Deflation. My parents won’t shut up about it. They keep saying “Michael Larry you better consider your long term plans right now. When deflation starts to come the economy is going to go down and it’ll be too late.” They think that deflation is going to be a problem. And I have to keep telling them it isn’t anything to worry about. I’m not worried. Do I look worried.

To be honest, I’m not worried about deflation because I’m broke as a joke right now. But that’s how I first heard about the low rates on car title loans in San Jose, California. I was talking to some friends saying how screwed I was. They started talking about auto pawn loans. I found out I could get one even with a bad credit history. I could get one even with no credit at all, and it was fast cash.

I just need the money. That’s all I can really say about it. I have to make the minimum payments on a bunch of credit cards. If I just make the minimum payments than my rates will stay low. I’ve got a lot of 0% credit cards. But everything I’ve got is just about maxed out. And I got to pay my basic bills. Damn, in the long run, I’m fucked.

Michael L. Wolzkowski

Evergreen, California

By the way San Jose is near Sunnyvale, Campbell, Milpitas, Cupertino, and Mountain View.