Godfrey smiled and said, "Oh, nothing earthshaking, I'm sure we could work something out, and just think, you would have the whole farm back together....Of course, we would need collateral in order to make the loan. We would want the balance of your land put up as collateral for the deal. That's how we can make the deal with no down payment." No pre-payment penalties? What if I am late or miss a payment?"Godfrey elder laughed and said, "Heck, we're neighbors, a day or two late is no big deal and. But in my current situation, with kids in mycare, I just wouldn't do it. I'd have to wait until they'd grown up).*****One day, at a backyard "garage sale", I saw a chest of junk which theowner said had belonged to his Uncle Joe who mysteriously disappeared,and was for sale for $5. In that chest was an old medallion with apicture of (what looked like) a fairy on it. It couldn't be the Medallionof Zulo, could it?But it was worth the gamble. I paid the $5 and took it home.So how was I going to. More

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