On the evening of May 19, 1974, in order to solve the employment of Li Ping and Liu Fang, we hosted a dinner for Dr. Zeng Chunzheng's family.

Everyone knew each other, and there was not much chatting, and the food and drinks were all ready.

So, everyone sat down and prepared for the feast, Li Ping and Liu Fang poured tea and water for everyone, and Xiaoda and I poured red wine or white wine for everyone.

I raised my glass and said, "Today, we can invite Sister Avon, Professor Zeng and other families!" We feel very honored! We salute you first! I wish you good health, happiness and prosperity in your family! ”

After everyone drank, they began to eat and chat.

Professor Zeng said: "Ah Cai! From now on, you can call me Uncle Zeng! I know you must have something to do for you, let me help you! Just say it, as long as I can do it, I will not postpone it! Actually, I want you to do something for me! Let's talk about it first! ”

I said, "Uncle Zeng is like a god!" I do have something to ask for! Li Ping and Liu Fang are my colleagues in Saigon, and they used to work as secretaries in the authorities' departments! There is no problem with English, typing, etc., and I am very familiar with the rules of the department! We read the newspapers and know that your financial department has been recruiting civil servants recently, Uncle Zeng, can you help the two of them to serve in your department? ”

Professor Zeng smiled and said, "Ah Cai! This is a small thing! As long as they can pass the interview and assessment of our HR department! I guarantee that they will be able to take up civilian positions in the Financial Reform Division of the Financial Secretary! Recently, under my leadership, a development plan to stabilize and develop Hong Kong's financial and economic markets is being launched, and we want to attract capital into Hong Kong City, invest locally, and stabilize the financial and economic markets. According to what we have, a large amount of money from your South Vietnamese state is pouring into the port city recently! One of our goals is to attract these funds! ”

I said, "Really?!" If Uncle Zeng can help arrange the work of my two sisters! I'm going to try to get you guys to sell this business! ”

Professor Zeng smiled and said, "Good! That's it! You help us sell our business, we won't let you do it for nothing! We'll give you a great commission! After eating, I'm introducing you to our investment plan and business content! ”

Because Professor Zeng had something to talk to me about, after everyone had eaten about the same, Li Ping, Liu Fang, Zhou Xiaoming and others accompanied Aunt Zeng and David Zeng to play mahjong and chat.

Xiaoda, and Zeng Yafang and I went to the small living room with Professor Zeng to drink coffee and talk.

Professor Tsang said, "In fact, the authorities, like a family, must have an income to continue operating!" It's just that the authorities have more people to feed! In order for the Hong Kong government to get a lot of money! Recently, under my leadership, a fiscal composite bond was launched! The key to this plan is property appraisal, mortgage, and the same amount of gold reserves to buy US dollars, and then use US dollars to buy financial composite bonds! In this way, the public can get the ** comprehensive bond through the mortgage of the property! This type of bond has a two-year maturity and pays the bondholder a coupon rate of 10.5% per annum! After maturity, the authorities give the bondholder a lump sum cash equivalent in US dollars according to the face value of the bond! Then, the bondholders use these funds to purchase the same amount of mortgaged gold at the market price and return it to the Financial Secretary, redeeming the mortgaged property! That's the end of the process! That's the basic thing! ”

I said, "Uncle Zeng! Isn't the property worth a lot of money now?! Will this be able to sell a large number of bonds? ”

Professor Zeng said, "Yes! The current price of the house price is not in the market! The actual price is really low! However, after these properties arrive at the Financial Secretary, they are appraised by the Financial Department's asset appraisal department, and the valuation result is definitely much higher than the market price! In this way, can these properties be exchanged for more mortgage gold and dollars?! Invisibly, their property has appreciated in value! Do you understand? ”

I said, "Oh, that's so!" I see! The process of this is that the person holding the bond borrows the gold reserve of the Financial Secretary through the mortgage of the property, and then uses the gold to buy dollars, and then uses the dollars to buy bonds! Is that so?! ”

