Chapter 585 Snowball
If we talk about the current capital, Su Jin is a representative of single men whose personal conditions tend to be above average.
So Yin Yue, one of the gold medal sellers of Pierre Catton clothing, is obviously an equally outstanding representative of single women in a similar situation to him.
Beautiful person, soul, temperament, good at dressing up, eloquent, decent job and earning a lot of money.
These are her extremely outstanding personal conditions, and she looks pretty good everywhere.
Even their family situations are similar.
In the past, when Su Shenzhen was seriously ill, she couldn't take care of anything at home.
Su Jin not only had to find a way to treat his father, but also had to take care of his younger sister, study and live.
To Su Xiu, he is like an elder brother and a father.
Yin Yue's parents died, and she and her two little brothers depended on their grandmother.
In addition to relying on the annual pension from their parents' employer, their family's source of livelihood is the meager income they earn from paper boxes.
So Yin Yue is also the eldest sister and mother to her two younger brothers.
When she became an adult, she also had to carry the burden of the family on her shoulders and pull them into adulthood.
Needless to say, she also accomplished the miracle of poverty alleviation in a short period of time on her own, and achieved what others thought was impossible.
In this way, she has become the best candidate for a daughter-in-law in the eyes of relatives, friends, classmates, and neighbors.
Where can I find a daughter-in-law who can take care of the family business?
There is no need to calculate the horoscopes at all, it is absolutely a prosperous life!
So Yin Yue’s troubles arise from this.
When I go to work, I often encounter harassment from foreign guests with ulterior motives.
Well now, she doesn’t have any free time after work.
Almost every day there were people coming to her door, wanting to introduce to her some outstanding young men they thought would be a good match.
Drivers, doctors, police officers, military officers, government officials, and even pilots.
Yin Yue’s grandma was so happy.
The old lady thought that any one of them was good, and urged her granddaughter to quickly choose one and entrust it to her for the rest of her life.
But the problem is, how can Yin Yue be the same as other girls?
Don't forget, she stood out from so many outstanding girls in the "Zhai Palace" and was personally selected by Ning Weimin to join the Jianguo Hotel franchise.
Her monthly income is no less than 2,000 yuan, and she works in a four-star foreign-related hotel every day, surrounded by expensive consumption that ordinary people can't even imagine.
Thousands of yuan worth of jewelry, hundreds of dollars of clothing and cosmetics, a meal worth 180 yuan, and imported fruits worth more than ten yuan a pound.
After watching it for a long time, of course Yin Yue’s vision will be different.
Her heart grew bigger without realizing it, and she became dissatisfied.
Her dream is that one day, she can be like those people who come in and out of here, buy things for free, and live a life of unscrupulous shopping.
So now she has no interest in the ordinary people's concept of a good life.
In her eyes, the only one truly worthy of her marriage was Ning Weimin.
Of course, Yin Yue is very self-aware and knows that Luo Hua is intentional and ruthless.
A good man like Ning Weimin who is outstanding in all aspects, let alone her, there are too many people who care about her.
Considering her personal conditions, let alone her lack of courage and confidence to compete with Huo Xin.
Even her good sisters, she was not sure that they would be able to win in the competition.
This resulted in her having no interest in falling in love and having no interest in getting married.
I feel disgusted when someone introduces someone to her.
My grandma’s urging was also perfunctory, evasive, pretending not to hear, and going against the grain.
On the contrary, I spend every day thinking about how I can live the ideal life.
It should be said that Yin Yue is indeed a talented and smart girl.
With her shrewd mind, she quickly analyzed her own strengths and weaknesses.
I came from a poor background, with no background and no education.
With the current conditions, if you want to continue to make progress through hard work, it will be too difficult for foreign companies or state-owned units.
To put it bluntly, her career prospects are actually very limited.
Even if she can sell goods again, she has mastered foreign languages through hard study and practice.
But without a college degree, it is impossible for you to enter the head office and become a manager.
From the most pragmatic point of view, her career ceiling, that is, the position of store manager has come to an end.
After all, not everyone has the luck and ability like Ning Weimin.
No academic qualifications are required to gain the favor and trust of the master himself.
And her only advantage is that Ning Weimin also gave her a rare opportunity.
By chance, she was at the forefront of the times and became one of the few people in the capital who became rich first.
When most of the people around me are still grinning at how to buy a color TV, they can only tighten their belts and dig money from their lips and teeth.
She has relied on unlimited performance commissions to save 20,000 yuan, which is considered a huge amount of money in ordinary people's eyes.
Although due to limited knowledge, she still lacks a correct understanding of the word "capital".
But having grown up in a poor family environment, she is also particularly sensitive and good at calculating and allocating resources.
She seems to be born with the smell of compound interest.
