Life after the Lottery Ch. 58

"Will your wife be okay with you and I traveling together?" Lori asked, looking at me.

"Lori, are you okay with just the two of us traveling together?" I asked.

"Oh, sure."

"I will find out what Sam needs before we go so that we can tell them about running wires. That's enough for today."

Lori and I walked out to the den and could hear Samantha and Amy in the kitchen telling Dawn about the surgery. I walked Lori to the kitchen.

"Sounds like you two had a good day," I said.

"Oh, we did," they said, turning around. "Hi, Lori."

"James, would you fix them some wine so I can get dinner cooked," Dawn said, now wearing clothes.

I got Lori, Samantha, and Amy, a glass of wine and took them to the den. Samantha started telling Lori about everything she had seen today. I left all of them and went to the kitchen.

"They are wound up," I said as I grabbed a soda.

"Tell me about it. They have been going since 3:45," Dawn said.

"Lori asked me if you were okay with just the two of us traveling together."

"I'm more worried about her," Dawn said. "When are you planning on traveling and where?"

"Missouri and California. I am looking at the last two weekends of next month, depending on school," I told Dawn.

"You better go and find out when your classes are."

"I will."

"Fix me a glass of wine," Dawn asked.

I poured Dawn a glass of wine and went back to rescue Lori.

"When do you two start school?" I asked.

"Week after next, why?" Samantha asked.

"I just wanted to know. I have got to go to the school and find out when my classes are."

"Dr. John has two surgeries for us tomorrow. He is doing two breast implants," Amy said.

"Are you learning anything?" I asked.

They said yes.

"After dinner, would you two like to look at some limo ideas?"

"Sure!"

"Lori and I have picked out two places that manufacturer limos. She is going to get them bidding against each other, so we get the best prices."

"Are you two still going to check them out?" Amy asked.

"We hope to next month." Amy and Samantha smiled at me.

"Lori is staying for dinner, so you two go and get out of the scrubs."

They jumped up and headed up the stairs.

"They seem excited," Lori said.

"Dawn got them in to watch a surgery, it always gets them wound up."

"James, I know they are sisters, but, how do you and Dawn know them?"

"They have become very close friends of ours. They live here, and we are paying for them to go to school."

"I see."

"The two of them are part owners in the store, but not the limo business."

"How is the store project coming?" Lori asked.

"We are moving along. The other two ladies that work for me will start traveling in October to buy everything they need."

"Are you going with them?"

"No, this is entirely their project. I need to pay you for this week. After this week, I hope we have a payroll service. This week will be off the books."

"I can get it Friday."

"Let me do it tonight because we are all leaving Friday."

"Okay. Working part-time, I was making about $400 a week," Lori told me.

"I will be paying you for full-time work, so decide how much that would be, Lori."

"You don't have to do that. I'm still going to school."

"Just decide how much you plan on being paid a year to run the limo business. You also need to be thinking about someone to help you at night."

"Who?"

"I'm sure you can pick several of the other drivers to help you. That is up to you, you are in charge now," I told her.

"Okay."

"Lori, I also need you to work up some preliminary numbers on how many hours we would need to start booking in February and beyond to be profitable. Also, work up a preliminary marketing budget. Concentrate on how we can take all the business away from the other companies in the area."

"I will need to get some numbers from you," Lori said.

"Just tell me what you need."

"Lori, I hope you like stir-fry chicken," Dawn said, walking over.

"That's fine."

"Lori, do you have a car?" I asked.

"Yes, my dad got me one."

Amy came back down the stairs wearing shorts and a shirt. She sat on the sofa next to me.

"Lori, James said you were finishing up your MBA?" Amy asked.

"Finally. I will finish this fall."

"I'm going back to school this fall to get my MSN in Advanced Nursing."

"How long does that take?"

"About two years."

"Amy, would you help me in the kitchen," Dawn said.

Lori and I talked a few more minutes before Samantha came down and sat next to me.

"Have you two decided on all of the limos yet?" Samantha asked.

"We have a list. We are going to visit two companies that manufacturer limos and give them the list and get some ideas," I told her.

"When are you going to see them?"

"I am looking at the last two weekends in September."

"Can I come?" Samantha asked.

"I don't think so. You will be busy with school."

"Rats!"

