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(This is a story about paying your debts. Thanks to HWAS (www.hairwearesecrets.com) for the idea behind the story and for the permission to use the story line for my own and allowing me to alter the plot and expand on it.)

Jennifer had a real passion for boats and she always wanted to own her own cruiser. It was also her passion to be able to start her own business and run a cruiser from the island airport to the main land and then pick-up passengers in the evening and bring them back to the island harbour.

Talking to Mr. B, a local businessman, one evening, Jennifer was surprised to hear him tell her that her plan was a good one and one that could easily float. He even asked her how much money she felt she needed to get her idea floating. Jennifer told him that she had seen a nice cruiser in the "BUY and SELL" newspaper and it was going for a fair price. It was not in the best of shape but Jennifer knew someone on the island that could bring it up to snuff and get it tested. "I would then have to get it licensed and then take some tests. But I already know how to pilot a cruiser, just not as a licensed business. I do have a license to drive a boat."

"It sounds like you have really thought this out," Mr. B told her. "And I like it when young people have ideas and business plans. I would like to help you get started on your plans. How much do you have in the bank right now?"

"The owner of the cruiser is asking $6500.00 for the boat. I have about half the money for the price of the boat. Then the tests and license is an extra $500.00," Jennifer answered.

"Have you a business plan in place? Have you shown your business plan to the tenants on the island? How do they feel about your proposal? Have you figured out how much you would charge them for your services? How long would it take you to get them to the main land?" he asked. All the questions were legit and Jennifer answered them all.

Mr. B was very impressed with how confident Jennifer was in her proposal. He liked it so much, he gave her his business card and told her to come into the city and meet with him the next morning.

****************************
The next morning, Jennifer dressed herself professionally, pulled her long black hair into a tight bun and she drove her old cruiser to the main land. She boarded the transit and headed downtown to meet Mr. B at his office. She got to the office without any difficulty and she was met by Nikki; Mr. B's personal assistant. ?You must be Jennifer,? Nikki said. ?I am Nikki, Mr. B?s personal assistant. Mr. B asked me to go over your proposal.?

Nikki sat down with Jennifer and for a few minutes, they discussed small things. Nikki even complimented Jennifer on how long her hair was and how pretty it was. "Okay, I don't want to take too much of your time. Mr. B trusts me with his interests and he trusts my decisions. He gave me your business plan last night and I made some inquiries of my own. I believe everything you have told my boss is upfront and honest," Nikki said. With that she outlined what Mr. B was willing to do to get her business floating.

Jennifer was overwhelmed when Nikki took out Mr. B's chequebook and she wrote out a cheque with Jennifer's name on it. She even signed it in front of her. "So do you think $4000.00 would be enough to get you on your feet?" Nikki asked her.

Jennifer nodded her head. "Thank you so much," she said.

"Not so fast!" Nikki said. "This is not a gift. It is a loan. Mr. B expects you to make regular payments at an interest rate of only 6%. Looking at your proposal and asking the island tenants, he thinks you should be able to pay it off in full within 1 year. That is very fair. $1000.00 every three months. And your business proposal says you have enough commitments and signatures from the island tenants that they will support your business."

Nikki pushed a legal sized envelope to Jennifer and told her to read it and sign it. Jennifer read it and signed it. Nikki handed her the cheque and shook her hand. "So we will expect a payment from you in three months. Do it however you choose as long as I see a payment of $1000.00," Nikki said.

"I won't let you down," Jennifer said as she stood up and shook Nikki's hand. "Tell Mr. B thank you very much. I won't disappoint him."

***************************

The first three months went by and as it was the spring, Jennifer got a lot of business and she even saw herself turn a bit of a profit. She was doing so well that the number of trips she made from the island to the mainland actually tripled. By coincidence, a larger cruiser came on the market and with summer coming up; Jennifer could not let the opportunity pass her by to make an offer on the 45 footer.

The owner liked her smaller cruiser and made her an offer she could not refuse. "How much did you pay for your cruiser?" the owner asked her.

Jennifer told him what she paid for her smaller cruiser. ?I am looking for a smaller cruiser. I don?t need this big one anymore. Okay, I will give you $6500.00 off the price of this cruiser. Pay me $2000.00, I will take your cruiser, and I will sign the pink slip of mine and make it yours." Jennifer was overjoyed and she agreed to the offer. She paid the money the owner was asking for and handed him the keys to her cruiser. He signed the pink slips and gave her the keys to his cruiser.

