money player

"Asuka, go upstairs and check the bath water."

"Hay."

After Asuka Imaizumi left, Xian Yaowen put his left hand on Kimiko Yamada's shoulder and walked towards the servant's room with her in his arms.

"Everyone has the right to yearn for a better life, including you, but you can't get what you want here." When they arrived at the servant's room, Xian Yaowen let go of Yamada Kimiko and raised his hand to touch her cheek. "Next time, don't show your intentions too obviously before you are sure. If you don't move, it's fine. If you move, it's thunderous."

Patting her shoulder gently, Xian Yaowen gave her his blessing, "Good luck to you and go to bed early."

After saying this, he turned away without paying attention to the complicated expression on Yamada Kimiko's face. He returned to the living room and waved to Ichimi.

After a while, a man came up to him.

"President."

"Keep an eye on her, give her three months' salary tomorrow morning, send someone to escort her out of the garden, then find a clean hotel, book a room, and pay one month's rent for her."

"Hay."

After giving the instructions, Xian Yaowen went upstairs and was helped by Asuka Imaizumi in taking a bath.

Halfway through the night, Yoshiko Matsuda entered the bathroom, sent Asuka Imaizumi away, took off her clothes, and squeezed into the bathtub.

He picked up the bath towel and started to wipe Xian Yaowen's body.

"Kimiko, is there something wrong?"

"She wanted to climb into my bed." Xian Yaowen said with his eyes slightly opened.

Matsuda Yoshiko smiled and said, "This is normal. Takano-kun doesn't like her?"

"Her eyes are too long, and she will easily see things she shouldn't see in the future. She is in her prime, and I can't bear to let her lose her life for no reason. When hiring servants, be more careful. I won't allow strangers to stay by my bed."

"Hay."

Yoshiko Matsuda put down the bath towel, got into Xian Yaowen's arms, pushed back hard, and made Xian Yaowen lie on his back.

"Takano-kun, I met with Machii Hisayuki yesterday to discuss the handicaps of the powerboat race. He is interested. Let's discuss it in detail next time."

"Ah."

"The Tosei Society wants to dominate the nightclubs in Ginza, and Machii Hisayuki invites Matsunaga Trading Company to invest."

"Arrowwood was there?"

"Yes."

“How many shares does he want?”

"20%."

"so little?"

"Mr. Charlotte said he only kept 5% for himself."

Xian Yaowen concentrated on his thinking and soon thought of MacArthur's imminent departure and the peace negotiations that were already being promoted. The Allied occupation of Japan would soon end and Japan would regain its status as a sovereign state.

"Fangzi, prepare to do two things. First, go to Naha to buy land along the area where American soldiers go out of camp for entertainment. Second, East Asia Trading Company should prepare to move to Naha and establish its headquarters in Naha before the end of the year."

Yoshiko Matsuda's breathing became rapid. "Is the occupation of the Alliance Headquarters going to end?"

"It should be soon." Xian Yaowen patted Matsuda Yoshiko's belly, "Do you want to have fun first and then talk, or have fun after the talk?"

Yoshiko Matsuda's face blossomed with a smile like a flower bud in spring, her hair caressing Xian Yaowen's chin, and she leaned in to flirtatiously, "Do we have a whole day tomorrow?"

"one day one Night."

"Talk about work."

"Ah."

After taking a shower and putting on pajamas, they went to the cigar room on the second floor, poured themselves some iced whiskey, and talked quietly together.

“Once the occupation is over, the Allied Headquarters will cease to exist and may be reorganized into the Asian Command or the Far Eastern Command, which will only control the military in the East, and the sovereignty of people’s livelihood and economy will return to the cabinet.

We have a long-term cooperative relationship with the Charlotte family. Arrowood knows when to advance and when to retreat. This time, they did not ask for too much. We want to return the favor and give them another 5% of our future shares."

"Hay."

"After my business trip, I will stay in New York for a few months to sort out the industries there. When I am done, I will come to Tokyo. We will buy a piece of land near the Aokigahara Sea of ​​Trees in the Fuji Five Lakes and build a holiday cabin ourselves. Then we can take walks and fish during the day and mate at night until you get pregnant."

Yoshiko Matsuda turned around and hugged Xian Yaowen's neck, "I'll have someone build a wooden house, and we can move in right away when you get here."

"No, we'll build it ourselves. Just prepare the carpentry tools first."

