It is not accurate to say that we have no money. In fact, we do not have much liquid funds on hand.

When the state-owned enterprise was raising funds for the second round, Zhou Chuhan did not even keep 3-6 months of emergency funds, but invested all his savings in one go.

Now the 200,000 yuan that I invested in the company's project has been frozen, and the total balance in my bank card, including dividends and income from my main job and part-time job, is 65,000 yuan.

This amount of money is only enough for a down payment on an ordinary house. If you want to buy a house in a better location or a bigger house, the money is not enough.

On the other hand, after paying the down payment, all your savings will be wiped out. If you buy a house with a loan, you will have to repay the loan on time every month.

Without the dividends from the delicatessen, with only income from my main job and part-time job, I suddenly became financially tight and under increased pressure.

"Why didn't you say it earlier?!" Zhou Chuhan was angry and anxious.

Yun Luo: "The opportunity just came."

Yun Luo: "Didn't I tell you before that there are no good investment projects for the time being, and the only thing to do is to wait?"

Yun Luo: "You said you would follow my instructions exactly, did you do it?"

Zhou Chuhan was speechless.

She suddenly realized that Yun Luo was right. Without knowing the reason or the principle, it was hard to wait patiently.

For example, she lost her patience after waiting for three months and could not wait to invest all her savings in what she thought was a good project, fearing that she would be too late.

Zhou Chuhan felt mixed emotions. After a while, he took a deep breath and asked, "You don't recommend me to participate in the unit's fundraising because you expect housing prices to rise?"

Yun Luo looked at him with a "are you kidding me" expression, "The system doesn't have the ability to predict the future."

"Why is that?" Zhou Chuhan asked.

Yun Luo: "Host, it's enough for you to know the answer, you don't need to know why."

Holding a grudge.jpg.

Zhou Chuhan had to humble himself and apologize, "I was wrong. I was too naive before, thinking that with the system, I could reach the pinnacle of life without working hard. Now I realize that I am not capable enough, and even if others point out the way to wealth, I may still miss the opportunity."

The little man in the suit looked at the host quietly, as if judging whether she was truly repentant.

"I want to know where I went wrong." Zhou Chuhan requested sincerely, "I will listen to whatever you say from now on and will not make any unreasonable requests. Please, tell me the analysis process."

Yun Luo thought for a moment, then slowly said, "I said, I have an aggressive investment style."

Zhou Chuhan: “?”

She didn't understand why the system brought up the topic of investment style.

Yun Luo went on to say, "For conservative investors, state-owned enterprise fundraising and an annualized interest rate of 10% are good investment products. But for me, this return is far from enough."

"I expect an annualized profit of 30%, 50%, 100%, or even higher. Such projects are not common, and you need to be patient and wait for opportunities to appear."

"If you participate in the fundraising plan, you will not be able to withdraw the funds for the next three years. Once an opportunity arises, you will have to watch yourself miss it."

Hearing this, Zhou Chuhan was greatly shocked.

But then she thought again, "What if I wait for three years and the opportunity doesn't come?"

Yun Luo: "That's the opportunity cost of waiting."

The so-called opportunity cost refers to the maximum benefit given up in the production of other products when a certain amount of economic resources is used to produce a certain product.

For example.

If farmers plant corn, they cannot plant sweet potatoes. The opportunity cost of planting corn is the given up income from planting sweet potatoes.

For example, after getting home from get off work, do you watch TV series to relax or read books to prepare for an exam?

The opportunity cost of relaxing is giving up on taking the exam.

Or, if you have a savings of 10,000 yuan, should you buy a money fund, buy insurance, or sign up for a course?

Choosing among many options means giving up other possibilities.

Yunluo, on the other hand, gave up the 10% annual fixed income and insisted on waiting for better investment opportunities.

"An annualized return of 30% is not low." Zhou Chuhan muttered.

