During the financial crisis at the end of 2008, I said to the Xiaoyong brothers, who came to drink tea in the office at that time: " Remember what I said today, in the future we will have to pay a lot of money to go out to eat bowls of noodles, what we have to do is to quickly adjust, so that we only have money and wealth in our hands to achieve appreciation and preservation, buy some houses or real estate or something, the future of China's economy may become more and more difficult, the appreciation of the renminbi that began in 2006 and this year's four trillion stimulus plan will force more and more foreign-funded enterprises to move out of China, seriously squeezing the ability of foreign-funded enterprises to make profits and create wealth, the future employment situation will become more and more severe, money will become more and more difficult to earn, but more and more easy to spend”。 It didn't take long for me to start looking for suitable listings on the Internet.

No matter how they are, the global financial crisis in 2008 also let me see the opportunity, in addition to my company's sales fell by half, Kunshan's housing prices also began to fall sharply adjustment, after I put the company's scale adjustment in place, I did obviously feel that the mental and ideological pressure is much less, in order to cope with the future inflation and the need to maintain value, I began to pay attention and brew: to implement a townhouse, improve the living conditions of family and relatives and implement my second five-year plan. However, such a major matter as buying a house is, of course, to discuss and communicate with his wife and exchange opinions, not to mention that she is the "Minister of Finance" in the family and must pass through her. In fact, when we first got married, we were actually in charge of our own economic income, until my mother appeared: our family has always been a woman in charge of money, you give your money to my daughter-in-law to manage, your fingers are put together such a big gap, there will be leakage of money and you can't save a money at all, you see that your sisters are also responsible for managing money at home. In this way, my economic power was deprived in the bud, in fact, to be honest, I really don't know how to manage money, the salary before coming to Kunshan was handed over to my mother, but I want to use it when I want to use it, not to mention that the purpose of making money is not for the family, for the relatives, so I didn't say a word about handing over the economic power.

Until a few weeks after the Spring Festival in 2009, I saw a set of eye-catching information on the Internet: a townhouse in Huayuan Road Art Village, 164 square meters, four bedrooms, three living rooms and four bathrooms, one room for parents, one room for mother-in-law, one room for us and our daughter and one room for our son, just 1 million yuan, and the houses of the same area at that time were almost between 1.20-1.25 million yuan. So after getting off work that day, I drove directly to the seller's house, carefully checked the quality of the house and the surrounding environment, I didn't even pay back the price of the other party, I threw a deposit of 50,000 yuan directly to him on the spot, and signed the contract on the spot, it turned out that the owner bought a single-family villa sold by Taiwanese in the nearby community, and urgently needed money to pay for the house there, so the price was about 200,000 yuan lower than the market price, and this house seemed to be the house type I described to my wife back then: Mom and Dad use a floor of their own room and bathroom, share a living room and dining room, or have a small yard of about 25 square meters can grow flowers and raise dogs or something……。

When I went home and told her the information that I had booked a house, she replied directly to me: "We want a loan of 500,000 yuan, hey, it's 500,000 yuan!" She couldn't help but emphasize the number of the second time, yes, of course, the money in our hands is not enough, but I have already discovered a pattern: there has always been a coefficient ratio between housing prices and people's income. Thinking back to the beginning of our first home loan of 75,000 yuan, I don't know how it will be arranged tomorrow, we are also stunned, but within three years I have already paid it off in advance, so if I can borrow within the scope of repayment, it is still a thing that increases in value and increases wealth; no, there is such a saying in the market: the rich take out loans, and the poor save. In fact, I have long analyzed that the economic growth mode of our country is actually four words: inflation. I think this is the difference between the angle and starting point of thinking about the problem, I still try to communicate my analysis results and ideas carefully with her, and I also hope that she can master some abilities in this area...... After buying the house, I began to arrange the renovation before May Day in 2009......

In order to save a little worry and effort, I asked her uncle's eldest son-in-law to arrange all the decoration things. Because the original yard was not fenced, it was given by the original owner to the neighbor next door for parking lot, and I did not know about it, and the seller did not inform me, but out of politeness and courtesy, I still greeted the new neighbor, and the result was dumbfounded......

"Hello, I am the new owner next door, my surname is Zhao, the decoration may have a little impact and disturbance to your home, we will ask the workers to work after working hours, in addition, there are two children in my house, for the sake of safety, my yard will be fenced along the middle line between our two families like other neighbors, please bear with me!", I took the initiative to knock on the door of the neighbor next door, and gave out a cigarette to its male and female hosts.

"You have installed the decoration, don't make noise until we have a break, but your yard can not be fenced wow, this place is the original owner Mr. Chen let our home for parking lots, you can't fence this one, our home wants to park the car, if you just install it, our urban management bureau will still come to demolish it." The other man's male owner wanted to shock me with a domineering official tone.

"I'm not here to ask for your opinion, I'm just informing you out of courtesy, I've already communicated and negotiated with the property management company about the relevant decoration arrangements; all the agreements and agreements before I didn't buy this house have nothing to do with me, which law gives you so much power to the urban management bureau?" Taking a step back, even if the official authority of your urban management bureau is so great, then you will come and tear it down after I am done, but I have to trouble you to first remove all the fences of all the owners in this community, and finally I will do it myself to dismantle my own fence, don't bother your urban management bureau, you can always do it?!", what I hate the most is this kind of little ghost who is not very official but bluffs people half to death, and I immediately gave him back without any politeness.

"Then if you do this, where will my car be parked?!", the leader of the urban management bureau said self-righteously when he saw that I didn't throw him any face.

"That's your business, it doesn't matter to me where your car is parked, I have no responsibility or obligation to solve your parking problem, I'm sorry, I'll leave first!", I said as I exited the gate of his house. It wasn't until a year later that his parents moved to Kunshan in July 2010, and he asked his unsuspecting father in the yard: What does your son do? My father told him truthfully: 10 years ago, he worked as a confidential secretary in ** for three years, and now he has opened two companies in Kunshan. I only heard the other person say, "Oh, no wonder!" and then left without saying a word.

In fact, there are opportunities in any crisis, you must try to broaden your perspective and angle, not only staring at the eggs in your basket, maybe look around and you will find that there is a nest of wild eggs in the grass on the side of the road!