In his previous life, Xian Yaowen participated in building a tree house for himself to play in as a child. When he grew up, he built hunting cabins and holiday cabins. He knew everything from digging foundations to laying wooden floors. It was just that his skills were a bit rough, so he could only make do with what he lived in. When he went out to work as a carpenter, he could only be considered an apprentice.

Yoshiko Matsuda nodded.

"In the next few months, you will open up the bank's channels, and Matsunaga Shinman will be able to lay eggs with his own money. Annual profits will increase fivefold this year."

"If we get the bank's money, it won't be difficult to increase profits tenfold."

“Don’t set your goals too high. Blind business expansion can easily lead to mistakes. Moreover, we must always be cautious and vigilant in our relationship with banks and never cross a red line. Even if the bank’s funds are withdrawn, we have the ability to maintain business operations. We can suffer certain losses, but we must not collapse completely.

Remember to always stick to one principle: your lifeline can only be in your own hands. Don't pin your hopes on others, and don't have a fluke or gambling mentality. Winning a thousand or ten thousand times is meaningless. If you don't change your gambling nature, you will always lose. Once you lose, everything is gone. "

"Hay."

"Secondly, we need to improve the structure of Matsunaga Real Estate. On the one hand, we need to recruit experienced staff, and on the other hand, we need to recruit this year's graduates from universities. March is the graduation season, and we need to contact the six universities: the University of Tokyo, Kyoto University, Tohoku University, Osaka University, Tokyo Institute of Technology, and Waseda University. As long as they are outstanding graduates, it doesn't matter if there are too many.

The development and growth of trading companies cannot be separated from talents, and most of those who can enter these six universities can be regarded as talents. "

"Hay."

"After the war, ruins of war were scattered across cities and towns in Japan, and there was a serious housing shortage in various places. According to a survey in 1945, there was a shortage of 420 million houses nationwide.

Therefore, the government issued the "Outline for the Construction of Emergency Simple Housing in Disaster-stricken Cities", which clearly defined the housing supply target of providing 30 reconstruction homes in war-torn areas. Funds were directly allocated from the national treasury for housing construction to promote the rapid recovery of post-war living standards.

However, after a few years of economic recovery after the war, rural population began to pour into cities, and with the increase in family income levels, the contradiction between urban housing supply and demand has intensified. How to ensure the growth of housing supply and solve the housing problems of the middle and low-income groups has become the main goal of housing policy at present and in the next decade.

In order to achieve this goal, the government resumed and increased the construction of danchi, enacted the Housing Finance Corporation Act, and established a housing finance corporation to provide citizens with long-term, fixed, low-interest housing construction loans to support private housing construction.

In addition to individuals who build or purchase private housing, the public treasury's loan recipients also include individuals who build housing for rental or sale, local housing supply communes, private real estate developers, and companies engaged in old city renovation.

Individuals applying for a public housing loan must meet income requirements: monthly income must be at least five times the monthly repayment amount. At the same time, they must also provide documentation to prove that the housing they plan to build or purchase meets the technical standards set by the public housing fund.

The treasury is backed by central government funding and can provide qualified loan applicants with loans of 60% of the total construction or purchase costs. The loan repayment period can be up to 35 years with a fixed interest rate.

I checked and found that the number of houses built with government housing loans last year was over 8, and this year’s number will be much higher. In addition, individuals who built or purchased private housing accounted for 85% of the total loans.

Xian Yaowen gently stroked Matsuda Yoshiko's belly and said, "The difference between the interest rates of individual and company loans is a bit large. If you apply for a loan in your own name and spread it over 35 years, the interest rate is almost negligible.

I say this because as the economy of Japan continues to develop, the purchasing power of the yen will rapidly depreciate.

With the current loan interest rate of Toyo Bank, as long as I borrow money from the bank and the repayment period is three years or more, I have a way to make money from the money. The profit can not only cover the interest, but also increase a large amount of funds and assets. "

Yoshiko Matsuda's eyes lit up. "While I'm doing the PR for the bank, should I also negotiate the loan?"

"Don't worry about this, we'll talk about it later. Let's talk about the public treasury first." Xian Yaowen paused and continued, "The House of Representatives is discussing the Public Housing Act, which stipulates that solving the housing difficulties of low-income people is the responsibility of local governments.

The state provides financial and technical assistance to local governments in the supply of public housing, and systematically provides low-rent public housing for groups with housing difficulties.

The beneficiaries are housing-insecure families whose income is in the bottom 33% of the income distribution, and the main providers and managers are local governments.

