Chapter 131 Chapter 131 Investment
Su Shengnan had never thought that he would have anything to do with the word "entrepreneurship".
But after these two words were associated with the skills she had learned and mastered, she felt that starting a business was not so out of reach.
Of course, the prerequisite is that she has the start-up capital.
As for other entrepreneurial risks, such as the possibility that the current job may not be able to continue, unstable income at the beginning, or even no income, etc., she does not think that these are very difficult things.
Her family is not well off, and what she lacks most is starting money, but she can always find ways to solve other problems.
As for the unstable income, when she had no income before, the family could still make ends meet, but was a little poorer than it is now.
Her family's situation is better now than it was then, because her grandmother's pickled radishes are delicious and have been supplying them to her master's restaurant, which is a stable income. In addition, her mother works outside and sends money back on time every month.
The town is also developing a tourist attraction, so her family will be able to get some dividends every year. Whether her father and grandmother work for the tourist attraction development company or sell small items at home, they should be able to make money.
So in fact, as for her family, apart from the fact that they could not provide her with the initial start-up capital for her business, nothing else would hold her back.
She also knows how to make rules and manage people, which she learned in Zhao Ruyue's store.
At the beginning, she was the only employee in the store. Later, more and more customers came and the workload became heavier. Zhao Ruyue didn't want to be so tired and didn't like to exploit her employees, so she gradually hired several people.
After hiring someone, she was busy with the repair work herself, so she promoted Su Shengnan to be the deputy store manager.
Su Shengnan has watched with her own eyes as Zhao Ruyue's store develop step by step to its present state, from one employee to several employees, with more and more customers, and the commissions they receive are sometimes even several times their basic salary.
When Zhao Ruyue promoted her to deputy store manager, she didn't know how to manage people.
But when he really got this position, in order to get the extra salary for promotion and met a tolerant boss, Su Shengnan slowly learned how to behave.
Ever since she saw the business card Ning Shiqiu gave her that day, the idea of opening a maintenance service company has taken root deeply in Su Shengnan's heart.
Ning Shiqiu didn't take the business card back. Su Shengnan took it out and looked at it every day. The more he looked at it, the more he couldn't stop thinking about starting a business.
She couldn't help but calculate how much money her family could come up with. She had a few thousand yuan in savings, and her mother probably had some savings as well, but her family definitely didn't agree with her starting a business.
Because they felt the same as she did before, that it was something out of reach, that she was an ordinary person, a girl at that, and should just work steadily for her master, get a stable salary, and not mess around.
Without her family’s support, her mother would definitely not give her her savings to start a business.
Of course, if she insists, her family won't try to stop her. They will probably adopt an attitude of neither approving nor disapproving.
But she definitely couldn't find help by looking within, so she could only look outside.
Su Shengnan mustered up the courage to find Zhao Ruyue and said, "Master, after careful consideration, I still want to start a business."
Zhao Ruyue was not surprised by Su Shengnan's decision. Su Shengnan's father was ill and her mother was relatively gentle and weak. Her family situation made her develop a tough and strong character.
This girl is also very proactive, unless she doesn't want to do it.
When the faucet in her house broke, she thought her boss knew how to fix it, so she decided to come over and learn from him.
After Zhao Ruyue and Ning Shaoming returned from Yangcheng, they used part of their money to buy a house in the best location in the county.
Considering that they would use the house as a retirement home in the future, they bought a two-story villa. After paying the down payment, they left some money for the initial renovation.
There was less than 400,000 yuan left from the demolition compensation, which was then lent to Ning Shichun and Ding Yong to buy a shop in the county town.
Ning Shichun had less savings, so he borrowed more. Ding Yong had the support of his family, so he borrowed less. Both of them planned to open their own shops next year.
They also helped Ning Shaoming train the successors, and once they become independent, their successors will be able to immediately take up their vacant positions.
This time, their search for a shop in the county town was much better than when Zhao Ruyue and Ning Shaoming first looked for one.
After all, Zhao Ruyue and Ning Shaoming have established themselves in the county. They know more people and have more sources of information than before. Moreover, after they bought a house in the county, they can always get the latest news about real estate in their community first.
Shops in the community are also given priority to homeowners. The shop purchased by Ning Shichun is in the community where Zhao Ruyue’s newly purchased house is located.
The shop that Ding Yong bought is also in the community where the house his parents bought for him is located.
After lending them money to buy shops, Zhao Ruyue bought two more shops by herself, and the remaining money was less than 100,000.
But she counted the things she bought and felt that money was really valuable in this era.
Zhao Ruyue was not surprised that Su Shengnan would come to see her.
Zhao Ruyue also knew about her family situation.
