Thursday February 24, 2022
"Fang. Come here." Willow stated as he walked by the kitchen towards the garage.
"What? I'm heading to town to hang out with Jaden." Fang stated.
"Not today you're not. You and I need to go to town. You need to meet with someone." Willow replied.
"Who?" Fang asked.
"No arguing. Just go get your dress suit on, the one you wear when you go to the office." Willow stated.
"Okay, but let me call Jaden." Fang stated walking away.
“How’s Jaden doing?” Willow asked causing Fang to stop walking and look back at her.
“Uh, he’s okay,” he replied.
“Okay. I was just wondering,” she replied then looked at the coffee mug in her paws.
“You know mom, if you want to fuck him again, just call him,” he said then walked away. Her ears perked and a chill shot down her back. “How did he know?” She thought to herself, or she thought.
“Because I heard you howling that evening mom,” he replied from the stairs. She nearly dropped the mug, spilling some of it out onto the floor. She sighed and sat the mug down then grabbed a towel to clean up the mess.
After driving into town Willow pulled into the bank parking lot and got out of the car, Fang followed suit. They walked in and sat down and waited to be called.
"What is this about mom?" Fang asked.
"You'll find out soon." Willow replied.
After about ten minutes of waiting Willow was called into an office. They both walked in and greeted the ladybug behind the desk.
"I hear that you're interested in the land out on Long drive. Correct?" Ms. Coccinellidae asked.
"Oh. Uh Yes I am." Fang exclaimed excitedly.
"Your tail, Fang." Willow stated still looking at the ladybug.
"The bank owns all that land other than where the houses sit. We own all of the land there." Ms. Coccinellidae stated pulling out a printed map. She moved her finger around the area that the bank owned.
“Oh my god, that is so much more than I expected!” Fang exclaimed. He ran his finger over the boundary line of the large land area.
“How much land were you expecting it to be?” Ms. Coccinellidae asked.
“I don’t know but not that much,” he replied, “so how much land is there?”
"There's 43,569 acres total. It starts just east of highway 402 goes all the way to the east, wraps around the three houses and goes up to the north and continues east. " Ms. Coccinellidae stated.
"That's a lot." Fang stated.
"What do you want all this land for, Mr. Wolfe?" Ms. Coccinellidae asked.
"To own the land and to stop any further development out towards our houses. Our house is here," Fang stated bluntly and pointed to their land on the map.
“It’s a lot of land,” Ms. Coccinellidae replied.
“Yeah it is. So, how much is it?” Fang asked.
"The price is $2,000 per acre." Ms. Coccinellidae stated.
Fang took a pen and a piece of paper from the desk and wrote the numbers on it. Slowly he added it up. He dropped the pen and exhaled at the price he saw.
"Hmm. Could we make a deal at $1,500 per acre if I buy it all at the same time?" Fang asked looking up.
"I'm sorry Mr. Wolfe we're not able to." Ms. Coccinellidae replied.
"Not to be rude to you Ma'am, but could I speak with the bank manager please?" Fang asked.
"Of course Mr. Wolfe. We'll see if he'll drop it, but I highly doubt he will." Ms. Coccinellidae stated standing up and leaving the room. After she left the room Willow looked down at Fang.
“You cannot spend that much money Fang,” Willow said crossing her arms.
“My money mom. I understand that this is a lot of money, but I do have future plans for it,” he replied.
“Fang, you are pushing your luck with me and your money,” she replied.
“Mom, you know how much I get from everything. It’s not like I’m going to run out of money,” he replied.
“Fang, its not about how much money you make. It’s about you using it responsibly and have enough to care for your wife, kids and yourself. Do you know how much this amount of land is going to cost you yearly in state taxes?” Willow replied.
“What a million, two million I’m guessing,” he replied.
“Probably more than that,” she replied.
“Drop it, I’m getting the land,” he replied.
“Fine. But when Vapor finds out how much you’re about to spend, that you don’t have, she’s going to be furious at you,” she replied.