Professor Zeng smiled and said, "That's right! That's it! ”

I said, "If, after two years, the price of gold does not change, it will be equivalent to the bondholder getting an increase in interest and property appraisal!" However, if the price of gold rises, bondholders will have to spend more money to buy gold in order to redeem the mortgaged property! Isn't that a loss? How dare someone who is so worried do this kind of business?! ”

Professor Zeng smiled and said, "Ah Cai! You didn't study finance though! However, the talent is very good! You can see the problem! Here are two questions! One is that the property is not mortgaged to us, which is equal to the value of the property is zero! The owner of the property is equal to no income at all! Second, after two years, will the price of gold rise or fall? Through scientific analysis and prediction, we believe that with the end of the Vietnam War, the world currency is about to enter a tightening cycle, the currency circulation will decrease, the currency will appreciate, and the price will fall! As currencies rise, gold prices fall! Now, of course, we can only predict! However, the probability of this happening is very high! Do you understand? ”

I said, "Oh! That's a brilliant statement! I understand! If the other party only has gold and dollars, will they be able to buy such bonds? ”

Professor Zeng smiled and said, "Of course! Ah Cai is so smart! Such a person is even simpler for the person who buys the bond! However, you have to tell the people who want to buy the bonds that we have a very limited number of bonds to issue this time! It's sold out and gone! ”

I said, "Uncle Zeng! I see! I'm sure I'll be able to convince a lot of people to buy this bond! We want to start this business tomorrow, may I ask, what is our commission percentage? ”

Professor Zeng said, "We will give you the highest commission range!" You will be paid a commission of 15% of the value of the bonds you trade, and the commission income is tax-free! ”

I said, "Great! When is it better for us to start this business? ”

Professor Zeng smiled and said, "You can do this business tomorrow morning!" Tomorrow morning, you bring Li Ping and Liu Fang over! I asked my people to take them through the formalities! I'll apply for a part-time bond salesman certificate for you! In the meantime, I'll teach you some basics about bonds! ”

......

At 9 p.m., our conversation with Professor Zeng ended.

Li Ping's mahjong game is also over, Zhou Xiaoming won more than 500 US dollars, Li Ping and Liu Fang each lost more than 1000 US dollars, Zeng David is a master, he won more than 1500 US dollars alone.

Since none of them brought cash, I helped Li Ping and Liu Fang pay their $2,000 gambling debt!

In this way, Zhou Xiaoming and David Zeng shared the money!

After Xiaoda went to check out, the Zeng family happily left first.

After we checked out at the restaurant, we also made a jeep and went home, and I only had $2,900 left in cash!

On the way home, everyone was talking!

Zhou Xiaoming said happily: "Alas! I'm so happy to have this dinner today! Recognize the Shanghai folk! Also won more than $500! ”

Liu Fang said: "Alas! Ahh I'm sorry! The two of us are too lucky! ”

Xiaoda smiled and said, "Alas! I've seen your cards! You really don't know how to play cards! David Zeng and Zhou Xiaoming have been practicing this thing since they were children! You two raw melon eggs! How can you win the money of the two of them old fritters! ”

Everyone laughed!

I said, "Alas! In the future, gambling is not a good thing! This kind of thing, everyone should not stick to it in the future! It's the same end when a master meets a thousand! It's business today, and I blame you! ”

......

At about 10 o'clock in the evening, after returning home, I reported the results of the negotiation with Professor Zeng in the living room.

Then, I asked Li Ping and Liu Fang to go back to the room to prepare for tomorrow's job interview and exam.

So, Li Ping and Liu Fang went upstairs and went back to the room.

I, Xiaoda, and Zhou Xiaoming continued to discuss business sales in the living room.

