Harry Potter’s Morning Light

  Chapter 892 Dust in the fireworks

  Costa Rica is very popular among American retirees. There are two vast beaches on the ocean, with lush scenery in the middle and tropical climate. The cost of living is reasonable, the crime rate is low, and the politics are stable.

  Medical care in big cities is both good and cheap. The state encourages foreign retirees with the lowest pension or social security income. One of the major benefits of immigration to Costa Rica is high-quality, low-cost medical care.

  Costa Rica has implemented medical socialization so that all citizens have the right to receive medical care. This fact makes the country one of the best in the world's health care standards.

  The United States and Costa Rica do not have a tax treaty to avoid double taxation, but Costa Rica does not tax the foreign income of retirees. As a result, Costa Rica has become an immigration destination for many American retirees.

  Immigration to the United States is becoming more and more stringent, but if you really want to be a "free American" you can use Costa Rica as a springboard. Immigration to Costa Rica has no language, education, or any residency requirements and directly obtains permanent residency.

Costa Rica is very close to the United States. It is more than 1 hour from Miami in the United States and more than 2 hours from New York. Because there are many Americans living there, it is very convenient to apply for visas. Holders of permanent residence permits can get them if they meet the requirements. If there is no bad record in the United States for a multiple-entry visa for one year, a 5-10 year round-trip visa to the United States will be obtained.

More than 70% of Costa Rican citizens go to universities in the United States and Canada without applicants’ investment. It is the country with the highest happiness index in the world. It has rich natural environment, suitable climate, stable society, suitable for living, moderate housing prices, and high social welfare. The medical facilities are sound.

That is the "back garden" of the United States. There are many preferential policies for overseas tax avoidance. The Costa Rican passport is exempt from visas in more than 100 countries around the world, and you can live in Spain for more than 2 years. According to the regulations of the Spanish authorities, you can apply for Spanish citizenship and obtain Spanish nationality.

  However, such a heaven-like place is still inevitably ugly. Death can make all good things ugly. There is a Costa Rican woman who suffers from a serious brain disease. The development of modern medical technology still has nothing to do with her illness. So she prayed to John Paul II, but she recovered without medicine.

  What other words can describe besides miracle?

  The United States has a good relationship with the Pontifical. In 2002, a high school named after him was established.

  As we all know, the American Dream is as illusory as the Catholic paradise, except that one pursues happiness after death, and the other pursues happiness in life.

  The most common immigrants to the United States are marriage and residence. Real estate in the United States is already in a bubble, which often requires high mortgages. ****Family financial services company will give you a lot of legal and other related services.

A new immigrant has always had a good credit, and her monthly payment has not been cut off. The Americans call those who do not pay the monthly payment "Lao Lai". How can a "decent person" who has received modern higher education be regarded as an immoral "old man" "Lai", what kind of person would owe money and not pay it back?

  "Taxpayers who repay on time should not repay those who fail."

  "This is the United States. Some of you will repay for neighbors who have several bathrooms and live in big houses, but don’t have the money to repay the loan!"

But people are not as good as the sky. She was unemployed, or someone in the family was sick and needed money urgently, so she called the **** family financial service company, hoping to delay the repayment, the sweet voice operator suggested her to do that. She promised to continue to lend to her in the future, but she just had time to change her breath, and the court recovered her right of redemption. Overdue fees and fines were incurred, which were packaged and fed back to the national credit agency. The credit damage prevented her from receiving The mortgage company extended the loan. Even if she could sell her house to repay the loan, the damage would last for several years, and she would receive an eviction order shortly afterwards.

  In the U.S. immigration law, there is no relevant clause that can apply for residence status by purchasing real property. Only Greece and other European countries and some island countries have a house purchase immigration law.

But in reality, people can still hear the "green card for buying a house" advertisements in many places, so some people are interested in bundling some American real estate and formal immigration projects to enter the market in the mode of buying a house and sending immigrants. In this way, the immigration steps are in line with the formal process, and the applicant does invest funds in exchange for a set of real estate and US immigration services. This is the service provided by the **** family finance company.

US EB-5 investment immigration is essentially a venture capital immigration. All funds need to be invested in business activities that can create jobs. There must be both the risk of loss and the possibility of profit. If it is purely to buy an apartment, villa or land , Do not meet the regulations, then you will not be able to get your identity.

