Subprime Crisis – Enge ni? (Part 1+2)

March 22nd, 2009 12:36 am by Sandman

Tunlai news ah “US Federal Reserve in AIG a bail chhuak” tih te kan hmuh mai bak ah , New York atanga Hong Kong thlengin financial industry ho chu chi ai in an phu zawk zawk mai le. Banks lian tak tak pawh 24/7 (nitin darkar 24) inring reng in an awm thap mai. Company lian lutuk AIG te, Lehman Brothers te, Merryl Lynch te an tla chhe rup mai le.

Tun ah company tla chhe thei lo tur a ngaih Goldman Sach te, Morgan Stanley te pawh an che buai ve mek ani. Newspaper tin ah a lang nitin mai bawk nen, mi pangngai tan chuan “Engatinge mawle?” han tih mai a awl khawp mai. A hma a kan han ziah tawh ang in, a bul tan tir tu ber chu “Subprime Crisis” vang ani kan han tia, enge “subprime crisis” hi ni a, engtin tak nge hetiang em em a economy a tih chhiat theih le tih zawhna chu awlsam thei ang ber in han chhui kan tum dawn nia. Tin, he topic hi a complicated em em mai a, effects a ngah lutuk a, chuvang chuan tun ah tak phei hi chuan a chipchiar thei ang ber a han hrilh fiah pawh thil harsa tak ani. Company lian tak tak ah pawh hian eng chen chiah in nge an lo in hnam hnawih, eng chen hi nge an ziah bo a, eng chen hi nge an lo rawn pho chhuah lang duh loh tih te hi zawhna tam tak a la awm ani.

Tunlai newspaper Business section chhiar in “subprime” tih hi a lang deuh reng tawh mai a. He tawngkam hi tawngkam tharlam tak mai ania, a mah erawh chu a rawn lar chak em em thung ani.

Subprime hi “B-paper”, “near-prime”, “second chance lending” tih ten an sawi bawk. A awlsam zawng chuan a phu lo tur hnen a pawisa tam tak puk tir tih na ani mai.

Tin, a hriat a awlsam zawk theih nan, case study ang ni deuh pah fawm in, kan veng ami thenawm pa loan lak ngei I han hmang teh ang. A theih ang tawk a awlsam in ziah ka tum a, hei vang hian ziah sual ka neih phah erawh chu ka hlau hle thung.

Ka thenawm pa hi Housing loan la zing ah hian lo tel ve ta se, pawisa nei lem lo tak ni bawk se, US System in engtin nge a kal tlang ang tih a in dawt te te in han chhui dawn chhin ta ila:

HOME/MORTGAGE LOAN: Thenawm pa in Housing Loan Rs. Nuaih 10 a mamawh a, hei hi bank atang ngei in a apply ve ta ani. Bank ho hian a tlangpuiin down payment hi an la tlangpui a, hei hi 20% lo ni ta ang se (Hei hi a bank a zir in a in ang lova, 5 – 10% te pawh a ni thei bawk), down payment ah chuan Rs. Cheng Nuaih hnih a chawi a ngai dawn ani. Hei hi a awmzia chu, Housing loan an apply hian, banks ho hian a in man tur a zavaiin pe lovin, 70 – 80% of the house value (in man 70 – 80%) vel an pe thin ani. Tin, banks ho hian credit rating an siam bawk a, heath hian loan la tur khan loan hlui a nei em? Credit cards te a nei em? Heng a neih ho hi engtin nge a rulh let dan kal phung?. A hun tak ah a lo rul let chat chat thin lo anih phei chuan, a credit rating hi a chhe hle dawn ani. Hemi credit rating atang hian “subprime” tih hi a lo chhuah chhan tak ani bawk. An credit rating a chhiat viau hian (credit rating 720 – 850 hi A – paper an tia, heng ho tan hian loan lak a awlsam ber a, credit rating 620 bawr vel leh a ai a hniam zawng hi sub-prime/Non-prime lending material an tih ho chu ani), loan la thei lo tur tluk a ngaih anni. Hei vang hian subprime loan tih hi chu a tir ah interest rate hniam hle mahse, a risky avangin, a rei hnu ah a rawn sang thin em em bawk ani.