*************************** Jennifer was having such a great time running her business. Trips were becoming more and more frequent. She was transporting children's groups to the city for field trips and she even found herself being contracted out for trips up the lake to wine country. She was definitely happy. She did not even realize that the time had come and gone and she had not sent in her first payment on Mr. B's loan.

But Mr. B had not forgotten. Two weeks past the due date, Mr. B called Nikki into his office. He held his cash receipts book in his hand and he pointed his finger to the open page of Jennifer's account. "Do you want to tell me what is happening here?" he said.

"I don't know what happened, Sir," Nikki said. "I have been trying to call her but I have not been able to make contact."

"Maybe I should take a trip down to the island and remind her nicely," Mr. B said.

Nikki knew what nicely meant and she shook her head. "No, sir. Let me take care of it. You trusted me with the proposal. You trusted me with your confidence and I slipped up. I did not keep on top of this one. I accept responsibility. Let me take care of it. I will get your money," she said.

?Do it! Don?t come back empty handed or your job will be on the line and I will never trust you again with my affairs,? Mr. B said. ?You will find yourself out on the street Nikki, and you know I can make it happen.? Mr. B got up off his chair and walked over to Nikki. He ran his fingers through her long black hair. ?I would hate to see you lose this. It is so soft and so nice and so pretty. But you know how I feel about people who try and screw me. I gave you this account because I have faith in you. But you have not kept it together.?

Nikki knew exactly what Mr. B was saying because she had seen him take action against people who had neglected their obligations to him. She had seen how good he was with his tools and now he was saying that she could be next if she did not produce results.

?Yes, Sir! I won?t let you down,? Nikki said.

?You have 24 hour hours, Nikki. If you don?t come back with the money or something of value, don?t come back to work tomorrow and pray I don?t come looking for you,? Mr. B said.

Nikki got into her car and drove down to the harbour front. She got out of her car and opened the trunk of her car. She reached in and got a small black doctor?s bag. She walked over to the ticket agent, flashed a white card and the ticket agent sent her through the gate without paying any money for a ticket. Nikki boarded the ferry and walked quickly to a private room. She opened the door and walked inside. She closed the door and sat down. She opened the black bag and checked through the contents. Everything she needed was in place.

There is no way Mr. B would let her return without something of value and this was not the first time Nikki had to go and collect debts. But this was one she knew she was totally responsible for. Mr. B had trusted her with this one and she had failed. Other times it was just the premise of showing the punishment tools and the money was paid quickly but now Nikki was feeling threatened. Nikki was praying that this one would not slip by. There was no way she wanted to be the next one to face Mr. B?s tools. So she hoped that Jennifer had genuinely forgotten about the money and she would pay the $1000.00 that was owing.

The ferry ride over to the island took exactly half an hour. Nikki waited until all the passengers got off the boat and then she got off. She looked around and saw a line of yachts all tied up to the dock. She saw a sign that she was hoping to see: ?Jennifer?s Tours and Yacht Services?. Yes, she was there. She walked toward the dock and looked at the brand new cruiser sitting tied to the dock. ?Nice boat,? Nikki said to herself. Nikki looked around and did not see anyone onboard so she climbed up plank and sat herself down on a lawn chair at the back of the cruiser. She put her feet up and reclined the lawn chair.

Jennifer came back to her boat after an hour. Nikki was below deck standing in the captain?s hold when Jennifer got onboard. Nikki heard footsteps coming around to the door below and she prepared herself to confront Jennifer. She walked toward the door and looked up to see Jennifer looking down at her. Jennifer looked with astonishment. ?What are you doing on my boat?? Jennifer said.

Nikki pulled hard and Jennifer came down and landed on the floor with a crash. ?You have no right to be here????????????., Jennifer said. ?Surprised to see me, Jennifer?? Nikki said as she stood over top of Jennifer and looked down at her. ?We must be doing really good for ourselves, right? So I guess that means we have atleast two months payments ready, right??

?You are trespassing on my private property. You have no????????,? Jennifer said.

