Golden Years in the World of Film and Television

After the greetings, Jiang Pengfei poured Han Tao a cup of tea and then got straight to the point:

"Xiao Han, how has today's stock market turmoil affected you? I heard you said you liquidated your positions earlier?

Why did you withdraw when the rally was so good? Is there any inside information? "

Han Tao smiled and said, "Uncle, there's really no insider information, but I do have some analysis. As everyone knows, this year's stock market surge was due to the favorable policies introduced earlier.

However, this also caused irrational excessive rise in the market, coupled with a large influx of foreign capital and rampant leverage, which created a huge financial bubble.

Therefore, large investors have already cashed out and reduced their holdings when they exceeded 4500 points, because this is the best time to cash out. If they cannot reduce their positions in time, they will be trampled at any time.

Based on the above points, that's why I decided to clear the position. After all, this is a very good opportunity. Didn't uncle lighten up his position at all? "

"Of course not. This wave of decline is indeed a result of a large amount of profitable selling, but it is only temporary. Based on previous bull market experience, the market index will quickly return to the 60-day moving average, so it is normal for many stocks to adjust by 20% to 30%.

But after adjusting back to the support level, it will rise again. This decline is just a test to hit 5000 points. Therefore, more leverage will enter the market next. Compared with before, now is the time for investors to make great plans.

Watching Jiang Pengfei talking freely and expressing different opinions on this decline, Han Tao was completely speechless.

"Uncle Jiang, I still reserve my opinion on this price increase. Instead, I'd like to ask you, where did you hear this statement?"

Jiang Pengfei shook his head and looked at Han Tao, who frowned slightly, and said, "Of course it's Master Song, didn't you read the financial news this afternoon?

He is a famous stock analyst in Shanghai. According to his analysis today, the reason why the stock market plummeted was that on the 26th, Huijin Investment Co., Ltd. reduced its holdings in ICBC and CCB, with a total amount of 35.35 billion yuan, which will greatly suppress investor confidence.

In addition, Master Song also believes that this decline is related to the approaching 30th, because the "5.30" crash that year will have a psychological impact on investors. After all, the current stock market is as hot as the A-share market that year.

In addition, Master Song still believes that the bull market pace of A-shares has not been disrupted, and may face short-term adjustments after the plunge.

This is mainly due to the concentrated selling of profits from overvalued stocks. After a short-term adjustment, the bull market will continue to run smoothly. It may even break through 5000 points at the opening next week, and 6000 may just be the next starting point.

Hearing this, Han Tao couldn't help but curse him in his heart. It seemed that the Jiang family would be heavily in debt not now, but half a month later, because Jiang Pengfei was the representative of blindly optimistic stock investors. They had been blinded by the current crazy market and the analysis of various stock gurus.

The current stockholders have been misled by such rubbish speech, and have lost the ability of rational analysis. Of course, some people may be taking the opportunity to poison, using this propaganda to brainwash new and old leeks, and then uprooting them. After all, this is already a tried and tested method, otherwise the traditional virtue of cutting leeks would not have been formed.

"Uncle, I still think you should consider withdrawing, otherwise it will be too late. Even if the market opens higher, you should reduce your holdings as soon as possible, because the risks in the current stock market outweigh the benefits.

Especially when leverage is added, if the market goes up or plummets again after opening, wouldn’t it be a complete loss? Compared to making money, controlling risks and preserving principal is more important than anything else!

Han Tao advised him sincerely. It was not because he was a saint, but because he really didn't want to see him end up in a dead end. Before traveling through time, Han Tao also experienced the stock market crash that year.

Although I didn't enter the market because I didn't understand it at the time, several of my friends ended up losing everything and being heavily in debt. One of them even jumped from the 26th floor, leaving only a pile of rotten meat on the ground and a widow and orphan.

At this time, Zhang Anren, who was standing by, took advantage of Han Tao's opportunity to express his opinion:

"Uncle, I also read the news today. It said that the stock market is very risky, but the real estate market is a good investment opportunity. After all, the stock market has fallen so much all of a sudden. Nearly a thousand stocks have hit the limit down, and more than 1000 stocks have fallen by more than 9%. How can it go back up so easily?"

