Taylor asked Hardy what the Mafia was like, and Hardy couldn't help laughing. This girl is quite curious.

Hooked a finger at Taylor.

Taylor came over quickly, and Hardy whispered in Nizi's ear: "I am the Mafia, are you afraid?"

Taylor's eyes widened.

Showing a shocked expression.

“Hahahaha~~~!”

Hardy laughed.

Taylor immediately realized that Mr. Hardy was teasing him.

"Actually, there's nothing mysterious about the Mafia. They're all human beings. I do know them. Don't tell this secret to anyone." Hardy whispered in Taylor's ear.

When speaking,

Hardy's breath sprayed on the girl's ears, making Taylor feel itchy.

When she raised her head, her face was slightly red.

"Mr. Hardy, how long will you stay in New York?" Taylor asked.

"You may have to stay for a few more days. We have some business to take care of here." Hardy was talking about the TV factory.

Mike strongly agreed with the installment payment model he proposed and decided to sell according to this model. Mike was responsible for finding a cooperative bank. With the connections of the Corrion family, finding a cooperative bank was not a difficult task.

Another thing is that Ava Gardner and her team are coming to New York soon. The "Red Dead Redemption" crew is promoting the film in major cities, and New York is the last stop. After the promotion in New York is over, "Red Dead Redemption" will be officially released.

Hardy planned to wait for them here, see if he could help, and then go back together.

Taylor was amused to learn that Hardy was going to be in New York for a while, so she could see Mr. Hardy occasionally.

"Then can you come to see me often?" Taylor asked in a coquettish tone.

"Of course, as long as there is time." Hardy agreed with a smile.

After dinner, Hardy took Taylor home. The girl was reluctant to get out of the car, so the two chatted in the parking lot, talking about how they acted these days and what problems they encountered. They were in high spirits.

Hardy looked at Taylor and said, "It's late, and you have a supporting role tomorrow."

Taylor looked at Hardy with some resentment, "I just want to stay with Mr. Hardy for a while longer."

Hardy touched Taylor's hair and said, "Don't worry, I said I won't leave during this period. I will come to see you as long as I have time."

Taylor looked at Hardy, gave him a quick kiss on the cheek, jumped out of the car and ran towards the hotel, happy as an elf.

......

Mike reached a cooperation agreement with Citibank in New York to develop an installment loan business for selling televisions.

As soon as Hardy came back, Mike told him the good news.

The old Godfather had a very good relationship with a vice president of Citibank, so he called the other party personally. After listening to the Godfather's plan, the other party felt it was very good. The bank was responsible for handling the business and providing an interest-free loan for the purchase of televisions, and the TV manufacturer would pay the interest. This was a very good business for the bank, a stable profit.

And there are two more benefits.

The first is to increase business volume.

If there are a thousand people handling this business, they are equivalent to making a thousand loan orders. If there are ten thousand people, that is ten thousand loan orders, which invisibly increases a large number of customers.

Don't underestimate small customers. They are still customers. Once these people become familiar with Citibank and accept its services, they will think of Citibank first when they need to apply for loan business in the future.

The second is to expand publicity.

As this business develops, Citibank will inevitably receive attention. The TV manufacturer promised to place advertisements in newspapers, and Citibank is one of the cooperating units, which is equivalent to advertising for Citibank invisibly.

The next day, the New York Times had a front-page ad with the headline "Take a 0-dollar TV home. Act now if you're interested."

The photo is of a beautiful TV.

Advertising Introduction,

New York's Mabel TV factory will cooperate with Citibank to provide interest-free loans for the purchase of televisions.

Ordinary people make a down payment of 30%, or thirty-eight dollars, and repay the remaining loan in nine months, at ten dollars per month, without having to pay a penny of interest.

Military personnel enjoy greater benefits. They can take the TV home directly without paying a penny. The loan is paid in 12 installments, with monthly payments of $10 and a final payment of $17 in the last month.

The only requirement for purchasing a television set is to prove a regular source of income.

Inside the TV factory, a truck was pulling out TVs. Mike looked at the truck driving away and said to Hardy:

"We have 3,000 TVs in stock in our warehouse now. I hope all of them can be sold out within half a month."

"Mike, you're too conservative. I don't think it will take more than a week," Hardy said with a smile.

"A week? So fast?" Mike asked in surprise.

"In fact, I've said it too much every week. Don't underestimate people's desire to buy. People have always had a strong desire for entertainment, but they didn't buy it because they didn't have money. Now there is a chance to get a TV at such a discount, I believe many people will be tempted." Hardy said.

