Chapter 122: Bitch-Raised News

As the representatives of the black families fled the square like refugees, Zhou Ming did not move, nor did he call out to them. He just stood there watching them leave. (No ads, optimal experience)

'Mr. Zhou Ming, shouldn't we do something? We can't let them just walk away,' said Umar.

Zhou Ming shook his head and sighed, 'I've said everything I need to say. I don't think there's any point in me saying anything more. After all, I'm asking them to give up their property, and no matter what, this is too much to ask. You know, I only met with them for the first time today, and even with you, Omar, vouching for them, it's still the same. Just because they support you doesn't mean they'll blindly give up their family.'

'I'm sorry, Mr. Zhou Ming, this is all because I didn't plan thoroughly and I didn't think things through, and that's why we're in this situation today. I'm really sorry,' Omar said to Zhou Ming.

Zhou Ming patted Omar on the shoulder and said to him, "No, to be honest, I didn't really have much confidence in today's event either. The only reason I did it was because I really had no other choice."

'As before, if we do it, there's still a glimmer of hope, but if we don't do it, there's definitely no hope, right?' Omar asked.

'That's the point,' Zhou Ming said. 'But it seems that I have overestimated my aura as the protagonist. Although I have won all the bets before, a bet is a bet after all, and luck cannot be on my side every time. The friends in the Veda community are not idiots. I was really naive to think that I could incite them a little and they would be willing to do things for me.

Omar stared at Zhou Ming, not understanding what he was talking about, so he had to ask, 'Mr. Zhou Ming, so are the meetings with the other ethnic groups still going to be held?'

Zhou Ming thought for a moment and said, 'Of course they will continue. We'll do our best and leave the rest to fate.'

Zhou Ming said this sentence with very little confidence. After all, he had just experienced a failure. In fact, as Zhou Ming himself said, he did not have much confidence in being able to persuade the representatives of the black families today. It was just that since being reborn until now, he had been a bit too confident due to the repeated victories, and he had completely forgotten that they were not mindless NPCs, but all living people with their own ideas.

But on the other hand, if there were other ways, Ming Zhou would not want to do this. But now, facing the Adams family's relentless pressure, the three major alliance families of the Kennedys, the Lawrences, and the Lowell's are all masters at not letting go of their prey. It was not easy to find a breakthrough in the subprime mortgage crisis, so how could he not try as hard as possible?

'Mr. Ming Zhou, I just listened to your speech, it was excellent. You captured the key points that everyone cares about. I believe today was just an accident!' Omar said to Ming Zhou.

Zhou Ming smiled and thanked Omar before leaving the Vinda Community Square.

Back in the car, Zhou Ming turned on his pager, and sure enough, there were many messages from Lin Muqing. Zhou Ming turned on his phone and called Lin Muqing back. The call was just connected when Lin Muqing's voice came through, her tone very urgent: 'Zhou Ming, have you finished the residents' meeting at the Vinda Community? You must have convinced the representatives of those black families, right?'

Zhou Ming smiled bitterly and said, 'I wish that was the case, but unfortunately, I didn't convince them. They are unwilling to give up their property, they think their property is their family.'

'What? Zhou Ming, you said you failed, you didn't convince them? But how is that possible?' Lin Muqing said incredulously.

"My dear Muqing, nothing is impossible, and

I don't have any supernatural powers to control people's minds, and I don't know any powerful hypnotism techniques, so how can I make people who I just met give up their properties for me? If I can do that, that would be the biggest miracle,' said Ming.

'Then Ming, don't you have other minority residents' meetings? Maybe these black families are just simply afraid on their behalf, and maybe other minorities will agree?' said Lin Muqing again.

Zhou Ming still had the same answer: 'I'm afraid it will be even more difficult than today, because no matter how much these minorities hate each other, there are always some who will agree. Today's failure will have a very bad influence on the others, and it will make it easier for other minorities to refuse.'

"But...if you can't convince them to file for personal bankruptcy and trigger the subprime mortgage crisis, how are we going to deal with the Adams family? According to the model Chen Yushu and the others have made, in the absence of any unforeseen circumstances, the current subprime mortgage market can still be maintained for at least five years. We can't wait that long!' Lin Muqing said.

'We can't wait that long, but there's nothing we can do about it. We can only do our best,' Zhou Ming said. 'Muqing, I will continue to persuade other minorities. I can persuade as many as I can. As for you, Muqing, think about if there are any other ways.'

Facing Zhou Ming's approach, Lin Muqing sighed and said, 'There's nothing else we can do, but Zhou Ming...'

Lin Muqing suddenly thought of something: 'I've always been a little worried. You've returned to Brighton and held a residents' meeting there. That's the Adams family's stronghold. Will they have already found out? Will you be in danger?'

