Life after the Lottery Ch. 58

"Explain to me what happens when they go bust?"

"When they go bust, I think their stock will drop to nothing, especially below $25 a share. When that happens, you make $180 profit on each share. Does that sound good?" Joseph asked.

"Hell yes, but don't other people know this?"

"The public doesn't, and the other large brokers that are in bed with them are hyping everything to keep the stock prices up, hoping it will turn around soon. Stockbrokers always work to keep the price high. There will be parts of the country that will see 50% devaluations in houses that have been way overpriced and over mortgaged. Some of us in the business see what is going on and know that they are full of shit with their growth projections."

"And you think this is a safe thing?"

"Absolutely! I am putting a lot of my own money in this plan. I want to retire young!"

"So, what would you like to do first?" I asked.

"I want you to buy 1,000,000 puts for around $20,000,000 on the large brokerage. I will have to spread it around in smaller chunks, it will probably drive the price up to $20 or $22, but that is okay for a 12-month put."

"Joseph, if this works, you are talking about $180,000,000 in profit," I said.

"I know. We have to do this slowly, or it will backfire and attract attention. I am going to do some more naked shorts in chunks over the next few months. The market always thinks anyone doing naked shorts is a nut and doesn't have the money to do regular shorts. The long put options are easier, so we will use them on other brokerages and banks. I think you could see over a 500% percent return in two years or less. I will have to keep a very close eye on it so we can get out at the right time."

"Wait a minute," Dawn said. "That is more than we already have?"

"Yes, it will be," Joseph told her.

"I'm not sure we want to risk $20,000,000," Dawn said now that we had her attention.

"Is that all you are going to do?" I asked.

"Oh, no. When they go, there will be dozens of smaller mortgage and brokerage houses that will go under; I want to take some more that you have earned and short all of them plus some banks. This is going to be bad. The country will end up in a recession if not worse. You might as well take advantage of it, you two."

"How much more?" I asked.

"I was thinking at least $50,000,000 total. We could take that from what you have made in the last three years and leave the original $100,000,000 untouched and keep it in the stocks and the bonds. This will be over in two years or less."

"What about the tech stocks and the others?" I asked.

"I am expecting at least 30% growth over the next year or so in some. There are some municipal bonds you are only getting 4% off of right now. I would like to move to other areas. James, this is going to be so bad that there will be cities going bankrupt because they have invested in this mess."

"That bad?"

"Yes. But you two will have plenty of money," Joseph said with a smile.

"You like doing this, don't you Joseph," I said.

"Oh, yes. It is not hard to make money in the up-market, but it takes more skill to be brave and make a lot of money when it all goes bad."

"What a minute," Dawn said. "James, how much do we still have?"

"Joseph?"

"You have over $170,000,000 in your account right now, not counting the $80,000,000 bonds you live off of."

"What!?"

"Maybe you should read the statements sometimes," I told her.

"I don't believe you two!"

"Come here, Mrs. Smith," Joseph said.

Dawn got up and walked around behind his desk, and he pulled up our account on the computer. Dawn leaned over to look.

"Damn! I think I love you, Joseph!"

"I told you I would take care of you two. You have 70 million more than you deposited."

Joseph was looking at Dawn's tits through the thin material as she leaned over next to him to look at the computer screen. Joseph was a whiz kid and had come highly recommended. He was only about 40 but had a very great reputation and only handled large accounts. I had made him the deal on his commission to motivate him. Dawn looked over at Joseph as he looked at her tits. She turned and sat on the edge of his desk.

"Here you are working so hard for us and making us all this money, and we interrupted your lunch," Dawn said.

She sat on the edge of his desk and slid back.

"I think the least I can do is treat you to lunch."

Dawn pulled her skirt up to her stomach and spread her legs.

"Can I interest you in something to eat?" Dawn asked.

Joseph was blushing. Dawn had teased Joseph several times when we had been in his office before, once when his wife had been there.

"Oh my, it is tempting, but it wouldn't be an appropriate thing for me to do," Joseph said as he cautiously looked at Dawn's pussy.

"I think for $250,000,000, it would be very appropriate!" Dawn told him.

Dawn reached up and unbuttoned the rest of her blouse and pulled it open; Joseph looked her tits over.

"Joseph, what do you estimate the total in profit will be in 2 years?" I asked.

"150 to 200, at least."

"Million!?" Dawn asked.

"Yes."

"Joseph, if you check the fine print on our contract, you might see the benefits clause," I said.

