Calculated Risk

Calculated Risk

by Zoe M McCarthy


View All Available Formats & Editions
Use Standard Shipping. For guaranteed delivery by December 24, use Express or Expedited Shipping.

Product Details

ISBN-13: 9781611163568
Publisher: Pelican Book Group
Publication date: 11/21/2014
Pages: 279
Product dimensions: 5.00(w) x 8.00(h) x 0.63(d)

About the Author

Zoe M. McCarthy believes the little known fact that opposites distract. Thus, she spins Christian contemporary romances entangling extreme opposites. Her tagline is 'Distraction to Attraction, Magnetic Romances Between Opposites.' Calculated Risk, Zoe's debut novel, will be available in November 2014. Christian Fiction Online Magazine published two of her short stories. Zoe enjoys leading workshops on the craft of writing, speaking about her faith, planning fun events for her 5 grandchildren, and exploring the Blue Ridge Mountains, where she lives with her husband, John. Visit Zoe at, on her Facebook Author Page:, and through Twitter https//

Read an Excerpt

Calculated Risk

By Zoe M. McCarthy

Pelican Ventures, LLC

Copyright © 2014 Zoe M. McCarthy
All rights reserved.
ISBN: 978-1-61116-356-8


In search of the yellow sticky with her ideas for today's meeting, Cisney Baldwin sifted through papers on her desk. She had a choice: honor her rash commitment to spend the Thanksgiving holiday with Nick LeCrone and his family, or lie and join her friends on the Colorado ski slopes.

Biting cold air and exhilarating speed might keep her mind off slime-ball Jason. And, she'd need her Richmond friends nearby to nurse her self-esteem after she told Daddy she'd lost his pick for her future.

She planted fists on her hips and stared at the papers sprinkled with yellow stickies that covered her workspace. Minutes before her meetings with Nick, she could never put her fingers on her notes. Why did this always happen?

How was she going to face him today, after he'd stood in her office doorway last week and watched her disintegrate during Jason's dump-Cisney phone call? If only she'd stopped there, but no, she hung up and blubbered about the end of her six-month relationship and having nowhere to go for Thanksgiving.

She splayed her arms over her paper-covered desk and knocked her head on the piles. This was all Jason's fault. Jason needed space? Right. What he needed was freedom to date that woman with a waist the size of his muscular neck.


She shot erect, raking her hair from her face.

Nick stood in her doorway. He didn't have a greasy mop of hair or wear button-down shirts two sizes too small, but he carried a calculator loaded with countless complicated functions. The joke around Marketing was that actuaries were accountants without personalities.

Nick came from a long line of actuaries, several still kicking. And unlike go-getter, snap-decision-maker Jason, built like a football tackle, lean Nick was analytical, reserved, and deliberating.

Daddy would eat him for lunch.

She peeled a yellow sticky from her arm and stuck it back on her desk. "Hi. Come in and have a seat." She moved aside a stack of company summaries. Her new marketing strategy would turn the profiled companies into customers for Virginia National Health Insurance — if Nick approved the financial risks.

As he eased into the chair beside her desk, she fiddled with her pen. She needed to back out of the weekend now, before he had a chance to give her holiday details. Which of her excuses would avoid hurting his feelings?

He hooked his arm over the back of the chair and rested his ankle on his knee, as if he had no upcoming trips on his mind. "Did you come up with an alternative to shortening the pre-existing period?"

Happy day! Could he have forgotten he'd invited her to spend Thanksgiving with his family? Oh, yeah, he never chitchatted before getting down to business. Didn't he want to know how she was holding up the week after her boyfriend had dumped her? He must know her heart still hurt like a triple bypass.

She lifted a legal pad. None of the yellow stickies beneath it had miraculously morphed into the one she needed since the last time she'd checked. "Yes, I do have a couple of new ideas that came out of our focus groups." If she could find them. She picked up an empty foam cup hinting of French vanilla and threw it into the trashcan. Maybe this was a good time to renege on their trip south.

