Reborn, back to a small county town to become a wealthy family

Chapter 754 An Ying is not stubborn
"Hey, hey, what are you doing?"

When Luo Yang saw An Ying tie up her long hair and move closer to him, he was shocked by her thought process.

So, by doing this, you can win over the client and achieve your goal smoothly, right?

President An is methodical and thorough in his work; he gives first and then makes demands.

Luo Yang quickly gestured to stop him, then said, "You've ruined all the fun. Hurry up and get to the point."

An Ying looked at it carefully for a long time.

After confirming that Luo Yang wasn't being sarcastic, he then said, "According to the original plan, we would use a portion of the money Sequoia Capital invested in Lemon CC to expand our channels. This total amount of funds is around 1.7 million yuan. Now it seems that no more than 60% will be approved by the regulators."

No wonder you hesitated so much just now.

What does a gap of up to 40% mean?
It will cost approximately 7000 million.

"It's not that I'm reluctant to give up the 7000 million, but there's no need for it."

After gesturing for An Ying to sit back down, Luo Yang said, "These channels are currently only used by Hualong Spicy Strips. Chain coffee shops basically don't need them. In the past year, only the newly added tea beverage products have needed to use these sales channels. With you investing so much money all at once, aren't you worried about resource overload?"

Considering An Ying's pride, he did not use the word "waste".

"The shortfall can be covered gradually with the company's own funds, which saves money and achieves the desired effect of matching product sales."

This is Luo Yang's true thought.

For business owners, it's one thing if they don't siphon money into their own personal accounts, but who keeps putting money into their personal accounts?
Since starting his business, he first created a cash cow through sexy lingerie, but the funds generated in the early stages were all used to subsidize other places, including the establishment of a ready-mixed cement mortar plant and Nayuki milk tea.

When Qingqing Garment Factory was established and its earning power further increased, Luo Yang didn't know what he was thinking, but on a whim, he started getting into men's clothing.

As a result, all the profits from erotic lingerie were lost during that period, which even led to a cash crunch.

Once the other cash cow was established, a career-driven female CEO immediately appeared, pushing Luo Yang to expand and strengthen the milk tea industry. During the rapid expansion, a large portion of the profits were consumed.

The remaining profits did not all end up in Luo Yang's private hands.

Part of it was given to the group's investment department for investment projects, including the acquisition of Liang Yuxin's e-commerce platform company, which is now Pinduoduo; another part was given to Gray Rhino Capital as initial capital.

Luo Yang invested most of the money he received into miHoYo and Toutiao.

Fortunately, both companies were found in their early stages; otherwise, how could they have had enough of the ten million?

When his two cash cows were growing stronger, he had the unfortunate idea of ​​venturing into the new energy vehicle manufacturing industry.

This is a project that requires tens or hundreds of billions of yuan in investment, so they dare not waste the money from their two cash cows.

Until the headquarters building in question encountered problems ahead of schedule, causing Luo Yang's already tight budget to be used in a skewed manner, he even considered temporarily abandoning the acquisition of the headquarters building.

It was during that time that, through Liang Yuxin, he happened to learn about information from the crude oil futures market. This information connected with the information in his memory fragments, which led to his bold decision to trade US crude oil futures.

He's a multi-billionaire, but thinking about his life these past few years, it doesn't seem like it at all.

The Tomson Riviera apartment was acquired through a foreclosure auction. Yongcheng Bank provided a loan, with a down payment not exceeding 1000 million yuan. Apart from that, the only other property purchased in the previous three years was the one owned by Jiang Wen, which was not paid in full. Jiang Wen had to repay the remaining loan herself.

As for villas
The apartment in Songjiang was a gift from Fu Bin, while the Hongqiao villa was purchased in the name of the Sunshine Charity Foundation.

While there are tax considerations involved, it also reveals Luo Yang's financial difficulties, considering that the Sunshine Charity Foundation includes contributions from He Maosong, Liu Haishan, and Cai Fujun. In this light, Luo Yang's situation does seem rather meager.

The house was shabby, and so was the car.

He had previously given his father a Mercedes-Benz that cost over 600,000 yuan. Later, He Maosong and his colleagues pooled their money to give Luo Yang a Bentley because Nayuki's dividends exceeded expectations. After the group was established, the company bought a Mercedes-Benz.

Apart from that, Luo Yang doesn't own any other luxury cars.

Not to mention other luxury items, the watch was originally a gift from Jiang Fan and Liang Yuxin.
If it weren't for the fact that Hainan spent tens of millions to propose to Jiang Fan, which was a brief glimpse into his brilliance, the title of billionaire would really be somewhat mismatched with Luo Yang's.

