Chapter 254 Accepting the instruction of capital operation
While the three of them were talking, a middle-aged woman whom Ouyang Xue called aunt came in with a fruit plate.
Ouyang Xue's mother muttered a few words to the aunt in soft language that Liu Gen could not understand, and then said to Liu Gen: "When Xue's father comes back, I will cook again."
"Mom said that I have to cook the food myself today." Ouyang Xue looked at Liu Gen: "It shows that in my mother's heart, you are a very distinguished guest. I rarely receive this kind of treatment."
"Haha... Yes, Liu Gen is a distinguished guest in our family." Ouyang Xue's mother said with a smile. From her expression, Liu Gen could see that she did not look down on him as a poor boy.
Ouyang Xue's mother was very talkative and told a lot of interesting stories about her time in college. Ouyang Xue seemed to be familiar with it. She also interrupted and talked about how her mother and father fell in love in college. At that time, her father was studying at Nanhai University.
University.
It was almost six o'clock when I heard the car horn blaring twice outside the yard. Ouyang Xue immediately jumped up from the sofa: "My dad is back!"
Ouyang Xue's mother said reproachfully: "This girl is always startled." Then she asked Liu Gen: "Is she like this at school?"
"Ouyang has a lively personality, and all the classmates in our class like her." Liu Gen told the truth.
After a while, Ouyang Xue walked into the main room holding her father Ouyang Xiong's arm.
Liu Gen stood up and said, "Hello, uncle." Instead of calling Ouyang Xiong his position, he called him uncle. He felt that calling someone by their title should not be done at home, as it would seem unfamiliar.
"Hello, Liu Gen, we meet again." Ouyang Xiong laughed and said, "I'm sorry, I wanted to come back early, but the company has something urgent to do." He turned to Ouyang Xue's mother and asked, "Xianya, are you ready for dinner?"
Ok?"
"I agreed to wait until you come back to cook. You and Liu Gen will chat for a while while I go to the kitchen to cook. I'll be ready soon. My parents should be back too." Ouyang Xue's mother looked at her watch and smiled at Liu Gen.
Walk out of the main room.
"Please sit down, Liu Gen." Ouyang Xiong handed his suit jacket to Ouyang Xue and asked Liu Gen to sit down.
Seeing Ouyang Xiong here, Liu Gen seemed very reserved, not as calm as he had been in his hometown. He was so nervous that his hands were sweating slightly, and he didn't know how to talk to this business tycoon.
Ouyang Xiong was very easy-going. After taking a sip of the tea Ouyang Xue brought him, he asked Liu Gen: "Are you used to the hot climate here?"
"Haha... not bad." Liu Gen replied with a silly smile.
"The elderly at home are not used to air-conditioning, and there is no air conditioning." Ouyang Xiong said, his cell phone rang, and he gave Liu Gen a wry smile and said, "No way, cell phones always make people feel uneasy, but they can't live without them. I'll answer it."
Phone." After saying that, he took out the phone from his bag and answered it without avoiding it.
From what Ouyang Xiong said to the other party, Liu Gen could tell that there was something wrong with a batch of exported silk at the customs.
An old man's loud voice came from outside the door: "Xue, have the invited guests arrived?"
"It's my grandparents who are back." Ouyang Xue told Liu Gen. She stood up and walked out. Liu Gen followed her. Ouyang Xue introduced the two old people: "Grandpa and grandma, this is my classmate Liu Gen."
"Hello, grandma and grandpa." What Liu Gen saw were two old people in their sixties. They looked very healthy, especially the grandpa, whose face was red. Maybe it was too hot, and he was sweating on his forehead.
He had gray hair, wore a T-shirt, jeans, Nike sneakers, and held a birdcage in his hand.
Grandma’s dress was also very trendy, and she held a UV-proof folding umbrella in her hand.
The two old men's four eyes were all fixed on Liu Gen, as if they were looking at their grandson-in-law carefully, trying to find something wrong with Liu Gen.
"Young man is very energetic!" Grandpa said cheerfully.
"Liu Gen, the injury on your face..." Grandma was very concerned and wanted to ask about the scar on Liu Gen's left face.
"Why do you reveal people's scars as soon as you open your mouth?" Grandpa glared at grandma: "What's wrong with the scar on his face? I think it's great, the scar makes the young man look more manly!"
"You're still talking about me, you're not going to stop talking about it." Grandma rolled her eyes at Grandpa and called to Liu Gen: "Liu Gen, come inside quickly, it's hot outside."
