Chapter 37 Chapter 37 Spending Money Day 37
Fortunately, the mansion had excellent soundproofing. Even though Liu Yue ran around the room excitedly, as if she was experiencing a human regression, no one would come over to check on the situation because of the noise.
Liu Yue was excited for a long time before she remembered to open her phone to check the balance, but she did not receive any deposit information.
"System, why didn't you transfer the money to me?" It used to be transferred to my account within seconds!
System: "Host, are you sure you want to transfer 1 billion yuan directly to Alipay?"
Liu Yue: ...
That's true. She was so happy just now that she forgot about it.
She went to look for her bank card and wanted to report the card number to the system, but then she remembered that if it was a large deposit of 1 billion yuan, could she negotiate the interest rate with the bank?
Liu Yue didn't know the details, but she had come across information about this while surfing the Internet.
So, Liu Yue went to find Sang Yu.
She said to Sang Yu, "My parents want to give me a large sum of money. Can you help me choose a bank with the highest interest rate?"
Sang Yu: "No problem, I can talk to the bank manager about how much money you want to deposit."
"One billion."
Sang Yu paused: "But...what about your contract with You Jingchuan?"
Could it be that what she said about transferring the money immediately was a lie, and she actually just wanted to stop You Jingchuan from selling the house to make a profit through online signing?
"Oh, I'm keeping this money." Liu Yue quickly explained, "I'm talking about the other 1 billion. Don't touch the money for buying a house. I'll transfer it to You Jingchuan in a few days."
Another billion?
It was all in Chinese, but Sang Yu felt like she couldn't understand it. Even her view of money was a little shaken at this moment. Could it be that ten billion is a sum of money that can be easily taken out?
Liu Yue had already made up a story: "My mother gave me the money to buy the house. When my father heard about it, he was very unhappy. He felt that my mother had stolen the limelight, so he said he would give me 1 billion too."
Sang Yu:......
Okay, no problem, you have the money and you have the final say.
She thought for a moment, then asked Liu Yue, "Do you want to centralize your savings in a single bank or spread them out? Do you need private banking?"
Ten billion yuan is really a huge amount of money. Sang Yu did not rush to contact any bank. Instead, he pulled Liu Yue to sit down and patiently asked her about her fund management intentions.
Should she keep the entire life deposit, or should she deposit it in a fixed deposit with a higher interest rate? Is she willing to invest in financial products such as stocks and funds, further allocating her wealth through a private bank? Should she purchase real estate and gold, and exchange some of her wealth for foreign currency, to mitigate the risk of inflation?
It concerned 1 billion yuan, so even though Liu Yue was a little confused at first, she still listened very carefully.
In fact, she really wants to deposit it all in the bank and wait to earn the interest in the future, but if there is a way to get higher returns, she is certainly willing to try it.
Low returns mean low risks, high returns mean high risks. Liu Yue considers herself a conservative investor. She can earn less, but will try not to lose money.
So, she decided to take out 700 million yuan and deposit it in the bank, 500 million of which would be a fixed deposit and 200 million in a demand deposit. This amount of money definitely couldn't be deposited directly at the bank counter. Even if it was a dispersed savings, it was worth it for the branch manager to personally receive it.
Sang Yu analyzed the private banking business of three types of banks for her - state-owned banks are the most stable, joint-stock banks have rich equity, and foreign banks can deploy global resources and are more professional in cross-border services.
In line with the principle of not putting all your eggs in one basket, Liu Yue is willing to open several private bank accounts. After all, the threshold for private banking is not high, and you can apply with a few million yuan. She can definitely enjoy the benefits of multiple banks.
Among them, Sang Yu most recommends Bank of China and Ping An Bank. Bank of China was chosen due to Liu Yue's prudent investment mentality. State-owned banks are more guaranteed in terms of fund security. As for Ping An Bank, it was because of the resource integration services of Ping An Group.
Sang Yu suggested that when she discussed private banking business, she should also discuss the layout of the insurance and medical sectors.
High-end medical care can provide more privileges and more services, find more advanced treatment methods, and provide her with long-term health management.
