The annual interest rate of the special loan used for the HT plan is not high. The loan period is ten years and the annual interest rate is 12%...

Thanks to the convenience of the new bill that removes the upper limit on residential loan interest rates, Carter's loan, which in ordinary times can be said to be usury, no longer has any legal loopholes.

But similarly, compared with the normal residential loan interest rates in the past, the annual interest rate of 12% has doubled or tripled. But if it is compared with some commercial loan interest rates in the current market, which are rushing towards 18%, or

Compared with the long-term residential loan interest rate of about 14%, Carter's setting of this interest rate seems extremely conscientious.

So many people who came to borrow money, after seeing the interest rates announced by Forest Bank, simply gritted their teeth and borrowed the full amount of 200,000. There is absolutely no need for ht Company to invest more and occupy more shares...

"Carter, you probably have a better reputation in Pearson now than Mr. Ray Bolding! If you ask me, our interest rate of 14% is not too much!"

At this time, the time has come to April 15th. When Goodman walked into Carter's office, the corners of his mouth almost burst into laughter...

Obviously, he said he was dissatisfied, and that was just words. He was already satisfied in his heart and could no longer be satisfied!

The demand for loans has stabilized, and interest rates are still not low! In an era like this, what else can we expect from bicycles?

"By the way, Pearson's No. 2 store will open tomorrow. Do you want to go there? Cui Fali just came to me and asked me to invite you to the opening ceremony. Those brothers are now considered to be in business.

Cui Fali looks very excited, he probably wants you to treat you to a big dinner~"

"Forget it, I won't go there. I have been so busy during this period, and I can't relax in my studies! By the way, how do they feel about using the new equipment? Are they still used to it?"

Smiling and shaking his head, Carter didn't plan to make another trip.

Although it seems a bit unkind, Carter believes that Cui Farley can understand him. Who makes this year... no, who makes the admissions of so-called Ivy League schools so screwed up...

In the United States, the nature of the SAT test is similar to that of the Chinese College Entrance Examination, but it is only similar. The full name of this thing is the Academic Ability Test for High School Graduates. This score is very important for entering Ivy League schools! But it does not seem to be that important.

..

Compared with the score-based admission in China's college entrance examination, even if there is any preferential treatment policy, the preferential treatment is reflected in the bonus points. Universities ultimately rely on scores to decide whether to admit a student. This is not the case in American universities. Scores are just

It is an important reference standard for university admissions offices when recruiting students.

In addition to scores, that is, academic performance, they will also consider four major items: self-expression, service and contribution to others, family contribution, and extracurricular activities. Applicants will be evaluated from a total of five directions.

And these four items, in human terms, are...

Self-expression: It depends on your overall personal ability, connections and so on. For example, have you won any heavyweight awards, have you served as class president, student union president, etc., have you received a letter of recommendation from a big shot, etc.

wait.

In the words of the Ivy League admissions office, this letter of recommendation allows the admissions officers to more completely piece together your outstanding qualities such as intellectual curiosity, leadership, and charisma beyond the objective conditions you have applied for. It can also be used through a third party.

A letter of recommendation to verify the authenticity of your self-declared personal resume and your consistent ********* and contribution to others... This is easier to understand, just two words: Donate!

If you donate 10 million to any Ivy League school these days, even if your child is a fool and is born with a mental retard, those high-ranking Ivy League school admissions officers will lower their arrogant heads and say to you affectionately, "Welle!"

"

But obviously, Carter doesn't want to spend so much money for a university. So this one can basically be ignored, and Carter has no chance.

Article 3, family contribution...

If family contribution is replaced by family background, Carter would think this statement is more accurate.

The criterion for this criterion is also very simple: for example, if you want to be admitted to Harvard, then you only need to say to the Harvard admissions officer, "My dad is from Harvard, class XX!", ok, at this point, your application success rate has increased.

20%! Then you said, "My mother is also from Harvard"...

Congratulations, the 40% application success rate has been put into your arms!

However, the problem came again. Neither my parents had any experience in Ivy League schools, let alone Ivy League schools, and had never attended college. This shortcut once again failed Carter...

As for the last extracurricular activity, Carter, to be honest, is a little unsure whether his situation is in line with the tastes of the Ivy League admissions officers. Just as a letter of recommendation will be a bonus, the high-sounding statement is that students can be judged through their extracurricular performance.

What interests and hobbies are used to judge the so-called comprehensive quality of students. Well... comprehensive quality...

But Carter always felt that this was as special as some kindergarten teachers in previous lives who asked children to draw the logo of their own car.

For example, I wrote in my application that I like to play with mud after class. I either play with expensive plasticine or use the mud on the ground to make castles or something, and then join others. "I like to go to the beach to sail a sailboat after school, and spend time with my family on weekends.

I go fishing on a yacht, and I also like diving.”

Even if he is an old fisherman who can catch anything but fish, and you are an outstanding architect who can make flowers out of mud and make extremely exquisite castle sculptures, Carter feels that there is a high probability that the Ivy League school will choose that person.

Fishing old...

So here comes the question. Since he doesn't want to donate, it would be a bit difficult for Carter to write about his extracurricular activities and everything about business.

If you write it, the admissions officer will look at it and say: Wow, you made so much money, and yet you don’t donate even a dime. You are looking down on our university... No, I should say, you and our university’s values.

No, we are not the place for you...

But if you don’t write, what are your extracurricular activities?

Carter rummaged and found that he seemed to have no extracurricular activities that students should have. He had never participated in sports activities; he had never joined a music club;

Saw it...

So if you don’t write about extracurricular activities, or if your writing is mediocre and unremarkable, it will be very difficult for Carter to get into an Ivy League school...

You don’t donate the money! Your parents don’t have an Ivy League school background! You still make a mess of extracurricular activities. Similarly, in terms of self-expression, if you can’t write about what ht company chairman you have served as, etc., then about your position in the school

, activities and competitions, he has also never participated.

Of the five key factors, four of them have turned into disadvantages and unfavorable factors.

Under such circumstances, how could he get into this Ivy League school without trying desperately to raise his SAT score and give those scornful admissions officers the impression that "I am a nerd"?

As for non-Ivy League schools...

I am also a time-traveler, I went to the United States to study in Japan...

That’s too embarrassing!

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Chapter completed!