National Tide 1980.

Chapter 585 Snowballing

If we say that in the current capital, Su Jin is the representative of single men whose personal conditions tend to be above average.

Then Yin Yue, who is one of the gold medal sellers of Pierre Carton clothing, is obviously in a similar situation to him, and is also an excellent single female representative.

Beautiful, spiritual, temperamental, well-groomed, eloquent, decent work and earn a lot of money.

These are all her personal conditions that are extremely outstanding, and she looks pretty good everywhere.

Even the family situation of the two is similar.

In the past, when Su Shenzhen was suffering from a serious illness, she couldn't control anything at home.

Su Jin had to find ways to treat his father, but also had to take care of his younger sister, study and life.

To Suxiu, he is like a father.

Yin Yue's parents died, and she and her two little brothers lived with her grandma.

In addition to relying on the pension provided by the parents' unit every year, the source of livelihood is the meager income that the family earns by pasting cardboard boxes.

So Yin Yue treats her two younger brothers like an elder sister like a mother.

When she becomes an adult, she also has to carry the burden of the family on her shoulders and pull them into adults.

Needless to say, she also relied on her own strength to complete the miracle of poverty alleviation in a short period of time, which was impossible in the eyes of others.

In this way, she became 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 manage the family business like this?
There is no need to count the horoscope at all, it is absolutely Wangfu's life!

So Yin Yue's worries arose from this.

When I go to work, I often encounter some foreign guests who have ulterior motives to pester and harass me.

This is good, she doesn't have time to relax after work.

There were always people coming to the door almost every two days, trying to introduce her to some outstanding young men who they thought were a good match.

Drivers, doctors, policemen, military officers, government officials, and even pilots.

Make Yin Yue's grandma so happy.

The old lady looked at which one was good, and urged her granddaughter to choose one of them quickly and entrust her to her for life.

But the problem is how can Yin Yue be the same as ordinary girls?

Don't forget, she stood out from so many excellent girls in the "Zhai Palace", and was personally selected by Ning Weimin to join the Jianguo Hotel franchise store.

With a monthly income of no less than 2000 yuan, she works in a four-star foreign-related hotel every day, surrounded by expensive consumption that ordinary people can't imagine.

Thousands of jewelry, hundreds of clothing and cosmetics, a meal of 80 yuan per meal, and imported fruits worth more than ten yuan per catty.

After watching for a long time, of course Yin Yue's vision is different.

Her heart grew bigger without knowing it, and she was not satisfied.

Her dream is that one day, she can live a life of unscrupulous shopping like those people who come in and out here and buy things for free.

So now she is not interested in the good life in ordinary people's concept at all.

In her eyes, Ning Weimin is the only one worthy of her marriage.

Of course, Yin Yue is very self-aware, knowing that Luo Hua intends to be ruthless.

A good man like Ning Weimin who is so outstanding in all aspects, let alone her, there are too many people who miss her.

Starting from personal conditions, let alone she lacks the courage and confidence to compete with Huo Xin.

Even her good sisters, she is not sure that she will win in the competition.

This caused her to be uninterested in dating and not at all interested in getting married.

She is disgusted when she hears someone introduce someone to her.

For grandma's urging, she was also perfunctory, hiding, pretending not to hear, obediently obedient and obedient.

On the contrary, I spend every day racking my brains to figure out how to enable myself to live an ideal life.

It should be said that Yin Yue is indeed a talented and intelligent girl.

With a shrewd mind, she quickly analyzed her strengths and weaknesses.

I was born in poverty, no background, no education.

With the current conditions, if you want to continue to make progress through hard work, it is too difficult whether you are in a foreign company or a state-owned unit.

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 work.

But without a college degree, it is useless, and it is impossible to enter the head office and become a manager.

From the most practical 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 of Ning Weimin.

You don't need a degree to win 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 got 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 pick money from their lips.

She has already saved 2 yuan, which can be called a huge sum of money in the eyes of ordinary people, relying on the uncapped performance commission.

Although due to limited knowledge, she still lacks a correct understanding of the word "capital".

But growing up in a poor family environment, she is also particularly sensitive to the calculation and allocation of resources, and is especially good at it.

She seems to have a natural smell for compound interest.

Knowing that the money should not be left idle, but should be lent to others to seek more interest than the bank.

So she mastered the trick of snowballing without a teacher-using money to make money and lending.

You must know that the social situation is quite different now compared to the first two years, and there is no longer a shortage of self-employed people in the capital.

