by Josiah922
Margret was nervous for some reason she could not quite figure out. It
almost felt like she was doing something wrong. She sat next to her new
friend Lisa who had moved into the neighborhood about three months ago.
The two had started talking when their two sons put in to start going
over to each others house after becoming friends at school.
They had several things in common both being single moms and mothers to
boys. Necessity of adult woman company also helped draw them together as
friends. Both women could only stand so much talk about Pokémon or
whatever was the new fad before they needed adult conversations. It was
like having a sister living right down the road. Margret had just lost
her job like others all over the country were doing and had to take a
job as a waitress like she did in college of all things. It was good to
have friends who could help.
Margret had been a nurse at a local doctor’s office when the doctor
finally retired after changes in the health insurance laws reduced the
amount of money he was allowed to charge to Medicare patients. He just
couldn’t keep the doors open. With no job in an already bad job market
and the local hospital not hiring, it was bad news for Margret.
Margret thought about the silver tea set and the box of children clothes
in the back seat and the place that she was going. The old children’s
clothes weren’t much, but the tea set was sterling silver given to her
by her grandmother years ago and should be worth something. Lisa had
done a pretty good job explaining it, but it just sounded too good to be
true. Margret had to see it for herself. Lisa had commented about the
place repeatedly and offered to take Margret any time.
On County Road 89 about 2 miles outside the city limits the car slowed.
Lisa announced, “OK. We are here,” as she nodded toward a row of
warehouses. Margret thought to herself that it sure did not look like
much as the SUV pulled through the gate and into the parking lot. She
felt like she was going to a drug deal for some reason. Not that she had
ever participated in such a thing, but imagined that was how it was
from the movies and late night TV shows.
In just a moment the women were stepping out of the car and toward the
non-discript warehouse. Well, that is not true. The warehouse was plain
enough and no signage marked the front of the building but every
building has a description of some sort. It was about a 4500 square foot
metal building with two double wide sets of doors on the front as well
as one roll up door to the side of the two normal doors with one marked
entrance and the other exit. It was beige in color that matched the
other small warehouses in the area and its main description is that it
looked like every other warehouse nearby.
The women walked to the set of doors on the right marked Entrance.
Margret toted the box of clothes and the tea set. Lisa reached into her
purse and pulled out her membership card and driver’s license. They
stepped through the doors and into a small room. The door closed behind
them and Margret looked around. It was a small probably 4 feet by 8 feet
room with another set of double doors directly across from the doors
they just entered. To the left side was a thick glass window with a desk
on the other side and one of those speaker sets to talk to the person
on the other side. Margret was reminded of a drive through window at a
bank except she was on foot.
Within a moment a young lady bounces into the seat at the desk and turns
her attention to the two women. The speaker clicked on and she said,
“Hello Lisa.”
Lisa smiled and held her membership card and driver’s license up so the woman could she. “Hello Jennifer.”
“A member in good standing recognized and welcomed,” the lady called
Jennifer replied in a very businesslike tone then turned her attention
to Margret. “And who is this Lisa?”
“This is Margret. She is not a member, but wishes to shop with me today and see the club.”
Jennifer shifted in her seat and reached for some papers beside her. “I
see. Welcome Margret, a visitor. Can you step forward please?” Jennifer
put the papers into on of those drawers and pushed a lever to make the
drawer deliver the papers to Margret. “Now, please sign the top copy for
me, the middle copy is Lisa’s and the bottom copy is yours to keep.”
“What is this?” Margret asked.
Jennifer became very business like again, “This is an Admittance
Agreement and Usage Policy. You will be held to all of the policies on
the sheet, but basically the gist is that because you are not a member
you are not allowed to make trades today. However, Lisa can trade for
you under her name. Also please note that ANY negative conduct during
the trades or during your visit today can result in banning you from the
club and will also reflect negatively on Lisa as well.”
Margret looked at Lisa with a nervous look on her face. Lisa stepped up,
“It is ok Margret. I knew this would happen when I brought you here. I
trust you.” She turned her attention to Jennifer, “I’ll vouch for her.”
