Manhattan Reborn 1978

Written at the beginning of this chapter~

The morning before yesterday, a friend contacted me.

When we were chatting, he asked me if it would be appropriate to repay the entire mortgage loan to the bank at once in advance.

His mortgage is an equal-amount principal and interest loan. It started in May 2011, nearly 5 years ago, and the loan term is 12 years.

In other words, calculated according to the current equal principal and interest method, he has handed over about 12% of the total interest on this loan to the bank in 65 years. .

In the remaining 8 years, he only needs to return the agreed remaining 35% interest + approximately 55% of the total loan principal to the bank. .

Now he chooses to repay in advance, which allows him to save this 35% interest, but it uses all the cash in his hand~

Therefore, as a friend, my advice to him is: it is best not to repay the full amount in advance, but to choose partial repayment in advance~

As for the specific situation of these two repayment methods, you can make an appointment with the bank first, understand the relevant details in person, record them all, discuss them at home, and weigh the pros and cons before making a decision!

Because this friend of mine, he and his wife are both only children. There are four elderly people + two children in the family, which is a typical 422 large family. .

The four elderly people in their family have labor insurance. His own job income is relatively stable, but his wife’s job income is very unstable~

If you choose to repay the loan early, it will drain everyone's cash deposits. .

If this large family encounters an emergency or illness, etc., and does not have a reserve fund of at least 5 to 10, they may have to use credit cards or online loans after paying two hospitalization deposits. Waiting for emergency measures to come. .

So. .How high is the legal interest rate for online loans or credit cards?

I think everyone knows some~

It is definitely higher than the interest rate of a mortgage - at least several times, but not more than that. .

cough~

Luckily this book is free. .If there is a charge, I wouldn't dare to talk nonsense here. .

hehe~

After talking about some gossip, let’s get back to the main topic!

----

new York.

The sky is getting dark~

Wall Street, in front of the Stanley Building.

Bernard Madoff, who had been busy all afternoon, walked to the parking lot on the far corner with a livid face, carrying a large briefcase.

After half an hour.

42nd Street, above Wildfire Bar.

Susan, wearing an apron, walked out of the kitchen and smiled when she saw Bernard Madoff standing outside the door after Acklade opened the door.

"Are you looking for David?"

"Yes!"

"He's in the study~ Ackleide, please take him there~"

"Ok!"

. . .

Study door

Bernard Madoff smiled and nodded to the butler named Acklade, and walked in calmly.

David, who was sitting behind the desk, holding a pen and writing calculations with his head down, saw him coming in, waved and smiled.

"Are you all done?"

"Ok!"

"Where's the money? Has it been paid in full?"

"Yes! Erwin, the financial director of your company, has already put all..."

Bernard Madoff put the briefcase in his hand on the corner of the desk, stood upright in front of David, and bowed slightly to him.

"This time... thank you!"

"Hehe~"

"What are you thanking me for?"

"I should be the one thanking you!"

David fiddled with his pen a few times, asked Bernard Madoff to sit down, and smiled.

"I seem to have seen a passage in a certain book..."

"The essence of finance is the circulation of money~"

"Those of us who are interested in finance should try our best to find cheaper money in the market, and then go to the market to find opportunities to invest and make money!"

"As for how much you can find and how much you can earn...it all depends on your ability!"

"Maybe they didn't trust me, a young and ignorant boy, so they chose to quit~"

"I can understand that too!"

"As for you, you don't have to worry about such a trivial matter!"

"What you should do, still do it!"

"ok?"

"..Um!"

Bernard Madoff showed a hint of relief on his face, but he felt even worse in his heart. .

He slowly straightened his back and looked at David with very calm eyes and asked.

"I want to close down those two investment fund companies..."

"No!"

David dropped the pen on the table, leaned back, and smiled: "You don't have to do this~"

"This sudden redemption event can help you see clearly which of your old friends you can continue to make deep friends with and which ones you don't have to go back to in the future."

"Hi~hu~ yes!"

"So, it's not a bad thing for us."

"Bernard!"

"Like I once said!"

"When we continue to accelerate forward, there will always be some old friends who unfortunately fall behind and slowly disappear from our side~"

“In this marathon race of life, our biggest opponent is ourselves!”

David raised his right hand, pointed in a direction casually and said, "As long as we stay in the right direction and keep moving forward~"

"The number of friends around us will become less and less until the entire circle of friends is close to being solidified..."

"So, you have to re-screen + create a new social circle!"

