Confessions of a Salesman

Chapter 320
Brother Liu lit a cigarette and shouted outside: "Then someone bring Han Feifei's arrears slip over here to have a look."

A young man brought a receipt, and Brother Liu took a copy and threw it to me. I looked at it and saw that the amount owed was 20 yuan, and the annual interest rate was 48% in a row of small words on the bottom, and then a striking red letter wrote 40 above.

I asked: "Brother Liu, what you mean is that my sister owes you 40 now, and it's fine if you pay it off, right?"

Brother Liu touched his bald head, looked at me, and asked suspiciously: "Are you going to pay it off for her?"

I smiled and said, "Can you still pay in installments?"

Brother Liu said with a smile: "Of course it's fine, just pay it back once a week. It's a good four quarters, not much."

Brother Zeng did the math and said: "According to your quarterly interest rate, the monthly interest rate is 4.8%, and the loan is calculated for 6 months. The interest is 20*0.048*6=5.76, right? Did I make a mistake, ah Brother Liu?"

Brother Liu was a little surprised, looked at Brother Zeng and said, "It's a bit tricky, that's how it works."

Brother Zeng took Feifei's debt slip and asked, "Then I don't understand. How did you get 40? Besides, my sister paid you back more than 5. Isn't that right?"

Brother Liu slapped his head and shouted outside: "Hey, come in, someone wants to settle accounts with us!"

As soon as the words fell, a group of people rushed in, staring at Brother Zeng and me.

Brother Zeng sat on the chair without looking at them, and said to Brother Liu: "It's unreasonable, isn't it? If you can't kill us two today, we go out, do you think you can have a good life? What's the matter?" It’s time, and your set of things is outdated, brother, you can make enough money. It’s easy to lose your head if you make money like this!”

Brother Liu rubbed his head, grinned and said, "Oh, I've encountered a hard stubble today, let's all get out, get out." After speaking, he waved his hand and told everyone to get out.

Then he said calmly: "Brothers, it's only natural to pay off debts, isn't it? In this way, I think the two brothers are also people on the road. I will give you a discount, 30 yuan, a one-off price, and give it to us. Two clears."

I nodded to Brother Zeng, but Brother Zeng said blankly: "30, how dare you ask for it! Do you know how much it costs for one hand now? It's only 10, and you can get an extra one if you add [-]." Brother, how long have you been in this business, let me teach you. As the old saying goes, our business is to borrow strength, and it is also to help some people in need to relieve their urgent needs, so it is called borrowing power, because there is interest. So later it evolved into borrowing interest, and then it became interest lending, and now it has become a usury that everyone talks about, big ears.

There is nothing wrong with borrowing money and collecting rent. It is already too much to return nine times out of thirteen. Are you more ruthless than thirteen returns?Did you know that if the interest rate exceeds 4%, it is illegal to borrow money?You don't have to pay back the money, so you are not protected by the law? "

Brother Liu said with a smile: "What legal protection do I need? Those who need legal protection are those who owe me money!"

Brother Zeng snorted and said, "Ignorant, I'll empty out your company in a matter of minutes. I'll find a few fake IDs pretending to be students to borrow money from you. I don't want to borrow much from you. I'll lend you [-], [-]." Yes, run away after borrowing. You can’t find anyone. If you ask me for money, we will start a fight. Who do you think the police will help? What can you do with me?"

Brother Liu took a deep breath and said, "Who are you scaring? Start the fight as soon as it starts. If you say it's up to you, I think you two don't want to go out, do you?"

Brother Zeng said calmly: "Brother, when my brother was in the society, you still wore crotch pants, right? Don't say whether your group of people can keep the two of us, what can you do if you stay? Are there any murderers? If you can’t kill me, you can run away? My driver is waiting outside, and if I don’t come out for half an hour, I will bring someone to search the house and call the police. Think about it yourself.”

Brother Liu was really taken aback and hesitated.

Brother Zeng said again: "Brother, let me teach you how to make money. You lend money at a three-point interest rate. Don't let large sums go, put decimals, don't let go of money for urgent needs, don't let go of eating, drinking, and entertainment. It depends on the person. Do you think that those who have borrowed money from you will be able to pay it back? You go to collect the money, and they will die. You can scare them with a knife? In the end, you still have nothing. This college student Those who love vanity and self-employment should borrow some money and charge some interest, but don't be too ruthless, forcing people to nowhere. What's your point? You come out to seek money, your brother They don’t have to support their families, they fight and kill every day, and they don’t need money to go to the hospital? You can still buy medical insurance for each of them? In this day and age, if you go out to mess around, you have to use your brains!”

Brother Liu, who was talking about it, was stunned for a while. He didn't know what to say, and he lost all the energy to play hard, and asked humbly: "Brother, tell me, if you don't get back the money, I'll take a naked picture of you." According to what, it’s not too much to threaten their family, they don’t have money, but their family has it, it’s always okay to buy them a lesson, right?”