Since last year, more and more people have been forced to go to sea to survive because they cannot find a job.

In this era, the ecological environment in Shang Haili is still very beautiful.

The blue water is crystal clear, full of fish, shrimp and crabs.

Apart from some natural reef breaks, there isn't much competition between the big fish and the little fish.

As long as they are not afraid of suffering, it is easy for all marine creatures to have enough food.

Even if you repair shoes, repair cars, distribute keys, mend clothes, repair pens, repair watches, sharpen scissors and knives, and pop popcorn, you can make a small fortune.

Among Yin Yue's classmates and neighbors, there is no shortage of people who have gone into business and have made some money in business.

But it is easy to make small money these days, but it is difficult to make big money if you want to expand your business.

The biggest obstacle, the most troubled problem, is actually the lack of funds.

Bank loans will never benefit small self-employed people.

However, self-employed people who do business often encounter situations where sweet business can be seen but not eaten due to lack of funds.

Or a large number of unspecified goods are backlogged in the hands, and it is difficult to turn around due to lack of money.

Therefore, there are not only many self-employed individuals who have short-term demand for funds.

And because of the imminent need, almost all are willing to pay unimaginable interest for 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 who are willing to pay ten percent, or even 15.00 percent, twenty monthly interest.

To put it bluntly, among the people, money is very expensive.

And Yin Yue's shrewdness is reflected in her keen identification of self-employed people's needs for funds, and her ability to make the safest choice for lending targets.

She would not lend her hard-earned money to others casually.

In order to reduce the risk, she believes in a principle - doing what is done is not done.

First of all, lending only looks for people in the clothing business.

Because she sells clothes herself, she knows best about the huge profits in this business.

For people who ask her to borrow money, she can easily tell whether the other party has a vision for choosing clothes and a talent for business.

Secondly, the target of lending must also be an acquaintance who has a decent character and knows the basics.

And there is an IOU with fingerprints, the original business license as a mortgage and a middleman as a guarantee.

With these, there is not much possibility of not repaying the debt.

Because after all, she has evidence and can find the root of the borrower.

Even if the borrower loses.

As long as you want to save face and want to continue the business, it is impossible not to admit it.

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 also decrease accordingly, and try to develop long-term customers as much as possible.

If she lacks reliability, she will borrow less, and the interest will be higher.

But no matter what, she doesn't put all her eggs in one basket.

For a borrower, no matter how trustworthy she is, no matter how good the relationship is, she will end up lending at most half of her assets.

As for how to mention this kind of thing to the target?It couldn't be easier.

Now, those who have money in their hands are scarce resources, and it is a complete lender's market.

It is enough for Yin Yue to find these business people and take the initiative to chat with them, let them know that they have a lot of money, and leave a contact information.

As for any businessman, there is no one who doesn't want to borrow chickens to lay eggs, let alone say that he can't save face.

Once encountering a need for money, the first reaction would be to contact her and ask for a loan.

In short, as a financial backer with spare money, Yin Yue is completely in a favorable position, sharing the commercial dividends in the early stage of reform almost without risk.

It was very smooth for her to release the first sum of money.

That time, she lent 5000 yuan to a junior high school classmate who sold high heels.

It is said to be one month, but in fact, it will be paid back in twenty days.

With a 500% profit, [-] yuan was successfully obtained, and the classmate invited her to make a meal to express his gratitude.

Nothing else, just to borrow and pay back, it’s not difficult to borrow again.

Yet the money hadn't sat in the drawer for three days.

Yin Yue's family is separated by a big brother in the alley, and he is going to Huacheng to buy goods again.

The master came over to ask Yin Yue, and then took the money and Yin Yue's one-month salary and set off on the road.

Actually everything went well.

But just because the things he brought back were so easy to sell, the neighbor was crazy about earning money, and he was so happy.

When I was happy, I got carried away, and actually forgot about paying back the money when I came back.

She didn't remember until Yin Yue found his house.

In the end, I was embarrassed, borrowed eight thousand, and gave nine thousand directly.

I gave two hundred more to calculate the interest for a few days of delay, not to mention.

The master even asked Yin Yue to pick out two pieces of clothes and take them away as an expression of apology.

In this way, Yin Yue's capital almost doubled within a year, after a sum of money was lent out and a sum of money was withdrawn.

Coupled with the income she still received every month, on the eve of the Spring Festival in 1984, she had become a little rich woman with [-] yuan in her hand.

