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MUSINGS FROM LONG HILL

THE GIFT OF INSECURITY

BY RICHARD MURPHY

LEGAL BRIEF
ROBERT A. GEORGE, ESQ.
M TH
E ON T H LY FOR READERS
STURBRIDGE ATTORNEY

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SELLER FINANCING
With banks reluctant to lend money to anyone who doesnt have A+ credit and a hundred grand in the bank, more buyers are asking more sellers to be the bank for them. It works like this. Once the two sides settle on a price, the seller signs a deed conveying the house to the buyer. The buyer, in turn, signs a promissory note promising to pay for the house and a mortgage that, essentially, gives the house back to the seller. It gives the house back in the sense that if the buy-

ers dont pay, the seller can foreclose. This sort of deal really only works if the seller owes little or nothing on the house. Otherwise, someone has to pay off the bank at closing, and the whole point of this sort of deal is that no one has a lot of money to begin with. That said, its not a good idea unless the buyer brings at least a few thousand dollars to the closing table. The seller is taking a real risk that the buyer wont pay the mortgage. If that happens, the seller will need the down payment to hire a lawyer and fix the place up after he gets it back. The buyer might also offer to make a balloon payment. Under this deal, he would have to refinance the property and pay off the seller within a couple years. The seller might be taking a risk, but in return he gets interest payments for 24 months and the full purchase price within two years. This is what the banks used to get before they got too scared to loan money.

NOVEMBER SAW MUCH DISCUSSION IN THE MEDIA about the vast resources allocated to insure the presidents safe trip to India. There was some disagreement about the number of naval vessels that would accompany him. Even the lesser number than originally quoted would have been enough to destroy all but the worlds largest navies. To insure a peaceful sleep, it sounded as if every hotel room in Mumbai was to be reserved, just in case. The security mania did not start with the incumbent and Mumbai does have an image problem around safety after the 2008 siege. Still, the recent foreign tour highlights what to some, namely me, might seem a problem. An article, Lunch With George, written by the publisher and editor of this publication has been on my mind since it appeared in the August of 2008 issue. Paul Carr wrote about an afternoon spent in the near company of George Bush the elder. I did not think his portrayal of the ex-president was unsympathetic, but neither was it fawning. It was a day in the life of a man who had had his day in the sun. The 41st president was just enjoying post celebrity mode. What I took away from Pauls article was not about the man being out and noticed by the public. What caught my eye were the security arrangements. The man had been out of office over a decade and a half. The only person known to have it in for him lethally had gone to the gallows. Yet, he will be accompanied by men described in the article as behemoths as long as he lives. Every president will have this protection for life.

Contrast this with the current state of travel for an American citizen. He or she may have to go through a machine that will leave nothing about their anatomy to speculation. If they opt out of the electronic pat down, the physical one is more demeaning. So are we being paranoid? Lets do the math. It has been reported that we have passed the million mark on our national No Fly List. Breaking down the numbers, on 911 it was a team of 19 men who executed the plan. Assume that there were six liaison, handlers and other staff. That makes up a crew of 25. That means a possible 40,000 terror teams whose potential members we know about, but just wont let fly. I may never come out from under my bed. It seems we are going to the National Security State with us all on lockdown. A few years ago a car veered off our street. An officer responded and did a normal investigation. It was a little strange that he was wearing a SWAT uniform. At our town meeting, the department requested and was voted the police version of the M-16. There is almost never an arrest here. It is that boring aspect of the town that we love. Yet, our town dads and moms can be easily stampeded into paranoia. Never mind that statistics show that we are pretty safe. We are still told that without a constant effort we will be at the mercy of the terrorists. With what we are paying for our Department of Homeland Security, we should not have a care in the world. There is reason for a climate of fear. We are in danger. Its just not the danger being sold. When we screw our courage to the sticking point and finally get in the Continued on page 26

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The gift of insecurity

Continued from page 22 car to get a slurpie down at a convenience store, we have a good chance of becoming a casualty. Not from Abdul the Jihadi, but from another driver crashing into us. Go and poll undertakers in your region about how many kids theyve buried due to a drowning in the family pool. Ask them how many local terrorists have caused any funerals. So we are heading toward more and more control. We need Real ID to make us feel better. In a scene from the movie The Hunt for Red October, Sam Neill's character is talking with Sean Connery's. Neill talks about how he is going to travel from state to state in his recreational vehicle when he becomes an American. At one point he says, "No papers?" and Connery affirms, "No Papers." It is the difference between a free and unfree country. What will we say when we have to hear, Your papers, please. I expect to be accused of Lse majest for the suggestion I intend to make, but so be it. It is time to take away the Secret Service protection of presidents and candidates and other officials and people of importance. Now, before giving vent to paroxysms of rage, think about it. A vast sum of money is spent to protect him and a fortune is spent to watch you in your own name. There is no incentive to change the system. I have no desire to see anyone in government be the victim of any violence. Let me not mince words. I wish it to happen to my lumpen countrymen far less. We should all have the same level of protection or the same risk. The desire to protect the president is understand-

Merry Christmas!

able. There have been a number of assassination attempts since JFK. Like all my contemporaries, I remember my circumstances that day. The funeral was spectacle, but it was heart wrenching no less for that. Since then weve had the King shooting, the attempt on Reagans life. The multiple bizarre attempts on Ford didnt help. Remember Arthur Lee Bremer? We started getting paranoid even about fringe candidates. That all is true, but the thing about the presidency is there is never a dearth of ambitious men (and some women) who seek it. It is a pinnacle of success. It is also a position of leadership and therefore should not be without risk. Serious risk. Though not a betting man, I would be happy to wager that even without the coterie of guards we now provide, there would still be a surfeit of aspirants. So how would this reform help anything? If the president cannot have a protecting force for himself, he may be cognizant of a shared risk. Our protection should be his protection and his should be ours. It is theory we should be willing to test. Who knows, we could get back to a real human presidency. Harry Truman used to walk down to the drugstore by himself in the morning to get the paper. That may never happen, but if the president doesnt want to go out without a helicopter hovering overhead, he can subscribe. Oh well, things wont change. I should just seek a sinecure that leads to the need for protection. I want three security personnel and a driver on the federal dime. Would be willing to trade one of the agents for a masseuse.

Happy Hanukkah!
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