Sang Yu had already looked up some information and originally planned to make a list for her after everything was prepared, but since she was going to allocate such a large sum of money now, she might as well take this matter into consideration first. After all, good health is the most important thing.
Liu Yue was very touched when she heard this. She had never thought of this before, but Sang Yu thought of it for her. Sang Yu is so nice!
"Let me buy you some insurance," she said.
Sang Yu shook his head: "Thank you for your kindness, but I will configure the most suitable insurance for me according to my own assets. This thing is not the more expensive the better."
Well, Liu Yue thought, I can only find another opportunity to give Sang Yu a bonus.
Tomorrow is New Year’s Eve…wait, tomorrow is New Year’s Eve?
Liu Yue suddenly realized that the Chinese New Year was coming soon.
It's not her fault that she suddenly lost her sense of time. After she returned from Chengdu, the nannies had already added New Year decorations to the house. At that time, there were still several days before the Spring Festival, which led her to think that there were still several days left before the Spring Festival...
Sang Yu was writing in the memo on her tablet. Liu Yue asked her if she knew that tomorrow was New Year's Eve. Sang Yu looked at her strangely.
"I know," she said. "Both nannies are locals, and they'll be on holiday starting tomorrow at noon. You mentioned earlier that you wanted to have hot pot at home on New Year's Eve. I've already made a list of ingredients. I'll purchase some tomorrow, and some will be airlifted over. I'll also have a chef team come to your house to make the hot pot base and prepare the ingredients."
Liu Yue: ...
She remembered that she had seen the list, but because it was too early, she kept thinking that there were still several days left...
No wonder You Jingchuan said that he hadn't lived in that house recently and the nannies were not there. It turned out that the Chinese New Year was approaching and he wanted to show up at the You family mansion.
Alas, it's because society has lost the flavor of the New Year, so she has lost her sense of the Spring Festival. If it were a child...
Forget it, those are all in the past, let’s not talk about them.
Liu Yue suddenly thought of something: "Chinese New Year is coming soon. You have to wait until after the Spring Festival to discuss various banking matters."
Sang Yu said that she could work during the Spring Festival, but the bank could not.
Liu Yue wasn't in a rush to get into private banking; she was simply concerned about the interest. Even if she didn't discuss anything else, if she deposited 1 billion yuan directly in the bank, the interest rate on current deposits at the Bank of China would be 0.05%. That would be 500,000 yuan a year, or over 1,000 yuan a day.
Alas, the interest rate on current deposits fell too quickly. Liu Yue remembered it was around 1.1%, but after checking, she found it was 0.05%. She couldn't believe it.
But more than a thousand yuan is still money, so Liu Yue decided to send her card number to the system first and let it transfer the money. After the Spring Festival, she would consider diversifying her savings and talk to the bank about the interest.
Sang Yu is still planning. 700 million will be used for deposits, 100 million will be used to buy stable funds, 50 million will be used to buy gold, and 100 million will be used to buy real estate. Liu Yue said that she wanted the kind that could collect rent.
Whether it is a house or a shop, she wants to experience the joy of receiving money every month.
Well... of course you can, even if you invest in surrounding cities. Anyway, rent is collected online now.
For the remaining 50 million, Liu Yue decided to talk to a professional investment consultant and diversify the investments into various aggressive and radical funds, also pursuing high-risk and high-return opportunities.
If she makes a profit, she'll be delighted; if she loses, the loss won't be a major blow to her. For a financial novice, this type of investment requires a mindset of "forgetting you have the money." Losses are to be expected, while gains are a pleasant surprise.
This is roughly Liu Yue’s plan. There may be adjustments during the actual operation, but the changes will not be too big.
Of course she has to save the cashback, and spend it with the system’s money, otherwise how can she complete her daily tasks?
So, when Sang Yu asked her if she wanted to set aside some money for renovation, Liu Yue said no.
To be honest, she said that You Jingchuan's decoration was not good in this way or that way during the negotiation just to bargain, but in fact she did not have many opinions on the layout of the mansion - except for the museum, which occupied too large an area.
