Life after the Lottery Ch. 77

"You should. Listen to Linda's ideas. You should reinvest part of it each year."

"I was thinking about that. What if...we approached Dr. John and Keith...and I offered to buy 25 percent now? I thought I could cover it in five years, but it sounds like I could faster now. Do you think they would let me...I'm not a doctor yet."

"You can ask when we get back."

"Would you go with me?"

"I'll go to listen, but you need to have all your ducks in a row before you approach them."

"What do you mean?"

"First, you don't have a million right now. You already owe me $420,000, plus your mom's house."

"Would a bank loan me that much money?"

"You're not a doctor yet, so not just on that."

"Oh..."

"Is that what you want to do, honey?"

"Do you think it would be a good idea?"

"Probably...but you need to sit down with Dr. John and ask him to convince you it's a good investment, just like he did with Keith."

"I don't want to be pushy and presumptive."

"Honey, you are going to handle a lot of money over the years. You need to learn how to negotiate and determine if you are spending your money wisely. You may as well start now. Talk to John and Keith and gather all the information you think you need. Talk to Dawn too. See what she has heard John talk about wanting to do."

"Okay...but where do I get a million dollars if the bank won't loan it to me?"

"If this is what you want to do, I can make arrangements so you can borrow the money from your trust. You can pay it back over four or five years...with interest. It will be a regular loan. That will be good for your credit."

"Really! Great! Thanks!"

"Not so fast! You are not borrowing the money from me. You need to put together a business plan and present it to the lawyers that control the trust. You must convince them it's a good investment before they will allow you to borrow the money."

"But...they would...wouldn't they?"

"You have to convince them, not me, honey."

"But...I don't know how to put together something like a business plan."

"Hmmm. Do you know anyone that could help you?" I asked as I looked at her.

"Would Linda help me?"

"I think Linda would review it once you had it put together. She would be expensive to hire to help you put it together, though."

"Who could help me then?"

"Do you know anyone else that has put together a successful business plan before? Maybe recently? Someone you could hire to help you?"

I let her think a minute.

"What about Lori!"

"That might be a good place to start."

"She would help me, wouldn't she?"

"I am sure you could pay her just like you would anyone else that knows how to do that."

"You could help me?"

"Nope. You are on your own. You need to learn how to do this."

"Okay. I'll talk to Lori when we get back! What else do I need to do?"

"You put together the business plan and proposal, and Linda and I will look it over. When it is ready, you can present it to the lawyers that control your trust."

"Great!"

"You are forgetting one thing?"

"What?"

"You haven't asked John and Keith yet."

"Oh, yeah. I'll do that."

We walked and talked for a while, then headed back to the house for dinner. Samantha grabbed my computer and disappeared. She was excited now.

*****

Later, I was sitting with Dawn outside, watching the sun go down.

"You know what Samantha wants to do?" I asked.

"No telling."

"She heard John and Keith talking. John is going to let Keith buy 25% of the practice for a million."

"That will be a good deal."

"She asked John if she could buy 25% for a million."

"She did?"

"Yes. He told her once she was working there, she could."

"Good."

"But...she asked me if it would be a good investment for her to buy in now."

"Really?"

"It would be a good deal. John wants to build his own building."

"He has wanted to do that for a few years. I know he has always wanted to have a medical plaza, but they may be cost-prohibitive. What did you tell Sam?"

"I told her she had to talk to John and Keith about it. If they said yes, she had to put together a business plan and present it to the lawyers that control her trust. If they thought it was a good idea, she could borrow the money from her trust."

"Just give her the money."

"I think it's time she learns her way around finances."

"You know the lawyers will do whatever you tell them to do."

"She doesn't know that."

After Dawn and I talked for a little bit, I walked down to the beach because Linda and Rachel were down there watching the sunset.

"This is so pretty," Rachel said.

"It is. I think we should use some photos of the sun setting over the beach on the website for the rental," I said.

"We can list it as the $14,000,000 view!"

"I wanted to run something past you...since you own several hospitals," I said.

"What is that?"

"Dr. John is going to sell Keith 25% of his practice for a million. Samantha heard them talking, and she asked John if she could buy 25% for a million."

"Smart girl."