?No, Jennifer. You mean to say I am on my boss? personal property. You see you owe my boss some money and you have not paid,? Nikki said, ?and since you have not paid and you have not contacted me about payment, and yes, I have been trying to contact you, my neck is on the line. You see, if you don?t pay, I lose my job.?

?I can?t pay,? Jennifer said as she scrambled into the cabin and tried to kick the door shut but Nikki pushed the door in and pulled Jennifer out again.

?Tell me about it, Jennifer. My boss trusted me with your account and you have not paid. What did you do with my boss? money? You signed a legal note saying you would pay and pay on time. So Jennifer, where is my money?? Nikki said.

?I bought a new boat. Things were going so well. I got an offer to buy a new boat and I could not pass it up. Come on Nikki, you can cover it up for me, please,? Jennifer said. ?You said yourself my plan was a good one. It is almost summer time. Imagine the business I am going to get. I have ten charters already to go to wine country. 15 people per charter. Come on, Nikki, let it slide.?

Nikki got infuriated as she looked at Jennifer's large bun and remembered how long and thick it was. She thought about what Mr. B would do to her if she did not return with his money. She would become the latest person to meet Mr. B?s tools.

With that in mind Nikki over-powered Jennifer, handcuffed her and took her into the yacht?s private bedroom. Next thing Jennifer knows she is pushed into a chair. Nikki reached out and pulled the pins out of Jennifer?s bun. She let Jennifer?s hair fall down over her shoulders and down to her waist. Nikki opened the small black bag and reached into it. She grabbed an ivory handled brush and brought it out. Nikki started to brush Jennifer's long thick waist length hair.

?Let me go,? Jennifer ordered.

?Sorry, Jennifer. I cannot go back to Mr. B empty handed and if I do not return with something of value, then Mr. B is going to do something very drastic to me and I can?t bear to have it done to me. So I am going to show you what he plans to do if I don?t return with the money,? Nikki said. ?Of course, you can have this stop if you give me your personal cheque for $2000.00 right now.?

?I can?t. I spent $2000.00 to get this cruiser,? Jennifer said.

Before Jennifer knew what was happening, Nikki had sectioned off Jennifer?s long black hair into 6 ponytails. Nikki reached back into the black bag and pulled out a sharp knife. She held it in one hand and with the other hand, she picked up one of the 6 ponytails in her left hand. As Nikki brought the knife up to Jennifer's hair, all she could do was to beg and plead to no avail. Nikki sliced through Jennifer's first ponytail with ease and then dropped it into the black bag. Then the next, and the next until all that remained was one ponytail. Nikki then decided to add insult and humiliation to what she was doing by pulling Jennifer up off the chair and dragging her into the washroom. Jennifer was turned around so that she could see her reflection in the mirror. Nikki pulled hard on the last ponytail and with slow strokes, she cut through the last ponytail.

Nikki then grabbed Jennifer by the arm and dragged her back out into the cabin and pushed her back down on the chair. Jennifer began to cry over her loss. ?This is your own fault,? Nikki said. ?Mr. B trusted you and so did I. You made a promise and you failed to keep it and I don?t like it when my boss turns the screws on me,? Nikki said. ?I guess I really did not do my job properly when I checked you out and I am not going to let Mr. B fire me without bringing something back to him to show that you will seriously take care of your obligations.?

?Please, I am sorry. I could not pass it up,? Jennifer said. Nikki watched the tears flowing down Jennifer?s cheek.

?I don?t believe you, Jennifer. I think you purposely were going to try and screw us. I have been trying to call you for the past four weeks to remind you of the due date. I cannot go back to Mr. B empty handed,? Nikki said.

?No! Not at all! I have been seriously busy. Here, look at my log,? Jennifer said in tears.

Nikki slapped Jennifer across the face and with that Nikki grabbed a handful of hair from the front of Jennifer?s hairline. Nikki pulled tight on the pile of hair and let it drop over her closed fist. She reached into her little black bag and took out a pair of scissors. She held the scissors next to Jennifer?s scalp and ?????????????????????. .

Author: hairman001 Copyright protected ? 2004 JCWP DESIGN SERVICES Legally Registered ? 2000 This story is not to be downloaded for personal use or uploaded to any other site without the permission of the author. Thanks for the idea to HWAS.

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