Margret signed the paperwork. Then Lisa signed and filled in her
membership information. The bottom copy was placed back into the drawer.
After Jennifer looked it over she said, “Margret Crowly, a visitor with
a member in good standing as sponsor, welcome. Good trade to you both.”
Jennifer pushed a button and the other door clicked open. The two women
walked through the door.
It was weird. The front of the building was plain, but once you walked
through the doors you would have thought that you were in a small
department store. About a half of a dozen people lingered up and down
the isles. There were several isles filled with all types of items.
Several isles at the front had little sections of shelves marked off.
Each section of shelves had a set of numbers assigned to it. “So what
are these numbers?” Margret asked.
“Those are membership numbers. That way you can tell who is offering the service or product on that shelf.”
Margret walked up to the first section of shelves. There were a bunch of
hand sewn dresses and other items, but the odd thing were several signs
that read, “Baby sitting 1/2Sph, sewing 1/2Sph, dog kennel 1Sid and
dental cleaning.2S”
Margret must have had a weird look on her face, because Lisa chimed
right in. “That is Doctor Rauling and his wife. They also have all of
this on their profile online, but he is a Dentist and she is a stay at
home wife. Their daughters are in college. I have used them to baby sit
my son sometimes. Good Christian folk and they have an excellent trader
rating. The trader rating is sort of like a rating system for the people
that you are trading with. Make bad trades and people will black flag
you and stop trading with you. She is an awesome seamstress by the way.
These dresses are handmade.”
“What does the 1/2Sph mean?”
“Oh, yeah takes some getting used to. There is a chart up on the wall of
the most common abbreviations. ½ Silver Ounce per hour. Remember that I
told you that EVERY transaction is a trade? Well sometimes what you
have to trade isn’t wanted by the other party of what you have to trade
for. So in a regular transaction you would use cash or some type of
‘medium of exchange’ to settle your debt. Here we do not use money so we
use silver coins or at least the value of the coin.”
“I don’t understand,” replied Margret. “Are you talking like an ounce of silver like a silver dollar?”
“Yes,” said Lisa.
“So for 50 cents they will watch my child for an hour?”
Lisa shook her head, “No not for fifty cents, but they will for half of
an ounce of silver.” Now it was Margret’s turn to shake her head. “Look,
a silver dollar is not worth just one dollar. It is silver. Pure
silver. It is one ounce of pure silver and that is worth about $21 an
ounce right now. So, a half of an ounce is worth about $10.50 an hour.”
“So they trade services and silver?” Margret asked.
“Yep, well about 90% of the trades are made with silver, which they can
use to trade for services or goods for themselves like getting someone
to cut their hair, change the oil in their car or buy groceries.”
“What? Buy groceries?”
“I know. There are people of several different professions here.
Dentist, mechanic, carpenter, builders,” Lisa paused, “and retail store
owners. We just had an air conditioning repairman join.”
“How do you buy groceries?”
Lisa pulled lightly at Margret’s arm to get her to keep walking then
said, “I will explain later. Right now, let’s get your goods set.” The
women walked to the side of the store where they came to two desks and a
table. The desk had two computers on them and digital cameras. “We can
do this from the house too but it helps to have the items right here at
the club. We will take pictures of everything, price it, post it to the
online store and put them on the shelf.”
“You can buy online? How do you buy with silver online?”
“Well, you can buy SOME items online if the owner wants to sell them
online, but you have to pay the asking price (meaning you can not bicker
about the price) and you still have to come pick it up at the store. As
far as using silver on line, you use the silver credits that the club
keeps electronically in your club account sort of like a debit or credit
card. These credits are directly related to the amount of silver that
you have turned into the club or got from a trade as a deposit… AND YES
the credits can be claimed for silver ounces withdrawn from the club in
return.”
“We will take these pictures and post them online so people know what
kinds of kids clothes we are selling and they can come to the store to
buy them. When you register them like this it makes a price tag on the
printer here. Then when the price tag is scanned at the front counter
the computer marks it as ‘sold’ online. As far as that stirling silver
tea set of yours I will deal with that in a bit.”