"But, we have brochures and pictures in my study if you want to look."

"Sure!"

I got up and took Samantha to my study, and we took all the literature out to the den. That kept Samantha busy until dinner was ready.

We all went to the dining room to eat.

"Lori, are you going to be working out of the house also?" Amy asked.

"I think I can do everything from my apartment."

"She will be working from home until we get the building set up," I said.

"James, the place in Missouri, said they could have all of the limos by mid-January. I think they stock more already built," Lori said.

"What about the place in California?" I asked.

"They said 1st of February was doable."

"We will have to factor that into our final decision."

"When are we going to the bank?" Lori asked.

"How about Wednesday morning?" I asked.

"That will be good."

"I'll call the man there and let him know. Can you meet me there about 9:00?"

"Sure."

We all talked and ate until about 7:30. After that, Lori left.

"James, does Lori get the same benefits that Sherri and Brenda do?" Samantha asked me while I was helping clean up.

"I think we better hold off on that for now."

"She's cute."

After we had everything cleaned up, Dawn and I sat and listened to Amy and Samantha until they ran out of gas about 9:00. They went to bed because they had to get up early again.

"I heard Sam ask you about Lori," Dawn said.

"They need to be careful around her. I haven't decided about her yet."

"Why not, she is cute."

"Let's wait."

"Brenda didn't want to wait today," Dawn said.

"I didn't hear you tell her no."

"She is fun. I didn't hear you tell Sherri no either."

"Sherri likes to fuck," I said.

"Good."

Dawn got my pants open and my cock out and began kissing and licking it. Once she had me hard, she had me stand so she could pull my pants off. I sat back down, and she leaned over and sucked my cock into her mouth. By 10:00, I had filled her mouth full of cum.

"Come with me," Dawn said as she pulled me up and led me up to our bedroom.

We got undressed and into bed.

"My turn," Dawn said as she straddled my mouth.

I pulled her down and started slowly licking her pussy.

"Emmm, I may let you do that all night," Dawn said.

I slowly ran my tongue over her pussy lips until she was dripping, then Dawn lowered her pussy down to my mouth, and I slid my tongue inside of her.

"Ahhhh, nice and slow."

Dawn sat on my mouth while I worked my tongue inside of her until she came the first time.

"Ahhhhhh, I needed that."

Dawn laid on me and sucked my hard cock into her mouth again. We kept this up for a long time, and we both came again. Dawn sat up and turned around and looked down at me.

"You like fucking Sherri, don't you?" Dawn asked.

"She is a lot of fun."

"She may want to go again tomorrow."

"I do have to get some work done. They are going to be busy tomorrow, making travel arrangements."

Dawn moved and lay next to me.

*****

We slept until about 6:30 Tuesday morning before we woke up.

"Do you think they got out of here in time?" I asked Dawn.

"They better have. I'm not going to get them up every morning if they have a surgery."

"I'm sure they are enjoying watching."

"Emmmm, fix me some breakfast," Dawn said as she stretched like a sexy cat.

"I will fix you some breakfast if you will get up and get ready to go. I need to stop and see our insurance agent before we go to town to see Joseph."

I got up and left Dawn and went down and fixed us a nice breakfast. Dawn came down naked later.

"I told you to get ready," I teased her.

"Let me eat first!"

We ate, and I followed Dawn back to the bedroom.

"You put some clothes on," I told her and swatted her ass.

"I thought I would go like this?" Dawn said as I looked over her naked body.

"Get dressed!" I said and laughed at her.

I went to my closet and grabbed some pants and a polo shirt. When I came back out Dawn was slipping on a very sheer see-through white blouse with no bra. Then she slipped a short white tennis skirt over her naked ass. She looked at me as I watched.

"What? It's hot," she said.

"Yes, it is," I said, looking at her as she zipped up the skirt.

I could see Dawn's tits through the sheer material. I was going to tell her to put a bra on as I put my clothes on but changed my mind.

"Come on, sexy," I said.

I had heard Sherri and Brenda come in downstairs. We went down and stopped in the study.

"I like that blouse," Brenda said.

"We will be gone most of the day," I said.

We left and had to drive across town to see our insurance agent and sign some papers for the two cars. Dawn was right, it was hot, and only 9:00 and we had the A/C wide open in the Escalade. We got to the insurance agency and went into Bob's office. He looked at Dawn's tits through the thin material as she sat down in a chair across from him.