Tin, thenawm pa hian kum khat ah nuaih khat vel hlawh ta se, savings account ah pawisa dah sawi tham nei bawk silo se, banks pangngai ve tawh chin chuan housing loan hi tuman an pe duh lovang. Down payment ringawt pawh pek a harsat dawn avangin, application chu an reject nghal mai ang. Hei hi Subprime lending lo chhuah bul tan tak chu ani.

Thenawm pa hian loan lo buaipui sak tu tur hmelhriat, Pu Thanga a nei tlat mai (hei hi Mortgage Broker emaw Loan officer emaw a tih theih ang). Pu Thanga hi a ei zawn na ber chu, hetiang housing loan la duh hi a zawng khawm a,chuan bank ah an loan application a lo buaipui sak thin ai. Pu Thanga tan hi chuan, a mah kal tlanga housing loan la thei an awm a piang hian, bank atang hian commission a dawng ziah thin a,chuvang chuan Pu Thanga tum ber chu,engti kawng zawng pawh a, thenawmpa loan lak theih na tur hi ani. Thenawmpa credit scores neih sa hi Pu Thanga hian a siam danglam theih loh avangin thenawmpa personal records, financial records leh a hlawh vel te chu a siam danglam sak a,hlawh sang tak nei ang leh saving accounts a pawisa tam tak nei ang in ziah dan a ngaihtuah ta ani. Tin, thenawm pa hian down payment tur tak ngial pawh a neih loh avang hian a down payment tur hrim hrim hi Bank dang atangin in loan hran a ngaihtuah sak leh bawk ani.

Chutichuan thenawm pa hian Banks pakhatna (Bank 1) atangin loan a la ta a. Bank pakhat zawk atang hian fixed rate (10% vel) in a down payment tur cheng singhnih atanga singhnih sangnga (Rs. 20,000 – Rs. 25,000) vel bawk loan a tih fel sak phawt a. Heta tang hian thenawm pa hian thla tin Cheng sanghnih (Rs. 2000/-) vel a pek ngai tur ah han dah phawt ila.

Tin, Bank pahnihna (Bank 2) atang hian a housing loan tur tak chu Pu Thanga hian a tih fel sak ta ani. Bank pahnihna atang hian a mamawh tur a bang zawng (Down payment tur lo chin zawng) chu a la leh ta ani. Bank 2 na a, a loan lak hi Home Loan tak a chu anih vang in, a interest rate hi a 7 – 7.5 % vel chauh ani. Mahse hemi interest rate (a loan interest rate) hi fixed ani lo thung a, kum hnih chhung chauh ni tur in an in remsiam a, kum hnih hnu ah market interest rate a zir in a kum tin a pung in a tla hniam thei bawk. Hemi hi ADJUSTABLE RATE MORTGAGE (ARM) an tih chu ania, thenawmpa lak hi 2/1 ARM ani tih na ani. Economy a that chhung chuan, in sawn chhuak zung zung duh tan chuan hei hi a awlsam em em ani. Tin, tun a a loan lak na rate ah hian thenawm pa hian thlatin cheng sangthum – sangli (Rs. 3000 – Rs. 4000) vel pe tur ah lo ngai ta bawk ila, thlatin Bank pakhatna leh pahnihna a a loan lak te hi a pek ve ve a ngai ziah dawn tih na ani.

MORTGAGE – BACKED SECURITIES/ASSET BACKED SECURITIES

A chung a kan han tarlan ang khian thenawmpa chuan a loan lak atang chuan in (House) chu a lei ta a. Tin, a housing loan (mortgage loan) hi kum 30 chhung a a rulh a ngai ani. A Housing Loan contract a zir in, thenawmpa hian kum 30 chhung chuan a loan lak ai a tam fe, a rulh a ngai dawn tih na ani a, hei hi hun lo kal zel tur ah, Bank ho sum hmuh ve na leh an hlawkna tur chu a ni ve leh thung bawk ani.

