Greed Versus Goodness

AuthorHouse

Chapter One

BALDNESS CURE — 100 MILLION-DOLLAR HOAX

Little did anyone know this headline would set off an improbable series of events that would eventually include false tips to police, blackmail, a hundred lies, three murder attempts, a national manhunt, an Abbot accused of growing marijuana, a lecture on exorcism, bass fishing in Florida, two planned kidnappings, an ancient forest inhabited by red-eyed devils, and finally, an immoral but pleasurable act committed in a church confessional.

The person responsible for setting off the unusual series of events was Herbert Hallmore, a pudgy, God-fearing man, who rose at five o'clock every morning, brought in the morning paper, and read it front to back as he drank two cups of coffee with half and half and ate two jelly donuts.

"Thank you Jesus," Herbert said out loud after he had read and reread the hoax article. Herbert was a religious man who loved God and money in almost equal amounts. He regularly thanked God for helping him become Chief Financial Officer of the Money Bank in San Diego, which gave him endless opportunities to handle and accumulate the lovely green stuff. Of course, Herbert denied having a greedy nature, saying his interest in money was simply part of his job as Chief Financial Officer.

After Herbert read the hoax-article in the morning paper, his greedy desires surfaced and dollar signs began flashing in his brain like a marquee advertising the latest 3-D movie. Herbert put the newspaper down on his table, folded his hands in prayer, looked up at the ceiling of his humble kitchen, and thanked God for presenting him with a very advantageous financial opportunity.

Later that same morning, Randolph Stranger, senior partner of the prestigious law firm Stranger, Foremore, and Long, had read the same hoax article. Randolph would be the second person involved in setting off the implausible sequence of events.

Randolph looked again at the headline and thought, how could it have been a hoax? I saw at least a fifty bald rats growing new, healthy hair. I held one in my hands. I even tugged the hair to make sure it was real. I was guaranteed my initial investment of two million would in a few years turn into fifty million.

Randolph knew this hoax would cause serious financial problems, but he was not particularly worried because he was a genius at weathering problems and coming out a winner. Randolph could lie so convincingly that not even the pope would doubt his word. He sometimes looked in the mirror and said, I'm looking at the best liar God ever created. He could assume whatever personality the situation demanded. He had been kind, sympathetic, and supportive in his courting of his wife, Marjorie Whatting, who had inherited a considerable fortune from her deceased father. He had been controlling, assertive, and hard-nosed when raising Bart, his stepson, who needed to develop toughness to compete in today's world. He had been clever, cunning, and convincing when persuading Marjorie to transfer her inheritance to another bank, the Money Bank, under the guise of getting higher returns, which was a very believable lie. The truth was her current financial planner was much too suspicious and nixed all his schemes to gain access to Marjorie's millions. The new Chief Financial Officer at the Money Bank, one Herbert Hallmore, had agreed to be his silent and cooperative partner in various shady deals as long as he received a percentage of the profits.

Randolph's secretary buzzed and said, "Herbert Hallmore is on the line."

"Hello, Herbert. I thought you might be calling," Randolph said, sounding upbeat and not the least bit worried.

"You sound very cherry for having just lost two million dollars. If you remember, I repeatedly warned you against investing in a Chinese company claiming to have cured baldness with injections of stem cells. I repeatedly told you to check out their claim, and you assured me you had. Apparently you hadn't done due diligence because your two million is gone. The question is how will you now repay the loan?" Herbert asked, his voice rising to emphasize the hopelessness of his question.

But Herbert wasn't hopeless or even the least bit worried that his bank might have to write off Randolph's loan. Herbert had approved Randolph's unusually large personal loan only after Marjorie had acted as cosigner, pledging her large fortune as collateral. And best of all, after the loan documents were signed, Randolph had sent a black leather briefcase containing thirty thousand dollars in used bills as a thank you. The lovely briefcase had made Herbert's day and he looked forward to many more such briefcases.

"Herbert, please calm down or you will have another one of your gastric attacks," Randolph said, knowing Herbert practically lived on Maalox and jelly donuts.

"Calm down? How can I?" Herbert said in an exaggerated tone, still acting like an anguished banker. "My signature is on the loan documents, and my reputation is at stake. How could you have been so completely fooled? How could you —"

"Herbert," Randolph interrupted, "you do not need to tell me what I already know. I not only read the newspaper article but had personally taken a tour of the Chinese laboratory before I decided to invest my money."

Randolph sounded testy and wanted to move on to the real purpose of Herbert's call.