As soon as Zhang Anren said this, Jiang Pengfei knew what he meant. Considering that he had asked Zhang Anren to sell his house and invest in stocks before, he said this to make it clear. Fortunately, he did not listen to him and invest in stocks, otherwise he would have lost money now.

Thinking of this, Jiang Pengfei looked down on Zhang Anren even more, and retorted with a dark face: "Xiao Zhang, you don't understand and you are talking nonsense. The stock market is not doing well for a day or a while, it's no big deal, because it is a curve, it's just up and down like this.

If you don’t trade in stocks, you won’t understand. The bull market has always risen slowly and fallen like this. Judging from the previous market, such a one-day sharp drop is not a big deal, because the positive decline is beneficial to the stock market. "

Speaking of this, Jiang Pengfei looked at Zhang Anren and saw him nodding, so he took a sip of tea and continued:

"So, you still need to learn more. Do you know when is the best time to invest in the stock market?"

Zhang Anren shook his head and pretended to be ignorant and replied: "I'm sorry, uncle, I really don't know this!"

"That was ten years ago. Do you know when the second best time to invest is?"

After Jiang Pengfei finished speaking, Zhang Anren shook his head again and said, "I don't know."

"Right now! We all know that chasing rising prices and selling falling prices is a doomed investment, so you have to do the opposite. When others are fearful, you have to build a position, even if you have to borrow money.

To be honest with you, my uncle is now fully invested, and I plan to raise some funds from Xiao Han today to continue building. He has made tens of billions in the stock market!

This is the charm of the stock market, but you are too timid. What's the point of guarding a dilapidated house in the suburbs? You lack this kind of courage. There is a famous saying in the stock market: when others are fearful, you should be greedy, and when others are greedy, you should be fearful, understand?

After saying that, Jiang Pengfei stared at Zhang Anren. Although he said so, he was very anxious in his heart. Except for Storm Technology, which had not lost much of its shares, all the other stocks in his hands were falling. If there was no good news, his positions would be closed soon, and then he would be really in debt.

After hearing what he said, Zhang Anren was full of embarrassment and disapproval, especially when Jiang Pengfei proposed to sell the house again, so he could only choose to remain silent for a while.

Seeing this, Han Tao smiled and said, "Uncle, I think your words contain too much greed and gambling. You'd better stop before it's too late, otherwise you will easily become a leek."

Jiang Pengfei was hoping to borrow money from Han Tao to make up for his losses, so even though he disagreed in his heart, he still said:

"What you said is indeed reasonable, I will think about it, but the stock market itself is an adventure, I used to be too foresight, so I didn't dare to make heavy bets in the early stage of this bull market, and only bought full positions in the later stage.

So now is a good opportunity, and I should build more positions. As long as the market rises 20% again, I will withdraw immediately and lock in my profits."

Looking at Jiang Pengfei who was still immersed in fantasy, Han Tao wanted to remind him again, but Jiang Nansun's mother Dai Yin happened to come back from outside. Seeing that everyone was waiting for her, she smiled apologetically.

Seeing this, Zhang Anren hurriedly got up and said hello, "Hello, Auntie!"

Han Tao also politely stood up and greeted him. Grandma Jiang, who was standing beside him, said in a cold voice with an unhappy face, "Why did you come back just now? It's getting later and later every day. Isn't this okay?"

Dai Yin looked at Jiang Pengfei, and then said unhappily: "It would be great if your son was here. If he's not here, there's no use for me to be here!"

After that, she spoke a few words to Han Tao and Zhang Anren, then turned and walked upstairs.

Grandma Jiang looked at Dai Yin's receding figure, her eyes revealing a mixture of disgust and anger. This daughter-in-law was becoming more and more unreasonable. Back then, they were asked to have a second child, and the Jiang family didn't need the fine, but she refused to have one no matter what.

Now there are no rules, playing cards and dancing every day, or buying jewelry with the family's money, I don't know at all that my daughter is getting older, and as a mother, she has to lead in a good direction.

