Chapter 32 Investment

"Mr. Rometh, we already know something about your good credit. However, although you have a stable job, the salary return is not optimistic.

This is not a student loan, nor is it a business loan with collateral, just a line of credit. So, according to our assessment, you can only have a maximum of $15,000. ”

Zhou Zhen frowned, obviously not very satisfied with this number. But this is already the most suitable Da Mo, and their operation in stock investment is far more convenient than that of several other banks.

And in the small place of Tallahassee, the sharing of information between several banks is obviously to change banks, and they will not get more than this.

Loans for the poor will never be satisfactory.

He hesitated for a moment and asked, "If I use your bank's investment and wealth management services, and your bank will handle the funds, can I have a higher limit?" ”

Hearing Zhou Zhen say that he would not withdraw the funds, but only used the loan to invest, and handed it over to their bank to operate, the attitude of the staff was a lot more enthusiastic.

"Of course, if that's the investment model, you can increase your amount to $25,000."

"Very well, let's sign the agreement."

A total of three agreements were signed, one loan agreement, one entrusted investment agreement, and one notarization agreement.

Zhou Zhen belongs to the world of legal workers, and it doesn't cost much to hire a colleague to do notarization.

When the amount of assets in the account does not exceed $25,000 plus interest, Zhou Zhen cannot withdraw a penny from the savings account to the investment account.

But Zhou Zhen is not worried, looking at the history of Internet enterprise development, Cisco's stock development is also a miracle.

From 90 to 00, their stock appreciated by 1139 times, especially after 97, every time they say that their stock has reached the top, a little hesitation, there are several times higher.

In contrast, Microsoft's stock has farned far worse over the same period.

This was mainly due to the fact that they were the only router company at the time, and any network needed their terminal equipment.

They monopolized the entire industry for many years before being broken by Huawei.

This kind of unicorn company, as long as it is not a large-scale stock market crash, as long as the monopoly is not broken, the stock market performance will not be bad.

Zhou Zhen bought Cisco shares at a price of $4.1 per share, which is 15 times from Cisco's peak of more than $70 even if it is not reweighted.

However, Cisco has been listed since 95, and the stock price of $1.85 per share seems to have only tripled after the reinstatement, but it has actually been reinstated every year.

In other words, if you bought 10 shares for $18.5 the year before, it has now become 30 shares at $4.1 per share, which is actually more than six times higher.

At present, Cisco's market value is only more than $10 billion, which is at least forty or fifty times higher than the highest market value of $600 billion.

It's enough just to become a millionaire in this small part of Tallahassee.

If this does not satisfy Marianne, then it only proves that she has been tempted by the devil.

Back at home, Zhou Zhen didn't hide anything from Marianne, and directly handed over a few contracts to her.

"What is this?"

"I went for a loan today and used it to make some investments. I want to think about our future, and I don't want to be living in a rented apartment in three years' time. ”

Marianne didn't look at these loan documents, but looked at Zhou Zhen very seriously and said, "Kevin, I think we need to talk." ”

Zhou Zhen felt a little bad. "I'm listening."

"I'm happy about your plans for our future, but you left me out of this matter and didn't discuss it with me at all, which makes me angry."

Zhou Zhen knew where he had made a mistake, he was doing it with the mentality of a Chinese person, but he forgot that this was the United States.

Moreover, it was a small closed town in the United States in the nineties.

Equality between men and women is emphasized here, and they are equal to each other in terms of responsibilities and obligations.

For example, a woman will not marry you because she has no money, and she will not marry you because you don't have a house.

Buying a house, buying a car, or even buying food for a day, women think it's natural for them to spend their money, rather than just letting men pay for it.

Then, in such an environment, Zhou Zhen didn't discuss with Marianne at all and went to apply for a loan, which was not only disrespectful and distrustful of Marianne, but also an insult to her.

So, having figured this out, he immediately hugged Marianne, looked into her eyes and said seriously: "I promise, I didn't tell you today just because I didn't want you to worry, because my investment was a bit risky, and it was never because of disrespect to you." I love you, I want to make you happy, but I don't want you to worry. ”

Marianne kissed him, and in the sweet moment of the newlywed, she believed Zhou Zhen.

But when she saw the loan amount, she exclaimed, hugged Zhou Zhen's head and asked, "Are you crazy?" ”

"I'm sure I'm sober."

"Twenty-five thousand dollars, a huge sum of money that we can't pay off in five years."

