"She always makes promises, but never keeps her word." In He Xin's opinion, her mother has zero credibility and is not trustworthy at all.
Zhang Ping gritted her teeth and made up her mind, "You will be the one keeping the family savings! This way, even if I want to spend money, I won't have any."
"It's useless." He Xin said quietly, "If you're willing, you can borrow it from someone you know."
"I'm serious this time!" Zhang Ping swore, "From now on, I won't trust anything except bank deposits."
Originally, there was a hint of secret dissatisfaction in my heart, but now I was so flustered that I couldn't care about anything.
"It would be great if you could keep your promise. If you can't, I will pack up and move out immediately." He Xin said word by word.
"No, no, no." Zhang Ping made assurances again and again.
**
At this point, the matter of investing in collectibles has come to an end.
Zhang Ping was frightened by her daughter, so she followed the rules every day and didn't dare to do anything wrong.
Without being bothered by trivial matters, He Xin could finally take a breath when she got home from get off work.
More than half a month has passed in a flash.
One day, Zhang Ping went to a teahouse to watch people playing cards, and suddenly she noticed that a few familiar faces were missing. She was curious and asked, "Where are Lao Xu and Lao Liu? Why aren't they there?"
"Don't mention it!" Aunt Li, a poker player, said quickly, "They are both retired. They learned how to invest, but their retirement money was swindled out of them! Recently, they have been running back and forth between the investment company and the police station, saying that they want to get their money back."
Poker buddy Lao Jin sighed, "How can we get our money back? The scammer ran away long ago."
"Some time ago, they kept talking about how much money they made, and I almost got tempted."
“Looking back now, I realize that you were thinking about their high returns, but they were thinking about your principal!”
Zhang Ping was horrified when she heard this. "Why are you so careless? You've lost all your pension money. This is no small matter."
"Greedy!" Aunt Li curled her lips. "I advised them before that the annual interest rate of that thing starts at 30%, which sounds unreliable."
"Not only did they not believe me, they thought I was jealous of them making a lot of money."
"Now, all the money has been taken away! Wouldn't it have been fine if you had listened to the advice earlier?"
"We were not rich to begin with, and we only had so much money for retirement. Now it's all been defrauded. What are we going to do in the future?" Zhang Ping felt worried for them when she heard this.
Old Jin teased, "They bought a lot of collectibles. Not only can they rely on them for retirement, but they can also be passed down to their descendants as heirlooms!"
Zhang Ping was startled and subconsciously asked, "What collection?"
"That scam is designed to trick the elderly into buying collectibles, saying they have investment value and the price will double in a year or two." Lao Jin briefly explained, "Lao Xu and Lao Liu were just greedy for the promised returns, and ended up losing money."
Collectibles scam?
Zhang Ping's heart was pounding and her lips were dry. "What's the name of that investment company?"
Lao Jin was unsure, "I think it's called Yu? Anyway, it's on the second floor of XX Street, specializing in investment in collectibles."
Hearing this, Zhang Ping's heart immediately sank.
She also felt sorry for Lao Xu and Lao Liu, and never expected that she almost fell into the trap!
That investment company was the place where she spent 220,000 to buy dragon and phoenix gold jewelry!
Holding onto a glimmer of hope, Zhang Ping deliberately said, "That company? Impossible, right? I heard that the company is very rich and the decoration is very luxurious."
"You don't understand this, do you?" Aunt Li said confidently, "This is how you can deceive people!"
Zhang Ping pursed her lips and asked, "How did Lao Xu and Lao Liu find out that they were cheated?"
"It was agreed that the collectibles could be sold back to the company in the future, but the store just decided not to open anymore," Aunt Li said while shaking her head.
"Old Liu bought it early, but he still couldn't avoid this pitfall. Old Xu is the one who is pitiful."
"You know what? He bought a collection a few days ago, and changed his mind three days later. He wanted to return it, but when he entered the company, he was shocked - the office building was deserted, and it looked desolate as if it had been vacant for several months."
"If running away with the money isn't a scam, then what is?"
"Where's the staff's phone number?" Zhang Ping asked anxiously.
"I can't get through." said Aunt Li.