But one way is feasible: By investing in commercial real estate in the United States, such as investing in hotels, hotels, restaurants, etc., you can become a shareholder of the project and own part of the commercial real estate. After that, commercial operations will be normal and a sufficient number of jobs will be generated. , You can get the identity. After you get your status, you may receive some surplus real estate when you withdraw from investment or liquidation, such as hotel apartments and suites. At this time, you can resell them and you will still have a profit if you are lucky.

  At present, in most parts of the United States, the supply of hotels and apartments is far greater than the demand, and the occupancy rate of many hotels is less than half. Investing in this type of business is likely to lose money.

But directly tell investors that the money invested may lose money, so many people will definitely not do it. Therefore, in order to attract investors, some developers promise to refund the investment in full and provide you with some collateral. These collaterals It's the house.

With the equivalent value of real estate as mortgage, domestic investors will feel more at ease. After all, the house will not run and the house price is relatively stable. However, this kind of mortgage agreement is a shameless drawer agreement. If you submit an immigration application , And the official disclosure of this mortgage agreement, then the EB-5 investment immigration application will be yellow, because this is not in line with the venture capital in the EB-5 immigration policy.

If you bypass the official and sign the agreement privately, then the developer will have nothing to do if you don’t recognize the agreement. The victim cannot appeal because once the appeal is made, it is equivalent to admitting the fraudulent immigration application, and the green card will have to be withdrawn. At that time, most of the applicants would be dumb to eat Coptis chinensis, and there is no way to tell.

  It was Steen National Bank that was suing the Costa Rican woman. Fortunately, it survived the Great Depression and did not go bankrupt, but she has never dealt with this bank. Who is it? Why do you want to get involved with her? Why do you want to take her house?

She signed the agreement with the **** Family Finance Company. There is no **** in it, and there is no Steen National Bank. She has always returned the monthly payment to the **** Family Finance Company in Steen Country. The bank has no record of her loan repayment.

The only thing she could find was the **** bond acceptance company. They signed an agreement with Steen National Bank. The **** bond acceptance company is the depositary, and Steen National Bank is the trustee. ***Bond acceptance companies provide mortgage securities issuance services.

She is a nurse. Maybe she knows how much cyanide a person drinks can kill, but she doesn’t understand the results of this investigation. In short, she is facing a situation that she will be deported if she can’t afford the money. Her only way is to find a way to Her house was redeemed, but the lender canceled her right to redeem, unless she finds another institution similar to the **** family finance company to "buy a house immigrant".

  This is still the case where the real estate has not collapsed, and she can repay the loan after selling the house. If the house is sold but the loan cannot be repaid, it is another situation.

During the Great Depression, thousands of people lost their families every day. Faced with this cruel reality, Roosevelt passed a plan in which homeowner loan companies could buy overdue mortgages from financial institutions at a discount, and they would give borrowers. In a twenty-year installment payment, the borrower only repays the interest each month and the principal is due. This approach can only ease the contradiction, because many families will still not be able to come up with the principal after twenty years.

Ordinary homeowners’ loan companies will no longer sign agreements to lend, but take the house directly. People become homeless in middle age, which is worse than homelessness when they were young, and these families still have children. Roosevelt again Through the Federal Housing Administration, it specifically provides insurance for homeowner loan companies. Borrowers only need to buy insurance, the government provides guarantees, and the loan company then lends money to the borrower.

  This is not a national debt, but the country’s reputation is used as a guarantee to assume full responsibility for losses caused by the borrower’s inability to repay or the depreciation of the house. Therefore, for mortgagees, mortgages insured by the Federal Housing Administration are basically free of bad debt risks.

  Although the Federal National Mortgage Association is managed by veterans, it is a private enterprise. It also has a name called Fannie Mae.

  U.S. real estate companies expand and immigrants live in, but immigrants have to enjoy U.S. benefits. If Americans can earn money, military expenditures, security, sanitation, and other social benefits have to spend money.

  The United States needs immigrants, but what it needs is to meet the high-quality "talents" it needs, bringing wealth, knowledge and employment opportunities.

Those newly graduated mathematicians—quantitative analysts, are busy packaging subprime loans into AAA bond products every day. Their income can reach 400,000 US dollars a month. They are called alchemists in the financial world. Turning undesirable defective products into "safe" products is the same as turning base metals into gold through alchemy stones.

