What’s Wrong With Me Being a Rich Man?

Chapter 7: The person in the game (4.9k)

Yu Xing did not immediately listen to Liu Wanying's suggestions.

He first packed up the dishes on the table, sootheed his master's slightly uneasy mood, then took a piece of milk candy from his pocket and gave it to his junior sister, and finally poured two cups of tea.

"Sister Ying, have tea." Yu Xing politely handed the tea cup to Liu Wanying.

"This tea is not in vain." Liu Wanying said with a smile without any politeness, "Yu Xing, I don't think you are on a whim, but after you have been studying medicine for all these years, isn't it a pity that you suddenly change your mind?"

When Yu Xing saw that his master's wife led his junior sister to the room for lunch, he shook his head slightly, took a sip of tea, and sighed, "I have a hard time, I can't save myself after studying medicine... myself."

He didn't want to unfold this topic, put down his teacup, looked up at Liu Wanying, and asked, "Sister Ying, to be honest, what do you think we need to pay attention to in our project?"

"Yu Xing, I just reviewed what I wanted to do. You also mentioned that you don't do insurance publicity. This kind of bet is indeed a bit of insurance." Liu Wanying was not interested in the topic of hardship or not.

She was not idle for a while and said with a fast speed: "If it is calculated based on insurance, an order of 500 yuan will be 500 yuan, and the pricing fee rate will be 20%. The net premium is almost... Well, 417. ”

"The product redemption is 999 roses, which are considered as insurance, even if it is 3,000 yuan."

"The pricing fee rate is 20%, and the pricing interest rate industry is commonly used by 3.5%.

Liu Wanying thoughtfully asked, "Well, if it's insurance, it's better to add a termination period. How many years do you think the probability of a couple getting married will decrease every other year?"

"It's about three to ten years. During this period, you can exchange it for marriage." Yu Xing gave a number, "Generally, the longer the time, the harder it is to get married. Even if the probability of getting married in the fourth year is 80% of the third year, then and so on.”

"If this is the case, the probability of getting married in the third year of your product model..." Liu Wanying took out her niece's homework book and listed the formula above, trying to see the probability of getting married in the third year of this model.

—Suppose the probability of getting married in the third year is k, the fourth year is k*0.8, the fifth year is k*0.8^2, and the tenth year is k*0.8^7

—Net premium = coverage amount × (the probability of marriage in the third year/(1+priced interest rate)^3+the probability of marriage in the fourth year/(1+priced interest rate)^4++the probability of marriage in the tenth year/(1+priced interest rate)^4++the probability of marriage in the tenth year/(1+priced interest rate )^10)

—417=3000* (K/1.035^3+K*0.8/1.035^4+…k*0.8^7/1.035^10)

—Well, you can use the summing formula of the equal ratio sequence. The first term is K/1.035^3, the common ratio is 0.8, and the number of terms is 8

—It can be calculated, K≈3.7%

Yu Xing saw Liu Wanying writing in the primary school homework book, and then took out the calculator to divide the two into two, and finally gave the answer.

He stared at the calculation process above and asked sincerely: "Sister Ying, sister, what are you doing?"

"It's quite interesting to do merger and acquisition consulting places." Liu Wanying learned his tone and smiled, "If you really count according to insurance projects, your number setting is to make the highest probability of cashing out customers at 3.7% To estimate, tsk, it really feels like an insurance actuary is working behind the scenes, which looks quite reasonable.”

It is difficult for Yu Xing not to respect smart people.

Liu Wanying threw down her pen, put away the smile on her face, and said seriously: "I think you have considered many aspects. This kind of business amount setting seems to be carefully considered. Well, you are a smart person, and you are paying attention to the red line in advance. This is really rare."

"However, I have seen and heard of many capable people who run companies, such as direct sales, pyramid schemes, capital sales, Ponzi schemes, etc. Do you think those extremely smart people don't understand the risks of the red line? They don't Do you take measures to avoid it?”

"Do you think they didn't think that they just stimulate vitality when using these? Just use them temporarily?"

"There are too many smart people in the world!"

