Chapter 646 Addiction
Society is complex, and people’s hearts are even more diverse, which is why there is this wonderful world.
Just like the four words "a fortune with a fortune".
For Ning Weimin, who opened Tan Gong Restaurant in Beijing, and Wang Dadong, who opened Orchid Flower Fast Food Restaurant in Tianjin, they have two completely different interpretations, with completely different applications.
Most people in this world have their own opinions on the definitions of "success" and "happiness", as well as the methods to pursue their realization.
This leads to different people’s attitudes towards life and different responses to difficulties.
We must admit that not everyone can have such awareness and conditions like Ning Weimin, who can take the initiative to slow down the pace of his life and spend more time with those around him. Getting along with relatives.
Most people are actually addicted to their own limitations and cannot realize themselves, let alone extricate themselves.
Perhaps the harder you try to chase the goals you set, the further away you will be from the results you want.
There is no way, this is the suffering of the mortal world, no one can get rid of it.
This thing is like the air we can't live without every day, and the shadow attached behind the human body.
It is a part of human life...
Yin Yue is very busy these days.
She did catch up with a good time. This year, the whole country was turbulent and enthusiastic.
Due to the frequent introduction of favorable policies since the reform and opening up, the market has prospered rapidly and the number of self-employed individuals has also expanded rapidly.
By this year, the private economy had reached a certain level of discipline and had a wealth demonstration effect, leading to the first wave of overseas business after the founding of the Republic.
In the north, there is this jingle - "One billion people, 900 million have fallen, and there are still 100 million who are looking for it."
In the south, the top levels of the country decided to further open up coastal cities.
On May 4, the country announced that fourteen more coastal port cities starting from Bincheng in the north and ending at Beihai in the south would be open to the outside world.
It is conceivable how much this will stimulate economic prosperity.
Even people who have always looked down on the self-employed and those who hold an iron rice bowl are inevitably affected by the economic prosperity.
As prices rise day by day and there are more and more dazzling good things, people’s ideas and concepts begin to change subtly.
Few people can still maintain the same aloofness and admiration for knowledge as in the past. They think that all things are inferior, but reading is the only one who is superior.
According to a survey by Youth Daily, among the most popular professions currently, taxi driver is the first, and scientists are at the bottom.
In this situation, there are so many people who need money to do business, it’s like crucian carp crossing the river.
The people's thirst for funds is like a bottomless black hole, no amount of money is enough.
However, the current banking system makes the threshold for lending extremely high for self-employed individuals, and time is exactly the life of any business operation.
So for the sake of profit, self-employed people can only find other ways.
This effect is magnified to Yin Yue, which means getting real money.
Don’t forget that the Spring Festival has only been less than three months, and only half of the funds in hand are used to lend money.
But just like that, she actually made a lot of money.
The principal amount of the loan actually increased by 60%, and I earned 15,000, which almost caught up with last year's full loan profit.
In addition, it must be said that among all industries currently, the best performer is precisely the clothing industry.
That is total prosperity from the bottom up.
Whether it is jeans, Hong Kong shirts, and pastel green on self-employed tricycles, or foreign brand clothing flowing into the mainland through various "mysterious channels".
Whether it is mid- to high-end ready-made clothes in state-owned stores or department stores, or famous state-owned tailoring stores like Hongdu, Zaocun, or Raymond, or time-honored brands like Ruifuxiang that specialize in fabrics.
As long as it has anything to do with clothing, the sales have increased dramatically and there is no need to worry about selling.
So much so that many shops that were originally engaged in other industries became jealous and switched to clothing one after another.
Take Longfu Temple Street as an example. At the north entrance of the Yandian compound, there is a store that has been selling candies and children's toys since liberation. After the reform, it was originally engaged in catering, and it was changed to clothing during this period. shop.
Afterwards, seeing the prosperous business of the shop converted into a clothing store, watch shops, gold pen shops and repair shops with decades of business history on this street also followed suit and specialized in clothing.
This is the current market situation.
There is no doubt that the clothing industry has entered a real golden age.
As the first to enter the Republic and the only international brand in the country, Pierre Carton Clothing is also the foreign-funded company that has benefited the most.
Although people with corresponding spending power in China are only a minority group, due to the daily advertising behind "Xinwen Lianbo", this group can be enlarged to the whole country, which is really a lot.
