Godly Fisherman

More than ten years ago, the terrible subprime mortgage crisis broke out in the Stars and Stripes and swept the world. At that time, countless banks and funds went bankrupt. The fundamental source of the subprime mortgage crisis was ultimately related to housing prices.

Everyone knows that Xingtiao has a complete credit system and everyone has their own credit history. It is easy to go to the bank for loans with good credit, and if a person with bad credit applies, the bank will not accept these loans.

What is a subprime loan? The simplest explanation is: loans to people with bad credit.

In the first few years of the 21st century, housing prices in the Star-Stripe Countries have grown at a rapid rate, which is comparable to the increase in China’s housing prices. And this has led to countless families in the Stars and Stripes that cannot afford to buy houses. Many people with low income or poor credit cannot apply for a home loan.

Originally, this matter was normal. When it was put in Huaxia, you could buy if you can afford it, and don’t buy if you can’t afford it. However, the government of the Stars and Stripes Government was reluctant and interfered in this matter: they put pressure on various banks and financial funds to make them Relaxing lending standards can grant more loans to low-income people so that they can have money to buy houses.

The Star Stripe Nation did not live Lei Feng, their purpose. . . . . . Cough, learn from China, and increase GDP while solving employment problems through infrastructure development. In those few years, housing prices rose rapidly, and no one believed that housing prices would go down, so those loan companies issued a large number of subprime loans.

Moreover, the repayment methods of these subprime loans are also very interesting. In the first few years of obtaining the loan, only an ultra-low loan interest rate of about 1.5% is required each year. It will only increase to a high level after a few years of repayment to make up for the previous years. Low interest rates.

What the loan company does this is to allow more people to apply for subprime loans so that they can increase their income.

What if the loan is not repaid? Confiscated the house. Anyway, they all think that the house price will not fall, as long as the house is taken back as collateral and sold out, let alone no loss, there is even a gain!

But what drove them crazy: the house price really plummeted.

For example, someone bought a house worth one million dollars with a loan. As a result, there was still a loan of 800,000 US dollars that had not been repaid. At this time, the house price fell by 500,000 US dollars and there was no trend of rising. Of those 100 people, 99 would not continue to repay the loan, but directly Give up the real estate-----After all, the value of the house is only half a million dollars, why bother to repay the 800,000 dollars loan for half a million dollars?

So those loan companies had piles of cheap real estate in their hands. In order to recover capital, they could only sell them out cheaply. This once again lowered house prices. So at that time, a large number of banks, funds, and the like closed down.

And because these financial institutions are large global financial institutions, the subprime mortgage crisis in this star-bar country soon affected the global financial industry. In the end, even financial crocodile like Lehman Brothers could not bear the final bankruptcy, and the damage can be imagined.

Of course, besides them, the most unlucky people are those people who applied for subprime loans. The previous loans were repaid in vain, and in the end they got nothing. Ordinary people like Joseph who bought houses in that period were also deeply affected-house prices fell so badly that they could only sell their houses in the end.

And who is the happiest? That's the rich people who bought real estate for a long time. During the subprime mortgage crisis, house prices fell to one-fifth of their peak period. Small villas in the flat area of ​​Beverly Hills could be bought for only two to three million dollars at that time! This Li Jianguo is the house he bought at that time and then sent out.

As a Huaxia, he knows Huaxia people too well. There are such cheap and comfortable short-term rental houses when traveling out, except for those who can be invoiced for reimbursement or not short of money, who would stay in that big hotel? So his business is booming.

It's better now, not only facing a huge fine, but also facing the disaster of jail.

After all, two words: I made it myself!

For many Chinese people, money is more important than fate, and they are not afraid of losing their fate. Many people would rather go to jail to leave the money to their family and descendants. It's okay now. Although they don't need money, they may be exempt from prison, but for such a person, no one makes them more painful than a fine.

Looking at the blocked door, Xiao Peng was a bit speechless, where would Nima live?

Qiong took out a centurion card like Xiao Peng and said: "It's okay, I book a hotel now, and my credit card has customer service, so I can find the hotel." After speaking, he glanced at Xiao Peng, meaning It's'Look, I'm effective when it matters.'

As a result, Xiao Peng patted his forehead: "I almost forgot about this. It's okay. I have it too. I will call the MasterCard Customer Service Center and ask them to arrange a room."

Joan watched Xiao Peng call, and said to Joseph on one side: "Now that the police are so rich? Can they also get the Centurion Card?"