Yun Luo smiled lightly, "Real estate, stocks, futures, spot, gold... The more fields you are proficient in, the more investment opportunities you can find. It is a low probability event that there are no suitable projects in all fields within three years."

Zhou Chuhan was speechless.

This is probably the calmness of capable people.

Zhou Chuhan suddenly remembered the crocodile eating.

Usually, crocodiles stay quietly in the water, as if taking a nap. Once they see the right opportunity, they will jump up and bite their prey tightly!

After that, all it needs to do is have a good meal.

Zhou Chuhan thought that if she could hear the system's analysis in advance, she probably wouldn't be so impatient to invest all her funds into the fundraising plan.

At least 30%-50% should be retained.

While thinking about it, I heard Yun Luo say faintly, "Do you think that you just missed the opportunity to buy a house?"

Zhou Chuhan was slightly startled, "What else?"

Yun Luo: "In half an hour, I will be leaving."

Zhou Chuhan was stunned.

Yun Luo: "You could have studied hard, delved deeply into a certain field, and become an elite, but you didn't."

Yun Luo: "You missed a great opportunity to learn."

"Wait a minute!" Zhou Chuhan was very surprised, "Where are you going?"

"By the side of the next host." Yun Luo replied.

Zhou Chuhan: "What about me?"

Yun Luo: "The host is not at risk of bankruptcy at the moment, so the system is not needed."

Zhou Chuhan stared at the little man in the suit, speechless for a long time.

She had hoped so much that the system would go away, but now that they were about to part, she felt reluctant to leave.

Zhou Chuhan racked his brains, trying to keep her, "Didn't you say that with the system, the host would have a better life? You're in such a hurry to run away before you've fulfilled your original promise?"

Yun Luo corrected, "I said that if you make good use of the system, the host will have a better life. If you use it improperly and miss the opportunity, the host should reflect on himself."

This is not the system's fault. The system is not responsible.

Zhou Chuhan, "..."

Without waiting for the host to refute, Yun Luo continued, "What's more, the host's situation is much better than when we first met. Have you ever thought about what you would be like today if you hadn't met me then?"

Zhou Chuhan thought without hesitation, "What's the difference? It's just working in a state-owned enterprise, working part-time after get off work, and then..."

At this point, she couldn't continue, like a stuck machine.

Yun Luo continued, "Then the deposit was misappropriated and you had no idea."

"Qian Yuchen asked you to borrow money, and then you found out that your savings had been used to buy a house. You got furious and took back your savings, and then lent out 20,000 or 30,000 yuan."

"A few months later, the delicatessen business is on track and the funds are recovered. Qian Yuchen will return the principal you borrowed, plus some interest at most. No matter how much money he makes in the future, it has nothing to do with you."

"After that, the company raised funds from employees, and you invested all your savings. How much savings did you have at that time? If you lived frugally and added the interest on the deposit, you would probably have 100,000 or 110,000 yuan."

Zhou Chuhan remained silent.

Yun Luo continued to analyze, "This is still good."

"If your mother had just brushed it off and only lent you an extra 20,000 yuan when applying for a business loan, you probably wouldn't have known that your savings were gone."

"Lend the money to Qian Yuchen, and get back the principal and interest in a few months. When the state-owned enterprises raise funds later, how much money can you raise to participate?"

Hearing this, Zhou Chuhan took a breath, a chill rose in his heart, and his hair stood on end.

Yun Luo smiled as she looked at the host and said word by word, "Even if we live frugally, plus the 20,000 that Qian Yuchen returns, the total amount will not exceed 60,000."

"It was then that you realized that your mother had already used her savings to buy a house."

"So you can only take your only 60,000 yuan to participate in the state-owned enterprise's fundraising, and then you have to start all over again, saving money like a fresh graduate, to accumulate the first pot of gold in your life."

"It would be even worse if you found out that your deposits were gone after you applied for a business loan. You can't get a single cent back. Even if your parents wanted to pay it back, they wouldn't be able to do so in a short time due to cash pressure."

