Rebirth 1990: I have three golden fingers

Xinghai Real Estate Company's properties are booming. The local real estate companies in Wencheng are very jealous and quickly study the reasons why their properties are booming.

This is the first time I heard about the separation of people and vehicles, elevator room, good apartment layout, decent location, and complete surrounding facilities.

The general reasons were also found, but some reasons were also ignored, such as quality assurance, property management and sales methods.

What they are even more jealous of is that the land price obtained by Xinghai Real Estate Company is very cheap.

In the city center, which is only across a river, the land price per acre is close to one million yuan. Since the land acquisition involves many private houses, it is difficult to collect and the construction is delayed.

Just one day later, a local real estate company consulted the Yongjia County government for commercial land. Unexpectedly, the land price of tens of thousands per acre last year had soared to 6.7 million yuan per acre. The land close to the Xinghai shopping mall was not for sale, or had been sold. Xinghai Company has already bought it.

Damn, Xinghai Company is playing a really big game!

Commercial residences are being developed around Xinghai Mall, and a bridge is also planned to be built.

A few days later, Xinghai Real Estate Company started selling parking spaces. Compared with housing, there were very few people buying parking spaces.

Full payment is required to buy a parking space, and the price is not low, starting at 10,000 yuan.

There are not many car owners now, most of them are motorcycles and bicycles.

However, Cuicanoujiangting still built an underground garage to separate people and vehicles, which is not available in Wencheng. The citizens think it is very high-end, especially among those who own cars.

Think about it, real estate companies have spent a lot of money building underground parking spaces, which can also be used to park motorcycles and bicycles.

Fang Bai never thought about making money from the parking space. It would be good to get his money back. Vice President Li Yi said that he only sold a quarter of it.

There are many people who want to buy shops, but the shops are not for sale for the time being. They will have to wait until the houses are sold out before selling them in a unified manner.

Shops are a high profit point in real estate. The average price is more than twice that of residential buildings. There are more than 20 shops in Cuican Oujiang, totaling more than 1,700 square meters. The actual area is only a little over 1,000 square meters. It can be sold If it is finished, more than 10 million yuan will be recovered.

Fang Bai asked construction companies to expand their staff and speed up residential construction.

At the same time, he called various banks to discuss loans, and his father took over.

Seeing that the Xinghai Real Estate Company's properties are booming and the land owned by the Xinghai Company has appreciated, banks are willing to increase their loan amounts. The total amount of loans taken by Fang Bai and his family in Wencheng has increased from 42 million yuan to 100 million yuan.

Fang Bai asked his father to buy the land around Xinghai Shopping Mall and hoard the land.

Every time dozens of acres of land are developed, hundreds of acres of new land are purchased, and dozens of acres of additional land are hoarded. This is what Fang Bai wants to do, and the area of ​​hoarded land will continue to grow until the end of this century.

Just a few days later, on May 1st Labor Day, Xinghai Mall was officially opened.

With a total construction area of ​​nearly 30,000 square meters, Wencheng is currently the largest comprehensive shopping mall. Wencheng citizens, especially Oubei citizens, have been waiting for a long time.

The area of ​​​​five thousand square meters is not large, but it is only the first phase. When it is completed, it will cover an area of ​​​​40,000 to 50,000 square meters, and it will be the size of Wanda Plaza in later generations.

But no matter what, in this era, Xinghai Mall, covering an area of ​​5,000 square meters, can be regarded as the largest shopping mall in Wencheng.

At 8:30 in the morning, Fang Shi cut the ribbon with many county leaders and lit firecrackers. The mall officially opened, and thousands of people poured in in a short time.

Three days later, the mall was still very popular, and business at the ferry was particularly good, with many urban residents making a special trip to shop.

