Life after the Lottery Ch. 77

"You don't need to do that," Amelia said.

"Well...we sort of do. Since Amy and Samantha are in the same type of legal arrangement you may be in, the attorneys said it would be best, and we all thought it was only fair. Amy and Samantha are not part of this trust, and they will never receive earnings from it."

"Since...Deb and Pete have no children. What is left from them grows in the big trust to provide future trust for Brian and Angie's children. It will then be passed to their children, and so on. Deb and Pete, we are not sure how to make this fairer for you two. If you have any ideas, we are open to them."

"When Dawn and I are gone, it all changes but stays essentially the same. We will have trusts for endowments to the university and a few other things, but the bulk of our estate will move into the main trust, and then it gets more complicated."

"James...that sounds wonderful," Ann said.

"Just nobody gets divorced!" Dawn exclaimed, and we laughed nervously.

"The entire thing will be finalized after the end of the year once we see what our tax burden will be for this year, and it will be a lot," I said. "Once that is determined, nearly everything will go into trusts, and we will live off the earnings only."

"Son? What are the accountant's estimates of the final amount after taxes this year? If I may ask?"

"You can ask. We have no secrets. Right now...after all the current investments are cashed out and put into mainly tax-free bonds...all the trust combined...around $350,000,000 in investments and about $70,000,000 in cash initially."

"What? You did that well in the market this year?"

"Yes, we did, and that is less an estimated $100,000,000 in taxes for short-term capital gains at the end of the year. We are still working with the accountants to reduce the taxes. We still must pay the taxes on the money moved to your trust. Our broker is looking into a way to defer some of the taxes by reinvestment. But, since it's mostly going into tax free bonds, we will get killed unless he comes up with something. We also just got out of short calls on Goldman Sachs..."

"I thought they went bust?"

"Not completely, but I was holding over 1,000,000 long calls on them at $250."

"What did you get in at?"

"$95."

"What did you get out at?"

"$195."

"How many calls did you have?"

"Nearly 1.3 million."

"That is over 100 million in profit! What did it cost you to get into them?"

"They were so far out of the money, about $10,000,000. It was over 150 million when we sold them."

"Fuck! Is that in addition to the 350? What else did you make a killing on?"

"Yes. I had several million puts on various banks and investment houses. Those cashed out at over 270 million. We also held puts on a lot of smaller banks and mortgage firms. That cashed out at nearly $100,000,000."

"Most of that will go for taxes!"

"It was...but Joseph called when he heard the government and AIG were going to bail out Goldman. That gave us over 100 million to help with the taxes. I had to pay our broker a lot because of a deal we have."

"How much?"

"Ten percent."

"That's high."

"I have a special deal with him."

"I need to get in on some of this!"

"All the opportunities are gone now. You are getting something from it!"

"Still..."

"That is still a huge amount of money. Annual earnings will be well over $25,000,000 a year for now. Joseph said interest payments will be 7% or more for the next few years, and then they may go down because a recession is coming. He said regardless, it will all earn at least 6% or more for a long time. We will still hold a fair amount in cash reserves."

"Not too bad."

"We may also move more into your trust," Dawn said.

"Please don't," Mom said.

"It may have tax advantages," I said. "I am paying lawyers and accountants a lot of money this year."

"I bet you are!" Dad exclaimed.

"We do have the benefit of Linda's experts," Dawn said.

"Can you reinvest and put off some of the short-term gains?"

"That is an option. Linda has something in the works. I am leaving that to the experts. I have been told that the amount I can gift to each of you may go up next year. That is only $13,000 right now before you must pay taxes on it. They are also looking at some long-term capital investments to help differ taxes."

"Is the trust a gift?" Deb asked.

"Yes. We will pay taxes on the money going in, however...if they see the giftable amount will go up substantially next year...it would help. The giftable amount will be considered a payment against a future inheritance if things go right."

"What would that mean?"

"A big check!" I said and laughed.

"What?"

"If they change the giftable amount to something like $5,000,000, it would mean that we can give each you additional cash up to that amount once, and you would not pay taxes on it. That could be a benefit by allowing us to give you a large amount of cash, tax-free, that you could then invest on your own. Then you would just pay taxes on those earning."

"Why would you need to give us that much cash?" Brian asked.