Seeing this, Jiang Pengfei hurriedly tried to smooth things over: "Xiao Han, your aunt has gone to change clothes and will be down soon. Go and call Nansun Suosuo to come over for dinner!"

Hearing this, Zhang Anren hurriedly stopped Han Tao and said, "I'll call Nansun and Suosuo, you can stay with uncle and grandma, otherwise I can't understand what uncle said about the stock market."

"That's great. Let Zhang Anren go and let's continue the topic we left unfinished."

"Okay, thank you for your hard work, Brother Zhang!"

…………

Chapter 279 The Jiang Family’s Dilemma

At ten o'clock in the evening, outside the Jiang family's western-style building, Jiang Nansun accompanied Zhang Anren out. Originally, Zhang Anren planned to send her back to Binjiang Yipin, but because Jiang Nansun had to talk to her father today, she could only accompany him to the outside of the alley, and then let Zhang Anren drive his own car back to Sanlin.

Seeing this, Zhang Anren didn't know what to say. Zhu Suosuo accompanied Dai Yin. The two followed Zhang Anren and Jiang Nansun, talking in whispers while taking a walk.

Although Jiang Pengfei is optimistic about the stock market, he cannot guarantee that he can hold on until the dawn, so he is now counting on Han Tao for help, because there is no hope in the short term for Zhang Anren to sell his house to support him.

Seeing that he and Jiang Pengfei were the only ones left in the living room, Han Tao said straight to the point: "Uncle, since you've kept me here, you must have some ideas. Just say it!"

Hearing this, Jiang Pengfei sighed, hesitated for a moment, and then whispered, "Xiao Han, I won't hide it from you. The Jiang family is bankrupt. It has been a shell company since a year ago. It has been robbing Peter to pay Paul.

This year, the bull market came, and in order to keep up with this momentum, I borrowed a large sum of money from some social lending companies.

I originally planned to take advantage of this leveraged bull market to make a fortune, and I did make a lot in the beginning, including when we first talked about stocks, I also made money. But the more money I made, the more I felt it was not enough. Later, I invested more and more capital, which led to the current situation.

If the stock market keeps rising and breaks through 5000 points, I can turn things around. But today the stock suddenly hit the limit down, and I can’t even buy it in time.

It would be fine if the market opens higher next week, but if it falls again, the principal I borrowed will be completely gone after two limit-down periods. I really have no other choice.

Could you lend me some money as a margin? This is an opportunity. The stock market will definitely rise again. I must seize the opportunity to build more positions. If successful, I can return the principal with interest."

Seeing him looking at him pleadingly, Han Tao did not respond, but asked again: "Uncle, even if the stock market can go back up, are you sure you will stop while you are ahead and liquidate your positions in time? Or if it can't reach the height you expect in a short period of time, are you sure you can make back your investment?"

"The 10% annual interest rate offered by lending companies is good, but this is a typical example of the disproportionate returns to risk. The Jiang family is already in debt, and I wouldn't waste any money even if I had more. Even if I used it for welfare, I could still gain a good reputation, wouldn't I agree?"

After saying that, Han Tao shook his head and looked at Jiang Pengfei. He was a complete gambler. He originally thought that he only took out mortgage loans and borrowed money from acquaintances, but he didn't expect that there were other channels. The so-called lending companies in society were loan sharks. No wonder in the original plot, he sold a mansion worth hundreds of millions and still couldn't make enough money.

What is usury? It's the practice of exploiting people without leaving any bones. "Borrow nineteen, pay out thirteen, return." This method of compound interest calculation was first used in pawnshops and later in private lending.

In other words, if you borrow 10,000 yuan (9,000 yuan in hand), and the amount you don't pay back is 13,000 yuan by the due date, then the total amount you have to pay back after the overdue period is 169000 yuan. If the overdue amount is accumulated, this is the way of compound interest. If one period is three months, that is, you have to pay this much in four months.

Because the interest rate is extremely high, people will lose everything if they are unable to pay it back under the exploitation of high interest rates. However, people can do nothing about those who charge interest in this way.