"..OK!"

. . .

in the restaurant.

After David invited Bernard Madoff and the butler Acklade to sit down, he picked up the chopsticks, first praised Susan's cooking skills, and then turned to Cui Yingying and smiled. With his thumb, he picked up a small bowl of rice and ate it hungrily.

As the hostess, Susan, with a smile on her face like a blooming flower, enthusiastically introduced several dishes tonight to the non-swearing Madoff. .

Bernard Madoff held the knife and fork in his hand, faced the enthusiastic Susan, and tasted several dishes she introduced one by one with a smile.

. . .

after dinner.

David returned to the bedroom and changed his clothes. He took a tie into the living room and handed it to Susan. He turned to Bernard Madoff and smiled.

"Do you have any important work tonight and tomorrow morning?"

Bernard Madoff stood up from the sofa, was stunned for a few seconds, shook his head and said, "No!"

"ok~"

"You and I will go to Boston with you later to meet old Mr. Morgan!"

"Okay!" Bernard Madoff felt that his breathing was a little heavier, and he nodded simply.

"Oh, right~"

"The phone is over there~ Why don't you call home first?"

"Ok!"

----

new York.

The Queen.

Polly Sidrich took her suitcase from Cohen's hand and smiled at Aalto and Rosenlot who took her back from the airport.

"Thank you!"

"You guys should go in and have dinner together too!"

"Haha~ Forget it!"

"Next time! Next time definitely!"

"Cut~"

Polly rolled her eyes at the "glib" Alto, turned around and thanked Cohen again, then pulled two large suitcases and walked to the door of her house.

. . .

Alto, who was standing on the street, took out cigarettes from his pocket, gave one to each of Cohen and several soldiers, and said with a smile.

"Are you tired from the plane ride? Let's have a smoke before we go?"

"it is good!"

Cohen raised his eyebrows, took the lighter from Alto, lit the cigarette, stared at the lighter in his hand, and asked curiously.

"Is this... a new product?"

"Hahaha~ That's right!"

"This is the new disposable lighter made by David's R&D center~"

"Oh...is this thing ready for mass production?"

"No~ This is just a sample. It is said that mass production may not be possible until next year."

"...Okay~"

"This thing is quite interesting..." Cohen fiddled with the disposable lighter in his hand and sighed casually at its exquisite design.

Alto took the opportunity to step forward and whispered with a shy smile: "I heard... you have a new thing called flash bombs?"

"Wait a minute, I'll take you back~"

"Can you let me play with flashbangs too?"

"play?"

"Hahaha~ ok!"

"I will arrange a separate room for you, and you will definitely have a great time!"

"Wow~ Hahaha~ Thanks, man!" Alto patted Cohen on the shoulder very excitedly and turned to wink at his little brother Rosenlot. .

With an "evil" smile on his face, Cohen looked at Alto who was showing off happily and said something silently in his mind. .Ignorant idiot!

----

Upstate New York, Yonkers.

David and Pine, sitting in the back seat of the car, turned to look out the window on their respective sides.

Under the dim street lights.

Some girls in colorful clothes standing on the street gathered together in twos and threes, constantly casting inquiring glances at the passing pedestrians and vehicles.

If a person or a car slows down for them. .

They will immediately walk up to them, show a professional smile, and chat with them casually~

David was sitting in the car and seemed to see some familiar figures among the girls. .

Have they all ended up here?

. . .

soon~

The car passed through Yonkers and onto the interstate toward Boston.

David tilted his head and leaned back, closed his eyes, and asked Pine beside him.

"Can I ask you a question?"

"Oh? Haha~"

"what is the problem?"

"Personal privacy issues!"

Pine turned his head, glanced at David, and said with a smile, "Let's see~"

"You... why aren't you married yet?"

"..That's it?"

"Yup!"

"Hahaha~"

Pine shook his head, laughed for a while, and then said: "Specific... there is no reason why I can't say it."

"I just like this kind of free life, and I'm used to it~"

David had a puzzled expression on his face, curled his lips and joked.

"Have you never thought of trying love? Trying married life?"

"love?"

"Hahaha~"

"I've tried that thing!"

"Oh? Can you tell me... and make me happy?"

"..roll!"

"Hey~"

"Hahaha~"

. . .

After the two of them laughed for a while, Pine unbuttoned all the buttons of his coat, found himself a more relaxed position, and said with a smile.

"Before I met you, I never thought about chatting with someone. It can be a very interesting experience~"

"Look...right!?"