The first three days of opening were relatively popular, and it also happened to be May Day. It was completely crowded on May Day alone. The single-day turnover of the entire mall reached 700,000 yuan, and the average daily sales in the next two days were 400,000 yuan. This data is a hot scene. , equivalent to the top ten shopping popularity among hundreds of Wanda Plazas.

For example, Xinghai Mall operates its own supermarkets and electronics stores, and it also represents three brands of clothing, so the profits are definitely not low.

Business in the electrical appliance mall is booming, with high profits per unit and monthly profits exceeding one million yuan. Fang Bai expects the business to last for more than ten years.

Now there is an additional supermarket with an area of ​​several thousand square meters, and the gross profit margin is also large. Fang Bai predicts that the annual profit will be no less than 5 million yuan.

Including rent, the annual profit is expected to be close to 30 million yuan, and the investment cost can be recovered in more than one year.

If a shopping mall covering an area of ​​40,000 to 50,000 square meters is built and urban bridges are built, the annual profit will be multiplied by 5 on the basis of 30 million yuan, that is, the annual profit will be no less than 150 million yuan.

In this era when there are few competitors, it is indeed very powerful.

But think about it, the annual rent of more than 400 Wanda Plazas in the future will exceed more than 50 billion yuan. In 2020, there will be more than a dozen with an annual turnover of more than 1.5 billion yuan. This is still an era when online shopping is developed.

Although prices are low now, there is no online shopping, there are few large stores, the competition is not fierce, and the gross profit margin is large. It is very profitable to operate a physical store these days.

Fang Bai communicated with his parents. The construction company will quickly expand its team to 500 people. After the mall is operational for one month, it will continue to borrow money from the bank to build more than 40,000 square meters of commercial and residential land next to the mall. It is estimated that 180 million yuan of funds will be needed.

If the bank can't lend that much money, Fang Bai will think of another way.

Xinghai Machinery Company's floor pumps are currently selling well. There are currently 3 sales outlets and 2 sales teams. This year, they have received a total of 41 floor pump orders, all of which have been delivered. The current production capacity is greater than the sales volume, and there is already inventory.

As sales outlets continue to increase, Fangbai has set a sales target of 300 floor pumps this year and 1,000 units next year.

If the performance of 300 ground pumps is completed, the machinery company can obtain an after-tax profit of about 100 million yuan.

The profits earned by the machinery company were used to invest in building factories. Fang Bai used part of the money earned from the subscription certificates to invest in Xinghai Mall.

A few days later, Xinghai Group was successfully registered in Wencheng, and its headquarters was tentatively located on the fifth floor of Oubei Xinghai Mall in Wencheng.

The chairman is Fang Bai, vice president Fang Shi, and financial director Liu Fengqing.

Fang Bai's mother has been learning financial knowledge from accountants in the past year. Accounting and financial matters are still handled by professionals. She only manages money and supervises finances.

It can be said that if no one taught her, she would not be able to understand the book.

Although the group has been established, the resources within the group have not yet been integrated. For example, in the future, the group's human resources department will recruit core employees from each company, and there will still be an HR department in each subsidiary responsible for specific personnel work.

For example, the sharing of sales channels, resource integration of branches in various provinces, etc.

The biggest benefit at present is to facilitate unified management of funds and reduce financial costs.

The group has just been established and the company is short of talents. Just like now, it is very troublesome for Fang Bai to calculate the total assets and liability ratio of the group.

He doesn't need anyone to help him count his personal wealth, just look at the golden fingers.

At present, his personal wealth has reached 52 million yuan, and he is not far from being upgraded to the middle finger. Since the opening of the machinery company and shopping mall, it is now growing very fast every day.

However, the profits of the real estate company have not yet been taken into account, nor have the land value increases been taken into account. According to the rules of Goldfinger, they will only be taken into account after they are realized.

Otherwise, Fang Bai's personal wealth would have exceeded 100 million yuan.

The total assets of the group, including the current value of the land, have actually reached 500 million yuan, with liabilities of 129 million yuan, of which 29 million yuan is owed to Shaxian ZF for land, and 58 million yuan of new bank loans have been recently added.

