Siheyuan: A Very Happy Era

Chapter 651 Difficult to deal with
"Now I'll never be short of money again!" Li Guoqiang looked at his account balance on the bank app, feeling slightly dazed.

Not long ago, he was working day and night for a monthly salary of over ten thousand yuan and an annual bonus of over two hundred thousand yuan.

Now, he has earned a total of 300 million yuan by selling just 100 bottles of medicinal wine, achieving financial freedom in one fell swoop.

With this sum of money, as long as he doesn't spend it on things like private jets and yachts, it's enough for him to live a carefree life.

Moreover, with the tax payment certificate that Young Master Ma helped him obtain, he didn't have to worry about not being able to explain it to his family.

At that time, he could easily say that he got the wine at a bargain price and then sold it to Young Master Ma.

The only problem to consider is that this amount of money is far too much for an ordinary family.

It's best to lay the groundwork first, and then find an opportunity to talk to your family.

Otherwise, he was genuinely worried that he might scare his family.

Before he could even figure things out, the bank called him, inviting him to come in and upgrade his account, enable large transfers, and access various investment services.

Among them, both the sweet and respectful voice on the phone and the ingratiating attitude made him deeply feel the allure of money.

In the past, whenever he went to the bank to handle any business, he not only had to take a number and wait in line, but he also had to watch helplessly as others cut in line and entered the VIP room.

The stark class divisions evoked a profound sense of unease and indignation.

Unexpectedly, he has now become the kind of person he once hated.

To be honest, this feeling is actually quite enjoyable.

Soon, he drove to the bank, and as soon as he entered the service hall, he saw the bank manager's assistant, who had been in contact with him, standing there in a black uniform waiting for him.

At first glance, he noticed the pair of very high-quality black stockings.

"Hello, Mr. Li, thank you for taking the time out of your busy schedule to come." Ruan Muning extended her slender, fair hand and gave Li Guoqiang a warm smile, a hint of curiosity flashing in her eyes.

As far as she knew, Li Guoqiang's bank account had a maximum of only two or three hundred thousand yuan in savings in the past.

In the past few days, several million and several hundred million yuan have been deposited into the company.

If these weren't all public-to-private transfers with clearly marked business details, it probably wouldn't be her receiving Li Guoqiang, but Uncle Hat instead.

"It's alright, we're all going to come here anyway." Li Guoqiang smiled slightly and replied softly, then took the lead and walked into the bank.

Upon seeing this, Ruan Muning quickly took a few steps forward and led the way, taking Li Guoqiang to her office.

The main reason she was so proactive and enthusiastic was that she found that Li Guoqiang had no debts or investments.

In other words, all of the more than 3 million yuan in Li Guoqiang's bank account were idle funds.

This undoubtedly gave her a lot of room to fight for it and also gave her tremendous motivation.

Soon, she brought Li Guoqiang a bottle of Evian mineral water, then gently put her long, shapely legs together and sat down next to him.

If you pay attention, you should be able to see many rare sights.

However, Li Guoqiang didn't seem interested in admiring the scenery. He took the water bottle, casually placed it on the table, and then asked softly, "Miss Ruan, may we begin now?"

“Okay! This is the agreement for upgrading your account level and enabling large-amount transfer permissions. You can take a look first.” Seeing Li Guoqiang’s attitude, Ruan Muning felt slightly disappointed, then quickly nodded and handed over the agreement she had prepared.

"Sign here, right?" Li Guoqiang glanced at the agreement, found no problems, and readily picked up the pen to sign it.

Upon seeing this, Ruan Muning's eyes lit up slightly, and she took the opportunity to hand Li Guoqiang another agreement for exchanging deposits for loans.

"Mr. Li, based on your current account level, we can now offer you a black card with a limit of 50 million yuan, with an interest-free period of up to 58 days, and no annual fees or restrictions on the number of transactions. All you need to do is open a three-year deposit account with us."

The minimum deposit amount is 1 million, with no maximum limit.

