By NANCY J. SEMON STAFF WRITER “Charlotte Sun Newspaper”
True Confessions and a Life Well Lived
Wasn’t it just yesterday when we made our New Year’s Resolutions? I know I put them around here somewhere in my start to the New Year promise to myself. Is it me, or did someone misplace January? That seems to be missing as well; however, my calendar says it’s going to be Valentine’s Day in a few days. Is it possible for me to get a do-over?I’m a firm believer that people are brought into your life to teach you life lessons. It could be struggles they overcame that have become a source of inspiration, while others have taught us not to take ourselves too seriously in a world where it seems division has become rampant. Two such people are Sidney Poitier and Betty White. Upon their recent passing, I was intrigued by the lives they led and how they seemed to touch the hearts of so many. Poitier had a certain refinement and broke many barriers in the entertainment world as a young black man from a very humble Bahamian childhood. While he rose to enjoy success garnering awards for his illustrious career as an actor, film director, and diplomat, his 2002 Honorary Academy Award recognizing his “remarkable accomplishments as an artist and human being” spoke volumes to me of a life well-lived.
NEW Flood Insurance Info
The new FEMA flood changes are on everyone’s mind these day, as the increases went into effect on October 1, 2021. Instead of relying on “flood zones” as a determination of your flood exposure, the new system is referred to as “Rating 2.0,” which is a single risk modeling system that takes into consideration area and proximity to harbor, replacement coverage, frame vs. block construction along with slab vs. pilings. Also considered is prior flood loss. Banks may use flood zones, but insurance companies are going by the new rating system. So what does all of this mean you ask? Well, if you have an existing flood policy your flood insurance will increase approximately 18% per year until you reach the figure FEMA has established as the target figure for your property. If you don’t have flood insurance then you will be subject to the new valuations FEMA has established. When buying a home it is important to find out in the beginning of your negotiations if the current seller is carrying flood insurance, as this will impact your investment in the home significantly. To give you a better understanding of the difference in buying a home where the seller is carrying flood insurance verses one where they aren’t, recently we had a buyer purchasing a home on a gulf access canal. They were quoted $6,700.00 to obtain flood insurance for the home. Thankfully, the seller’s insurance carrier said their policy could be assumed, which saved our buyer a significant amount of money as the seller was paying $1,080.00 for flood insurance. It is important to find out up front when negotiating the purchase of a home if the current homeowner is carrying flood insurance and if the policy can be assumed.What questions should I be asking when I am looking to hire a real estate agent?
A Secret Service Agent Looks Back at 9-11
I have always found just as much enjoyment in recognizing the achievements and accomplishments of others as those of my own. I also consider myself rich with friends, many who have gone on to achieve the highest levels of success in their chosen fields. Some are physicians, others have been politicians or sportswriters and then there are those whose service was perhaps even more impactful, but remained anonymous to most. One such person is my long-time friend Jim Napolitano, known by his close friends as “Nappi.”
It was years after moving back to New York from Texas our lives reconnected through a “mutual friend.” My wife and I had a special events company at the time that catered to many well-known politicians and high profile clients and one such client asked us to handle the event for her daughter’s wedding at their mansion on Long Island’s north shore, also known in many of author Nelson DeMille’s books as “The Gold Coast.” President George H.W. Bush was supposed to be in attendance and wasn’t able to be present so he sent his son Neil to represent the family. While setting up one of the arrangements on the home’s grand staircase Neil Bush walked over and introduced himself to me while complimenting us on the work we were doing. I then asked him if he was from Houston and shared with him that I thought we had a mutual friend in common, Jim Napolitano, who at this time was part of the team protecting the Bush family. To my surprise, Neil Bush said to me, “You know Nappi?” Before I knew it I was sitting on the staircase with Neil Bush and the Secret Service agents sharing stories of my summer escapades with Nappi.
