Small experience, big wealth

Chapter 20 (1)
44. Arrears without IOUs

Mao Yushi said in the book "The Moral Prospects of the Chinese": "The bottom line of morality requires not to harm others, and its high standard requires people not to be selfish.

The law only requires that no one be harmed. "The year before last, that is, in 2006, a guy from Hubei came to our company to sell toothless saw blades. We were not interested in such broken things everywhere. The guy from Hubei was really patient and courageous. He gave us a large batch of toothless saw blades on credit, and agreed that we would pay after the goods were sold. This is a costless business, and if you don’t do it for nothing, you don’t do it for nothing. So I wrote an IOU to the Hubei guy, and the Hubei guy sent almost a carload of worthless The tooth saw blade was thrown in our company.

In the second year, the guy from Hubei felt that the sale was almost over, so he rushed over without saying hello.Fortunately, all the toothless saw blades are also sold out.When we were about to pay the Hubei guy, the Hubei guy was stupid. His wallet was stolen when he boarded the boat, and the IOU was gone.

How does this checkout?We are a family business, and we don’t have any accounts. We issued an IOU to the Hubei guy at that time, and it has been a year. There are countless heroes from all walks of life who come to the company every day to sell various products. Who remembers the situation at that time? Ah, no one remembers the number of toothless saw blades, and no one remembers the price of the toothless saw blades. The saw blades have been sold out for half a year, how to check out?

The guy from Hubei himself said a number, [-]!But we have no bottom.This has been sold to you for half a year, it doesn't matter if you can't make any money, don't call you a Hubei guy!People say: there are nine-headed birds in the sky, and Hubei guys underground.The meaning is very clear, it means that the people from Hubei are smart.How much do you say?who do you think You Are?

The guy from Hubei said 5000, and we also said a number, [-].The gap between the two is indeed a bit too big, but what do you think of this kind of unsubstantiated arrears?
So the two sides are so stalemate.It's not over yet.It's not that we're unreasonable, if you take out the IOU, let's not say anything else, as much as you want, one cent is not much for you.

This is also a coincidence.Last year, I sent a batch of goods to Zhuanghe. The payment was 20500 yuan, and the payment was made after the sale.Because I drank too much in Zhuanghe, after returning home to sober up, I couldn't find the IOU signed by the other party.It wasn't until 3 days later that I found out that my handbag was lost, and the IOU was in that handbag.

what to do?The Hubei guy's problem now falls on himself.Now let's compare our hearts, if we don't ask Zhuanghe's friends to settle the bill with IOUs, they will definitely not do it.After thinking about it for a week, this trick really made me come up with it.

After another month or so, I delivered another 5000 yuan worth of goods to Zhuanghe.

I made an excuse for myself and said: "There are some leftovers from the delivery in Dandong. I don't want to take them back. I might as well send them here." By the way, I asked again: "The last time the goods sold How's it going?" The other party replied: "It didn't sell much, it sold more than 3000 yuan." I said carelessly: "It's okay, let's count it together when it's sold out." Just like that, Zhuanghe called me again. Zhang IOU, I happily went home.

When I got home, I put the new IOU he gave me on the table, practiced wildly with his signature, and when I showed my signature and the other party's signature to everyone, everyone said: "It's completely Same." So, I wrote a new IOU, wrote down the amount owed by Zhuanghe last time, and then wrote his signature neatly, and the lost IOU came back.Because I planned this way when I was leaving for the second time, I deliberately brought our own company's note with me when I went there for the second time. When the other party agreed to accept the second batch of goods, I quickly I wrote the IOU on the note I brought, and the other party signed my name on it without even thinking about it.Now I put the two IOUs together for a closer look, and they are exactly the same.

Almost a year later, I took two IOUs to settle the bill, and settled the bill without any trouble.The boss of the other party also praised me: "Look at Boss Du, he is very particular. The goods worth more than 2 yuan are placed here, and he has not even made a phone call. Boss Du is particular, and we can still be worse, daughter-in-law, let Boss Du All accounts are settled." Of course, my approach is wrong, at least it is a forged document.But we didn't cheat anyone, and we didn't lie to anyone.Everyone is happy, and unnecessary disputes are avoided.