"What if a day comes, Brian, that you may want to start your own law firm? That would take a lot of cash. Pete, you and Deb may decide to start your own business or buy the one he works at. This way, I can gift you, hopefully, a one-time cash amount, and I would not need to be an investor. Mom and Dad, Charlie and Ann, you can do whatever you want with it!"

"Maybe we will move to Hawaii!" Charlie exclaimed.

There was some more nervous laughter.

"That is why things are being held off for finalization until the end of the year, or maybe even next year. If what they think passes, I can gift a big amount to you, and then you can invest it until the day comes you want to do something with it. If you put 5 million in tax-free bonds, you could draw another $300,000 a year."

"Couldn't you just add it to the trust?" Brain asked.

"Wouldn't help you in the end. This would be a lot of money from us to all of you that is yours to do with as you please, on top of the trust. It you can will to someone. Don't worry about it yet. It's something they are proposing to help small business owners like farmers."

"Some time way down the road, how will the trust be divided up?" Dad asked.

"The main trust will never be divided up and paid out. As our children have children, the earnings payments will be further fractionalized by the number of the next generations. When Dawn and I are gone, our part of the earnings from the entire trust will begin to be reinvested, so it's not diluted too quickly. Maybe 200 years from now, everyone will only be getting a few thousand dollars a year! Depends on how fruitful our generations are!"

The laughter was better this time.

"How will your current future children be handled?" Ann asked.

"Amy and Samantha earn a substantial amount now from their own trust. They are reinvesting the bulk of it, except for the bikini investments!"

"Sorry, I haven't seen much from those investments yet!" Pete exclaimed.

"I know!" Dawn added.

"Hey! They will be worth more down the road!" Samantha said and laughed.

"Anyway, the children's trust will eventually be set. Payments will begin to be made from our trust into accounts for each child until they turn twenty-one. At that point, the estimates are that each child would have an account worth over $10,000,000 that would pay earnings to them directly. But all that is still in the works. Our goal is that each successive generation will have a trust built for them until they turn twenty-one. Provisions would also be made for college, but the amounts will obviously reduce each generation. The attorneys are working with us so that at some point if the dilution is so low, it will just be paid out to all the survivors."

"It's pretty damn complicated," Dawn said.

"I am sure it is," Charlie added.

"So, sis, you better get pregnant!" I exclaimed.

"No way!"

"Deb, you are only 14 months older than I am," Dawn said.

"Right!"

We all talked more until everyone seemed to be satisfied with what we told them.

We all went to bed early since we were getting up early to go back out on Leah's boat.

*****

We were up early Thursday. Lieke and Kalea had made us a big breakfast. Once we ate and had everything ready to go, we split up between the Escalades and the Jeep. Linda didn't want to take the Lamborghini because it might attract attention.

When we pulled up to the dive shop, we saw Stan and Jeanine's Ferrari. Lucas was rolling a cart with tanks toward the boat. Once we were out, we went into the dive shop so everyone else could get their rental gear. Linda had on a big hat, big sunglasses, and a long wrap over her bikini. She didn't want anyone to recognize her.

"No one will recognize you," I said as I walked in with her.

"I hope not."

"Why do you care anymore?"

"I'm working on it..."

We helped everyone get their gear and headed toward the boat. I was the last one on the boat and helped Lucas untie it boat, and we pulled away.

"Hey, Lucas?"

"Yes, Dr. Smith?"

"I need your cellphone, please."

"Uh...why?"

"I need to make sure no one takes any pictures while Linda is with us."

"Oh...I wouldn't do that."

"You may be tempted once she takes her clothes off."

"Really! Oh...I mean...she is cool with that? She went through class in skimpy bikini..."

"As long as there is no one that can take photos she will be cool with it. Now, do want to give me you phone?"

"Sure! I know you said she was wealthy..."

"We can't risk it, sorry."

He went and retrieved his cellphone and brought it to me.

"And, Lucas, only Amy and I will be using any cameras today."

"No problem, Dr. Smith."

I took his phone and put it in my lockable camera case, and locked it up. I didn't think he would do it, but I had to make sure.

Everyone was happy as they watched while we rode out to the Cathedrals. Amy and Samantha were telling Linda and Rachel what they would see. Once we arrived and dropped anchor, everyone was rushing to get in the water. I was helping Linda put her tank on while Stan helped Rachel.

"You ready for this?" I asked Linda.

"Yes! I am ready to have a good time and do things regular people do."