“I know,” he replied and chuckled nervously.
A few minutes later the ladybug walked back in followed by a gazelle. Fang stood up and greeted the gazelle and shook his paw.
"I'm Fang Wolfe. Nice to meet you sir." Fang stated.
"I'm Robert Warner. I'm the manager of this bank. How can I help you?" The gazelle asked.
“I’m interested in buying all 43,569 acres between Highway 402 over to and past Long Drive. I would like to speak to you about the price per acre. Right now it’s $2,000 per acre. Not a bad deal, but I live out there and know what is in those fields and woods. The open fields are covered in grass burrs and invasive weeds, both of which are hard to kill and expensive to remove without digging up the land. The woods are filled with poison ivy and poison oak, along with other nasty weeds. I would like to buy all 43,569 acres right now for $1,500 per acre. Sir.” Fang explained.
Ms. Coccinellidae handed the gazelle the printed map. After looking it over for a couple of minutes he looked up at Fang.
“I’ll be back in a short time.” Mr. Warner stated and left the room.
About ten minutes later the gazelle walked back in and sat down.
“Mr. Wolfe. We cannot sell the land for $1,500 per acre. I will allow $1,800 per acre though.” Mr. Warner replied.
Fang thought about his offer for a minute while doing the math on the sheet of paper. After a few other calculations he looked back up at Mr. Warner.
“$1,700 per acre. I’m sure the bank is losing money every year as it sits. At $1,700 per acre, the total for the land is $74,067,300.” Fang replied.
“I’m sorry Mr. Wolfe. $1,800 is the lowest we’re willing to go.” Mr. Warner replied.
“You’re willing to lose a huge lump of cash just for $4,356,989?” Fang asked standing up.
“I’m sorry. We just-” He was cut off by Fang standing up and limping out of the door.
Willow sat there confused, angry and amazed all at the same time as Fang headed towards the front door. Willow quickly apologized and rushed up to Fang.
“What the hell are you doing Fang? It took me months to find out who owned his land and to get you this meeting.” Willow whispered scowling at him.
Fang kept his mouth shut as he pushed on the door bar to leave.
“Mr. Wolfe. Okay. I’ll accept your offer of $1,700 per acre if you buy it all at the same time and take out a mortgage for at least half of the total amount,” Mr. Warner stated from across the building.
Fang smiled and turned his head towards his mom and winked. He turned around carefully while holding his leg then limped back to the gazelle.
“Good to hear,” Fang replied.
“Okay. We’ll draw up the bill of sale. It’ll take a few days. How are you planning on paying for this? You seem like you’re quiet young.” Mr. Warner replied.
“I’m a CEO in training, chair member and stock holder of Wolf and Fox and a couple of other monetary items. My wife and I own the company. I’ll pay by bank transfer. I have my account with this bank.” Fang replied.
“Okay. Ms. Coccinellidae please check with his account and ensure he is in good standing please.” Mr. Warner stated.
“Thank you Mr. Warner. It was nice doing business with you.” Fang stated extending his paw.
“You’re welcome, but we’re not done yet,” Mr. Warner stated. Ms. Coccinellidae checked Fang’s bank accounts, there was a bit over three hundred million in his accounts.
“How much do you want to transfer from your account?” Ms. Coccinellidae asked.
“Uh, hmm, twenty-five million?” Fang replied.
“Fang, that’s forty-nine million that you’ll have on a mortgage. Don’t screw around with this. Your name and credit and all that land is at risk. If you fail to pay just one payment, they can take the land and destroy your credit,” Willow scowled at him.
“Mom, three hundred million in my bank account. I won’t miss a payment,” he replied.
“Okay. It’s your hide when Vapor finds out,” she replied.
“I can take whatever she does to me,” he replied.
“So how do we start this?” Fang asked Mr. Warner.
