After leaving the capital and returning to Shanghai, Yun Qiao kept weighing the pros and cons of opening a clinic and a beauty salon in his mind.
Opening a clinic would be a relatively stable path. She already had a successful experience. Even if she directly copied the successful experience when she arrived in Beijing, the result would not be too bad.
Opening a beauty salon was an unknown project for her. Although the prospective profits were huge, the initial investment was even more expensive. The pressure of investing hundreds of thousands of dollars alone was enough to make her breathless.
Yun Qiao was very hesitant.
She carefully calculated the profits of the clinic and the joint savings of herself and He Tingjun, and found that the total was only a little over 100,000. In this case, the amount of money Yan Jingwan would have to invest in partnership might be two or three times more than hers.
If it was her own fault, the worst that could happen if she lost money was that she could start over. But this time, she was in partnership with Yan Jingwan. Using the money that Yan Jingwan had worked so hard to earn from running the garment factory, Yun Qiao couldn't help but be cautious, fearing that if she wasn't careful, all of Yan Jingwan's investment would go down the drain.
Yun Qiao hesitated for a few days, and took advantage of He Tingjun's weekend break to call him and discuss the matter.
He Tingjun encouraged her: "Yun Qiao, since you think this is a promising business, just go for it boldly. I believe in your vision and I support you in doing it."
"As for the money issue, if you're worried that your sister-in-law has invested too much and is under too much pressure, you can apply for a loan from the bank."
"At the beginning of this year, the Industrial and Commercial Bank of China issued a loan policy for individual businesses, which explicitly allows banks to provide low-collateral loans to qualified individual businesses."
"Don't worry about losing money or anything like that if you fail. I can cover the cost for you."
Yun Qiao sighed: "How can you help me cover the loss? This is hundreds of thousands of dollars."
Although He Tingjun was promoted quickly, his fixed salary was only a small amount. In a year, the total amount was less than 5,000 yuan.
Yun Qiao didn't mean to look down on his salary. After all, it was 1985. At that time, a salary of more than 4,000 yuan a year was definitely a high-income group. It was just insignificant compared to going into business.
He Tingjun said, "There's something I haven't had time to tell you. A few years ago, the house that my ancestors took over was returned to us. Last month, my parents transferred it to my name. This house is in a prime location and is now worth around 120,000 yuan. If we mortgage it to the bank, we can get at least 100,000 yuan. So, our savings plus the 100,000 yuan loan will make up for the total of 200,000 yuan. She will make up the remaining balance. This way, she won't have to invest more than you. Wouldn't that reduce the pressure on you?"
Yun Qiao nodded: "This way the pressure is a little less."
She still has a profitable clinic, so Yan Jingwan doesn't need to invest so much money. Even if she loses hundreds of thousands of dollars, she is confident that the clinic's profits will earn back the money she lost in the next few years.
Thinking of this, Yun Qiao felt much more at ease.
With the support of He Tingjun and the loan secured by the house, the funding problem of opening a beauty salon has been solved.
It was difficult to explain over the phone, so Yun Qiao went to the capital again to inform Yan Jingwan of his decision and plan.
Yan Jingwan smiled and replied, "You've been very thoughtful. Let's make it a deal. We'll each contribute 200,000, so we'll jointly invest 400,000. You'll be fully responsible for the operation, and I won't be involved in management. I'll only be responsible for collecting dividends at the end of the year. This way you'll have an extra share, and we'll split the profits 60:40. You get 60, and I'll get 40:40."
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