"Then you didn't meet me sooner!"

"If you were earlier..."

"Haha~ How early is it?"

"Do you want me to go and chat with you when you first go to school?"

"Uh...haha~"

"It's too exaggerated, you!"

"Haha~ This is not an exaggeration!"

Pine looked at the smiling David, paused for a few seconds, and then changed the subject.

"Why did you bring Bernard Madoff with you today?"

"You're thinking..?"

"Of course I want to ask old Mr. Morgan to help me take a look at him!"

David showed a matter-of-fact attitude, spreading his hands and saying: "I can count the number of useful people around me on my fingers..."

"If I don't train more capable and capable subordinates...am I still going to have to do everything myself?"

"Then I have to be exhausted?"

"Hahaha~"

"You are lazy!"

"Hahaha~ Yes, I'm just lazy!"

"I'm too lazy to do those annoying specific tasks. With all that time, I might as well go home and spend time with my parents, or take them around the world!"

"...Okay~"

"You can always find more convincing reasons for yourself~"

David felt some heat on his face and touched his nose, and smiled: "That's right, man!"

"You said... Lilith and I's engagement ceremony is scheduled for December 12, Friday night. How about that?"

"22rd?"

“Why is it night??”

"Um.. It's okay during the day~ This is just an idea. I want to hear your opinion!"

"Tsk tsk~"

"You shouldn't ask me about your matters, right?"

"Hey! Are we just chatting? Can you just give me some opinions or suggestions?!"

Pine looked at David with confusion, blinked a few times, and asked with a smile: "What other ideas are you thinking of?"

"Oh~nono!"

"I just didn't think of anything, so I asked you!"

"Hehe~"

"Do you really want to hear it?"

"Of course!"

"Um... My suggestions or opinions are... none!"

"what?"

"Hahaha~"

"You kid, you are digging a hole for me!"

"I do not have!"

"Tch~" Pine turned his head with disbelief and flashed the back of David's head.

David felt a little dumbfounded and shouted: "Hey! You are such a bastard!"

"Hahaha~ each other!"

"..."

----

Manhattan.

42nd Street, above Wildfire Bar.

Polly, who rushed over after having dinner at home, learned that David was not at home and would not come back tonight. She felt a little disappointed and hugged Susan's shoulders, sat in the living room and sighed.

"You're a bastard who's been running around all day!"

"Hehe~"

Susan held Polly's arm, glanced at Cui Yingying coming from the kitchen carrying a fruit plate, and smiled.

"He brought Ruby back from Philadelphia two days ago!"

"Oh?"

"What about the Ruby people?"

"Let's go~"

"Uh... did he send it away?"

"Ok!"

Polly blinked in surprise, waved to Cui Yingying, asked her to sit next to her, and asked.

"Come here too~ tell me in detail!"

"Ok."

"That day, he..."

. . .

After half an hour.

Polly swallowed a piece of apple in her mouth, frowned and looked at Susan and asked: "Did you get the videotape that was shot upstairs? Where is it?"

"Yes! Yingying, where did you put it?"

"Right over there~"

"ok~"

"Show it to me!"

"Ok."

. . .

Polly watched the video played on the TV and listened to David's beautiful "singing". Her frown gradually relaxed a little. She glanced sideways at Susan and asked pretending to be angry.

"This bastard!"

"Tell me! Why doesn't he write some songs for us too?"

"Hahaha~"

"He wrote it!"

"Oh? He wrote it? Where is it?"

Susan raised her finger and pointed, smiling: "He said that he had finished writing it and locked it in the safe in the study. He wanted to wait for you to come back and then take it out together and give it to us."

"..."

"He also said that writing love songs that express temporary emotions is not worthy of us..."

"So, he wrote a piano piece for each of us~"

"He said that the meaning that piano music can express and the space for imagination it leaves for people can make us unforgettable in this life."

"He said!?"

"Are you... brainwashed by him?"

"Hahaha~"

Susan laughed and nodded indifferently and said, "Yes, I was brainwashed by him!"

"Aren't you the same as me?"

"..."

Polly rolled her eyes helplessly, turned to stare at David on the TV, and muttered something silently. .

Cui Yingying, who was also sitting next to her, could not help but smile, and her eyes drifted to the study room. After staying for a long time, she focused on the TV again.

----

Boston.

It was approaching midnight.

In the suburbs, old Morgan's manor.

In the study room on the second floor.