Furthermore, we can also calculate the interest rate for you using the highest possible deposit rate.

"Oh?" Li Guoqiang raised an eyebrow upon hearing this, then took the agreement and slowly began to read it.

In short, this is equivalent to him exchanging a three-year deposit of 100 million yuan for a black gold card with a credit limit of 50 million yuan.

In addition to a 58-day interest-free period, this card offers a variety of benefits, such as purchasing airline tickets and checking into hotels.

For some ordinary people, the existence of this card can undoubtedly enhance and highlight their status.

For Li Guoqiang, however, there was little need for it.

Furthermore, relatively speaking, the value that 1 million yuan can create over three years is far greater than the value brought by these rights and interests.

If something comes up that requires money, it will be quite inconvenient.

Thinking of this, he casually put down the agreement, shook his head, and said, "I have no interest in this black card."

"I wonder if you have any concerns? Or is there anything you're dissatisfied with?" Ruan Mu Ning's heart tightened upon hearing this, and she hurriedly asked.

“Ms. Ruan, let me be frank! This agreement doesn’t offer me any real benefit; in fact, it will lock up 1 million yuan of my funds, which is a huge loss,” Li Guoqiang said with a slight smile.

"Well, you can speak your mind, and I'll try my best to negotiate with the bank for you!" Ruan Muning's expression stiffened for a moment when she heard Li Guoqiang speak so bluntly, and then she quickly tried to salvage the situation.

In fact, she certainly understood that this agreement was not so fair to Li Guoqiang.

It's just business! Of course, you have to quote a price first and then negotiate.

Now that she knew Li Guoqiang wasn't the kind of person who could be easily fooled, she had no choice but to think of other ways.

"I don't have any other thoughts. If there's nothing else, I'll head back now." Seeing that Ruan Mu Ning was still hiding things at this point, Li Guoqiang immediately said goodbye.

"No! Mr. Li, let's talk this out. If you think this agreement is not good, you have to tell me your needs so I can help you find a solution, right?" Ruan Mu Ning became anxious as soon as she saw this and quickly stood up to stop Li Guo Qiang.

"Sorry, I don't need anything right now. I'll contact you if I do in the future!" Li Guoqiang waved his hand and said calmly.

"Oh, I see! Please have a seat first. I'll go and ask my supervisor for a better solution. Is that alright?" Ruan Mu Ning's eyes narrowed, and then she forced a smile as she made her request.

At the same time, she couldn't help but feel a little annoyed, realizing she had underestimated Li Guoqiang. Judging from this situation, Li Guoqiang was nothing like those nouveau riche who had struck it rich overnight!

This is even more difficult to deal with than those long-established tycoons.

"Alright!" Li Guoqiang stared at Ruan Muning for a while, then nodded and sat down again.

Anyway, he doesn't have any plans for that 3 million yuan right now.

Now that Ruan Muning has realized her mistake and wants to show her true sincerity, he might as well spend more time to see for himself.

Soon, Ruan Muning walked out in her high heels.

Shortly after, she returned with a new agreement.

“Mr. Li, I have already tried my best to negotiate for you. This is the new agreement, you can take a look.”

"Hmm!" Li Guoqiang casually took the agreement and began to read it without any rush.

He quickly discovered that this agreement was different from the previous one.

Not only has the limit been increased to 100 million yuan, but the term of the fixed deposit has also been shortened from three years to one year.

This immediately piqued Li Guoqiang's interest, and he continued reading.

The rest of the content was similar to the previous one, except for the addition of a clause that stipulated that as long as he continued to use this black gold card, the 100 million yuan fixed deposit would be automatically rolled over to the next year's fixed deposit upon maturity.

This wasn't unacceptable to Li Guoqiang; it was essentially using his 100 million yuan deposit as collateral and getting some interest in return.

In addition, the agreement also stipulates that Ruan Muning will serve as his financial assistant, and he can ask Ruan Muning to help him with any needs.