The women worked through the clothes very quickly there were only about
two dozen pieces. Pictures were taken with the digital camera. Next they
entered the general information on the items like manufacturer and
sizes. Then they folded the items and placed them on the shelf of Lisa’s
area to sell. The items were all marked 1/10 S.
“OK. Let’s go see Mr. Buren,” Lisa said as she pointed to the near empty
box containing only the small tea set. Margret picked up the box and
followed Lisa to the back of the store where an older man stood. “Mr.
Buren,” Lisa called to him.
The older man looked up from the display of Case knives that he was
arranging. “Well, hello Lisa. I saw you ladies at the computers taking
pictures but I did not want to disturb you.”
Lisa shook his hand, “Mr. Buren this is Margret, the one with the tea set I thought you might like.”
“Hello Margret. Is it a sterling silver set?”
Margret blushed a little, “Honestly I do not know. Can you tell?” She set the box on the shelf next to Mr. Buren.
“Well, let’s see.” The older man took out a pair of reading glasses and
picked up the ‘pot’ of the set. He looked on the bottom for a moment.
“Ahh, here.” He pointed at some markings. “Yes, you see here where it
says ‘.925’ in this little circle. That stands for sterling silver,
which is .925 silver with a .075 additive, usually copper. This mark
here is the manufacturer’s mark, which I can not place right now. I will
have to look it up.” He took a look at the other pieces slowly looking
over them. Then he asked, “Have you weighed them?”
Margret shook her head, a little embarrassed, “No, I forgot.”
“Here let’s go weigh them.” Mr. Buren walked back up to the main table
and used the community digital scales and weighed all of the items in
grams. Then he converted the standard grams of the scale to Troy ounces
which is what silver is measured in commonly. A regular ounce equals
28.3495231 grams. A Troy ounce equals 31.1034768 grams. The tea service
equaled just over 48 Troy ounces.
“Wow, that is worth a little under $1000 dollars just in the weight of
silver?” Margret could not believe it. She smiled thinking of her car
payment and electric bill that was due.
Mr. Buren looked at Margret, “I tell you what. I think that I should be
able to actually sell this for a little more than that. How about sixty
silver? That is worth about $1260 if my math doesn’t fail me.”
Margret look at Lisa then nodded her head, “That sounds great Mr. Buren.”
“Wonderful. Let’s go see Jennifer at the front real quick to make record
then I need to run some errands,” commented Mr. Buren as he put up his
glasses then picked up the box.
Margret talked to Mr. Buren as he walked up to the front, “Mr. Buren,
Margret thought about joining. Would you support her in application?”
“Of course, that was a good deal and she is catching on to our system
here. Are you sponsoring her?” Lisa nodded. Then Mr. Buren continued,
“Then sure. I will even note a comment on her profile when her 30 days
trial are up.”
Both women thanked the man then headed to the front counter. After
making a record of the trade between Lisa/Margret and Mr. Buren, both
parties entered their PIN codes into the system. Automatically sixty
silver units were transferred to Lisa’s account. Each of them then shook
hands and repeated the words “Good Trade” to each other.
Lisa and Margret walked back into the club floor where Lisa wrote
Margret and IOU for sixty silver Troy ounces. “Now use this IOU to keep
track of how much silver you have left and how much silver you spend out
of my account.”
“That is ok. I trust you,” Margret said to Lisa.
Lisa shook her head, “Don’t do that. Just because I am a friend does not
mean that I can not loose track of how much you are owed or how much
has been paid. Keep track of EVERY silver, so there will be no room for
error and this deal will not affect our friendship in anyway. It is
because I am your friend that you should track this.” Lisa ended holding
Margret’s hand.
Margret smirked and then nodded, “OK. We will record everything.”
“Great! Now you need groceries. Come this way.” Lisa led her down an
isle and to a closed off section labeled “Maggie’s Mini Market”.
It was sort of a small area of the store that was partitioned off from
the rest of the store. The women walked through the curtains at the
small doorway and into an area that was about forty feet by forty feet.
It had wooden shelves up and down the length of the room with all manner
of grocery store items. A voice called from the back, “Just restocking.
