Chapter 15: 015 This kid, so talented

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Gu Wanzhou, though a businesswoman,

found herself frequtly snared in an echo chamber of information.

At this momt, after hearing what Li Zhiyan had to say, she couldn't help but feel ignorant.

She was also somewhat shak by it.

It seemed that this child knew a great deal.

As Li Zhiyan helped Gu Wanzhou with picking vegetables,

he spoke, "The Big Five investmt banks in America refer to private investmt banks, namely Goldman Sachs, Morgan Stanley, Merrill Lynch, Lehman Brothers, and Bear Stearns."

"If Aunt Gu finds investmt banking a bit unfamiliar,"

"you might be aware of HSBC on Hong Kong Island, where they offer domestic deposit interest rates at t perct."

"These banks were once at the height of their glory in America."

"Their economic domains had extded into every aspect of the lives of ordinary Americans."

"However, under the global financial tsunami triggered by the subprime mortgage crisis,"

"within less than a year, most financial institutions couldn't hold out."

"Among them, Merrill Lynch was acquired by Bank of America in 008."

"Lehman Brothers has already collapsed."

"The fate of Bear Stearns was not much better, disappearing into history that same year, 008."

"Now, the only super investmt banks left are esstially Goldman Sachs and Morgan Stanley."

Li Zhiyan was somewhat impressed with himself for remembering these things so clearly; he thought that it might be related to his hanced memory after coming back to life.

"Auntie understands now..."

"These super investmt banks are private banks, and they use the bank's money to make various investmts to make money."

"But they collapsed under the subprime crisis."

"However, does this have anything to do with the rise in house prices?"

Gu Wanzhou found herself growing fonder of Li Zhiyan by the momt and inwardly regretted that he wasn't her own son.

What a talted and outstanding young man.

"Subprime dotes loans that are of inferior credit quality,"

"meaning 'subprime' relates to low credit and weak ability to repay debts."

"This is similar to the credit scoring system in our country where people without stable jobs are tagged with a low credit rating."

"Those people are basically impossible to ld to by banks."

Seeing the awe in Gu Wanzhou's eyes,

Li Zhiyan continued, "In America, loans are a very common occurrce because everyone likes to consume beyond their means."

"Making people all over the world pay for America's actions."

Actually, Li Zhiyan didn't understand either.

But, knowing future trds, he could be considered a prophet, so whatever he said was right."

Li Zhiyan discussed the financial crisis with an air of nonchalance.

My heartbeat inexplicably quicked. How does this kid know everything? Wh he talks about these things, he inexplicably looks a bit handsome.

Talted m are indeed attractive.

"So, under America's unrestrained money printing in 008,"

"we also expericed a significant flood of liquidity."

"After this money tered the market,"

"it didn't flow into other industries but was locked into real estate instead."

"Only in this way could they sure that prices wouldn't skyrocket."

"Real estate is our reservoir."

"It sures that the newly issued currcy doesn't circulate in the market."

Li Zhiyan didn't quite understand these things, so he wt on to talk nonsse.

As long as the outcome was right, that was all that mattered.

Gu Wanzhou listed from the side, somewhat confused, but she was completely convinced by Li Zhiyan.

This kid could self-learn computer programming at 8.

He really was differt from ordinary people!

"So, for many years to come, I predict that housing prices will continue to rise."

"If you buy a house now, with a down paymt, you can make a lot of money in the future."

Looking at Li Zhiyan in front of me, still helping with the vegetables,

I felt my heartbeat quick ev more.

My hormones seemed to start flowing.

Is this the feeling of being smitt?

Thinking back to Li Zhiyan's long speech, my heart just couldn't settle down.

"Little Darling, Auntie really didn't expect you to know so much."

"What you said earlier makes a lot of sse; I've decided to buy another house."

After patting Li Zhiyan's head,

Gu Wanzhou continued, "Auntie wanted to ask you, would you be willing to be my godson?"

"In the future, Auntie will cherish you just like a mother would."

Li Zhiyan felt somewhat helpless. How come after being reborn, both Yu Sisi's real mom and Liu Zifg's real mom wanted to be his mother; it was absurd.