Although she is not as profitable as those real businessmen.

But after all, it's equivalent to an extra month's salary for her every month.

It is much better than the 5.00% point seventy-six dead interest placed in the bank that year.

So it's safe to say that she saw a path to riches that might very well make her dreams come true.

She firmly believes that as long as she continues to do so steadily, she will continue to earn money with 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 too.

Just like those female stars, Chen Chong and Gong Xue went to study abroad 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 lived far more prosperously than last year.

This time she bought enough chicken, duck and fish meat for two Spring Festivals, as well as various snacks and candies, to make her brothers eat their fill.

In addition to buying new clothes for the whole family, for the sake of grandma's health, she also bought milk at the milk station for a year, and bought an electric blanket for grandma as a gift.

On New Year's Eve, Yin Yue returned home after get off work, holding an electric blanket and carrying two red envelopes wrapped for her younger brother.

She walked into the house excitedly, intending to take out the red envelopes to tease them.

But she didn't expect the two younger brothers to greet her first, and then they winked and reported to her in a low voice.

"Cousin is here, hehe, and brought another man. I heard that the zoo feeds the tigers. Grandma has been watching for you for a long time."

"Sister, I want to introduce that to you again. How about you agree, we can go to the zoo to play casually in the future."

Yin Yue was annoyed when she heard this, and she was in a bad mood immediately.

He refused to give the money, but he grabbed the ear of the younger brother who said something cheap, which made him grin his teeth and beg for mercy.

Then I took the electric blanket and walked into grandma's room to say hello.

When I entered the door, I still saw an older man in a Chinese tunic suit, with a straight face and an old-fashioned face, but he was at a loss.

Looks like he's probably in his early thirties.

Although he was carefully dressed, only the watch on his wrist was conspicuous all over his body.

She lost her appetite completely, and after calling "grandma" affectionately, she showed the electric blanket to grandma.

He and his cousin just exchanged a few perfunctory greetings, and they were about to leave the house and run to the kitchen, preparing for the New Year's Eve dinner.

Unexpectedly, this troublesome cousin turned a blind eye to her protesting face and warning eyes.

He actually stopped her on purpose and asked her intentionally.

"Niece, we haven't seen each other for a month, have you found your partner yet?"

Yin Yue laughed back angrily, and said in a strange way.

"I want to look for it, but my fate is hard. How many people have counted for me? No official will kill you, Yi Kefu. Who dares to marry me? If it weren't for my conditions, I would have married off a long time ago. How could I wait until now? Son? You are asking the question knowingly."

These words startled the man a lot, and he let out an "ah".

Cousin never expected Yin Yue to throw out such a sentence, doesn't that mean she put herself in it?

So he widened his eyeballs and yelled anxiously.

"You girl, you don't have a serious mouth, why do you arrange yourself in such a random way? Bah bah."

Yin Yue is really smart. Seeing such a reaction, she acted in a serious manner at this time.

"Hey, Cousin, didn't the people you brought do the math for me at the beginning, why didn't you admit it? I didn't believe it at the time, saying that you made it a feudal superstition. You also criticized me and said numerology Feng Shui is also a science."

"Now to prove that you are right. Don't talk about Kefu, who is the man I dated? The first Xiao Li you introduced to me was in a car accident. The Xiao Li I knew the year before last Zhang, he was electrocuted to death by a high-voltage power line. The little Zhao you introduced to me last year was pretty good, even though he was bitten by a wild dog while climbing Fragrant Hills with me, rolled down the mountainside, and broke a leg. But at last Saved a life."

"Hey, I can't believe it. I really regret it. It would be great to hear your suggestion to find an expert to crack it. I don't need to be anxious now. Hey, is this uncle the Qigong master you mentioned? Then let's hurry up. I'll prepare anything you want. Oh, don't worry about money, as long as you say the number, I won't feel bad. It's about my life's happiness, isn't it? "

Sure enough, the man who wasn't even afraid of tigers was now scared.

Without a moment's delay, he stood up and said goodbye, saying that he was not a qigong master, and left immediately.

Even though Biao Gu chased her out immediately and tried her best to explain that Yin Yue was talking nonsense and there were no such things at all.

But the message from the man was, "Since the woman has said so and is looking for a way to solve it, let's put this matter aside for now, and it won't be too late until the solution is solved. What you said is the same as numerology and feng shui. Science."

Of course, everyone understands the meaning of "put it aside", and anyone who expects to pick it up again is a fool.

(End of this chapter)