Make yourself at home.”
Lisa looked at Margret, “You will like Maggie. Let’s start over here.”
The ladies each picked up one of those shopping baskets that you find in
stores and walked over to the first isle. It looked like a small
convenience store. Food, normal food, was up and down every isle. Canned
vegetables, canned meats, bags of potatoes, bags of macaroni noodles,
salsa, bags of chips and etc. just like a mini grocery store. She even
had one shelf with health and beauty related items, then another with
household items.
Margret whispered, “We can trade for this with no money?” Lisa smiled and nodded.
Then out around the isle bounced Maggie. She was a twenty something red
haired red freckled thinly shaped energetic woman to say the least. She
bounced up to Lisa and squealed “Hey Lisa!” as the two women saw each
other and hugged. Margret thought that they looked like two teenagers
meeting before they went to the mall. They both smiled at each other.
“Maggie this is Margret, a visitor and a currently out of work nurse who might be trading with us soon.”
Maggie looked at Margret for a second smiling then said, “There are no
strangers here. Bless you,” as she gave Margret a hug too. Even though
Margret was at least five years the younger girl’s senior Margret got
the sense of a very happy but old content soul in the younger woman as
she hugged her. Maggie looked at Margret straight in the eyes as she
held her hand and said, “Thank you for trading with me today. Now, do
you need anything special?”
Margret looked at Lisa for approval as she said, “Just some groceries.”
“Well, give me your list or tell me what you need and I will see what I got,” said the freckle face woman to her visitors.
After rattling off a list of needed items Maggie walked them around the
small area. “Here is my collection of cereal. They are all one tenth
ounce silver right now.” Margret picked up a box of her son’s favorite
sugary cereal when it clicked.
“Wait that is like $2 a box? How can that be? These are like $4 at the store right now,” Margret inquired.
Lisa smiled, “She IS quick. Maggie here is our resident coupon queen.”
“I prefer the term ‘power couponer.’ Thank you very much,” Maggie
mimicked flexing her arm muscles as she smiled bigger since a smile
never left the woman’s face. She then straightened up and answered, “You
see Margret I take advantage of coupons to their fullest potential. I
use manufacture’s coupons and store coupons together with a store sale
to buy items for a fraction the price they are normally sold at.”
Margret blinked.
“In other words I bought that four dollar box of cereal at a three
dollar sale price with two one dollar off coupons for about a dollar a
box from the local grocery store. So I bought 22 boxes on my last trip
with the amount of coupons I had. Get as many as you want.”
“Wow! So this is actually cheaper than the store. Awesome,” Margret exclaimed.
Lisa added, “All of Maggie’s prices are cheaper even if you were paying with cash.”
“Yeah I could never do that with coupons.”
Maggie said, “Of course you could.” Maggie walked to the front of her
store area where she picked up a flier and handed it to Margret. “Here
is a few websites that you should check out. The first is Southernsavers.com.
There is a link on there called ‘Learn To Coupon.’ It teaches you how
to do what is called coupon stacking where you use an In Store coupon
AND a manufacture’s coupon to double your savings. It is especially
effective during a store sale on the item.”
“Or you can just let Maggie do all of your leg work for you and come
trade here. She makes a small profit and we don’t have to go crazy
shopping coupons all over town,” said Lisa.
Maggie pointed her finger at Lisa, “Now you can do this just as good as I
can.” Maggie looked back to Margret, “I tell everyone that, but for
some reason people keep letting me do the shopping and they just shop
here.”
Maggie continued to show her items after item of flour that she bought
for a penny, toothbrushes she got for free and even tampons that she
bought for a dollar a box. All of these were marked at silver prices
that still calculated to at most half of what the store sells them for
in cash. Margret looked to Maggie as she almost started to cry, “Thank
you. This really helps me a lot.” Margret had not had enough money for
several weeks to buy food for both her and her son so Margret had
actually skipped several meals and had even began to thin up because of
it. Now, both Lisa and Margret had their baskets full of items that
Maggie recommended.
