Murder on the Bluffs, page 1
Praise for the Books of
Edith Maxwell
“The historical setting is redolent and delicious, the townspeople engaging, and the plot a proper puzzle, but it’s Rose Carroll—midwife, Quaker, sleuth—who captivates in this irresistible series . . .”
—Catriona McPherson,
Agatha-, Anthony- and Macavity-winning author of the Dandy Gilver series
“Clever and stimulating novel . . . masterfully weaves a complex mystery.”
—Open Book Society
“Riveting historical mystery . . . [a] fascinating look at nineteenth-century American faith, culture, and small-town life.”
—William Martin, New York Times
bestselling author of Cape Cod and The Lincoln Letter
“Intelligent, well-researched story with compelling characters and a fast-moving plot. Excellent!”
—Suspense Magazine
“A series heroine whose struggles with the tenets of her Quaker faith make her strong and appealing . . . imparts authentic historical detail to depict life in a 19th-century New England factory town.”
—Library Journal
“Intriguing look at life in 19th-century New England, a heroine whose goodness guides all her decisions, and a mystery that surprises.”
—Kirkus Reviews
Books by Edith Maxwell
Quaker Midwife Mysteries
Delivering the Truth
Called to Justice
Turning the Tide
Charity’s Burden
Judge Thee Not
Taken Too Soon
Lauren Rousseau Mysteries
Speaking of Murder
Murder on the Bluffs
Local Foods Mysteries
A Tine to Live, a Tine to Die
’Til Dirt Do Us Part
Farmed and Dangerous
Murder Most Fowl
Mulch Ado About Murder
Country Store Mysteries
(written as Maddie Day)
Flipped for Murder
Grilled for Murder
When the Grits Hit the Fan
Biscuits and Slashed Browns
Death Over Easy
Strangled Eggs and Ham
Nacho Average Murder
Candy Slain Murder
Cozy Capers Book Group Mysteries
(written as Maddie Day)
Murder on Cape Cod
Murder at the Taffy Shop
Title Page

Copyright
Murder on the Bluffs
Edith Maxwell
Beyond the Page Books
are published by
Beyond the Page Publishing
www.beyondthepagepub.com
This book was originally published as Bluffing Is Murder under the name Tace Baker, copyright © 2014 by Tace Baker; this edition copyright © 2020 by Edith Maxwell.
Cover design by Dar Albert, Wicked Smart Designs
ISBN: 978-1-950461-68-4
All rights reserved under International and Pan-American Copyright Conventions. By payment of required fees, you have been granted the non-exclusive, non-transferable right to access and read the text of this book. No part of this text may be reproduced, transmitted, downloaded, decompiled, reverse engineered, or stored in or introduced into any information storage and retrieval system, in any form or by any means, whether electronic or mechanical, now known or hereinafter invented without the express written permission of both the copyright holder and the publisher.
This is a work of fiction. Names, characters, places, and incidents either are the product of the author’s imagination or are used fictitiously, and any resemblance to actual persons, living or dead, business establishments, events or locales is entirely coincidental. The publisher does not have any control over and does not assume any responsibility for author or third-party websites or their content.
The scanning, uploading, and distribution of this book via the Internet or via any other means without the permission of the publisher is illegal and punishable by law. Your support of the author’s rights is appreciated.
Dedication
For the members and attenders of Amesbury Friends Meeting,
who have held me in the Light for thirty-one years
Acknowledgments
My fellow writers in the Monday Night Salem Writers Group critiqued most of the scenes in this book and improved it vastly. Thank you to Margaret Press, Rae Francouer, Elaine Ricci, Sam Sherman, and the late Doug Hall. Sherry Harris read and edited the entire manuscript. She once again pointed out numerous plot holes and offered valuable suggestions for improvement. Any flaws in the book are due entirely to my ignoring the comments of these colleagues.
I wouldn’t be published at all if it weren’t for what I learned through Sisters in Crime, the Guppies, and the New England chapter of SINC, and I wouldn’t have had so much fun along the way, either. Thanks so much to Bill Harris of Beyond the Page Publishing for picking up this book as well as Speaking of Murder and reissuing them as Edith Maxwell books after they went out of print under my first pen name of Tace Baker.
Readers familiar with the North Shore of Massachusetts will recognize landmarks from the town of Ipswich and similarities to certain news stories from past decades. This story is entirely fictional, however.
Once again I am indebted to my second family, the regulars at Amesbury Friends Meeting, who cheer me on and hold me up. I am grateful to all the mystery readers out there who like to read about Quaker protagonists in these books and in my historical Quaker Midwife Mysteries. I hope you also love my contemporary cozy mysteries published under the name Maddie Day.
As always, thanks and fierce love to my sons, Allan and John Hutchison-Maxwell, and to my main man, Hugh Lockhart.
