Rebirth of the Almighty Internet Celebrity

Chapter 371 The real intention?
"Coach Zhou" benefited from working in a "first-tier city" for most of his life.

Although the big driving schools in the "first-tier big cities" did not purchase the highest-grade "social security" for him (except for some public institutions, very few profit-making companies would purchase the "highest-grade social security" for their employees regardless of cost. It is just a special case of public institutions), but if you buy "medium-level social security", it is very good.

In particular, the "average salary" in "first-tier cities" is among the highest in the country.

Taking the "average salary" of "first-tier cities" as the basic salary for payment, even if you only buy "middle-level" "social security", it is almost equivalent to the highest-level "social security payment standards" in some medium-sized cities.

From a practical point of view, "Coach Zhou" has been paying "intermediate-level" "social insurance premiums" for more than 20 years in big cities through his employer, and the total amount accumulated in his personal "social security account" is not too low.

At that time, "Coach Zhou" didn't carefully calculate how much money was stored in his "social security personal account". Anyway, he didn't handle it himself at the time, and he didn't pay special attention to it.It's just that, when he was in a big city, he accepted the thinking of people in big cities from the very beginning: he had to buy "endowment insurance".This kind of "social security" itself is something that the state gives you as a personal benefit. If you don't buy it, you don't buy it.

With this kind of thinking, you will be selective and insist on choosing a major driving school that is willing to purchase "social security" for its employees. It has been working there for more than 20 years.

After he became a "gold medal coach" at a major driving school, in order to appease him and retain his talents, the major driving school not only increased the "commission ratio" for his students who "passed", but also helped him pay higher-end "social security" "Yes.

So I have been a "gold medal coach" for more than 20 years, and finally I am leaving the big driving school. "Coach Zhou" went to the local social security office to check his "social security personal account", and the accumulated amount has reached a quite surprising amount. amount.

This "social security personal account" is really not easy to accumulate such an amount.

You know, it doesn’t mean that how much “social security” you pay every year will determine how much money you can deposit into your “personal account.”If the Social Security Administration Office simply "saves money" for you personally, where will there be "spare money" to distribute pensions to people who can already receive "retirement pensions" on a monthly basis?
The correct way is for the social security office to put part of the "social security premium" you pay each year into your "personal account" according to the proportion, and the other part is "overall" and handed over as a distribution to the real people who have already begun to receive money. The main source of pensions for "retirees".

Therefore, there is a saying that several working people support one retiree.

Therefore, "Coach Zhou" is quite satisfied to see that in his "social security personal account", he can accumulate such a gratifying amount in more than 20 years.

You know, although the amount in this "personal social security account" cannot be "withdrawn" directly, it is not useless at all.On the contrary, it is very useful!

Let's put it this way, when you reach the legal retirement age, this "social security personal account" will stop depositing money in it.After you stop saving money, the composition of your "retirement fund" - in addition to the basic pension, seniority pension, pension with adjustment subsidies, the largest part is the accumulated amount in the personal account, divided by more than 130 months, This part of the "retirement pension" issued to you.

Why do you have to divide the money accumulated in your "social security personal account" by more than 130 months and send it to the individual? !

That is the time calculated according to the average life expectancy of Chinese people.

More than 130 months is equivalent to more than 10 years.At that time, it was generally realized to retire at the age of 60, and the money accumulated in the "personal account" would be divided by these 10 years (more than 130 months) and distributed to you month by month.

It is equal to the average life expectancy of "estimated" retirees in their 70s, and the money in this "personal account" will basically be paid to you when you are in your 70s.

If you, the "retiree", have a bad life and don't live to the "average life span", just leave.If you haven't "finished" the money in this "personal account", then it's considered as your own "loss".Of course, the Social Security Office will give your family members a "funeral allowance", which is approximately the total amount of 20 months of the monthly pension you received last year.

If you, a "retired person", have a good life and live a long life, and live to be over 70 years old, you will have spent all the money accumulated in your "social security personal account".Then as long as you continue to live, you can continue to receive the same "pension" every month.