"Just let me finish! When you took the tour did the Chinese so-called scientists explain the rats they were using were expensive because they were specially bred to be hairless?" Herbert asked, taking pleasure in rubbing Randolph's nose is his dumb decision.

"Yes, they explained all the rats had been specially bred to be hairless and were often used in various kinds of research," Randolph said, knowing there was no stopping Herbert now.

"Did the Chinese scientists ask you to randomly select one of the treated rats from rows of cages to prove there were no fake or planted rats?" Herbert asked.

"Yes they did, and I randomly selected a treated rat for inspection," Randolph said.

"And when you looked at the rat, was its right side hairless? Just pink skin?" Herbert asked.

"Of course the rat's right side was nothing but pink skin because it was bred to be hairless," Randolph said, trying not to show his impatience.

"And when you looked at the rat's left side, which was supposedly injected with modified stem cells, was it fully covered in thick, healthy hair?"

"Yes," Randolph said.

"And to prove the hair was not glued on like a fancy wig, did they ask you to tug the hair as hard as you wanted?" Herbert asked.

"Yes, the rat's left side was covered in healthy hair, and I did tug and pull, and it was real hair," Randolph said.

He remembered seeing the amazing contrast between the rat's natural, pink-skinned right side and its healthy, thick-haired, treated left side. The contrast had been so astonishing that it completely convinced him the Chinese company had found a stem cell cure for baldness.

"And do you know the saying, if something appears to be to good to be true, it—"

"Yes, Herbert," Randolph again interrupted, "I know the saying. So what is your point?"

"My point is all the rats you saw were actually normal, healthy, hairy rats, not a single one bred to be hairless. The Chinese so-called scientists were not skilled researchers but only very skilled barbers. They regularly shaved the rats' right sides to expose their pink skin, making them appear hairless. They said they had injected the rats' left sides with stem cells, which resulted in the rats growing new, healthy hair. But, in fact, nothing had been done to the rats' left sides. They were simply covered in their normal, healthy hair. It was a such a clever hoax that it might make a great movie," Herbert said, sounding much too sarcastic.

Randolph did not like sarcasm and did not reply.

"Are you still there?" Herbert asked.

"Yes," Randolph said, knowing Herbert would not stop until he had regurgitated the entire article.

"I'm almost finished," Herbert said. "According to the article, each potential backer was told two million dollars was the minimum initial investment, but when the company went public in six to twelve months, the shares would skyrocket since finding a cure for baldness was the holy grail of research. But then, poof, the Chinese vanish, it's all a hoax, and you're out two million dollars."

Herbert almost started singing his favorite hymn, "God is so Good," because some very easy money was about to come his way.

Randolph knew he had been duped as badly as someone writing a two million dollar check to buy the Brooklyn Bridge. For one of the few times in his entire life, he had acted rashly, motivated by his chance to make millions, be truly rich in his own right, and end the ugly gossip about how he was living on Marjorie's money.

"Because your personal loan was exceptionally large there was a condition if anything went amiss with your investment, the bank could call in the loan and you have ninety days to repay the two million dollars, plus accrued interest. Obviously, something went amiss since the investment was a hoax. Now the bank has no choice but to call in your loan," Herbert finished as if he were a hangman ready to put on the noose.

Herbert had no way to know Marjorie had not actually cosigned the loan. Randolph had forged her signature because he had deemed the baldness cure a chance in a lifetime to make a fortune. Marjorie was not a risky investor and would never have invested in a questionable Chinese company. But without Marjorie as cosigner, Herbert's bank would never have approved such a large person loan. Randolph was on dangerous ground because if his forgery of Marjorie's signature ever came to light, he would certainly be disbarred and might even face jail time.

Herbert made a suggestion he had thought about before calling Randolph. "I think the bank would consider giving you a year to pay off your loan provided you agreed to a slightly higher interest rate." Herbert smiled to himself as he would receive an extra large year-end bonus for renegotiating Randolph's loan at higher interest.

"I think that is a reasonable suggestion," Randolph said, knowing he didn't have a choice.

"I'll draw up the new loan documents and have them sent over for you and Marjorie to sign," Herbert said and quickly added, "By the way, my black briefcase has disappeared, so I'll be needing a new one."

"All right," was all Randolph said, knowing Herbert expected his usual pay off of thirty thousand dollars. Randolph would have to forge Marjorie's signature yet again, something he could do very well.

Herbert put down his phone, already calculating the bonus he would receive and looking forward to a new, black briefcase filled with thirty thousand dollars. Herbert glanced up at the ceiling and mouthed, Thank you Jesus for my good fortune.