However, when Su Shengnan came, Zhao Ruyue had less than 100,000 yuan in demolition compensation left, of course this did not include the income from their store.
After taking out a small portion of the income from the store for daily expenses, Zhao Ruyue saved the rest.
Zhao Ruyue knew that inflation would increase in the future and money would become less and less valuable, but the family still had to keep some savings for emergencies.
When she saves more in the future, she will buy another house. After all, she doesn’t know how to make other investments, but she must have savings.
Zhao Ruyue knew Su Shengnan quite well. This girl was very reliable and had good character. Some people would default on borrowing money if they could, while others would pay it back even if they had to live frugally and had to eat coarse food.
Zhao Ruyue thought Su Shengnan was the latter, so she didn't say much.
She asked Su Shengnan directly: "How much money do you need? If it's more than 100,000, I don't have that much on hand. If it's less than 100,000, I can lend it to you." She didn't plan to touch her savings.
Su Shengnan shook his head and said, "Master, I'm not here to borrow money."
This surprised Zhao Ruyue: "Have you gathered enough start-up capital to start your business?"
"No."
"Hmm? So the reason you came to see me today is..."
Su Shengnan was a little embarrassed, but still said firmly: "I'm actually here to solicit investment."
This surprised Zhao Ruyue again: "Attract investment?" This didn't sound like a word Su Shengnan would say.
Zhao Ruyue thought of her son instigating others to start a business: "Was it that kid Xiaoqiu who taught you this?"
"Yes," Su Shengnan was very honest in front of Zhao Ruyue, "Xiao Qiu said that it is better to recruit people to join the partnership than to borrow money. If I encounter problems in the future, I can ask partners for help. He also invested 20,000 yuan in me. I didn't agree immediately and told him that he had to ask you and you had to agree."
Zhao Ruyue asked in surprise: "Twenty thousand? Where did he get so much money?"
Su Shengnan also asked Ning Shiqiu this question, but he didn't say anything. Su Shengnan told Zhao Ruyue truthfully: "I don't know about this. I asked him but he didn't tell me."
“It seems that minors cannot invest.”
"Probably not. Xiaoqiu said that he would invest in his father's name, but he would pay for it himself."
Zhao Ruyue was helpless: "I don't know where this kid learned all that. I guess his dad doesn't know about it, otherwise he wouldn't have told me. I'll ask him later when he gets home from school."
Although she decided to let her child do what he wants, as a parent she still needs to know about such a big thing even if she doesn't interfere.
Zhao Ruyue looked at Su Shengnan: "How much money do you still need?"
Su Shengnan asked happily: "Master, are you willing to invest?"
"Well, I am very optimistic about you and your entrepreneurial project."
"Thank you, Master. I will try my best!"
Su Shengnan's own savings plus this month's salary was exactly 10,000 yuan. Ning Shiqiu invested 20,000 yuan, and Zhao Ruyue invested 70,000 yuan.
After raising a starting capital of 100,000 yuan, Su Shengnan will continue to work for Zhao Ruyue for a month, waiting for Zhao Ruyu to select a suitable person to replace her. At the same time, she will also earn an extra month's salary so that she can have some living expenses on hand.
This month, she did not give up taking orders and doing private work because of the incident with the obscene man before. She was just more cautious and strict when choosing clients than before, and generally only accepted orders from single female clients.
There aren't many orders like this in the county. After Zhao Ruyue found out, she said with emotion, "It would be great if you were doing this in a big city. There are more single women living alone in big cities. Their business alone would be enough to support your company."
Zhao Ruyue didn't know that these words left a mark on Su Shengnan's mind. When she was perfecting her business plan, she took this as one of the development directions of her company.
We will implement it only when the company is established and has a firm foothold in the county and needs to expand outward.
After Su Shengnan left, Zhao Ruyue went to the next door to find Ning Shaoming: "Do you know that your son invested in others under your name?"
Ning Shaoming was confused: "What did Xiaoqiu do?"
As expected, he didn't know yet. Zhao Ruyue told him what Su Shengnan had told her. Ning Shaoming's surprised look showed that he obviously knew less than she did.
But Ning Shaoming suddenly remembered something: "After you helped us buy things online, didn't Xiaoqiu want to buy something too? So he asked me to help him get a U-Shield, saying that he wanted to buy things online himself, so I helped him."
After he said that, Zhao Ruyue also remembered that Ning Shaoming had asked her about this matter, but she didn't pay attention to it. She also thought that if the child wanted to buy something, then just do it.
Zhao Ruyue guessed, "He wouldn't have made the 20,000 yuan by investing in other people's businesses online, right?"