Even if you can really "live a hundred years", then you can receive more than 30 years of "pension"...

Therefore, in a sense, the "pension" thing is to guarantee the life of retirees when they grow old. Of course, the longer they live, the more they can earn.

Therefore, after "Coach Zhou" left a big driving school in a "first-tier city", he found out that he had accumulated such a considerable amount in his "social security personal account" for more than 20 years.He will have more "motivation" to buy pension insurance.

After all, that year, he still had more than 10 years to reach the legal age of 60 to receive a "pension".

Well, after leaving the "big driving school", should I continue to purchase "social security" as a "flexible employee"?

It just so happened that in the next ten years, "Coach Zhou" took most of his life savings to start a business, which happened to be the business of the "Electric Vehicle Assembly Factory" that was making a lot of money.

During those ten years, the annual "gross profit" of his self-operated small workshop exceeded one million.The net profit is also hundreds of thousands.

It took almost only two or three years to "pay back" the investment.In the next six or seven years, everything will be "net profit".Making money made "Coach Zhou" and the couple very happy.Often smile from ear to ear.

He has a lot of savings in his hands. Of course, "Coach Zhou" is also very willing to buy "social security".During those ten years, I directly purchased the highest-grade “social insurance”.

The "social security fee" of only about 4 yuan a year is completely affordable for him.

Even if the "social insurance" increases every year, according to the highest-grade "social insurance" he purchased, the "insurance fee" will increase by several thousand yuan every year (if he buys the lowest-grade "social insurance fee", it will also increase every year. 1 to 2 yuan fee).This increase in fees was really just a "drizzle" for "Coach Zhou" who was doing a prosperous business at that time.

pay!Just pay according to the highest grade!
"Coach Zhou" didn't even frown.

Seeing that I am almost reaching retirement age, I can receive a "pension"."Coach Zhou" doesn't plan to have another son in this life (mainly because his wife was older at the time and was no longer the right age for childbearing. It would be too risky to do so forcefully), so he purchased a high-end "social security". When you receive a high "retirement pension", you don't have to be like many rural elderly people in your hometown who always talk about "raising children to provide for old age."

In those ten years, "Coach Zhou" spent more than 50 yuan in paying "social security fees".

Fortunately, he was so willing to spend on this aspect.Otherwise, even if he desperately saves the millions he earned from being an "electric vehicle assembly plant", it will eventually be lost in his later "potion factory" project.

Take hundreds of thousands or millions to buy "social security."After this money is deposited, unless you "die" before reaching the retirement age, your descendants can get back the money in the "personal account". Otherwise, you will not be able to get it back.

Just like that, after "Coach Zhou" left the big driving school in the "first-tier cities", he had successes and failures in business.In the end, I owed a lot of debt, but I successfully reached the retirement age where I can receive a "pension".

After retirement, the amount of pension "Coach Zhou" received was really high.

It can be said that the salary is higher than that of the "eldest son-in-law of the Zhou family" who works as a middle-level supervisor in a large company.

Therefore, "Coach Zhou" actually had no need to ask for money from his daughter and son-in-law before his wife died of illness.He and his wife’s “retirement pension” cannot be used up.Of course, if you want to pay off all the debt you owe, it's still not enough.But "Coach Zhou" understands that he owes debts, which are owed by doing business.Since the business has made a loss, it is equivalent to complete "bankruptcy". The partners in the business at that time should "share the risks" and bear the "debt" caused by the bankruptcy together.There's no reason why he should bear all the responsibility personally, right? !

In short, "Coach Zhou" can find a thousand reasons and refuse to repay most of the "debts".Only a small part of the debt he borrowed from relatives and friends in his own name, "Coach Zhou" actively repaid it.

Whatever the remaining debt is, forget it!If you have the ability, just revitalize the company that went bankrupt.He had no objection to using all the money he earned to "pay off debts"!
"Coach Zhou" also acted as a small "laolai" within what he thought was reasonable.

