Chapter 892 Dust in Fireworks

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

Healthcare in big cities is both good and cheap, and the state encourages foreign retirees with minimal pension or social security income. One of the great benefits of immigrating to Costa Rica is high-quality, low-cost healthcare.

Costa Rica has socialized medicine so that all citizens have the right to receive medical care, a fact that ranks the country among the best in the world for 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 retirees’ foreign income. Therefore, Costa Rica has become an immigration destination for many American retirees.

Immigration to the United States is becoming more and more strict, but if you really want to become a "free American", you can use Costa Rica as a springboard. Immigrate to Costa Rica without language, education, or any residency requirements, and you can directly obtain permanent residency.

Costa Rica is very close to the mainland of the United States. It is more than an hour from Miami in the United States and more than 2 hours of flight time from New York. Because many Americans retire there, it is very convenient to apply for a visa. Those who hold a permanent residence permit can obtain it if they meet the requirements.

A one-year multiple-entry visa to the United States. If there are no bad records, you will be issued a 5-10-year multiple-entry visa to the United States.

More than 70% of Costa Rican citizens go to universities in the United States and Canada, and applicants do not need to invest. It is the country with the highest happiness index in the world, 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. Holding a Costa Rican passport is exempt from visas to more than 100 countries around the world. If you go to Spain to live 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 paradise-like place still has its ugly side. Death can make all good things turn ugly. There is a Costa Rican woman who suffers from severe brain disease. Even with the development of modern medical technology, there is still no way to cure her disease.

So she prayed to John Paul II, and she was cured without medication.

What other words can describe it other than miracle?

The United States has a good relationship with the Pope, and in 2002 a high school was established named after him.

As we all know, the American Dream is as illusory as the heaven mentioned by Catholics, but one pursues happiness after death, while the other pursues happiness in life.

The most common way to immigrate to the United States is to get married and live there. The real estate in the United States is already very bubble, which often requires high mortgage loans. **** Home Financial Services Company will provide you with many legal and other related services.

A new immigrant, her credit has always been good, and her monthly payments have not been interrupted. Americans call people who fail to pay their monthly payments "Lao Lai". How can a "decent person" who has received modern higher education become an immoral "Lao Lai"?

What kind of person would not pay back the money he owes?

"Taxpayers who make their payments on time should not have to pay for those who fail."

"This is America, how many of you are going to pay off your neighbor who has multiple bathrooms and a big house but no money to pay off the mortgage!"

But fate is not as good as fate. She lost her job, or someone in her family was sick and needed money urgently, so she called **** Home Financial Services Company, hoping to delay the repayment. The operator with a sweet voice suggested that she do so.

He promised to continue to lend her money in the future, but before she had time to change her mind, the court took back her right of redemption. Overdue fees and fines were all packaged and reported to the national credit agency. The damage to her credit made it impossible for her to repay the loan.

The mortgage company gave her a loan forbearance, and even if she could sell her house to pay off the loan, the damage would be felt for several years, followed by an eviction order.

In U.S. immigration law, there are no relevant provisions that allow you to apply for residence status by purchasing real estate. Only European countries such as Greece and some island countries have real estate purchase immigration bills.

But in reality, people can still hear advertisements in many places that say “Buy a house and get a green card”. As a result, some people have taken advantage of others and bundled some U.S. real estate with regular immigration projects, and entered the market under the model of buying a house and getting immigrants.

, so that the immigration steps comply with the formal process, and the applicant indeed invests funds in exchange for a set of real estate and U.S. immigration services. This is the service provided by **** Family Finance Company.

The U.S. 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 purchase apartments, villas or land

, if you do not meet the requirements, you will not be able to obtain status.

But there is a way that is feasible: by taking shares in commercial real estate in the United States, such as investing in and operating hotels, hotels, restaurants, etc., you can become a shareholder of the project and own part of the commercial real estate. After that, the business operations will be normal and a sufficient number of jobs will be generated.

, you can get the status. After getting the status, you may receive some remaining real estate, such as hotel apartments and suites, when you exit the investment or liquidate. At this time, you can resell them. If you are lucky, you will still make a profit.

Currently, in most areas of the United States, the supply of hotels and apartments has far exceeded demand. The occupancy rate of many hotels is less than half. Investing in this type of business will most likely result in loss of money.

But if you directly tell investors that their money may be lost, many people will definitely quit. Therefore, in order to attract investors, some developers will promise to return the investment in full and provide you with some collateral. These collaterals

It's a house.

With a property of equal value as a mortgage, domestic investors will feel more at ease. After all, the house will not run away and housing prices are relatively stable. However, this mortgage agreement is a shady 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 rejected because it is inconsistent with the venture capital in the EB-5 immigration policy.

If you bypass the official and sign the agreement privately, there will be nothing you can do if the developer does not recognize the agreement. The victim cannot appeal, because once he appeals, it is equivalent to admitting that the immigration application was fraudulent, and the green card will have to be withdrawn.

Sometimes, most applicants will be dumb and eat Coptis chinensis, unable to express their sufferings.

The lawsuit against the Costa Rican woman was Steen National Bank. It fortunately escaped the Great Depression and did not go bankrupt, but she had never dealt with this bank. Who was it? Why did it have anything to do with her? Why did it want to seize the money?

Walk her house?

The agreement she signed was with **** Home Financial Company. There was no **** in it, and there was no Steen National Bank. She had been paying monthly payments back to **** Home Financial Company, in Steen National Bank.

The bank has no record of her loan repayments.

The only thing she could find was that the **** Bond Acceptance Company had an agreement with Steen National Bank, in which **** Bond Acceptance Company was the depositary and Steen National Bank was the trustee.