Hearing Han Tao say this, Jiang Pengfei immediately said excitedly: "I can mortgage my house to you, as long as you lend me 50 to 70 million. You have made so much money from the stock market, so a few tens of millions won't be a big deal, right? I can pay you back at a 10% interest rate, which is better than putting it in the bank."

Han Tao frowned at him and shook his head. "Uncle, I guess you've already taken out a loan using the property ownership certificate, right? Besides, no one knows what the stock market will be like next. If it continues to fall, who will own the house?"

Hearing Han Tao's words, Jiang Pengfei still did not give up and said, "No, the stock market can't suddenly fall to the bottom. The national team will rescue the market. I still have a chance.

But I added leverage, so I must have sufficient margin. Otherwise, the securities company will force liquidation before the price rises, and then my borrowed principal will be gone. For the sake of Nansun and Suosuo, you can't let the Jiang family be ruined like this!"

Looking at the distraught Jiang Pengfei, Han Tao said helplessly, "Uncle, you still have a chance. Wait until the market opens to liquidate your positions. Even if the securities company forces you to close your positions, it's still better than holding on. If you sell your positions now, even if you have debts, selling the house before they're overdue will be enough, right?"

Jiang Pengfei shook his head and pleaded again, "Xiao Han, if my position goes bankrupt, those creditors will come knocking on my door before I even buy a house. They'll do anything, and the Jiang family's last bit of dignity will be gone. For the sake of Suosuo and Nansun, can you please help your uncle this time?"

Hearing this, Han Tao frowned and said, "Uncle, tell me the truth. How much money did you borrow? How much was regular, and how much was usury?"

Jiang Pengfei was silent for a long time, then collapsed on the sofa in a decadent manner and said, "I owe more than 10 million in regular loans and 30 million in high-interest loans. If I can't pay it back in a month and a half, I will lose the house, so you only need to lend me 70 million.

No, no, no, just borrow 50 million. If you can lend me 50 million to pay back the loan sharks, I can get through this difficult time and even hold on until the stock market recovers."

"Uncle, no one knows what the stock market is like, and you've added leverage. If the stock continues to hit the limit down, you won't have any hope of recovering. By then, my 50 million will be wasted. After all, for Nansun and Suosuo's sake, I can't force you like a loan company.

The Jiang family has no ability to repay me, so you guys are living in the house, but I can't get the money. I've lost hundreds of millions of dollars, and you're just making money out of nothing. I don't think we have such a close relationship."

Jiang Pengfei was stunned when he heard Han Tao's words. Not to mention his girlfriend's best friend, how many brothers would become enemies because of money?

What kind of relationship would allow someone to lend him tens of millions? It was true that Han Tao was rich, but apart from the couple, the only ones who had the right to share the money were the children. How could he be considered a part of that?

"Children, yes, husband and wife and children!"

Jiang Pengfei, who was still mocking himself, thought of this and looked at Han Tao with longing, like a drowning man grasping at the last straw.

"Xiao Han, I can see that you like Nansun, right? Uncle can help you. Nansun is a person who will give in to soft words but not to hard ones. When the Jiang family is in dire straits, or even has debt collectors coming to their house, I will explain the reason to her and appeal to her emotions. She will not abandon the Jiang family.

Then you are helping her in times of need, she will be grateful to you. In fact, I feel at ease leaving her to you. After all, you sold a house worth tens of millions to Suosuo before we were married. Uncle knows that you are a responsible person. "

Looking at Jiang Pengfei who risked his life for his daughter, Han Tao wanted to punch him twice, but he also sighed that when a person encounters a desperate situation, there is no telling what he will become.

However, Han Tao did not sympathize with him, but despised him. It is said that there must be something hateful about pitiful people. He ruined his originally good life and played a good hand of cards badly. He even had to rely on his daughter to get out of the predicament.

………………

Chapter 280 Will he marry Nansun?

There was silence in the Jiang family's living room for a long time. Seeing that Jiang Pengfei could no longer hold his temper, Han Tao frowned and said, "Uncle, do you think I'm a person who takes advantage of others?

