Since Yang Zhu lived in an empty shop not far from Jefferson, he has been pulling his new friends to look around all day long, and asking questions, like a new curious baby.

Although Jefferson felt that his Chinese friend was a little too curious, the "mysterious Oriental" was nothing no matter how eccentric his personality was;

In addition, he seems to have liked this feeling of being able to "show off" at any time, and after two years, under Yang Zhu's intentional or unintentional prodding, Jefferson actually began to be keen to take Yang Zhu around......

………………

"Hey, old Jerry, see what I've brought?" Jefferson greeted loudly into a tent,

A man who didn't seem to be very sloppy poked his head out of the crack, first said hello to Jefferson, and then looked at Yang Zhu beside him defensively,

Yang Zhu naturally understood what he was guarding against, first turned sideways, revealing a dense street tent under the moon, and then shrugged his shoulders and made a harmless expression, the man hesitated for a moment, and finally opened all the zippers and led the two into this tent of only 2 square meters.

After taking his seat with some difficulty, Jefferson first moved a plastic bucket that was half filled with scrap copper and rotten iron without any surprise, and then sneakily took out a bottle of rum from his bosom and shook it proudly;

The man known as Old Jerry was overjoyed, and quickly took out a few deflated paper cups from the bag in the corner of the tent, and then looked at Jefferson with a wistful expression;

Jefferson smiled, didn't take a gesture, just twisted the lid of the wine bottle, and suddenly, a mixture of alcohol and caramel flavor permeated, old Jerry first rolled the Adam's apple greedily, and then remembered something, and quickly turned sideways, blocking the two clothes in a mess at the edge of a few gaps in the tent.

Jefferson laughed and said, "Old man, you're too careful, the moon is so big tonight, those guys don't dare to be so breathless." ”

Old Jerry ignored him, first listened to it, and found that there was nothing abnormal, then he sighed a few times with difficulty, and said in a somewhat difficult voice: "Recently, everyone's mood has become more and more irritable, there have been several brawls, and wine is their favorite thing, and the heart is always right." ”

Yang Zhu listened to the rhythm of his words as if he was stuttering, and was a little surprised, and Jefferson explained to him: "Old Jerry has rarely spoken since he became a wanderer, and if he goes on like this, I guess he will almost forget that he still has a tongue." ”

Yang Zhu took the wine bottle from Jefferson's hand, and gave the paper cup in front of old Jerry half a glass of wine, and then gave himself two skirts.

Jefferson first introduced Yang Zhu, and then raised his glass: "I haven't seen you for more than half a year, and I'm very happy to see you alive and well, for the sake of friendship!"

Yang Zhu and Old Jerry also raised their glasses: "For friendship!"

Then took a sip, Yang Zhu felt the inferior flavor and hot burning sensation on the tip of his tongue, a little unaccustomed, this dog said Lin Tu, I don't know how to buy a slightly better bottle of rum, what is the difference between this thing and industrial alcohol mixed with caramel flavor?

After a few sips of wine, old Jerry's mood rose, and his words became much smoother: "Jefferson, why did you suddenly come to me today!?"

Jefferson pointed at Yang Zhu: "Well, my curious Chinese friend wants to know a few more American friends, and it just so happens that one of his friends who has just joined the [Wanderer's House] has brought another bottle of wine today, I don't think you like to drink rum the most, so I came over." ”

Old Jerry was immediately impressed by Yang Zhu, and he also wanted to seek help from the "Wanderer's Home", but because he had a hobby of alcohol and a record of violence, he was rejected;

And this young Asian man in front of him can let the members of the "Wanderer's House", who has always been averse to alcohol, take the initiative to give him alcohol, what kind of relationship is this?

Yang Zhu looked at him carefully and smiled:

"We Huaxia people have different views on alcohol than you, and we have never had a law that explicitly stipulates that minors are not allowed to drink alcohol;"

"In fact, in our country, wine is a very important cultural symbol, and there are many areas when the children are still very young, well...... When I was a few months old, I would dip my chopsticks in some wine for them to taste;"

"And on major festivals, even if the children are not adults, parents will let them drink some wine with them;"

"It is precisely because we have been easily exposed to alcohol that in our country, there are not many behaviors that can really be called [alcoholism], and the self-restraint after drunkenness is much higher than yours, so the degree of harm to social order is not serious;"

"On the contrary, in your country, it is precisely because the law is very strict, and the punishment for underage drinking is also very important, everyone will be so curious about alcohol, once they become adults, they will drink a lot, it is easy to get addicted to alcohol, because their antibodies to alcohol are very weak, it is easy to do some crazy things;"

"The two countries have different attitudes towards alcohol, and it is not surprising that my friend would give me alcohol privately, because he is convinced that with my restraint and self-restraint after being drunk, there will be no trouble. ”

Old Jerry nodded thoughtfully: "Yes, many things are like springs, the more ruthless you are suppressed at the beginning, the more violent the rebound will be after letting go of the restraint!"