Citibank has eight branches in New York.

Someone noticed that a long queue had formed in front of the bank early in the morning, stretching as if there was no end in sight.

Passersby asked curiously.

"What are they doing, is Citibank going to collapse, people are lining up to withdraw money?"

"Didn't you read the newspaper? There's interest-free loans for buying TVs in installments. These people are all lining up to buy TVs. I heard that military personnel can buy them with 0 down payment."

"0 down payment, not a penny?" The man was stunned.

"Yes, it's free to get the TV. You just need to pay $10 a month. But you must have served in the military."

The man immediately became excited. "I just retired last year, so I am eligible. My wife has long wanted to buy a TV, but it is difficult to come up with so much money at once. This activity is really great."

"Then I advise you to go home quickly to get your military ID and bring your work certificate. Look, there are so many people lining up here. If you're late, you might not be able to get it."

When the man heard this, he left in a hurry.

The bank finally opened.

The staff were also startled by the huge crowd. Customers swarmed forward, all of them coming to buy TVs.

"I want a TV. I have a job and this is my down payment." A man took out his work certificate and a few dozen dollars and handed them to the staff.

The staff quickly helped him with the formalities, and the man happily took the TV away at the door with his certificate.

Another person came forward and took out his military ID and work certificate. The staff directly processed the loan procedure. This former soldier really took away a TV without paying a penny.

Mike and Hardy drove to the bank door. When Mike saw the hot scene, he was stunned.

"Hardy, you're right. People's enthusiasm for buying is really high." Mike said with a sigh.

"It looks like our inventory won't last more than three days. What should we do next?" Mike frowned again.

Hardy smiled.

"That's easy. For those who can't buy the TV this time, we can ask them to apply for a loan in advance and leave their address. If they are in New York, we can deliver the TV to their door when it's produced. If the distance is too far, we can call them and ask them to pick it up."

Mike thought it was a great idea.

First day.

Eight bank branches handled more than 1,500 transactions, and half of the televisions were sold out. The next day, the sales were even more popular, and the remaining 1,500 sets were sold out before the afternoon.

After hearing the report, Mike muttered, "I thought I could last three days, but now I can't even last two days."

At this moment, Mike was just excited.

Soon, news came from the bank that many customers who failed to buy TVs were now blocking the bank and refusing to leave, saying that there were too few TVs and they wanted one too.

Hardy had given Mike an idea before, and Mike arranged it calmly, asking the bank to continue with the loan business and telling customers that they would be notified to pick up the TVs once they were produced, and that this activity would continue.

Now the customers who were stuck in the bank finally calmed down, and people continued to apply for loans. After all, there was no interest and it didn't matter if they waited a few more days.

factory office.

Mike, Professor Ward and Hardy, the three shareholders, are all here, listening to the manager's sales report.

After the sales manager reported the current situation, the three bosses were very happy.

Mike smiled and said, "We have sold out all the 3,000 units we had in stock. The bank has processed more than 2,000 pre-loan applications today. The activity has not stopped. I believe that orders will continue to come in."

"Our TV production cost is $58, the wholesale price is $85, and our profit per TV is $27. Although we have to pay the interest, advertising fees, and possible future losses through direct loan sales, our sales price is $127. Overall, it is much higher than the wholesale profit."

"I estimated that with an annual output of 40,000 units, the original profit was 1.08 million, but now the profit can be increased to about 1.6 million."

Mike looked at Hardy and said, "Hady, your idea not only greatly increased our sales, but also increased our profits by more than 30%. I have to say that you are the most powerful sales genius I have ever seen."

"We are partners. I own half of the company. If the company makes money, it means I make money," said Hardy.

Everyone smiled.

Mike continued, "Hadi, I have an idea. We can expand production. Our TVs are selling so well. The bank has a large loan contract. We can use the contract as collateral to borrow money from the bank."

"My idea is to start production of 17-inch TV sets. I have calculated with Professor Ward that a production line for 17-inch TV sets costs about $800,000, and the annual output is about 20,000 sets. I plan to start production of two sets of 17-inch TV sets directly, with an annual output of 40,000 sets. Then our scale can reach 80,000 sets. What do you think?"

Hardy knew that Mike would be unable to resist expanding production, which is a common problem for almost all entrepreneurs.

"I agree," said Hardy.

Hardy knew that television represented the future direction of entertainment and that this business would not be out of date for at least several decades, so it would be difficult to lose money.

Mike was so enthusiastic, how could Hardy possibly stop him?