Manhattan Reborn 1978

new York.

After dinner~

Manhattan, south of Zhongyan Park, Plaza Hotel.

In a luxurious suite on the fourth floor.

Judith K. Morgan (Julie) lit a cigar with a match, raised her head slightly and blew out a cloud of smoke with a satisfied expression, and smiled.

"You kid, I can always make you come up with some nonsense..."

"Hehe~"

David, who was sitting diagonally across from him, put away a cigar and puffed away at it. He smiled and turned to glance at Lilith, who was pouring wine for the two of them at the bar. She shrugged and smiled.

"You are wrongly accusing me..."

"In the afternoon, after I saw the document that Mag Ludwig got back, I immediately discovered the problem!"

"Oh?" Julie waved to him with interest, indicating for him to continue talking.

David gently twisted the cigar with his fingertips, feeling the aroma of tobacco in his mouth, and said.

"The basic content of this 401k plan was not clearly listed separately in that document on purpose by someone~"

“But it also puts forward very detailed provisions for the guidance and investment functions of pension funds.”

"For example: pension account funds come from funds paid by employees and companies."

"Companies must set up special 401k accounts for employees, and employees can deposit funds not exceeding a certain limit from their salaries into the account every month."

"At the same time, enterprises must also deposit corresponding amounts of funds into this account on a regular basis."

"The employee's 401k pension account, regardless of whether he changes jobs or not, the personal contribution part of his account and the part of the funds that the company has contributed to it belong to the employee himself and are not controlled by the company or employer."

“This is a good reflection of the portability of the 401k plan.”

"And, under normal circumstances, the funds in this pension account cannot be withdrawn until the employee retires."

"After he retires, he can choose to receive it in one lump sum, in installments, or in the form of a deposit to handle the funds in his account."

"Whether it is employees or companies depositing funds into this account, they do not need to file a tax return."

"Employees only need to pay personal income tax corresponding to the amount of funds withdrawn from the account after retirement, that's it~"

"If this 401k plan only has some of the above terms that are very good for ordinary employees..."

"Then, it can indeed allow many workers who are about to retire or face retirement soon to get a pension guarantee~"

"However, in the 401k plan, there is also a provision for the pension account investment function, which makes me feel a little..."

"Hehe~"

David put the cigar in his hand in the ashtray aside, took the wine glass from Lilith, and smiled.

"Companies can provide a variety of stocks, funds, annuity insurance, bonds or special time deposits to employees who participate in 401k plan pension fund accounts to help these funds realize investment appreciation."

"Employees can choose any type of investment according to their own needs - all investment income will be transferred to the 401k account."

"but!"

"Since employees can choose their investment portfolios independently, they must also fully bear the investment risks!"

David put his free hand around Lilith's shoulder and asked Julie with a very playful smile: "Recommend by the company at your own risk!?"

"This kind of... clause with huge room for maneuverability, which genius came up with such a good idea?"

"Hahaha~"

Julie laughed, shook her head, and asked: "Isn't the MBS you created just to sell to these pension fund investors?"

"Why are you asking me again now?"

"...Tsk!"

David took a sip of the drink, smacked his lips, and sighed as he felt the flavors in his mouth mix together, creating another wonderful combination.

"I...didn't see all the terms of the 401k plan."

"MBS mainly solves the problem of a large amount of funds accumulated by banks when they issue housing loans."

“It can transform banks from original lenders into intermediaries for loans + stable income investment portfolios~”

"If there are investors who hope to obtain stable income, MBS is indeed a great investment choice!"

"But if the Federal Reserve keeps raising interest rates..."

"The market competitiveness of MBS will continue to weaken until all the hot money flows..."

Julie narrowed her eyes with a smile and continued: "To the stock market and commodity trading market... right?"

"..Yes!"

David slowly exhaled, his smile no longer on his face, and whispered: "Whether it's investment or speculation~"

"Today, when the government has completely liberalized regulation, there is an absolute upper limit on the capital capacity of the stock, bond and commodity trading markets."

"When too much money comes into the market, they will..."

"Whoo~"

"That's right!"

"This investment and speculation plan was all proposed by me~"

"But speaking out about these plans and executing them step by step are completely different things!"

"I can only guess what will happen after the wind blows... before the wind blows."

"But we underestimated the potential disasters caused by the wind."

Julie glanced at Lilith, who was sitting next to David, with a look of concern in her eyes, the smile on her lips became thicker, and she said.

"What you want to say is...awe! Right?"

"..Yes!"

David put down the wine glass, hugged Lilith with his arms, kissed her forehead and hair a few times, and whispered.

"If you lack respect for the market, you will naturally not have any scruples or restraint."

"That's why I feel a little scared!"

"I have absolutely no idea who some of the plans... will have and what dire consequences it will have."

"Hehe~"

Julie raised her eyebrows and said with a smile: "Since you have chosen the economics and finance industry as your main future development direction."