I said, "Starting tomorrow, we're going to help the Financial Secretary to sell bonds!" Zhou Xiaoming is on duty at home, helping me and Xiaoda answer the phone, make a record when there is a call, and report to me! Tomorrow, Xiaoda and I are going to sell bonds in the city! ”

Zhou Xiaoming smiled and said, "Okay! Answering the phone is my forte! Just remember to give me the money! ”

I smiled and said, "Okay! Xiaoming, anyway, your requirements are not high! We'll be able to satisfy you! ”

Xiaoda said: "Ah Cai! You can't mortgage our three houses to buy bonds! ”

I said, "Xiaoda! You guessed it! Tomorrow, I'm going to use them as collateral to buy bonds! I believe in Professor Zeng! They are well designed and analyzed correctly! It's a waste to leave these houses in place! I'm sure we'll make money and won't lose money! ”

Zhou Xiaoming said: "Alas! Ahh People who engage in finance are liars! How can you trust Old Man Zeng?! In case they help us cheat out of three houses! In the future, where will we live?! ”

Xiaoda smiled and said, "It doesn't matter! When the time comes, we will find a city to live at the bottom of an overpass, and Ah Cai and I will let you sleep in the middle! What do you think?! ”

Everyone laughed!

I said, "Xiaoming! If Professor Zeng is doing this business for me alone! Your analysis may be correct! However, this is a public bond issued in the name of the authorities! This bond is for all citizens who can afford it! Therefore, I don't need to worry about the bond being a scam! Of course, if you want to make money, you have to rely on the results of the market operation in the future! ”

Zhou Xiaoming said: "Oh! Ahh You are a very cerebral person! You should be able to understand a lot of advanced questions! Well, actually, if you think about it, just do it! However, be sure to leave us enough money for meals and daily expenses! Do you understand? ”

......

Yes, among these people, Xiaoda knows me the most and believes in me the most, and he always stands with me unconditionally at critical moments!

......

At 8 o'clock in the morning on May 20th, after we had breakfast, Li Ping and Liu Fang put on the new clothes they had just bought, and they looked very pure and tidy!

Each of them carried a very elegant handbag, in which they put their documents, money, and cosmetics.

In this way, they are the same as the young professional women in Hong Kong City!

Xiaoda and I carried documents, weapons, cash, and briefcases containing the title certificates of our three houses.

After the four of us gathered in the courtyard of the Magic Star Villa, we all got into the car together, and Xiaoda was responsible for driving the jeep to the office building of the Financial Secretary.

At 9 a.m., we arrived at the Financial Division's parking lot.

After parking our vehicles, we entered the Financial Secretary's office building through the building's security check and visitor registration.

The four of us met Professor Zeng and his assistant in the lobby on the first floor.

Professor Zeng asked his assistant to take Liu Fang and Li Ping to interviews and exams.

Professor Tsang took Xiaoda and me to the financial trading hall of the Financial Secretary.

Professor Zeng smiled and said, "Ah Cai! Don't you have three houses? Have you brought all your real estate documents and other documents? ”

I said, "Professor Zeng! I've brought them all! ”

Professor Zeng said: "Ah Cai! Now, there are not many people, so hurry up and go to the queue to go through the formalities and buy bonds! Property appraisal, mortgage borrowing, dollar exchange, bond purchase, and more are all done! Then, come to my office! I'll help you get a salesman's certificate! ”

After Mr. Zeng told us the location of his office, he went to his office.

We saw it on the trading floor.

At this time, it is already crowded here, and many of the people in it we know, and they are all well-known figures who often appear in newspapers and television!

So, under the guidance of the staff, we handed over our three property documents and ID cards to the appraiser of the "Property Appraisal Office" for appraisal.

They assessed that each house was worth $4 million!

Oh my God, they gave us an estimate based on the property prices in the middle of Hong Kong Island!

This brings the total price of our three homes to $12 million! Xiaoda and I were indeed shocked!

We mortgaged three sets of properties worth US$12 million to the Financial Secretary at the "Mortgage Loan Office", and borrowed 82,758.6207 ounces of gold from the Financial Secretary's reserve gold at the market price of US$145 per ounce!

Here we got two documents, one is the "house and land mortgage certificate", and the other is the "mortgage loan 82758.6207 ounce certificate", both of which have the principal and vice sides, and they took away the title deeds and property ownership certificates of our three houses.