"If I don't make it clear, the host doesn't seem to realize how miserable his situation would be if he hadn't met me."

Zhou Chuhan moved his lips and wanted to argue, but after a long time he couldn't utter a word.

As the person involved, she knew it very well. If she hadn't met Yun Luo that day, she wouldn't have doubted her mother's words.

After all, if a child has not been deceived or badly cheated, which child would be wary of his or her biological parents?

In this way, the result is obvious - her mother can get rid of her by borrowing an extra 20,000 yuan. She will not know the truth until the unit raises funds.

...Just to save some interest money, investment opportunities are forced to be missed, and the mother-daughter relationship will probably be consumed to the point of being almost gone.

After all, the reason why I could easily forgive my mother this time was largely because not long after, the savings were returned in full, and I even received extra subsidies from my old father.

If she needed money and her mother couldn't give it to her, she would have to tell her the truth. She really couldn't imagine what kind of quarrel would happen in the family then.

The more Zhou Chuhan thought about it, the more frightened he became, and he couldn't stop feeling scared.

The funny thing is that before the system brought it up, she had never thought about it carefully and just thought that the matter was over.

Yun Luo: "Meeting is fate, I have a few words for you before we part. If you think it makes sense, listen to it, if not, forget it."

Zhou Chuhan forced himself to cheer up, "You tell me, I will remember it well."

Yun Luo: "Life is like a game. Every time you reach a fork in the road, you will always encounter different options. If you always choose the worst one, you will only end up with a bad ending."

“Persist in doing the right thing, and your situation will get better and better, and your wealth will accumulate more and more.”

“Once you make a mistake, life will punish you.”

Zhou Chuhan listened carefully, with a look of understanding in his eyes.

Yun Luo paused for a moment, then continued, "Some people start out behind, but seize the opportunity and cleverly counterattack; others start out with a good hand, but play it badly, and end up being worse than others."

"Until the last moment, there is no certainty of winning or losing."

“May you be the ultimate winner.”

As soon as he finished speaking, Yun Luo disappeared.

Looking at the empty and extremely deserted room, Zhou Chuhan felt lost and vaguely regretful.

The author has something to say:

Q: How to pay social security?

A: 1. The company pays

The contribution base is the employee’s average monthly salary in the previous year.

To put it simply, the employee's salary will be determined by the level of payment.

Taking pension insurance as an example, the contribution ratio is 20% for the unit (all transferred to the unified fund) and 8% for the individual (entered into the employee's personal account).

Two or three hundred will be deducted from the monthly salary before it is received, which is used to pay social security. Of course, if the salary is high, you still have to pay taxes.

2. If the company does not pay, the individual pays by himself

As a flexible employment person, you can pay for the three insurances by going to the social security center in your place of household registration.

For example, the payment ratio for pension insurance is 20%, of which 8% goes into the personal account and 12% goes into the social pooling fund.

After paying the pension insurance premium for 15 years, men aged 60 and women aged 55 can receive a monthly pension. (Ordinary female employees can receive it at the age of 50, ordinary female cadres can receive it at the age of 55, and flexible employment personnel can receive it at the age of 55)

[This is the current policy. People born in the 1980s and 1990s will experience delayed retirement]

3. If the company does not pay, the individual can register with the company

What does it mean? It means to find a local company to register (there are some on Taobao) and lie that you are an employee of this company (but you don’t actually work in the company).

The fees are paid together, and the money is paid by the individual (company + personal part, a total of 28%), and sometimes a small registration fee is also required.

The advantage is that flexible employment personnel can only pay three insurances, while affiliation can pay five insurances and one housing fund. (People who need maternity insurance or want to use housing fund loans to buy houses often do this)

The downside is that individuals have to pay 28%, which is too expensive.

[And after the new tax law is implemented, the affiliated company will become two sources of income, and the tax will be calculated together. People who originally did not have to pay taxes may have to pay taxes after taking into account the income from the affiliated company. ]