Nick leaned over and removed a yellow sticky adhering to the side of her desk. "Is this what you're looking for?"

She squinted. Yep, that was the sticky. "How'd it get there?"

The knowing smile on the tight-lipped man's face probably meant he thought she'd resorted to using other surfaces of her desk, now that no space existed on top. What next, her forehead?

"Let's see ..." She turned over a memo and drew boxes, circles, squiggles, and lines, labeling them while she pitched her proposal. His gaze kept up with her scurrying pen, until the paper filled with shapes and words, and she stopped.

He studied her pen scratches.

Was he entering one of his endless deliberations of her great ideas? Cisney didn't need this right now. Boyfriend problems and Thanksgiving among a family of actuaries still loitering on her calendar was enough. She would not nudge Nick for his opinions. Today, she'd let him sit and think. She'd bring blood to her lips before she'd say a word. She tapped her toe under the desk.

He didn't move. Not a comment. Not a question.

Would it be impolite to ease her new phone from her pocket and set the stopwatch? She put down her pen and bit her lip. Cisney Ann, do not open your mouth.

She sat back and crossed her arms. Did Nick have a girlfriend? He wasn't bad looking. Hair, ho-hum brown. Decent nose. Maybe turned slightly to the right? Lips ... kissable, if actuaries knew how to kiss. Eyes ... whoa. Nice job, Mr. and Mrs. LeCrone.

Why, in the year she'd professionally known this man, hadn't she noticed how his abundant lashes framed and gave life to his gentle brown eyes? Probably because of the get-down-to-business glasses he always slipped on as soon as he sat.

Nick punched numbers on his calculator and jotted figures next to her drawings.

Ah, movement from the actuary. Come on, Risk Man, bless my proposal.

Who'd have thought this analytical man of few words would sympathize with her falling-apart moment and tell her she'd spend Thanksgiving with his family in some small town in North Carolina? Who'd have ...?

Ha! He hadn't asked her, he'd told her. She'd nodded, while she blew her nose, but her nod was ever so slight. So insignificant it didn't count as a commitment.

"Sounds doable and the risks are manageable."

She startled. "What?"

"They're good ideas, Cisney."

She sat up straight. "Really? I mean, that's great." She jetted her hands upward. "Hurray! I can move forward with actuarially sound ideas."

He smiled while removing his glasses. "I knew you'd come up with something workable."

Was that a second bona fide compliment? "Thanks, Nick."

"Anything else?"

She rose as he stood. Time to weasel out of Thanksgiving with the LeCrones. Her heart hammered and her hands trembled. Could she deliver her spiel without her voice betraying her twist of the truth? She swallowed. She could do this. The words were simple: She was so sorry. When she'd accepted his kind offer during her stressful moment, she'd forgotten about the ski trip with her friends.

"Um ..." Her tongue sought saliva, but finding none, ran over her lips like a dry cotton swab.

Let your yes be yes and your no be no.

But she needed the companionship of the other singles in Marketing. Marketing people were outgoing and fun. With Mom and Daddy in Germany, wasn't a ski trip with her friends the balm for her wounded heart? Angela and the others were her safety net after she told Daddy his ideal future son-in-law had bolted.

Let your yes be yes and your no be no.

OK. Fine. She'd go with Nick.

He collected his calculator and legal pad. Wasn't he going to give her trip details? After all, they would leave for his hometown in less than three days. She needed to know the Thanksgiving dress code and what time he'd pick her up.

He put his pen in his shirt pocket.

If he still wanted her to spend four days with his actuary infested family, why didn't he act like it? She widened her eyes and arched her eyebrows. "Well ...?"

He met her gaze. "Yes?"

She refused to drag trip information from him. He needed to learn to communicate. Before she'd met Jason's parents, Jason told her to wear her royal blue dress, bring a homemade dish to wow his mother, and remove her shoes on the welcome mat.

