Blackstone Code

"We have brand new student loans!"

Sitting in a bright office, the Joy family listened to the insurance manager saying something that they seemed to have heard not long ago, and they were a little trancey.

Joey's mother reached out and took two more hard candies from the beautiful glassware on the table, peeled one and put it in her mouth, and put the other in her clothes pocket.

She has already hidden three, and she thinks she can hide a few more.

Although she didn't quite understand why the father and son didn't look good after the interview was successful, she thought it was probably a good thing.

In fact, the sales manager had already discovered the woman's small gestures, but he didn't break it, and he didn't think there was anything wrong. After all, it was just some worthless fruit candy, compared to his business commission... Even if the pot was given to the family He didn't feel bad.

He held three cups of coffee that cost no more than two yuan and put them in front of the three of them, and then continued to explain, "The previous regulations on student loans must be repaid within six years, which has actually caused a lot of damage to many families. repayment pressure.”

"As far as I know, thousands of people end up taking their houses every year because they can't pay the money."

"But everyone, please rest assured, the days of being plundered by capitalists are over, just because of the new business we launched!"

The sales manager's conversation skills are decent, and the comparison raises people's expectations and curiosity, so that they will have the patience to listen to him.

Lynch has also taught these people a lesson, and he used what he said to Richard and those people before as an example, including how he told these people how to let them finish their words patiently.

In fact, many times in sales, whether it is selling insurance or commodities, when the customers you are facing can listen to all your descriptions and have not pointed at the door and let you "get out", they are basically your real customers. Yes, the kind that spends money.

What he said in Lynch, combined with some of his own experience, was quickly promoted to sales manager, and he also had his own office.

Of course, he has a steady stream of customers coming to his door while sitting here, which determines that he can't take all the benefits by himself, and he has to share with those people in the school.

To outsiders, it may be two systems, but to Lynch, it's his business...

To do business, be like doing business.

The sales manager continued, "We have an unprecedented long-term repayment plan with a minimum of 20 years and a maximum of 50 years, and evenly spread it out every month, you don't even feel that you have paid for it!"

Joey's father couldn't help but ask, "How much is that?"

The sales manager skillfully took out a standard document sheet and began to list the data in detail and clearly.

"I personally recommend that you make a 30-year repayment plan, because it is more cost-effective!"

While writing these data, he provided some plans. He also talked about the currency, consumption level, the growth law and curve of the minimum wage. In the end, what the family saw was that they only needed to pay more than 480 yuan per month. After the money was close to the five hundred yuan bill, he fell into silence.

In fact, this money... does not seem to be unacceptable?

Seeing the family's hesitation, the sales manager continued with a smile and said, "This is a four-year full tuition plan. In the fourth grade, you will basically enter the social internship, and there will be no fees, so it only has Ninety thousand."

"If you have some savings yourself now, and reduce them accordingly, you may only need to pay more than 300 yuan per month."

"But remember what I said just now?", he looked at the Joey family, "Inflation, consumption levels, remember?"

He gave the family some economics knowledge just now, and when they nodded, the sales manager continued, "Think about it, twenty years ago, how much was a person's salary a month?"

Joey's father was stunned for a moment, then answered subconsciously, "The minimum is eighty-six yuan and thirty-five cents..." He also glanced at his wife and explained why he knew the details. The number, "My first salary!"

The sales manager nodded again and again, "Yes, it's only over 80 yuan, but what about now?"

Before Joey's family could answer, he asked himself, "York State's revised state minimum wage law this year has risen to two hundred and seventy-nine dollars."

"It's more than three hundred and twenty dollars on the Bupen side, sir, ma'am, do you know what that means?"

"This means an increase in our cost of revenue!"

"Actually, I personally recommend you to choose this 30-year full student loan. Maybe you will find it a little difficult to repay at first, but please believe me, it is not unpaid."

"When your child graduates and has a good job, maybe he can pay off the loan with just one salary."

"With what I just said, maybe our minimum hourly wage will be four or five hundred or even five or six hundred in ten years!"

"Twenty years later, the four or five hundred yuan here may be less than half of our minimum wage!"