We sold all of our borrowed money at the then market price of $195.15 at the "Gold Exchange and Purchase Bonds" and obtained a financial composite bond with a face value of $16.15 million, which stated a two-year maturity from May 20, 1974 to May 20, 1976, with an interest rate of 10.5% per annum!

In addition, they have helped me deposit this bond into my Zhou Zilong UBS account, and these bonds will be automatically paid and cashed out at maturity, which is really convenient!

In this way, we have $1,695,750 in interest every year, and after paying the interest, we really don't lack money!

After we finished our work, we put the house and land mortgage certificate, the mortgage loan certificate of 82758.6207 ounces, and the certificate of 16.15 million US dollars of financial comprehensive bonds into my briefcase.

Xiaoda smiled and said, "Ah Cai! The process is amazing! Let's hurry up to Professor Zeng's office and apply for a salesman certificate! The whole business is definitely easy to do! ”

Xiaoda and I found Professor Zeng's office according to the location he had described.

On the door of Professor Tsang's office hangs a sign of the Financial Secretary's "Office for Financial Reform", where Professor Tsang Chun-cheng is the director.

Director Zeng was very happy to see us, he let us sit down on the sofa in the office, ordered us coffee, and talked to us.

I smiled and said, "Director Zeng! Today, our trading is too successful! Thank you for the opportunity and guidance you gave us! ”

Director Zeng smiled and said, "Alas! You've seen it a long time! In the future, don't call me director and professor! Call me Mr. Zeng! It's a little more affectionate! ”

I said, "Okay! Teacher Zeng! We are now very confident in this business! You apply for a salesman's certificate for us! ”

Teacher Zeng said, "Okay! I'll call my assistant, Minister Smith from our business department, right away! They take you to **** and explain some of your business skills! ”

Teacher Zeng made a phone call in the office.

Soon, a tall British man in his twenties came, he was more than 1.8 meters taller than me!

However, this man is a very pure foreigner, he only speaks English!

After Mr. Zeng explained the matter to Smith, he took us to the office next door to Mr. Zeng to handle salesmen for me and Xiaoda.

There, the staff asked me and Xiaoda to fill out forms, take photos and take fingerprints.

Finally, we signed the "Bond Agency Sales Contract" with the Financial Reform Office of the Financial Secretary.

They gave us the "Financial Business Liaison Certificates" of Zhou Zilong and Zhou Zisheng, and affixed our photos and fingerprints to the certificates, and affixed the steel seal of the Financial Reform Commission of the Financial Secretary.

In order to facilitate the statistics and settlement, Xiaoda and I share a business group number, a commission collection account, and the account is Zhou Zilong's UBS account.

Smith handed us the documents and the materials of several Treasury Composite Bonds.

Smith smiled and said, "Two Mr. Zhou! Now you're our official salesmen! Do a good job! We give you a tax-free commission of 15% of the face value of the bonds you sell! You bring customers, please register your salesman number at the front desk of the trading center! Your commission is settled on Sundays! Automatically remit to your receiving account! Your receiving accounts are all UBS accounts of Mr. Zhou Zilong! All right! I wish you all a fortune! ”

After we finished our work in the business department, we returned to Mr. Zeng's office.

Teacher Zeng smiled and said, "Ah Cai! You've all done well today! Li Ping and Liu Fang have passed the interview and assessment of the personnel department of the Financial Secretary! Tomorrow at 8 a.m., they can come here to work! Now, they are waiting for you in the lobby on the first floor! Go back first! Remember, help me get my business up and running as soon as possible! ”

I said, "Okay! We will work hard! Never disappoint Mr. Zeng's expectations! ”

Xiaoda and I left Mr. Zeng's office with our briefcases, and we took the elevator downstairs.

We met Li Ping and Liu Fang in the lobby on the first floor, and they excitedly showed us scissorhands!

Yes, we have another small victory!

We confidently walked out of the Finance Building, got into the parking lot, and drove back to the Magic Star Villa.

......