She shrugged off her comment.

He moved to the door.

Lord, aren't you going to prod him, as you so rightly did me?

Nick stopped.

Ah. Now he remembered he'd invited a guest who needed particulars.

He nodded at the paper she'd used to pitch her proposal. "As soon as you turn your collage into a document, get it to Julie, and she'll run the official numbers."

She stared at him, speechless.

He held up his hand in farewell and left.

She sank to her chair and thrust her hands toward the drop-ceiling tiles. "Actuaries! They should be forced to take remedial communication classes."

* * *

Cisney hunched over the kitchen counter in her apartment, her stocking feet resting on the rungs of the barstool. While she crunched her second bowl of fruit-flavored cereal, she stared at her phone. Nick hadn't called, and probably wouldn't. She rolled her eyes and pushed her cell to the other side of the counter.

"Your plan to show him the consequences of poor communication backfired on you, didn't it?" she said between munches. "He's not suffering. You are."

If she'd asked him about the Thanksgiving Day dress code while he stood in her office, life would be simpler now. But, no, she had to punish him for the way God wired him.

She swirled her spoon through the cereal. Why did she always create trouble for herself? Maybe Jason wouldn't have dumped her if she were more refined and less headstrong. If she'd nurtured his ego more. How would she ever find another man like Jason?

Daddy had banked on Jason rescuing her from spinsterhood. She couldn't visit Mom and Daddy without him voicing how proud he'd be to call Jason his son-in-law. Now, jilting Jason was gone. Would she ever find her forever man? A man Daddy would be proud to have in the family? One who'd sweep her heart up to where the angels harmonized?

She loved Jason for his charm, but had the charismatic skunk ever taken her heart to heavenly heights?

She raised her spoon like a sword. "Forever Man, where are you?"

Hopefully, he'd show up someday, but for now, she needed to know what to pack for the holiday. She shouldn't have to beg information from Nick, when she didn't even want to go. Calling him would only encourage his substandard communications skills. But, giving him another opportunity to bring up the trip might be a fruitful alternative. She needed a strategy.

He ate lunch in the cafeteria with other actuarial types a half hour before she usually went to lunch. Tomorrow, she'd go down early, and when he dumped his flatware in the utensils bin, she'd happen to bump into him.

Was she twenty-nine going on thirteen? She slurped the milk from her bowl. But what a crafty twenty-nine-year-old teen she was. Her plan would work.

* * *

Nick laid out all the ingredients on the kitchen counter to create the perfect hamburger: grilled medium rare sirloin patty, cheddar cheese slice, dill pickles, Dijon mustard, ketchup, onion, lettuce, and tomato. The aroma of hickory seasoning lingered in the kitchen, making his mouth water.

His cell vibrated. He glanced at its screen, wedged the cell between his shoulder and jaw, and built his burger.

"Hi, Mom. What's up?"

"Is everything set for your trip Wednesday night?"

"Uh-huh," he said around a bite of his burger.

"Is Cisney still coming?"

"Why wouldn't she?" He licked ketchup from his fingers.

"I'm setting the table now, and I need to know whether to set a place for her."

"If she's changed her mind, I think she would have told me. That'd be the polite thing to do."

Strange, after only one week, Cisney hadn't seemed depressed today over losing her boyfriend. Short mourning period. But a good thing for him. With Dana bailing on him, he understood Cisney's pain, but four hours in the car with her lamenting her breakup would be torture — the half hour in her office last week had been bad enough.

"Why is Cisney all alone for Thanksgiving?"

"Her parents are visiting her brother's family in Germany." His family needn't know Cisney's ex-boyfriend had abandoned her.

"I'm so glad you invited her to join us."

Why would Mom be so glad? She'd better not be getting any ideas about Cisney being daughter-in-law material. Cisney wasn't.

The clink of china sounded.

"Why are you setting the table now? It's Monday."

"I always set the table on Monday night. I need Tuesday and Wednesday to make rolls, stuffing, gelatin salad, and so forth."

