Stephen was a struggling businessman who owned a small company in the South. He was doing well enough to support he and his lovely wife, Kathy, but he was still looking for that one break that would grant them true financial independence and the opportunity to retire sooner. That opportunity came in the form of a stranger from the North. That stranger was Michael DiCarlo.
Michael DiCarlo was a tall and athletically built man in his early forties. He had rugged good looks and had the appearance of a man 15 years younger. He had large hairy forearms that had the strength of pile drivers. He had long dark brown hair with distinguishing streaks of gray that reached just below his shoulders. He kept his hair slicked and pulled back into a ponytail while in business attire. He had green eyes and a bright, disarming smile. His looks did not fit his Italian surname. Although he had a very slight Roman nose, he had a light complexion, green eyes, and a bright, disarming smile. His father was a full-blooded Sicilian, but is mother was Irish. There was a hint of a Brooklyn accent as he spoke and he carried himself confidently. He had the gift of gab and seemed to be rather charming and friendly. But there seemed to be a dark side to Michael DiCarlo buried not far from the shiny veneer of his outward persona. Stephen could not place a finger on it, but he knew that he never wanted to be on the bad side of Michael DiCarlo. Stephen listen intently from behind his desk as DiCarlo sat on the other side giving his spiel about the joint business venture he was proposing.
“You see Stephen…May I call you Stephen?” Asked DiCarlo politely.
“Sure. Please do Mr. DiCarlo.” Answered Stephen.
“No-no. Please. Call me Michael.”
“Okay Michael”
“Now as I was saying, I own over 30 businesses similar to yours along the entire eastern seaboard. I get a great deal of financial backing from my associates in New York. These are very powerful and influential people, you understand? They are looking for an opportunity to invest some of their liquid assets into a company like yours. We are primarily based in the New England states, but we are very interested in expanding into the Southern market. I got a place in Miami and it is doing very well. But I have nothing going between DC and Miami. This is the ideal place for me to branch out and I like the operation you’ve got going on here. I like the way you run things.”
“Well, thanks for the compliment, but what exactly his your proposal?”
“I am offering to be a silent partner in your company. I have associates in New York who needs investment opportunities to shelter their money to avoid getting stuck with capital gains tax. You see, I am their moneyman. I am their go between, kind of like a broker. You allow me to invest their money into your business and I can guarantee you financial freedom. I will be a silent partner with your firm and I will control and account for the money coming in. You, of course, will retain controlling interest of your company. If you need some money for the business? You come to me and I forward it to you, no questions asked. Now we are talking a lot of money here, about 30 million for starters.”
“30 million?” Stephen spoke up incredulously.
“Yes. And that is just the beginning. I tell you I represent some high powered people in the New York.”
“Wall Street?”
“Yeah, we got some of them too.”
“But why would they be interested in a small business like mine?”
“Like I said, they need small investment opportunities. And you can draw from the investment account at anytime to cover any potential losses that you may incur.”
“It sounds to good to be true. What’s the catch?” Stephen asks with a hint of skepticism.
“No catch. If your business recoups from any slumps or losses, then you put a percentage of your profits back into the account. If you loose it, then you loose it. But I may not give you so much the next time. The idea is that we want to keep your business afloat, so we can continue to do business with you.”
“I don’t know. It sounds too easy.”
“Because it is easy. It’s a win-win situation here. You have worked hard for 15 years building this business from the ground up. You are about to reap your reward. This is your big break!” DiCarlo picks up a silver-framed photo of Kathy on Stephen’s desk. DiCarlo gazed at the beautiful image admiringly. Kathy certainly was a gorgeous woman.
“Wow. It is all so overwhelming.” Said a contemplating Stephen.
“Well, take some time think and it over.” Said DiCarlo. “Hey, is this your wife?” He then asked.
“Yes. Her name is Kathy. We have been married for 12 years.”
“May I say that she is absolutely stunning.” DiCarlo was studying the picture intently.
“Why thank you. She used to model when she was younger.”
“Wow! I could definitely see that. I don’t mean no disrespect now. It’s just she is a lovely woman and your should consider yourself to be a very lucky man.”
“Oh I do. She is quite a girl.”
“I’ll bet she has been with you every step of the way? Huh?”
“Yeah, pretty near.”
“Then you got to do this for her man. She is definitely worth it. Just think. You can get that dream house in the country she always wanted. Hell, you guys can get a mansion for what houses costs down here. You can buy several mansions for that matter with the financial opportunity facing you here today my friend.”
“I hear you. But I have to do some thinking. I also got to talk it over with Kathy.”
“By all means. Please do. In fact maybe we can discuss it over dinner later tonight. You two got any plans?”
“No. No plans.” Michael was trying to find a way out, but it didn’t come to him. “Ah, dinner tonight? Well, okay that would be fine.”
“Sorry about being so sudden and abrupt, but I am only in town for tonight. I am staying at the Ritz. I gotta go down to Miami tomorrow.”
“Oh. I see. Okay then, dinner tonight it is.”
“Great! I got a car and I’ll pick you and your lovely wife up tonight around seven.”
“Sounds good, Michael. I hope to have an answer for you by then.”
“Outstanding! And make sure that wife of yours comes tonight. I would love to see her in person. You are such a lucky guy.” Michael playfully punches Stephen on the shoulder and grins brightly with all his cosmetically enhanced teeth. Both men stood up and shook hands. Stephen gave Michael his home address and showed him the way out of the office. Stephen was excited, yet worried at the same time.
Stephen drove home that night rehearsing how he was going to explain all this to Kathy. Kathy was a very conservative person and was not very receptive to nonsense or frivolity. She was very prim and proper. As the daughter of a Baptist minister and a domineering, God fearing, mother, Kelly grew up sheltered and was taught at an early age to always present herself as a lady. She had a wholesome childhood and did not get into trouble like some of her contemporaries in her hometown. Kelly was always a very pretty girl and she blossomed into a beautiful young woman. She became a true Southern belle. Her good looks and talents landed her a career in modeling. She did catalogue spreads for some major clothing stores. She never modeled underwear or lingerie. Her parents would never go for that. She caught grief from them once for modeling a conservative one-piece bathing suit. So underwear and lingerie was never an option for her. Too bad, because she definitely had the body for it. She gave up modeling for college, where she met Stephen. They fell in love and got married.
Kathy was now 38 years old, but she did not age one bit since Stephen met her in college. She still looked like a 23-year old co-ed. Her body was still in fantastic shape. She stood at 5’-6” and weighed 130 pounds. She had a 34C chest with a tiny, 24-inch waist and a nice, 37-inch behind. She still had golden blond hair that fell gracefully about her mid back. She had pretty blue eyes and soft, lily-white skin. She had a sweet Southern drawl that drove men wild. She still was a true Southern belle. Stephen indeed felt lucky to have a prize like her. He loved her dearly and respected her. Because of her no nonsense approach to things, he knew that this business proposal would be a hard sell to his beloved Kathy. This all sounded too good to be true. Stephen knew that there had to be something illicit about it all. But the money was good, very good. And they say, “Every man has his price.” But was Stephen willing to compromise his integrity for financial independence? Would Kathy allow him to compromise his integrity? It would definitely be a hard sell, thought Stephen.
Stephen and Kathy discussed Michael DiCarlo and his very tempting offer. Kathy was very skeptical and called it what it was.
 
                             
                         
                         
                         
                         
                         
                                 
                                 
                                 
                                