"Is there any other way to contact you?" Zhang Ping asked.
Aunt Li rolled her eyes. "If you can contact someone, it's not called being cheated!"
"They just suddenly disappear, and when their collections are sold to others, no one wants them. Only then do the victims realize it's a setup."
"Old Liu and Old Xu have already gone to the police station to report the case. I heard that after asking around, they found that there were thousands of victims, and the amount involved was hundreds of millions, all of them retired old men and women."
Zhang Ping was cold all over.
The facts are in front of us and we have to believe them.
This is a financial scam that deceives people.
If my daughter hadn’t acted decisively and returned the jewelry the next day, I would have lost more than 100,000 or 200,000 yuan and had to borrow money from others. I feel like dying!
"So, we should not be too greedy." Old Jin said sympathetically, "It is safest to keep money in the bank. As for the rest, you are old now, don't mess around."
Zhang Ping remained silent, listening to Aunt Li and Lao Jin talking to each other. She felt as if she had been slapped countless times on the face, and it hurt badly.
She sighed and thought to herself that she really didn't seem to be destined to be rich. She could do nothing except hinder her daughter.
**
In the evening, He Xin returned home and keenly noticed that the atmosphere in the house was different.
"What's wrong?" She was secretly alert.
Although my mother has been well-behaved for a while, there's no telling when her old illness will recur.
Zhang Ping sighed, "Today I went to a teahouse to watch people playing cards, and accidentally learned that my card-playing friends had been defrauded of their money. Others said that the deceived people took out all their savings to buy collectibles, but in the end the store said they were gone..."
He Xin reacted immediately after hearing this, "Is that the store where you bought the gold jewelry?"
Zhang Ping nodded. "That's the one. I went over to take a look afterwards and found that all the stuff had been moved out and the staff had already run away."
He Xin didn't find it strange at all, "Didn't I tell you earlier that this was a scam?"
Zhang Ping opened her mouth, but couldn't say a word.
She was persuaded, but she didn't believe it at all. It was not until this moment that she realized that the kindness and friendliness of the staff were all fake.
What my daughter said was right. I had been making excuses and making all kinds of excuses before because I just didn’t want to pay her back.
When she heard that Lao Liu and Lao Jin had been cheated, she initially thought that they were not careful enough. But when she realized that she had almost been cheated, she realized that it was not that she was not careful, but that she was really defenseless.
Zhang Ping's mind was in a mess. The only thought in her mind was, "Xinxin, I will listen to you from now on!"
Judging from the current situation, her daughter is much smarter than her.
He Xin didn't know whether her mother was telling the truth or not, so she just responded casually, "Well, listen to me, just put it in the bank for a fixed deposit, and don't buy anything else."
**
Spring goes, autumn comes, winter is approaching, and in the blink of an eye, half a year has passed.
Looking back, He Xin was surprised to find that this time her mother was serious.
For a full six months, she behaved herself and did not cause any trouble.
He Xin sighed, "It's finally quiet."
While working hard and making money.
As the end of the year approached, the company held an annual meeting to review the gains and losses of the year. He Xin attended with the idea of "getting a free meal".
The company leader looked back on the past, looked forward to the future, and gave an impassioned speech.
He Xin was distracted and drowsy the whole time.
Suddenly, the leader raised his voice and said in an extremely excited tone, "In order to commend outstanding employees and motivate everyone to work harder in the new year, the company has decided to give equity rewards to the following five people!"
After saying that, he listed a series of names.
He Xin was among them.
While stunned, He Xin signed the equity transfer agreement with others.
The atmosphere suddenly became heated.
"The company will not mistreat any of its outstanding employees!" the leader said with great force, "Next year, the top five salespeople in the group will also receive equity incentives!"
The employee's cheeks flushed with excitement.
Many people secretly made up their minds to work hard next year.
He Xin held the agreement in her hands, feeling a little overwhelmed.
**
After the annual meeting, He Xin returned home and locked herself in the room.
"Did you anticipate that the top five salespeople would receive equity rewards?"
He Xin was talking to the air, and the scene looked quite scary.
The next second, the man in the suit appeared and said, "Yes."