Brother Zeng scolded: "It's okay, you are also breaking the law. It is a crime of forcing women to be indecent, and the maximum sentence is more than eight years in prison. Threats are over. This may be a crime of intimidation. Doesn't the country have legal provisions for private lending? , you just have to strictly abide by it.”

Brother Liu reluctantly said: "Brother, how can I make money? My money is not blown by a strong wind. If I borrow it like this, there is still a risk? If I don't pay back one or two, I won't be able to drink the northwest wind." what?"

Brother Zeng said with a smile: "It's all about small loans, don't borrow too much, the interest rate is low, and there will be more people borrowing, and the accumulation of less will make more. If you borrow hundreds of thousands foolishly, then you can't even borrow money. Northwest wind can’t even drink. Be nicer when borrowing money from others, and even better when asking people to pay back the money. Then it’s not difficult to borrow and pay back. Dozens of people are not a problem."

Brother Liu kept nodding and said, "It makes sense, it makes sense, I learned it, where did the elder brother hang out before?"

Brother Zeng said with a smile: "Chishan stayed for a few years, and Xiaolan stayed for a few years. Now he is old and a good citizen who abides by the law. How about it? How much do we have to pay?"

Brother Liu smiled and said, "Brother, I'm fine if I don't make money, but don't let me lose money, right? In this way, you can pay back 15 directly, and we will settle the matter."

I think Brother Zeng still wants to say, I immediately took out a card and said, that's it, I'll go get the money now, and wait for me.

After finishing speaking, I rushed out to get the money.

Afraid that things might change later, I ran back, Brother Zeng and Brother Liu were smiling and drinking tea, Brother Zeng was talking about something, Brother Liu kept nodding, I wiped my sweat, put 15 on the table, and said: "Brother Liu, hurry up."

Brother Liu waved his hand and said, "No, no, I can't believe it." After finishing speaking, he took the IOU signed by Feifei and handed it to me.

I hurriedly put it away, and when Brother Zeng walked out the door, Brother Liu held Brother Zeng's hand and said, "Brother, come and sit down when you have time." Brother Zeng nodded.

When I got in the car, I said to Brother Zeng, "It's really a great loss to the society not to let you become a law-awareness worker. He was fooled by this, and he was almost sent to the mountain to become a monk."

Brother Zeng laughed and said, "I didn't fool him, what I said was the truth, and everything was based on law."

I curiously asked Brother Zeng: "According to what you said, if he does what you said, can he really maintain the expenses of dozens of people?"

Brother Zeng said disdainfully: "He definitely won't be able to earn money, but his life is saved. With his IQ, he still wants to make money. However, he can be saved from prison, which can be regarded as helping him."

After returning home, I gave Feifei another lesson, and then asked her: "Do you still want to open a milk tea shop?"

Feifei hurriedly shook her head and said, "Don't dare, never again!"

I sighed and said, "I'm not promising. How can you succeed in business once you do it? If you fail, try again and learn from the previous lessons. Let me ask you, have you summed up why you failed?"

Feifei thought for a while and said, "Well, the business was good at the beginning because it was sold cheaply. Later, when there were more people, we increased the price and sold it. As a result, the business became worse and worse, and eventually there were no one left."

I explained: "You have to have a reason to increase the price, right? The most annoying thing for consumers is the price increase for no reason. If you want to increase the price, you can just make up a reason, or you can increase the size of the cup and sell it. It’s more expensive, and the smaller cups are cheaper, so it’s a balance.”

Feifei clapped her hands and said, "Why did I forget, bro, you are an expert in sales, if only I asked you to help me take a look at it, it would be great."

I snorted and said, "You were in the sweetness of love at that time, how could you care about me?"

Feifei smiled and said, "Brother, are you jealous?"

I smiled and said: "My cabbage, I definitely don't want pigs to arch it. I'll make a copy, and you open another one. The store doesn't need to be big, and it's better not to let people come in and sit. It's the kind that can be taken and left. The packaging is stylish. A little bit, the name should be more foreign, hire two beauties, wear uniforms, don’t speak in a Northeast style, and ask for a Taiwanese accent, as soon as the customer comes, just ask, hello, what can I do for you. Don’t just see the customer , Just say, brother, what do you want?"

Feifei nodded and said, "Okay, bro, then I'll try again, and I'll pay you back if I make money."

In this way, Feifei started her milk tea shop again. I gave her an investment of 20 yuan, and she returned me 50 yuan after using it for a year. Before she graduated from university, she became a millionaire. Someone will definitely Say, it’s as easy as you said, let me tell you, in fact, there are some things that are so easy, many people are poor people’s way of thinking, when they talk about what to do, they first think of the difficulties, and they retreat after thinking about it. Once you start doing it, you have already given up. You always think, but what you think may not be the truth. If you haven’t tried it, you will never know the answer.

Sure enough, something happened to Liu Ziran. Thinking of the few days when I left BJ, I thought there was something wrong with Liu Ziran, but he refused to tell me, so it was hard for me to ask.

(End of this chapter)