Starting with a fully invested A-share portfolio to become a capital...

Chapter 112 The Dirtiest and Most Evil Group

Jiading District, Shanghai.

Used car market.

With Xu Zhirou driving and leading the way, Zhang Yang found Chen Yunda, the car dealer who bought Xu Zhiruo's Maserati, without much effort.

The other person was wearing a custom T-shirt with the words "Huixing Used Cars" on it and was eating watermelon with several apprentices in the lobby area of ​​the car dealership, with an industrial fan blowing cool air next to them.

"Watermelons from the south ripen quickly and are very juicy, but the downside is that they are not sweet enough and the temperature difference between day and night is not large enough."

"Master Chen knows all this?"

"Master Chen is cultured!"

“You’re new to this industry and haven’t heard of Master Chen’s story. Before he started working with used cars, he was a medical student.”

"Studying medicine?"

"Being a doctor is a promising career, why did you quit?"

Chen Yunda swallowed the last bite of watermelon, seeds and all, and said, "Being a doctor and dealing in used cars are the same; both require observation, listening, questioning, and palpation. Look at me now; just by touching the carbon buildup in the exhaust pipe at the back of a car, I can roughly deduce what problems it has."

He did work as a doctor, but only as a village doctor's apprentice in his hometown. He ran away because the old village doctor used too strong medicine, fearing something might happen, and came to Shanghai to continue his struggle.

Fortunately, he was lucky enough to be born during a period of rapid economic development in China, during which the number of used car transactions surged in the past decade.

"Are you open for business?"

Zhang Yang led Xu Zhirou into the hall.

"We're open for business. What kind of car do you want to see?"

"What's your budget, bro?"

A car dealer quickly got up to greet them.

Chen Yunda recognized Xu Zhirou the moment she walked into the hall. After all, with the labels of young, beautiful, and rich, it was impossible for him not to remember her.

"I'm looking for Master Chen."

Zhang Yang looked at Chen Yunda, who was still sitting, and then said, "My friend sold a Maserati here a while ago, and now we want to buy it back."

"Here to redeem the car?"

"Master Chen, you're a customer."

Several car dealers looked at Chen Yunda.

Chen Yunda wiped the watermelon juice from his mouth with his collar, stood up and said, "The car is with the rental company. How much are you asking?"

Luxury cars depreciate every day after they are bought. In order to squeeze out as much of the remaining value of the vehicle as possible, used car dealers often put the car in luxury car rental companies before they are sold, and can earn a couple hundred yuan a day.

"Can you pay in installments?"

Zhang Yang asked a question first.

"Of course." Chen Yunda was eager for customers to pay in installments because he could earn kickbacks.

What is the maximum installment plan?

"It seems to be issue 60."

"Then let's divide it into 60 installments."

After confirming the installment plan, Zhang Yang asked, "Now let's get back to the car price. If we sell it for 115 million, how much would it cost to redeem it?"

"130."

Chen Yunda blurted it out.

"115."

Zhang Yang immediately slashed the price back down, which made Chen Yunda quickly wave his hand and say, "No, no, 115 million is definitely not enough."

"but!"

Suddenly, he changed the subject and said, "Considering you're applying for installment payments, how about this: 125 million, let's compromise."

"117."

"We can only offer a discount of 1, making it 124 million."

Zhang Yang was too lazy to argue with the other party and stated his desired price: "120 million. If that's not enough, we won't redeem it."

"Go, go, go."

Fearing that Zhang Yang might change his mind, Chen Yunda immediately settled on 120 million, saying, "However, the annual interest rate for 60 installments is 7%, and you also need to pay 30% upfront. I'm letting you know this in advance to avoid any disputes later."

"acceptable."

Zhang Yang nodded and said.

120万的30%首付款是36万，还钱60期车贷要到2014年，这时候的陈运达不会想到，现在的120万，可比2014年以后的120万加利息有价值多了。

Why is it often said that those born in the 60s, 70s, and 80s have all benefited from the dividends of their era?
Taking the age of 20 as an example, for those born in the 60s, 20 years old was between 1980 and 1989. The benefit of this period was the reform and opening up, which brought about rapid economic growth, and business could lead to sudden wealth.

Those born in the 70s (between 1990 and 1999) were born during the period when the capital market began to develop. Even without investing in stocks, they could ride the wave of foreign trade and real estate, and could also make early investments in the internet sector.

The generational dividend of the post-80s generation was undoubtedly the manufacturing boom brought about by China's accession to the WTO. Countless small factory owners stood at the forefront of the times and made a fortune.

The past 30 years of rapid development have presented countless opportunities, but after 2014, or more precisely after 2012, the economy began to turn downwards. The landscape of the next decade will no longer be about new growth, but about a zero-sum game.