"Hey, Bob. Do you have everything ready for the two Mustangs?" I asked.

"Yes, I just need you to sign some things."

Dawn and I sat in two chairs while Bob went through some files for a minute. I looked over at Dawn, and the short skirt she had on had slid up to the top of her thighs. She saw me looking and smiled at me.

"James, the rates on the insurance for these two young ladies is going to be high on those two Mustangs," Bob said.

"I'm sure it will be, just work it all up for me."

Bob turned back to his desk and looked at me then glanced over at Dawn and looked down at her exposed legs.

"James, who are these two girls?" He asked as he looked.

"They are very close friends of ours that live with us now."

"How long have they lived with you two?"

"A year or so. They are both going to the university."

"James, I don't mean to be nosey, but do they just live with you while they are going to school?" Bob wanted to know.

"Bob, they live with us now and will for as long as they want," I said.

"I see."

"Bob, they are our wives," Dawn said.

"Your wives?" Bob asked, looking at Dawn curiously.

"As much as they can be. We consider them our wives because we love both of them and we all have sex all the time," Dawn said, looking at Bob.

Bob looked at Dawn for a moment then looked over at me.

"Well, I can't put them down as married to lower the rates," Bob said.

"I know. I'll just have to pay whatever it cost."

Bob looked back over at Dawn, and I saw him look down. I looked over at Dawn, and she had spread her legs some so Bob could look. Bob looked for a moment then went to work on the paperwork. He would look up every few minutes and glance between Dawn's legs or at her tits as he took his time.

"Bob? You're married, aren't you?" Dawn asked as he looked at her.

"Yes."

"Too bad," Dawn said as she looked at Bob smiling.

"Uh, oh...yes," Bob stuttered.

Bob worked a few more minutes as he kept looking at Dawn occasionally. I watched, and each time he looked up, Dawn spread her legs a little more. By the time he needed me to sign everything, he had a clear view of her bare pussy. I moved to his desk and signed everything, then wrote him a check.

"This is the temporary proof of insurance," Bob said, handing me some papers. "They will get the cards in the mail soon."

"Thanks, Bob."

Dawn and I stood, and Bob took a last look at Dawn's tits through the thin blouse. We went back to the hot SUV and left.

"Are you having fun this morning showing your body off?" I asked.

"I am. Stop and get some sodas or something," Dawn said.

We stopped at a drive-up and got some large iced teas and rolled up the windows and sat with the engine running and the air on.

"You look hot," I said.

"I am!"

"Not what I meant, honey."

Dawn unbuttoned the front of her thin white blouse. She pulled it open and ran the cup holding the ice tea over her naked breasts, pausing to make sure her nipples got hard and stuck out.

"Now, you look cooler."

Dawn sipped her tea and looked at me with a smile.

"What happened to Kerri coming yesterday?" I asked.

"She called and said something had come up. I told her we were in no hurry."

"What came up?" I asked.

"Her husband, I think."

"I would like her to get started on the study," I said.

"She said she has already found some of the furniture. The painting and the rest won't take long."

"Okay. Are you cooling off?"

"I want an ice cream cone."

I rolled down the window and ordered her a vanilla cone. The young lady appeared a few minutes later.

"Here you go," she said as she looked in at Dawn's tits hanging out.

"Thanks."

Dawn sat with her tits hanging out as she licked on her ice cream. I just turned and watched. Dawn could be the sexiest woman in the world when she ate sometimes, and she knew it. I watched as she ran her tongue slowly over the ice cream for a few minutes.

"So, how are our investments doing?" Dawn asked as she licked.

"Very well."

"Good."

Dawn didn't pay any attention to the money; I was the one that checked the statements each month. She had no idea how well Joseph had done with the original $100,000,000 I had given him to invest aggressively. We took the other $80,000,000 that was left after everything and put it in safe things like bonds to pay all the bills and give us plenty of money to spend each year.

"You about finished?" I asked as Dawn was finishing up.

"Yes, let me drop this in the trash, so it doesn't get all over the place."

Dawn opened the door and turned and slipped off the seat slowly and walked to the trashcan. A guy sitting in his pickup truck next to us watched Dawn every inch of the way. She climbed back in the SUV with her skirt pulled up and her top open as the guy watched her spread her legs and turn back in the seat.