In the words of Fang Bai's mother, she was making more and more money, but she also owed more and more bank loans.

He joked that after less than three years, he would owe the bank more than 1 billion, and the whole family would be a billionaire.

Fang Bai smiled and told his mother: "Mom, it's okay. The bank is more panicked than us. Besides, our debt ratio is not high. We are not short of money, but if we want to develop quickly, we have to fight for bank loans."

"You are so heartless. You are not worried at all. Your father just borrowed tens of millions of dollars, and the presidents of several banks came to your door again. You asked several times if it was enough, and you were always polite to me. I want to Don't invest in some gold bars to store at home." Liu Fengqing scolded her son with a smile.

"You can buy gold bars if you like, but don't go to a gold store to buy gold bars. It's best to go to a big bank and buy the recyclable ones." Fang Bai didn't think about buying gold to appreciate in value, he just wanted to protect against unexpected risks.

If you buy gold and wait for it to appreciate in value, think too much. Excluding handling fees and processing fees, it would be good if it can maintain its value.

It is not safe to keep money in banks, especially local banks. It is better to invest it and liquidate it if you have no money to spend.

Liu Fengqing couldn't understand why it wasn't safe to deposit money in banks, and why it wasn't safe to buy gold bars from a gold store.

Fang Bai explained the reasons in detail to his mother, but he told her not to worry too much. He just told her not to be deceived and not to buy insurance blindly.

His mother manages a lot of cash and is smarter than his father, but no matter how smart she is, she can't compare to all kinds of scammers.

Some time ago, a bank salesman came to his mother's door to sell unreliable financial products. When Fang Bai found out, he directly called the president of the other bank. He didn't curse him, he just said sarcastically, "Your bank is great. I came to my mother to promote financial products."

After Fang Bai finished speaking, he hung up the phone. Just an hour later, the bank president called to apologize to Fang Bai.

If he were just promoting financial products normally and more reliably, Fang Bai wouldn't lose his temper.

But knowing that some financial products are very deceptive, I feel that his money is easy to deceive.

Fang Bai is not averse to various types of insurance and financial products. As long as the pros and cons are explained clearly and not deceived, he will buy some if he thinks they are suitable.

But when his family members act like idiots and it's an insult to their intelligence, that's definitely not okay.

After another ten days, Xinghai Mall's sales increased steadily, especially the supermarket, which was favored by local citizens.

This is the first open large supermarket in Wencheng, and Wencheng citizens can enjoy a different shopping experience.

In accordance with Fang Bai's request, Jingtian and other management personnel arranged some children's entertainment facilities in the mall. Citizens like to bring their children to play and organize snack activities outside the mall, which increases the popularity of the mall.

Xinghai Mall has long been known to Wencheng people, but many Wencheng people still don't know about Fang Bai's family.

With the listing of Cuicanoujiangting real estate and the opening of Xinghai Mall, Xinghai Group has become famous in Wencheng. More and more people in Wencheng know that Fang Bai's family is almost a household name. The story of their family's fortune has been well-known by Wencheng people. Enjoy talking.

Xinghai Mall is also called "Zhuangyuan City", and many people near Oubei No. 1 Middle School call it that.

"Boss Xinghai must be worth over 100 million. I heard that his family owns many cars and trucks, and he is surrounded by bodyguards."

“Professionals in Wencheng newspapers said that the owner of Xinghai has made a fortune selling houses, and rich people in Wencheng are rushing to buy them. The same company sells houses, but it is far worse than Xinghai. It has not been sold out for a year or two since it opened. "

"The number one pick is very smart, very good at business, and his managers are also very good. They were all recruited with high salaries."

"With a net worth of over 100 million yuan, he ranks among the top richest people in Wenzhou."