She was sure that the pocket money given to the two children in the past two years was a little more, but it was not as much as 20,000 yuan, and their New Year's money was less than 20,000 yuan.
Ning Shaoming: "When we go back to have dinner this afternoon, we'll ask him and we'll know. It's no use guessing now."
"Too."
After waiting until the afternoon, Zhao Ruyue went back to pick up her child from school, but she asked about this matter before she even got home.
Ning Shiqiu kept it a secret: "I'll tell you when we get home. It's hard to tell now."
After returning home, Ning Shiqiu took her to the computer, then skillfully turned it on, and then opened a game.
Zhao Ruyue was very confused. Wasn’t he supposed to know how he made money? Why did you open the game?
But her doubts were soon answered.
After Ning Shiqiu opened the game, he opened a shopping mall page: "I made money by selling in-game items through the shopping mall. This is relatively small because my sister and I earned it together. We took turns to spend time on tasks and each got half of the money.
But we all have to go to school and don’t have that much time to play games, so we only earn so little. Others earn more than us. ”
He then opened another page. Zhao Ruyue was more familiar with this page, as it was a website for online shopping.
"I used my father's ID card to register a store online to help people who don't speak English well translate some information. Some people don't speak English well, but want to see what the foreign stars they follow have posted on social media platforms, or want to buy things on foreign shopping websites, and some want to make friends with foreigners or have a fight with them.
These are not difficult to translate, so I help them translate and can earn a little money. However, there are few customers in the online store now, and my time is limited, so I can't take many orders. Currently, the money earned from the online store is not as much as that from the game. ”
In fact, they earned more than 20,000 yuan. Given Ning Shiqiu's personality, it was impossible for him to invest all the money at once and leave nothing for himself and his sister, so he only invested less than half of his savings.
After reading it, Zhao Ruyue didn't know what to say, and didn't ask them how much money they made.
When she heard Su Shengnan say that the advice on starting a company and investing was given by her son, she thought her son was so genius that he could make money through remote investment on the Internet at such a young age.
But on second thought, it's not easy for him to make money through games and online stores at such a young age.
Ning Shaoming was so proud that he couldn't help rubbing his son and daughter's heads: "How come you have such small heads? You can make money at such a young age, it's great!"
Ning Shiqiu's hair was messed up by his big hand, and he quickly hid to the side: "I didn't come up with this way to make money out of thin air. This game was played by Saw with me. The inspiration for opening an online store came from my mother's store. Saw also has a share, and we split the money equally.
Anyway, opening an online store is not like opening a real store. Opening a real store requires buying a store, hiring employees, and purchasing goods, but an online store only requires a deposit of one thousand yuan.
I just happened to have the money, so I thought giving it a try would just cost me some time and energy. Even if I failed, I could get my deposit back and I wouldn't lose anything, so I decided to give it a try.
My sister and I are still learning programming from an online acquaintance. That person said that once we learn it, we can use it to make money in the future. ”
When Ning Shiqiu talked about making money, he spoke so clearly and his eyes lit up.
He is not short of money, but he just likes the process and feeling of making money.
Zhao Ruyue really couldn't help but accept it. Some people, even if they were not reborn, were born with a keen sense of smell and could accurately step on the wind.
but……
"Do your netizens know that you are still primary school students?"
Ning Shiqiu: “…” He was annoyed by the fact that he had not grown up yet.
Sometimes before going to bed I always think, it would be great if I could grow up to be an adult tomorrow!
Ning Shixia: "I don't know. We didn't tell them. They thought we were high school students. Mom, would you be angry if we did this without telling you?"
"I'm not angry, I'm just worried that you'll be tired."
Both children shook their heads: "We all think it's fun and not tiring at all."
These are two high-energy kids who treat everything as a game.
Zhao Ruyue didn't say much, nor did she stop them from continuing. After all, they had been doing a pretty good job, tinkering with various things on the Internet, going to school, and going to bed early and getting up early every day. It was impossible not to accept it.
But I can't help but remind them to be careful when identifying things online, not to be cheated, and to get enough rest and not to get too tired.
Don’t handle anything by yourself. Tell your parents and let them go play.
After Su Shengnan resigned, Zhao Ruyue selected a new deputy store manager, but she became busier and busier.
Because there were more and more customers in the store, especially those who came to get their things repaired, she could no longer handle it all by herself.
Zhao Ruyue couldn't help but think of her classmates in night school. There were several female classmates in her night school class before, but later due to various reasons, there were only two left, one of whom was herself.
Although the others were unable to continue working part-time, they learned a lot and their abilities are not bad.
Zhao Ruyue took the time to contact the families of those female classmates who did not continue their studies.