Liu Yue's idea was to convert the museum into a collection exhibition space, preserving only a quarter of its original size, as her own dressing room was also quite large. Just because You Jingchuan was a man didn't mean he couldn't appreciate beauty. When he designed his own dressing room, every detail exuded exquisiteness.
As for the three-quarters of the area that was cut off... Liu Yue decided to add some partitions, replicate the entertainment room and Lego room there, and also design a special office for Sang Yu.
Sang Yu helped her calculate that the space occupied by these three functional rooms would not be too large, and half of it would be left for her.
Liu Yue hasn't decided what to do with this area, but she and You Jingchuan have agreed to hand over the house at the end of the month. She will give him enough time to remove his wine and art collections, and it won't be too late for her to start renovating the third floor then.
By the way, this month's property management fee will still be paid by You Jingchuan. Sang Yu specifically confirmed this with him, after all, it is more than 40,000 yuan.
Liu Yue thought that since her lease on this house would end in June, she was in no hurry to move out. So, of course, she would have to spend money systematically on renovations, bit by bit.
You say you want to lie low, but you still have to earn rebates.
Liu Yue thought that the private banking matter could only be started after the Spring Festival. Unexpectedly, less than ten minutes after the system transferred 1 billion yuan to her card, she received a call from the bank.
When the other party first introduced themselves, Liu Yue was startled. She thought there was something wrong with the money, after all, it was too large. Although her Class 1 card had no payment restrictions, the bank would definitely notice.
But her worries were in vain. She didn't know how the system did it, or how the bank verified that there was no problem with the source of her funds in a very short time. This time they called her to invite her to become a private banking client.
Well... Liu Yue said she is busy now and let's talk about it after the New Year.
The person who called her was the branch manager. Although she did not agree to the business, the other party's attitude was still very enthusiastic. He also asked for her address and said that he wanted to send her some New Year gifts.
Would a bank proactively give gifts to its customers? Liu Yue had lived for over twenty years, and this was the first time she had heard of such a thing.
She found it quite interesting and told him where her home was. The bank president then asked her if she wanted to travel after the Lunar New Year. He said there was a tour group going to Xinjiang that included food, accommodation, and round-trip airfare, all free of charge.
Liu Yue was shocked again. Would a bank invite its customers to travel?
The president heard hesitation in her tone and kindly told her not to reply immediately. If she wanted to go, she could just let him know.
After hanging up the phone, Liu Yue was a little dazed.
She told this to Sang Yu and asked her if the trip arranged by the bank was reliable.
Sang Yu: "In recent years, many banks have indeed taken private banking clients on trips, but whether the experience is good or not depends on the individual circumstances."
She told Liu Yue that some of the tours were organized by the bank itself, and were truly designed to maintain good relationships with private banking clients. The food, drinks, and entertainment were all top-notch, and the wealthy people in the group could also socialize happily.
But in some activities, or most of them, although the participants are private banking clients, they are led by insurance and travel companies.
Under the guise of promotions, they contacted high-net-worth clients from the bank. For a seven-day trip, they would arrange five days of shopping, and all of it was very expensive "local specialties."
Liu Yue: ...
The tricks of big cities are really deep. It turns out that free things are the most expensive, and the wool still comes from the sheep.
"But you don't have to worry."
After learning that Liu Yue had temporarily deposited all of her 1 billion yuan into the Bank of China, Sang Yu said to her, "You've saved so much, and the president personally invited you, so this must be a high-quality tour organized by the bank itself."
I have to say that this incident did make Liu Yue secretly happy, but bank activities all involved group activities, and she was not particularly interested in it.
If she wants to travel, she would be more comfortable traveling independently using the system's money.
"If you don't go, you can give the spot to someone else." Sang Yu reminded.
"The president told me I could bring relatives, but I... uh."
Liu Yue thought that if it could only be given to Liu Hui's family, she would rather waste it.
"It doesn't have to be a relative," Sang Yu said. "My dear, you have no idea how valuable ten billion yuan is. Even if you give a cat to the bank president, he will make sure it has a great time in Xinjiang."
