An ordinary Buick sedan drove into the Vinda community and drove all the way to the community office, because there is no such setting as the neighborhood office and the community management committee in the United States, the councillors elected by the community generally organize a self-governing group on their behalf as the most basic management body.

Omar was waiting at the door of the office, and when he saw two Chinese faces getting out of the car, his eyes immediately lit up, and then Omar walked over in three or two steps: "Mr. Zhou Ming, you are finally here, I am very worried about you." ”

These two people are Zhou Ming and his bodyguard Zhang Lin, Zhou Ming faced Omar's concern, he smiled and said: "Thank you very much for your concern for me, but I don't think anyone else thought that I would come back, so in general I am still very safe." ”

Zhou Ming saw that Omar wanted to say something, so he said first: "I think we should go into your office and talk about business, right?" And I think this place is more dangerous than in your office, because I remember that Congressman Brooke sent someone to follow me back then. ”

When Omar heard Zhou Ming say this, he immediately became nervous: "Is there such a thing? Congressman Brooke is simply the behavior of a great dictator, Mr. Zhou Ming, please come into the office." ”

Saying that, Omar took Zhou Ming into his office, which still has the sign of Congressman Bother, but Bothber has long been driven home by Omar to rest, and now this office is Omar's exclusive space inside and out, except for the signs and photos that should be there. Omar took Zhou Ming to sit down on the sofa in his office.

"Mr. Zhou Ming, please forgive me for being direct, I know you have something very important, but you can completely inform me and let me do it for you, you don't need to come and take this risk yourself. Omar looked at Zhou Ming sincerely and said, "You know that the Addams family is not a soft-hearted family, and now it seems that they have lost their minds, if something happens to you in the Vida community, I will be miserable for the rest of my life." ”

Zhou Ming patted Omar on the shoulder with a smile and said: "I accept your concern, the reason why I want to come here in person is not because I don't trust Omar, but because I need to see the information I need on the front line." You must know that there are many things that you can never fully grasp if you don't see them with your own eyes and just listen to other people's narrations. ”

Zhou Ming thought for a while and said: "And there is another point, I have a feeling that if I come by myself, there may be some unexpected gains." ”

At this time, Zhou Ming said that this sentence was just a joke, but in the end, he didn't even expect it.

"Okay Omar, I think we can stop talking about the other topics, I need to know about the Vida community. Zhou Ming said.

Although Omar was still worried about Zhou Ming's safety, he understood the purpose of Zhou Ming's adventure, so he quickly made a decision, and then he introduced Zhou Ming to the situation in the Vida community.

In fact, Zhou Ming also knows a little about the situation in the Vinda community, after all, he also organized a campaign in the past, although he failed in the end, but he did not forget the information he learned at that time.

The Vinda community is in the northwest corner of Fenway, a mid-range community backed by the Charles River, but although it is said to be a mid-range community, it does have independent villas and exquisite floors, etc., but due to some reasons such as publicity and location, it is inhabited by many ethnic minorities such as Chinese, Hispanic, African-American, and Native American. In Brighton, a city dominated by British and French immigrants, coupled with the natural superiority of white people, such a community naturally became the most upscale community in the hearts of mainstream Brighton.

This so-called grade is only in the eyes of traditional Brightons, but in fact, due to the good location of the Vinda community and the relatively high housing prices, it is very difficult for ordinary people to become owners here without a mortgage, especially for these discriminated minorities.

"After receiving your call from Mr. Zhou Ming, I have investigated the information of the residents of the community in the past two days, at least among the people I have seen, there is no one who is not a loan. Omar said.

Zhou Ming nodded silently and then asked, "Then are they all subprime loans from loan companies?"

"Minorities are discriminated against here, even by banks, whose credit ratings are so low that they can't get normal preferential loans, and they have to resort to loan companies. Omar said.

Zhou Ming could hear that Omar's tone was a little angry, he reached out and patted Omar's shoulder to comfort him, Omar also reacted, smiled apologetically at Zhou Ming, and then Zhou Ming asked again: "So Omar, have you investigated their main loan company?"

Omar nodded and said: "Yes, because they need to take the property as collateral for loans, so it is recorded in my information, according to my statistics, the most subprime loans for the residents of the Vinda community is an investment company called Brooke." ”

"Brooke Investments?" Zhou Ming said in surprise.

Omar said: "I don't think you guessed wrong, Mr. Zhou Ming, this Brooke Investment Company is the property of that senior Massachusetts congressman. ”

Zhou Ming couldn't help but laugh, because this situation was something he never expected, although he knew that Councillor Brooke had an investment company in his hands, but the entire city of Brighton was so big, there were so many investment companies and banks, and at the same time, the Vinda community was also a concentration of ethnic minorities, which was considered a piece of fat for subprime loans, how could he run into Brooke Investment Company?