“Ms. Coccinellidae will draw up all the forms that’s needed over the next few days to a week. Here in a few minutes she’ll get all of your information to take a mortgage out. She’ll explain the rest. I’m sorry to leave so fast, but I have a meeting soon and I can’t miss it,” Mr. Warner stated.
The gazelle shook paws with Fang and excused himself from the room. Ms. Coccinellidae took their information and said she would call when everything is ready. Fang and Willow thanked her and headed back to the car.
“You ran a high risk leaving like that.” Willow stated pulling out on the road.
“Yes. But it worked.” Fang replied.
“You were willing to lose the land due to four point three million dollars?” Willow asked with a smirk.
“No. I would have agreed to $1,800 per acre. I wanted them to see that I was serious about the land.” Fang replied.
“If that’s the case, then you should have taken his initial counter offer.” Willow replied.
“Maybe so, but I do want to keep some money in my account. You’ve always said to try to be reasonable with our money and bargain for what you want.” Fang replied.
“I was so pissed at you when you just stood up and walked out. I didn’t know what I was going to do to you. I’m just going to ignore how much you’re about to spend as well, as you said, it’s your money,” Willow replied.
“Sorry mom. Thank you for finding out who owned the land.” Fang replied.
“You’re welcome sweetie. So what’s your plans for the land?” Willow asked.
“Oh you know. A 200 room house and fill each room with grandcubs.” Fang replied with a smile.
“Good luck at getting Vapor to have that many.” Willow replied.
“You know Katia has a thing for me too. Ever since that day I helped her when she was in heat.” Fang replied.
“You haven’t done any more with her, have you?” Willow asked looking over at him.
“Of course not.” Fang replied.
“Okay.” Willow replied.
“Has she talked to you about her feelings about Tib and him claiming her?” Fang asked.
“No? What do you mean?” Willow replied.
“Nevermind. Forget I mentioned it.” Fang replied.
“Fang!” Willow replied.
“Forget that I asked that.” Fang replied and ran his fingers over his muzzle, zipping his lips. Willow sighed and rolled her eyes.
After getting back home Fang walked into the living room where Vapor was reading a book while she laid on a couch. He walked up and sat down beside her and smiled at her.
“You get that land?” Vapor asked.
“Um, about that.” he replied.
“Uh, I don’t like your tone,” she replied closing her book. As she sat it down Willow walked in and sat down in a chair.
“Ignore me, I’m not here and Fang, I’m not going intervene and save you,” Willow stated and picked up a book.
“Now I really don’t like it,” she replied.
“I paid twenty-five million on the land. But there was a whole lot more land that I had to buy,” he replied.
“What do you mean? Also you’re tone on the cost is odd,” Vapor asked.
“There’s over forty-three thousand acres,” he replied and smiled.
“Wow that’s a lot of land Fang,” she replied.
“It really is and it’ll be all of ours soon,” he replied.
“The money Fang. NOW!” Vapor replied.
“I had to take a mortgage to get it at the price I bargained for,” he replied.
“A mortgage isn’t all that bad. What five million dollars?” Vapor asked. Willow let out a short laugh but quickly recovered, causing Vapor to look over at her.
“FANG!” Vapor scowled.
“Almost … umm, well. Vapor, you know I love you right?” Fang said. Vapor stood up and crossed her arms.
“Stop stalling Fang!” She scowled.
“Almost fifty million dollars,” he replied and smiled.
“WHAT IN THE FUCKING TOTAL FUCKING HELL FANG ARE YOU FUCKING KIDDING ME?!” She yelled at him. Just seconds later after she yelled Tib, Katia and Pepper walked into the room to see all of Vapor’s fur standing on end. You could almost see steam coming from her nose and ears, only if wolves could smoke like that.
“No, I’m not kidding,” he replied. She looked over at Willow and frowned.
“He’s joking right? Willow? RIGHT?” She asked. Willow sat the book in her lap and placed her paws up not saying a word. Vapor looked back over at Fang, he had a huge smile on his face. All of a suddenly a loud crack sounded through the air and Fang placed his paw over his cheek.