"Then you have to face this hurdle now, and you can only get through it by yourself~"

"Any transaction is a transfer of assets or funds."

"It cannot create any value, but will put some assets that look very good at risk of depreciation~"

"This is the rule and the law."

"No one can change anything, can you just blatantly violate the rules?"

"...I understand~"

David gently stroked Lilith's back with his hand, slowly let her go, looked directly into her eyes, and said.

"I don't want to let myself be changed..."

"But my growing environment and living environment are like this~"

"So, I don't have the ability to change the surrounding environment. I can only put myself in a very comfortable environment first."

"And I will do my best to create a small environment for the people around me, real people, and cherished people, where they can feel happy, warm, happy, and joyful~"

"Let them enjoy life and enjoy life like me!"

"Also, it gives you the power to say no bravely!"

"..." Lilith bit her lower lip hard, her eyes sparkling, and she nodded slowly and hard.

Seeing her "cute" look, David couldn't help but smile and kissed her gently and said.

"I still have two gifts that I haven't given to you!"

"We'll be back from Hawaii in a few days~ How about giving you another surprise?"

"...Okay!" Lilith nodded with a sweet smile, glanced at Julie, and smiled.

"We want to go back... okay?"

"...Hmm!" Julie, who was suddenly slapped with a "dog food" face, of course didn't say anything~

He stood up, walked to David, opened his arms, and smiled: "Have a good trip! My children!"

"We will be in New York, waiting for you to come back~"

"Hahaha~"

David hugged Julie hard and whispered in his ear: "Thank you!"

"Hehe~"

Julie patted David on the shoulder, turned to Lilith and said, "The plane you are going to take will always be parked in Hawaii waiting for you."

“Go wherever you want to go!”

"You can play however you want!"

"Got to have fun!"

"Yeah!" Lilith lowered her head and got into Julie's arms, expressing herself silently with actions. .

Julie patted Lilith's back gently and smiled with great enjoyment.

David, who was standing next to him, was suddenly attracted by the hairstyle on Julie's head. .

He tried hard to control his desire to complain, and said in a very "sincere" tone: "I heard that there are many aborigines in Hawaii who have secret medicinal formulas that are passed down orally."

"Some of them are effective in treating hair loss."

"Would you... try it too?"

After hearing this, Julie gritted her teeth and widened her eyes, and a word popped out from between her teeth: "Get out!"

"...Hey~"

"Hahahaha~" Lilith's joyful laughter seemed to heat up the whole room by two degrees.

. . .

David and Lilith, gone.

Julie did not leave with him, but sat back in her old position and lit the extinguished cigar with a match.

While puffing out the smoke, he held his hair with his hands, looked at where David and David had just been sitting, and couldn't help but smile.

"This bastard boy!"

"Hehe~"

----

Southeastern New York, Brooklyn.

Under the night~

Two cars crossed the intersection of 45th Street and 14th Avenue and stopped in front of a grocery store.

Ludy held the car door with his hand, looked around, and motioned for his two men to enter the grocery store with him.

In a warehouse of a grocery store.

Lu Di saw the person he was going to meet on this trip, raised his eyebrows and asked with a smile: "You are actually hiding here?"

"Hehe~"

"Aren't you surprised by what I look like now?"

"Ha~"

"The way you look now...what's wrong?"

"Cracked football?"

"Hahahaha~"

The bandage was taken off, and there were several dark red "eye-catching" scars crisscrossing Karu's face. When he laughed, Lu Di felt a little bit sour in his teeth. .

"Why do you remember... using this method?"

"..Haaah~"

"Whoo~"

Kalu took a few deep breaths, calmed down, and said, "Do you have a better way?"

Ludy curled his lips, took a chair from the side, sat across from Carew, stared at the scar on his face, and said, "I know a plastic surgeon with excellent medical skills."

"He should be able to help you recover."

"..no thank you!"

Kalu took out cigarettes, popped two out of the bottom of the cigarette box with his fingertips, and said with a smile: "This face is recovered, so what?"

"I'm not one of those guys who relies on face to make a living..."

"Hahaha~"

Lu Di laughed and took the cigarette, lit it with his own lighter, and said with a smile: "Okay~ Let's talk!"

"It's definitely not the case when you come to me... Let me praise you, right?"

"..."

Karu puffed out the cigarette, covering himself in smoke, and then said: "I want to... meet David!"

"Why are you meeting him?"

"Goodbye!"

Lu Di narrowed his eyes in the cloud of smoke he exhaled, and continued to ask: "Can't I tell you?"

"..cannot!"

"Feel sorry!"

"I don't think there is any need for you to meet again!"

Kalu stared at Lu Di's eyes calmly for a while, then threw away the cigarette butt and said.

"it is good!"

"Then let's have a phone call, okay?"

"..."

Ludy looked at Carew in confusion and asked, "Aren't you planning to leave New York tonight?"