"When it was really difficult, my colleagues in the company advised me, and my friends around me said that those who were engaged in pyramid schemes and funds had to guarantee that these smart people would have to use them, and they had to try again and again with the mentality of luck, and finally got deeply involved in it."

"So, the old saying goes, being smart is just mistaken for cleverness!"

Liu Wanying shook her head and sighed: "Sometimes, success does require a little luck."

She turned her head to look at Yu Xing, a male master, and saw that his face was as deep as iron, without any hesitation in his eyes.

Yu Xing noticed Liu Wanying's subtle movements and slowly praised: "Sister Ying is really clear about the matter."

"It's just clear onlookers." Liu Wanying suppressed the little surprise in her heart and said with a smile again, "People's thoughts and states in the bureau are different, so they will enter the bureau if they are accidentally."

"Is this Sister Ying's first advice to me?" Yu Xing believed that this was an extended suggestion of "going wrong" in previous words.

"No, these are just my feelings." Liu Wanying's voice became a little cold, "My first suggestion is that it would be fine at the beginning. If you can really get up, leave the city of Jinling as soon as possible."

Yu Xing was stunned. This was something he had never thought about.

Liu Wanying slowly explained her confusion: "Jinling, the ancient capital of the Six Dynasties, this city... It's not that it's bad, but sometimes you go to the old city to visit, and there are a lot of tobacco and alcohol recycling stores."

This statement seems quite meaningful.

Yu Xing understood almost instantly that the city of Jinling is very historical, and sometimes his style of doing things is also very historical.

"I think you really want to do this, and you won't expect to bring in all the customers you can contact, right? This business is destined to only try to convert a small number of customers who are interested in this." Liu Wanying changed her approach. "Since that's the case, just like this business, why don't your company find a city that can accept new things more?"

She reminded: "Otherwise, it's nothing. If the competitors stabbed it to, there might be something. The style and acceptance of different places are different."

The world is dangerous, is it not to be guarded?

Yu Xing thought of many situations in an instant. He sincerely poured a cup of tea again, stood up to say to the tea: "Sister Ying, this suggestion is practical."

Liu Wanying took a sip of tea with a smile, but did not keep it in the dark: "This second suggestion, you can re-register a company in Xiangjiang. It's not just that I work in Xiangjiang, but based on the objective situation, I encountered an accident. The situation may be useful."

It is difficult for Yu Xing to disrespect the second cup of tea. This time he made a little joke: "Sister Ying, if I have money, I will cover all your lipsticks in the future!"

Liu Wanying's red lips seemed to be smiling: "Then I hope you will be rich sooner, and then I will go to the counter and wave my hand to the counter. I will be in this counter."

Seeing that this person is indeed insightful and adheres to the principle of paying more money if you can get more information, Yu Xing diligently poured the third cup of tea: "Sister Ying, for the early arrival of that day, I would like to ask you for more advice."

"I have nothing to give you advice. I'm just talking about it on paper. Whether it can be done or not, and whether there is any problem with actual execution, it depends on you." Liu Wanying shook her head slightly, but after a moment of contemplation, she said, "This project is relatively new." , your customer base is not someone who needs to try hard to convince, but you can try new things.”

"On the day of the wedding, 999 roses were arranged on the scene. Thinking about it is romantic. The consumption impulse you provide is 'Thinking about it is romantic'."

"Just like people go out for a trip, the happiest time is not really going out for a trip, but planning time before traveling."

"When a lover gets married, is the diamond ring expensive? It will depreciate when you get it."

"Does wedding photos have to be taken? Most of the destinations you take are stuffed under the bed."

"Is it necessary to arrange the 999 roses on site?"

Liu Wanying said with a smile: "Hey, what I want is the feeling at that moment. This feeling is sold for you for 500 yuan. Is it expensive?"

Yu Xing gave a thumbs up and said it was right.

"This project has a certain room for imagination, but it is 'certain'." Liu Wanying stroked the ends of her hair, her voice turned plain, and her eyes became sharp. "If you regard it as the core business of a company, I think We will soon encounter the bottleneck we mentioned earlier, and there will be a problem of investment and growth, but if it is a second or third growth curve of a company that already has core businesses, it will be different in terms of cost and prospects."