Joey and his father felt as if... well, because that's what's going on.

Joey's father couldn't help but say, "The minimum hourly wage standard is adjusted almost every year now, and it goes up every year. It is more than ten yuan, twenty yuan, and more than two hundred in ten years..."

He found out that this was exactly what the insurance manager said!

The change in his eyes was captured by the sales manager in such a moment, "Look, I'm not lying. The hard part is just a few years now. When the child graduates from college, everything will be fine."

"And I believe that you also have some savings. In fact, for a family like yours, there is not much pressure to repay!"

At this time, Joey suddenly asked, "Then why don't you talk to us about fifty years?"

"According to what you said, in fact, fifty years will be better!"

The sales manager shook his head, "You're a smart kid, no wonder you can go to college..."

This small compliment makes Joey very happy, which is much better than complimenting his girlfriend who doesn't know how many hands is beautiful and youthful!

"But, you have to understand that what I'm talking to you about is based on Mr. Lynch's help to you!"

"Mr. Lynch, like you guys, didn't have the money to go to college at first, so he knew that feeling well, and that's what led to our student loans."

"It was built so that more people don't lose the right to chase their dreams because they don't have enough money in their pockets, that's what Mr Lynch said."

"Help doesn't mean Mr. Lynch is a fool. In fact, if you want to apply for fifty years, I'm very happy, because my commission will be more, but your actual repayment pressure will not decrease, but will increase. !"

"And such a plan may only be temporary. Maybe next year, maybe there will be some changes in the year after, such as an increase in interest rates, or a change in the repayment period..."

He listed a series of data, "If you say that your total repayment is about a hundred thousand in 30 years, then your total repayment in 50 years is about 350,000 or more..."

A large series of numbers were listed, and the whole family was in a cold sweat!

However, they are still a little hesitant, because now if they repay in 30 years, they need to repay 180,000 yuan, which is a little more than double the tuition fee of more than 80,000 yuan they actually calculated!

The sales manager knows that he has said enough, and it will only be counterproductive to continue, and some people are cheap.

You talk to him well, he thinks you are cheating on him, but if you want to ignore him, he will beg you instead.

"You can take these materials back and think about it. There is still a period of time before you leave school. You don't have to make a decision in such a hurry."

He raised his wrist and glanced at his watch. "And it's almost time for us. There are other people outside."

Joey's father, who originally wanted to reconsider, was inexplicably nervous at this time, "Can we come to you for this loan anytime?"

The sales manager nodded with a smile, "Of course, anytime. This is a long-term business."

"However, I need to remind you that the enrollment quota of the new university has already been full. If the places are filled because others paid tuition in advance, you will miss this opportunity."

"Even if you don't use the money to go to college, we still need to perform according to the contract..."

Joey's father was stunned for a moment, "Can you still... pay in advance?"

The sales manager smiled, didn't say anything, just told the family with his eyes and expressions, you can go out.

Joey's father wanted to say something, but the sales manager interrupted him, "Our time is really over. If you have anything else to talk about, we'll talk after I've received the others."

"Don't worry, even after get off work, I will wait for you!"

The Joey family can only leave first.

As soon as they went out, the other family couldn't wait to walk in, which made Joey's father's heart stunned and held his breath!

He was a little embarrassed, "I should have made a decision just now..."

In the next room ~www.readwn.com~ a family of three was sent out by the sales manager, and it seemed that they had signed a student loan agreement, which made Joey's father even more nervous.

Joey got nervous too, but he didn't say anything.

The family walked to the corner and began to discuss what to do.

"There are two methods now. The first method is the full amount. We will have to pay back almost 180,000 in 30 years."

"There is also a way to pay the difference, we can pay first, and the insurance company will pay for the insufficient amount."

Joey's mother touched the fruit candy in her pocket, she was slightly taken aback, "If we pay first, wouldn't there be no money in our pocket?"

"Now that the tax rate is so high, our store can only maintain no loss. No one knows how long the war will last. If we don't have the money..."

At this moment, Joey's father suddenly felt that his wife was right, and he gritted his teeth, "Then the full amount!"