Hemi hun rei tak kum 30 te, kum 30 chuang te, pawisa rulh zawh nan a han nghah hi, loan petu Banks ho hian nghak chhuak lovin, Investment Banks ho an ruai ve leh ta a. Banks ho hian pawisa tam tak an puk tir hi, a rulh let leh chhung a rei bawk sia, chumi chhung a pawisa an hmuh let theih nan leh an pawisa puk tir belh zer tur pawisa a lo luh zung zung theih nan a,hetianga Investment Banks ho ruai ta hi an ni. Chuti chuan Housing Loan contracts an pek chhuah ho tam tak chu thet darh in, tlem te te in mipui hnenah an zuar ta a, heng a lei mipui ho hian a khat tawk in dividends (mipui hovin an lei na atanga a hlawk na an hmuh tur) an dawng dawn bawk ani. Hetiang mipui ho hnen a an hralh hi SECURITIES chu ani a, tin loan la tu hovin an loan lo rul tha lo palh pawh ni mahse, a in hmun leh a in an laksak theih dawn tho avangin MORTGAGE BACKED SECURITIES tih ani.

Mipui (Investors) ho hian hetiang SECURITIES an lei hian, thenawmpa te chanchin vel hi engmah an hre lova, loan tha leh chhia a in hlawm khawm vek avangin, Rating Agencies in a SECURITY rating an pek dan a zir in an lei pawp pawp tawp mai ani. Rating Agencies ho bawk hian, loan tha chin chauh an hriat tlangpui a vang hian, rating an pe sang thei em em bawk ani (Example: Aizawl ah in hmun, zau deuh mai a tan hian Bank in loan pe ta teuh se, khian banks ho hian SECURITIES siam duh ta se, Rating Agencies ho hnen ah khan chuan loan la ho zinga a mi hausa ho leh awm thei ho chauh an hrilh chuan a rating a tha dawn tlangpui ani)

SUBPRIME CRISIS:

Thenawmpa hian a loan lak hi thei leh thei lovin a pe ve ngawr ngawr a, mahse a interest rate (a hma a Adjustable Rate Mortgage or ARM kan tih kha) hi rawn sang ta vak seng chuan, a buai ngei dawn ani. Tin,a loan hi a rulh chhunzawm theih loh chuan a in hi a loan lak na Bank hnen ah khan a pek let (Foreclose) a ngai dawn bawk ani. Hetia a pek let hian, in awm na tur a neih loh mai bak ah, a dang luah leh tur zawng mahse, a luah man tur a neih tawh dawn loh avangin awmna tur nei lovin a vak vai der dawn chu ani reng mai a. Tin, hetiang loan pek theih loh avanga in an pek leh (foreclose) hian, a ram leh a chhehvel hian a value (a hlutna) a hlauh vek zel bawk a, hei hian a hmun leh a chhehvel economy a tih chhiat belh ve leh zel bawk (Sawrkar hian school te, hospital te leh program chi hrang hrang a chawmna tam zawk hi Mortgage atanga a pawisa hmuh atangin ani)

ENGTIN NGE A LO CHHUAH TAN DAN:

Dot-com-burst hun lai vel (Internet company ho an tlak chhiat sup sup lai khan), Alan Greenfield (Chairman, Federal Reserve Board) leh US Federal Reserve Bank chuan US Economy chu chhanchhuah tum in 2001 bawr vel khan interest rate an pawt hniam vak mai a. Hemi interest rate an han tih hniam tak vak hian pawisa (cheap money) luang kual vel a ti tam ta em em a. Loan, borrowing, pawisa hmuhna leh pukna tur a ti tam em em bawk a. In hmun tha deuh emaw, company lian deuh leichhawng duh tan chuan interest rate tlem te in pawisa puk tir tu tur (lenders) khawi hmun ah pawh an in tlar put mai ani. Loan vel lak in interest rate a hniam bawk nen, in hmun man a sang zel bawk sia, banks tan phei chuan loss siam lovin housing loan an pe chhuak chur chur mai a.