In short, the "coach Zhou" who thinks he has dealt with the "debt" clearly, receives a high "retirement pension" every month, and lives a happy life.

Although his wife's death was a very heavy blow to him.But after a few months, he got back on his feet again.

He actually found another "wife-to-be" who was willing to "hand in hand" with him—if it wasn't for his daughters' firm opposition to his "remarriage" in his 70s, "Coach Zhou" would have been with the "female trainee" long ago. "It's a proof.

But after the incident broke out, the daughters thought that the "female student" was willing to marry the "bad old man" for the "Zhou family's 140 square meters of real estate", so they took this as their goal and firmly opposed their father's division of the real estate.

Unexpectedly, the "Coach Zhou" and the "female student" acted like they didn't care at all.

To be straightforward, the two daughters don't want the father to live in the "big house" left by the mother, right?Well!He and the "female student" couldn't stop.

Very simply moved out to live.

Even after moving out, it will be more convenient for them, and no one will interfere at all.Soon, news spread that "Coach Zhou" and "female student" had an affair.

The "female student" really became the new wife of "Coach Zhou".

The two daughters of the Zhou family "heard the news" and immediately felt a sense of "mistake"!
Could it be that the "female student" knew that it would be too difficult to seize the 140-square-meter house with multiple ownerships, so she didn't come here for it in the first place? !
So her biggest goal is to be shocked by the high "retirement pension" revealed by "Coach Zhou"?From then on, she was determined to marry him? !

The two daughters of the "Zhou family", the more they think about it, the more they think it is possible!

After all, a woman who grew up in a small city has short-sighted eyes! "Coach Zhou" can receive a pension of more than 10 yuan every year.For people from small cities (it is even possible that the woman was born in the countryside of a small city), this can be classified as a "high-income group".

Even if the 140-square-meter commercial housing is disposed of, "Coach Zhou" can only get tens of thousands of yuan.Even if it's [-], it's not enough for his "retirement" in a year.

Therefore, it is possible that the woman really came here for "Coach Zhou's" high pension.

The Zhou family's two youngest daughters became more and more sure about it.

Suddenly very upset.It was aimed in the wrong direction from the beginning.If you guessed that the other party was aiming for such a goal at the beginning, you should not "force" your father to leave the big house left by your mother.

For the wrong direction, the result will of course have corresponding variables.

Perhaps it's because the two daughters of the Zhou family have never asked their parents for "money" since they started working.When they get married and start their own families, they will no longer ask their parents for money.I have no money to "give back" to the parents who gave birth to her and raised her, and I still have to ask them for money. This kind of "gnawing at the old" behavior is something that even children with a little conscience cannot do.

The income of the "eldest daughter of the Zhou family" and that of her husband are pretty good.The family expenses can be handled calmly, and there is still savings to buy land and build a house... Of course, there is no need to "cry poor" to your parents, but to help them.

And the "little daughter of the Zhou family" married a terrible "little son-in-law who works hard". Life at home is tight, and she often has to pay for her husband's "vanity", which is miserable.

Even so, the "little daughter of the Zhou family" doesn't have such a thick skin, she spends her parents' money even after she gets married, and being a "cheating old man" has never been an option for her.

It is precisely because the two daughters of the "Zhou family" are very careful and never spend their parents' money, so that in their opinion, the old father "Coach Zhou" seems to be the most valuable, only a set of 140 square meters big house too.

The two of them actually ignored it, because the father was a person with a high "retirement pension".

As a daughter, I have never thought about my father's "pension".But there is no guarantee that women from outside (such as "female students") are trying to get "Coach Zhou's" high pension!

It's entirely possible!

The more the Zhou family's two daughters thought about it, the more they felt that this guess was the closest to the truth of the matter!
Can't go wrong!It turns out that after my father passed 70 years old, the most attractive thing about his body was not his humorous speech and behavior, nor his attractive facial features even in old age, but the high pension he had been receiving!
(End of this chapter)