He Xin looked a little confused, "What is equity? Can I not have it?"
Yun Luo: "This is a good thing."
Yun Luo: "Owning shares means that you have become a shareholder of the company."
"What does it mean? What's the use?" He Xin was extremely confused.
There is no plan to "hold equity" in her life plan.
Yun Luo: "For example, if the company's market value is 1 billion, and you own one ten-thousandth of the shares, it's like a group of people forming a company and you contribute 100,000 yuan to join."
"Real estate has been hot in recent years, and real estate companies have developed rapidly. If everything goes well, in a few years, the company's market value will be 2 billion, so one ten-thousandth of the shares will be worth 200,000."
"If the profit is considerable, the company will not use all the profit for development, but will take out a part of it for dividends. If you hold one ten-thousandth of the shares, you can get one ten-thousandth of the dividend amount."
He Xin concluded, "That is to say, I hold one ten-thousandth of the shares, and one ten-thousandth of the company's annual net profit belongs to me."
Yun Luo: "That's right."
He Xin was shocked, "This is a huge sum of money!"
Yun Luo: "To motivate employees to work hard for the company?"
Yun Luo: "It is a period of rapid development. If every salesperson works hard, the company's market value may double in a year."
Yun Luo: "Compared to the substantial increase in equity value, the small amount given away is nothing."
Yun Luo: "What's more, only the top five salespeople get equity rewards. Giving out some equity and retaining talent will be good for the company's long-term development."
He Xin thought about it and asked, "Can I cash it in?"
For example, selling the equity back to shareholders at the current price.
Yun Luo: "...Theoretically, it is possible, but it is not recommended unless the host intends to resign and leave the company."
The purpose of giving equity incentives is to retain talent, so what is the point of selling equity? When the company leaders think back on this in the future, they will inevitably feel uncomfortable. Maybe some good development opportunities will be left to others.
"Forget it then." He Xin was disappointed. "I've gotten used to the job, the salary level is satisfactory, and I have good relationships with my colleagues. I feel pretty good here."
Yun Luo: "It's free anyway, just take it."
Yun Luo: "The dividends at the end of each year add up to a considerable amount of income."
Yun Luo: "If the company grows to a certain size and rings the bell to go public, we will make a fortune."
He Xin smiled bitterly, "Don't mention 'getting rich' to me, it makes my stomach hurt."
Yun Luo, "..."
This year's host is really fresh and unpretentious.
The author has something to say:
The company founder rings the bell at the Shanghai Stock Exchange or the New York Stock Exchange, and then the news reports say: Such and such company has gone public.
Ringing the bell is an important ceremony before a company goes public.
After listing, the Shanghai Stock Exchange will set the price and divide the total share capital. (For example, if a stock has a total of 1 billion shares, holding 1/10,000 of the shares = owning 100,000 shares, which can be bought and sold)
Total share capital*market price per share=total market value of the company
**
Reader A's Science:
All the major insurance companies' reimbursement insurances have recently waived the deductible, waiting period, and restrictions on some hospital visit insurances. It can be said that it is the most cost-effective to buy now. In addition, I know that several insurance companies have launched insurance products for the new crown, 98 per insurance, no waiting period, and 200,000 compensation for death or total disability caused by accidents + new crowns. It can be said that everyone should have a must-have insurance.
**
Reader B Popular Science
Last year, our bureau received more than three million yuan in complaints from elderly people who were sold artworks that appreciated in value and later asked for refunds but were unable to do so. The county's economy ranks fourth from the bottom in the province, and it's just a small county.
The police couldn't file a case, so they pushed it to us, but we couldn't get a lot of money back. Some companies simply quit, and because they couldn't find any information, they tried to cooperate with the police and other counties and districts, but it didn't always work.
This is a trick to deceive the elderly. They are lonely and alone, and these salesmen come to visit them again and again, calling them uncle and aunt in a friendly way. They bring some fruits and eggs, come a few more times, and for less than a hundred yuan, they cheat the elderly out of hundreds of thousands of yuan of retirement savings to buy art. It is hard to say whether it is worth the price and whether it has appreciated.
[The scam in the article is similar to this case, with many victims in the past two years]
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