ryethenovel Chapter 55 Meeting Sister Liu's Husband, Old Ma
Chapter 55 Meeting Sister Liu's Husband, Old Ma
Chapter 55 Meeting Sister Liu's Husband, Old Ma
"May I ask, under what name is this investment being made? Is it being made in an individual's name or in the company's name?"
Whether or not dividends are distributed is actually irrelevant to Mao Xiaoyu. After all, with only one or two percent of the shares, even if dividends are distributed, it won't amount to much money. So she asked how to purchase the shares.
"I really don't know." Sister Liu was a little speechless when asked.
Hearing Sister Liu's two answers, Mao Xiaoyu rubbed her head. She wasn't very satisfied with Sister Liu's responses.
Of course, Mao Xiaoyu also felt it was normal, after all, Sister Liu and her husband had never done business before and had no idea about the ins and outs of private investment and corporate investment.
Seeing Mao Xiaoyu's actions, Sister Liu felt a little embarrassed and quickly whispered, "Actually, I'm just giving you a general overview now. The actual investment and arrangements still need to be discussed with my husband."
"Actually, I'm very optimistic about investing in the cafeteria, but there are some things we need to clarify. After all, everyone's money doesn't come easily; it's all hard-earned. So it's normal to be cautious about investments," Mao Xiaoyu said tactfully to avoid embarrassing Sister Liu.
Upon hearing Mao Xiaoyu's words, Sister Liu, Lao Guan, and Lao Zhang all nodded in agreement. A share of more than 3 yuan was no small sum. After all, everyone worked hard for two or three months to earn that amount, so it was normal to be cautious about investing.
"Sister Liu, how about this? Whenever your husband has time, we can all sit down and chat together, and also take a look at how to invest. Finally, we can decide whether or not to invest!" Mao Xiaoyu said tactfully.
"Alright, I was being presumptuous. How about this, come to my house tonight, we can eat and talk about things." After thinking for a moment, Sister Liu felt that this investment couldn't be delayed, so she said generously.
"If you don't think we're bothering you by coming over, then we'd definitely be happy to come over tonight. After all, it's a rare opportunity to make money, and we don't want to miss it." Mao Xiaoyu agreed upon hearing Sister Liu's invitation.
"Yes, yes, we'll definitely go over and have a chat tonight," Old Zhang and Old Guan said politely.
"Okay, it's settled then. You must come at 6 pm." Sister Liu calculated the time and then confirmed it.
"Okay," all three agreed.
Because they still needed to rescue people in the afternoon and go to Sister Liu's house in the evening, and since everyone had just finished eating, they all got busy with their own tasks.
By 6 p.m., Mao Xiaoyu had already filled all the available rooms and even helped Lao Guan find two more. As for Lao Zhang, he had even fewer beds than Mao Xiaoyu, so he was the first to finish. However, as before, he continued to help Lao Guan and Lao Liu find more people.
When the time came, everyone gathered together and discussed it. They felt it wouldn't be good to go empty-handed, but they didn't need to be too obsequious since it was a business negotiation. So the three of them got together and bought two bottles of wine and a pack of cigarettes to use up that night.
Since Mao Xiaoyu had never been to Sister Liu's house before, after buying the things, Mao Xiaoyu went to Sister Liu's house with Lao Guan and Lao Zhang.
"Look at you all, you've come all this way, what did you buy? Come in, come in quickly." When they arrived at Sister Liu's house, Sister Liu opened the door and saw what the three of them were carrying, and she said with a hint of complaint.
"Since you're here, what's the point of coming empty-handed? Bring some wine, we can have a drink tonight, wouldn't that be perfect?" Since Lao Guan was the closest to Sister Liu, he was the one who said this.
And so, the three of them entered Sister Liu's house, and Sister Liu warmly invited them into the dining room. At this time, the table in Sister Liu's dining room was already full of seven dishes, and there was a strong man cooking in the kitchen.
He was really strong. The man looked to be about 1.78 meters tall, which is considered tall by the standards of the older generation. And because he was a chef, he looked a bit broad-shouldered and muscular.