***Bond acceptance companies provide mortgage securities issuance services.

She is a nurse. Maybe she knows how much cyanide a person drinks can cause death, but she does not understand the results of the survey. In short, she is facing a situation where she will be deported if she cannot pay back the money. Her only way is to find a way to

Her house was foreclosed, but the lender foreclosed on her unless she found an agency like **** Home Finance Company to "immigrate to buy a house."

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

During the Great Depression, thousands of people lost their families every day. Faced with this cruel reality, Roosevelt passed a program in which the Home Owners Loan Corporation could buy overdue mortgages from financial institutions at a discount and give them to borrowers.

For a twenty-year installment plan, the borrower only pays interest every month and repays the principal when it is due. This approach can only alleviate the contradiction, because many families still cannot afford the principal after twenty years.

Ordinary homeowner loan companies will no longer sign agreements to lend, but will directly take away the house. People become homeless in middle age, which is worse than being homeless when they were young. Moreover, these families still have children. Roosevelt also

The Federal Housing Administration provides insurance specifically for homeowner loan companies. The borrower only needs to buy insurance, the government will guarantee it, and the loan company will lend the money to the borrower.

This is not a national debt, but it is still guaranteed by the country's reputation and bears all responsibility for losses caused by the borrower's inability to repay or the devaluation of the house. Therefore, for mortgagees, mortgage loans insured by the Federal Housing Administration basically have no risk of bad debts.

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Although the Federal National Mortgage Association is run by veterans, it is a private enterprise, and its other name is Fannie Mae.

U.S. real estate companies are expanding and immigrants are moving in, but immigrants have to enjoy U.S. welfare. No matter how much Americans can make money, they still have to spend money on military expenditures, public security, sanitation, and other social welfare.

The United States needs immigrants, but what it needs is high-quality "talents" that meet its needs and bring wealth, knowledge, and employment opportunities.

Those mathematicians who have just graduated - 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 defective products that no one wants into "safe" products is like turning base metals into gold through the philosopher's stone.

However, just as alchemy is used to cheat money, these alchemists in the financial world are also liars, and their methods are equally superb. Ordinary borrowers can easily fall prey to this highly predatory scam.

Houses are for living, not for speculation. Unless they are crazy, 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 will want them.

If they die, they become bad debts.

The rock music came to an abrupt end, and homeowners who had been able to refinance in the past encountered financing difficulties. In fact, when borrowers' initial delinquency rates began to skyrocket, danger signals had already appeared.

The initial delinquency rate means that as soon as the money is released, the borrower is unable to repay the monthly payment. At this time, like the female nurse in Costa Rica, who has always had good credit and paid the monthly payment on time, but is suddenly foreclosed begins to appear in large numbers.

This is what Lucius Malfoy's American friends warned him. However, few people are aware of it now and the confidence index is relatively high. When the trend changes, everyone will start selling based on the herd effect. By then it will be too late to run away.

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At this time, a dramatic scene will occur.

The American who keeps saying, "This is America, how many of you are going to pay off your neighbor who has multiple bathrooms, lives in a big house, but has no money to pay off the mortgage!" is doing it for those "who have several bathrooms."

Bathroom, neighbor who lives in a big house but has no money to repay the loan, the U.S. government will use taxpayers' money to save those vampires. As long as the government wants to provide housing subsidies to people with bad credit, taxpayers will

Forced to bear losses. As long as federal tax laws favor debt over equity and real estate investment over business investment, the economy will not be able to grow at a rapid pace.

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

The capitalists in the Roosevelt era hoped that low- and middle-income families could live in their own homes and slowly pay back the money to make more money than selling at a discount. Today's "new generation" doesn't have that patience and just kicks the poor out.

As for how those people live on the streets, they don't care. They can find jobs by themselves. Isn't it shameful to receive unemployment benefits?

Then, they posted photos on social networks, and he bought luxury cars and yachts, and partyed with beautiful women. They were so "successful."

The sugar industry bribed scientists from Harvard University and came up with a calorie calculation method. Fat has six calories and sugar has four calories. If the calorie intake is lower than the consumption, you will lose weight. Countless men and women eat a lot of sugar and believe it.

All of them are obese and have underlying diseases. Every time there is a flu, so many people die in the United States.

If a serious infectious disease like the Spanish Flu really occurs, the only way the United States can do it is to collect body bags, and there will be many body bags. In the 21st century, the human collective will have to watch another tragedy.

Although the Catholic monks had no choice in the face of the Black Death, they still stayed with the believers.

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

"Okay, this house will be yours from now on." The real estate agent handed Pomona the key to the house on Santa Elena Island. They had just completed the transfer procedures, and it was a one-time transfer.

Full payment.

It's strange that she didn't feel very excited.

There are furniture from the Salt family in her "painting box". Capitalists like him also help workers get rid of their bad habits of alcoholism, develop hard work, and study to change their destiny.

But she would never let Draco Malfoy become the libertine of upper class society he is now.

With such a smart mind, why don't you think about other problems, such as how to prevent Venice from sinking?

If Moses' plan does not work, not only the houses bought in Venice will sink to the bottom of the sea, but other coastal cities will also be unlucky, and all the money invested will be wasted.

Why make a simple problem so complicated?

This is the consequence of whoever has the most money has the ability. As long as they can make money, they do things without considering the consequences.

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

If that nurse mortgaged her house in Costa Rica to buy a house in the United States, she would suffer a big loss.

The American dream has not come true, and her house in paradise has been taken away. If she doesn't survive in the United States, what else can she do to force a smile?

There is a book written by an American called House Slave by David Dane. The book writes that if this is a machine, the judge is not there to remove the sand from the machine, because he himself is sand.

Inverted justice represents wrong decisions, unfair treatment, unprincipled, lacking ideals, directionless, irrational, biased, stubborn, and too indifferent, which is not humane.
Chapter completed!