Yu Xing looked at Liu Wanying hesitantly.

Liu Wanying blinked at him.

"Sister Ying's suggestion is... If you can make a scale, you can sell it to..." Yu Xing pondered his meaning, thought about the current situation on the market, and continued, "Sell it to Century Jiayuan, Baihe.com, etc.? ”

Century Jiayuan and Baihe.com are both dating websites. They have been established for several years now and have a good scale. The core business is to be a matchmaker.

"Yes, there is also a Zhenai.com, which is the top three in this market." Liu Wanying added a company and smiled, "The marriage and love market is definitely much stronger than your small track with a single segment, but their core business is After the growth slows down, new growth points will inevitably be opened up, and naturally we have to work **** the upstream and downstream of marriage and love."

She said in a casual manner: "Just as I said just now, you only need to do this, but if you do it alone, you have core business, and your staff and team are ready-made, that is, you need to get twice the result with half the effort."

Yu Xing suddenly thought of the conversation she had at the dinner table before, "It is easy to replicate, there is no threshold." Is this what she just considered?

He nodded slowly, not repulsing nor felt that his current situation was qualified to reject the company, but he said slowly: "I'm afraid we must also prevent their competition. Compared to us, they obviously can reassure customers." Rose It takes time to cash out. Can a new company be there in three years?

The probability of Century Jiayuan, Baihe.com, and Zhenai.com will be more likely to last for another three years.

At the same time, all the advantages and disadvantages of the project I talked about before are placed on these three companies. The advantages are magnified and the disadvantages are reduced.

Yu Xing thought of potential competitors and buyers that may appear, but his mind was a little distant. If it could be sold, could it expand the scope? Tencent has QQ show and Internet couples. With its huge traffic, can it reduce the unit price and increase it. Revenue…

Where is Alibaba? Can it be interested in this kind of sub-category social interaction?

No matter how small a mosquito is, it is still meat.

NetEase seems to have done business in marriage and love, and it is not surprising that even the boss can raise pigs.

Yu Xing was full of thoughts for a moment, and it was hard not to consider those well-known Internet companies, whose tentacles, whether light or dark, have spread across all walks of life many years later.

"What? Are you reluctant to let it go?" Liu Wanying did not respond when she met the person, gave a very natural judgment, and said sincerely, "It's better to stop when you see it, than to run away in the end. We ordinary people don't have to make a profit. How many billions are there, this is already very successful in making a project well, and it will be enough for you to spend it slowly.”

Yu Xing felt this sincere advice and was quite grateful. He said, "No, Sister Ying, I just thought that if we aim in this way, we may need to increase some hype, methods of doing things and The goals need to be modified."

No mistakes, one song, one content, one in 6, one book, one bar, one reading!

"That's what you founder needs to consider. Anyway, if you really can't do it, just continue to be a doctor. In short..." Liu Wanying had already said a lot when she first met. Although it was for the sake of her biological brother, some factors were I am happy to see the hunting.

Not all entrepreneurs are logical and thought carefully. Of course, this does not mean that entrepreneurs of other styles cannot succeed, but communication with the former is always more pleasant.

Liu Wanying said, "Don't make trouble, classmate Yu."

Yu Xing smiled helplessly: "I really didn't think about running away."

"Yeah, I believe you, then..." Liu Wanying said readily, "Good luck, Boss Yu."

Yu Xing felt a little fluctuating when he heard these two titles before and after, and he still made his unhappy request: "Sister Ying, I just mentioned this today, and you analyzed so much. It's just too much. It's amazing, are you willing to do this with us? Whether it's decision or equity, just say it."

Liu Wanying did not unexpectedly hear such an invitation, and refused with a smile: "No, I am not interested in such a project, and you just do it. Is the value of this equity? Is it more than my salary?"

She shrugged, with a cramped smile on her face.

Obviously, Liu Wanying earns a lot of money from her job.