"Yes, she is. I am pretty sure John and Keith will let her. She doesn't want to wait until she is a doctor to do it, so I told her she would have to present the business plan to the lawyers that control her trust. If they think it is a good idea, they will arrange for her to borrow the money from the trust."

"That shouldn't be a problem."

"I told her you, and I would look over her proposal. She is going to get Lori to help her write it. John is going to use the money to help build an office building for his practice and rent to other doctors."

"That is what doctors do when they have the money. It's a good investment for them when they get ready to retire or expand further."

"Dawn told me John has always had a wish to build a medical plaza, something bigger than just an office building."

"They can be profitable but expensive to build and equip. I have built a few."

"That was what I was hoping. What kind of money does that take? Something more than just an office building?"

"I am about to start on a big cardiology plaza in North Carolina. It's a big building and has all the imaging equipment that is needed and a couple of surgical suites for outpatient surgery. With all the equipment and four stories, it will run about $25,000,000. I am helping a handful of doctors put it all together."

"What is it going to cost them?"

"You mean how much will I own?"

"Yes."

"In the beginning, 50 percent. With that much, I can keep them out of trouble. But they will be buying me out down to 20 percent eventually."

"Have you done this before?"

"Oh, yes. This is what I am doing instead of putting more money into hospitals. The smaller plazas are more profitable for the investment. Why? Sam will do well with her million."

"I don't know if John wants to build something that big. Would you be interested?"

"Possibly. I don't have any part of the local hospitals at home...thank god. I would need my people to see what is needed in the area."

"Dawn said he wanted to have a regional reconstructive center. The closest one is Atlanta."

"Hmmm. It could be a good investment."

"It would be much more than I think John and Keith could borrow the money to build withiout another investor.. I don't think they would want to have a bunch of other doctors as partners."

"They don't. When a partnership gets that big with a bunch of doctors, all the egos clash...and it becomes like owning a damn hospital. The fewer, the better. The ones I am investing in are no more than four doctors. Would you like me to look into it?"

"If you would. If it's something that would work, you could present it to them later when they need the money."

"Do you want part of it?"

"Not directly. I think this should be Samantha's deal. Her trust could invest in it. What kind of interest do doctors pay to borrow 10 or 20 million?"

"It depends. If they borrow it from a bank, the rate can be high for a 30-year loan. The other alternative is to borrow it from a venture capital firm. Those are usually for 10 years or 20 years at the most. If it can be paid back in 10 years, it's much cheaper."

"That may be a question she includes in her proposal," I replied.

"James...Sam is pretty smart. Mention something like this to her, and I let her talk me into it. Maybe she can arrange for them to borrow money from me instead of me holding a piece of it. Or, I can make it look like venture capital, and you could have part without them knowing it. Another option is for her to be an investor beyond the million. She could make interest on a loan to them."

"She'll like that. Thanks."

"She'll probably have more money than you do one day!"

Rachel giggled.

"I have no problem with that!"

"I would guess that what John wants to build would be around 15 to 20 million once it's fully equipped. Basic medical buildings with equipment and a couple of surgical suits run about that much. I don't think John could get a bank to loan him more than 12 or 15 million," Linda said.

"I guess."

"Maybe I could help them build something bigger."

"Let's see what Samantha puts together," I said.

"I'll be interested in seeing how she approaches this."

"I told her to ask Lori to help her with the business plan because I was not going to do it. She needs to learn from this."

"I am sure she will. Lori is good at that."

I stayed on the beach with them, talking until after the sun went down.

*****

It was about 11:00 PM when I went outside to check on everyone. Samantha had been sitting with Linda and Rachel talking for about an hour.

"What have you been talking to her about for so long?" I asked Samantha as we walked into the house.

"Something..."

I didn't get any more from her, only a big smile. Everyone else either grabbed some wine or headed to bed.

I walked into Linda's bedroom at about 11:30. She was lying on the bed naked as she texted on her phone. I laid on the bed next to her and waited until she finished.

"Are you sleeping by yourself tonight?" I asked her.

"Am I?" She asked.

"Not now."

"You know Sam spent a few hours on the internet researching building a medical building. I told her she could do that some other time than on her vacation," Linda said.

"She is probably having fun doing that. At home, she would be doing other things."