  However, just like alchemy is a scam of money, these financial alchemists are also scammers, with the same superb methods, and ordinary borrowers can easily become the prey of such predatory tricks and scams.

The house is for living, not for speculation. Unless it is a lunatic, most people will not borrow money to speculate in stocks, but some people borrow money to speculate in real estate. If they use leverage and borrow hundreds of millions of dollars, no one wants them. When they die, they become bad debts when they die.

  The music of rock and roll came to an abrupt end. The owners of houses that could be refinanced in the past experienced financing difficulties. In fact, when the initial overdue rate of borrowers began to skyrocket, the danger signal had already appeared.

  The initial overdue rate means that the borrower is unable to repay the monthly payment as soon as the money is released. At this time, like a Costa Rican female nurse, she has always had a good credit, and the monthly payment was repaid on time, but the phenomenon of sudden foreclosure began to appear in large numbers.

That's what Lucius Malfoy's American friends warned him. It's just that few people are aware of it now, and the confidence index is relatively high. When the atmosphere changes, everyone will start to sell based on the herd effect. At that time, it was too late to run. .

  At this time, a dramatic scene will happen.

The babbled saying, "This is the United States, some of you will repay for neighbors who have several bathrooms and live in big houses, but don’t have the money to repay the loan!" The bathroom, the neighbor who lives in a big house but has no money to repay the loan" repays the loan. The U.S. government wants to use taxpayer money to save the vampires. As long as the government wants to provide housing subsidies to people with bad credit, taxpayers will be forced to bear the losses. As long as the federal tax law favors debt over equity and favors real estate investment over commercial investment, the economy will not be able to grow rapidly.

  These people make short-term hot money, which is different from the older generation of capitalists.

The capitalists of the Roosevelt era hoped that low- and middle-income families would live in their own homes, and gradually repay the money to earn more money than selling them at a discount. The current "new generation" does not have the patience and directly drives out the poor. As for how those people live after they live on the streets, they don't care about them. They find jobs on their own, and don't they feel shameful to receive unemployment benefits?

   Then, they also posted photos on social networks, he bought luxury cars, yachts, and party with beautiful women, they are so "successful."

The sugar company bought the scientists from Harvard University and came up with the calorie calculation method. The calorie intake is six calories and the sugar four calories. The calorie intake is lower than the consumption and will lose weight. Countless men and women who believe that the diet eats a lot of sugar. Everyone grows obese and has underlying diseases. So many people die every time in the United States.

  If there is a serious infectious disease like the Spanish flu, the only way in the United States is to fix the body bags, and there are many body bags. In the 21st century, the human collective will have to watch another tragedy.

  Although the Catholic monks can't help it when facing the Black Death, they are still with the believers.

  However, those rich people hid in villas in deep mountains and valleys like Decameron, waiting for the plague to pass.

"Well, this house will be yours from now on." The real estate agent handed over the key to the house on Santa Elena to Pomona's hand. They just completed the transfer procedure, one-time Full amount.

  It was strange, she didn't feel so excited.

  In her “drawing box” there are furniture from the Salt family, and capitalists, like him, help workers to get rid of the bad habit of drinking, develop hard work, and change their destiny by reading.

  But she would never let Draco Malfoy become the kind of slutty in the upper class.

   Such a smart head, why not think about other issues, such as how to prevent Venice from sinking.

  If the Moses plan doesn’t work, not only the house bought in Venice will sink to the bottom of the sea, but other coastal cities are just as unlucky, and all the investment money will be lost.

  Why make simple problems so complicated?

  This is that whoever has more money will have the consequences of the ability. As long as you can make money, you do not consider the consequences at all.

  If learning chemistry is to prevent being deceived, then learning finance is the same now.

  If the nurse used her house in Costa Rica as a mortgage to buy an American house, then she would lose a lot.

  The American dream did not come true, and her house in paradise was taken away. What else can she do if she is not in the United States to hold on and laugh?

There is a book written by an American named Fang Nu. The author David Dyne wrote in the book that if this is a machine, the judge would not use it to remove the sand from the machine, because he himself is sand. Inverted justice represents wrong decisions, unfair treatment, unprincipled, lack of ideals, disoriented, unreasonable, prejudiced, stubborn, overly indifferent, and there is no human touch.

  (End of this chapter)