“Fang. I know we have money but spending that much is stupid!” Vapor scowled.
“No, it’s not. The land value is only going to go up,” he replied.
“Get the fuck out. Go sleep over at Jaden’s house or someone. I don’t want to see you right now,” she scowled and stomped away. Pepper, Katia and Tib all looked at her as she passed them then back to Fang who just sat on the edge of the couch still holding his cheek.
“I told you,” Willow said.
“She’ll cool down and think about it. She’ll see that the investment is good in the long run,” he replied.
“I hope so. I suggest you go pack some clothing and do as she says though,” Willow stated then left the room.
Fang walked down the stairs and into the kitchen and up to his mom.
“Jay, Jaden and the others aren’t able to let me stay tonight. I’m going over to Izzy’s,” Fang said.
“Okay. Be careful,” Willow replied.
“Love you mom,” he replied and kissed her.
“Love you too Fang,” she replied as she continued cutting the vegetables.
After arriving at Izzy’s house he knocked and walked in. Izzy sat on the couch while her two cubs played on the floor.
“Thanks for letting me stay tonight,” he said.
“Yeah no problem. What happened though, if you don’t mind me asking,” she replied.
“Oh, I bought a lot of land and Vapor is kind of pissed about the amount of money it’s going to cost,” he replied.
“Jeez Fang. Don’t do something to lose her, she’s a beautiful girl, smart too,” she replied.
“Yes she is. I expect her to think everything over and let me come back home tomorrow,” he replied.
“So where am I sleeping at tonight? The spare bedroom?” Fang asked.
“No, Hanna and Drogo sleeps there now. You can sleep with me,” she replied.
“Izzy, do I have to worry about you doing anything to me?” He asked.
“Fang, you’re Vapor’s mate. I would never do anything to hurt that relationship,” she replied.
“I know you wouldn’t, but I just want to be cautious because of your therapy sessions,” he replied and smiled.
“Thanks Fang but I’ll be fine. I’ll keep my paws to myself,” she replied.
A week later, a Thursday afternoon, Fang and Vapor sat in the living room after getting out of school. The phone rang and Fang answered it. The bank called to say the land deed was available and they were ready to transfer it. Fang laid down on the couch and placed his head in Vapor’s lap. She looked down at him and smiled with a laugh.
“What are you doing?” Vapor asked.
“Nothing. Just felt like laying on you.” Fang replied.
“Was that the bank?” Vapor asked.
“Yup. Everything’s ready.” Fang replied.
“Still can’t believe that you want to spend seventy-four million dollars on land. Just to stop people from building on it.” Vapor replied.
“Never know. In ten or twenty years, when all other land is taken. I could sell it for much more than I bought it for. Say $20,000 per acre. Just think, we sell an acre for $20,000. Times that by 43,569 acres. That’s what, almost 900 million dollars?” Fang explained.
“In that amount of time, we’d have that much and much more just from everything else. Unless you keep spending it all.” Vapor replied.
“You know, I hear land in Texas can be pretty cheap. I’m thinking at least a few million acres?” Fang replied.
“No. Don’t even think about it.” Vapor replied bonking him on the head.
“Just think about it Vapor. Riding a million plus acres on horse back. Riding through the open fields on four-wheelers, wind blowing in our hair and fur. Living in a house with 200 rooms filled with cubs. The freedom of walking around inside AND OUTSIDE naked. A giant 400 foot long pool and multi-million gallon Koi pond. Have a dozen dogs that would jump and follow us around.” Fang stated.
“Oh yeah. Very nice. But we already have a large house filled with cubs that run around naked. You or me don’t know how to ride or care for horses. A dog would be nice though. And if you think I’m going to birth you 200 cubs, you can just divorce me and annul your claim on me.” Vapor replied.