In fact, even if the price has been adjusted twice and has risen to an average price of one thousand yuan, it still cannot stop people's pursuit and favor of Pierre Cardin.
People from all over the country who come to Beijing, as long as they have a certain financial strength, must find a specialty store and buy a pair of Pierre-Carton clothing, otherwise it will be as if they have not come to the capital.
So today's supply of Pierre-Carton has exceeded demand, and sales staff's commissions have generally increased.
Yin Yue, who was originally a gold medal salesperson, was able to earn twice as much as when she first opened the store without any effort at all.
In this way, if wages and sales commissions are included, her current wealth is approaching the 80,000 mark.
She can be described as a real little rich woman.
This also made her feel the charm of money games more deeply, and she became addicted to it.
In order to speed up making money, she decided to expand the loan limit accordingly and planned to lend out all the funds in her hand
Because in her opinion, although it is inevitable that the funds will be difficult to recover in time, difficulty.
But the repayments are almost always deferred, and the interest is actually earned a lot more.
To sum up, one reason is that her goal of lending money is to carefully select acquaintances.
The second reason is that it is so easy to make money in the clothing business now. No matter what is done, almost no one will lose.
Third, the monthly interest rate on loans is now as high as 20%. When writing a voucher, it is also the total of principal and interest.
The money she loaned out became a dead loan, and the probability of it being difficult to recover is extremely small, and the overall risk is controllable
Even if she loses her hand, she can quickly earn it back through the flow of money. , will not hurt your muscles or bones.
Just like on May 12th, there was a man who borrowed 5,000 yuan from her after being introduced by others. After delaying her for half a month, she finally got a message asking her to get the money.
The location of the address left behind is very remote, it is actually in Haihutun outside Muxiyuan.
As a young girl, she was inevitably frightened, so she asked two young men in the alley to escort her.
They pedaled together and arrived outside Yongding Gate, not to mention the desolate scene.
The dilapidated bungalows accompanying the cultivated fields are like piles of old and scattered building blocks.
The air was dirty, smelled of shit, and there seemed to be dust particles floating everywhere.
Finally, he found the yard of the owner who owed money, and after knocking on the door for a long time, he opened the door mysteriously.
When I walked in and took another look, the yard was filled with clothes in large nylon bags. The other party didn't mention repaying the money, but opened several bags specifically for them, which were like treasure bags.
Pajamas, jackets, briefs, scarves, vests, overalls, football socks, women's canvas satchels, and a black tuxedo, everything is included.
These gadgets are novel in style, but few of them are new. They all exude the smell of damp dust and sanitary pellets, making the yard smelly.
After the boy who owed money explained, Yin Yue realized that these clothes were imported second-hand goods.
It may not be called second-hand goods, it is probably rags collected from the garbage dump, packed and smuggled in without enough time to sort them.
"How about it? You have many friends in the clothing business. Help me introduce them. As long as I sell, I won't lose you."
"Ah? You come to me and co-author Just to let me help you introduce business!"
Yin Yue was stunned for a moment and said dissatisfied.
The other party slapped his head, "Look at my memory, of course it's to pay you back."
After saying that, he went into the room and took out a bag wrapped in a plastic bag and handed it to Yin Yue.
"This is six thousand and five thousand. I'll lend you one and a half months, and I'll give you an extra half month's interest. Is this the right amount?"
The bags were all filled with stinky clothes and shoes. It smells bad, but the money inside is pretty good.
Seeing Yin Yue’s face softening as she counted the money, the master started to lobby again.
"However, asking for your help is also one of my purposes. To be honest, if I can't trust you, I won't look for you. I know how to judge people. You are a cool person and you are a good friend. The key is to have a wide network and have friends all over the world. "
"My small wholesale business is really profitable. I only need one hundred for a pack like this, and any extra money will be yours. Yes, you’ve got it all covered. Who in the clothing business doesn’t care about you?”
“Really, if you can help, my business will not be a problem.” It's sold. You won't have any trouble with this. You've seen the stuff here, it's all very fashionable, and it's 100% imported. Whoever buys it will make a profit of five to six hundred. It's easy to make money. It's good for all of us..."
But Yin Yue didn't pay much attention to these touching words.