A hma a kan ziah, thenawmpa khan hetiang ang interest rate hniam leh pawisa tam na ah hian a loan kha lo rul tha thei ta lo se engtin nge a tih ang?

Pawisa a awlsam em a vang leh, interest rate a hniam a vangin economy a tha tulh tulh bawk a,tin , ram leh inhmun lah chuan a hlutna a pung tulh tulh mai bawk sia, thenawmpa tak chuan a loan lo rul tha thei lo pawh nise, a tan chuan a lungngaih thlak hrih loh hle. A hma a kan han sawi tawh tak Adjustable Mortgage rate (ARM) kan tih te kha chuan mi rilru ah zawhna a la rawn siam lo hrim hrim ni in a lang. Banks tam zawk hian “Refinance Mortgage Loan” plan an nei a, hei hi lak a awlsam em em ani. A awmzia chu, thenawmpa khian a Housing loan lak kha a interest rate kum hnih hnu ah (2/1 ARM kan tih kha) a rawn sang deuh anih pawn, Bank dang ah a kal a, Bank dang khan “Refinance Mortgage Loan” awlsam te in an lo pe mai ani. Hetah hian Bank hian a hma a thenawmpa puk zawng zawng kha a lo rulh sak vek a, tin, a bul atangin Housing loan, interest rate hniam thei ang ber in a lo pe tha leh ta ani. Tin, kum a lo ral tawh a, a in hmun kha a hlutna (value) a lo sang tawh deuh bawk nen, tin, thenawmpa khan installment a lo pek ve nual tawh avang khan, thenawmpa hian thlatin a hma a a pek thin ai a tlem a pek phah thei bawk. Chu mai bak ah, a loan hmuh thar atang hian pawisa chuang liam (extra liquidity) a neih theih phah bawk ani. Mi zawng zawng deuh thaw chuan hetiang a sumdawn hi interest rate a that chhung chuan risk lian awm lo tur ah an ngai deuh vek bawk.

Thenawmpa in a hriat loh chu, interest rate hi rawn sang chho ta vak se, refinance leh na tur a hmu lovang a, tin, a interest rate kum hnih hnu a pung tur kha sang filawr in a rawn pung chho thei dawn tih leh a in hmun hlutna (value) hi a tla hniam ve thei tih te hi anni.

INTEREST RATE RINGAWT IN HETIANG EM EM BUAINA HI A CHHUAH TIR THEI EMNI?

Interest rate hi a teh fung pakhat ve chauh a lo ni a, hetiang em em a buaina chhuah tir tu chu a lo ni lo hle. Wall Street (US a stock markets an zawrh na, trading, selling, buying) in hemi Mortgage Loan ho hi a lo khawih kual nasat lutuk vang ani ber ani. A tir atangin dik lo tak a lo khawih chingpen nasat lutuk vangin, financial experts thenkhat ho chian hetiang buaina ni a lo thlen hun hi an lo nghak ru reng ani.

Admin note: To be continued.

18 Responses to “Subprime Crisis – Enge ni? (Part 1+2)”

1
funny Says:
March 22nd, 2009 at 1:20 am
A van seiin avan tha in chhiar ava manhla ve
Report this comment
2
winning Says:
March 22nd, 2009 at 1:28 am
funny chu min hma khalh leh ni maw
Report this comment
3
islander Says:
March 22nd, 2009 at 1:56 am
Mizoramah hi chuan India ram danga tribla te an protect ve na ber mortgage lova loan pek hi an phalsak ve lo. Hei vang hian mortgage tur inhmun lem a piang ta treuh treuh maia. Tunhma deuh kha chuan mortgage valuation titur hian Mizo te pawh an mhang ve thrin. Tunah hi chuan LSC lem a tam tak em avangin Silchar lam vai in property verification an rawn ti ta thrin.