“I would never do that, I love you far too much. Anyway, I should call mom and see if I should do this myself or if she wants to be there.” Fang said sitting up. He kissed Vapor and pulled out his cell phone.
“I really am sorry that I slapped you Fang and for kicking you out of the house for four days,” she said.
“It’s okay,” he replied and dialed his mom.
After a few minutes he sat his phone on the coffee table and kin d of frowned at Vapor.
“What?” Vapor asked.
“Nothing. Just Izzy,” he replied.
“What about her?” She asked.
“Like I told you, I had to sleep in her bed with her. She still has nightmares. She woke up in shrieking on the second night. Cold sweating and hyperventilating. After a moment she snapped out of it and looked around. She started crying and just wrapped herself around me hugging me tightly. That bastard is dead and still effecting her badly,” he explained.
“Yeah, she’s told me she still has nightmares on occasions,” she replied.
“I wish I could go back in time and stop him from taking her. I’d split his head open and slice his neck,” he said.
“Yeah but she’s happy to have Hanna and Drogo though. Even if they are his. She loves those two more than anything else,” she replied.
“Yeah she does. I watched Izzy smile every time she was playing with the two. She doesn’t smile hardly at any other time,” he replied.
“She’s working on it and is slowly overcoming it. It’s going to take years if not a decade or more,” she replied.
“I know. Anyway, you up for a ride into the city?” Fang asked.
“I guess. Let me see if Pepper and Shade would be willing to watch Onai and Luna,” she replied.
Fang drove down to the bank while Vapor sat in the passenger seat and Laika in her car seat. Vapor pulled at the six-point harness that laid across her breasts causing it to pull against her crotch. An hour and quarter later, Fang pulled into the parking lot and the three of them walked into the bank. They greeted Ms. Coccinellidae and sat down to fill out paperwork. Two hours later and twenty-five millions dollars was transferred out of Fang’s bank account, he was handed the deed to the land. With a few paw shakes they walked back out to the car and back home.
After they arrived home Fang placed the deed in the safe and headed back downstairs. Willow stood in the kitchen cooking with the help of Katia, Tib and Pepper.
“Happy Birthday Pepper.” Fang stated kissing her muzzle.
“Thanks Fang.” Pepper replied and hugged him.
“Mom. I own the land now. Deal went off without any issues.” Fang stated.
“Good to hear. Hope it was worth the twenty-five million dollars plus mortgage for the next fifteen years.” Willow replied.
“Fang, did you buy that land for your sweet, cute little sister?” Pepper asked.
“You are sweet and cute, but the land is mine.” Fang replied ruffling her hair.
“Aww, not even a little bit for a birthday gift?” She replied.
“Nope.” He replied.
Saturday morning came and the family got ready for Pepper’s fifteenth birthday party. Pepper invited only a couple of friends from school and of course family. After a short party and cake Pepper, Shade and her friends soaked in their hot tub since it was kind of cold that day, being 50 degrees Fahrenheit.
After the party and everyone had left, Pepper was sitting in her room when Fang walked through the open door.
“You enjoy your birthday party?” Fang asked.
“I don’t know. I feel like I’m too old for birthday parties.” Pepper replied.
“Enjoy them while you can, before you get too old. Look at mom, we rarely have one for her, and when we do it’s nothing like we had when we were younger cubs.” Fang replied.
“I do miss being a prepubescent cub. Not a care in the world, other than trying to stay out of trouble. No heat. No worries about hitting these stupid boobs.” Pepper replied pushing her B-sized breasts up.
“And running around the house in nothing… oh wait, we still do that.” Fang replied laughing.
“Fang. You’re a dingwolf, you know that?” Pepper replied.
“Yeah. We are an odd family. Vapor and I have cubs already. Cats living with wolves. An Otter is a mate to a wolf.” Fang replied.
“Incest, don’t forget that.” Pepper replied.
“Yes that too.” Fang replied.
“Fang, do you regret that day?” Pepper asked.
“Why? Do you?” Fang asked.