Joseph was taken aback, what kind of policeman was Xiao Peng? He is an honorary police officer! Joseph hurriedly explained: "Xiao is an honorary policeman, and ordinary policemen are not as rich as him. He is really rich in identity."

Joan thought for a while: "Does his job allow him to be so high-profile?"

Joseph explained: "He is actually very low profile. You see, his compatriots did not know him just now. But you also know that as long as you have money these days, it’s hard not to be noticed. If he wants to be high profile If so, now we should be surrounded by paparazzi."

Joan was dumbfounded: "Secret agents are like this these days?"

"Secret agent? What's the mess?" Joseph was a little dizzy: "His other identity is the fisherman."

After hearing this, Joan nodded: "I understand, I understand, I won't speak out! He has done this for our Star-Spangled Nation, living in danger every day, and enjoying a better life is also right."

Now Joseph is completely dizzy, what secret agent? What do you contribute to the Stars and Stripes? I know every word you say, how come I am confused?

Seeing Joseph's expression, Joan put his finger on his mouth: "Okay, don't say it, I won't ask. I know it all!"

Joseph is completely stupid, you know what you tell me! What secret agent is Xiao? Is Xiao a secret agent sent by Huaxia? That's not right, then what contribution has he made to the Stars and Stripes? You can explain it to me!

At this moment, Xiao Peng came back: "Oh, let the Cannonball Speed ​​Contest take place. It is not easy to reserve a room in Redondo now. There is only one presidential suite.

Just a moment. But there is also a good thing. I booked the Crowne Plaza Redondo Beach and Marina. Especially, the name of this hotel is really awkward. But there is the starting point of the Cannonball Speed. Swear to God, I always thought "Cannonball Speed" was a story that happened in a movie. "

When Jackie Chan first arrived in Hollywood nearly 40 years ago, he participated in two popcorn movies, namely "Cannonball Speed" and "Cannonball Speed ​​2", in which he played a Japanese driver. The first was a pure supporting role. , The second part is a bit more.

This can’t be blamed on him. The two films were big names, and it’s already amazing to be able to play.

The content of the story is also very simple. It is the story of a group of racing drivers from all over the world participating in an illegal racing race across the Stars and Stripes. There are all kinds of cars, trucks, sports cars, ambulances, and even police cars. The movie tells the story of these drivers fighting each other along the way.

Xiao Peng always thought that this was just a movie story, and now he knows that this'cannonball racing' race has a long history in the Stars and Stripes. From 1933, the racing driver Baker drove a motorcycle across the east and west coasts of Stars and Stripes for 54 hours. After his'feat', and another extreme challenge called'Bull Racing', the Stars and Stripes are loved by the people of Stars and Stripes. It is an event that has persisted for nearly a hundred years. It runs from Redondo Beach in Los Angeles to Washington DC.

(PS, there are two Hua-Sheng-Dun in the Star Strip State, one is Hua-Sheng-Dun State on the border of West Coast and Canada, and the other is Hua-Sheng-Dun Special District on the East Coast, where White House is located.)

This event is actually very interesting, right? Really has not been legally recognized, it is considered an illegal event; but you say it is illegal, right? It's really like in the movie, there are many police cars participating in this event, just like the initiator of this cannonball race is a policeman.

It's just that the police participating in this game is really not to win the championship, but more like a ceremony.

The police of the Stars and Stripes are a high-risk occupation. It is still a question whether they can go home alive every morning. The promoter of this race has been hit by bullets eight times. It is a miracle that he is still alive. . But not everyone can encounter such a miracle, so he launched this bullet car race, hoping to draw the attention of the community to the policemen who died in their duties and their families through this competition, and they will also visit the policemen who died in their duties along the way. Family members, transfer the donated money to those family members who died in the line of duty.

The most famous example is that in 2006, a guy named Alex Roy and his co-pilot set a record of 31 hours and 4 minutes. The average speed is 144 kilometers per hour, and there are big cities in the middle, and time is wasted when encountering traffic jams, refueling the car, going to the toilet, and so on. After deducting the wasted time, their real speed should be kept above 200 kilometers.

This is properly speeding! But when the reporter interviewed the police in the states along the way, they waved their hands: they didn't crash or hit people, and they weren't found by the police officers of the state when they were passing through the state, so we don't care about it. . . . . .

So this game is the kind of game that is legal and illegal.