Yu Xing said "um" and continued quickly: "Then, Sister Ying, you have such a lot of salary, can you lend me some money? I almost have the money to register a company."

Liu Wanying: “…”

Isn't this a real unforgiving request?

The invitation just now was to cover up borrowing money?

etc…

She said angrily: "The money for registering a company? You haven't even registered a company? How much does it cost to register a company?"

"It's still 30,000 left." Yu Xing met Liu Wanying's eyes, "It's okay to lend me 25,000."

Seeing that the master did not speak, he quickly modified the loan: "Twenty thousand, or ten thousand... ten thousand..."

"It was originally a business that wanted to make money by nothing, but you... it fits." Liu Wanying tried her best to give a positive comment and refused, "Don't borrow."

Yu Xing was not angry, but said with some regret: "Sister Ying, you missed a good return. There are not many, we can count you as invested in, really, Sister Ying."

"Don't borrow, don't borrow." Liu Wanying reiterated her decision and smiled, "I'm not interested in investing, but I can be your first batch of customers."

Yu Xing immediately asked enthusiastically: "Sister Ying, it is definitely worth investing in the wedding. Others have been three years. Sister Ying can ask me to exchange it anytime after a year. The 999 roses will be upgraded to 1,001."

"I gave you sincere advice, so you can give me two more?" Liu Wanying glanced at the deliberately exaggerated male master.

"Or why it's a good thing? I only added two of them." Yu Xing said seriously, "But don't look at these two, the lottery is also very good, you can choose one from a thousand."

"I'm quite inclined to be successful now." Liu Wanying was amused and crying, "I won't vote for myself. I'll help my friends place an order. They will follow your conditions just now. They can exchange 1,001 roses at any time when they get married in a year."

Yu Xing agreed without hesitation: "It's so sir! Sister Ying, how many orders are placed?"

Liu Wanying said lightly: "Just place 20 orders, and someone will come to cash in a year."

Yu Xing took out his pen and was about to write a contract by hand, but suddenly realized that the total price of these 20 orders was exactly what he said in the end that he borrowed money - 10,000 yuan.

"I'm afraid I can't repay it?" Liu Wanying's eyes were smiling. "I'm also a little curious. Can a person who has been studying medicine for a few years but suddenly wants to start a business finally repay the things."

Yu Xing nodded slightly, and did not be polite. He wrote a double copy of the contract on his junior sister's primary school homework book, but it indicated that it was 21 orders.

Liu Wanying took the words in black and white and saw the numbers on it.

Yu Xing said seriously, "Sister Ying, you will be rewarded with a big reward for your opening. I will give you a ticket."

Liu Wanying signed two contracts and smiled and put her own money in her niece's homework book.

"Sister Ying, I have another request." Yu Xing did not plan to give it to you for free.

Liu Wanying couldn't help rolling her eyes.

Yu Xing seemed not to see this expression and asked for help, "Sister Ying works in Xiangjiang. If you have any friends who can help register a company, the money will be deducted from the money you placed, and the rest will be transferred to my card."

Liu Wanying: “…”

She stared at the man in front of her for ten seconds, and gave a thumbs up: "Okay, you are this!"

Before Yu Xing could respond, he heard the sound of the study door being opened and suddenly closed. Then he saw teacher Liu Jingrong walking out of the inside angrily and heading straight for the door.

Liu Jingrong glared at the eldest disciple, said nothing, and left directly.

Yu Xing was a little confused, not knowing whether his junior brother had succeeded or failed, and then he saw Zhong Zhiling slowly moving out of the study.

"Brother Xing, the teacher wants to call my mother..." Zhong Zhiling's tears were always not under control these two days. He was so panicked and afraid that the parents would be invited to the parents in the end.

Liu Wanying looked at this scene and turned her head and asked, "I'm canceling that batch of orders now, can I?"

Yu Xing made a loud voice: "Written in black and white, I have no regrets when writing!"

But my junior brother is always like this, it's not OK...

The 30-day countdown has begun, and I still have to work hard...

Yu Xing's mind changed and thought of an idea that might be very appropriate.

(End of this chapter)