“No. It was a nice experience. So? Do you regret it?” Pepper replied.
“No.” Fang replied.
“Would you again?” Pepper asked.
“Probably not.” Fang replied. “Why are you asking?” He asked.
“Just curious.” Pepper replied.
“What are you two doing?” Shade asked walking into their bedroom.
“Nothing really thinking back when we were younger.” Fang replied.
“Good or bad stuff?” Shade asked.
“Both.” Pepper replied.
“That’s good, I think. I’ll get out in a minute. I just want to grab the twenty-four inch drawing tablet.” Shade said walking to his desk.
“Shade. You have any memories of when you were younger?” Fang asked.
“Oh, you mean anything other than being beaten and verbally abused pretty much daily? Getting tossed out in the rain and snow? Forced to sleep in mud? Nope, nothing other than meeting Pepper, claiming her and moving in. Pepper is the best thing that has ever happened to me.” Shade replied picking up the drawing tablet.
“Ah yeah. Sorry,” Fang replied.
“It’s okay, I’ll see you both later.” Shade said walking by Pepper.
Pepper grabbed him and pulled him backwards to the bed and hugged him.
“You’re the best thing that’s happened to me too Squiggles.” Pepper replied nuzzling him.
“You two want to be alone?” Fang smiled.
“No. We’ll play the tickling game later.” Pepper replied giggling.
“What’s the tickling game?” Shade asked.
“I was maybe seven, I heard Vapor howl in their bedroom. I asked about it at dinner later that day. She explained that Fang was tickling her, when in fact they were having sex. I remember mom almost fell out of the chair with her explanation. I was so young, I believed it and continued eating without any further questions.” Pepper explained.
“What about the time that I asked if you wanted to join in on the tickling game. Mom and Vapor looked at me as if they wanted to kill me.” Fang said.
“Oh yeah. I forgot about that.” Pepper replied letting Shade go.
“Play it safe you two.” Shade replied leaving the room.
With a smirk, Fang stood up and moved up to Pepper and started tickling her. She howled out in laughs as she tried to fight Fang off of her. Shade looked back at the two and shook his head and smiled. He pulled his phone out and took a picture of the two. After about a minute Fang let up on his torture and got off her and sat down beside her. Pepper laid there panting trying to catch her breath. She grabbed a pillow and hit him in the face with it.
“Meanie!” She said.
“Okay Pepper, I gotta head to the office and do some work. It was nice to actually sit down and talk with each other for so long.” Fang stated then kissed her muzzle.
“It was. See you later brother.” Pepper replied. He leaned down and kissed her muzzle and smiled at her.
“Goofball.” She replied. He smiled and left the bedroom.
Saturday March 5, 2022
$1,700.00 x 43,569 acres = $74,067,300
Down payment: $25,000,000
Loan Amount: $49,067,300.00
Monthly payment: $520,434.85
Total after 10 years at 5% interest when completed: $62,452,181.47
Bank profits from interest: $13,384,881.47
Property Tax (PT): $2,000,000.00/year
Home Insurance (HI): $20,000.00/year
Monthly payment with Property tax and Insurance: $688,768.18
Yearly payment without PTHI: $6,245,218.20
Yearly payment with PTHI: $8,265,218.16
I suck at math, so some of that might be wrong, even though I used an online mortgage calculator to help.
There’s a lot more for mortgages that I didn’t figure in, such as PMI (Private Mortgage Insurance). Mainly due from what I’ve researched, if you put more than 20% down some lenders may not charge you this. PMI can range from $20-70 per $100,000 borrowed. In Fang’s case, it would have been another $490.67 per month. PMI will usually fall off (meaning you stop paying it) once you’ve paid long enough to have built up a certain amount of equity in the house.
All that said, everything that I’ve researched has been for house mortgages, not for empty land. So I don’t know if it would be the same or not. So take this with a grain of salt and don’t use it for information about buying land or houses, go talk with a bank or mortgage loan lender. :)