Rebirth 79: I opened a bank in the United States

Chapter 384 You Want To Tell Us Where We Should Go

"Maybe. I'm actually not very good at answering this question. You know, I'm 39 years old this year. I have a family and a child."

"If you want to ask me about my ideal, I will tell you that my biggest ideal now is to have a complete family and a healthy family. If I can provide a better development environment for my children, then It's even better."

"I think, ah, children are actually more ideal than adults. 20 years ago, when I was 19 years old, it happened to be 1961, the year when the Apollo moon landing program started. At that time, including me, many American children, or The dream of teenagers is to be an astronaut. But you know, how much does NASA's astronaut selection program cost just for the initial training of astronauts?"

"Isn't this funded by NASA?"

Regarding the NASA situation, although the Kennedy Space Center is in Florida not far south of their Douglas.But Carter really didn't know much about it, and he had never been there, and the farthest he had been was Orlando.

He only remembered that in China, the astronauts seemed to belong to the military's astronaut brigade.It seems to be a seedling selected from fighter pilots and cultivated through intensive training.Anyway, the astronauts don't have to pay for it themselves.
"If you are selected, NASA will pay for it. But before you are selected? Do you know how fierce the competition is? For an astronaut candidate, the number of applicants can often reach more than [-]! After the accident, the number of applicants has eased. But at that time, I was too old."

Goodman shook his head, looking at Carter with kind eyes.Looking at Carter, who is nearly 18 years old, he seems to see himself once.
"Professional knowledge and a strong physique are two basic qualities that astronauts must have. Professional knowledge needs to go to university to study, but I have no money. At that time, my family had no money to pay for my college education, and even the cost of a comprehensive physical examination. Our family can’t get it out. Even the initial inspection report can’t be issued, and my childhood dream is really just a dream.”

"I am 39 years old this year, and twenty years have passed. I have passed the age of talking about my dreams and ideals, but my children don't have them, do they? My eldest son is 13 years old, and my younger son is only 9 years old. They are in a The stage of exploring and understanding the world. They are full of curiosity and imagination about the world. If possible, my greatest ideal now is to be a capable father to support them in chasing their dreams, so that they do not have to experience My original regret."

"But you are different, you are a few years older than my children. Your line... I can't say it is finalized, but here at Black Bank, at least for now, this is your duty and obligation, and you can't abandon it Your understanding of the world is also stronger than my children, you have your own thinking, just like you just told me about the life you want: rich, and then a little leisure, hobbies can be done to pass the time, Right?"

"Yes, this is what I've always thought. Where I'm confused now, I don't know what's going on with me, what I'm talking about is a little rich, right? But every time a new possibility arises, even if it's Take the risk and rush in. This is actually not in line with what I said in my mouth. If it is for the sake of small wealth, then this route is wrong! I shouldn’t do this.”

Thinking about the past two years, Carter wanted to defend himself, most of the risks he did were controllable!I know the general trend of the future, so I shouldn't lose money
But reason told Carter again, this is all fart!

Knowing the direction of the general trend does not mean that you can understand the details.If you really want to follow the general trend, then you should not add so much leverage to operate.
Because even if it is a conservative investment, if the compound interest rolls on, it will be a huge asset in [-] or [-] years!There is no need to do this at all, but to increase leverage in this way, if there are problems in the details.For example, if any investment fails for a short time, it is easy to break your own capital chain, and then there will be a systematic collapse.If it is serious, it is not impossible to be beaten forever.

"Just now you mentioned the problem of our current debt scale. I'm actually not afraid. Because I think I can turn around, but I suddenly thought of the people I met along the way. After what I did, I suddenly realized I'm afraid that the little richness that I said is not what I really think in my heart. I can't be sure about it."

"People who have met? Are you talking about the children of the Japanese chaebol?"

Goodman turned his head and looked at Carter carefully:
"Actually, I don't think you need to be so troubled at all. You can't turn back the time of what you have done. I think the question you should think about now is, how do you go in the future? Abandon Black Bank, or develop Black Bank?"

"Of course it is developed!"

"Well, since we want to develop, let's set a goal? Let's make a plan for the development of Black Bank. Now there are four savings banks in the Black Bank system, with a total asset size of nearly [-] million US dollars .In this case, the goal of the first step is already clear: bank consolidation!"

"Now operating independently can no longer save us more operating costs, unless you acquire one more bank, or multiple banks. I thought about this direction in advance and communicated with Mr. Patterson. According to the information provided by the FDIC, we There are currently no suitable M&A targets in the surrounding area, and according to the current fluctuations in the risk asset ratio of surrounding banks, at the beginning of next year, there will be a group of banks near Douglas whose risk asset ratio is on the verge of exceeding the limit, but this year, there is no chance for the time being.”

When Goodman said this, his expression suddenly became a little strange:
"Speaking of which, there is still your contribution here. The SR-166 highway, the Douglas residential community, and the Toyota factory in Argyll, and the logistics industrial park, the three major projects have absorbed a lot of labor. After After two salary adjustments, the income of the workers has not only returned to the normal level, but it has also improved significantly. The consumption power of our place and the surrounding areas is slowly recovering. This life is much better! In order to cope with the rising market demand, merchants who have confidence in the nearby market have obviously increased their loans this year compared to last year.”

"As long as the existing circulation system on our side does not collapse, the banks in the surrounding areas are actually... in fact, in this crisis, they can be regarded as the kind of life that is relatively easy to live. So it is only a kind of merger and acquisition window that will appear near us at the beginning of next year. Based on the forecast, there is still half a year to go, and the situation may change by then. Therefore, bank mergers and large-scale operations are what I think we need to deal with the most.”

"You can follow my train of thought and think about what we should do after the bank merger? There is still a little more than a week to go, and you are leaving here for New Haven. Even if it is to satisfy the current Your need for remote command, as the boss, you should also set a clearer and clearer goal for us subordinates! Let us know what we should do after you leave and which direction we should work hard in!"

(End of this chapter)