"No kidding," Yang Fei took her hand away and asked, "What the hell is the matter with you?"

Chen Ruoling said: "One of my brother's holding companies is preparing to be listed on the NASDAQ. I was going to ask you some questions. ”

Yang Fei smiled bitterly: "Then you are looking for the wrong person, I really don't understand." I don't have a company listed, let alone in the U.S. ”

Chen Ruoling said: "At that time, you were in the United States." ”

Yang Fei asked, "Has your brother's company been listed?"

"It's not that fast, it's still being processed, and the procedure is very complicated. Chen Ruoling said, "The requirements of the NASDAQ are relatively low, and if it is the New York Stock Exchange, the conditions are even higher." The NYSE requires companies to have a net worth of more than $40 million, while the Nasdaq only requires $6 million. For this alone, the New York Stock Exchange has shut out most companies. ”

Yang Fei said: "Those who can be listed on the New York Stock Exchange are all large enterprises. ”

Chen Ruoling said: "When we were doing the IPO, we also considered the New York Stock Exchange, but after a little understanding, we retreated. The NYSE requires IPO companies to have pre-tax income of more than US$100 million and to be profitable for three consecutive years. And the Nasdaq only asks for $1 million. My brother's business falls far short of the requirements of the New York Stock Exchange. ”

Yang Fei said: "Being listed on the NASDAQ is also very powerful." ”

Chen Ruoling said: "In the future, your beauty group will definitely be listed on the New York Stock Exchange." ”

Yang Fei laughed and said, "Borrow your auspicious words." In fact, I am looking forward to the listing of Aiduo mobile phone company we cooperate with. ”

Chen Ruoling said: "Facts have proved that it is the right choice for us to cooperate with you, and the mobile phone license has exerted a strong earning power under your operation and management." ”

Yang Fei said: "For most Chinese people, mobile phones are still a luxury, and the real era of mobile phones has not yet arrived! ”

The two haven't seen each other for a long time, and they have endless words.

Yang Fei told Chen Ruoling that he owned a property in New York, and Chen Ruoling was surprised: "Although it is cheap to buy a house in New York, the annual cost is very high, and you have to pay real estate tax and other expenses every year. You don't live here all year round, isn't it cost-effective to buy a house?"

Yang Fei said: "The biggest difference between real estate in China and the United States is that the real estate in China is publicly owned, and after buying a house, we only have the right to use it for 70 years, while in the United States, it is privately owned and is a permanent property right. Once purchased, the house, the sky above the house, and the land below the house are all yours forever. ”

Chen Ruoling said: "You are talking about villas, right? ”

Yang Fei said: "Yes, if you want to invest, villas are the best choice." As for apartments, I only bought a few in the heart of Wall Street in New York, and I can also live in them for rent, and the return on investment is very gratifying. ”

"I've found that you have to put the word economy in everything. ”

"If you don't manage your money, your money won't care about you. It will make money, and it will have to be able to spend money. Many people earn the same amount of money when they are young, but in the end, some people become poor and have to rely on their children to support them, while others lie at home to collect money and live a good old age. ”

"Interesting. Chen Ruoling said, "It seems that I have to learn how to manage money from you." I've only learned how to spend money, but I haven't learned how to make money or save money. I often hear people say that the biggest gap between the poor and the rich is not in money, but in thinking, and the reason why the poor are poor is because they don't want money to give birth to children and children to give birth to money, but they will only cling to the money in their hands, and become a complete miser. ”

Yang Fei said: "Wrong, it's not that poor people don't want money to have children, but they don't know how to let money have children." ”

Chen Ruoling said with interest: "Yang Fei, if you write a book on financial management, it is estimated that it will sell well." You are a successful entrepreneur, and the financial management book you write is more valuable for reference. ”

Yang Fei had a flash of inspiration in his mind and said with a smile: "A book on financial management? To be honest, from the beginning of my business, I have been thinking about two words. ”

Chen Ruoling asked, "Which two words?"

"Rich and poor. ”

"Oh, what do you think?"

"Most of us are born poor. Some people say that they are rich for no more than three generations, and some people say that they will be rich for 30 years in Hedong and 30 years in Hexi. In particular, domestic education has little contact with financial management. Schools don't teach, and parents at home rarely teach. Unless parents belong to the very high 1% of the population, we ordinary families don't know how to teach their children about finances. ”

"I couldn't agree more. Even in my family, our financial management methods come from our own exploration, and our parents never teach us how to manage money. Other ordinary families, even less can teach. ”

Yang Fei said: "My view is that the poor and the rich have completely different views on money and wealth. The poor work for the money, and the rich let the money work for themselves. ”

Chen Ruoling was originally just a joke, but she didn't want to provoke Yang Fei's fierce ideological collision about poverty and wealth.

"Ruoling, in your opinion, what is a personal asset?"

"Assets? Well, houses, cars, factories, these are assets. ”

"I have a different opinion, I think that assets are what send money to your pocket. What is debt? Debt is something that takes money out of your pocket. The same houses and cars, some people bought them and got richer and richer, and some people bought them but were saddled with a lifetime of debt. ”

Chen Ruoling said: "According to what you say, our assets are only money?"

Yang Fei said: "No, money is not our real asset. Money is there, and it doesn't bring us benefits. Only by using our brains and using money reasonably and legally to make money can we generate benefits. So, strictly speaking, our only asset is our mind, which is the way of thinking. ”

Chen Ruoling supported her hand and looked at Yang Fei: "Interesting, in my mind, there seems to be lightning flashing, did I capture the most powerful note in the universe?"

Yang Fei smiled: "Don't make fun of me." Let me ask you one more question, how long would you survive if you stopped working?"

Chen Ruoling smiled prettyly: "I can live until you doubt life!"

Yang Fei smiled and said, "I shouldn't ask you this question, because your family conditions are too good." It is true that if you don't work, you can live well and for a long time. But what about people in general, especially the breadwinner of the family, how long will the family survive if he stops working?"

Chen Ruoling said: "For ordinary families, stopping work means having no income. How long they can live depends on how much they have in savings. ”

Yang Fei said: "Wealth is the ability to support a person's survival for how long. If a person does not have to work, but can live for a long, long time until he dies, and his assets can continue to generate money and benefits for him, then his financial management is successful. ”

Chen Ruoling's face became serious: "What you said, can it really be realized?"