Some of the bosses who know Fang Bai, such as Wang Hengli, never imagined that Fang Bai would become rich so quickly. It's shocking that his own assets are only about three million yuan, which he accumulated through hard work over many years. It took less than two years for a young boy to start his business. , his assets are many times his, and his status is completely different. When calling Fang Bai, he has to keep a low profile to please others.

He has been very unlucky recently. His wife found out that he was keeping a mistress, scratched his face, and even threatened to kill the mistress. With her mother-in-law's viciousness, maybe something happened. Fang Bai used to help him with advice, but that's no longer the case. He just ignored him and told him to take matters into his own hands.

Huang Xing of Nanjiang Valve Company, the company has been developing well in the past year, but he never thought that Xinghai Company was developing so rapidly that Jiayu Company was about to catch up, which made him deeply moved.

Ye Fan, the former branch manager of Bank G on Nanjiang West Road, has been transferred to Wencheng Branch due to his good performance in the past year or two, and is specifically responsible for Xinghai Company's loans. Most of Xinghai Company's loans were helped by Ye Fan. .

Otherwise, a branch would not be able to provide tens of millions of funds to support Xinghai Company.

In Oubei No. 1 Middle School, Fang Bai is the pride of the school. His legendary deeds are widely praised by teachers and students in the school, and his photo and introduction are on the bulletin board.

His successful experience has become a role model for many students and parents, inspiring them to study hard and pursue their dreams.

Zhang Mubao usually didn't dare to disturb Fang Bai, so he would visit his home during the Chinese New Year. However, he usually chatted with Fang Bai's sister Fang Tingting, caring about her study and life, and asked about Fang Bai's situation.

This is what Fang Tingting is worried about. Her brother is so famous in school, and she is also famous. Her classmates say that her camera has more assets than most of her classmates. They are very polite when talking to her. Most boys don't dare to talk too much because they feel that they are The money is not enough for other people’s film.

There are bodyguards accompanying her when she goes home, and most gangsters don't dare to mess with her.

The Fang Bai family has a pretty good reputation in Wencheng. Everyone is followed by bodyguards. Counting the hundreds of migrant workers on the construction site with steel bars and hammers, considering their connections in the county, the underworld does not dare to provoke this family. .

Xinghai Group has had enough influence on Wencheng's economic development, and relatives who are close to Fang Bai's family have also benefited, such as Fang Bai's aunt's two sons, who currently work in Xinghai Supermarket.

Many relatives and friends work at Xinghai Company, and they are all ordinary employees. It is very difficult to get into lower-level management.

In the family business here in Wencheng, which company does not have relatives and friends.

Xinghai Company has relatively high requirements for grassroots managers, who must at least graduate from high school. Many of Fang Bai's classmates who did not go to college entered Xinghai Company to work.

It can be said that Fang Bai has directly affected hundreds of thousands of families in Wencheng.

Time passed slowly, and May 20th soon arrived.

The Shanghai Stock Exchange promoted the full liberalization of Shanghai's stock price. The Shanghai Composite Index doubled from 616 points on May 20, and reached 1,265 points by the close of the 21st. Yuyuan Mall with a face value of 100 yuan per share The stock exceeded 10,000 yuan.

It is common for new shares with a face value of one yuan to rise to 20 or 30 yuan upon listing.

For example, a stock with a face value of ten yuan has skyrocketed to more than two or three hundred yuan.

Some subscription certificates can buy 50 shares, and one subscription certificate can earn more than 10,000 yuan;

Those subscription warrants that can buy 30 shares are worth more than 5,000 yuan each.

After the first lottery, Fang Bai slowly bought stocks.

Starting from May 21, stocks will be sold.

He holds a lot of stocks, but compared to the entire secondary market, it only accounts for a small part, which cannot satisfy the national investors at all.

After Shanghai opened its doors to investors across the country, many outsiders came to Shanghai to speculate in stocks.

Fang Bolian took a few days off and slowly sold his stocks.