"But I will move it out after the Chinese New Year. I won't leave it all there."
"Then the president will have to protect you as a client even more. This proves that you have the financial strength, but you just don't leave all the options to them."
Liu Yue thought so too, so she asked Lin Feiran, who loved traveling the most, in the roommate group if he wanted to go.
Lin Feiran was very tempted. A free trip! Even if it was a pitfall, she could still shoot a vlog about avoiding it. After all, a bank treat sounded like a hot topic.
Liu Yue had two vacancies, and Ke Yan also said she wanted to go, so the matter was settled.
Wen Huiyi wailed in the group chat. She wanted to go too, but she had to work...
Lin Feiran: [Aren’t you assigned to the tourism project? You can travel at public expense.]
Wen Huiyi: [That's work, not travel [tears][tears]]
Wen Huiyi: [I'm about to throw up just thinking about arranging everything for these celebrities, including food, clothing, housing, and transportation. Some artists love to take advantage. They bring a crew of 20 people to record a variety show. Why don't they just bring everyone in their family tree?]
Lin Feiran: [It shouldn’t be Qiao Yi [awkward][awkward]]
Wen Huiyi: [No, she’s a nice person]
Liu Yue: [By the way, where are you guys going to record the show? ]
Wen Huiyi: [Yunnan]
Liu Yue really wants to go to Yunnan. But it's almost Chinese New Year, so let's put off everything until after the Spring Festival.
The Spring Festival is the most important holiday in the hearts of Chinese people, and it is also a reason to "put everything on hold." Liu Yue happily made the decision and stepped on her balance bike to go to the entertainment room to play.
On New Year's Eve, Liu Yue won one million.
"My luck has been incredibly good these past two days," Liu Yue muttered. "Is it possible that I'll only win 10,000 yuan in the next month?"
If that's the case...according to the Eurasian conservation law, it's acceptable, but it's really frustrating.
Liu Yue was mentally prepared for this, but the one million came at the right time today.
In addition to the gifts she brought back from Chengdu, she also gave bonuses to the two nannies - although they had only been working for less than a month, Liu Yue was very satisfied with their service, and she had to show her appreciation during the Chinese New Year.
This year, the nanny’s bonus is 10,000 yuan, and around this time next year she will receive 3-5 months’ salary as a year-end bonus.
Liu Yue also said that she would give them a salary increase after the New Year, with a 10% increase for each person, which is 2,000 yuan, and there will be a chance for further increases next year.
Although Sang Yu had just received a bonus yesterday and she said she couldn't take it anymore, Liu Yue still contacted the Chow Tai Fook saleswoman she had contacted last time and bought a gold bracelet for more than 40,000 yuan after discount, intending to force it on her as a New Year's gift.
After all, Sang Yu doesn’t have a holiday during the Chinese New Year, so she should show some appreciation even if it’s just overtime pay.
Liu Yue also transferred 190,000 yuan into her small purse for daily expenses - after spending 1 billion to buy a house, her consumption level has undergone a qualitative leap, and the system has also upgraded the quota in this regard. Now she can reserve a maximum of 200,000 yuan in her small purse.
This was normal, after all, the property management fees, water and electricity bills for a luxury home were not small amounts. When Liu Yue chatted with You Jingchuan yesterday, she discovered that he usually didn't bother to ask about so many details, and would simply transfer money to an assistant, and another assistant would help him check the bills.
After the upper limit of the small purse was increased to 200,000, Liu Yue was particularly happy. She could once again take advantage of the system.
Although she doesn't have to worry about spending more than ten thousand dollars a day, it does feel better when someone else pays.
On New Year's Eve, Liu Yue also received a vest made of Shu brocade.
This vest features the Four Heavenly Kings hunting lion pattern, and the red color looks very festive, making it perfect for Chinese New Year. In the days after Liu Yue returned from Chengdu, she was constantly measuring various sizes and trying on several blanks. This one was the quickest to make.
The speed does not affect its quality. The stitching and workmanship of the sweatshirt are very good. The collar, cuffs and back are all fleece-lined, so it will not look bulky when worn.
