Alpine pasture

Chapter 572 American Diaosi
Ju An gnawed on the lunch in his hand, turned his eyes away from the Western view, and turned his head to see that this young man was actually reading a professional book, unlike many topless girls on the lawn who were reading casual books, they were reading N Gray Gerry Mankiw's "Principles of Economics" Don't think that Juan knows who Mankiw is. Juan knows that it is a textbook only when he sees the name on the cover of the book.

Seeing the young man seriously reading the book, frowning and thinking about it from time to time, Ju An felt that this was much better than when his buddy was in college. At that time, besides reading novels, he was so absorbed in reading textbooks. The class is less than three days away from the exam.

Seeing Ju An staring at the book in his hand in a daze, Foreman smiled and said to Ju An: "You also like Professor Mankiw's economics?".

"I don't know much about economics. I'm just a small rancher who usually grazes cattle, so I don't need these things," Ju An said to Foreman with a smile.

After hearing what Ju An said, Foreman asked, "An, so you are a rancher? Then you don't have to worry about learning these things."Hearing that Ju An was a rancher, Foreman knew that Ju An definitely belonged to the rich class, so he shook the book in his hand and said to Ju An, "I can't! Midea's loan, I don't know if I have a job after I graduate soon. Now that the economy is in such a downturn, the pressure to find a job is too great. For ordinary schools like ours, graduating means you are unemployed. Sha Nimei doesn't care about you. Is it unemployed? A brother I know graduated last year and earned just enough to live on. Apart from renting a house and living expenses, there is not much left. Sha Nimei calls eight times a day. When he can’t get through, he directly calls his At his parents’ house, he wanted to apply for an extension, but was laughed at by them, almost making him sell his blood to pay off the debt.”

I do know about Sha Nimei, but I heard from Liu Chao. At that time, Liu Chao said that this organization was called Kill Your Sister, which is a ruthless thief.This is an organization that gives loans to college students across the United States. To put it simply, don’t you have no money to go to college? Well, I can give you a loan. You can pay your salary after graduation. To be honest, it’s like buying a house in China and paying in installments Seems like.

But now that the economy is in a downturn and it is hard to find a job, this Sha Nimei has largely become a professional debt collection company.And this company is also very funny. Eight calls a day is the maximum limit. The bank can make up to eight calls to the debtor every day. If there are too many calls, it is harassment and lawsuits. If it is too small, it cannot serve as a good reminder. debt effect,
Higher education in the United States used to be known as the incubator of the American middle class. Now due to economic problems and the lack of funds for higher education in the United States, the role of higher education in regulating the flow of American social classes has gradually weakened. As long as short people can work hard and receive higher education, they can jump into the middle class of the United States in the past, and they may have better development. Now this thing is about to fail, and the tuition fees of American universities are rising every year. , so that the middle-class families in the United States can hardly bear it, let alone the poor.

Of course, for a rich man like Ju'an, the tuition fee of tens of thousands of dollars a year is really drizzle. This has formed a phenomenon that the children of the rich can receive higher education no matter what, while the children of the poor will soon be able to receive higher education. Don’t underestimate this. This mechanism is one of the foundations of the American dream. Americans also know that knowledge can change their destiny, and they have a much deeper understanding.

Thinking of this, Ju An said to Foreman: "Didn't the two Houses of Representatives propose the Student Loan Fairness Act? How is it going now?".Ju’an didn’t know about it by reading the news, but by reading his own email. When you open your email in the United States, you will receive a lot of begging emails, which are emails from some political organizations or congressmen. Tell you about your own political views. If you want to agree with them, you can donate. They all come with a fund account. Donations are not much, just a few dollars. Don’t look at how many dollars a person has. When there are enough people, It can shake the White House. This is the long-tail theory of the Americans. In fact, in the old saying of our Chinese, it is to gather sand to form a tower.

The two Houses of Representatives proposed this bill. Simply put, it is the 10-10 rule. Under the current economic conditions, college students only need [-]% of their disposable income in the ten years after graduation. In the future, no matter how much of the loan is left, it will be written off. Now we are soliciting everyone's support.Once the bill is passed, it is the banks that will suffer first. As for whether it can be passed by the House of Representatives and the Senate, and finally handed over to the President to be signed, it is not yet known, but it has a great response among college students.

