Chapter 80: Start Managing Your Money Today
β¦β¦ Stopping thinking makes one happy.
"Thank you."
Since the rough car still uses hand-cranked windows, on this old car with some problems with the internal mechanism, the pear wood can't shake the handle no matter how hard it is.
Gray-white clouds fluttered in the sky, and a drizzle of goose feathers broke into the car from the side of the window, hitting the side of the pear wood in a disturbing way. The gaps in the clouds gradually close, revealing a white expanse.
This is the spring rain cloud, it does not rain quickly, but it will rain for a long time...... The air suddenly became so cold. At this time, Mo Moxin leaned over and helped him close the window, and the whistling monsoon suddenly stopped, and the surrounding air quickly warmed up.
However, the head was clamped by a pair of **, which made Limu stop thinking, and it took a long time to reflexively say the two words "thank you" and then his thinking came to a halt again.
ββWhere did you just go?
"Why are you telling me this?"
- Oh, that's a gaffe...... Hey. How does this guy know what I'm thinking?
ββIs it true that my inner thoughts have already been expressed on my face?
Riki lifted her eyelids, which had drooped as she thought.
"I'm telling you this because you're a salaryman, I don't want you to work all your life to make a living, and I want you to understand the charm of financial management." He continued on to the topic he had just talked about.
He felt that he and this woman had a lot of sympathy, they were both store managers, and they were all about the same age. It's all working-class work. To put it simply, it is a person who can support himself and his family, has no hope for the future, and can only pin his hopes on his children. Now showing the charm of a financial planner to Mo Moxin is purely expecting her to give up her position as a store manager to help herself.
"In fact, each of us has been producing more than ten times more resources than we can feed ourselves all our lives, so why do we have to continue to work after producing enough shares?
"It's a bit deep, we'll talk about it next time." Limu ends with this as a bit of a long-line fishing for big fish.,Anyway, if you can't persuade once, you can persuade a second time.γ
"Tell me about it, I want to hear it too," said the driver's eldest brother.
It turned out that the driver had been paying attention to the situation in the back seat, and the "black brother" sitting next to him didn't chat with him, and he started listening to the aftertalk until the end of the world when he was bored. But the more he listened, the more irritated he became, but he couldn't help but listen, and the little boy had an opinion he had never heard of. But when I heard it carefully, I felt quite insightful, and my perception of the world was like a wellhead being chiseled open, and my world view was suddenly expanded to another width.
The driver's eldest brother looks to be in his thirties, and he should be a little older than Riki's actual age, whether he is slightly older or younger, Riki doesn't care about this title-
"It's going to be a long time if I talk about it, and I'm talking so much just to get her. But...... You can simply think about the next two questions: First, why do you drink more than a dozen pieces of Red Star Erguotou, and the gang above drinks thousands of pieces of Guojiao.
"Second, if other countries produce four million tons of rice a year, sell them for five cents a ton; China only produces 2 million tons of rice every year, and sells it for one dollar a ton. Do you buy Chinese or foreign rice, if you buy foreign rice, will China still produce it in the future? β
"This ......"
The first question is in ancient times, like why the slaves of the hard work dynasty worked day and night, and why the peasants of the feudal dynasty were starved to death after planting dozens of acres of land. The current situation is still the same, but just as the feudal era was better than the slave era, modern society also has its relative superiority.
Compared with the old times, the degree of exploitation is lower, and the means of exploitation are more hidden.
"Little brother, what should I do if the money can't be deposited in the bank?" After listening to the previous words, the driver's eldest brother has been thinking about this problem.
ββThat's a good question, this driver is really good!
"Mo Moxin, if it's you, how do you solve it?" Riki slowly turned her gaze to the left and threw the driver's question to her female companion.
"The easiest way is to buy gold, the price of gold will increase with inflation, and as the common currency of human history, it will never depreciate." Mo Moxin cited the simplest and most effective way to save money.
"Gold, the symbol of the chemical element AU, is lazy, corrosion-resistant, does not combine with other elements, and will not be broken for tens of millions of years, and is the best general equivalent. But buying gold is not the right way to go. Regarding Mo Moxin's statement that he bought gold to preserve its value, Limu has a different opinion.