He has about 165,000 ten yuan shares on hand, worth 30 to 40 million yuan.

With a large number of stocks, the securities company sends a team to handle stocks for him.

For securities companies, this can earn a lot of handling fees.

Fang Bai cannot hide his wealth by handling a large number of stocks. Moreover, the overall situation has been decided. It doesn't matter to him whether he reveals that he owns a large number of purchase warrants.

It can be said that he asked company employees to help him purchase subscription certificates at high prices from the black market, rather than making arrangements in advance.

Nowadays, the black market trading of subscription certificates is a public matter, and there is no violation of laws and regulations.

Fang Bai sold some stocks every day, and after a few days, he made about 34.5 million yuan in the first round.

His personal wealth has soared to 87.5 million yuan, which is not far away from upgrading his middle finger to level 5.

After Fang Bai received the more than 30 million yuan, he paid the 29 million yuan land payment owed to the Shaxian ZF without any hesitation. It was not a good thing for the Shaxian ZF to press for payment.

Wang Dakai and Li Xiaolong earned about 35,000 yuan, and Fang Bai's seven roommates each earned nearly 30,000 yuan on average.

These people made a lot of money and were excited for several days. At night, the seven roommates discussed how to spend the money.

Thirty thousand yuan can be used to build a small building. This is wealth they have never imagined.

"Do you want to invest in stocks?" Yang Tan asked casually.

As soon as he finished speaking, Wang Yifei criticized him directly: "Yang Tan, you must have something wrong with your brain. The boss just sold the stock for us, and you want to buy it again. Do you know how to play stocks?"

"The boss has said that out of ten investors, seven will lose money, only one will make a profit, and two will make even profits. It's enough to make gains as soon as possible. The water is too deep. Even the boss thinks he can't do it, so why do you do it?" Messi Lake said meaningfully that Fang Bai is now the object of his admiration.

Yang Tan smiled embarrassedly and said: "Oh, I just said it casually. How can I invest in stocks? To be honest, I don't know how to spend this money. I can't tell my parents yet. Xiaoqiang, what are your plans?" "

Cui Xiaoqiang was lying on the bed, looking at the ceiling and smiling naively: "Hehe, I was thinking about how much it would cost to eat meat every day for a semester."

Wang Yifei suggested: "Eating meat every time you eat meat will only cost you a few dollars a year. If you save 10,000 yuan regularly, the interest alone will be enough. Buy yourself a pair of better shoes and clothes first, and don't be too frugal."

Cui Xiaoqiang thought for a moment. He and his mother depended on each other. He suddenly thought of his mother at home and said: "I plan to send the money from my part-time job to my mother. For the money for the subscription certificate, it is better to ask the boss what to do. Listen to him, It must be right, after all, he gave me this wealth. Even if I lose money, just treat it as a dream."

“The second lottery will be held in a few days, maybe we will be richer.

If I have enough money, I plan to buy a house in Shanghai and bring my mother here to live there. " Cui Xiaoqiang added that he has always dreamed of being a city dweller. In the past, he felt that the city was too far away from him, let alone the first-tier city Shencheng, which was out of reach.

Now, it feels very close, at least touchable and visible.

"Maybe it's good to buy a house. I'll ask the boss tomorrow. I trust him blindly."

"The boss has made a fortune this time, tens of millions of yuan, tsk tsk."

"He already has money, so he probably doesn't take it seriously. We are the only poor people who have never seen money and don't have much knowledge, haha."

"We owe the boss a huge favor and we will never be able to repay it in our lifetime."

Cui Xiaoqiang said with emotion: "The boss is our noble man. It is definitely right to follow him in this life. Don't do stupid things."

Wang Yifei commented: "Don't look at Xiaoqiang's silly appearance, but he is actually very smart, haha."

That night, they chatted very late and didn't go to bed until they felt sleepy at around three in the morning.