"Hi Charlie, I've got a new one in trouble. I want to go to the bank to borrow some money, what should I pay attention to? After connecting the phone, Liu Yunxuan asked.

"Don't pay attention to it, provide the bank with proof of your assets, purpose, and your expected repayment plan. They will be happy to lend you money. ”

"Although you have only recently arrived, the ranch you have purchased is fully paid. And now we are doing the certification of organic vegetables. If you can wait until the certification of organic vegetables comes down before taking out a loan, you will borrow more. ”

Charlie explained on the phone.

Liu Yunxuan didn't expect that it would be so easy to take out a loan in the United States. He is still very impressed by the rejection of his loan in China. In fact, this is because he does not understand the American loan system at all. A rancher like him, who has no arrears in the bank, is a good customer.

Banks are very welcome to borrow from these customers. But if you have a low credit rating, then it will be difficult to get a loan.

"By the way, what are you going to take out a loan for? Do you want to buy some cattle for your pasture? Charlie asked.

"No, I'm looking at a lot of cow manure in the pasture, and the organic vegetables I grow also need organic fertilizer. I just want to put this cow dung to use. I'm planning to buy a small feed mill and I'm going to need a loan of about $30,000. ”

Liu Yunxuan explained on the phone.

Charlie was silent on the other end of the phone for a while and said, "This loan amount should be fine, but I suggest that you find an accountant to help you deal with tax issues." If you don't deal with it, you will pay a lot of taxes in the future according to your current situation. We can't afford to be cheap. ”

Liu Yunxuan only appeared after Charlie's reminder, and he really didn't notice this problem. I've heard before that the U.S. government's taxes are ruthless, and after coming here, I'm so busy that I really forgot about it.

"Charlie, really appreciate the reminder. This will save me from big trouble in the future. Do you have any people to recommend? Liu Yunxuan asked on the phone.

"You can entrust it to an accounting firm, which has the advantage of being less expensive. You can also hire a dedicated accountant, which has the disadvantage of being more expensive, but he can help you think of a lot of problems in advance and help you deal with them. Charlie said on the phone.

"You better help me find an accountant" Liu Yunxuan thought for a while, his career will gradually expand in the future, and it should be much more convenient to have a full-time accountant to help him take care of it, "By the way, help me hire a fertilizer factory director, I don't want to be chained to the factory every day." ”

"Well, my brother, no problem. Will definitely help you find the best candidate. "Charlie has always dealt with the business side of things. has his own connections, besides, Liu Yunxuan's current company affairs are not very big, so he agreed.

"Thank you so much for having the opportunity to play on my ranch." Liu Yunxuan invited on the phone.

"Damn, I'd love to go too, but I've been given too much work during this time." Charlie complained on the phone.

Liu Yunxuan listened to Charlie's complaint on the phone and laughed. He still remembers the first time he met Charlie, he complained that he was busy with work and had no time to rest. Then he complained about the economic downturn, the lack of business, and the fact that his income was much less. I really don't know what kind of thinking Americans have.

Ending the phone call with Charlie, Liu Yunxuan breathed a sigh of relief. It seems that we should think more about it in the future, because the United States is different from China in many aspects.

It seems that we can contact the Powell Brothers feed mill first.

Follow Alan to the feed mill. The location is really nice, just north of town. It's not very far from your own pasture, and it's easy to transport cow dung in the future.

In front of it is a small two-story building, which should be used by the feed mill for its usual office. At the back of the small building is the factory roof, which is much higher. Next to the factory building, there is a long warehouse. Some are closed, some are open, and inside are some of the raw materials used to produce feed.

If I didn't hear the sound of the machine running, it should have been discontinued. Seven or eight workers gathered together and glanced at Liu Yunxuan and them from time to time, and it seemed that they already knew that the boss was going to sell the factory.

"Alan, you're welcome." Powell walked out of the small building, gave Allen a hug and said.

Alan briefly greeted Powell, pointed at Liu Yunxuan and said, "Powell, this is my neighbor, the rancher of the pastoral ranch, Liu, he is very sincere in buying your factory." ”

"That's great, can I show you around the factory?" Powell asked Liu Yunxuan.

"Mr. Powell, let's just take a look." Liu Yunxuan said politely, after all, he had to pay $250,000, so of course he had to take a good look.

Powell led Liu Yunxuan around the factory. The machine qì is also fine, and I also put some materials into it, and tried to run it.

Liu Yunxuan is most satisfied with those big warehouses, so that his cow dung will not have to worry about the place.

"Okay, Powell, I'm satisfied, we can talk about the price." After the visit, Liu Yunxuan said to Powell.

"At the beginning, the cost of building a factory and buying a machine was also very high, and I invested more than 30,000 yuan in this factory. I won't hide it from you, my feed formula is poor, and my business is not good, so I plan to sell it. The price in my heart is $250,000, and the entire feed mill and three transport vehicles belong to you. ”

Powell paused and said, "If you don't fire these workers, we can negotiate the price." "Powell can't do anything about it, unless he declares bankruptcy, or if these workers don't deal with it, the union is not a vegetarian.

"How about $20,000 if I take all of these workers?" Liu Yunxuan will not let go of the opportunity to bargain.

Powell's face was a little ugly, "Mr. Liu's price is too low, see if it can be higher." ”

"Mr. Powell, I took in these workers, but I helped you solve a ** annoyance." Liu Yunxuan thought about it for a while, and he was really ruthless in bargaining, cutting off one-fifth of it at once, "That's it, I'll add another 15,000 US dollars." That's the highest price I can afford. You know, I'm going to do organic fertilizer production in the future. The equipment had to be re-maintained, and the workers had to be retrained. ”

"Okay, when can we sign the contract" Powell thought about it and accepted the price. His factory had been shut down for more than a month. If it drags on any longer, there will be no money to pay the workers.

"My lawyer will only have time the day after tomorrow, how about we sign the contract the afternoon after tomorrow?" It's not that Liu Yunxuan doesn't want to sign it quickly, but he has no money in his hand, and the bank's loan hasn't been run yet, so Charlie will bring the accountant over this afternoon.

Charlie said that the loan will not be very troublesome, and the loan will be disbursed quickly, and it should be enough to set aside three days for yourself.

Walking out of the factory, the workers outside all gathered around. They also want to know the results.

"Brothers, this Mr. Liu will be the new owner of the factory in a few days. And he will receive you. Powell looked at the workers who were gathered around, and quickly said, he was afraid that these people would cause something unpleasant.

When the workers heard Powell's words, they all shot their eyes to Liu Yunxuan.

"Yes, brothers, I've already talked to Powell, and we'll sign the next afternoon. When the time comes, we will receive you all. Of course, I will change production after I take it, so I will train you at that time. Only after passing the post will you take up the post. ”

Seeing that the workers could only take up their posts after hearing the training, their faces were not very good, Liu Yunxuan continued,

"I plan to produce organic fertilizer, which is similar to the production of feed, but some standards are higher. When the time comes, everyone pays more attention to what is completely competent. ”

Liu Yunxuan is very welcoming to these workers, these are old workers, and they are also familiar with factories and machines. It's better than hiring new workers yourself.

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