This is a work of fiction. This story involves a young woman losing her virginity to the new owner of her father's house back in the nineteenth century. If any of that disturbs you, then you should stop reading now. Any similarity to real names or real people is coincidental. Constructive comments are always welcome, but please read the whole story to the end before you comment.
My philosophy is that a story should be like a woman's skirt. It should be long enough to cover the subject, but short enough to keep it interesting. I try to do that in my stories. You may or may not agree with me as to where I should end a story, but know that I end each story where I think it should end. If you haven't already figured it out from the previous chapter, Rob (one of the main characters) is really only interested in the sexual side of these girls, so don't expect much in the way of background.
Nobody in this story was under 18 when they had sex.
Ophelia was the daughter of an upper-class couple in New York City. She was born on April 30th, 1875 in her parents' bedroom. Unfortunately, there were complications, and her mother only lived a few days after she was born, leaving her with only her father. That wasn't to say, however, that she didn't have any women in her life. Her parents had servants, several of whom were women.
When Ophelia's mother died, her father hired a wet nurse to suckle her and look after her for the first two years of her life. Then, she was given to a governess, who educated her in their home until she was old enough to go away to an exclusive girls' school. Her father wasn't super wealthy, but he was a factory manager and had invested heavily in the stock market, which considerably increased his worth.
Ophelia had a hard time adjusting to the boarding school at first, but soon was able to get along and even made friends, and since she was allowed to go home every summer, she was also able to make friends with girls who lived nearby. Everyone agreed that Ophelia was a beautiful girl. With fair skin, blue eyes, a pencil-thin waist, and long blonde hair, she was envied by her friends.
It was just before she was to graduate when disaster struck. She had no idea what was about to happen to her. On May 5th, 1893, the bottom fell out of the stock market. Stock prices fell more than they ever had in the past (or in the future for that matter). Her father was overextended, and he couldn't pay back the loans he made to buy the stocks. In addition to the stock market crash, thousands of businesses collapsed, and the company Ophelia's father worked for was one of those.
When her father figured out that he was ruined, it was just too much for him. He had leveraged everything he owned, including his home, and had nothing left. He walked out of the window in his seventh-floor office and made a quick trip to the pavement below. Ophelia was now an orphan, but it took two days before she was actually informed of this fact at the boarding school. Two policemen came to the school to inform her and the school of her father's death.
When Ophelia regained her consciousness after fainting, the officers and the head-mistress were hovering over her as she lay on the couch in the head-mistress' office. The head-mistress talked with the two officers, and then asked Ophelia what she would like to do. Obviously, she would have to arrange a funeral for her father, but the mistress asked if she would return to the school for graduation at the end of the month.
Ophelia had no idea whether or not she would be able to attend graduation. Her world had just crashed around her ears, and she didn't even know the extent of that yet. She was escorted to her father's home, and a servant let her in. The next morning, her father's attorney came to see her.
It turned out that her father had made the necessary arrangements for his own funeral long before disaster had struck, so at least she didn't have to deal with that. Obviously, due to the circumstances, it would be a closed coffin funeral. Since there were no other relatives that Ophelia knew of, she asked if the funeral could be taken care of quickly, so the attorney arranged to have the funeral and burial in two days' time.
Disturbingly, though, the attorney told her about her dire financial situation. There was no money, and the house would be repossessed by the bank. She could live there until that process was final, but there would be no money to pay the servants. While the attorney was still there, Ophelia called the servants into the parlor, and told them that she would have to let them go immediately because she could no longer pay them. They were shocked, but understood that she had no choice. They were gone by the end of the day.
This left Ophelia alone in the house, wondering how she would be able to live. She spent that night, and several more to come, crying in her bed, worried about her future. There was still food in the house, and she knew how to cook, so she wouldn't go hungry, but nothing else was certain.
Ophelia stayed in the house by herself for a couple of weeks before anything changed. One morning, she heard noises downstairs, so she went down to investigate. A man was entering through the front door with the key in his hand. She was scared, and she asked him who he was. He must have seen the terror in her eyes because he calmly introduced himself. "I'm Joseph Wainwright. I am the new owner of this property. I bought it yesterday from the bank. And you are?"
Ophelia was stunned. She was staring at a well-dressed man in his mid-twenties, who had declared himself the owner. Tears immediately started streaming from her eyes, but that didn't last long before she fainted and fell down. She was only wearing her nightdress, having come downstairs straight from bed, and when she woke, she was lying on a couch, and the man was leaning over her. He had obviously carried her there.
When she came to, he again asked who she was. She replied, "My name is Ophelia Watson. This was my father's house and I live here."
"I see," he said. "I heard about what happened, and I am sorry about your father."
Suddenly worried, Ophelia immediately asked what she had wanted to know since learning of her father's death. "Will I have to move out? I have no place to go and I am terrified."
Joe smiled at this beautiful young woman and told her, "I'm sure that we can work something out where you can stay, provided that you are willing to do your part."
"I will do whatever I can," she replied. "I can cook and I know how to take care of a house, if that is what you are talking about."
"That would be part of it," he stated. "I am not married, so I don't know how to do any of those things. If you are willing to accept whatever duties I give you in return for room and board, then you won't have to go anywhere." In reality, Joe was seeing a lot of potential for a relationship with this girl. He just didn't want to spring it on her so quickly. "By the way, you can call me Joe."
"I will do whatever you ask," Ophelia replied.
"I am not comfortable with a typical master-servant relationship though," Joe said. I would prefer that you act more like a wife than a maid."
Ophelia's eyes lit up. "That would be wonderful."