America Chiahpuam – Subprime Crisis hian a nghawng na trek trek asin. A la na dawn chauh anih phei chuan – Asia ram economy pawh a buai hle dawn a ni. Engtinnge India ram a nghawng dan Mizoram telin -
1) India Rs tlahniam mahse bulk buyer US economy a chhiat avangin exporter ho an tlachhe mek zel
2) BPO ho hna a tlem phah chu chuan IT industry tamtak ten an staff te an ban.
3)Construction leh housing industry a tlahniam hei vang hian steel leh cement siamtute an buai.
4)He thil nghawng vang hian Rs vrs $ ah Rs a tlawm tawlh tawlh. Petroleum product ho a to phah – diesel to in common man min nghawng zel dawn. Alkatra thlengin a let in a to chho.
5) Car te LMV HMV sales a tlahniam. Bus phei chu demand a hniam lutuk avangin India Stimulus plan ah sawrkarin Bus a leina free deuh thaw in state sawrkar fund ape, a chhan Bus siamtu Co in an hnathawkte an ban loh nan.
6)Ei leh bar a intodelh lo Mizoram hi thil phurh luh man to bawk si engkim vai ram atrang a chaw lut hi min nghawng nasa dawn. Industry awn lo ni mah ila kan ram kilkhawr vang hian Rs 100 in al eitheih kha a zahve aha tlahniam thuai dawn. Economy Stimulus plan ti ve thei turin Resernve kan nei si lo kan hotuten kut an dawh leh dawn chu chiah chu kan inghahna tur anih hmel.
Report this comment
4
sabereka Says:
March 22nd, 2009 at 4:04 am
Va thui ve…ka hrethiam tlem khp mai mahse ka ciar cuak ve vek
Report this comment
5
olterandy Says:
March 22nd, 2009 at 5:32 am
Ka lo belh ve mai2
911 a World Trade Center bombing vanga thil kal zel niin a lang. WTC kha bomb ta lo se, US economy hi a ngaiin a kal a rinawm. An bomb chhiat hnuah US economy collapse trep a, chuan tuman khawiah mah an invest thra ngam tawh lo, return tha hmuh tur a van avangin. a tu a te pohin alternative investment thra an zawng chuk mai a Pu Alan Greenspan lahin interest rate 1% dawnin lo tihniam bawk si. Mahse interest rate hniam ve lutuk lo, returns pe sang em em silo, mahse invest na that hmel deuh chu property alo ni tlat mai. Chutah lah USA chhunga property lo hi kher bawk nen (USA a mahni a ram/house neih te chu hlu deuh tur asin). Tin in hmun man te chu sang chho zel tura ngaih ani hrim2 a. Property a invest kha thil thra tak angin a lang ta ani. Chuan mi tam takin in neih an lo duh ve a, home loan an la ta chur2 mai ani. Pawi ta a chu home loan kha mi nazawng (eg.credit rating chhe nei) tan pawh lak alo har lo ta a. Mahse mi nazawng ho in loan rulh thrat thu awm hek suh. Hei hi 2001-02 bawr vel kha ani.