"You realize they sell rolls ready to bake at the grocery store, don't you?" He smiled, waiting for her expected retort.

"Did I hear you right, Mr. Gotta-Have-Mom's-Snowflake-Rolls?"

He laughed. "Just ribbing you. Won't the plates get dusty sitting out for three days?"

"Are you saying my house is dusty, young man? What's Cisney's last name?"

"Baldwin. Dust in the air is a constant."

"Let me write that down."

"You're going to be tested on home air quality?"

"I'm writing down her name, smarty-pants. I turn the glasses and plates facedown until Thursday. What kind of soft drinks does she like?"

"I don't know."

"You've never had a soft drink with her?" He pictured Mom's raised eyebrows accompanying her shocked tone.

"No." During their weekly meetings, he'd seen only fancy foam coffee cups on Cisney's desk. Several.

"I'm not going to ask why not. Please find out what soft drinks she likes and get back to me."

"Mom, before you hang up, I have a favor to ask."


"I have business to take care of Friday and Saturday in Charlotte for a couple of hours each day. Will you entertain Cisney while I'm gone?" He prepared to mouth her response.

"Business during Thanksgiving?"

"As much as I'd like to see you and Dad again the week after Thanksgiving, this saves me the drive." And if everything went as planned, he'd give his incompetent boss two weeks' notice on Monday.

"What kind of business takes people away from their families during holidays?" Her tone sounded like his, when at age twelve he'd let her know he didn't want to learn ballroom dancing.

After he narrowed his two options for his future down to one, he'd announce his intentions. For now though, he'd keep the nature of his business to himself. No use getting the family excited that he planned to move closer to home.

"The kind of business good for the futures of both parties," he said.

Mom would dislike Option A if she knew it involved working in the same actuarial firm as Dana. Option A offered the best mental challenge, but was potentially hazardous to his heart. Although Dana had been cordial, she'd made it clear her call about the job opening was strictly business. That was fine with him.

After she'd broken his heart, God's comfort, and hours reading his Bible, had put him back on his feet. That's where he planned to stay. If Friday's meeting with Dana, their first encounter since their breakup, proved he wasn't over her, Option B was a worthy backup.

"Of course we'll entertain Cisney." Mom sounded too cheery, as if she couldn't wait to have Cisney to herself. "Your sister and Allison will want to hit the Black Friday sales. She can join them. We'll think of something else for Saturday."

"Thanks, Mom. I knew I could count on you."

"Don't forget to ask Cisney about the soft drinks. We can't wait to meet her. Bye."

He jammed his cell into his pocket. Last week during his call with Mom to let her know Cisney was coming, he'd told her Cisney was a co-worker, not someone special. Now, her enthusiasm over Cisney's visit sent warning sensations up the back of his neck.

He bit into his burger. It suddenly tasted like an over-processed veggie patty.

Inviting Cisney home probably ranked up with Option A as one of his worst ideas, especially if it started Mom dreaming about gaining a daughter-in-law.

Cisney's face streaming with tears had touched a sympathetic chord inside him. And that was all.

* * *

Cisney entered the cafeteria.

Nick was sitting at a table by the window with two of his staff.

She turned in the direction of the tray-return station. Her scheme to bump into Nick at the utensil bin as a reminder he needed to tell her travel information was finally underway. Fair was fair. She gave up skiing with her friends. He needed to show her the courtesy of bringing up the trip. It was a matter of principle.

She moved into the alcove housing the swinging doors to the kitchen. With Nick's mind probably on actuarial matters, and not on his guest for the holiday, chances were good he wouldn't wonder what she was doing there, since she hadn't been through the food line yet.

When she peeked out of the recess, his table was in view. The trick was to time her exit to look as if she'd come from the elevators. That required angling to the far wall, and then making a quick U-turn. Making sure no one approached from the elevators, she executed a dry run. It would work.