"Are you serious?" He asked.

Dawn spread her legs further apart and held her tennis skirt up.

"Very serious," Dawn told him.

Joseph hesitated a bit then leaned forward and started licking Dawn's pussy. I watched as she took her fingers and spread her pussy lips apart so Joseph could lick her better. Dawn placed her hand on the back of Joseph's head and pulled him in tight. Joseph was really enjoying himself now.

Dawn let him lick and eat her for a long time before she placed her hands behind her and leaned back and lifted her legs up and put her feet on the desk. Joseph was driving his tongue deep into Dawn. She was moaning enough that I knew she was enjoying his attention a lot. Dawn took her time and let Joseph keep going. About 20 minutes later, she was pushing her pussy up into his mouth.

"Oh god, yes! Suck my clit more, Joseph!"

Joseph went to work for a few more minutes, then Dawn shook and had an orgasm. She didn't squirt all over Joseph, but she had a nice orgasm.

"You eat pussy as well as you make money!" Dawn said with a laugh.

Joseph sat up and with a big smile on his face.

"God, you are beautiful, Mrs. Smith."

"Dawn, please. You just ate my pussy."

Dawn lowered her legs and sat on his desk.

"Thanks," Joseph said.

"No, thank you. You really think you can turn the $50,000,000 into a 200?" Dawn asked.

"Yes, I can, or much more. In 2 years, we can convert everything to nice safe, tax-free bonds, and you will be set for life while the economy turns to shit for the next ten years!"

"Wow, that will be great if you can do it," Dawn said.

"Oh, I am sure I can do it. I'm betting $20,000,000 of my own money on this," Joseph said. "Plus, the 4 million in commission I made from you over the years. I may retire in two years."

"You seem very confident," Dawn said as she stood then moved and sat on Joseph's lap.

"I am. I have been watching all these banks and brokerages prop up these bad loans for years waiting for it all to go bad. Now the economy and market are moving against them. The entire thing is about eight months from going bad. About five months from now, others will start figuring it out and start doing what we are about to do, but we will already be in a position much cheaper."

"James, do you feel comfortable with him doing this?" Dawn asked. I wasn't sure if she meant the investments or her pussy.

"I do, I can't wait for him to do it. We will only be investing some of what we have made."

"Joseph, you have already made us a lot of money, I need to thank you for that," Dawn said, looking at him.

"You just did...Dawn."

"Oh, that was just for me. I still owe you," Dawn said as I watched.

I could tell Dawn had reached down between her legs and grabbed Joseph's cock while she sat in his lap. He looked up for a minute as she rubbed.

"Joseph, do you really think you can make us another 200 million?" Dawn asked.

"I think within 18 months, yes, easily. Then we reinvest it, so you don't pay taxes on it."

"You know Joseph, I think you can do it," Dawn said as she reached up and pulled her blouse off and let it fall to the floor.

I looked at Dawn and smiled as she sat in Joseph's lap with her naked tits in front of his face. Dawn reached up and rubbed her tits as he looked at them.

"That is a lot of money," Dawn said as she slid off of his lap and stood in front of him.

I watched Dawn bend over and grab Joseph's belt and begin to pull it open.

"Uhh...Mrs. Smith..."

"Dawn, Joseph."

Dawn pulled his belt open, and I watched as she unbuttoned his pants then unzipped them.

"I want to make sure you have the right encouragement to make us all that money," Dawn said as she fished his cock out.

"Dawn...really, this is not necessary."

"Oh, I think it is."

"Joseph, you will see that my wife can be very appreciative," I told him.

He looked up at me at the same time Dawn got down on her knees behind the desk.

"Oh, my!" Came from Joseph as Dawn slid her mouth over his cock as he looked down.

Joseph was looking down at the back of Dawn's head as she began sucking his cock. After a few minutes, he looked up at me, and I just smiled at him.

"Is this okay?" He asked, puzzled.

"Joseph, my wife is welcome to do what she likes. I would say that right now, she likes what you said."

"I..."

"Just let her do what she wants," I told him.

I could see the back of Dawn's head bobbing up and down from behind his desk as he watched her. She stopped a minute and told Joseph to stand up. Once he did, I watched as she went to work pulling his pants down. Dawn slid her mouth over his cock and sucked it for a while. I watched closely as my wife slid her mouth up and down our stockbroker's cock, deep throating him.

"Emmm, you have a nice big cock," I heard Dawn say as she lifted her head.

