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“That’s a shame,” I said, peering into the dark and making out a blacker-than-normal hulk sitting still and ominous in the night. The original bad idea.

“I had big plans going,” Karl Bemish said, and smiled across the table in a defeated way meant to suggest again that innocent things happen but that big ideas are inherently big mistakes.

“But you’re still doing fine,” I said. “You can just hold off on expansion till you renew your capital base.” These were expressions I’d only recently learned in the realty business and hardly knew the meaning of.

“I’m carrying pretty stiff debt,” Karl said dolefully, as if that were equivalent to toting around a hunk of lead in his heart. With his flat pink thumbnail he stabbed at a hardened root beer droplet bonded to the tabletop. “I’m about, oh, six months from two tits up out here.” He sniffed and dug away at the scab of sweetness, baked on by a long summer of shitty luck.

“Can’t you recapitalize?” I said. “Sell off the dining car, maybe take out an equity loan?” More realty lingo.

“Don’t got the equity,” Karl said. “And no one wants a goddamned dining car in central Jersey.”

I was ready to drag myself home by then, have a real drink and pile into bed. But I said, “So what do you think you’re going to do?”

“I need an investor to come in and clear my debt, then maybe trust me not to run us into the ground again. You know anybody like that? ‘Cause I’m going to lose this pop stand before I have a chance to prove I’m not a complete asshole. It’ll be too bad.” Karl was not making an attempt at a joke, as my son would’ve.

I looked around behind Karl Bemish, at his little orange birch beer outlet — neat, hand-lettered signs all over the trees: “Walk dogs here ONLY!” “PLEASE don’t litter.” “Our customers are our BEST FRIENDS.” “THANKS, come again.” “ BIRCH BEER is GOOD for YOU.” It was a sweet little operation, with, I imagine, plenty of local goodwill and a favorable suburban-semi-rural location — a few old farms nearby, with small but prospering vegetable patches, the odd nursery cum cider mill, some decades-old hippie pottery operations and one or two mediocre, mostly treeless golf courses. New housing soon would be sprouting up in the open pastures. Traffic flow was good at the intersection of 518 and 31, where there was already a two-way stop and as growth continued there would have to be a light, since 31, if no longer the main road, was at least the scenic former main road from the northwestern counties down to the state house in Trenton. All of which spelled money.

It might really be, I thought, that all Karl Bemish needed was a little debt relief, a partner to consult with and oversee capital decisions while he ran the day-to-day. And for some reason (partly, I’m sure, because I shared a slice of nostalgic past with old Karl) I just couldn’t say no.

I said to him right out under the gum trees, with mosquitoes thickening around our two heads, that I myself might be interested in some sort of partnership possibility. He seemed not the least bit surprised at this and immediately started spieling about several great ideas he had, all of which I thought would never work and told him so as a way of letting him know (and myself too) that I could be firm on some things. We talked for another hour, till nearly one, then I gave him my card, told him to call me at the office the next day and said if I didn’t wake up feeling like I needed to have my brain replaced, maybe we could sit down again, go over his books and records, lay out his debts versus his assets, income and cash flow and if there weren’t any tax problems or black holes (like boozing or a gambling problem), maybe I’d buy in for a piece of his birch beer action.

All of which seemed to please the daylights out of Karl, from the evidence of how many times he nodded his head solemnly and said, “Yep, sure, okee, yep, sure, okee. Right, right, right.”

But who wouldn’t be happy! A man comes crashing out of the night into your place of business, apparently drunk and wrecking the shit out of your picnic table and petunia beds. Yet before the dust even settles, you and he are making plans to be partners and to haul you out of a mud hole you’d gotten yourself in by a combination of dumb optimism, ineptitude and greed. Who wouldn’t think the horn of plenty had been laid, big end forward, right outside his door?

And in fact inside of a month everything was pretty much in place, as the high rollers say. I bought into Karl’s operation at the agreed-to amount of 35 thousand, which in essence zero-balanced his creditor debt, and also — because Karl was completely broke — took a controlling interest.

I immediately got busy selling off the slush puppy and yogurt machines to a restaurant wholesaler over in Allentown. I got in touch with the company up in Lackawanna that sold Karl the dining car, “The Pride of Buffalo,” and they agreed to return a fifth of what they could get from reselling it, plus they’d haul it away. I sold off the copy and fax machines Karl had bought expecting eventually to further diversify by offering his roadway clients a wider variety of services than just birch beer. I eliminated several novelty food items Karl had also bought equipment for but never got operational because of space and money problems — a machine for making pronto pups; another, almost identical machine for (and only for) making New Orleans-style beignets. Karl had catalogues for daiquiri makers (in case he got a liquor license), a six-burner crepe stove and a lot of other crap no one in central New Jersey had ever heard of. It occurred to me during this time that after his wife’s death Karl may have suffered a nervous breakdown or possibly a series of small strokes that left his decision-making faculty slightly bent.

Yet pretty soon, by application of nothing but common sense, I had things under control and was able to split the proceeds of the equipment sales with Karl and to put back half of mine into working capital (I decided, on a lark, to keep the kitchen-on-wheels). I also filled Karl in on some of my own newly minted, commonsense-rooted business acumen, all of which I’d picked up around the realty office. The biggest mistake, I told him, was an impulse to replicate a good thing so as to try to make it twice as good (this almost never works). And the second was that people failed not simply because they were greedy but because they got bored with regular life and with what they were doing — even things they liked — and farted away their hard-won gains just trying to stay amused. My view was, keep your costs down, make it simple, don’t permit yourself the luxury of boredom, build up a clientele, then later sell to some doofus who can go broke making your idea “better.” (None of this had I ever done, of course: all I’d done was buy two rental houses and sell my own house to buy my ex-wife’s — hardly qualifying me for the trading pit.) I expounded these maxims to Karl while two enormous black men from Allentown Restaurant Outfitters were fork-lifting his slush puppy and yogurt machines out the back door onto a rental truck. It was, I thought, a vivid object lesson.