Years passed and during that time Jim went through the ranks with the Secret Service starting as a Criminal Investigator, where he was moved through different squads for exceeding quotas of arrests and closed cases, and then to the “West African Task Force” where his responsibility was to thwart and arrest Soviet-backed Nigerians who were fraudulently obtaining birth certificates and drivers licenses to obtain numerous credit cards to buy and sell merchandise illegally. However, this is just the tip of Jim’s illustrious career. “Agent Napolitano” was selected to work on a task force that investigated “The Supernote”, a far superior counterfeit note being used by Middle East terrorist organizations such as Hamas, Hezbollah, and Al Qaida, and was successful in helping standing up the Supernote Task Force that was comprised of the U.S. Secret Service, CIA, and DEA. He was the 160th agent to ever become part of the elite Counter Assault Team under the Presidential Protection Division, which included “training with the Tier 1 Special Operations Forces”. He was a Rescue Swimmer for Presidents George H.W. Bush 41, George W. Bush 43, and Bill Clinton and their families. He was only 1 of 42 agents to be a member of both the C.A.T. and Rescue Swimmer Teams. He went on to be an instructor in Control Tactics and Rescue Swimming, further becoming manager in Water Safety and Emergency Medicine, among other courses he directed for Special Agents.
As if this isn’t an impressive enough background during his 23 years as a Secret Service Special Agent, Jim has protected three Presidents and their families and was personally instructed by President Reagan to make sure he and his team provided the utmost protection for Presidential Candidate Reverend Jessie Jackson. Since retiring from the Secret Service, Jim was Security Representative for Marathon Oil, traveling throughout the Middle East safeguarding the employees and their assets. In June of 2013 he took his vast array of skill sets and went on to become Chief of Police for the City of Montgomery, Texas for six years.
Recalling the events of 9-11, Jim shared with me that at that time he was the Resident Agent in charge of the Waco Resident Office. Jim was responsible for security around the President’s Crawford Ranch which was known as the “Western White House.” He was responsible for “hundreds of agents, arranging staff, military assets and other governmental entities,” according to an article written in the Montgomery County (Texas) newspaper “Golden Hammer.”
“I was at Baylor University’s Rec Center,” Jim recalled, “when I saw the second plane hit the World Trade Center and immediately changed into my battle dress uniform…I called the ranch and there was no answer on any of the lines which was highly unusual and increased our level of high alert….I was able to get in touch with the Major in charge of the DPS regional office in Waco and requested as many troopers he could spare. Two agents and several Texas State Troopers raced to the ranch….Upon arrival two agents who were allowing various construction trucks entry into the ranch for ongoing work being performed told us how the construction crews had accidentally cut the power to the ranch and it was currently being reconnected.” In the meantime, Jim had been in contact with the team and President Bush, who had been in Sarasota reading to second-grade school children and upon being briefed of the attack, had been immediately rushed onto Airforce One. Jim recalls hearing the President expressing his frustration that he wanted to get back to Washington D.C., not circling for hours in Air Force One out of harm’s way. While President Bush and Airforce One were on high alert, Jim was equally frustrated and wanted to head to the areas of attack, but headquarters and the FAA said they were expecting “inbound (flights) coming to the ranch.” With the World Trade Center and the Pentagon on fire, and Flight 93 supposedly headed for Camp David before turning into a different location, Washington and Waco both weren’t options for the President to land. I remember calling Jim that day and asking if they were safe, and him saying, “Gary, I can’t stay on the phone we’re expecting incoming.”
Firefighter Tim Brown in the meantime was able to make it to the Command Post when the south tower fell and fortunately, he and the Command Structure were able to escape. Upon hearing this story, I couldn’t help but think how some people run from adversity while others like Jim and his family run to preserve the lives of others.
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While most people would like to talk about themselves, Gary and Gail have always put their clients first, and their diverse backgrounds have provided their clients an unparalleled level of service and knowledge throughout the past years.