Randolph stared at the phone and thought, I must come up with two million dollars in a year. Difficult but not impossible since I know where a little over two million dollars is waiting with my name on it. Taking it might cause tears but they won't be mine.

Chapter Two

"I know you are getting serious about Randolph, so I did some checking and discovered some disturbing things. It turns out he is a successful lawyer, but some of his wealthy clients are suspect and maybe connected to a drug cartel in Tijuana," Norman said.

"His clients don't concern me," Marjorie said, her face turning red with anger. "Randolph has been very loving and supportive. And he's always treated me with complete respect. Never once did he talk about money or ask about my inheritance."

That didn't surprise Norman, who figured Randolph was much too clever to talk about money. He switched to another topic.

"I also asked several of my colleagues how Randolph made full partner in two years, when it usually takes at least five or more years. They said the talk on the street was Randolph had threatened to reveal some very damning personal information about the two senior partners. In other words, Randolph became full partner by using blackmail, which certainly raises questions about his character. I would advise you think long and hard before agreeing to marry him."

"I'm sure those accusations are nothing but rumors, spread by people who are jealous and envious of Randolph's talents. I love him and intend to marry him," Marjorie said in an angry tone, her face turning red hot.

Norman was a crusty old man and not accustomed to people rejecting his good advice, especially not his own daughter. He looked at her through eyes partially cloudy from cataracts and tried to keep his voice calm.

"Marjorie, from what I have just told you, how can you possibly trust him? However, if you insist on marrying him, will you at least take my advice and protect your inheritance by asking him to sign a prenuptial agreement?"

Marjorie loved her father and did not want to argue because stress was bad for his failing heart.

Norman had drawn up a prenuptial agreement that prevented Randolph from ever getting any monies from Marjorie's inheritance. But Randolph was determined to marry her anyway. He knew he had years to figure out a way to work around the terms of the prenuptial agreement.

Norman's health continued to fail, and he was confined to his sick bed. One day when Marjorie came to visit, Norman had said, "I do not have much time left and would like to give Randolph some last good advice."

She had agreed and had brought Randolph to Norman's sick bed. She remembered Randolph bending down and putting his ear close to Norman's mouth to hear what he was saying. After leaving Norman's sick bed, Marjorie asked Randolph what advice Norman had given him.

Randolph had kept his face neutral and said in a calm voice, "Norman said I must promise to always love and protect you."

But that was another of Randolph convenient lies.

What Norman had actually whispered into Randolph's ear was, "Make your own money, you bastard. You'll never get any of Marjorie's."

Randolph had been so angry he would have reached out and strangled the old man's wrinkled neck if Marjorie had not been there.

During his final days, Norman had added another stipulation to Marjorie's prenuptial agreement. He decided not to inform Marjorie, because it would be too upsetting. But he decided to tell Carol about the stipulation so she could look out for and have the legal means to protect her mother. The stipulation read: if at any time Randolph were ever found to be unfaithful, such behavior would trigger immediate divorce proceedings.

With his health failing, Norman began to set up trust funds for Marjorie's two children, Bart and Carol. Norman had been well enough to carefully check Carol's trust documents, but he took a turn for the worse before he could do the same for Bart's. Norman had asked Marjorie to check Bart's documents, but she was too worried about Norman's health and instead asked Randolph to do the checking. Randolph saw his chance to get some revenge for Norman forcing him to sign the prenuptial agreement. Randolph had cleverly inserted a malfeasance clause among four pages of single-spaced trust documents. In everyday terms, the malfeasance clause said if Bart were arrested or convicted of any criminal action before the age of thirty, the management of his trust fund would automatically come under the sole discretionary control of Randolph. A few weeks later Marjorie had married Randolph and a month later Norman died.

Randolph was now sitting is his office, thinking of ways to raid Bart's trust fund, which he knew held about two million. I'll first try the honey approach, which is quick and easy. If it doesn't work, I switch to the vinegar approach, which is underhanded, cause some tears but guaranteed to work.

If he used the honey approach, he would tell Bart he could double his money if he transferred his trust to Herbert's bank. Bart would need to sign several pages of single-spaced legalese documents, which like most people, he wouldn't bother to read. Buried in the documents, Randolph would insert a clause that essentially gave him alone complete control over Bart's trust, no longer needing approval of a bank officer. Once Bart signed the documents, Randolph could gradually start withdrawing money to pay off his loan.

(Continues...)

Excerpted from Greed Versus Goodnessby Rod Plotnik Copyright © 2013 by Rod Plotnik. Excerpted by permission of AuthorHouse. All rights reserved. No part of this excerpt may be reproduced or reprinted without permission in writing from the publisher.
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