Foreman shook his head and said: "It's still being promoted, and the specific results don't know what will happen! But even if this bill is passed, so what? The economic downturn still can't find a good job. When you graduate, you can find a four-year job." I can be satisfied with a year’s work of ten thousand dollars.”Foreman looked at the book in his hand and smiled wryly.Then he continued to follow Ju An and said: "Even if you have a good job now, if you want to maintain a good standard of living after retirement, you must have at least 200 million US dollars of property at your disposal, that is to say, you must invest it over several decades." The income needs to reach 200 million US dollars to ensure that the standard of living will not decline in the future, so I just looked at this and wanted to learn about investment. After graduation, I can save part of the income and invest in stocks.”

Hard-working American dick, Ju An sighed in his heart. In the past, tuition loans in the United States were linked together. Student loans completed their studies, and then the loans were repaid after graduation. The repaid loans were used to pay for subsequent students. Tuition fees have formed a cycle, and now the economic crisis has completely broken this chain.Now some politicians in the United States are aware of this, and they proposed the bill. These politicians realize that the economic crisis cannot be passed on to the younger generation. Elimination, all in all, the rich get richer and the poor get poorer.This situation has threatened the foundation of the United States.What is the American dream? The American dream means that you can change your destiny as long as you work hard. An African-American in Oregon can become the president. This is the American dream.

After eating lunch and meeting an American dick, Ju An said to Foreman: "Then how do you plan to distribute your future income, just buy stocks? This thing is too volatile, in fact, I suggest buying a piece of land. ".Ju An has a natural fear of stocks. Not long after graduation, he managed to save 8000 yuan, and then bought a stock happily. Who knew that within a month or two, his pants were almost stripped by the stock market. .Now Ju An only has two stocks on hand, the stocks of Wells Fargo Bank and Liu Chao's software company.For Juan, nothing is better than investing in land insurance now.

"The return time of land is too long, and the amount of funds required is too large." Hearing what Ju An said, Foreman shook his head and said, "I decided to invest 80.00% of my savings in stocks and 20.00% in bonds, so Now take advantage of the time to read some books on economics."After speaking, he shook the book in his hand.

Since the building was hit by a plane, Americans have learned to save money, but the way Americans save money is also strange. Most of them like to invest in the stock market, but they don’t care much about gold. Buffett said that gold It’s a rooster that can’t lay eggs, which means that investing in gold is nothing to make a profit. This comrade has confused a group of young people, but not all Americans like to invest in stocks. Some people, like Chinese people, like to save money in the bank , thinking that they are more talented in saving money.

After chatting with this American dick for a while, Ju An threw the food box into the trash can next to him. Foreman continued to read the book, and Ju An also looked around boredly. Anyway, there was nothing to do when I went back to the hotel. I read it for a while , was about to lean on a chair and squat under the shade of a small tree for a while, when Foreman's girlfriend came over, just naked from the upper body, without any sign of embarrassment, flipping through her bag, After changing the book, I went to lie down with my friends on the lawn again.

Ju An moved her body, and saw Forman's girlfriend's bag turned upside down, with a shiny sign on it, GA2M!He said to Foreman: "Your girlfriend's bag is good, very expensive."Just after I finished talking about Ju’an, I was a little stunned. This brand is my own. This bag is definitely not produced by my company. The leather is different. Both white and gray cowhide are soft. White cowhide is thicker. This cowhide looks hard.

"Counterfeit, my girlfriend likes it so I bought one. The genuine one is too expensive. This brand is not like other brands. It is produced in China. The smuggled and genuine ones are produced by the same company. The production of this brand is in China. Near New York, the unique cowhide used is hard to imitate," Foreman said with a smile to Ju An.

Damn, after sitting in the park for a while, I ran into a person carrying a fake brand of his clothing company. My buddy is always lucky.Smiling at Foreman, he asked, "Is it easy to buy these counterfeit brands here?".

"You don't seem to be in New York often, do you?" Foreman said with a smile.

Ju An nodded: "My ranch is in the west. I came to New York this time because of something. I'm actually not very familiar with it."

"Now the vicinity of Canal Street has become a center for counterfeit products. Some congressmen said with emotion that New York is the world's piracy capital," Foreman explained jokingly to Ju'an.

Ju An heard that there is nothing to do in the afternoon anyway, so why not just go to the fake goods market in New York, beat the child on a rainy day, and be idle, when the Americans are protesting whose intellectual property rights are not protected, they can I laughed twice in my heart, entertaining myself.Even if you don't have time to hehe, it's equivalent to visiting a small commodity city in China now.

(End of this chapter)