The provision methods include new construction by local governments, purchase or leasing from the private sector by local governments. Depending on the different providers, public housing is called metropolitan housing, prefectural housing, county housing, municipal housing, and town housing.

Now is the best time to develop Songyong Construction's construction team. As long as they can get the project, the construction team can continue to grow, even if it develops to a scale of tens of thousands of people.

However, the number of permanent employees cannot be too large. The number of employees required for the company's own long-term projects should be used as the basis. Employees exceeding this number should be dispatched or hired temporarily. The company must not bear too heavy a burden on employees. "

After lighting up his cigar and taking a puff, Xian Yaowen continued, "The seniority system and the lifetime employment system have both advantages and disadvantages. The advantage is that they came into being, and the cohesion and loyalty of the employees are relatively high. The disadvantage is that it is not fair to the new employees, and fresh blood is easily buried. In the long run, it will lead to the company's lack of competitiveness.

In the short term, Matsunaga Trading Company does not have to worry about the drawbacks, but I have high hopes for Matsunaga Trading Company. I hope it can be like Kongō-gumi, still exist 1300 years later, and still be controlled by the Matsunaga family.

Therefore, there are some things we must consider comprehensively and in the long term. After two or three years, I will make a comprehensive overhaul of Matsunaga Trading Company, especially the personnel system. "

"Everything is decided by Kono-kun." Yoshiko Matsuda whispered.

"Once the construction team is formed, its business will include contracting public housing. You should have a group of assistants and secretaries around you to share your work and be responsible for executing your instructions.

In particular, you will need the assistance of one or several public relations government agencies and the liaison with professional bureaucrats of the 'general positions', while you only need to focus on the 'special positions'.

With the assistance of professional bureaucrats with public relations capabilities, public relations can be carried out at local governments at all levels.

By the way, trading companies should not sign employment contracts with the assistants, nor issue labor condition notices. It is best to keep the employment relationship verbal. If a labor condition notice must be issued, a new company should be registered in the name of an unrelated person and the new company should issue it.

"Takano-kun, if something happens to the assistant, the trading company cannot deny the responsibility."

Xian Yaowen patted Matsuda Yoshiko on the thigh and said, "Talk to a lawyer more often in the future. The law is about evidence. If everyone believes that he is guilty and there is no evidence, he is not guilty at the legal level.

It just so happens that the jury system in Japan has been abolished, and we are in a relatively upper class, a class that protects the interests of the bureaucratic class. We have strong class power. If the law dares to deal with us today without evidence, it will dare to deal with our peers from other classes tomorrow.

In this way, everyone is in danger, which leads to everyone uniting to abolish the laws that allow people to be arbitrarily controlled, that is, to reshuffle the bureaucracy and replace it with new bureaucrats who act in accordance with the law.

Every game has its rules. What I just said may seem like trying to cover up the truth, but in fact, I am following the rules of the game.

No matter whether the rules are good or bad, no rule can be absolutely fair. There will always be people who take more and people who suffer losses. The rules only need to run for a period of time before they will reach a delicate balance.

Without absolute power to break the old rules and establish new rules that are absolutely beneficial to oneself, as a member of the vested interest class, one should maintain its balance. "

"Hay."

"The second business is to develop our own rental properties. There is no need to explain this. It mainly considers the building coverage ratio and volume ratio for future reconstruction. We try to develop our own land in more remote areas, and hold the land in busy areas until the best time for development.

The third business is the most complicated, which is to acquire "individual" qualifications, take advantage of the individual's extra-long repayment period and low interest rates, build residential houses for individual rental or sale, and build private housing. "

"You mean buying someone's housing qualification?"

"Yes." Xian Yaowen nodded. "Let's have a good talk with lawyer Nakamatsu Kennosuke and design a chain agreement to make this matter legal. As long as the right price is offered, many people will be willing to sell their qualifications."

"Is it really possible?"

"Yes, but it is very complicated and there will be some troubles. However, the 35-year repayment period is too tempting. If we operate it properly, we can make huge profits."

The two chatted for a long time about Matsunaga Construction.

Japanese real estate can be leveraged for a long time, and the more time goes by, the more good things you can get. According to the time node, the golden period is about 35 years, which is quite a coincidence.

After real estate, the next step is to grab the exchange rate and the stock market. After going through the whole process, it is not a daydream to grab 35 to billion US dollars. On average, it will be several billion per year in years. It will be a waste if you don’t grab it. (End of this chapter)