Understand that you should not let this money sit idle, but rather lend it to others to earn more interest than the bank.
So she mastered the trick of snowballing without any teacher - using money to make money and lending.
You know, the current social situation is very different from the first two years, and the capital no longer lacks self-employed people.
Since last year, more and more people have been forced to go to sea to survive without finding a job.
In this era, the ecological environment in Shanghai is still very beautiful.
The blue water is crystal clear and full of fish, shrimps and crabs.
Except for some natural bad reef waves, there are not many bloody competitions where big fish eat small fish.
As long as they are not afraid of hardship, it is easy for all marine creatures to have enough to eat.
You can make a small fortune even by repairing shoes, repairing cars, matching keys, mending clothes, repairing pens, repairing watches, sharpening scissors and knives, or popping popcorn.
Among Yin Yue's classmates and neighbors, there are many people who have gone into business and have made some achievements in business.
But it is easy to make small money these days, but it is difficult to make big money if you want to grow your business.
The biggest obstacle and the most troublesome problem is actually the lack of funds.
Bank loans will never benefit small self-employed people.
However, self-employed people doing business often encounter situations where sweet deals cannot be realized due to lack of funds.
Perhaps there is a large backlog of goods that were not expected, and there is a lack of money and difficulty in turnover.
Therefore, there are not only many self-employed people who have short-term redemption needs for funds.
And because of the urgent need, almost everyone is willing to pay interest that is unimaginable to ordinary people.
As long as you are willing to lend them money, you can help them get over this hurdle.
It is not uncommon for people to be willing to pay 10%, or even 15% or 20% monthly interest.
To put it bluntly, among the people, money is very expensive.
And Yin Yue's shrewdness is shown in her keen understanding of the capital needs of self-employed individuals and her ability to make the safest choice for lending targets.
She will not lend her hard-earned money to others casually.
In order to reduce risks, she believes in a principle - do it cooked, not raw.
First of all, we only look for people who are in the clothing business to lend money.
Because she sells clothing herself, she knows the huge profits in this industry. She can also easily tell whether the person who comes to borrow money from her has a vision for clothing selection and business talent.
Secondly, the target of lending must also be an acquaintance with decent character and thorough knowledge.
It only requires a fingerprinted IOU, the original business license as collateral and an intermediary as guarantee.
With these, there is not much possibility if the debt is not repaid.
Because after all, she has good credentials and can find the roots of the borrower.
Even if the person who borrowed the money loses it.
As long as you want to save face and keep doing business, it is impossible not to admit your mistakes.
Finally, she will list the creditworthiness of each borrower based on the information she has.
With good credit, good character, and good business, she can borrow more.
The interest will be reduced accordingly, and we will try our best to develop into long-term customers.
If there is a lack of reliability, she will borrow less and the interest rate will be higher.
But no matter what, she will not put all her eggs in one basket.
For a borrower, no matter how much trust she has and how good the relationship is, she can only lend half of her own assets.
As for how to mention this kind of thing to the target? That couldn't be easier.
Nowadays, people with money are the scarce resources, and it is a complete lender's market.
Yin Yue only needs to find these business people and take the initiative to chat a few words, let them know that she has plenty of money, and leave her contact information.
There is no businessman who does not want to use a chicken to lay eggs, let alone lose face.
Once I encounter a need for money, my first reaction will be to contact her and ask for a loan.
In short, as a donor with plenty of money, Yin Yue is in a completely advantageous position and can share the business dividends in the early stage of reform with almost no risk.
It was particularly smooth when she released the first money.
That time, she lent five thousand yuan to a junior high school classmate who sold high heels.
It was said to be one month, but in fact, it was returned within twenty days.
With a 10% profit, she successfully obtained 500 yuan. Her classmates even treated her to a meal as a token of their gratitude.
Nothing else, I just borrowed it for the convenience of returning it, so it’s not difficult to borrow it again.
However, the money has not been sitting in the drawer for three days.
A neighbor who lives across an alley from Yin Yue’s home is going to Flower City to buy goods again.
The owner came over and asked Yin Yue, then took the money and Yin Yue's just-paid month's salary and went on the road.
In fact, everything went smoothly.
But just because the things he brought back were so good for sale, this neighbor made money like crazy and was so happy.
When I was so happy, I forgot about everything and actually forgot about paying back the money after I came back.
It wasn't until Yin Yue found his house that he remembered.
As a result, I was embarrassed and borrowed eight thousand and gave nine thousand directly.
The extra two hundred will be considered as interest for a few days of delay.
The owner even asked Yin Yue to pick out two clothes and take them away as an apology.
In this way, with each loan and withdrawal, Yin Yue's capital almost doubled in one year.