Upon seeing this, Li Guoqiang's lips curled into a slightly amused smile, and then he focused his gaze on the pair of stockings.

Seeing this, Ruan Muning slowly raised her legs and crossed them, then asked softly, "Mr. Li, are you satisfied with this agreement?"

"It's alright!" Li Guoqiang nodded, speaking somewhat indifferently.

"Then I'll go and get it done for you right away?" Ruan Mu Ning was delighted, then leaned down slightly and moved closer.

Due to gravity, this movement made her clothes a little tight.

“No rush. Besides this 100 million, you still have 200 million in my account! Since you’re going to be my financial advisor in the future, I’d like to hear your suggestions first!” Li Guoqiang shook his head and then spoke softly.

"Um... I'd like to ask first, what are your current investment plans?" Ruan Muning paused slightly, then asked cautiously.

She knew that whether the answer to this question would satisfy Li Guoqiang would directly affect whether the agreement they had just discussed could be signed.

In fact, if she answers well enough, she might even be able to secure the remaining two hundred million from Li Guoqiang, thus earning herself a super-generous commission.

Thinking of this, she immediately became extremely focused.

"No!" Li Guoqiang uttered two words softly, facing Ruan Muning's expectant gaze.

Upon hearing this answer, Ruan Muning frowned slightly, then quickly racked her brains, trying to think of the best way to respond.

After a while, she weighed the pros and cons and finally chose a safer answer.

"Mr. Li, since you don't have any investment plans right now, I can only offer you some relatively safe suggestions based on my own investment experience."

The first option is to invest in government bonds and paper gold, as the fluctuations in government bonds and paper gold are generally not significant, allowing you to obtain certain returns while avoiding excessive losses to your principal.

The second option is to choose to invest in some stable fund products or buy some blue-chip stocks. While this may yield higher returns, it also carries greater risks.

Thirdly, we can help you introduce some venture capital firms to participate in some investment projects, such as investing in film and short drama production, as well as participating in the third and fourth rounds of financing for technology companies.

These investment projects can yield substantial returns if invested correctly, but if invested incorrectly, they could result in total loss.

In addition, you can also choose to start your own company and make some real business investments, such as buying shops and houses and then renting them out.

In short, whatever your needs, I will do my best to conduct market research and provide you with an investment report for your reference.

After saying that, she let out a soft breath and waited quietly for Li Guoqiang to make a decision.

"That's good, your suggestions are all very good, I will consider them carefully." After listening, Li Guoqiang couldn't help but show a slight expression of appreciation on his face.

Although Ruan Muning's answer did not offer him any particularly feasible investment solutions, she also did not take the opportunity to promote any investment solutions to him.

Furthermore, from Ruan Mu Ning's answer, he roughly understood what he needed to do next.

For someone with free time like him, the best solution would be to open an investment company and hire a trustworthy and capable person to help manage and invest.

I don't aim to make a lot of money; I just want my wealth to outpace inflation. That shouldn't be too difficult.

Thinking of this, he continued, "By the way, I'm planning to start my own investment company. When I do, you should be able to help me with the paperwork and hiring, right?"

"Yes, whatever you need, I will do my best to help." Upon hearing this, Ruan Mu Ning quickly nodded and promised.

"Alright, let's sign the agreement then!" Li Guoqiang smiled slightly, then nodded and said.

"Okay, thank you for your trust. I'll get it done for you right away!" Ruan Mu Ning was delighted and quickly got to work.

In doing so, she essentially brought in 1 million yuan in fixed deposits for the bank.

All that was paid was a slightly higher interest rate in the industry and a credit line of 100 million yuan.

To put it bluntly, they only need to transfer the money to Li Guoqiang and then lend it back to him.

Even if Li Guoqiang didn't use that much of the credit line, they could still lend the money to others and earn interest.

If we calculate based on 100 million, and the annual interest rate is 5%, then the profit would be 5 million.

She would receive approximately 5% of the 5 million, which would be 250,000.
(End of this chapter)