As if finding a common topic, the two Rao chatterboxes gradually opened, and they communicated around wine and wine culture;

Half an hour later, Yang Zhu saw that Old Jerry was already a little drunk, so he began to introduce the topic:

"Old Jerry, I heard that you used to be a micro-electrical equipment repairer, and then because of six consecutive ultra-long overdue mortgages, you were forced to repossess your property and had to live on the streets?"

"But I listen, in your country, the salary of micro-electrical equipment maintenance personnel is not low, why is it so many times in a row that it is overdue?"

Unlike Huaxia, in the United States, due to the protection of the law and the scarcity of employees, the income of technical blue-collar jobs such as micro-electrical equipment maintenance workers and plumbers is far greater than that of those financial scammers on Wall Street, but it is far more than that of ordinary office white-collar workers;

Especially in a super metropolis like New York, an ordinary micro-electrical equipment maintenance worker has a monthly salary of at least 6,000 US dollars, plus equipment replacement and depreciation, etc., and can get at least 7,000 US dollars per month, which is a very good job in the United States, where the median income is 4,000 US dollars;

Old Jerry burped, and then said depressedly:

"That's because I listened to the nonsense of those real estate agents at the beginning, and in two years, I gave myself a loan to buy 5 properties in the Bronx;"

"At the beginning, I watched the housing prices continue to rise every time, and the increase is much higher than the loan interest rate, and I feel quite high, and I feel that I have found a very good way to manage my finances;"

"But just two and a half years ago, our company's efficiency became worse and worse, and the boss started to lay off employees with a wave of his hand, and I was fired because I was older;"

"Originally, I didn't worry too much, after all, there are so many properties in my name, although the location is not good, far less valuable than those apartments in the city center, but I can sell a set casually, how can I last for two or three years;"

"Unexpectedly, when I took my own compensation to make up the loan for the most convenient property, and then put it up for sale at the real estate agency, I didn't sell it for nearly 2 months;"

"You know, this situation is very abnormal, in exchange for 5 years, as long as there is a house listed, no matter how remote the geographical location, it will always be snatched up, many times you have to be lucky to grab it;"

"Later, I learned that I don't know what's going on, the houses in the New York area are not very good to sell in the past two years, and although the agents I hung up occasionally consulted, they were not satisfied with its location and price,"

"At that time, my savings were already empty, and I still had 4 properties in my name to repay the loan, and there were even high property management fees and insurance premiums to pay every year, so I had to sell them at a reduced price;"

"Unexpectedly, I lowered the price three times, and even fell to 80% of the initial purchase price, and still no one buys, and I immediately faced the overdue mortgage, and finally had to sell the house directly to the agent at the price of 60% of the original purchase price;"

"Poor for that property, I paid a total of nearly $250,000 with interest, and in the end, less than $100,000 was returned to me;"

"After that, I kept looking for a job, and I kept getting disappointed, and the monthly mortgage was still a big expense;"

"In this way, in less than a year, all my savings were emptied, and I could only occasionally do odd jobs and recycle some waste products to add some meagre income to myself, and the overdue time was getting longer and longer;"

"In this way, a year ago, most of the properties under my name were taken back by the bank because they were overdue for too long and too often, and even my original residence was forcibly repossessed, so I could only sleep on the streets!"

At this point, old Jerry poured a sip of rum hard, but there was a hint of gambler-like madness on his face:

"But I still hope that there is a property that has been mortgaged, but the private bank will come to me this year and tell me, as long as I can pay off 60% of the current year's loan due within a year, which is $10,000, they can return the house to me, and the monthly loan amount will be lowered, and the loan term will be extended!"

"I calculated that according to my income per scrap pickup, as long as I am lucky enough to get more important auto parts and electronic components that can be reprocessed, I am sure that I will pay the 60% of the loan due,"

After listening to this, Yang Zhu had a general assessment in his heart, which is a projection of the phenomenon of "de-industrial manufacturing" caused by the gradual dominance of high-tech products and finance in the United States' foreign trade;

This shift in strategic focus will seriously form a "head focus" effect, which will lead to a relatively deformed economic restructuring process, so that a large amount of resources and social purchasing power will be concentrated in that 1 social class, and the consumption power of the grassroots will continue to shrink, and over time, the internal circulation and liquidity of the entire social capital will be greatly weakened;

According to the law of economics, most of the M2 currency and more and more M0 funds are pouring into the financial circle and a small number of high-tech products, which makes the blood circulation ability of the whole United States weaker and weaker;

Coupled with the weakening of the United States' ability to suck blood from foreign countries and the invasion of various cost-effective foreign products under the trade deficit, it is not surprising that the domestic demand economy of local residents has obviously been unable to maintain sufficient number of jobs and income quality;

Yang Zhu compared the information he got at the beginning,

According to the rough division of the income group of ordinary American residents of 1:3:3:2:1, this old Jack is strictly speaking, among the 30% of the middle- and high-income people at the beginning, although it is only the edge of the lower limit, but his situation is very instructive;

After all, the old Jerry was a high-quality borrower, and his kind of overdue repayment can reflect the real situation of those subprime borrowers to some extent;

Substituting this part of the Rao statistical sampling index into the corresponding mathematical model can make the elastic space threshold of the final number more.