Two of them did not continue reading because they were about to have children due. They gave birth one month apart.
When their child was one month old, Zhao Ruyue attended the full-month banquet. Calculating the time, their child is now three or four months old.
There was another classmate. When Zhao Ruyue called her, she said that she and her husband had returned to their hometown and opened a repair shop. They were living a decent life now.
Zhao Ruyue didn't say on the phone that if she wanted to invite her to work in her store, she only went to find the other two.
The other two were somewhat interested. They both had low education and they originally went to study this just to learn a skill so that it would be easier to find a job in the future.
The money they used to learn the technology was also the salary they had saved from their previous jobs, but plans cannot keep up with changes, and life is always full of unexpected things.
Zhao Ruyue's classmates caught her and started complaining: "I also want to go out to work, but as you can see, there is no one in my family to help take care of the children. After I got married, my parents-in-law urged me and my husband to have children, saying that we should have children early while they are still young and can work, and they can help take care of the children.
As a result, they went to Pengcheng to work with their relatives while they were still young, leaving my husband and I in our hometown to take care of the children in a hurry.
My husband was also very unhappy. If we had known this would happen, we would not have had a child so soon. We should have waited until I finished my studies and started earning money, and then we could save more together and buy a house in the county before having a child.
Now, I am dragged down by my children and cannot go out to work for at least two or three years. I have no income, need to ask them for money, and have to live according to their wishes. ”
Distance does not separate relatives. Zhao Ruyue was not in a position to comment on her in-laws. When she heard that this classmate finally mentioned work, she hurriedly said, "You can take the children out to work."
Her classmate laughed and said, "What boss would be willing to let employees bring their children to work? You wouldn't want that either, would you?"
Zhao Ruyue: "I do!"
"Look, you too...ah?" Zhao Ruyue was stunned. "What did you say?"
Zhao Ruyue smiled and said, "I said, if you come to work for me, I'd like you to take care of the kids."
Her classmate's first reaction was not to be happy, but to worry about her store's business: "Will that affect your business? Although my child won't cry when he's not hungry or has a bowel movement, it's still annoying when he does cry occasionally."
Zhao Ruyu, on the other hand, thought it was nothing: "Anyway, the things that need to be repaired in my shop are not large household appliances that need to be carried around or climbed up and down to repair. I just sit at the table and repair things all day long.
Don't let your child touch or put accessories in his mouth. When your child is crying, take him out to comfort him in time so as not to disturb the customers shopping in the store. ”
The child will not always be so young. When the child is three or four years old and sent to kindergarten, she will have two more skilled workers in her store who will feel a sense of belonging to the store.
Zhao Ruyue was not worried that they would be poached by others, unless they went out to work on their own. Otherwise, how many bosses would be willing to let their employees pick up their children from school during the work day?
"If that's the case, I'm willing! Lan Juan would definitely be willing too! Her parents-in-law are even worse. They left her brother-in-law's family to take care of the child, and now the child has grown up, they say they can't leave and don't want to let her take care of the child. Moreover, her family's conditions are even worse than mine. I heard that she doesn't have enough milk, so she needs to buy milk powder for the child. That milk powder is so expensive. Her husband is the only one earning money now, and she is almost worried to death."
Zhao Ruyue felt more relaxed when they were willing to go: "Then we have a deal. You are not allowed to stand me up. I will notify you to go to work after my new store is set up. The working hours can be flexible as long as you can complete the workload for the day. I have to go to Lan Juan, so I'll leave first."
Her classmates wanted to invite her to dinner, but when she thought about the fact that there was no good food at home and it took her a long time to buy a piece of meat, she decided to give up. She decided to wait a few days for her family to come and see her, and when they gave her some gifts, she could give her some fruits grown by her family.
"Okay then. Take your time."
Zhao Ruyue went to another classmate again, and not surprisingly, listened to this classmate's complaints for a long time.
She was somewhat numb from listening to them, but she also understood their predicament, so she was neither impatient nor indignant to join them in cursing their in-laws. After all, joining in the cursing would not help in solving her classmates' current situation.
Zhao Ruyue simply brought the topic to work, describing to them and guiding them to imagine the happy days when they would work and earn money and have money in their hands without having to worry about it. Naturally, her classmates complained less.
After knowing that he could bring his children to work, the classmate agreed without surprise.
After all, no one wants to always live a life of hardship. If she doesn't seize this opportunity, she will regret it when she gets up in the middle of the night to feed her baby.
After Zhao Ruyue dealt with the repairman, she immediately started to renovate the branch.
If the decoration is completed earlier and the customer flow is diverted there, she will be more relaxed.
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