Author's note: These chapters are NOT stand-alones...The story starts here.
Chapter 24: What�s the vig?
W e need to talk about your finances.
That was the very first thing out of Mary�s mouth Monday morning as she� sat with Joshua while he ate a breakfast of mango, banana and barako coffee.
Why? Joshua figured Mary must have something in mind but for the life of him, he had no idea what it might be.
Your plans have changed and we will not go the USA for years now. I know we can get along with how you have things set up, but we can do so much better. Mary was sitting very close to him. She took his napkin and dabbed it on the corner of his mouth. He must have had a piece of mango there. I am a good money manager Joshua, and with some changes, I can make us a lot of money while we live here. You will see.
Joshua was in a very good mood. He had only minutes before exited his bedroom after having two of his twelve year olds get him off, first by waking him up via giving him head and then by plowing Ricca until she came nonstop while he dumped the second load in her cunt in just nine hours. There was not a tense bone in his body. He wasn�t really prepared to discuss finances this morning, but clearly, Mary was. What do you want me to do?
Those two bank accounts you showed me� the ones with your savings� you need to transfer much of them here.
Joshua didn�t like the sound of that. Those accounts were his safety net, and they were tax deferred IRAs and they collected interest. Pulling them out would create tax consequences. What do you want to do with that money? Those funds are invested. They grow, with the interest paid to the accounts.
How much interest do you receive Joshua?
Seven percent, I think. It�s a good return these days!
A month?
No, a year, Mary. No one gets seven percent a month.
Joshua I can grow your investments by ten percent a month.
Mary, there is no way!
Joshua, I can do it. Will you let me make us some money? I have known how to do this for years but we never have the money to invest. You do. We can do very well with your money.
How Mary? How does this work.
We make loans, and we collect 10% every end-of-month payday. We hold on to the peoples ATM cards and every payday we take it directly from their account that gets paid into by their employer.
This is legal?
Yes it is done all the time.
How much do you want to loan out?
Joshua, if you withdraw $250,000 from your retirement accounts, that will convert to ₱10,750,000. In one year we can get a return in interest ₱11,825,000. If we reinvest that the next year we will earn ₱24,832,500. You could return all the money you loaned out and put it back in your account in the USA and have even more here.
Well I can�t �return it� because of tax issues and laws� but as far as your plan, I will ask your mother. If she agrees then I will do it. Ok? And with that, Mary jumped into his lap and planted a big serious kiss on his lips. Luckily, he was not holding the coffee cup at the moment!
When Joshua asked Ana Fe later, she explained that people often were unable to get loans from banks and this type of loan was very common, as was the interest that Mary was saying they would get. In the USA, this would be illegal loan shark business, but evidently not here. Joshua would contact his bank and make arrangements. In the meantime, they had shopping to do; beds to purchase, a dining room table to find; Internet and cable TV to order.
Joydee had to make contact with the local public school and make arrangements for home study of all the children. She would have seven students. One of the bedrooms would be her classroom.
Most of what they needed was ordered or purchased that day. Within a week the internet and cable TV were working. Beds had been delivered and new curtains had been hung. A large dining room table had been located and was in use each day. The classroom was set up and classes started ten days after they arrived at the new house.
But before that, there was one important event that caused a great deal of commotion. Joshua and Ana Fe were formally married, with Ana Fe�s family in attendance along with many friends and relatives. There were three roast pigs and lots of other foods and drinks. No one could say, they had not been invited, nor could they say that they had not witnessed the blessed event. And finally, none could say that they left the facilities hungry. And so seven days after Joydee joined the family Ana Fe was indeed and forever, Joshua�s wife.
In the days following the marriage, Joshua arranged to cash out half the desired amount in one calendar year and by waiting a few more days, he was able to take out the second amount in the next calendar year. Doing so, he significantly reduced his tax exposure. As it turned out, it was taking a while to place all the loans. Daughter Mary would not have been able to move the funds any faster, even if he taken them all at the same time. But all the money did get loaned out. The returns came in as expected and rather than just banking the loot, Joshua worked with Mary to loan out the interest payments pretty much as soon as they were received. Rather than the ₱11,825,000 in interest they collected ₱19,921,004.59 in interest that first year. By the middle of the second year, they were having problems finding places for the interest earnings. Mary�s plan had worked to perfection. They were becoming � in Filipino terms � wealthy.
The schooling also worked very well. Arlin graduated high school with good grades. Mhitz, Janna and Rowena also graduated with very good grades. The three youngest were doing well and would be done in two years. Mary found time with her busy schedule, created by the loan business, to attend college for accounting.
Such was the outline of life in Joshua�s home. He continued to have access to all the girls except Rowena and no one shunned Rowena, though she did feel like an outsider. There were a few consequential things that did occur during those two years. The first had to do with Rowena and it occurred approximately six months into their stay in the house in Talisay.
There came a night when Joshua was expecting his wife and Joydee to be in his bed only to find Rowena sitting in the middle of it when he entered the bedroom.
Good evening Rowena. Why are you here?