"Please sit down, everyone. Wait a moment, I'll come out and join you after I finish cooking this dish," Sister Liu's husband said while cooking.
"Don't be so polite, Brother Ma, these dishes are already enough!" Old Guan said politely.
At this moment, Sister Liu's husband finished cooking and came out with the last dish: "Here comes the last dish, sliced beef and tripe in chili sauce."
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At this moment, Mao Xiaoyu finally saw the face of Sister Liu's husband. He had a square face, a stern head, and looked a bit like a soldier. He seemed like a good family man.
"Old Guan, Old Zhang, it's been a long time since you've come. And this young man, it's our first time meeting. Come on, everyone, don't be shy, make yourselves at home." Sister Liu's husband put the dishes on the table and then politely invited everyone to sit down.
After everyone sat down, the drinks were served. This time, everyone was poured a glass of baijiu (Chinese liquor), including Sister Liu.
"Come on, let me toast everyone. Regardless of whether things work out or not, or whether we can cooperate, let's not let it affect our relationship." After pouring the drinks, Sister Liu's husband picked up his glass, politely greeted everyone, and then drank the wine in his glass.
After finishing the drink, the atmosphere at the table improved considerably. Everyone ate and drank for a few minutes, and then Sister Liu's husband, seeing that the atmosphere was just right, finally spoke up.
"Regarding the investment, since everyone trusts my husband and me, I need to explain to you that the hospital there is a legitimate institution and does not deal with private individuals. Therefore, if you want to contract the canteen, you must open a food and beverage company. We are currently registering this food and beverage company."
Let's talk about this food and beverage company. This food and beverage company has three bosses. The first boss owns 50% of the shares and is in charge of official matters. The second boss is me, owning 30% of the shares and in charge of the entire kitchen. The third boss is from the hospital, owning 20% of the shares and in charge of coordinating matters with the hospital.
This food and beverage company will no longer accept other shareholders, but our shares can be distributed to others. As for me, this is my first time outsourcing, and I really can't come up with more than 1 million yuan to contract out. So I only took 15 shares and distributed 15 shares to everyone.
Of these, I'm going to allocate 10 shares to the head chef in the kitchen so that the whole kitchen can function properly. I also wanted to give the remaining five shares to relatives and friends, but as you all know, we're all from Anhui province. We don't have any relatives in Shanghai. Luckily, you are my wife's best friends, so this portion of the investment will be prioritized for you."
Upon hearing what Sister Liu's husband said, everyone at the table put down their chopsticks and began to think.
Seeing everyone's reaction, Sister Liu's husband stopped talking and silently waited for someone to ask him a question.
Actually, there was nothing Liu's husband could do about this arrangement.
After all, her own child got married just two years ago, which emptied her savings. She even sold one of her houses to buy a bigger house for her son.
In the past two years, the economy has finally recovered, and my husband and I have saved over 200,000 yuan. However, compared to the more than 1 million yuan we invested this time, it's far less.
Of course, Liu's husband didn't want to invest more than 100 million yuan. After all, if something went wrong while playing such a big game, it would mean losing everything.
So after careful consideration, Ms. Liu's husband finally decided to invest half of his share, which is 15 shares.
Even so, the investment amount reached 562,500 yuan, while their own savings were only a little over 200,000 yuan, which was more than 300,000 yuan short of the investment amount.
However, Ms. Liu's husband was not in a hurry. After all, they had so many houses, mortgaging one or two would be enough. In addition, his wife could earn money every year, and they could fill the gap of more than 300,000 yuan in two or three years.
Therefore, in the eyes of Ms. Liu's husband, there is a risk in investing over 500,000 yuan, but even if the investment fails, the impact on their family will not be that great. If the investment succeeds, it will be like their family getting a few years of guaranteed income.
It was precisely because he had considered all of this that Ms. Liu's husband agreed to invest in 15 shares. As for the remaining 15 shares, he had actually considered giving them all to his chefs.