Contents
Chapter 1
Chapter 2
Chapter 3
Chapter 4
Chapter 5
Chapter 6
Chapter 7
Chapter 8
Chapter 9
Chapter 10
Chapter 11
Chapter 12
Chapter 13
Chapter 14
Chapter 15
Chapter 16
Chapter 17
Chapter 18
Chapter 19
Chapter 20
Chapter 21
About the Author
Chapter One
I turned away from the teller when a man in work clothes pushed open a frosted-glass office door in the Ashford Credit Union and stalked back into the main lobby of the bank. His ruddy face spoke of sun, hard work, and frustration. A beer gut pushed out his shirt.
He pivoted to look at the man standing in the doorway. “Look, Walter. I need that loan for my boat. It’s bad enough I can’t even afford to live in town anymore. Now you fat cats are cutting off my livelihood, too.”
The banker followed him out, dressed in impeccable threads: nicely cut dark suit, pale yellow shirt, perfectly tied gold necktie, shiny black shoes. His thinning blond hair was arrayed neatly on his scalp, every strand gelled into position.
“Bobby, I told you I was sorry.” Walter Colby’s tone was low, but everyone else in the high-ceilinged room had fallen silent as they watched. “We’ve known each other forever, but I can’t justify this loan.”
“It’s just to tide me ovah,” Bobby Spirokis said in an exasperated tone. He shook his head and rubbed his forehead with a weathered hand.
Walter shook his head. “I can’t do it. I have to account to the directors, and they won’t approve it. If Charles Heard won’t insure your lobster boat, we can’t loan you money for it.”
“How am I supposed to fix it so’s I can insure it if you won’t give me the money?”
Walter spread his hands. “That’s how the world runs, Bobby.”
Bobby stormed toward the door. “Your time’s gonna come, Walter Colby. You’ll see how it feels,” he spat. He paused at the door. “You watch yourself. You and your buddy Heard.”
The bells on the heavy door jingled behind him. The teller rustled paper as if to show that she was, in fact, doing her job instead of eavesdropping on the branch president and a client. I stood rooted in place grasping the cashier’s check I’d just bought.
Walter smoothed down his tie and his graying hair and then caught sight of me. He walked toward me, hand outstretched. He had a bit of a gut, too, but I’d bet it came from Scotch and lobster and not Bud Lite.
“Good morning, ma’am.” He beamed the smile of a salesman.
I shook his hand and wondered when I had gone from a miss to a ma’am.
“Is Tracy helping you with what you need today?”
I nodded.
The smile left his face as he turned back toward his office.
So much for actually getting to know one of your clients. I left the building and crossed Market Street. The late-May air was mild on my skin. It smelled of lilacs and impending summer.
I pulled a letter out of my bag and read it one more time. “If we do not receive full payment within five business days, a fine in the amount of five hundred dollars will be added to your premium, payable immediately.” It had only arrived at my condo the day before. My mortgage was also at risk if my insurance lapsed. I shook my head.
One of the many good things about small-town Ashford was being able to walk downtown and pay bills in person. Except that I had been so busy at the end of the Agawam College semester that I’d forgotten to pay my homeowner’s insurance. I
I entered the Heard Insurance Agency and greeted the young man at the desk. He wore a long-sleeved shirt and tie and looked like he’d recently graduated from high school. The door to Charles Heard’s private office at the other side of the room was closed. Good. I didn’t really want to try to be civil to the man who’d signed the letter.
I stood in a small space that featured what looked like original watercolors of the salt marshes and the Ashford River. A bonsai spruce in a shallow rectangular pot sat on a table under the window. I raised my eyebrows. That was a new addition to the office. I cultivated a bonsai elm in my own office at the college.
“Nice tree. Who takes care of it?” All thoughts of my late insurance bill flew out the window as I stroked a miniature gnarled branch. The tree’s form was classic, like it should have clung to a coastal cliff.
“That’s Ms. Heard’s hobby, ma’am,” the young guy said. “She thought the light would be good for it here.”
There was that ma’am again. I must be showing my age. Since when was thirty-five old?
“It’s lovely. I didn’t know anybody else in town cultivated them.”
He smiled at me with the patient look of the young, waiting for an elder to quit boring him. “Can I help you with something?”
“I simply want to pay my bill.” A small nameplate on his desk read Mark Pulcifer. “Are you related to Phillip and Samuel?”
He looked up. “They’re my great-uncles. How do you—”
The door to the back office opened. Charles Heard appeared with a paper in his hand. He shook his head with impatience and pursed his lips in exasperation. “Mark, did that fax come in from the lawyer for—” He stopped when he saw me.
“Morning,” he said. He pasted a smile over whatever he had been upset about.
I returned the greeting and extended my hand. “I don’t think we’ve met before, Mr. Heard. I’ve had my insurance with you for several years. Lauren Rousseau. I live up on Upper Summer Street.”
He shook my hand. “Always happy when people want to keep their business in town. We appreciate it, ma’am.” A tune from Carmen rang out from the back office. “Excuse me for just a moment.” He set the paper on a bookshelf, turned back to his office, and picked up a cell phone from his desk.
I glanced at the paper. Curious. It looked like it was written in Arabic. I took a closer look and spotted two of the characters that were added to the script for writing in Farsi. Maybe Charles Heard had business in Iran, or maybe he had lived there at some point.