Excerpted from Calculated Risk by Zoe M. McCarthy. Copyright © 2014 Zoe M. McCarthy. Excerpted by permission of Pelican Ventures, LLC.
All rights reserved. No part of this excerpt may be reproduced or reprinted without permission in writing from the publisher.
Excerpts are provided by Dial-A-Book Inc. solely for the personal use of visitors to this web site.

Customer Reviews

Most Helpful Customer Reviews

See All Customer Reviews

Calculated Risk 4.5 out of 5 based on 0 ratings. 10 reviews.
moohnshine More than 1 year ago
When I saw the cover on this book in Netgalley I knew I had to read it. It looked like it would be a fun and entertaining read. I can honestly say that it did not let me down. This book was awesome. It was such a heartfelt, funny book. A Rom-Com like the movie with Sandra Bullock “The Proposal”. In this story Cinsey Baldwin has just been dumped by her boyfriend over the phone. Yes! I said over the phone. What a jerk!! Well Cinsey is devastated and her co-worker Nick LeCrone invites her to spend the Thanksgiving Holiday with his family instead of alone crying. Cinsey accepts his invitation. I mean what is worse. Spending the holiday with strangers or home crying her eyes out. Nick is kicking himself. Why did he invite Cinsey to spend the holidays with his family? Because he doesn’t know how to deal with a crying lady. Ugggh could this be a mistake. He has stressed to his family that she is only a co-worker. But when a pearl ring is on the wrong finger rumors fly and things get worse for Nick. How will he let his mom down without breaking her heart. Cinsey shows her real side to his family and they are eating her up. Nick is kicking hisself harder. Why does she have to be so perfect? Why can’t she be the mess that she is at work? What does God have in store for him? I fell in love with the characters in this book. They were so down to earth and sweet. Cinsey is so full of life and she holds back her true self in order to please her father. Nick is sweet, caring fun and a believer. He is stuck in a group that hides his true self. He really comes alive around his family and shows his true nature. The story was wonderful and it flowed so smoothly. It is a page turner for sure. I could not put this book down. Just reading about Cinsey and Nicks adventure to self discovery is an amazing journey that you would not want to miss. I highly recommend this book to all you romantics out there. *ARC provided by Netgalley and Pelican Books
LittleMissBookmark More than 1 year ago
When I first picked this book up, I had no idea that it was a Christian romance novel. Not that this genre is a bad but I just prefer to not read them. I enjoy a well placed f-word and based on the previous Christian romance books that I've read in the past, they are just very slow paced and everyone is sugary sweet and almost unrealistic. Unfortunately, that's what I found with this one as well. The characters were ... okay. I didn't find myself drawn to either character because I wasn't interested in them at all. They had these emotions about breakups that should have endeared Cisney and Nick to me but it didn't happen. I think it may have been because the conversations were dull and honestly, the characters were dull as well. I was just plain bored after the first chapter or so. There were these weird things that would happen ... this thing with the post-its ... Cisney would write basically every thought that she had, on a post-it. Nothing wrong with that and it doesn't seem weird to me ... I do it all the time. But the way this author wrote about her habit, she made it sound like Cisney was hiding dead cats in her bathtub and then reading them a bedtime story at night. McCarthy made Cisney sound like a weirdo for writing on pieces of paper. I totally didn't get that. I don't want to give anything away but in the beginning, Cisney is talking to someone about this piano and someone refers to the piano as "The Old Girl" and Cisney thinks that it's crass for them to call a piano that name. I guess it's just me but I don't see how calling an inanimate object The Old Girl is being insensitive. OR irreverent. If someone runs into the middle of a church service and starts heckling the pastor, THAT would be irreverent. I mean ... I guess you could say that the nickname is irreverent if you worship the piano or something ... I don't know. It was just weird. I didn't get those two things and that is where I started to pull away from the book. The rest of the novel was uneventful. The characters within the book are perfect - particularly Nick's family - and it made for a very bland read. Something was just missing and it was a healthy dose of umph. You know, the stuff that makes you think back on a book and be like, "WOW! THAT CHANGED MY LIFE". Unfortunately, this didn't change anything except my views on Christian romance novels ... I'll not be reading another one. Ever. I just need a tad bit more excitement to keep me interested, I guess. * I received this novel in exchange for an honest review *