However, he was worried that if his chefs received the same shares as him, they might turn against him if problems arose. So, after much deliberation, Liu's husband decided to bring in third-party capital to ensure that he held the largest share.
However, third-party capital is not easy to find. After all, not everyone is willing to invest in unfamiliar industries when they have money on hand.
For example, if you ask a hospital doctor to invest in a cafeteria, 9 out of 10 doctors would disagree. They would rather invest in private pharmacies or small clinics in the same industry than invest in an unfamiliar cafeteria business.
So in the end, Sister Liu's husband thought of his wife's group of friends. As landlords, they must have tens of thousands of yuan in spare cash. Since that's the case, why not take it out and invest it? Maybe they can even make a profit in the end!
That's why Sister Liu talked to Lao Guan and Lao Zhang at noon. Unfortunately, Lao Guan had money, but he didn't dare to invest too much. As for Lao Zhang, he didn't have money; investing in one share was enough.
It was precisely because she hadn't sold all her shares that Sister Liu happened to see Mao Xiaoyu at noon. Thinking that Mao Xiaoyu was also from Shanghai and her family situation should be alright, she called out to Mao Xiaoyu, which led to all the events that happened that evening.
After thinking for a few minutes, everyone seemed to have figured things out, and they exchanged glances. Finally, Lao Zhang and Mao Xiaoyu looked at Lao Guan, both gesturing for him to speak first.
Old Zhang mainly trusted Old Guan. As for Mao Xiaoyu, she didn't want to be the one to stick her neck out and wanted Old Guan to ease the tension first, since Old Guan and Sister Liu had the best relationship.
Seeing the looks in their eyes, Lao Guan felt quite helpless, but since things had come to this point, he could only cough and say, "Lao Ma, I've known you for quite a while now, and I still trust you with this investment. But I have a question: how do I make it show that this is my investment?"
"After all, you just said that your food and beverage company only has three shareholders, which means there won't be any other shareholders in the future. We've invested money, we're not shareholders, so how can we get dividends?"
"If you trust me, just hand over your money to me, and I'll give you shares. In the end, as long as the cafeteria distributes profits, I'll distribute the profits to you according to your investment ratio," said Sister Liu's husband, Old Ma.
Faced with such an answer, not only Lao Guan and Lao Zhang, but even Mao Xiaoyu couldn't help but frown.
After all, this is too perfunctory. If they end up losing money and Old Ma really tries to renege on his promise, there's nothing they can do.
He wants to get his principal back, but it's not a good idea to say that now, since with Sister Liu's current reputation, saying that would be like slapping her in the face.
But if I don't tell you, I feel uneasy about investing this money, and it seems like I'm not treating money like it's worth anything. After all, 37,500 per share is a lot of money.
However, the problem was that both Lao Guan and Lao Zhang came from farming backgrounds and didn't know much about investing. After listening to Lao Ma's words, they felt there was a problem, but they couldn't quite put their finger on it. So, after frowning and thinking for a while, their eyes involuntarily turned towards Mao Xiaoyu.
Seeing the two men looking at her, Mao Xiaoyu knew that asking them questions would be useless, so she had to take the lead herself.
"Brother Ma, actually I'm the youngest here, so I shouldn't say how many people there are. But I'm just trying to be helpful, so I'd like to share my personal thoughts," Mao Xiaoyu said tactfully.
"Oh, you must be Xiao Mao? My wife has told me about you. She said you're a really hardworking kid. Since you want to talk about it, go ahead and say it," Old Ma asked Mao Xiaoyu with a smile.
"When it comes to investing, in my opinion, the best approach is to keep clear accounts even among close brothers. No matter whether the business ends up making a profit or a loss, the accounts must be settled clearly. That way, even if there is a loss, everyone will accept it and blame themselves for being blind and not choosing the right project."
"But if we lose money because of accounting issues, everyone will definitely be dissatisfied, and in the end, we won't even be brothers anymore. It will lead to betrayal and alienation from everyone, which is the worst thing, don't you think, Brother Ma?" Mao Xiaoyu carefully looked at Lao Ma and asked again.
Old Ma nodded silently with a serious expression.