"Like the currency secretly printed by the state, in fact, a small batch of gold is mined every year, in other words, gold is also slowly depreciating, and now the slow rise in gold prices is just an illusion of 'micro-communication', and there will be a day when the price of gold will collapse in the next few decades. If in another 100 years, human beings will go to space and discover new heavy metal mines, perhaps gold will become as worthless as dirt, and may even be less valuable than soil, at least the soil can be used to grow crops. β
The gold of the lazy surname is not active at all, and it is likely to exist in large quantities on other planets, and even if it is combined with other elements, humans will find a way to use "alchemy" on this combination. In fact, there is a large gold mine in Ghana, and Chinese people can dig up 500,000 yuan in three years to pan for gold there. After earning the first pot of gold, gather people to dig it, or come back to do other business.
Historically, there has been a collapse in gold prices in 2013. The owner of the gold sold a lot of gold cheaply, and the mainland aunt went to Hong Kong to sweep the gold jewelry after sweeping the mainland, so that a friend of a certain parliamentarian could not afford to buy a dragon and phoenix bracelet to make a love token for his partner.
"For people who only work to earn money and don't have time to invest capital, buying gold is indeed a better choice for depositing in a bank. Mo Moxin, isn't it easier to do it? Limu didn't completely reject Mo Moxin's proposal, narrowed his eyes and continued to ask her.
"There are many types of investments that can be made with money for venture capital, with great returns and corresponding risks." Mo Moxin's face tensed as if she had been deeply shocked.
The answer is extremely concise, you can't say that she is right or wrong, this time the answer is very smooth, you can't see her depth, but Riki doesn't care at all.
"Hahaha, that's really a general statement." He laughed; "You don't need to take risks to help me do things, you are the person I fancie, I think you have the ability, you have the ability, so I only have to pay for it, you just have to help me do things. It is my responsibility to do the wrong thing, and if I fail, I will still give you a salary, according to the double salary you are now paying; It's your ability to do well, and if you succeed, I'll give you a generous bonus, depending on my mood. β
ββ¦β¦β
The bonus actually depends on the mood, and in some respects it is really quite domineering. However, the salary is double now, which sounds exciting, and it is about five or six thousand yuan if you calculate it. (Ordinary employees are 1500~2000, the store manager's salary is 2500~3000, and the floating performance appraisal is attendance, bonuses, etc., and the store manager's work is more than that of ordinary employees: management, statistics and reporting.) οΌ
Riki, who has experienced a lifetime of life, can't help but sigh.,Throughout his pursuit of comics, although he has never stopped.,But in detail, he has never really pursued an ideal.,It's close to death when it's depressed.,The heart part seems to be as uncomfortable as empty-
"When a person reaches thirty, he does not fight for his ideals once, and when he dies of old age, he is like a lost dog and is depressed. Wouldn't it be great if I would give you the opportunity to earn enough money to retire at the age of 35 and pursue your ideal in life.
"I'm not asking you to be a financial planner, but I'm begging you to be my financial planner." Riki admonished.
"Okay." Unexpectedly, Mo Moxin agreed to come down.
She looked at Riki with a puzzled look, and just pushed the glasses on the bridge of her nose with a straight face.
(I don't know why I always have an inexplicable sense of trust in him, so I ...... I agreed to it all at once. She remembered that she had agreed to bring Limu into the computer room for similar reasons.
"Little brother, why don't you think about me too?" The driver's eldest brother pointed to his nose and recommended himself untimely.
"Big brother driver, please hold the steering wheel and don't take your eyes off the front." Riki made a sweat-wiping motion, but it was a matter of heart, and today he was in a good mood and said to him: "I'll tell you a string of numbers, if you remember it in two years, then call me according to the first four and last three of the numbers." β
The phone number is Riki's own landline number. After making money, under the pressure of his grandmother, he set up a number for his family, occasionally contacted the Shangguo Publishing House, and usually used it to make phone porridge for his mother and her classmates.