"My wife enjoys it," Joseph said.

"I bet she does. I would say a nice 8 inches or so."

"That's about right," Joseph replied.

Dawn went back to work; I watched as she deep throated his cock for about 15 minutes.

"Ohhh, Dawn that feels very good." I saw her head come up.

"Yes, you have a nice cock," Dawn said as she stood.

I watched as Dawn grabbed the zipper on the side of her skirt and slid it down. She let it drop to the floor. I looked at my gorgeous wife as she stood in front of Joseph naked.

"Now that you are nice and hard, I'm ready," Dawn said as she moved and sat on the edge of his desk.

"What do you mean?" Joseph asked.

Dawn slid back a little on his desk and lifted her legs up and put her feet on his desk and laid back and spread her legs.

"Are you serious?" He asked.

"Very," Dawn told him.

"Dr. Smith?"

"Go ahead."

"Seriously?"

"Joseph, I'm waiting," Dawn said.

Joseph looked at me, then looked at Dawn. He unbuttoned his shirt. He looked at me again then looked down at Dawn's pussy. He reached for his cock and moved forward as I watched. He started his cock into my wife and began to ease slowly into her dripping pussy.

"Oh, yes. All the way in," Dawn said.

I sat on the other side of the desk and watched as our broker slid his cock into my wife. He leaned all the way into Dawn as she moaned.

"Emmm, that's it Joseph, all the way inside of me."

"I don't believe this," he said as he reached for Dawn's tits. "God, you have a gorgeous body."

I watched Joseph as he worked his cock in Dawn while he played with her tits. After a while, he seemed to have forgotten I was watching and began to thrust harder into Dawn. I saw him squeezing her tits as he shoved his cock into Dawn for about 20 minutes.

"Oh, yes. Just like that," Dawn kept saying as he drove his cock into her over and over.

I reached into my pocket and got out my cell phone and stood and began to video what was happening. He kept fucking Dawn for about ten more minutes.

"Oh, Joseph, more! Fuck me! I'm going to come!"

He sped up as I recorded everything. Dawn thrust her hips up and came the first time. Joseph kept driving his cock into Dawn.

"Oh, yes! Keep going!" Dawn exclaimed.

Joseph grabbed Dawn's legs and worked harder for a few more minutes as Dawn moaned.

"I'm coming!!" Dawn yelled.

"Ahhh!" Came from Joseph.

The two of them moaned loudly as Dawn came and he shoved his cock in deep and filled her full of cum.

"Ahhhh! Yes!" Dawn exclaimed.

"Oh, god!" Came from Joseph.

Joseph held his cock inside of Dawn for a minute as he looked her over. I kept recording as he leaned over and sucked on one of her nipples for a minute for a few minutes.

"You are so fucking hot," he told Dawn. "I don't believe this," Joseph said as he slid his cock out of my wife.

"Oh, you can believe it," Dawn said as she pushed herself up.

Joseph was standing there looking at Dawn then at me.

"Damn, you are so hot," he told Dawn.

"Thank you."

"Can I?" Joseph asked as he retrieved his cell phone.

"Sure," Dawn told him.

Joseph stood and took several pictures of Dawn as she lay back across his desk with her legs spread.

Dawn slid off his desk and got on her knees and sucked his cock into her mouth and cleaned it off for a few minutes before she stood up.

"Hold on Dawn," Joseph said then opened a drawer.

He got out some paper towels and cleaned Dawn up.

"Thank you," Dawn said and bent over and picked up her skirt and blouse then walked over and sat in the chair next to me.

Joseph pulled his pants up and buttoned his shirt, then sat in his chair.

"I guess I should say thanks," he said.

"Don't mention it," Dawn said as she slipped her skirt over her shoes and stood and pulled it up.

"Dr. Smith, you were okay with that?" He asked.

"Sure, my wife gets to enjoy herself when she wants to."

"I hope your receptionist didn't hear me," Dawn said, slipping on her blouse and sitting down.

"Don't worry about her, she hears a lot."

"Let me guess, you do your wife in here occasionally?" I asked.

"She brings me lunch on Wednesdays."

"I had a feeling you two had been fooling around the last time I was here," I said.

"We had been."

"And your receptionist doesn't say anything?" Dawn asked as she buttoned her top.

"No, I pay her very well for her services."

"And those services include not mentioning you having sex with your wife at lunch?" I asked.

"Among other things."

"I see. I'm guessing your wife is very understanding," Dawn said as she leaned back in the chair.