Zhou Zhen is a prosecutor, and he only gets less than $2,000 a month, while Marianne has even less, and he doesn't have all kinds of insurance, so he needs to buy it himself.

The expenses of two people are offset by their income, and it is good to have a thousand dollars to spend sparingly, and most of the time, not even a penny can be saved.

$25,000 seems to be just one year's salary for Zhou Zhen, but it really requires five years of savings.

And Americans, for the most part, don't know what a deposit is.

Zhou Zhen hugged Marianne, provoked her with his own touch, and melted her with a gentle breath. "This is an investment, not a consumer loan ......"

"But we can't afford to pay back the interest......"

Zhou Zhen was a little helpless and explained to her: "As long as our investment is profitable, we don't have to worry about repaying the loan and interest." ”

"What if I lose?"

"Believe me, I'm investing in Cisco stock, they make routers, and any network can't do without their products, so their stock doesn't perform too badly when there are no competitors."

Marianne was still a little uneasy, and said worriedly: "Kevin, this is too risky. ”

"For the sake of our future, it's worth the risk."

She was still uneasy and said: "I was going to add a dishwasher to my house this month, but now it seems that I have to take out a loan to buy a computer first, and I also need to pull the network cable...... And it costs money. ”

Zhou Zhen hugged her, the foreheads of the two touched each other, and said gently: "This is also what I want to tell you." Marianne, I don't want anything to change in our lives, because any change has the potential to cause problems in our feelings, in our lives. I think you can grant me a request. ”

"Kevin......" she licked Zhou Zhen's lips. You know, I'll grant you any request. ”

"Don't pay attention to this, don't even pay attention to it, don't let it affect our lives.

Every month in the future, we only need to look at the bank statement, and when we make money, we will eat a big meal, and if we lose money, we will save a little and leave the interest for this month. ”

Zhou Zhen is not afraid that he will not be able to make money, but he is afraid that he will disturb Marianne's heart because of making money from stocks.

If she sees that stocks are so easy to make and is hooked on them, she may become the source of temptation.

Stocks, such as fast money, are the easiest to be tempted.

Once the heart is floating, it is difficult to settle down again.

Zhou Zhen thought about letting Marianne change jobs, but it definitely couldn't be this kind of work with ups and downs.

He would prefer her to open a flower shop, a bookstore, which is plain and more fulfilling.

He had actually thought of what Marianne would do, which was to open a café and sell milk tea.

Milk tea is popular in the United Kingdom, but it is not popular in the United States, but it is still okay for a small shop to be a special product.

Tallahassee, though small, has two universities in the downtown area, one Florida State University and one A&M University.

Two universities are together, open a café and bubble tea shop in their area, not to mention how much money they make, they shouldn't lose money.

As long as her life is full, not empty, and her life is delicious, she will not be easily tempted.

It's just that the two of them are now poor, and he can't take out the money to open a café.

So he hasn't told Marianne about this plan yet.

What he has to do now is to guard against the temptations he will face in the future.

The following days were still dull and fulfilling, and Zhou Zhen's daily work was to contact the police station, conduct legal analysis of the cases reviewed by the police department, and then file a lawsuit.

The other job is to select twelve jurors for each case in the court, which is his job.

Arrogance and vanity are both one of the seven deadly sins, and Zhou Zhen has always avoided being so sassy as the protagonist in the original plot.

In the first ending, the protagonist commits suicide, and in the second ending, the protagonist commits suicide and comes back to the first case he started to handle.

This time, he gets the beast teacher the punishment he deserves, and then triumphantly brags it off to his journalist friend, and finally, the reporter turns into his satanic father and starts laughing, and the plot ends.

This ending also implies that Satan can be anyone, who can commit the seven deadly sins at any time.

The pride of Lucifer, the greed of Mammon, the wrath of Satan, the hope of Asmodeus, the gluttony of Beelzebub, the jealousy of Leviansen, the laziness of Baal-Peor.

These seven original sins are what Zhou Zhen must try to avoid.

Thinking of this, he couldn't help but feel sad and ridiculous.

In the real world, a pampered gentleman, when he arrives in the illusory world, he has to learn to be a good person.

Moreover, it is really difficult to be a good person who really thinks about others!

However, he had no choice, because he knew very well that if he fought against the system, the world would have results.

Losing to the system, he may not be able to keep the bottom line at all.

But to win the system, he has a certain autonomy.

For the sake of this goal, the world must be stabilized.