Po, I have an apology to make. When I said that I did not want you in me, I lied. I lied. I wanted you in me so bad that it scared me. It scared me that I could want something like that so bad that I lied because it frightened me. These past six months, no one has been intentionally mean to me, but I do not feel included in the family either. The past six months I have fought my own needs and my fear of admitting I had lied. Please forgive me, Po.
To whom, have you told this?
Mom and she told me I had to tell Ana Fe. So I told her too. That is when they say I should come to you tonight instead of them.
I see.� And what do you expect to happen tonight?
I am here to be your bed partner tonight and do whatever you want to do.
Joshua took the girl in his arms, stroked her hair and spoke softly into her ear: Are you sure you just don�t feel left out?
I am sure Po.
What followed was a languid session of lovemaking. It was very unlike the session she had experienced the first time. The evening of sex gave way to sleep and sleep gave way to morning sex, which gave way to showers, which gave way to mid-morning sex. The two exited the bedroom in early afternoon, in desperate need of food and liquid refreshment. Rowena still clung to Joshua, whose arm encased the girl. Rowena would never engage in girl-girl sex of any type, but she would be from that day forward Joshua�s erstwhile handmaiden, or as she put it, his slave.
Though the youngest children were on birth control, the older ones either, never were, or chose to stop using birth control. Within the first year, there were six pregnancies: Ana Fe, Joydee, Mary, Arlin, Janna, and, last to get the seed, Rowena. A bedroom was turned into a nursery. The house was too small again! Rowena and Janna became the daytime nursemaids, but they needed help. Ana Fe and Mary were already working full time on issues regarding Joshua�s investments/loans. Joydee was teaching. The house was too much for all to keep clean with all that was transpiring and the needs of the infants were taxing.
It was time for a family council. Everyone including the youngest of Joshua�s girls had a say. No one was twelve now. The two youngest were just barely fourteen. It was seventeen months since the wedding.
Joshua spoke first. As far as I can see, we need two things. A different house and help with both the cleaning and the babies. How should we proceed?
Rowena asked, May I speak? Yes, of course she could, all assured her. Who will we get who will not become pregnant with your children? And we are all getting older. Do you want more young ones? How young do you want them?
That quieted them all. There was a moment of complete silence.
It was Ana Fe who spoke next. My husband, your slave asks good questions. If we answer them, maybe we have the answer for most of the problems we face. I am aware that Mary has some things to say, about a house for us and where we live.
Joshua sat silent. He was as confused as he looked. He had more pussy than any man ever had a right to, and they were all attractive and some of them were clearly still minors. Why did Rowena�s question make his cock come to attention?
Janiza wondered, Where will we put extra people?
Mary was having a hard time being quiet. Does everyone not know that we are now rich and getting richer every day? We have millions of pesos in the bank. We have property because a few loans went bad and we took the property that was given as collateral. We have a beautiful property on the ocean not far from here where we can build a nice house. We have loans to an architect and some construction businesses. We can build a very large and beautiful home big enough for all of us plus others without making us poor in any way. We will still be wealthy. Joshua�s investment and the loans we manage have brought us this wealth.
This was something that Joshua was aware of but others in the family probably had not been so aware. He had seen the property that Mary mentioned. It was a four-hectare track. With a long coastline, and a deep setback as well, it was relatively square. The land held trees of coconut, banana, papaya and mango. There were rambutan bushes. A roadway into the property was lined with bougainvillea. It seemed ideal and they had the clean title to it. Joshua was also aware of the books. He knew Mary had been modest as to the amount of their income. They could build the house from just one month�s receipts and still have money left over. In recent months, Ana Fe had spoken to him that unless he needed to return to the USA, his girls were happy to remain here. There was plenty of money to send them to college here and then he didn�t have to split up the family. He was renting out his house in the USA already. Why not, she had asked him, liquidate his holdings there and settle here? Now as this conversation continued, he gave that some thought again.
Joydee was liking this better every second. If Joshua stayed here in the Philippines, that meant she could stay with Ana Fe and Joshua. If they relocated the USA, she would lose her man. If giving him young ones, kept him here, she'd be his best recruiter. Well? How young Joshua?
Joshua mind had been miles away and snapped back: Twelve. I don�t want to be with girls younger than twelve.
Joydee shaking her head, pointed out, But they are only twelve for one year.
Joshua was at sea, frustrated with both the question and his answer. I am aware of that!
So when you select a woman whose youngest children are twelve, you must find other women soon. See Joshua � that is a bad plan!
Mary turned to Joydee in defense of her man. What do you suggest?
We know if we get maids, Joshua will bed them. Right? So we find maid with children � girls � that are not yet twelve. The more girls they have under twelve, the better.
Rowena, a little confused, asked, How many maids do we need?
Ricca was not confused and she had the answer, at least when it came to this. At least three maybe more, but they have to be pretty.
Joshua said nothing.
Ana Fe announced, Mary and I will see about the house. Joydee, Rowena and Arlin will see about the maids. Questions?
