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But I said it and my wife just looked at me and said, “You can be such a pig.”I had nearly forgotten the whole thing when I got a call at work from my wife saying that there was a change of plans, could she meet me at the Irish Pub just down the road from where I work instead of going straight to the restaurant. I agreed and two hours later I walked into the pub and went straight to the bar and ordered a drink.A woman at the bar turned and looked at me and said, “About time you showed up.” I looked over and it was Alicia. I gave her a look as first of all I tried to remember how I knew her and then wondered what she meant by her comment. I got my beer and walked over to sit down next to her. I asked her what she meant and she informed me that Tonia had called her and asked if she would be my wife’s stand-in for dinner tonight.Now this was a little far-fetched for me. Tonia is far from a prude and we had talked about having an open marriage at one point, but this seemed a. You’ve invested a bit in some bonds, correct?”“Sure. The double-tax-free municipal bonds you suggested.”“What’s a corporate bond?”I chuckled, “A loan that’s paid back. No equity.”“Correct,” he said. “And major corporations use them all the time to manage their finances. Your bank offered you a line of credit which you turned down, right?”“Sure, because we had sufficient reserves and didn’t need access to operating capital.”“And if you had a short-term need for a large amount of capital, is it smarter to deplete all of your reserves, or use what amounts to a low-cost bridge loan?”“I guess it would depend on the situation, but for the most part I wouldn’t want to deplete my reserves.”“Then your choice would be to forgo whatever it was that needed that investment. That’s a recipe for stagnating your company. You didn’t flinch when you agreed to the mortgage on the house.”“Sure, but I could count on the income stream from my renters to cover most of the payments,” I said.There was.
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