"Good. I'm ready for you to act like a regular person."

"Shut up and get in the water with me!"

Everyone was finally getting in the water. Lucas was getting our parents together as they floated. I was going with Linda and Rachel. Stan and Jeanine were going to watch out for everyone else.

It was fun watching Linda and Rachel act like kids as they explored. It was great seeing them act like regular people. They took their time looking at the lava formations as I helped keep up with their air. They did well and stayed down a long time before we headed back up.

"That was fun!" Linda exclaimed once we were on the surface.

"Did you see that eel!" Rachel was going on about.

The two of them were excited as we bobbed in the water, waiting for everyone else to get on board. Linda grabbed me and kissed me.

"Thank you for making me do this."

"I thought you would like it."

We were finally back on the boat. Everyone was in a hurry to get an air refill and go back out. I grabbed Amy and told her to join me with Rachel and Linda. We were finally back in the water, and once we were down again, Amy was taking a lot of photos. Linda and Rachel even hugged each other while she took a photo. I watched the two of them enjoy themselves. Amy took them over to one of the shallow caves we had found before and let them look around as she took more photos. Then Amy pointed out a blue eel that was living in the lava wall. Rachel got close, but Linda appeared afraid of it.

*****

We were taking a break for lunch. My girls were already naked and had been diving that way. Deb and Angie had finally gotten the idea and were diving naked, also. I hadn't said anything to Linda and Rachel about taking off their very skimpy bikinis. I sat next to them as they ate while they sat on a towel.

"You two need to get out of those bikinis," I said.

"James, you know I can't do that," Linda said.

"Sure, you can. I have Leah and Lucas' cellphones, and only Amy, and I have a camera."

"Are you sure?"

"Yes."

Linda smiled at me and let me untie her top and pull it off. Rachel was looking over at her, smiling.

"Do I need to take yours off for you?" I asked Rachel.

"I'll get to it!"

When Linda finished eating, I grabbed the sunscreen and rubbed it all over her. I kept seeing Lucas look at her while I rubbed sunscreen on her big tits. When Rachel came back from the galley, I rubbed sunscreen all over her. The two of them lay in the sun for a bit before we started getting ready for another dive.

"Hey, Dr. Smith," Lucas said to me quietly as he stood next to me.

"Yes, Lucas?"

"Uhh...is Ms. Williams okay with your rubbing sunscreen on her...I mean..."

"Obviously she is, Lucas.'

"I guess...I just mean...I guess..."

"Lucas, she and Rachel don't mind if you look, just don't stare."

"Okay. Are she and Rachel a couple?"

"Yes, but they both are bi."

"Oh my."

"Rachel is also her bodyguard."

"She has to have a bodyguard?"

"Once you learn who Linda is, you'll understand, Lucas."

"Oh...okay..."

I went and helped Linda and Rachel put their tanks on.

"You two get comfortable diving because I am sure the girls and I will be taking some other trips," I told them.

"Well...I don't guess I'll be doing things like that."

"Why not?"

"After the babies come, we will be busy."

"Linda, babies grow up. I don't want you and Rachel isolating yourselves because you have babies."

"James, we..."

"I won't let you!" I told Linda, and she smiled.

Dawn and the girls dove with Linda, Rachel, and me. They were having a good time. I had Amy's camera and took the photos this time.

I saw Brian, Deb, Pete, and Angie diving together as they explored. Lucas was having with our parents and Amelia as they swam through the lava formations.

When we were back on the boat, I helped Linda take her gear off. Once I had it, she stood there naked like the rest of the ladies. My dad and Charlie were still doing a lot of looking. I followed Linda into the galley for some water.

"Are you having fun?" I asked.

"Yes, I am! I'm so glad I came. Rachel and I are having a great time."

"Glad to hear that. How long are you going to stay?"

"I think we will stay until the end of the month with all of you."

"Better. You two needed a vacation."

"We did, and we are going to take more of them...even after the babies," she said and kissed me.

"I want to take some photos of you sitting up on the bow of the boat."

"Okay."

I grabbed my camera and Linda and Rachel and had them sit on the railing of the boat, so I could take some photos while they took a break. I shot a few, then had them stand and look out over the ocean. I moved them close to each other and backed up, and took a shot of their wet bodies in the sun. I made sure I had a photo showing off their tattoos.

Before I finished, all the women were upfront naked, posing as a group for me as they laughed. I went up to the top to take a group photo of everyone. Leah was up there eating while she watched.

