Chapter 267
Cyra
After breakfast, I notice a couple of my more daring pack members come over to introduce themselves to Quirin and Kennedy, Kennedy draws them in quickly, the pack latching on to the love and kindness that the exudes.
Surprisingly, after the initial nervousness of meeting Quirin, our pack members seem to relax around him. He oozes confidence which makes a pack feel safe and since he’s not being aggressive in any way, more pack members start coming over, at least to say hi..
“We’re going to go warm up and wait for Alpha Quirin to come show us some new moves,” Zach says, practically bouncing on his feet. “Plus, I need to come up with a good code name for him. Slasher, maybe,” he says, making all of us roll our eyes.
“I’m pretty sure I’ve made my own name sufficient to put the fear of the Moon Goddess into anyone who thinks of crossing me,” Quirin says as we head to the office.
“Well, yeah, there’s that. Hmmm, maybe we need to find someone who gets the codename Quirin,” he says to the others as we walk away, making Quirin chuckle.
When we’re in the office, I have us sit around the table.
“Warren and I haven’t had a chance to go through our pack’s finances yet, Alpha. But I would definitely be interested in your proposal. Once! have a better understanding of our finances, I’ll be able to review your suggestion and let you know if it’s possible,” I tell him.
“It’s possible. I’ve made sure it is,” he says, pulling some paperwork out of his back pocket.
“First, congratulations. This is our gift to you as the incoming Alphas of this pack. It’s not done yet, but it should be by the end of today or tomorrow,” he says, sliding a piece of paper over to us.
I lean forward to read as Kennedy smiles up at her mate. He wraps an arm around her and kisses the top of her head as he watches us.
“This is the intent to purchase the land between our pack and your new one,” I say, looking up at him.
“That’s correct. That is our gift to you, mine and Kennedy’s,” he says, his body jerking slightly and his features softening. I would guess that his mate just sent a wave of love to him through the bond.
“This is too much, Quirin. You’ve already done so much for us,” Yorick says, echoing my own thoughts.
“The twenty million was a loan, this is a gift,” he
says.
“I don’t even know if we can pay you back for the twenty million, Quirin. I have no idea what my father’s finances look like. I don’t know if we
can accept this,” I say.
“It’s a gift, and I’m not taking it back. As for the other part, don’t argue with me until I’m done explaining my proposal,” he says, gently but firmly.
I look at Yorick. I can feel his same resistance to accepting such a generous gift when we’re already so indebted to Quirin.
“What’s your proposal?” Yorick asks.
He holds up a finger. “Before we get to that, I’d like to take care of that pesky alliance business. As if our families wouldn’t be allied, but for the sake of other pack’s knowing, I’d like to make it official. I’ve also brought a second copy with Connor’s information so you can sign one with him before he returns home. You’ll have to make time to meet up with Henry to sign one with him,” he says.
I quickly walk to the desk and grab a couple of pens. “This I don’t have to think about,” I say, moving to the last page of the two copies of the
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agreement and signing it quickly. Quitin and Kennedy have already signed them.
I slide it to Yorick, and he quickly signs both documents. We return one of them to Quirin, who folds it and puts it in his pocket before looka
atus.
“In the future, you should read all documents before you sign them,” he says, turning the copy in front of us to the second page and pointing to the spot that says that we accept
ept our gift of the land between our packs.
My mouth drops open and I look back up at him. He’s smirking and he shrugs negligently. “It was Kennedy’s idea. She knew you’d argue he says, pulling his mate into a hug again.
“I see Quirin is rubbing off on you, Ken,” Yorick grumbles to her.
“This is an important time for you, for both of you. It’s a big deal. I know you never planned to lead a pack, Yorrie, but this gives you all sort of options. Mom’s going to be here, primarily, for a year. If you wanted to build a new teaching hospital here, under her direction, you could and then that could help fund your pack. None of the rest of us had to start from scratch like the two of you are. Well, Quirin did, but even he had his father’s investments to help him out. It’s very possible that your father has nearly bankrupted this pack and if that’s the case, you’ll need options for income. My brilliant mate has some great ideas, but this is too important for either of you to let your pride get in the way,” she says, looking from Yorick to me.
“Okay, maybe we should talk about your proposal,” I say.
“Good, because this is exciting,” he says. His grin is so wide it’s practically splitting his face.