I returned to the bonsai. As I stroked its leaves, I heard Charles’s side of the conversation. It sounded like a discussion of the current controversy in town, the conflict between the Trustees of the Bluffs and the town. Residents who lived on the Bluffs land trust owned their homes but rented the land under them. The Trustees’ three-hundred-year-old mandate required them to turn over the rents to the town for the education of the children. Except the secretive cabal hadn’t given the schools money for years. It was all anyone in town talked about lately.
“Listen. The children are fine. They’ve still got their precious sports.” His tone was bitter. “We’re managing the property as best we can to simply stay afloat.”
In the silence that followed, I studied the bonsai.
“We’re going to win, you know. Don’t try to stand in our way. Somebody could get hurt.”
I glanced at the young man at the desk to see if he had heard the threat. Head down, he appeared to be focused on the paperwork on the desk in front of him.
Charles reemerged from his office with flushed face. He looked startled to find me still there. “Thank you for coming by. If there’s ever anything I can do for you, just call, all right?” He straightened the knot on the bright blue tie he wore over a white dress shirt that still bore fresh creases from the laundry.
“Well, actually, don’t you think it’s pretty harsh to threaten me with a fine? My insurance payment is only a few days overdue.” I waved the letter as my voice rose.
The smile slid off his face. He took the letter and perused it. He looked at me. “Our recommendation is for you to fold the homeowner’s policy into your mortgage. For customers who choose to pay it themselves, we need to be sure coverage is kept current. It was clearly stated on the application packet you must have filled out.”
“I have been current! This is the first time I’ve ever been late with the check. You don’t give more than five days’ leeway for local residents?”
“Ma’am—what was your name again?”
“Lauren Rousseau.”
“Mrs. Rousseau—”
“It’s Dr. Rousseau.”
He rolled his eyes. “Doctor Rousseau.” The stress on the first syllable of my title sounded exasperated. “Look, we’re trying to protect our clients. It’s to your detriment if you are an uninsured homeowner. We’ve found that knowing about a financial penalty encourages people to pay on time. How long have you lived in town, anyway?”
“What does that matter?”
He consulted the letter, peering at a code in the top margin that I had never been able to decipher. “Around here, Doctor, buying a condominium and living in it for a few years hardly qualifies you as being from here.” His tight smile was topped by cold eyes. The bell on the door jingled.
“Look, I can take my business elsewhere if you can’t be decent enough to allow a grace period.” Appalled to hear my voice shaking, I turned toward the door. “I’ve never heard of such a fine.”
Charles’s eyes darted away from mine, and he tapped the letter on his left thigh.
“What’s this about decency?” A sturdy man with a shiny pate strode in. He wore a dark gray shirt with a navy tie, and over it a maroon sweater vest with a moth hole near the shoulder. A round pin proclaiming Rotary membership was fixed to one side of the shirt collar. “You giving people trouble again, Charles?” He looked back and forth between Charles Heard and me.
Charles cleared his throat. “Only some business with a customer, Chief Flaherty. Dr. Rousseau here seems to want special treatment.”
“Just some business? I think threatening to fine me an exorbitant amount if I don’t pay in five days is heartless,” I steamed. “There are plenty of other insurance agencies that are more understanding.”
“Not in this town, there aren’t,” Charles snapped back. He folded his arms and stood with his feet apart like Mr. Clean. Except he wasn’t tall and bald and didn’t sport an earring. And he didn’t smile.
“Now, now,” the police chief said. He looked at me. “Ah, yes. Dr. Rousseau. We’ve met before.” He extended his hand.
I shook his hand, glad for the diversion. Glad for a chance to catch my breath and cool down, despite the reminder of the circumstances under which I had met the chief of police a couple of months earlier. What had come over me, to yell at someone in public? I realized my other hand still gripped the envelope with the cashier’s check in it. I might as well pay up. I proffered it to Charles.
“You’ll take my money, I assume? And not cancel my policy?”
He nodded, then extended his chin toward the young man at the desk, keeping his arms folded as if as a shield in front of him.
Young Mark, meanwhile, kept his eyes firmly on the papers on the desk as if two adults hadn’t just embarrassed themselves in front of him.
“Here, Mark.” I handed the envelope to him.
He looked up and smiled with what looked like relief on his smooth, pale skin. “Thank you, ma’am.”
“Can I have a receipt, please?”
Mark nodded and wrote one out.
I thanked him. I told the chief it was nice to have seen him again and walked out. Charles Heard said nothing and neither did I. I felt his eyes burn holes into my back. I did not turn around.
• • •
I stretched and checked the clock the next afternoon after working on my paper for the East Asian Linguistics Conference. Five o’clock at the end of May still left enough time for a run on Holt Beach before it closed at sunset. I changed into stretch shorts and a T-shirt, grabbed the keys to my truck and a water bottle, and headed out. Another blessing of the town was a gorgeous wild beach on the Atlantic a fifteen-minute drive away and an annual town resident’s parking sticker for only twenty dollars.