"James, did I hear Ms. Williams is pregnant?"

"Not if you are going to keep her from diving you didn't."

"It's no big deal. Just don't tell Lucas."

"Thanks."

"I think I also heard her discussing it with Dawn...about the two of them being pregnant."

"Dawn, Amy, and Samantha are pregnant, and so are Linda and Rachel."

"Really?"

"They are about three months."

"They will be fine then. Odd they are all pregnant at the same time."

"Not really...since I am the one that got them all pregnant."

"What?"

I explained things to Leah.

"So, you...and Linda and Rachel?"

"Yes. They all decided they wanted to get pregnant."

"Oh...wow. So, Linda is bi?"

"Linda got out of a bad marriage a few years ago. She and Rachel travel together everywhere because Rachel is...was...her bodyguard. After Linda learned to enjoy women with Dawn and the girls, she and Rachel just sort of happened. She has no plans to ever get married again."

"I don't blame her. Did you help her get over the bad husband?"

"Yes. When Dawn and I met her, she was pretty withdrawn about love. I did some therapy with her and got her back into believing in herself about relationships."

"Good for you, Dr. Smith!"

"Hey, that is what I do."

"Do you get all your other clients pregnant!" Leah teased me.

"Just the hot ones! Leah, that information is not for the rest of the world to know."

"Don't worry about it."

We laughed about everything until I headed back down the ladder.

After several more dives, we called it a day, and we all rinsed off with freshwater. I sat with Linda and Dawn while Rachel flirted with Lucas while he rinsed off all the equipment.

"I think Rachel wants to fuck him," Linda said.

"She should. He is pretty good," Dawn said.

"You did him?"

"When we were out here last week. Leah doesn't care."

"Good!"

*****

Later, I walked out of the galley with Linda, and we saw Rachel riding Lucas as he lay on his back. The two of them were laughing and having fun. We walked over to where they were lying on a towel.

"Having fun, honey?" Linda asked.

"Oh, yes!"

Lucas was looking up at Linda as Rachel slowly worked her pussy.

"Lucas...don't expect any more tips!" I teased him.

"Fine by me!"

Rachel rode his cock for a few more minutes, then she reached over and pulled Linda toward her. Linda stepped over Lucas, and Rachel pulled her to her mouth. I went back and grabbed my camera. I had to have a shot of them as Lucas looked up between Linda's legs with his eyes really big as he watched.

I took several photos with Rachel kissing and licking Linda's mound and pussy lips. Linda looked back over her shoulder.

"Lucas? Are you enjoying this?" She asked him.

"I sure am!"

Linda moved to her knees and lowered her pussy down to Lucas' mouth. I took some more shots as Linda and Rachel laughed. I heard Amy giggling and turned, and she was shooting video. Linda and Rachel were having fun.

I went back up the ladder to check on Leah as she steered. She was still naked, and I looked over her dark skin as she steered.

"I would never have thought Ms. Linda would do that," Leah said.

"She likes to have some fun when she can."

"Apparently! Good for her!"

I ran my hands over Leah's body as she stood.

"Don't start with me!"

"Why don't you let me steer...while you jump up here and wrap your legs around me."

"Why not!"

Leah turned and jumped up and wrapped her legs around my waist as she laughed. I put one hand under her ass while she worked my cock into her pussy and slid down. She pulled me to her tight and laughed.

"I like how your wives let you do this!"

"Me too!"

Leah was slowly working her pussy on my cock as we laughed. I looked down and saw Amy taking photos of Leah and me. I motioned for her to come up.

"Amy! No pictures!" Leah exclaimed and laughed when Amy climbed up there with us.

"They are just for you us...and you."

"Okay then!"

Amy stayed and took a lot of photos of Leah and me. I had Leah lean way back as she worked her pussy. Amy was laughing as she took more photos.

"These better not end up on the internet!" Leah said and laughed.

Leah was coming again as I held her ass as she worked her pussy hard on my cock.

"Oh fuck!! This is so hot!!"

"Yes, it is!" Amy exclaimed and laughed.

Leah came hard, and I finally let her down because she was hot and sweating.

"Oh, that was fun..."

Brian had joined us and had been watching. Leah turned around and went back to steering the boat. Brian moved behind her and rubbed her body, then had her lean forward. He slid his cock into her from behind.