So he asked, "Among the colleagues and friends you know, how are you in this situation?"

Old Jerry's eyes were a little drunk, and his eyes were hazy:

"You know, New York may seem big, but most of our circles are actually very, in the same circle, people tend to make similar choices;"

"So, most of my colleagues are like me, and almost all of their savings and credit lines are invested, and there are not a few people like me who have taken out loans to buy several properties in the first place;"

"But now, those colleagues who are still working are still trying to repay their loans, but with the economic downturn, it seems that everyone is getting more and more difficult, and those colleagues who have been fired, except for a few who are very lucky enough to find new jobs, most of them are like me, either returning to their hometowns or becoming homeless. ”

At the end, old Jerry seemed to remember something, and instantly said confidently:

"But I believe that these difficulties will pass!"

"You see, our dollar is still the strongest currency in the world, our economic growth is still very strong, and our stock index has been rising!"

"And on the radio, a steady stream of buyers from all over the world are coming to the United States to buy American fixed assets, and real estate is one of the hottest projects!"

"As long as I can keep ownership of this house and find a buyer who is willing to take over, then I can live a normal life again!"

Yang Zhu said that Jerry's "radio news" is not wrong in the strict sense; there are indeed buyers from all over the world who come to the United States to buy real estate for various purposes, some invest, some want to immigrate legally, some avoid risks, and so on;

And the first to bear the brunt is those retail investors in China......

But at this time, I am afraid that most people will not know that the speed and scale of bad debts generated by US real estate have far exceeded its investment function;

Merely......

Yang Zhu looked at the old Jerry who was depressed, but still believed that he could survive this catastrophe, but he had another question in his heart;

If more than half of the Americans who are overdue are still optimistic about U.S. real estate, then those capital institutions can cover the lid longer by spreading good news and inducing people to cut the tail of deals.

Well......

It seems that this timing is very mysterious, should I sum up with Lin Xiong's old fox and find some way to do it?

Thinking of this, Yang Zhu thought of another world, the "Faint Water Company" that ruined "Dalu Tea";

Sure enough, it is still necessary to use the stupidest way to get the most real data, which is the most valuable for evaluation!

Slightly proud, Yang Zhu suddenly remembered something, and asked Old Jerry:

"Old Jerry, you had a private bank that not only did not completely confiscate your property, but also took the initiative to find you and was willing to give you more lenient loan repayment terms?"

Old Jerry sighed with some emotion: "Yes, thank God, it turns out that in the United States, there is still good forgiveness!"

Yang Zhu smiled noncommittally and continued to ask, "Can you tell me what the name of that bank is?"

………………

More than ten minutes later, Yang Zhu and Jeffrey got out of the tent with some dizziness;

The two of them consciously quickened their pace and walked towards their "residence".

When passing by a lamp pole, Jeffrey finally couldn't help but vomit;

After a long time, he felt better, and looked at Yang Zhu, who was constantly stroking his back,

He suddenly smiled: "Yang, can you tell me what you do?"

Yang Zhu was stunned in his hand, and in an instant, he was dazed:

"I used to be a cook!"

"As for now, I'm barely a rookie wanderer!"

Jeffrey smiled a little strangely: "A helper wouldn't go around the bush to ask for this bad information about real estate;"

Looking at Yang Zhu, who was a little surprised, he smiled smugly: "Don't forget, I used to be a teacher, and you can't hide your actions from me!"

Yang Zhu stared at him, his eyes began to flicker......

………………

Just as Yang Zhu was thinking about how to round out this lie,

Jeffrey leaned over excitedly and asked quietly:

"Agent Huaxia?"

"Are you planning to organize a riot?"

Yang Zhu looked at Jeffrey with a black line: "You have watched too many 009 movies!"

There was a cold sweat in his hand, although it was not accurate, but it was not far off;

Jeffrey was slightly disappointed, and then came to his senses: "Secret investigator of a United Nations human rights organization?"

Yang Zhu hehe: "Do you think the United Nations dares to investigate the United States?"

Jeffrey pouted a little boredly and turned his head away.

Yang Zhu became interested: "Jeffrey, as an American, why do you seem to want the United States to suffer a little mess so much?"

Jeffrey was drunk, and shouted loudly with some presumptuousness:

"Go to TMD's America!"

"Once upon a time, I loved my country very much,"

"But now you see, does this country full of moths and hypocrisy love me!?"

As soon as the voice fell, there was a whistle not far away: "Dude, good! Go to the United States of TMD! Go to TMD fair!"

Jeffrey, like a triumphant general, turned around proudly and made a hat salute,

Then he grabbed Yang Zhu's collar violently and said viciously:

"Yang, I regard you as a friend, you can't deceive me!"

"So ......"

"Tell me, who are you?"

Yang Zhu looked at his somewhat frightened and evasive eyes, and sighed helplessly:

"Well, I'll tell you ......"