Coupled with her monthly income, on the eve of the Spring Festival in 1984, she had become a wealthy woman with 50,000 yuan in hand.
Although she can't gain as much as those real businessmen.
But after all, it is equivalent to an extra month's salary for her every month.
It is much better than the 5.76% annual dead interest rate of placing it in the bank.
So it can be said that she saw a road to wealth that was very likely to realize her dream.
She firmly believes that as long as she keeps doing it steadily, she will continue to make money steadily by relying on her wisdom and faith.
She will be able to break through the shackles above her head and have a new world.
Maybe if she saves enough money, she can go abroad.
Just like those female stars, Chen Chong and Gong Xue, went to study in Western developed countries.
Then when she comes back, she will be no worse than anyone else...
So this Spring Festival, Yin Yue's family is far richer than last year.
This time she bought enough chicken, duck, fish and meat to last for two Spring Festivals, as well as various snacks and candies, hoping that her brothers would eat enough.
In addition to buying new clothes for the whole family, for the sake of her grandma's health, she also spent money to order milk for a year at a milk station, and bought her an electric blanket as a gift.
On New Year's Eve, Yin Yue returned home after get off work, holding an electric blanket and two red envelopes wrapped for her younger brother.
She walked into the house excitedly, wanting to tease them with her red envelope.
Unexpectedly, the two younger brothers came out screaming and then reported to her in a low voice with winking eyes.
"My cousin is here, hee hee, and she has brought a boy. I heard he feeds tigers in the zoo, and grandma has been looking after you for a long time."
"Sister, this is what I want to introduce to you again. Otherwise, if you agree, we can go to the zoo and play casually in the future."
Yin Yue was annoyed after hearing this, and her mood immediately changed. alright.
I didn’t give him the money, but I plucked the ear of my younger brother who had said something cheap, and made him grin and beg for mercy.
Then I took the electric blanket and walked into grandma's house to say hello.
When I entered the door, I still saw an older man wearing a Chinese tunic suit, a straight face, an old-fashioned face, but at a loss.
They looked to be in their early thirties.
Although he was carefully dressed, the only thing that stood out was the watch on his wrist.
She completely lost her appetite. After calling "Grandma" affectionately, she showed the electric blanket to Grandma.
After exchanging perfunctory greetings with my cousin, I left the house and rushed to the kitchen to prepare for the New Year’s Eve dinner.
Unexpectedly, this troublemaking cousin turned a blind eye to her demonstrative expression and warning eyes.
He actually stopped her on purpose and asked her intentionally.
"Eldest niece, we haven't seen each other for a month. Have you found a partner?"
Yin Yue laughed angrily and said in a strange way.
"I want to find one, but I am determined. How many people have counted on me to kill without official, Yi Kefu. Who dares to marry me? If not for my conditions, I would have married long ago. , How could you wait until now? You asked knowingly."
This statement shocked the man, and he said "ah".
My cousin didn't expect Yin Yue to say such a sentence. Doesn't this mean that she was pretending to be herself?
Then his eyes widened and he yelled with the same urgency.
"You girl, you don't have a serious mouth, why are you arranging yourself in such a random way? Bah, bah."
Yin Yue is really smart, seeing such a reaction, at this time, he was actually very serious. Things start to come together.
“Hey, cousin, it wasn’t the people you brought to settle the account for me, why didn’t you admit it? I didn’t believe it at the time, saying that you had made this a feudal superstition. You also criticized I paused and said that numerology and feng shui are also science.”
"Now it's proven that you were right. Let alone Croft, which of the men I dated is missing? The first guy you introduced to me, Xiao Li, was in a car accident. The guy I met the year before last year was Xiao Li. Zhang was electrocuted by high-voltage wires. Xiao Zhao, who you introduced to me last year, was pretty good. Although he was bitten by a wild dog when I was climbing Xiangshan Mountain, he fell down halfway and broke a leg. Saved a life."
"Hey, I really regret it. I wish I could have asked someone to crack it earlier, so I wouldn't be so anxious now. Is this the qigong master you mentioned? Let's hurry up and prepare whatever you need. Oh, don't worry about money. As long as you tell me the number, I won't worry about it. The happiness of my life, isn’t it?”
As expected, the man who was not even afraid of tigers was now afraid.
Without any delay, he stood up and left, saying that he was not a qigong master, and left immediately.
Although my cousin immediately chased her out and tried her best to explain, saying that Yin Yue was talking nonsense and there was no such thing as those eight things.
But the message left by the man was, "Since the woman has said so and is currently looking for a way to crack it, let's put this matter on hold until it is cracked. It's not too late to talk about it later. What you said is true, as is numerology and feng shui. Science."
Of course, everyone understands the meaning of "put it aside", and anyone who still expects to pick it up again is a fool.
(End of this chapter)