There were none. Joshua said nothing. And so as the two-year anniversary rolled by, and with it the earlier timeframe for Joshua to pack up his brood and bring them to the USA, no such thing happened. Instead, a new home, actually a mansion, was built overlooking the ocean. There were sixteen bedrooms, a very large nursery, three salas, a huge inside kitchen and a huge dirty kitchen. There were maid quarters. Some parts of the house were air-conditioned and some were not.
The selection of the maids was a process that was easier than they thought it would be. The women placed advertisements for maids in local newspapers. The ad said the maid had to be attractive, not over 29 years of age. Maids with dependent daughters would be acceptable. Over forty women applied in the first two weeks. Of those, ten were considered ugly. Of the remaining thirty, each was given an interview. The children were observed. Some were asked to cook a meal and others to clean a room or two. Finally, of those who remained, Joshua was to meet them until four were hired.
One at a time, one day at a time, Joshua met with the women aspiring to be one of the family�s maids.
Do you know who I am?
You are the husband of this house?
I am and I am something else. If you work here, I will have your body in my bed. Do you still want the job?
The first one said: If you try that, I will tell your wife!
Ana Fe! Come here!
Yes Joshua?
This one says that if I try to bed her, she will tell you. What will you tell her?
I will tell her to go if she can�t do as she was told.
The first one said: I am to have sex with your husband?
Yes.
Then I will give you very good sex, Sir. Would you like me to show you now?
And with that, Joshua took her to the Master Bedroom and took her. He disrobed her. He had her lie down, tasted her pussy, he ran a dildo up her cunt and rammed his cock up her ass. She took all of it, screamed for more and came hard. She asked him to promise her that he would do her often. That evening she was invited to come back with her girls, help with the cooking and meet the family. She arrived with a two daughters, a ten year old and a six year old. As she was cooking in the kitchen Joshua was seated nearby. Her daughters were close to her in the kitchen when Janiza and Ricca came in and sat at Joshua�s feet. The maid�s daughters, intrigued by the new girls, went over to Ricca and Janiza. Ricca had opened Joshua�s fly and was playing with his cock. Stroking and licking it. Janiza asked the ten year old if she wanted to try. The ten year old looked over at her mother, the woman who wanted the maid�s job, and without speaking, asked� should I? The woman didn�t take more than a second to raise her eyebrows twice and the ten year old tasted Joshua�s cock.
One maid hired� three more to go.
In the following week, three more maids were hired. Each of them had little girls. Joshua would not take them until they reached twelve years of age, but each would accept his member, as he was ready. The oldest of the girls was ten and the youngest was two. There were nine girls in all. Joshua would have all the young pussy he desired for a decade to come.
By the third wedding anniversary, the mansion was built, and Janna, Ricca, Febe and Janiza (the last three now being 15 and 16) all had babies. In fact all of his women and girls had given him at least one child. Ana Fe and Joydee had given one, Mary had given him two and the rest one each. His maids were, each of them, pregnant. Joydee was going to be teaching children for a long time to come and the oldest of the children from the maids was eleven� an age that Joshua had now decided was old enough, bedding the child every day for a month.
That same year Joshua liquidated his remaining property and investments in the USA. The extra dollars were now inconsequential to the family�s finances. Every month the interest payments from the investments rolled in, close to doubling the bottom line by the end of each year. There was no financial cause of concern regarding this huge family and squadron of children. Each of his girls, as she reached 15 or 16, bore more children and each year from the third year on for the next ten years there were girls in the pipeline from the maids. Would he dip into his own � as they aged up? He thought not, but he hadn�t thought an eleven year old would be old enough for him once, and now, one was. His tastes and his options were expanding as his options grew. He gave up any attempt at justifying his proclivities. They were what they were.
Ana Fe and Joydee were still quite beautiful, as was Mary, Arlin, Mhitze, Janna and the rest. But those he wanted to keep pregnant. Once they were pregnant � he did not sleep with them until the child was delivered. As so as each pregnancy took a girl out of �service� for about eleven months, there were times when just about every female 15 and older was �out of service.� And so a month with the eleven year old was not shutting anyone older out. None were available.
In the fourth year of marriage, there were five full months when there was not a single female greater than 15 years of age who was not pregnant. Ricca, Febe and Janiza were all heavy with children. Even the maids were pregnant again. For those five months, Joshua�s only bed companions were three of the children from his maids, a twelve year old and two eleven year olds. He almost dipped down into a ten year old, but held off until her eleventh birthday.
Children under the age of four were everywhere! The Joshua Tree was beyond buds, it was in young spring leaf. There were many branches each branch with two or three leaves. It was as Janna, now age nineteen and with three children, had envisioned it.
And so it was, that a man, who had walked on quiet autumn residential streets in his quintessential American town, an aging but not old divorced man, ended his life surrounded by women, bearing him children. With their help, he had built up a substantial fortune, which would see them through the years after his passing, with an ease that none would have ever imagined possible in their lives.
For every one of them, he had taken them from a life lived in difficult circumstances and turned them into heiresses. He gave himself a legacy in the form of literally dozens of children who would carry his name or at least his genes. This was not his fantasy, this was not what he had hoped for, this was not what he could ever have envisioned. This was what happened when a fantasy met real people in real life.
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