Subject: re: mortgage payments
Date: Tue, 8 Oct 2002 13:23:19 EDT
From: JJohnstonSmyth@aol.com
To: george.salzman@umb.edu
CC: boysen@atlanticframe.com, emr@javanet.com

Dear George,

A check for $913.50 (reflecting the September and October mortgage 
payments with the late-fee of 3% interest on each, as you requested) will 
go in the mail to your bank tomorrow.

I did not know until yesterday that the mortgage for September was not 
paid because of the financial hardships resulting from travel and missed 
work incurred by Boysen's mother's death. We both apologize, once 
again, for the late payment. We are doing our best to stay afloat on one 
income (one, by the way, that does not include bereavement time--hence, 
the difficulty of the last month for us).

In terms of your suggestion of building housing for several people on the
property, and making this a legal change to the conditions of our 
promissory note, we want to be as cooperative as possible but there are so 
many questions at this point (building codes, property insurance, property 
tax increase with additional structures, questions of legal liability in terms 
of Massachusetts landlord/tenant law, the digging of an additional well 
and septic system, the fact that because we are not sole owners Eric, Ted, 
and the two of us would have to be in total accord about any building 
proposals or change in the use of the land, et cetera) that it's really hard 
for us to make a firm commitment.

We do appreciate your continuing courtesy and patience. If you should get 
a chance to visit, the foliage is spectacular this year.

Very truly yours,

Jessamyn Smyth