'This is a battle, and since it is a battle, one must bear the risks that come with it. But I believe that with the protection of the battle, my safety is still guaranteed.' Zhou Ming thought about it and added, 'Sister Muqing, did you forget that I didn't even stay in the same hotel as Chen Shuyu and the others, but just found a motel with a very high turnover? So just rest assured.'

After hanging up the phone, Zhou Ming leaned back in his chair, frowning and thinking: This shouldn't be the case! There are definitely loopholes in subprime loans, and the subprime mortgage crisis in later generations has also proved that the risk of subprime loans is definitely much higher than the assessment of risk assessment companies. And the conditions I offered them were already very favourable, so is there something wrong with my thinking? Or could I discuss it with the three families and ask them to compensate these people with a property?

Zhou Ming's mind kept churning out all kinds of ideas, and he didn't think about whether he would be discovered by the Adams family, because he didn't appear directly in any place that was easy to be discovered. There were hundreds of thousands of people in Brighton, so he wouldn't be so easy to be discovered, right?

This was Zhou Ming's thought, and he had to say that his thoughts were very practical. After all, he also understood his current situation, so he had always tried his best to avoid places where he might be discovered by the Adams family. However, some accidents were beyond Zhou Ming's control.

When the general meeting of the Vidda community ended, a black woman returned home and immediately picked up the phone to call her real estate agent. As soon as she got through, she started yelling at him: 'James, you bastard, I trusted you and went through the loan procedures with you, but I never thought you would even lie to me. Have you forgotten that you swore that if you lied to me, you would be a son of a bitch? You son of a bitch!'

James, the broker on the other end of the line, was at a loss for words. He immediately said, 'Hey, Cindy, is that you? Cindy, please calm down, okay? I don't

understand what's making you so angry, but I think there must be a big misunderstanding.'

'Misunderstanding?' said Cindy, the black woman. 'What about the interest rate on my loan do you mean?'

'Loan interest rate? I'm sorry, Cindy, I don't understand what you mean. If I remember correctly, your interest rate is 7.x%, which is already very, very low. It's not possible for ordinary people to get such a favourable loan, so there's no problem with that.' James explained what he had thought of next, 'Did someone say something to you? I can bet you that he was trying to sell you a loan. Cindy, I ask you to believe me, nothing will be more favourable than the loan I gave you.'

'Go to hell, you son of a bitch liar!' Cindy scolded. "Then please explain to me why the bank's interest rate is 3 percentage points, and why I have to pay you nearly $200,000 in interest over twenty years, which is equivalent to the total amount of my loan!"

James said, 'Cindy, I hope you can calm down. I don't understand why you're talking about $200,000 in interest. I only ask you to pay $1,600 a month, isn't that right? That's a very small expense.'

'As for the bank's interest rate,' James added, "it is a preferential loan with conditions that ordinary people cannot obtain. If Cindy doesn't believe you, you can apply for it and see."

'No matter what you say, I will never trust you again! You and your company are just trying to defraud me of my property and use me and my property to make money for you!' Cindy yelled, 'Today a man named Zhou Ming already told me. He turned out to be the owner of Wharton Insurance Company and he knows all the scams among you.'

'I'll tell you what, James, if I didn't care about my kids, I'd file for personal bankruptcy and let your company and this loan go to hell!' Cindy's cursing got worse and worse, "In the end, our friendship is over, and I'll curse you, I swear!"

After that, Cindy hung up the phone, leaving James stunned on the other end.

It was a while before James put down the phone. He then got up from his seat and found his supervisor, a middle-aged bald man.

'Hey boss, I think I have a situation to tell you about,' James said. 'Just now I got a call from Cindy, a very good friend of mine, but she just cursed me a son of a bitch on the phone because someone told her about subprime loans and loan amounts. She also threatened me that she would file for personal bankruptcy, leaving us no way to recover the loan but to foreclose on the property.'

The middle-aged man sat up alertly: 'Did she say who told her? This is not good news.'

James nodded and said, 'She did say that it seemed to be a Chinese man named Zhou Ming, who is the owner of Wharton Insurance.'

'Wharton Insurance? And Zhou Ming? I seem to have heard these names somewhere before,' the middle-aged man said doubtfully.

"Boss, if I remember correctly, isn't Wharton Insurance the insurance company that was previously protested by many people and requested to go bankrupt?' James said.

The middle-aged man suddenly became nervous and asked James, 'Are you sure?'

James nodded and said he was sure. The middle-aged man patted him on the shoulder and said, 'That's great!' Then he walked back to his desk, picked up the phone, dialed a number, and said, 'Hello, this is the company director. I have very important news for Mr. Brook. It's about Zhou Ming of Wharton Insurance...'