The old housekeeper, holding a glass of warm water in his hand, handed it to Old Morgan, who was wearing a nightgown and sitting on the single sofa, and whispered.

"They have already made arrangements."

"Ok!"

"Is that boy David asleep?"

"Probably not yet, maybe taking a shower~"

"Where's Pine? Where is he?"

"He's still waiting for you in the room!"

"Well... call him over~"

"Ok!"

The old housekeeper walked out of the study with brisk steps.

. . .

After a few minutes.

Pine, who was also wearing a nightgown, sat opposite Old Morgan, looked at a piece of information on the table, and asked with a smile.

"Is this... sent by Nelent Ramon?"

"Ok!"

"did you see it yet?"

"Look!"

"Tell me your opinion~"

"it is good!"

Pine picked up the folder, flipped through a few pages, and quickly found the pages of comments David had written for Nyrent, and smiled.

"The concept of consumption upgrading he mentioned here, as well as the characteristics of consumption upgrading: hierarchy, integrity, era and gradualness, etc. are all very interesting!"

"I have to say that that guy really understands the consumer psychology of ordinary people and is very good at expressing them~"

"Moreover, he also mentioned here: People's insatiable pursuit and yearning for a better and higher quality of life is the most important factor in consumption upgrading and a driving force that will never fail."

Pine put down the folder in his hand and smiled at Old Morgan: "The human heart can never be fully satisfied..."

"He said this paragraph to the point. It seems very inconsistent with his age and knowledge~"

"But these... I couldn't find similar sources or arguments in papers related to the economic field or professional books on psychology."

"This makes me feel very strange!"

"Consumer Psychology!?"

"Have you ever heard of that name?"

Old Morgan put down the water glass in his hand, nodded with a smile and said.

"I've heard similar statements~"

"The American Consumer Research Association, founded in 1969, is an academic research organization composed of experts in psychology, agricultural economics, architecture, law, medicine, marketing, mathematical statistics, engineering and other fields."

"In 1974, the "Consumer Research" magazine was founded, which was an academic research publication jointly produced by more than 10 different research organizations~"

“另外，还有《应用心理学》（1917年创刊）、《市场》（1936年创刊）、《广告研究》（1960年创刊）、《市场调查》（1964年创刊）、《消费者研究》（1974年创刊）等刊物，也发表了很多消费心理科学的论文、报告和调查资料。”

"According to the statistics I learned, from 1968 to 1972, the amount of research results published in these magazines and journals was more than all the results published before!"

“The scope of their discussion includes, in addition to consumer ecological issues, cultural consumption issues, and decision-making model issues, there are also consumer protection issues, consumer policy issues, consumer information processing issues (program research), internal structural issues in consumer psychology, and consumer credit issues, consumer law issues, consumer psychological control issues, etc.”

After Old Morgan finished speaking this long paragraph, he paused and continued in a slightly lower voice.

"Consumer psychology refers to what people think when they are consumers."

“Consumption behavior refers to the observation of people’s consumption needs for goods or services when they are consumers from the perspective of market circulation, as well as the activities that transfer goods or services from the market to the hands of consumers.”

"Any kind of consumption activity includes both consumers' psychological activities and consumers' consumption behavior."

"Accurately grasping consumers' psychological activities is the prerequisite for accurately understanding consumer behavior."

"Consumer behavior is an external manifestation of consumer psychology, and consumer behavior is more realistic than consumer psychology."

"Just like the beauty psychology, comparison psychology, preference psychology, herd psychology, possessive psychology, etc. that we often encounter in life, they are all external manifestations of our inner desires~"

"Pyne!"

"Why do you think that boy David makes people around him like him?"

"Does he know magic?"

Pine did not laugh, but thought about it seriously and said, "He satisfies our... certain psychological needs and at the same time makes people more willing to accept him, get closer to him, and believe in him?"

"Haha~ That's right!"

"But it's not entirely right!"

Old Morgan stood up, moved his sore neck a little, and said with a smile.

"The reason why David is able to gain our recognition is because his sincerity is 100% visible to us~"

"We are surrounded by all kinds of hypocrisy, deception and lies... When there is sincerity that is irresistible to you..."

"Who would say no out of hand?"

"Hehe~"

"As for those theoretical research things, just take a look ~ don't go into too much detail!"

"Theories will also change with the changes of the times."

"To study it, it is better to contact more people and listen to their true opinions or ridiculous remarks~"

"Okay~"

"Let's go to bed first!"

"If anything happens, we'll talk about it tomorrow!"

"..OK!"