Business experience:
Must remember, don't write an IOU and everything will be fine.It is best to keep an account when you go home. IOUs often need to be taken with you, which is not safe.The ledger is kept at home every day for insurance.It is better to make two copies of the IOU. I just do the accounting voucher myself, and no one can fake it.

When issuing IOUs to others, you must think about it, use your own sticky notes, and remember to stamp the company's seal on the IOUs.Although this seal has given the other party conclusive evidence, we don't want to take advantage of the other party, and there is nothing terrible about giving him evidence.However, we also put an insurance on ourselves, at least others cannot forge our documents.

It is necessary to clean up the debts in a timely manner. If the debts are owed for a long time, the possibility of accidents will inevitably increase.

45. One night 15 years ago, my husband and I hosted a dinner for the couple downstairs.

The two men downstairs are called Shi He, who work in a government agency. I was in the same bureau with him when I was working in the agency.The woman's name is Yan Xiaoxia, she works in the hospital, and my wife has troubles with headaches and fever, so our family often finds them when we have delicious food.

That night we ate seafood hot pot. In the heat, we put crabs, prawns, conch, and squid into the pot one by one, with a small wine glass at one end. In the severe winter of the northern country, we hid in a small building and talked at night around the stove. That's a treat.

In the interlacing of cups and cups, chatting and laughing, it is not so pleasant.

During the dinner, we somehow chatted about doing business.My wife said: "I want to do business and I don't want to go to work. It's boring. Look at our little uncle. He has only been here for more than a year and has earned more than 50 yuan." There is now a row of temporary housing in the open space on the east side, which is being rented out. It is quite cheap, only 1 yuan a year. It is only next to Jinma Road. What a great place. If there are less than 20 sets, it will be gone if you go late.” So, the next day, my wife and I asked a friend to help us rent a set.The house is a temporary building, the roof is made of linoleum, and there is no heating facility. It is more than 30 square meters in total. The best thing is that it is located in the most prosperous area of ​​the development zone. There used to be a big project in this place, because of funding problems. It was temporarily stranded, so several sets of temporary buildings were built temporarily.

My wife is also really quick, what kind of car inspection line?Whether the squad leader is not the squad leader, regardless of 21, he resigned as soon as he said that he resigned, and the license was completed after three times, five and two, and the company opened for business in less than a month of preparation time.

Time is like water, years are like songs. 15 years have passed in the blink of an eye.

It’s the same as our husband and wife who invited our two friends downstairs. At this time, our business is booming. We bought one set after another, and the house was changed from 100 square meters to 200 square meters. Daewoo of South Korea was also replaced by BMW of Germany.We drank very happily that day, and before we knew it, the topic turned to the business in the sea.

Yan Xiaoxia suddenly said: "Now that I think about it, I really regret it. We told you that you rented a house there at the beginning, but you have been working until now, making a lot of money and becoming a big fortune. At that time, the conditions of our two families were exactly the same. You can’t catch up with us. Xiao Du and our family, Shi He, both work in government agencies, and we both work in enterprises. You seemed to be on the car inspection line, and I was in the hospital. Look, now, the distance has suddenly widened.

My wife said: "Aren't you reluctant to part with your job?"Your husband is a civil servant.You are a head nurse, serving people, and now your salary is less than 4000 yuan a month. At the beginning, you were persuaded to go to sea to do it yourself. You said nothing, and now you regret it. If you went to sea at the beginning Do it, you've already become a billionaire with your mental head! I said, "Actually, there is no difference between the two of you compared to us. Shihe pays 9000 yuan a month. Once he wears a uniform and rides in a car, he is not just showing off wherever he goes. He is also a civil servant. Call a government official, what?Yan Xiaoxia is not bad at all. Although the head nurse is no better than a doctor, which patient should not flatter her?Come on, rejoice!For our happy life, everyone made this cup! I put down the wine glass in my hand, and said: "I remember that your temporary house was sublet by my wife later. You seem to have made 6000 yuan at once, which is almost a year's salary at that time. You are so happy." I also bought a pair of leather shoes for my wife, which were very popular and expensive at that time. "My wife took the conversation: "It's King Charles, more than 600 yuan." "Yan Xiaoxia sighed: "Didn't you just look at the one thousand eight hundred at the beginning? Think about it, it's just my husband's current monthly salary. What did you think at that time?" Shi He made a concluding speech at the end: "Let's have a family. I've always been the one to decide on big things, and my wife has the final say on small things. As a result, it's no big deal until now.