2014年的300万与2009年的100万，张扬会毫不犹豫选择2009年的100万，不仅是存在货币贬值，还有时代机遇。

Car dealers see the total amount of money that comes with time, while Zhang Yang sees the monetary potential and inflation within the context of the times.

……

After agreeing on the details, the contract signing went very smoothly. However, to Zhang Yang's surprise, the staff member who came to collect the car loan application materials was Li Lechen from the auto finance company who had been running errands for him.

"Mr. Zhang, you bought another car?"

The other person couldn't help but exclaim as soon as they met.

A few days ago I bought a Mercedes-Benz S600, and now I've bought a Maserati Quattroporte. Is this how simple and unpretentious the lives of the rich are?

The moment Xu Zhirou heard the word "again," her little mind instantly conjured up a multitude of melodramatic scenes from Japanese and Korean soap operas, and she looked at Zhang Yang's profile with disdain.

"Scumbag!"

"I wonder how many women he's tricked into selling their cars and houses, emptying their savings. God! How can there be such a wicked person in this world?"

"Finance guys are all scumbags!!!"

Zhang Yang didn't have mind-reading abilities, but he didn't know what Xu Zhirou was thinking. He smiled faintly and replied to Li Lechen, "This car belongs to a friend."

Upon hearing the word "friend," Li Lechen glanced at Xu Zhirou beside him and instantly understood. At the same time, he couldn't help but envy the rich. They could give away cars worth millions of dollars so easily, while he couldn't even bear to eat a 100-yuan KFC.

"Ugh!"

"Why am I not a rich person?"

Li Lechen sighed, and after briefly adjusting his mindset, he looked at Zhang Yang and said, "If it's Mr. Zhang, there's no need to submit the documents again. Our company already has a record, and the loan can be disbursed next Monday."

He said this to Zhang Yang, but also to Chen Yunda.

Hearing the respectful tone of the other party, Chen Yunda couldn't help but glance at Zhang Yang. He immediately felt that this young man was incredibly strong, and even though he was dressed in a low-key manner, he couldn't hide his extraordinary temperament.

……

With Li Lechen's assurance that "the loan will be disbursed next Monday," Zhang Yang picked up Xu Zhiruo's pink Maserati in less than half an hour at a car rental shop in Jiading District.

Since the transfer of ownership could only be completed on Monday, Zhang Yang simply drove the car back to Huihang Used Cars and had them keep it safe. He would come back the day after tomorrow to complete the formalities.

Once again seated in the passenger seat of Xu Zhirou's Porsche, Zhang Yang reclined the seat, closed his eyes to rest, and said, "Back to school, I have things to do."

"Which girl's ass hasn't been cleaned up yet? You financial scumbag." Xu Zhirou started the car again and asked rudely.

Hearing the hostile tone in the other person's voice, Zhang Yang opened his eyes and looked at Xu Zhirou's profile with a playful expression, saying, "You seem to have a problem with finance guys. Have you been dumped before?" "Dumped?"

Xu Zhirou raised her chin disdainfully, looked straight ahead and said, "Even if all the men in the world died, I would never date a finance guy. They're a bunch of people who play with emotions, have no values, no morals, and are of low character!"

"It seems that's really the case," Zhang Yang said after thinking for a moment.

"Especially that one person, with his sweet talk, tricked a girl into selling her car; he's utterly shameless, the worst of the worst!"

Xu Zhirou glanced at Zhang Yang with disdain, but suddenly she realized that Zhang Yang's gaze was fixed on her legs.

"Where...where are you looking?"

She was both angry and ashamed, but she also had to keep driving.

In contrast, Zhang Yang remained calm and said casually, "A famous philosopher once said that when a woman's eyes aren't on you, you can look at her legs."

"Which bastard philosopher is so shameless?" Xu Zhirou complained, while using her coat behind the seat to cover her legs, preventing Zhang Yang from continuing to look.

"Can't say."

"Did you make that up on the spot?"

"Guessed it right."

"You are so shameless!"

"You call me utterly shameless and the worst of scumbags, so it's perfectly reasonable for me to do things that fit the image of a scumbag, right?"

What if I take back what I said?

"In that case, even if you take off all your clothes and stand naked in front of me, I won't lay a finger on you, because I can't bring myself to hurt a woman."

"..."

After a long silence, Xu Zhirou complained again, "Why don't you become a male prostitute? With your looks and your sharp tongue, you could definitely become the top male prostitute."

The words fell.

Zhang Yang has yet to respond.

Xu Zhirou glanced over and found that Zhang Yang had already lay down and closed his eyes.

However, as soon as she took off the coat that was covering her legs, Zhang Yang's voice came over calmly: "Legs that are exercised regularly are indeed different. There is no excess fat, and you can see the lines even in a natural state."

"You rascal!"

Xu Zhirou couldn't help but feel ashamed and scolded him.

……

What should have been a 40-minute drive took Xu Zhirou a full hour, as she remained constantly on guard against Zhang Yang's arrogance in the passenger seat.