This amount of fleece would freeze you to death in the north, but it’s just right in Shenzhen. If it were any warmer, you would feel too hot.
"It goes well with pants, too." Liu Yue said as she stood in front of the mirror. "It should be because the shape has been improved, moving towards a more fashionable style. I think it can be paired with pants or a horse-faced skirt."
Sang Yu took photos for her and recorded her dressing experience.
"Is there anything else that needs to be modified on this bodice?" she asked.
"No, I think this is fine."
Liu Yue said excitedly: "I'll wear this during the Chinese New Year!"
She originally wanted to ask Sang Yu if she had any new clothes in her closet that could match this bodice and had not been worn yet, but then she changed her mind and realized that she still had more than 700,000 yuan to spend today, so she decided to go to the mall and buy it.
Alas, she has to rush around to spend money on New Year's Eve. It's really hard for her.
Before leaving, Liu Yue received a gift from the bank.
How should I put it...it's quite rich.
There was rice, noodles, and cooking oil, as well as a stew pot and frying pan, a four-piece bedding set, dishwashing liquid, several boxes of toilet paper, Spring Festival couplets and red envelopes, and some local specialties...
There was also a gift box containing red wine, honey, a desk calendar, and a handwritten New Year's message from the bank president.
The property manager had to use a cart to carry all the stuff up there. Liu Yue looked at the pile and fell into deep thought.
The rice, flour and oil can be eaten slowly, and she doesn't need to use the two pots. The items in her kitchen are very complete and the quality is better than those given by the bank. The same goes for bedding; as for the ones mentioned later... well, they are also necessary daily necessities.
She said to Sang Yu, "Take whatever you need." Especially the two pots.
Sang Yu said that she basically doesn't cook, so she decided to give it to the nanny. This can be considered an invisible benefit for high-level nannies - wealthy employers often receive similar gifts, and major banks and insurance companies will not forget to give gifts to maintain relationships during various holidays.
These gifts are not too expensive, and the focus is not on the gift itself, but on conveying their attitude of caring about customers.
Liu Yue nodded. Actually, these things could be sold on a second-hand platform, but she was busy spending money every day, and an assistant with a monthly salary of 100,000 yuan was not worth spending her time and energy on such a small matter.
Moreover, giving the nanny more benefits can effectively reduce the probability of her being poached. Liu Yue was very comfortable with the service of these two aunts. If anyone poached them, she would really roll up her sleeves and fight with them.
Liu Yue thought that was all, but she didn't expect that when Aunt Zhang was sorting out her things, she also found two greeting cards and two gift boxes for her.
——This was not sent by the bank, it was sent by her parents.
Liu Yue was startled. She asked the system, "Are my parents real people?"
System: "...If he is not a real person, where does the host think the money you spent came from?" Could it be that it was conjured up?
Liu Yue: ...
That was true, but she had been linked to the system for over a month and had never met them. The system had also told her that she only needed to spend her money and didn't need to meet them.
As for this greeting card...she opened the top one first.
This one is from the United States and was sent by her "father".
It was all in English. Her father wished her a happy new year and a happy birthday. He also said that he had arranged a secretary and bodyguard for her, who would start work after the new year and would pay her salary.
"My birthday?"
Liu Yue murmured in disbelief: "Today is actually my birthday? I..."
The birthday on her ID card was in June, and she was taken home by her adoptive parents in June. For so many years, she always thought that her birthday was in the summer.
However, she was a child sent to an orphanage, and no one knew her exact date of birth.
——In addition to the system, there are also parents assigned to her by the system.
Liu Yue had mixed feelings in her heart. She did not rush to open the gift box, but opened another greeting card sent from Hong Kong.
"Mother" also wished her a happy new year and a happy birthday. I don't know if they had agreed on this, but she arranged a driver and bodyguard for her, who would also take up the post after the new year, and she would pay the salary.
Wait, driver?
Liu Yue felt like wiping her sweat. She hadn't passed the driving test yet and hadn't bought a car, but she had arranged a driver first.
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