"You're right. She did some good research."

"I dropped a hint."

"She keeps impressing me. She came to me, and we talked for over an hour. She didn't have any notes but knew the right things to ask."

"She is probably a lot smarter than we think. Dawn wanted me to give her an IQ test, but I told her no because I didn't want her to use that as a reason not to study as hard."

"You think it's high then?"

"I know it's higher than mine or Dawn's. I would suspect it is over 145. That would put her in the highly gifted range. But other than IQ, she has a great ability for Inductive and Spatial Reasoning. I have never asked her, but I bet she has an eidetic memory. Her problem-solving abilities are incredible."

"What about Amy?"

"I think she is well into the gifted range, but unfortunately, she never had any opportunities to cultivate it. But, she has very good problem-solving abilities also."

"I think you are right about her memory. She rattled off a lot of things she had read. Like you said, she took all she read today and put it all together and came to me."

"Did you know she scored very high on her MCAT? That is the test you take to get into med school. Usually, third and fourth-year students take it. She took it last winter. She couldn't have scored that well on it without being able to remember everything she reads. Amy does that too. I have seen her read up on something she has not studied in school yet and remember a lot of it."

"That is great. She really impressed me today. When she started rattling off the cost of the different pieces of equipment that would be needed...I couldn't believe it. Then she told me what she had found on the cost per square foot to build a commercial building. She even told me that it looked like it would cost about $20,000,000 to build a big plaza and equip it. That is what I told you. Did you tell her that?"

"No."

"If she weren't going to be a doctor, I would send her to a great business school and hire her and make her a VP. She should be a brain surgeon."

"Dawn told me when she has been with Samantha while she was observing a complicated surgery John and Keith were performing, she would ask if a reconstruction could be done a certain way. Dawn and John both told me the ideas she has are what he gets from computer modeling before a surgery. She has an uncanny spatial relationship ability. That will be great for a plastic surgeon doing reconstruction."

"Wow. I think we have all underestimated her," Linda said.

"I am going to start steering her in directions that can help her develop it more."

"I told her to get all the information she needed from John and put it together for me, but not let John know why she wanted to know about a bigger operation. Once she has all that, I'll let my people look it over. But I think Sam and I can work out an investment," Linda said.

"Thanks, Linda."

Linda and I settled in and made love to each other for several hours before going to sleep.

*****

Monday morning, I woke up early because I heard Linda on the phone. I lay there and listened as she talked about closing on the house. She finally hung up as she sat on the edge of the bed.

"Everything taken care of?" I asked.

"All taken care of. Rachel has to run by a bank first. What time did they say to be there?"

"1:00."

"Great. We have all morning then."

She turned to me and lay at my side and held me. I pulled her closer.

"Are you and Rachel ready for babies?"

"We are. We are having a great time discussing it and getting ready."

"Will the house be ready by then?"

"It will be close. Is Dawn still in the dark about her helicopter?"

"Oh, yes!" I exclaimed.

"You are enjoying this, aren't you?"

"I don't get to surprise her with something this big very often. Amy and I are working hard to keep it under wraps."

"Stan and Jeanine are making plans to take my helicopter to the air show. I told them to make sure they didn't say anything to Dawn."

"Perfect. Samantha and Dawn are getting a kick out of flying your helicopter. Thanks."

"Jeanine told me they are both ready to certify on it."

I held her for a while, then she moved to me and started kissing me.

"I enjoyed last night," she said.

"I did too. What would you like this morning?"

"A little fun!"

"Like what?"

Linda rolled onto her back.

"Fuck my tits!"

"No problem!"

I got on top of Linda as she laughed. I placed my hard cock between her tits, and she mashed them together and giggled. I watched her work her tits on my cock and laugh for a while. I would push forward, and she would suck on the end for a minute.

"Do the girls like you coming on their tits?"

"Oh, yes."

"Come on, mine then!"

Linda and I played and laughed as I fucked her tits. She finally asked me to come on her, so I worked my cock slowly as she watched.

"Ready!"

"Yes!" She exclaimed and laughed.

I slid the end of my cock between her warm tits and started coming.

I pumped a ton of cum between her tits as she held them together. When I stopped, she stopped and mashed them and rubbed them together. Then she ran her fingers through all the cum and all over my cock as she looked up at me and smiled.