"Yes, she is. My wife is a very understanding woman."

"How understanding?" I asked.

"I'm going to tell her about this and show her the pictures, so she believes me."

"She won't mind?" I asked.

"No. She knows I sometimes entertain some of my rich lady clients."

"Like this?" Dawn asked.

"Sometimes, but I usually take them out to dinner first." He said with a big smile.

"Then this?" Dawn asked.

"I work late sometimes," Joseph said with a big smile.

"Joseph, if your wife is so understanding about you taking care of some of your clients, how understanding are you...if she entertains?" I asked.

"Dr. Smith, I handle a lot of money for a lot of big clients. Most of them are older people, but some of them are around our age that has made it big or inherited a lot. I manage their money, so they don't blow it all. I will say that I have done better for you two than I have for most of them, but I do well."

"Are any of the wives appreciative?" I asked.

"A few, but they usually stop by without their husbands."

"But some don't?"

"I'll just say that my wife and I often entertain a few of the couples."

"I see. Maybe the two of you could entertain us one night," I said.

"I think we could do that," Joseph said with a big smile. "How about next Friday?"

"Honey, is that okay?" I asked.

"Sounds good. I'll call you when we get back and make plans," Dawn said. "Your wife won't be disappointed."

"I have a feeling she won't," he said. "Maybe this winter the all of us could fly down to our condo in the Bahamas for a long weekend."

"That sounds like fun," Dawn said.

"Joseph, I may want to take out some money from the original amount and put it in a trust, would you manage it and make sure it makes plenty of tax-free money?" I said.

"How much?"

"I am not sure yet, maybe 10 or 20 each for two trusts."

"I could put that in tax-free bonds and get at least 3% or 4% a year if you want to keep it safe, probably up to 7%."

"I'll let you know," I told him.

"I would spread it out over multiple tax-free bonds and maybe take some and put it where it would make some more."

"Anything else?" I asked.

"Just some papers to sign to move the money around."

He got the papers, and I signed them.

"I'll start putting our plan together so you can see it...why don't you come back Wednesday at lunchtime and I can let you look at things," Joseph said, smiling.

"I will do that. I would think I would need to look several things over!"

"Yes, you will! I will have things here you can look over," Joseph said with a big smile.

"Joseph, one question? What other services does your receptionist perform?" I asked.

"She entertains some of my rich single men and ladies."

"I hope you pay her well."

"I do."

"Does she entertain you often?"

"Occasionally."

"And your wife knows?"

"Oh, yes. Susie spends the weekend with us sometimes. My wife gets off on watching me fuck her."

"Do you get off watching her and your wife?" Dawn asked.

"I wish."

"You mean your wife is not into other women?"

"As I said, I wish," Joseph said.

"Never?" Dawn asked.

"Never," he said.

"I guess we better go, we have some things to do," I said.

Joseph stood and headed for the door.

"One more thing," I said. "When you and your wife entertain us next Friday, would Susie like to join us?"

"I can ask."

"I think it would be a good idea," Dawn said. "If Susie does some of your lady clients, you can watch her and me if you would like that."

"Really! I would like that!" Joseph said.

"Joseph, when we have guests for dinner parties on Fridays, we often have them stay for the weekend if they want to," I told him.

"I see. Let me talk to my wife and Susie."

"We have plenty of room. We often have guests staying at the house on weekends," Dawn told him.

We walked out and past his receptionist. She was a nice-looking blonde that appeared to be about thirty. She looked up at us and smiled. When we got back to the SUV, Dawn was giggling.

"I think you made his day," I said.

"I think I made his month! James, what trusts were you talking about?"

"Dawn, we have plenty of money, I want to put some money in trusts for Amy and Samantha, just in case something was to happen to us, we have already changed our will. How would you feel about that?"

"They are our family, I don't have a problem with it," Dawn said.

"Okay, I will take care of it. I think if I put about 10 million in each of their accounts, it would provide them with enough income they would be comfortable."

"That would work. When you come back Wednesday, do you think his wife will be here?"

"It sounded like it."

"You told him next Friday. I thought the police chief and his wife were coming next Friday?"

"They are, I hope."

"Do you have some plans then, James?"

"We'll see."

Dawn was quiet on the way back home. When I got her in the house, she took my hand.

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

"You didn't mind that did you?" She asked.

"Of course, not. You know I like to watch you."

Dawn unbuttoned her blouse and took it off then unzipped her skirt and let it fall to the floor.