When they are ready to buy a new house, they sell their old house. A speculator might buy and sell twenty houses a year. That makes them equivalent to four hundred regular buyers. Even though they may constitute a small percentage of the buyers, they are effectively as much as a quarter of the actual market. That has a big effect when the goal is making money rather than buying a nice home." I didn't think about it that way," Lucy said."They will also account for a major portion of the bad debt because it really isn't backed up by much beyond the properties they owe mortgages on," William said."Depending on the size of the debts, that could really put a squeeze on the banks," Lucy said.Nodding his head in agreement, William said, "We are going to see a collapse of the credit companies when people can't pay their debts. Right about here, one of the major credit card companies is going to fold. Stocks will plummet, real estate prices will fall, and a lot of small businesses will fail.. If you agree, I will help you.' She thought, all I want is good grades and so she agreed. Mr Drake told her, 'I will make sure that you are the topper in this semester only if you agree to what I say'. She agreed. 'I will be giving you the question paper and answers to it too. But you have to do every single thing I say'. She agreed with happiness. She thought it was the best decision to come to him for help. He also made her sign a blank paper for his safety.After that he asked her to stand up and he slapped her hard. Rachel didn't realise what just happened. He slapped her again and said, 'you shall be my slut for a week, or else I will fail you on purpose.' Rachel started crying but she wanted to pass and didn't know how brutal this man could be. She said yes weeping. He tore her dress and was happy to see no bra inside. 'Bitch seems you don't wear a bra to the school too. I like your perky little tits. Are you a virgin?' Rachel was feeling cheap standing in front of a man older.
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