"I'm ready," she said. I just shook my head.

"You are having fun this morning, aren't you," I said. All I got was a sexy smile back.

I drove us downtown to the financial building. I had to remind Dawn to button her blouse up before we got out of the truck. She buttoned it about halfway up. Her tanned skin always looked so good when she was wearing white. We went up the elevator from the garage to the lobby and then went up to the 30th floor. We walked into the big offices, and the receptionist stopped us.

"May I help you?"

"Dr. Smith, we are here to see Joseph."

"Yes, Dr. Smith, he is with a client right now, he will be right out."

Dawn and I sat in the lobby; we were a little early. A few older guys sitting around the waiting area were trying to sneak looks at Dawn. A few minutes later, I saw Joseph coming down the hall.

"Hey, you two, come on back! Susie, hold my calls, I will be a while."

We followed him to his big private office. When we sat he took a look at Dawn.

"Are you two doing well?" He asked.

"Yes, we are, you have been taking care of us very well," I replied.

Joseph pushed a sandwich he had been trying to eat to the side of his desk.

"That is what I want to talk to you about. We have been doing very well for over three years. I want to talk to you about some things and see what you would like to do."

"You know I trust you."

"I want to see if you want to make some changes in some of the investments. You know I have had a lot of it in some tech companies that survived the tech bubble, and they have been doing very well. We have had several that have made over 60% the whole time."

Dawn sat up and listened a little closer. Joseph kept glancing at her see-through top.

"Do you want to change some of that now?" I asked.

"I want to move some things around. I want to leave a lot in Apple and Google, but there are a few others I think it is time to move out of."

"Okay, I am sure you will find something to put it in that will do just as well."

"Your account has done well because of high growth in several techs, but we need to do something now. Several will still have very large growth, but I want to tell you what I would like to do. You know the real estate market is starting to slow down."

"Yes, I have been reading about it."

"I have been studying it a lot for the last year, or so, there are some things going on that we could take advantage of."

"I don't want to be buying up any real estate."

"Oh, no, not now! It is going to get a lot worse, your house and property will lose some value in the coming few years, but I don't think you are planning on selling that beautiful house. The market is going to take a big hit, that is why I called."

"We have no plans to. You haven't been out since we finished have you?" I asked.

"No, just that one time."

"You need to come see it," I told him. "You will have to bring your wife one evening for dinner."

"Listen, you are my biggest client, and I have a very good relationship with you because you have trusted me."

"We also have a special deal," I told him.

The deal I had with Joseph was that his commission was 5% of all the money we made, but if he lost money, he had to pay me 5% of the difference.

"Yes, and thank you."

"So, what do you want to do?" I asked.

"In about 8 to 12 months, the mortgage and housing market is going to take a very big hit. The banks and mortgage companies have been floating bad loans for years, and with the real estate market dropping it is all about to fall apart on them. There are mortgages companies that are going to get wiped out. There will be many big ones that may go bankrupt. I suspect there are a few large brokerage houses that will go bust because of their investments in these bad bundled mortgages."

"How can you make money on that?" I asked.

"Right now, they are propping up their books to keep their stock prices up. In 12 months or less, there are some big ones that I am sure their stock prices will be less than half of it is right now if not zero. James, do you know what shorting is?"

"Yes, do you want to short their stocks?"

"I want to short some of the major players and go long on puts on some of the smaller ones. Spreading it around shouldn't attract too much attention. There are plenty of companies that are going to get hit bad so that we can take advantage of a lot of them."

Joseph refreshed me on shorting and on long puts. It would let us bet the stock prices would go down, then collect the differences.

"Can you short brokerage houses?" I asked.

"They sell their stock on the market, just like any other company. There is one of the New York brokerages that has been accumulating these bundled mortgages and reselling them very heavily knowing they are bad. It is all going to blow up, and I suspect they will go bust. They have a lot of shares on the market because they are so big. We can short a lot of their shares and not attract too much attention."

"What do you want to do with them?" I asked.

"We can option their stock on a long put for 12 months. Right now, their stock is at $240 a share. They are propping up their books in a way that will kill them when it all goes to hell soon. We can buy long puts at $200 for about $18 a share."