There are two major events, both of which are related to the house. One is the renting of the house. Zhongming and I originally had an idea to let Xiaoxia go into business, but it was up to her to make up her mind.Another thing is that the storefront house in Green Town, I said to keep it, Xiaoxia insisted on selling it, but now it seems that she sold it wrong, and she made 2 yuan. If Zhongming and the others keep the house until now, no Is that all right?Although I have the final say on major matters, my wife has to make the final decision.If our family was left to me to make decisions about big and small matters, our family would have entered the billionaire club by now, and maybe it would be on the Hurun rich list..." Xiaoxia smiled and said: "Come on, let's do it This cup, from now on, all major and minor matters in our family will be decided by my husband. I hope our family will enter the billionaire club as soon as possible, and my husband will be listed on the Hurun Rich List as soon as possible. ""cheers! ""cheers! "Business classics:

When doing business, you must take a long-term view, and you cannot be blinded by the petty profits in front of you.

A good job or a relatively comfortable life often becomes a stumbling block for a person to make up his mind, so the spirit of breaking the boat is an essential quality for doing business at any time.

If you want to change your life, you have to do it yourself, there is no other way out.It is difficult to buy a house with a salary for a lifetime.

46. ​​Ding Lei, the founder of Netease, said: "No matter how the world changes, no matter how far the things around you are from your ideals, you must stick to your ideals and have the spirit of never giving up. It is really important to work hard step by step}." I remember one time when we attended a class reunion, a classmate commented on my wife and me (my wife and I are classmates): "You two are fate. Well, I started it after only a few years in the development zone." I actually disagree with this classmate's argument, I refuted the classmate's point of view: "The opportunity for reform and opening up is just right for us, why are we classmates only The two dared to give up their jobs, positions, and houses and came to the development zone with sorghum fields everywhere. Anyone can be an individual or a private enterprise. You have the same opportunity as us. Why don't you dare to go to sea? Why do we students like my wife dare to give up the good job we already have and go into business? This comes from the accurate judgment of the general development trend of the country and the courage to seize opportunities. This is not a good fate.” Before we came to the development zone, we were actually in our hometown. Also mixed pretty well.

In September 1980, after graduating from high school, I was assigned to work in the Environmental Protection Bureau of Xinbin Manchu Autonomous County, and my wife (of course not at the time) was assigned to work as a laboratory analyst in the county knitting factory.

In 1986, at the age of 24, I served as the deputy head of the Xinbin County Environmental Protection Monitoring Station. At that time, I was a high school student. In May 1983, more than 5 people in the county participated in the Liaoning TV University Examination, and I was No. 3000 in the county.Later, the county government office recruited a secretary throughout the county. I took the recruitment exam and got No. 1 in the exam. So the county government, county party committee, and county organization department all wanted me. Later, I didn’t have any of these places. Go, because during that period of time I have been running around to be transferred to the Fushun City Environmental Protection Bureau, because during that time I applied for Jilin University (correspondence), if I went to any department of the county government, county party committee, and county organization department, Lost the major of environmental protection, the dream of being transferred to Fushun City Environmental Protection Bureau, and the dream of entering Jilin University to study environmental science will be shattered.

However, it is true that "life is often unsatisfactory".I did not go to the county government, the county party committee, or the county organization department, and my dream of being transferred to the Fushun Environmental Protection Bureau did not come true. Although I got the admission letter from Jilin University with the No. For various reasons, the dream of studying at Jilin University did not come true.

However, these setbacks in life did not make us give up our dreams.

I remember that less than a month after I started working, I went to Shenyang, Anshan, and Fuxin on a business trip with a colleague from the unit. That business trip made my heart wild, and I was shocked by the splendor of the outside world.I think Xinbin County is too narrow, too closed, and too backward. Although there was an emperor there, and it was the birthplace of the Qing Empire, it may be that Nurhachi and the Qing Empire have exhausted the spiritual energy there. The economy and culture have always been underdeveloped, and it even became a poor county in the whole province for a time.So I have always wanted to find a bigger stage, go to a farther place and a more developed city to develop, to realize my ambition and dream.

(End of this chapter)