Maggie noticed the tears swelling in the single mother’s eyes and pushed
the basket out of the way as she gave her another hug. “Listen this
place is not like the world out there. It is not formed on greed. We
don’t trade items for fake money only to make a private bank wealthier.
We trade value for value. No person will ever go hungry here because we
all are of value.” Margret wiped her eyes and recomposed herself.
Lisa and Margret said their goodbyes to Maggie and went back to the
front desk and Jennifer recorded the trades. Lisa asked for 20 of the
silvers to be withdrawn out of her account and physically given to her.
Jennifer rang up all of the grocery items from Maggie’s and ended with a
statement that was almost scripted in tone, “Lisa please enter your PIN
into the keyboard.” This transferred silver credits from her account to
Maggie’s.
Lisa did so and Jennifer printed out a receipt. While Lisa and Margret
were waiting on the printer, Lisa reminded Margret to subtract the
silver ounces for the groceries and the physical silvers from her IOU.
Margret did so. Jennifer handed the receipt and the twenty silver eagles
back through the window drawer. Then she ended with “Good Trade. Will
there be anything else?”
Lisa spoke up, “No, thank you Jennifer.” The two ladies made their way
back to the car and then down the road. Lisa spoke again as she turned
onto a bigger road heading to a small strip mall just outside of town,
“Now let’s see about getting your bills paid. Let’s head to the ‘bank’.”
They pulled into the strip mall and walked into a store called
Lombardi’s Jewelry. They walked through the first set of doors then
another set oddly similar to the way the bartering club had been made. A
very preppy lady dressed in a white long sleeved shirt, black crossover
tie, black dress pants and heels greeted them from behind a jewelry
counter, “Welcome ladies. What can we show you today?”
Lisa spoke up, “Hello Rachelle. We need a transaction.”
“Wonderful. Right this way please,” She motioned to the back room. As
Rachelle turned Margret could see several things hanging from the
woman’s belt around her back. At first she did not react but then a
little surprise crept into her mind. The first was the Glock 23 handgun
at about 4 o’clock on her hip. Next was a KaBar TDI Knife in black at
about 8 o’clock on the belt. Then was a double magazine case at about 9
o’clock. Margret walked to the back of the store as she said, “I will
get Mr. Lombardi.”
Lisa and Margret made their way into a private room and sat down at a
table with a loop and microscope on one side of the desk. They only had
to wait a few minutes before a middle aged well dressed man wearing the
same gear as Rachelle walked in. “Lisa! Good to see you. Welcome.
Welcome,” said the man with an almost hidden Italian accent as her shook
both of the women’s hands. “What do you need?”
“Mr. Lombardi, this is Margret Crowly and she has several silver coins to sell,” informed Lisa.
“Margret, thank you for coming to my store. Let’s see what you have.”
Margret produced the 20 silver eagles all with various dates. Mr.
Lombardi looked through the coins. “OK. I am not noticing anything rare.
These will be sold as bullion?”
Lisa nodded, “Yes they are from the club,” she said as she showed him the receipt where she withdrew them.
“OK. Wonderful. Current silver prices are $21.68 per ounce. That is $433.60 for the 20 coins. Acceptable?”
Thoughts of her $350 apartment rent and a couple of other little bills
popped into her head. Margret smiled, “Yes, that is fine.”
“Now, is there anything else?” asked Mr. Lombardi.
Lisa spoke up. “Mr. Lombardi it might interest you to know that Margret
here is a nurse. Perhaps you might want to interview her in regards to
your mother. She would be transacting this through the club.” Over the
next several minutes Mr. Lombardi asked a few questions to Margret
concerning her experience and the possible employment through the club
as a sitter for his aging mother that was no longer in good health. They
agreed to talk later to finish the interview and Margret knew that
things were working out.
Mr. Lombardi jotted the figure of the silver sale down on a note pad and
ushered the girls to the sales counter where another man dressed
similarly with the same gear on his belt rang them up with a small word
from Mr. Lombardi. They all shook hands and with a wink Mr. Lombardi
said, “Good Trade.” Margret repeated the phrase and both women headed to
the door.
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