After she counted the money, she only tore up the IOU as the other party and completed the financial handover.
Then she took the money away, went out with the two "bodyguards" behind her, and got on the bicycle again.
"I'll try my best to introduce you to this opportunity. Okay, bye..."
After saying that, I ignored the other person, got on my bicycle and walked away.
During the whole process, there was no smile on Yin Yue's face, and her perfunctory attitude was too obvious.
It made the other party look stiff and quite embarrassed.
The master muttered something unknown and stood there stupidly.
Actually, this matter is easy to explain, because Yin Yue is not guilty of it at all.
Although she also knew that this guy had some "magic powers", the goods he got would definitely be easy to sell.
But firstly, I feel that these things are immoral, and secondly, I feel that there is a risk of breaking the law.
Profits may not come as quickly as her lending, so why bother?
And on the contrary, it was precisely because these things were lucrative and risky that she couldn't introduce them to her relationships.
You must know that she is different from others in lending money. It is not easy to accumulate such a stable customer base that knows the ins and outs and can trust each other.
If his client was really caught and fined for selling these things, wouldn’t all the money she lent have been wasted?
On the other hand, if nothing happened, her clients would be making a lot of money, and they would not have to borrow money from her in the future.
She was simply sick, so she fed herself dichlorvos for a small profit.
She even decided that from now on, she would be completely separated from this boy and his introducer.
There will never be any financial transactions or loans involved.
But then again, Yin Yue's mentality exactly reflects the shortcomings of her loan business.
There are very few customers who meet her requirements and can rest assured.
The fear of risk makes her, who pursues stability, very different from other people who are engaged in lending, and directly limits the speed and scale of business development.
Others don't have enough money to borrow, so they try to find funds in various ways.
Even if you don't hesitate to "buy money" from others and lend it out at a higher interest rate, you have to let the money rotate and make money for yourself.
She is not, part of her funds are always idle.
The speed of finding customers could not keep up with the speed of her asset increase.
No way, there seems to always be a conflict between wanting to be safe and wanting to make money quickly, which is difficult to reconcile.
But it was such a coincidence that at noon on the same day, Yin Yue unexpectedly met an acquaintance from the past.
But it seems possible to help her solve the problem of idle funds and create another use for funds.
At that time, Yin Yue had just finished depositing money and was leaving with a deposit certificate worth 6,500 yuan from the counter.
As soon as I turned around, I was about to walk towards the door.
A woman standing in the queue behind her, just across from her, grabbed her arm.
"Hey, is it Yin Yue? It's really you..."
Although this woman's hair is permed and curled, she looks like a poodle.
But Yin Yue immediately remembered that this person was her middle school classmate Lin Xiaofen, nicknamed "Little Coal Heker".
At that time, Lin Xiaofen's family was very poor, mainly because there were many children in the family.
Her living standard is not even as good as that of Yin Yue who has lost her parents.
Because after all, the two pensions given by the two factories only cover the daily expenses of the three Yin Yue siblings and grandma.
Unlike Luo Xiaofen’s family, her parents earn money to support six or seven children and take care of two elderly people.
So Luo Xiaofen often picks up coal cores and rotten paper after school.
When she first entered middle school, Yin Yue saw Lin Xiaofen pushing a flatbed cart with bearings as wheels and a basket of rotten paper on it, wandering around the school.
This girl always looks at the big-character posters that others have just put up. As long as no one is paying attention, she will hurriedly tear off the big-character posters and sell them as scrap paper. Sometimes she will steal a few pieces of posters from people on the street and put them at the door. of briquettes.
Many high-status people were unlucky back then, but for people like Lin Xiaofen, it might still be good news.
Few people would have thought that those big-character posters filled with nonsense could actually support a lot of people.
At least Lin Xiaofen can improve her poor life to some extent by picking up scraps of paper after school.
But today, the poor girl from the past is obviously different.
In addition to perming her hair, carrying a leather bag, and wearing high-heeled sandals, she also painted her eyebrows and wore the color red, which has just become a fashion label due to the recently released movie "Red Dress on the Street" Long skirt.
Compared with Yin Yue, her dress is a bit vulgar, but based on the price of this outfit, it's really hard to tell the difference between the two.
(End of this chapter)