Do you think I need such means if I want a woman? Besides, for a matter like this, even if it's only a few hundred thousand, there are plenty of young and beautiful girls willing to rush over, so why should I spend money and not please them? It might even hurt Suosuo and lose my friend Nansun. "

Seeing that Han Tao still cared about the feelings of Zhu Suosuo and his daughter Jiang Nansun, Jiang Pengfei immediately said, "Xiao Han, how can this be considered taking advantage of someone's misfortune? I was clearly asking you for help. If Nansun is with you, it's much better than being with that poor Zhang Anren. If the Jiang family really fell into poverty, he wouldn't be like this now, still obeying Nansun's every command. So you are saving her.

Besides, if the stock market really tanks and I can't pay back my debts, I'll be completely destitute. I won't know how to face my mother and the others. I might end up like those who have lost everything and jump off a building to commit suicide. So, if you help me, you'll be the Jiang family's savior!"

Listening to Jiang Pengfei's humble plea, Han Tao, after all, was Jiang Nansun's father, and he didn't want to see him go to a dead end, so he could only nod and say:

"Uncle, I don't deny that I do like Nansun, and I don't want to see you go that far.

How about this, as long as you do as I say, when the stock market opens next week, no matter whether it goes up or down, you will immediately sell all the stocks you have, and use the money to pay off the debt to the loan shark company. I can help you make up for the remaining losses.

As for Zhang Anren, don't put pressure on Nansun, and don't get involved in her emotional issues. We young people can handle it ourselves, so she won't be offended."

Hearing Han Tao's words, Jiang Pengfei knew what he meant, so he said with joy, "Really? Then will you marry Nansun?"

"It all depends on fate. Who knows what will happen in the future? But I can promise you that if Nansun and I really get together, or even have children in the future, one of the boys can have the surname Jiang. This is what I promised grandma. Compared to mine and Suosuo's, she would prefer the bloodline of the Jiang family!"

And I will leave part of my property to this child and Nansun. With my current net worth, one percent is enough for the Jiang family to make a comeback.

Of course, you won't have to pay back the money I lent you to pay off your debts. Even if Nansun and I don't get together, you don't have to pay back the money. I can add tens of millions and buy this house at the market price.

At that time, you won’t have to move out. You can stay here as long as you want, until Nansun and I are a hundred years old. After that, it will be the next generation’s business.”

Jiang Pengfei was extremely happy to hear that Han Tao was willing to let his son take his mother's surname and also give him a portion of his property. With Han Tao's wealth, one percent would be several hundred million, which was enough for the Jiang family to continue its wealth for two generations.

It is not certain that the family can even restore its former glory. What's more, he directly solved the major problem of the Jiang family having no male heir to inherit the family. Therefore, Jiang Pengfei was so excited at this moment that he wanted to let his daughter Jiang Nansun and Han Tao consummate their marriage right now.

Thinking of this, Jiang Pengfei swept away his decadence and looked at Han Tao excitedly and said, "Xiao Han, what you said is true. Do you regret it?"

Han Tao nodded: "Of course, I never regret what I said!"

"I believe you. Compared to you, that Zhang Anren is nothing. From now on, Nansun will be handed over to you. She has been spoiled since she was a child. You must take good care of her."

Seeing Jiang Pengfei say this, Han Tao smiled and said, "Don't worry, uncle. Whether it's just our current friendship or something more in the future, I will take good care of her."

"Okay, how could I not feel at ease leaving it to you? But Nansun has been spoiled by me for so many years. I hope you can be more patient with her!"

"Uncle, you don't have to worry about this. Nansun has just stayed on campus for too long and hasn't experienced the baptism of society. She will mature sooner or later!"

"Okay, then you sit for a while. I'll go upstairs and give the old lady some milk. She has trouble sleeping, so she has to drink it before bed every day!"

"Uncle, please go slowly. I'm going to go out and see Suosuo and Nansun. I'll be leaving soon. Please tell grandma to come visit her another day."

"Okay, I get it. It's getting late. Tell Nansun to come back quickly. She said she has something to talk to me about!"

"Okay, uncle, let's talk slowly and don't start a conflict anymore. Suosuo and I will wait for her in the car!"

"I know, I know. Last time was just an accident. I will pay attention!"

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