weluvdopey More than 1 year ago
This is a great book with a wonderful story and well developed characters. This book will keep you reading long into the night. This was such a great read and full of surprises. I am looking forward to reading the next book by this great author. A Review copy was provided to me in exchange for a fair and honest review. The free book held no determination on my personal review.
Anonymous More than 1 year ago
I really enjoyed this book. Cisney and Nick were so different, but they really complement each other in that their weaknesses were the other person's strengths. And deep down, they had a lot in common that you wouldn't expect: their faith, their love of family, etc. It wad fun to see them get to know each other better and realize their feelings. I hope this author will write another story about Nick's family. I'd like to see Allison, Tony, and Nancy find their happily ever after.
TS1 More than 1 year ago
Zoe M. McCarthy weaves a light, heart warming read in Calculated Risk. Cisney has recently been dumped by a man who has her father's approval. Her coworker, Nick, invites her to his family's house for the Thanksgiving holiday. Over the holiday, both realize the folly of judging a book by its cover and the dangers of assumption. As Cisney's faith grows, her judgement improves and her self-awareness comes into play. I look forward to reading more from Ms. McCarthy.
GingerS219 More than 1 year ago
I loved this book. From the beginning, I wanted to see how Nick and Cisney(love this name) got together. The end of the story made me smile. It was well-written, funny, touching, and heart-warming, all wrapped in a charming story. I enjoyed it immensely. The above books were given to me by the author/publisher in exchange for an honest review.
BeachLamb More than 1 year ago
Make a bowl of popcorn before you open the first page of Calculated Risk. Zoe M. McCarthy does not waste words. She draws you through the book as though you were watching a movie and delivers what the picture on the cover promises. Humor and romance. And something more as her main character learns to look to God in all her relationships.
Anonymous More than 1 year ago
Fun read!  As someone who works with actuaries, there were a lot of laughs.  Would definitely recommend, loved how it read like my new favorite Hallmark holiday movie.
Anonymous More than 1 year ago
Pull up a comfortable chair and a tall glass of iced tea, because once you pick up this fun read you won't want to put it down. The characters are unique and the dialogue sparkles.
mustlovetoread More than 1 year ago
What happens when your future isn’t what you thought it would be? Can the sticky note queen be worth the risk of falling in love? These characters felt like family members. I didn’t want to leave them at the end of the story. Looking forward to many more books by Zoe McCarthy! Cisney Baldwin and Nick LeCrone work together. She is a marketing rep who loves her sticky notes and he is an actuary who loves his numbers. When Cisney’s boyfriend jilts her right before Thanksgiving, Nick invites her to his family’s house for the long weekend. Sparks start flying. Cisney suspects Nick has a problem communicating. She thinks he needs remedial communication classes. Shouldn’t he know how to handle conversations? Nick thinks Cisney should ask questions instead of waiting for him to tell her. She has the outlook of a fairy princess. Can these two get past their hurdles and find true love? Don’t miss this book to find out! Nick gets upset when Cisney impresses his family. Why would he? She’s not his girlfriend. He just invited her when her plans with her boyfriend fell through. But will his matchmaking family push them farther away? Can they get past what they think they know about each other? Who comforts us in all our troubles, so that we can comfort those in any trouble with the comfort we ourselves have received from God. God gives us the scriptures we need to help others. We just have to listen. Cisney and Nick must learn to trust God; he’s always on your side. Memorable characters, engaging plot, and great romance kept me turning the pages to finish this story. I laughed at Cisney and Nick’s assumptions, and cried when things didn’t go as planned. For a book to get lost in, pick this one up today!