2003 vel kha chuan loan rulh thrat loh kha a pung ve fe tawh a. chutih lai bawr vel chuan alawm company bon deuh2 Lehman Brothers tih vel khan MBA finance thiam hlawh sang deuh deuhin an ruai a, in la brain deuh khan magic an show a. Chu magic chu loan rulh thrat loh ho kha an chei mawi a, hming fancy deuh eg. CDO (Collateralized Debt Obligations) an tia, which in plain English refers to buying home loans that banks had already issued to customers, cutting them into smaller pieces, packaging the pieces based on return (interest rate), value, tenure (duration of the loans). Good CDO, Bad CDO & Ugly CDO. Good CDO pawh hi case chhe zinga tha ber ania, Ugly CDO phei hi chu tih ngaihna thlawt awm lo ang chi kha ani. Khatia Banks atanga loan tha lo lei chhawn CDO anga Lehman Brothers ten an hralh chhawn leh khan Lehman Brothers in Banks atangin commission tha tak tak an hmu bawk sia. An hralh zel a, ram hrang hrang a investors lian hnenah an hralh bawk ta zel a e.g. Pensions Funds in Japan, Life Insurance Companies in Finland, School Boards in Kansas, Norwegian Village Pension Fund, ICICI Bank in India etc. heng ho hian home loans kha risk tlem leh safe anga an ngaih vang chauh ani. A hralh tlak tak tak lai chuan Lehman Brothers pawhin an CDO kha an mahni tan an lei ve te an tih chu

Lehman Brothers ho bawk khan in la brain deuhin an CDO kha AIG insure turin an thlem thlu a, engemaw home loan rulh thrat loh bonra deuh a awm pawhin tiin. Khawvel ram hrang hrangah miin CDO an lo hre ta. In man sang zel tura rinna a awm avangin ram hrang hrang financial institutions hovin CDO lei nan sum an rawn chhung lut ta bawk.

Mahse kum 2006 tawp vel bawr khan interest rate lo hniam thin kha lo sang ve tawlh tawlh tawh bawk si, Home loan la tu ho khan an rul tha thei/duh ta lo va, a buai tan ta a. Mi tam takin loan an pek that theih loh avangin in an lei sa kha an rawn zuar chhawng ve leh a. Mahse lei tu tur an hmu ta hlawm silo. In man a tla hniam ta duai2 mai a. 2007 kum tir lam atang phei kha chuan in man kha a tla hniam tawh hle ani. An tlak hniam zel taka chuan ram dang atang US a rawn invest ho khan an returns hmuh tur kha an hmu ta lo tan a, mahse a lo rapthlak lutuk takah chuan tuman an control zo ta lo. Home loans la ho tam takin an rul thei silo, CDO lei tu tam tak investors ho in engmah an hmu let bawk silo. A buai ta nuaih mai ani. A chiahpuam case ta ruih mai anih chu.

AIG kha insure tu an lo ni sia, mahse a za vaiin an chhanchhuak thei silo. Demand a san laia Banks te nau ho in loan an pek chhuah theih nana Bank lian hnena an sum puk an rul thei ta bawk silo. Bank ho an buai avangin IT company Bank software siam ho (eg. Infosys & etc) an buai ta bawk, Bank ah sum a awm tlem tak vangin industry zawng zawng deuh thaw effect bawk. Ram hrang hrangah market a crash ta zet zet mai ani.

Chuvangin WTC kha bomb lo se, interest rate khati vakin tih hniam a rin awm loh. CDO pawh a piang lo maithei. WTC kha bomb anih tak si ah chuan US economy in tluk chhiat loh tuma an beih na khan nasa takin a vaw let zawk mek ani. Osama chu nui var2 mai thei ani. He economic recession in a a khawih pawi dan chiang leh zual zawka hriathiam duh chuan Bena’n facebook a link rawn tih lan hi ka rawn share ve nghal e https://www.boston.com/bigpictu.....ssion.html

Hna nei sa te u taima takin in hna kha thawk zel rawh u. chuti lo chu in ban or an ban che u chuan hna dang zawn a har tralh ang.
Report this comment
6
caribou Says:
March 22nd, 2009 at 7:56 am
@islander: ka chhiar chhuak vek. A ngaihnawm kher mai. Helamah chuan TATA-AIG life insurance agent hovin bu an khuar a, plan scheme hrang hrang min zawrh nasa mai. AIG ber mai hian a tihlauhawm em? Tunlai hi investment tih nan hun tha ani em? Mizoram Rural Bank ah 10% pa for 5 yrs a nia. A tha ve tho em? Please suggest.
Report this comment
7
funny Says:
March 22nd, 2009 at 10:46 am
tunlai chu khawi hmun ah mai pawh hian “Job layoff a tam” tih hi ani deuh reng mai.
Mizoram ah ve thung hi chuan hetiangin a affect company leh industry kan la neih lemloh avangin hna chan phah an awmlo hi a tha lehling phian te ka tia
Report this comment
8
funny Says:
March 22nd, 2009 at 11:06 am
tun kum leh nakum vel chu growth rate 7% pawh kan phak dawn in a lang talo tlatmai,
a hrim hrim in mizoram state bik hi enge kan growth rate nive thin le?????