Upon returning to the underground parking lot of Shanghai University of Finance and Economics, Xu Zhirou had just parked the car when she urged him repeatedly, "Stop pretending to be asleep, get out of the car quickly."

"We're here already?" Zhang Yang adjusted his seat back to its normal position, stretched, and said, "Bye, see you next time."

"Never again!"

Xu Zhirou corrected her directly.

Zhang Yang smiled calmly, closed the Porsche door, and drove away.

He didn't have any particular feelings for Xu Zhirou; he just happened to see how much she discriminated against men in finance, so he took the opportunity to reinforce her stereotypes about men in finance.

But then again, Xu Zhirou's legs are indeed beautiful. They are not only white and free of excess fat, but most importantly, they have muscle lines from years of exercise, giving them a strong and powerful look.

If I had to describe it in two words, it would definitely be "top-notch"!
Xu Zhirou, sitting in the car, watched Zhang Yang's departing figure, her teeth itching with hatred, wishing she could stomp on the gas and knock him flying.

Fortunately, the law restrained her, but she still couldn't help but curse: "Financial men are the dirtiest, most evil, and most shameless group in the world!"

……

Shanghai University of Finance and Economics.

First canteen.

As the saying goes, food is the most important thing for people. Since it was lunchtime, Zhang Yang first ate lunch in the cafeteria, then returned to his dormitory and rested for an hour before leisurely driving to the talent markets in various districts of Shanghai.

In 2009, the talent market in Shanghai had four main categories.

1 is the Shanghai Talent Service Center, which is an officially led platform that provides comprehensive services such as talent exchange and file management.

The advantage is that it is officially endorsed and has credibility, but the disadvantages are that the process is slow and the accuracy of job matching is insufficient.

To put it bluntly, you're looking for an experienced programmer, but they might match you with multiple recent computer science graduates. Don't ask why they lack experience; just tell them if they're programmers or not.

2 is the Shanghai International Talent Service Center, which focuses on international talent services and involves the introduction of overseas talent.

Simply put, it's only for companies with international business needs.

The remaining two are the district talent market and the private talent market. Compared to the first two markets, their job matching will be more accurate and the process will be relatively simple.

Zhang Yang first arrived at a large job market in Pudong, where he was greeted by countless recruitment booths and crowds of people coming and going.

What is your educational background?

As soon as I entered the job market, people immediately came up to chat with me.

Because it was graduation season and Zhang Yang was in his early twenties, the curly-haired woman who approached him immediately mistook him for a job seeker.

"How are the resumes displayed on that wall over there?"

Zhang Yang asked casually.

Upon hearing that Zhang Yang wanted to display his resume, the other party quickly advised, "That costs money and isn't cost-effective. Tell us about your education and major first. Our company offers customized job recommendation services that can definitely meet your requirements."

"I am looking to hire a project supervisor with experience in website incubation. Requirements include a bachelor's degree or above, at least five years of relevant experience, no age limit, and salary to be discussed in person, but it will not be lower than the industry average."

"You...you're here to hire, right?" The curly-haired woman paused, then straightened her back slightly when she heard that it was the client.

"Correct."

Zhang Yang replied.

"I've noted your requirements. I wonder if it would be convenient for you to come over so we can discuss the recruitment fee."

"Just tell me your pricing."

"Currently, we have three different service packages tailored to different situations. Package 1 involves hiring on-site..."

"That's it."

Zhang Yang interrupted her.

A smart man won't put all his eggs in one basket. He doesn't know much about the other organization, so the simplest package will suffice.

The curly-haired woman paused for a moment, then quoted a price: "Package 1 only includes the stall service, and the price is 100 yuan per day."

As soon as he finished speaking, Zhang Yang shook his head, glanced at the job seekers coming and going, and asked, "There are so many job seekers here. I can pay them 20 yuan a day, but you're asking for 100 yuan. Are you trying to rip me off?"

"You can indeed hire someone for 20 yuan, but if you're not there, what if they take the money and run away? There's nothing you can do about it, right?"

"Nonsense, otherwise why would we choose you?"

Zhang Yang first affirmed the curly-haired woman's words, and then said, "I'll only pay 50 yuan at most. If that's not enough, I'll go to the next place."

The curly-haired woman was still in shock as Zhang Yang used his "dragon-slaying sword" style bargaining tactics. Seeing that she didn't react, Zhang Yang then walked away.

After the curly-haired woman came to her senses and looked around, she quickly caught up with Zhang Yang after spotting him and said, "50 is fine, don't be in such a hurry to leave."

"Let me see your qualification certificates and company structure first. If you try anything funny, I will report you for tax evasion and failure to pay social security every two days." Zhang Yang said in the calmest tone, stating what the company feared most.

He can pay the money, but he must receive the corresponding service.

(End of this chapter)