Calculated Risk

Desperate. Destitute. But no longer alone.She's stayed hidden for six years. What harm could it do to attend her best friend's wedding miles away from home? But the handsome actuary is the last person she expected to find on the dance floor.He knows who she is and the encounter causes an unwelcome reality check. She must protect her son. Emma made a promise, to hide and stay hidden. From him.But the old chemistry is still there. Just his smile is enough to plunge her back into confusion. So, she does the thing that worked last time. She runs.The journey home to her dismal house in the poorest sector of the city is fraught with danger. Even the taxi driver is too afraid to venture onto the housing estate. Emma is now trapped in a prison of her own making, fearful of a knock on the front door.She knows it's coming. She knows he's coming.This time, she has nowhere left to run. And the one who helped her last time is no longer taking her calls.Readers say, "This was impossible to put down."Continue reading with the other novels in this series;The Actuary's WifeThe Actuary in Trouble The first time K T Bowes won a writing competition she was six and the sound of the applause as she went up on stage stayed with her for at least half an hour. Then when they presented her with a Jaffa biscuit as a prize the shine wore off and she palmed it off on her baby sister after school. She wrote in her teenage years because the local paper paid money to kids for stories and she subsidised her role as sales assistant in a chip shop with her writing. Married with four children, her work history includes a variety of roles from law enforcement officer to chief pot and bottle washer in a hospital. She gained a drawer full of diplomas and certificates over the years for her numerous jobs but the most unused one was an honours degree in English.Eleven years ago after getting on a plane with a rucksack, a suitcase and a one way ticket to New Zealand with her family, K T Bowes dusted off her degree certificate and began to write again.Seven years later and she'd produced three novels which were published first on the book site which must not be named here. A few years on and she's an international best seller with nineteen books published under the Hakarimata Press label and available in most online retailers.K T Bowes is still in New Zealand and still married, but the four children she crossed the world with have all grown up and started doing incredible things of their own. Now in their twenties, they all seem to be stuck in the tertiary system as eternal students but one day they might find their way out - although they aren't currently looking for the exit. She visits them there regularly and sends food parcels and money.She used to horse ride but kept falling off and breaking bones so now stays almost safely on the treadmill - almost safely because she has fallen off that too. Her constant writing companion is a ginger cat called Nahla who sleeps in her desk drawer and follows her everywhere, begging for her picture to go on Twitter. This series follows the romance of Rohan Andreyev and Emma Harrington. Rohan is a Russian working as an actuary in espionage circles and Emma has been snatched from the jaws of poverty, ending up in the small English town of Market Harborough. Their lives are complicated and fraught with danger, passion and comedy.

Desperate. Destitute. But no longer alone. She's stayed hidden for six years. What harm could it do to attend her best friend's wedding miles away from home? But the handsome actuary is the last person she expected to find on the dance floor. He knows who she is and the encounter causes an unwelcome reality check. She must protect her son. Emma made a promise, to hide and stay hidden. From him. But the old chemistry is still there. Just his smile is enough to plunge her back into confusion. So, she does the thing that worked last time. She runs. The journey home to her dismal house in the poorest sector of the city is fraught with danger. Even the taxi driver is too afraid to venture onto the housing estate. Emma is now trapped in a prison of her own making, fearful of a knock on the front door. She knows it's coming. She knows he's coming. This time, she has nowhere left to run. And the one who helped her last time is no longer taking her calls. Readers say, "This was impossible to put down."There are 4 books in this series.

Emma Andreyev assumed her husband would give up his unpredictable role as the Actuary when they reestablished their marriage. That was her first mistake.Thriving on risk, Rohan misses the signs of danger closer to home and puts his relationships in peril. Ever present is Christopher Dolan who offers Emma friendship despite his reputation as fickle and untrustworthy. About to make her second mistake, who should Emma trust; the serious, logical Russian or the Irish seducer?Struggling to build a new life in the sleepy town of Market Harborough, Emma finds solidarity in the strangest of places and loyalty where she least expects it. Her work as the archivist at a local school unearths a deadly historical nightmare, leading to hurried bargains, bloodshed and the death of a family member.Her biggest mistake is believing that truth should always be revealed. Sometimes, family is more important. The notion of man-made truth is subjective and circumstance forces Emma to hold her past up to the light - and watch it crumble. The first time K T Bowes won a writing competition she was six and the sound of the applause as she went up on stage stayed with her for at least half an hour. Then when they presented her with a Jaffa biscuit as a prize the shine wore off and she palmed it off on her baby sister after school. She wrote in her teenage years because the local paper paid money to kids for stories and she subsidised her role as sales assistant in a chip shop with her writing. Married with four children, her work history includes a variety of roles from law enforcement officer to chief pot and bottle washer in a hospital. She gained a drawer full of diplomas and certificates over the years for her numerous jobs but the most unused one was an honours degree in English.Eleven years ago after getting on a plane with a rucksack, a suitcase and a one way ticket to New Zealand with her family, K T Bowes dusted off her degree certificate and began to write again.Seven years later and she'd produced three novels which were published first on the book site which must not be named here. A few years on and she's an international best seller with nineteen books published under the Hakarimata Press label and available in most online retailers.K T Bowes is still in New Zealand and still married, but the four children she crossed the world with have all grown up and started doing incredible things of their own. Now in their twenties, they all seem to be stuck in the tertiary system as eternal students but one day they might find their way out - although they aren't currently looking for the exit. She visits them there regularly and sends food parcels and money.She used to horse ride but kept falling off and breaking bones so now stays almost safely on the treadmill - almost safely because she has fallen off that too. Her constant writing companion is a ginger cat called Nahla who sleeps in her desk drawer and follows her everywhere, begging for her picture to go on Twitter. This series follows the romance of Rohan Andreyev and Emma Harrington. Rohan is a Russian working as an actuary in espionage circles and Emma has been snatched from the jaws of poverty, ending up in the small English town of Market Harborough. Their lives are complicated and fraught with danger, passion and comedy.

