It is not easy to successfully complete these tasks. Li Mu thought for a long time, and the only thing he could do was to make money first.
Originally, the husband and wife were harmonious, the family was happy, and the eldest son's face and airs were maintained well.
Unexpectedly, in the face of a series of changes and the embarrassment of money, everything was torn to pieces, revealing the most embarrassing side.
Su Mingzhe wanted to have a happy family, so he tried hard to maintain his eldest son's face and airs, trying to make himself look fat, but he didn't have the corresponding strength.
Changes in the big family affected the small family, and the relationship between husband and wife took a turn for the worse.
There are various reasons for all these changes, the most important one being the word "money".
Although money cannot solve all worries, it can solve most of them.
…
When thinking about money, it is naturally impossible to earn a small salary honestly. Only in the Year of the Monkey can we gain wealth and freedom.
Gotta take some shortcuts!
Li Mu began to think about what speculative opportunities and shortcuts could be taken next.
The real world is 2019, but here it is just 2017. The gap in timelines has created many shortcuts.
"Stocks", a word came to Li Mu's mind. This is the most common speculation behavior for most people.
After thinking for a long time, he shook his head helplessly and gave up.
First, in reality, I don’t know much about stocks.
Second, the two worlds are not the same. There are great differences in details. Many well-known companies in reality do not exist.
Or even if it exists, the development of the company is different from that of the real company, better or worse.
The stock market is ever-changing, and a slight difference will cause the stock price to rise or fall.
If you want to speculate on that specious news, it is easy to get yourself involved.
Lottery: Not to mention that Li Mu does not remember the winning numbers, and even if he does, they may not be the same.
Gambling: Not reliable either. For example, the 2014 World Cup champion is not the same as what Li Mu remembers.
…
After thinking for a long time, I was trying my best to find speculation opportunities. Suddenly I heard my colleague next to me shout in surprise: "BTC has risen again today, breaking through the $2,500 mark. Virtual currencies are so hot this year."
…
This sentence gave Li Mu a flash of inspiration. He remembered that in November and December of 2017, the price of BTC reached a new high, close to US$20,000 per coin.
Although it fell sharply later, it was still a good opportunity for speculation.
In three or two months, the return would be six to seven times.
Thinking of this, Li Mu immediately started to compare related situations and trends with some articles he had read in his real memory.
There is a big difference, and the trend is basically the same.
I immediately became excited, this was a good opportunity.
With excitement, Li Mu logged into Coibse, the United States and the world's largest cryptocurrency exchange, and became familiar with the purchase and trading of virtual currencies.
Only then did I discover that BTC is not the only virtual currency on the platform, there are dozens of them in total.
Li Mu suddenly remembered an article about cryptocurrency that he read when he was bored, focusing on the market trend in the second half of 2017.
Among them, BTC, which has doubled more than ten times throughout the year, is not the one with the highest value-added, and can even only rank in the middle or lower among dozens of cryptocurrencies.
In the second half of 2017, driven by the market, all virtual currencies experienced a skyrocketing rise. Especially in October and November, the price increase almost became a straight line... Among them, Ripple had the highest increase throughout 2017.
It has increased more than 360 times.
Litecoin, Dogecoin... also increased more than 100 times throughout the year.
As long as the amount of funds is not large, in terms of speculative attributes, it is more suitable than BTC.
…
After setting the goal, there is only one condition left: where will the money come from?
Speculation also requires capital!
Although Su Mingzhe and Wu Fei have good salaries, their family consumption is also high, including raising a house, a car, raising children, and daily household expenses.
As a result, over the years, no money has been saved at all, and the only tens of thousands of dollars are also in Wu Fei's hands as family emergency expenses.
Li Mu couldn't get it, and he didn't want to play with the money. It was the guarantee of the family's daily life.
…
The most valuable property in the family is the house. After buying it for so many years, it has appreciated a lot in value as the real estate market in the United States has heated up. The current market assessment price is around US$680,000.
However, the house is also mortgaged, and there is still an unpaid mortgage of US$120,000.
There is no other way to raise funds but to pay attention to the house.
It is impossible to sell it. If you can't pass Wu Fei's test, the only way is to take a mortgage.
I just don’t know if I can get a mortgage if I still have a mortgage.
…
Later, Li Mu consulted professionals online and found out that it was indeed possible.
At present, many banks have real estate remortgage business, especially the bank where you take home loan mortgage, it is easier to apply.
It mainly depends on the market appraisal value of the house and the amount of the remaining mortgage loan.
As long as the risk is small and profitable, many banks and financial institutions in the United States can handle real estate remortgage business.
In this regard, Li Mu prefers to take the financial institution approach.
The bank is naturally good, with lower interest rates, but the review process is stricter, the procedures are very long, and the credit limit is not high.
Although financial institutions have higher interest rates, their review procedures are lax, their procedures are short and convenient, and their credit limits are generally higher than those of banks.
Faced with this rare big market situation, if you join one day late, you will miss so many opportunities, and the interest will be nothing.
…
Time waits for no one, so Li Mu contacted a relatively reliable local financial institution and made an online appointment to see the house this afternoon to evaluate the property price. Then he breathed a sigh of relief.
Wu Fei also has a job. She has to go to the nursery to pick up her daughter after get off work in the evening. She is not at home, but she is not afraid of running into her.
After dealing with these things, I finally relaxed a lot from my nervousness, and started to deal with the work at hand according to my memory.
Unexpectedly, in a short period of time, Su Mingzhe would quickly master all the computer knowledge in his mind and get started easily.
…
In the afternoon, I took a half-day off and accompanied the salesmen of financial institutions and professional appraisal agencies to walk around the house and take photos.
Based on the location and the condition of the house, a specific price assessment will be made as the basis for the loan amount.
Later, Li Mu provided copies of his and Wu Fei's personal information, real estate certificates, work certificates, and personal bank account statements for the past six months.
Everything is normal and meets the requirements, and the salesperson at the financial institution is also quite satisfied.
Li Mu and his wife have a good income, and their real estate is of high quality. They are relatively high-quality customers.
At Li Mu's request, he said that he would push forward the mortgage loan process as soon as possible, and if nothing unexpected happened, the loan would be released within a few days.
Jingyan reminds you: Remember to collect after reading this