That said, although I made a lot of money in the US crude oil futures market this time, a large portion of it has already been distributed.

Acquiring the headquarters building will cost at least 2 million US dollars; 8-10 billion US dollars will be reserved for investment in new energy vehicles; and no less than 5 million US dollars will be reserved for acquiring a controlling stake in a commercial bank and establishing its own financial platform.

When you have money in your hands, you naturally have more ideas.

Some time ago, Luo Yang mentioned making smartphones again, even if his ambitions weren't great, it would still be an investment of 5 to 8 million US dollars.

With the money, Pinduoduo needs to accelerate its expansion. Reserved 1-2 million RMB isn't much, and C-war also needs money to increase its user base during this period of growth. Reserved 5000 million RMB is barely enough.
All things considered, it comes to at least 24 billion US dollars, and more broadly, it could easily be over 30 billion US dollars.

If it weren't for the fact that Lemon CC could be sold next year, generating approximately 8 million US dollars in cash flow, and that Nayuki and Zhengyang Group, two cash cows, could cover some of the costs, Luo Yang would have had to halt his real estate development plans and the development of his cultural tourism group.

These two areas are the biggest expenses, especially for cultural tourism groups. If they want to quickly acquire land in scenic spots across the country and build high-end scenic areas and hotels, they shouldn't even think about it without tens of billions of yuan.

Moreover, this sum of tens of billions of yuan needs to be used to leverage projects worth hundreds of billions of yuan in order to achieve Luo Yang's plan.

Fortunately, the billions do not need to be taken out all at once, but investing one or two billion of their own funds every year for three to five years is still a considerable burden.

In addition, there are real estate development projects to be undertaken in two or three years.

He needs several hundred million yuan in start-up capital back in his hometown. He also needs to invest several hundred million yuan to cooperate with Fu Bin and others to develop some projects in small cities around Shanghai. All of this money will have to come from Luo Yang's personal pocket.

After all the calculations, it turned out to be a private treasury left for Luo Yang to manage on his own.
He wanted to keep some funds in the crude oil futures market because by mid-September, crude oil prices would rebound to their highest point before the end of the year, and he could easily make a profit by shorting the market.

Of course, that was also the last wave of profit he could make in the international crude oil futures market.

The fragments of memory contained no other related information. Even when Da Mao and Er Mao got into trouble later, he only knew that the international crude oil market was turbulent, but he didn't know the price points at several key moments like he did this time.

In the wave that followed in mid-September, Luo Yang still wanted to raise principal by launching a fund product through the Gray Rhino program, and also mixed in a small amount of his own private funds.

All these miscellaneous things, when taken together, can be summed up in one sentence.

Over the next six months, he will make a lot of money, but all of it has already been distributed, leaving not much for Luo Yang to use personally.

Mr. Luo will have to endure a period of "misery" for a while longer.

For example, if I had a private jet, I would be flying to the US next week.
However, a Gulfstream aircraft starts at 40 to 50 million US dollars, and considering the annual maintenance and upkeep costs, Luo Yang is actually a little reluctant to use it at this stage.

"Hualong Spicy Strips is now unable to even break even. The original reserve funds are less than 2 million yuan left. Sales have not shown rapid growth in the past two months, so we need to take money from other places to subsidize them."

An Ying didn't mention the money needed for the channel again, but her words implied that she needed money.

Moreover, judging from her eager movements, it seems that her desire to "bribe" the client has not been extinguished.

"Alright, I'll give you 40 million US dollars by September, is that acceptable?" After all, she was a trusted general with whom he had a close relationship, and he couldn't let her lose heart over a matter of tens of millions.

Upon hearing that she could receive an additional 1000 million US dollars in funding, An Ying's face immediately lit up with a smile.

That genuine smile is truly captivating.

Faced with such a smile, Luo Yang felt a little frustrated.

In An Ying's heart, he lost to his career.
An Ying had no idea that Luo Yang was drawing up such a grand plan, let alone that so much money would be needed over the next year or two.

All she knew was that her plan was financially secure.

With all her expected requests fulfilled, An Ying was in an extremely pleasant mood. At this moment, she even had time to reflect on her inappropriate behavior just now.

She took the initiative to pick up the wine bottle on the small round table and added some wine to Luo Yang's wine glass.

"Boss, I'd like to propose a toast to you."

An Ying said to Luo Yang sincerely, "I was wrong just now. I shouldn't have linked that kind of thing to work."

"Let me ask you a question before you drink this glass of wine."

Luo Yang pinched the stem of the wine glass with three fingers, rubbing it as he teased, "Are you sure you've finished discussing all your work matters for today?"