Recovering from the devastation of Rohan's last job as The Actuary, Emma Andreyev tries to settle into life as lady of the manor in the small English town of Market Harborough. But as her husband retires his alter ego and promises to become a respectable businessman, trouble descends from too many quarters to be pure coincidence.In his rightful place at the centre of the drama is the handsome and divisive Irishman who has Emma's affections firmly in his sights and Freda, the geriatric sleuth with the wrinkly stockings and wicked sense of humour.Who bribed a friend to betray the Andreyevs and why?And how can a six-year-old know so much of what goes on in the house when Emma is clueless? The answer is simple; he's his father's son. The first time K T Bowes won a writing competition she was six and the sound of the applause as she went up on stage stayed with her for at least half an hour. Then when they presented her with a Jaffa biscuit as a prize the shine wore off and she palmed it off on her baby sister after school. She wrote in her teenage years because the local paper paid money to kids for stories and she subsidised her role as sales assistant in a chip shop with her writing. Married with four children, her work history includes a variety of roles from law enforcement officer to chief pot and bottle washer in a hospital. She gained a drawer full of diplomas and certificates over the years for her numerous jobs but the most unused one was an honours degree in English.Eleven years ago after getting on a plane with a rucksack, a suitcase and a one way ticket to New Zealand with her family, K T Bowes dusted off her degree certificate and began to write again.Seven years later and she'd produced three novels which were published first on the book site which must not be named here. A few years on and she's an international best seller with nineteen books published under the Hakarimata Press label and available in most online retailers.K T Bowes is still in New Zealand and still married, but the four children she crossed the world with have all grown up and started doing incredible things of their own. Now in their twenties, they all seem to be stuck in the tertiary system as eternal students but one day they might find their way out - although they aren't currently looking for the exit. She visits them there regularly and sends food parcels and money.She used to horse ride but kept falling off and breaking bones so now stays almost safely on the treadmill - almost safely because she has fallen off that too. Her constant writing companion is a ginger cat called Nahla who sleeps in her desk drawer and follows her everywhere, begging for her picture to go on Twitter. This series follows the romance of Rohan Andreyev and Emma Harrington. Rohan is a Russian working as an actuary in espionage circles and Emma has been snatched from the jaws of poverty, ending up in the small English town of Market Harborough. Their lives are complicated and fraught with danger, passion and comedy.

His job is to neutralise risk. Hers is to turn a blind eye. But the stakes are too high this time. She needs to get to this risk first. And hide it.After a terrible few months and the collapse of her world, Emma Andreyev is trying.She's trying to reinvent herself, trying to recover, trying to pretend she isn't devastated.Yet when an acquaintance sends a plea for help, she can't ignore him. He's calling in a debt and she needs to pay. But it's messy, complex, and requires secrecy and deceit, the two things which ruined her marriage to Rohan the first time.When the Actuary accepts a government contract to capture a hacker, he has no idea his competition this time is his wife. The first time K T Bowes won a writing competition she was six and the sound of the applause as she went up on stage stayed with her for at least half an hour. Then when they presented her with a Jaffa biscuit as a prize the shine wore off and she palmed it off on her baby sister after school. She wrote in her teenage years because the local paper paid money to kids for stories and she subsidised her role as sales assistant in a chip shop with her writing. Married with four children, her work history includes a variety of roles from law enforcement officer to chief pot and bottle washer in a hospital. She gained a drawer full of diplomas and certificates over the years for her numerous jobs but the most unused one was an honours degree in English.Eleven years ago after getting on a plane with a rucksack, a suitcase and a one way ticket to New Zealand with her family, K T Bowes dusted off her degree certificate and began to write again.Seven years later and she'd produced three novels which were published first on the book site which must not be named here. A few years on and she's an international best seller with nineteen books published under the Hakarimata Press label and available in most online retailers.K T Bowes is still in New Zealand and still married, but the four children she crossed the world with have all grown up and started doing incredible things of their own. Now in their twenties, they all seem to be stuck in the tertiary system as eternal students but one day they might find their way out - although they aren't currently looking for the exit. She visits them there regularly and sends food parcels and money.She used to horse ride but kept falling off and breaking bones so now stays almost safely on the treadmill - almost safely because she has fallen off that too. Her constant writing companion is a ginger cat called Nahla who sleeps in her desk drawer and follows her everywhere, begging for her picture to go on Twitter. This series follows the romance of Rohan Andreyev and Emma Harrington. Rohan is a Russian working as an actuary in espionage circles and Emma has been snatched from the jaws of poverty, ending up in the small English town of Market Harborough. Their lives are complicated and fraught with danger, passion and comedy.