But it doesn't seem strange to think about it carefully, Brooke is an important member of the Addams family, maybe this is the benefit given to him.

"I didn't expect that it was really a family that didn't get together!" Zhou Ming sighed, and then asked, "What about the proposal to let these minorities go bankrupt and default?"

For this question, Omar's face showed embarrassment for the first time: "Mr. Zhou Ming, I think this problem is a little troublesome, because the Vinda community is not a new community, many people have lived here for more than a year, and even for three years, it is not easy for them to give up their property without any reason." ”

Zhou Ming nodded: "This is what I expected, I came here today for this matter, Omar, you helped me get ready, right?"

Omar also nodded and said, "If Mr. Zhou Ming insists, I will take you there immediately." ”

Zhou Ming spread his hands: "Of course, I am always ready." ”

After getting Zhou Ming's answer, Omar immediately picked up the phone and made a pager, and after about a quarter of an hour, someone knocked on the office door, and then a fat black man walked in.

"Johnny is worthy of the original school team, and he is very fast running, although you are now a fat man. ”

Omar first got up and greeted the black man, and then introduced Zhou Ming: "This is Johnny, he is the manager of the African American group in the Vida community, you can get the most accurate answers to some questions about my African American compatriots, in a sense, he can represent the other three hundred and fifty compatriots." ”

"I said Omar, I know you're very eloquent, but you can't say that about me, I'm not that powerful, I've just lived here for a long time, I've been in contact with them longer, I know their minds better, that's all. ”

Johnny turned to Zhou Ming after speaking: "This is Mr. Zhou Ming, right?

Zhou Ming said to Johnny: "I'm very happy to meet you Johnny, maybe you don't know what I do, let me introduce myself first, right? I am an insurance company, and my company will always have assets of hundreds of millions of dollars." ”

Hearing hundreds of millions, Johnny's eyes widened, and Omar explained to him: "That's true, Johnny, don't you always wonder where my money came from? I can tell you that it was this Mr. Zhou Ming who helped me." ”

Omar's words made Johnny gasp, and he then said to Zhou Ming, "Mr. Zhou Ming, I hope I can help you." ”

This time, Johnny's tone is obviously much more sincere than before, it seems that colored glasses are really everywhere!

Zhou Ming felt a little helpless in his heart, and then he said: "Because of the industry I am in, I know some news, it is about subprime loans, I know that many people in the Vinda community have applied for subprime loans, right? ”

Hearing something about himself, Johnny nodded, and his expression became serious.

This made Zhou Ming inevitably feel a little relieved, Brooke Investment Company was deliberately said by Zhou Ming, the purpose was to make him pay more attention, and now it seems that the effect is not bad.

So Zhou Ming continued, but his continuation was a rhetorical question: "Is it like Johnny, do you know how the loan from Brooke Investment Company came from?"

"Didn't you borrow from the bank?" Johnny said uncertainly.

"Yes, Brooke Investments' money does come from banks. Zhou Ming then changed his words, "But do you know how he got the loan?"

Johnny shook his head, and Zhou Ming told him, "He used your property as collateral to make a loan to the bank. ”

"But isn't that normal, because we can't get enough good loans from the banks ourselves. Johnny said incomprehensibly.

"If that's just the case, that's okay, even it's a business rule that he charges you a high amount of interest, but do you know how much money he borrowed?" Zhou Ming paused for a moment before making a gesture and said, "One billion dollars." ”

Johnny was surprised: "How can there be so many? Isn't it almost more than the value of our community?"

"This is about to talk about something called financial leverage, which is more complicated to explain, but in simple terms, it can rely on your collateral to make excess loans. Zhou Ming said.

"But with so much money, if something happens to Brooke Investments, the bank will take a loan, and even if we sell all the mortgaged properties in our community, we can't afford to pay for it!" Johnny said.

So in order to avoid his own risk, he sold all the mortgage contracts to others. Zhou Ming said.

This made Johnny even more surprised: "Can these contracts be sold to others? But these contracts are inflated, so how can they make money? Isn't it a fool to buy whom?"

"Don't worry, Johnny, because those people aren't stupid, they're very smart. Zhou Ming said, "It's still the thing called financial leverage, and other people also make profits through this, and then sell it to others, just like this, it is upside down in front of many companies, Johnny, you are so smart, I believe you can definitely guess the final result." ”

"No matter what leverage is not leveraged, but the value remains the same, there will always be someone who can't bear it in the end. Johnny guessed.

Zhou Ming nodded and said, "That's it, then your property will be repossessed by the bank, and then all of it will be auctioned off, and you will become homeless." ”

"How so? But this is our home, what are we going to do?" Johnny asked in a panic.

Zhou Ming was waiting for Johnny's words, and he told Johnny: "It's very simple, file for personal bankruptcy and don't repay these loans!"