caribou: ka thiamloh ang ang hian kalo chhang ve mai mai ang che
invest i tih hian khawia invest nge? eng ang zawnga invest i tihna nge niang aw.. te ka tia
Rural bank vela a pung awma pawisa dah i tum anih chuan a affect lemlin ka ringlo,
an scheme an thlak hma in tih vat vat a chi zawk maithei hial ani.
mi hip nan bank hian a aia pung tlema tam zawkin offer an rawn siam maithei bawka. hihihi

stock market velah te invest i tum chuan a risk san laitak niin kalo hre ve mai mai. kei mimawl hian. (ngaihdan ve mai mai nih chu)
Report this comment
9
Lily_parmawia Says:
March 22nd, 2009 at 1:20 pm
@Sandman
Ti tha kher mai… a tran tirh lai vel khan kan chhiar ve thina, timesofindia tangin.. ka english thiamin a tlin meuh lo chiangkuang var turin. basically chiahin ka hria subprime tak hi chu.

@caribou
TATA-AIG ah ah hian an stake holding ratio chu 70:30 ni ta in ka hria.
a omjia chu 70% TATA sum, a bak zong 30% AIG sum
Report this comment
10
Lily_parmawia Says:
March 22nd, 2009 at 1:25 pm
Fixed Deposit ah chuan Rural Bank of India atha ber. Tax a omlo tluk ania, chuan an rate asang bera, inflation in a eichhe lo ber bok..
E.g

Rs.1,00,000 i deposit a
Kum 10 hnu ah, 10% interest in.

Rs. 2,59,374 i kholkhom hman ang.
Kum 10 chhunga a let khat leh achanve hi tha teu2 tak a ni..
Report this comment
11
islander Says:
March 22nd, 2009 at 2:10 pm
@caribou i sum neih kha 50% Mutual fund ah invest la an ni kha profe an nia. 25% dang commodity/techno/infra ah invest la heihi risk a ni – exit hun melh reng chi. 25% dang hi Gold ah invest rawh. Heihi insurance sawi tel lovin. AIG hi US in bail out a tum em mai a risk ngam em ang chu maw???
Report this comment
12
caribou Says:
March 22nd, 2009 at 7:53 pm
@funny, lily-parmawia and islander: network a awm tha lo va, ka reh rei. In mi chhanna a ngaihnawm in, a bengvar thlak. Ka lawm e.
Report this comment
13
Siam2ipa Says:
March 23rd, 2009 at 10:22 am
Ngaihnawm khawp mai, citigroup ah ka thawk thin a, prime cust kan deal thin, nuam ka ti thei thawtlo a, cust te thisen hipsak ang vel ni ber in ka hria, option one ah ka insawn a, subprime cust an lo dawr a !!!! Training lai atangin kan trainer nen kan inhnial ngat2 thin, keiin ‘thil theih a nilo, EMI pe tha theilo in Interest rate sang zawk a loan an lak in engtinnge an pek theih ang, prime cust pawhin an harsat asin, company hian a la tuar ang’ ka ti thin a, ani in ‘cust te in neilo kan pui alawm’ a ti thin a, ka pawm thei nganglo a, ka chhuahsan ta thuai, tun thleng hian ka hriatthiam em em pawh ka hre chuanglo, ka thawk ve tawh na in.
EMI vawikhat an pekloh hian an hming hi kum 7 credit record book ah a chuang a ti kan trainer chuan!!!
Report this comment
14
Sandman Says:
March 23rd, 2009 at 11:10 am
Disclaimer:

Heihi ka ziah a nilo a nia!!!! lolz. Ka thianpa Mapuia IIMA ziah a nia, courtesy tih pawn a mah credits ka han pek khi.

tiang lam chu sawi ve theih ka neilo, interesting hle na in.
Report this comment
15
Blind Dayze Says:
March 23rd, 2009 at 6:34 pm
A sei lutuk…ka chhiar vek lo….mahse tun hnai deuh ka thil chhiar nen link a om deuh [banking]…..@olterandy ah comment ah khian 9/11 ron sawi lang bawk nen….

Illuminati related bok a ni….hei text kan copy > paste ve trok mai don…maybe someone out there is interested enough to read…and the extent to which you believe the following text all depends on you….

Three connections between Satanism, evil, and money

Money naturally attracts itself to evil. For instance, if a woman prostitutes herself she may receive a great sum of money, but who will pay her for keeping her virginity or her dignity? If you are a hit man a large amount of money is yours if you kill your target, who will pay you if you would miss your target?

Second, evil men believe in where there is a will there is a way, and they are willing to sell their souls for their God money. They will employ evil to gain money.

While most people are quite aware of these last two connections, a third may likely have escaped their attention.

Thirdly, the principle group of men who cranked up International Banking were Satanists from the beginning. These Satanists now are the ones who run the Federal Reserve and are responsible for the creation of U.S. Federal Reserve notes. Just having total control over the supply of U.S. paper money almost gives them leverage over the world’s finances, without mentioning they control the world bank.

read more here: https://www.bibliotecapleyades......schild.htm

..9/11 chungchang ah hian…. 9/11 Synthetic Terror – Made in USA ..tih bu kha lo chhiar ve roh u…..basically what the author is saying is that 9/11 was an “inside job”…..
Report this comment
16
Blind Dayze Says:
March 23rd, 2009 at 6:52 pm
i cant resist but to post another quote by one of the readers who also read 9/11…Synthetic Terror…here again he makes a note in its relation to banking… and please not this is “Ripley’s believe it or not”…kind of conspiracy content …..mahse a ngaihnom a ni….Ficiton novel chhiar ai chuan…

Quote:
“With all that has come into the light we can only conclude one thing and that is this was an inside job. [9/11]

Most americans that still believe in their gov’t are blind and need to wake up and stop following the contrived news. You are being brainwashed.

This was just another bay of pigs operation and pearl harbor. It is sick to think that greed for money was the motivator in this operation. It is sad that our troops are being killed because they believe they are doing their jobs in the name of liberty.

The fact is that iraq never attacked us nor did they invade us. So one can only question why our gov’t decided to invade iraq. Now they are wanting to do the same to iran.

My conclusion is that our gov’t does not want the oil as much as a controlled centralized bank. These countries wanted to continue to create their own money and hence we attacked to cripple their country so that they had no choice but to accept a central bank. Hence why they are pushing to chip everyone so they can have their new world order. So they control people like puppets.

These international bankers are sick zionist. All they care about is control and money. This is the reason why they want a war with iran. It is no wonder why israel is pushing this war.

Who owns the central banks? Who wants a nwo? Who helped create a terrorist plot so people would give up their freedoms?

Bottom line is they want division so they can conquer.

All people of the world need to know who the real enemy is and it is not religion, it is not color, it is not culture, it is not other countries, etc.

The enemy here are the ones financing these wars.

Think about that.”……….
Report this comment
17
blackmagicwoman Says:
March 23rd, 2009 at 9:30 pm
Van ngaihnawm eeeee!! tiang lampang hi ron post zing deuh teh u
Report this comment
18
Ignatia (33-115 AD) Says:
October 15th, 2011 at 9:41 pm
Hei hi LTPA ziak chu a nih hi…. titi a dang ta deuh si a ka chhiar chhuak ta dap mai a.
Report this comment