"We've finished talking, we've finished talking everything."

An Ying's cheeks flushed slightly, and she quickly replied, "I'll keep you company with whatever topic you'd like to discuss next."

I was originally going to use some manipulative tactics on her, but then I realized that there were hardly any women around me who could actually get things done, but there were several who could be seductive, charming, and ingratiating. So I gave up on that idea.

Luo Yang brought the wine glass to his lips, tilted his head back, and downed the wine in one gulp.

"Have you bought a house in Shanghai yet?"

After putting down his wine glass, he began to inquire about An Ying's private life: "The housing prices in Shanghai are not too high right now. Buying a place in a good location as soon as possible is both an investment and an improvement to your living environment."

An Ying's current pre-tax annual salary has reached 300 million yuan, and she also receives a year-end bonus. For example, last year, Luo Yang set a year-end bonus of 500 million yuan for her.

With her income, as long as she doesn't buy the most exclusive properties, she basically won't have any problem with not having enough money in other areas of Shanghai.

"I bought it, it's in Minhang."

An Ying replied, "It's a small three-bedroom apartment, bought last April."

Is your family short of money?

"No."

An Ying said in surprise, "Although my family isn't exactly wealthy, my parents' combined annual salary is over 200,000 yuan, and they have stable jobs, a house, and a car."

"Then why are you keeping so much money?"

Luo Yang's finger circled halfway around the Tomson Riviera apartment: "You were the one who handled the purchase of this apartment, so you know the situation. Even without going through a foreclosure auction, the market price per square meter was around 11 yuan. Now the price per square meter has risen to over 15 yuan, which means that in less than three years, I made over 1700 million yuan from this apartment."

For someone like An Ying, simply talking about improving her living conditions might not be enough to persuade her.

Do you think there's still a lot of room for housing prices in Shanghai to rise?

This woman, whenever she talks about business, unconsciously becomes obsessed: "It can't keep rising forever, can it? Besides, if the gap between the rate of increase in national income and housing prices keeps widening, the housing market will collapse sooner or later."

Do you like jade?

Luo Yang did not respond directly to An Ying, but suddenly changed the subject.

"what?"

An Ying didn't expect Luo Yang to suddenly switch the conversation from houses in Shanghai to jade. The turn of events was so abrupt that she almost didn't have time to react.

"I don't feel anything, do I?"

She thought for a moment, perhaps feeling that answering Luo Yang like that was too simple, so she added, "My mother seems to like jade. She wears a bracelet on her wrist, which I remember cost tens of thousands of yuan back then."

"It's probably a medium-quality icy jadeite bangle with floating patterns."

Luo Yang smiled and said, "From the late Qing Dynasty to the Republic of China and into modern times, the higher the quality of jadeite, the higher the price remains. Do you remember that high-quality icy green jadeite bracelet I asked you to bid on two years ago?"

Memories instantly resurfaced.

"I remember that bracelet cost 800 million!"

As An Ying recalled, she said, "I remember you said that it would be even better if we could get the imperial green jadeite, but unfortunately it wasn't available at that auction."

“In 2011, a glassy imperial green jadeite bracelet was auctioned at Christie’s in Hong Kong, and the buyer eventually spent 1 million to acquire it.”

As Luo Yang spoke, he lit a cigarette and looked at An Ying with a smile, saying, "The rarer something is, the more valuable it is!"

An Ying simply focuses most of her energy on her career; in terms of intelligence, she is far superior to Luo Yang.

"Boss, are you talking about jade, and also about houses, right?"

"That's right, I just wanted to use an indirect example to tell you a principle."

Luo Yang said slowly, "The price of ordinary houses suitable for the general public should be controlled, or rather, it should be linked to income. But at our level, we should all understand that a city must have irreplaceable cultural environment, natural landscape, and prosperous locations. This is scarcity. No matter whether the housing market collapses or not, the price of houses supplied to the top of the pyramid will not fall, and they will not allow it!"

"I think the part of your statement that we should pay the most attention to is the last sentence."

An Ying blinked rapidly, indicating her quick thinking; "Even if the price of top-tier properties were halved, ordinary people still couldn't afford them. Therefore, these properties would only circulate among people at your level. They can be regarded as assets and inheritance, supporting the price. Even if you put them in the bank as collateral, it would be more worthwhile than selling them at a reduced price. This is the mindset of the rich."

"So you can do some asset allocation."

Luo Yang then steered the conversation back on track: "Stocks, securities, real estate."

"That's something for the future."

An Ying smiled and said, "I don't even have 1000 million yuan right now, so what's the point of talking about asset allocation?"

Ok?
How did you suddenly become so smart?
(End of this chapter)