"Emmm, you feel good," I told her.

"Your cum feels good."

"Looks good all over your tits, too. I am so happy you are having fun now."

"I would have never thought I would be doing something like this and laughing!"

Linda giggled, then used her fingers to rub cum all over her tits and nipples. She finally used her hands to rub the cum into her tits.

"That feels good," she moaned.

I slid back a little and watched as she played with my cum.

"After you come on their tits...then what?"

"Let me show you."

I slid back and sat on her legs. I laid on her and started licking her nipples.

"Oh...shit!!" Came from Linda as I slowly licked. "Oh, James..."

Linda finally pulled my head into her tits a little, and I began sucking on her huge nipples.

"Ohhhh...yes...ahhhhhh..."

Linda moaned and squirmed as I took my time licking her tits and sucking on her nipples. When I started licking one of her sensitive spots on the side of her tits, she thrust her hips up.

"Ahhhhh!! Fuck!!" Linda cried out, and I knew she was coming. "Fuck!! Don't do that!!"

Linda grabbed my head and pulled me up, and started kissing me hard.

"Oh, fuck...I loved that."

"You told me don't do it?"

"Ignore me!"

We laughed.

"James, why do you do that for us?"

"Because you want me to, and you enjoy it."

"Oh, I do. I have never had another guy that would do that."

"It is just for the girls I love."

"Emmm... it is hot. Thank you."

Linda kissed me for a minute. I slid further back and used my legs to pry hers apart. She spread them and pulled them up, and let them fall to the sides. I grabbed my cock and slid it into her wet pussy slowly.

"Oh...James..."

I slid all the way into her hot pussy as she moaned.

"Make love to me."

"I always do."

"I know you do, but...make passionate love to me."

I smiled at her and kissed her.

Linda and I took our time and slowly made love to each other. I kept working my cock in her as she placed her hands on my back and moaned. I loved looking at her as she let me please her.

"Oh, James..."

I could feel her energy growing slowly. I had learned to let her grow and then just push enough she felt mine. After a few more minutes, that was what I was doing.

"Emmmmmm...yes...yes...I love that feeling."

We were filled with each other's energy as she grew. I felt her orgasm slowly building until I knew she was ready to come.

"James! Oh...yes! I am going to come!"

Linda tensed up for a bit, then jerked hard once.

"Ohhh! Yes! I'm coming!! I'm coming!!"

She thrust up under me, and I slid into her deeper and held my cock there. She just moaned as she jerked. I let her orgasm run through her until it was over.

"Oh my..."

She kissed me again for a minute and then smiled.

"God, that feels so good!"

"More?"

"Yes! But fuck me! Fuck me hard and make me scream!"

"That is never a problem with you now!"

Linda wrapped her legs around my waist and pulled me into her, and I started working my cock as she smiled. After about 30 minutes, I was fucking Linda hard as she cried out.

"Yes! Fuck yes! Fuck me!!"

I drove my cock in as she screamed. She felt so good and full of sexual arousal. I worked my cock harder and faster. I always loved watching her big tits bounce.

"James!! Fuck!! Fuck yes!!"

Linda had her legs up as I thrust into her. She kept screaming.

"Ahhhhh!! I'm going to come!! I'm going to come!! Fuck me haaaaarrrrdeeerrrr!!!"

I kept jamming into Linda as she screamed over and over.

"Ahhhhhhhh!!!"

I felt a huge rush of energy through her, and she started having a huge orgasm under me.

"Fuuuuuck!!! Yes!!! I'm coming!!!"

Linda was coming hard. When I felt her at the peak of her orgasm, I jammed in hard and pushed my energy into her, and started filling her with cum.

"Yeeeeessssss!!!" Linda screamed in a long cry.

I was pumping her full of cum as she came.

When she finally stopped coming, I stopped pumping cum into her and lay on her.

"Oh...my...god. I don't think it gets any better than that."

"Maybe," I said to her.

She looked at me, then smiled.

"That was wonderful, James," she said and kissed me.

I kissed her back and then began kissing her neck as she moaned softly. I took my time as she enjoyed me kissing her. Slowly I kissed my way down to her shoulders, then her tits.