“And in no way was this my idea. Like you, Yorrie, I hate the financial stuff,” Kennedy says.
“And you? Do you hate it too?” Quirin asks me.
“I love it, I just don’t understand it all yet,” I say.
“You and I are going to get along great,” he says, leaning forward and walking us through his proposal.
“The money you borrowed from me is just under twenty million dollars. That number is shown here. This line is blank until you and Warren get a handle on your pack’s finances. Once you know how much you can repay me each month, that amount will go in here. And once that number is available, these other numbers will be filled in, but for now, we’ll talk in general numbers.”
Yorick is watching, but I already know the look on his face. Now that we’re mated, I can feel it in the bond, too. It’s the miserable feeling of having to look at and understand these numbers.
I smile and reach out to put my arm around Yorick’s shoulders. “Don’t worry, lover. I’ve got this.”
“Thank the goddess,” he says, sitting back.
Quirin chuckles but continues. “When you pay me each month, I’m going to invest that money in one of my accounts. I have multiple investments that I know are profitable. I monitor them constantly and if, at any time, the investment I have your money in is no longer profitable, I’ll move the funds to an investment that is. I’ll make sure you know that I’ve done it, but I’ll be monitoring the money and the investments on my end. I will send you the statements quarterly when they arrive.”
Actually, that’s great since I’m not savvy about investments at all.
“Eventually, I’d like to learn about those investments, how you monitor them, how you determine if they’re good investments, all of that, if you’re willing to teach me.”
“Absolutely,” he says, before turning back to the sheet. “Each quarter, you’ll get a dividend statement. Half of that money will go to me, to repay your loan and the other half will be reinvested into the account.”
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“Creating compounding interest?” I ask, starting to gel excited.
“Exactly,” he says, grinning at me.
“Each month, you’ll continue to pay the loan, each quarter you’ll pay an additional chunk of the loan out of your dividends, and the rest witt go back into the account.”
My mind begins spinning with the possibilities. I have no idea how much money we can afford to pay him each month, but if the investments are profitable, that compounding interest will earn more and more each time we reinvest it.
“Cyra?” Yorick asks, leaning forward.
“This could work, Yorick,” I say, my eyes watching Quirin.
“Of course it will work. I won’t let you fail. As I said, if one investment begins to falter, I’ll move the money. Over time, you may want to spread your investments out. But, and this is the good part,” he says, pushing another paper in front of me. “I did some quick math.”
I lean forward excitedly again.
“I used easy numbers, knowing you don’t know how much you can repay each month. It doesn’t matter to me if it’s a thousand dollars or ten thousand dollars. Obviously the more you can afford, the faster you can pay off the debt. I went with a split of five thousand a month. Based on the current return of investment in the plan where I intend to put your money, if you provided five thousand dollars a month, your first quarter’s dividend would be this. Fifty percent of that comes back to me, and the rest reinvests,” he says, showing me the numbers.
“The second quarter would be here,” he says, pointing to a number and making Yorick whistle. “Is that really how fast it would accumulate?”
“Current market value, five thousand dollars a month and the entire fifty percent of your dividend reinvested, yes,” he says, looking at me excitedly.
“At the end of year one, you could have paid me back, two hundred and fifty thousand dollars,” he says, flipping the page.
“Whoa!” Yorick says, but I’m focused on Quirin. This could really work!
“At the end of year two, that doubles, so you will have paid me five hundred thousand dollars at the end of year two and seven hundred and fifty thousand dollars in total. That doubles again in year three, and …”
“How many years before it’s paid off?” I ask excitedly.
“Eight. But there’s more. If you continue with the investment, and you know markets shift, so again, these are easy numbers and we still don’t know what you can afford. But if you continue to reinvest your dividends at the end of that eight years, all one hundred percent of your dividends, you could have twenty million dollars of your own money before you pass this pack to your Alpha heir,” he says, sitting back with a smug look on his face.
“Holy mother Moon Goddess!” Yorick says beside me.
“I told you he was brilliant,” Kennedy says proudly.
I look at Yorick and then back at Quirin.
“Where do we sign?”
“Here. But, and this time I’ll make sure you understand it, this agreement is also the purchase of the Christer’s old pack. So, not only are you paying me back, you’re buying his pack lands which will connect nicely to your newly gifted lands and this pack,” he says. “It’s too far away for me to manage it, but it bumps up right against your new territory.”
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