"It's so important to say goodbye to him...?"

"Correct!"

"Very important!"

"I still have some important things that are stored with him."

Karu took a deep breath, exhaled it slowly, and said, "They can prove that I have..."

"Okay~"

Ludy waved his hand in time, interrupting Carew.

"Do you have a phone here?"

"Have."

"Okay~ Let me make a few calls first to confirm."

"..OK!"

. . .

After half an hour.

Ludy handed the microphone to Carew and said, "You guys go ahead and I'll wait outside."

Carew held the microphone in his hand, looked at Ludy's back as he walked out, and asked softly: "David?"

"It's me, Karu."

"Haha~Yes!"

"That Odis Parker guy gives me a headache when I see him."

"..Um!"

"These are not important~"

"The ones I left at your place..."

"Correct!"

"I want to ask you to help me keep them safe."

"...No! I don't have those unrealistic fantasies..."

"..Thanks!"

"Yeah~ I'm leaving New York."

"For now...it hasn't been decided yet."

"Oh?"

"Okay, I'll consider it!"

"Hehe~"

"Maybe ~ we will meet again..."

. . .

Karu slowly put down the phone.

It’s as if I’ve let go of all my past~

Lu Di, who had been waiting in front of the door, quietly opened the door and walked in. He threw a stack of "brand new" documents in front of Carew and introduced them in detail.

"People outside are still waiting to take pictures of you..."

"There's a red-eye flight to Casablanca, Morocco, at midnight."

"This is the taxi's license plate number."

"You get in this taxi and it takes you to a hotel."

"There. Someone will prepare another set of documents for you."

"Take them and you can go wherever you want~"

"..."

Kalu followed Ludi's introduction and looked through half of the documents, feeling very ironic and ridiculed.

"Cia...are not as professional as you are?"

"Ha~"

Ludi sneered quite contentedly and patted Carew on the shoulder: "We are here to make money, what are they here for?"

"Can it be the same?"

"..."

Karu curled his lips speechlessly again, stared at the documents in his hand, and asked.

"You never thought about...killing me?"

"I thought about it!" Lu Di nodded honestly.

"But you definitely won't sit still and wait for death...right?"

"Haha~" Karu smiled and put down his ID, unbuttoned his coat, and showed the contents to Ludy.

Ludy pouted, took a step back, and said in a mocking manner, as if he would run away at any moment.

"Have you...had too much contact with that guy Austin Parker? Have you been infected with mental illness by him?"

"Hahahaha~" Karu laughed and shook his head, walked up to Ludy, stretched out his right hand and said.

"You also get scared sometimes?"

"nonsense!"

Ludy took a step back again and complained: "I'm... a normal person! I'm not a lunatic like you!"

"Hahahaha~" Karu smiled and buttoned up his coat and walked out of the door.

Lu Di looked at his back disappearing through the door, couldn't help but secretly breathed a sigh of relief, and whispered to himself.

"These sick-minded guys... you must stay away from them!"

----

Brooklyn, Brighton Beach.

Caribbean Club.

Yevsi Borisovich Agron, an immigrant from the Great Bear Country and a new gang leader, frowned and sent away three middle-aged men in straight suits.

ten minutes later.

His top thug, Ermi, "broke" through the club door with great speed. Looking at the empty stage and surroundings, he strode up to Agron and asked.

"They... left?"

"..Um!"

"Where are the Marathas?"

"Forehead.."

Ermi scratched his head in embarrassment and explained: "I went to his home and my lover's home to look for him~"

"But he...he said a few days ago that he found a new lover..."

"I don't know where they are either~"

"..." Agron suppressed the anger in his heart, slowly adjusted his tone, and asked again.

"You can sit down first~ Who have you been meeting these past few days?"

"Uh..." Ermi sat opposite Agron and hesitated for a few seconds before saying.

"I guess... maybe... yes..."

"Say it directly!"

"We...went to a restaurant called Crimea and met a boy named Yuri Orlov."

"Yuri Orlov?"

"and then?"

"Then...he found Michael Franzese and wanted to waive the protection money..."

"While Marat was chatting with Yuri Orlov, he suddenly changed his mind and wanted to... meet his boss on Wall Street..."

"boss?"

Agron understood immediately~

He stared at Ermi with a frown and asked, "Marat, what did you say to him?"

"Tell me the whole thing again in detail!"

"..OK!"

"Marat, he..."

. . .

After a few minutes.

Agron heaved a sigh of relief, waved to Elmi and asked him to leave, sitting alone on the sofa, deep in thought.

Obviously~

The one Marat and Ermi met this time. .Yuri Orlov is a lucky boy!

It’s just a protection fee of 1 yuan. .Actually want to get back millions of dollars in compensation? !

Agron recalled his experiences over the years and suddenly felt very funny~

hundred times! !

New York gangs. .ha! ?

The law thieves in the Gulag don't have as big an appetite as this group of people, right?