Rebirth 79: I opened a bank in the United States

Chapter 131 I Think He Has Great Hopes
"Hey, forget it, don't let go of such a small amount of interest. If you let it go and go bad, it will be a lot of trouble."

Carter, who is used to loans with 20% multi-year interest rates in later generations, heard that the current market loan interest rate is only about 16%, and it is not possible to borrow much, so he lost the idea of ​​​​a loan.

The bank's losses, Carter calculated, are the annual real estate taxes and employee salaries, plus a deposit interest expense that is gradually decreasing.

The real estate tax can basically be offset by transaction fees, and the rest who really need to pay for it themselves, that is, the large number of people who support the bank.As for electricity and water bills, they are basically negligible.

"You really don't want to let go?"

When Carter mentioned the bad debt problem, Goodman hesitated a little.Think of the rising bad debts before the recession, and now
"Don't let it go! By the way, if there is a loan application that is really difficult for the family and can't be uncovered, you can let it go at your discretion. Just make sure that people don't starve to death."

After making arrangements, Carter looked at the time and found that it was almost time for dinner, so he immediately got up and took his schoolbag:
"Nothing else, I'm going back first. Please pay attention to the FDIC's movements these days!"

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"What's a depression? When your neighbor loses his job, it's a depression!"

"What is an economic crisis? If you are unemployed, it is an economic crisis!"

"Jenny, I'm back!"

As soon as he entered the house, Carter was surprised to find that today Jenny did not make dinner in the kitchen as usual, but giggled in front of the TV
"What show are you watching? Are you smiling so happily?"

"Hahaha, Carter, come and see! This man is quite interesting! I heard that he wants to participate in this year's presidential election!"

While waving at Carter, Jenny moved aside by the way.

When Carter sat down, the man on the TV seemed to have had enough of it, and read the last line with a chuckle:
"Then what is an economic recovery? Jimmy Carter is out of a job, and economic recovery is here!"

"Hahahaha~ This person's words are really funny, hey, do you think he has hope this year?"

After hearing the joke from the man on TV, Jenny smiled and patted Carter on the shoulder, asking her opinion on the "capable".

"I don't know, it's still a party election, he"

Carter was shaking his head with a smile, and when he wanted to complain about Jenny thinking too early, a subtitle introducing the speaker suddenly appeared on the TV.Ronald, not familiar. But the surname "Reagan" in the back, it is impossible for Carter to be unfamiliar
"Well, I take back what I just said, I think he has great hopes this year!"

"Really? That's great. Let me tell you, this person is very interesting, and he speaks nicely. He must be a talent! You didn't listen to his speech before, and you have to watch it when it is replayed."

"Okay, I'll take a look when I get a chance. But, Jenny, our fellow Carter has only served one term. Are you so impatient to hope that he will step down?"

Since the meal is nowhere in sight, Carter is not in a hurry.Picking up the fruit on the coffee table, eating and thinking about going out for dinner next night, I was a little curious about what ordinary people like Jenny thought of Jimmy Carter.

"Hmph, good morning. What do you think that Carter has done in the past few years? Internally, the price of goods has been rising year by year. Externally, we can't even protect our American citizens, and now those poor people are being killed. Those terrorists in Iran are hijacking. Why do you think he is still in that position? Let me tell you, it is better than him to let you, Carter, go to Washington!"

It was fine if Carter didn't ask, but Jenny suddenly complained angrily when she asked:
"Especially, you said that he is also from our state of Georgia anyway, but you see what we will get in return after supporting him as president?! Oh, I forgot to cook, Carter, you have some fruit first, me."

At the same time that Jenny was crazy about Carter's Reagan, the program on the TV had just ended.This made Jenny feel unfinished, and suddenly woke up: she actually forgot to make dinner!
"It's okay, it's okay, let's go out for dinner tonight!"

Carter was a little amused when he stopped Jenny who was in a hurry to get up.No wonder Reagan can defeat Carter in an almost crushing manner in the future election
Just look at Reagan, who is still in the party's election stage, just go on a random program and tell jokes, so that Jenny, a housewife who never cares about national affairs, knows about the "Iran hostage incident" and can let her listen to it. Have relish.

There is still more than half a year before the general election, let Reagan talk like this for another half year.It would be hard for him not to be elected!

"Going out to eat? Let's forget it, the prices of things outside are so expensive now! I went to the supermarket to buy vegetables this morning, and even the price of eggs has increased. This is our local egg, and it can actually increase. Really Carter should step down! Just like what Ronald said, changing the president, even if it doesn’t solve the problem, it won’t make it worse!”

Looking at the time indicated by the wall clock on the wall, it was almost time for Melis to go home from school.This made Jenny hesitate a bit.
"It's okay, didn't I just make a lot of money? How much does it cost to eat a meal? This means that our place is small. If we were in New York or Los Angeles, it would be easy for us to eat at Michelin-rated restaurants!"

"Just kidding, you can't spend your money indiscriminately! I read the news recently, and there are many companies that have gone bankrupt. By the way, there are also banks! The bank in Pearson next door has gone bankrupt! You can't spend your money indiscriminately." , have to keep it for a rainy day.”

"Okay, okay! It's okay to go to our own restaurant? It's not expensive, and the money goes back to our own pockets."

It seems that the knowledge and pattern of housewives cannot be improved by listening to Reagan's jokes.General living expenses, that is, the expenses of eating delicacies from mountains and seas, will not have any impact on the operation of large amounts of capital.

If he eats more meals, Carter will not feel financially tight; if he eats less meals, the extra few dollars saved will not make Carter earn much more.

So, in this situation, Carter once again used his trump card against Jenny:

"Jenny~ I'm hungry!"

"Okay, let's go! Wait for me to go upstairs and change my clothes"

Compared with money, Jenny obviously loves her eldest son more.

After waiting for a while, the two of Carter left home and drove to school first.After picking up Melis who was leaving school by the school bus, Carter turned around and headed straight for the highway business district.

After KFC's previous negligence, Carter did not dare to neglect the sale of tacos this time, even with market research first.If you don't come here today, Carter will still come to see it in two days.See how the tacos sell and see if the market reacts as you expected.
After about ten minutes, Carter, who arrived at the highway business district, saw the long flow of people in front of him, and his jaw dropped in shock.
(End of this chapter)