20 years of restarting life

Chapter 1987 The person who worries about the world first
"Mom, why are you asking this?"

Jingxiu is a little anxious. She usually uses Mandarin as much as possible when communicating with people, and she doesn't call 'Mum', but 'Mo'.

Although the relationship between her and Zhao Chang'an is true, but mother asked Zhao Chang'an's personal privacy so bluntly.

Obviously very rude and very abrupt.

"It's nothing, I'm just curious. You spend too much money. I heard that you bought a villa for three or four million yuan? Chang'an, you are still young and don't know the importance of money. It's not like a penny can't beat a hero." A joke, money should be spent when it should be spent, but when it should be frugal, don’t be extravagant.”

Jing Xingmei just wanted to know about Zhao Changan's family background, not because she had any other ideas, but as a middle-aged man who had been beaten for many years, she wanted to give these young people some advice.

Money has to be saved, you are still young, and there are still many places where money will be used in the future.

For Jing Xingmei, although Jingxiu doesn't participate in many commercial performances, but there are two or three times a month, and she can get 20 yuan after tax.

Moreover, Jingxiu also has a salary bonus of [-] nanometer per month. After deducting five social insurances, one housing fund and personal income tax, there are also [-] to [-] yuan.

Their mother and daughter are not short of money.

The reason why I asked Zhao Changan this way was to persuade Zhao Changan not to waste money.

"Buying that villa, as well as other houses, is more about the trust and expectation of the future national economy. Auntie, if you have money, buy a house desperately. You want to buy a house with a first-class kindergarten, elementary school and junior high school nearby. It’s the school district room. As long as you stand on the air vent and stand in the right position, you can fly—well, a little sheep.”

Zhao Changan knew that Jing Xingmei still had RMB 70 or [-] in cash, so he still hoped that she could take out the money and make a down payment on a few small-sized and well-located houses.

After the down payment for a house of 400 square meters, don’t do anything afterwards, you can earn 700 million yuan in ten years, and [-] million yuan in [-] or [-] years.

It is equivalent to saving a fixed interest for more than ten years, and the annual interest rate exceeds 100% every year!

Once upon a time, a famous person said in a book, 'If capital has a 50.00% profit, it will take risks; if it has a [-]% profit, it will dare to trample on all laws in the world. '

The investment is clearly well worth it.

At present, the annual interest rate of the five-year fixed interest rate of the bank is only 2.9%, the interest rate of the loan over five years is 6.21%, and the interest rate of the mortgage over five years is 7.05%.

If there is a way to be bolder and more ruthless, the bank loan is 6.21%, plus the mortgage interest rate is 7.05%, and the annual rate of return is more than 85%!

In any case, it is a good thing with a lot of money.

For example, when the deposit interest rate was relatively high a few years ago, the one-year deposit in 96 was 9.18%, the two-year deposit was 9.9%, the three-year deposit was 10.8%, and the five-year deposit was 12.06%. Then deposit the money in the bank, and with 10 yuan, there will be an income of about [-] yuan a year.

To put it bluntly, money is touching!

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In the past two years, as a firm believer that housing prices will rise, and that it will also increase sharply, Zhao Changan has spared no effort to promote this argument within the One Nano Department, encouraging employees to go to the house when they have money. Down payment on the house.

Especially if you want to buy a house with a good location, a small apartment size, and a good elementary school, junior high school, and kindergarten nearby.

Houses in China are expensive because houses in a school district are expensive. Houses in good school districts are overcrowded, and houses in poor school districts are sold at a loss.

It’s not that the housing is not enough, but the educational resources are unbalanced in essence. People want their children to go to prestigious schools and win at the starting line of life.

And the Cretaceous, which Xia Wenzhuo is in charge of, is at the forefront, agreeing to provide low-interest or even interest-free loans of a certain amount to all veteran employees of the company who have worked for more than one year to help them buy a house and pay the down payment.

"There are enough houses in Mingzhu. When I have nothing to do, I go around the city. No matter in the city or in the suburbs, houses are being built everywhere. The whole Mingzhu has become a big construction site. How can so many people buy houses? Besides Money is so hard to earn now, a house costs 60 to [-] yuan, and our Mingzhu only costs about [-] yuan a month when we go to work, and we have to go without food or drink for decades to afford a house. Experts say that the house price will definitely fall But I think it’s a good deal to buy two shops, and rent out the house to make money every month.”

Zhao Changan didn't argue with Jing Xingmei. In fact, this is indifferent. The current situation is that Jing Xingmei no longer has a set of commercial housing in a good location, and her original two-story building only covers an area of ​​more than ten square meters. The old house was supposed to be sold for 2 to [-] yuan, but under Zhao Changan's insistence, it was not sold, and the house was left empty.

When the house is demolished in a few years, she can replace it with a decent house of [-] or [-] square meters.

Two sets of commercial houses, if you buy two more shops, you can basically become a multi-millionaire after more than ten years lying on the ground.

Besides, Jingxiu has been earning money.

"It's okay to buy a store. There is a saying that one store can raise three generations. Auntie, if you see something that suits you, let me know. Let's refer to it together."

"it is good."

Jing Xingmei agreed with a smile.

"The composition of my assets is relatively complicated, and the volatility is relatively large, and there is also this cognitive valuation bias. However, there are two clear prices, one is the 9% shares held by Imagination, which is equivalent to 3% of Imagination's shares. A little more than %, according to the current market value, about 7 million can be cashed out. One is 2000% of the shares of Yinlong Mountain City. If it is realized, it should be able to cash out [-] million. As for the others, after deducting the arrears, it is estimated that there are several hundred million Bar."

Jing Xingmei looked at Zhao Changan who was driving in the front seat in shock, this number severely refreshed her impoverished brain.

In her original opinion, Zhao Changan's assets might be in the tens of millions, which is quite scary.

If you know how old Zhao Changan is, he is still a college student, and he started from nothing. If he can go from penniless to tens of millions in less than two years, he is already a great genius.

Moreover, knowing that having money and a large amount of assets does not mean that you are rich. How many big bosses now say that they are in charge of large companies worth hundreds of millions or billions, but they have already owed a lot of debts, or even became insolvent. Isn't there a lot of situations like this?

So knowing that Zhao Changan spent 400 million yuan to buy a villa, Jing Xingmei disapproved in her heart, and hoped that the child would be more stable, so that she wouldn't just lose some money and get hit with blood.

How could he have thought that he was worth hundreds of millions!

In this short period of less than two years, I haven't seen him carrying sacks, going to the construction site, or working as a coolie. Why is he so rich all of a sudden?
Jing Xingmei was speechless for a moment.

"Auntie, it doesn't matter if you have money or not. In fact, I have no idea about money, and I don't love money. It's just that money can help me realize my small ideal of benefiting mankind and serving the world."

Zhao Chang'an spoke sincerely, with a look of compassion and pity for the world's worries first, and joy for the world's joys later. Hearing this, Jing Xiu nodded repeatedly, feeling that his man was really too great and too noble.

After Jing Xingmei heard this, it was the first time that she began to have doubts about her previous decision, whether she should take out the money and make a down payment on several small-sized commercial houses.

(End of this chapter)