Liu Gen listened to the conversation between the two old people and suddenly felt that the distance between them and him was getting closer. They were very friendly and giggled.
"Dad, Mom, why are you wandering around in the mulberry forest on such a hot day?" Ouyang Xiong finished talking on the phone, stood up from the sofa, and waited for the two old people to sit down before sitting down again.
"How can we let the guests drink herbal tea?" Grandpa tried the teapot with his hands, muttered, and started to make Kung Fu tea again. He asked some things about Liu Gen's hometown, but he never mentioned the water cellar built in Gangou Village with donations from Jincan Group.
.
Dinner started at around seven o'clock, at a large Chinese-style round table. Liu Gen sat on Ouyang Xiong's right hand side. The dishes were not very rich. They were mainly vegetarian dishes. There was no big meat, only fish and shrimp. Ouyang Xue's family basically eats vegetarian food. Those delicious fish and shrimp
, most of it went into Liu Gen’s belly.
Ouyang Xiong asked about Liu Gen's business at the dinner table. Of course he learned about it from his daughter.
"Liu Gen, Xue came back and told me that food is your top priority, you are doing well, and you are planning to expand your business in a chain model. How far is it now?"
"We have just established a joint-stock chain company and are planning to open a branch in the middle of next month..." Liu Gen was very humble and introduced Shiweitian like a report.
Ouyang Xiong listened very carefully. After Liu Gen finished speaking, he pondered for a moment before speaking: "Liu Gen, I personally think that you should further improve the positioning of Shiweitian's future development. I'm not very good at the catering industry.
, but I know from what you just said that although you are new to the catering industry, you have achieved successful experience that others need to explore for several years or even more than ten years. This is amazing and is your advantage. The chain model is constantly copied.
, can greatly reduce management and operating costs. The more stores you open, the lower the costs. However, have you ever thought about it, if you operate a general lease store, you will be restricted by the lessor, and the rising rent will offset your
The cost is reduced, and people can take back the shop rented to you at any time. You may not have thought of this risk."
When Liu Gen heard this, his heart skipped a beat, yes, this was indeed a problem.
"Haha... I really didn't think that far ahead. I'm very grateful to uncle for his guidance. So how should I deal with this situation?" Liu Gen asked modestly.
"Have you ever eaten foreign fast food McDonald's or KFC?" Ouyang Xiong asked.
Liu Gen shook his head: "I haven't eaten it."
"Although everyone knows it is junk food, why do so many people still like to eat it?" Ouyang Xiong asked again with a smile.
Liu Gen shook his head in confusion.
"Actually, the foreign fast food that has entered China sells more than just the junk food that people like to eat. Depending on the location of the store they open, I'm afraid there won't be much money left after paying the rent just by selling fast food.
, then why can they continue to operate prosperously? In fact, what makes them most profitable is not buying fast food, but real estate. Most of the stores with better geographical locations have been bought by them. On the surface, they
, the one-time investment is huge, but it is your own property, so you don’t need to consider the increased costs caused by rent increases or the risks of being repossessed. Moreover, their stores are still increasing in value with the increase in housing prices. Use value-added
They then borrowed more money from the bank and used the money to expand and buy shops in good locations. In this way, they continued to expand steadily, like a snowball, getting bigger and bigger, until they no longer needed bank loans.
The bank will also take the initiative to ask them if they need a loan..."
Ouyang Xiong talked eloquently, and Liu Gen became more and more confused the more he listened, and asked: "Uncle, do you mean that from now on, we should buy shops in good locations?"
"Sure enough, it works!" Ouyang Xiong said with a smile: "Of course, doing this requires a lot of money in the early stage. Judging from your current situation, it seems difficult to do it, but it is not impossible.
."
Liu Gen knew that in Nanhai City, a shop in a good location could be bought at an almost sky-high price. He didn't even dare to think about it, but Ouyang Xiong easily said that it was not impossible. It really didn't hurt his back to stand and talk. He had
Of course money is simple.
"Haha... the shops in Nanhai City are too expensive. With our current ability to make food, we can't even afford them." Liu Gen replied with a wry smile.
"Liu Gen, do you know the current real estate market? Do you know the mortgage policy? What is the bank's current mortgage interest rate?" Ouyang Xiong asked Liu Gen three questions in succession, all about real estate and banks.
Liu Gen shook his head. If he didn't buy a house, of course he wouldn't pay attention to this.
"Since you have decided to take a business path, you must be prepared. You must understand the information related to the business you are engaged in and even study it. Only in this way can you continue to obtain the accurate information you need."
Ouyang Xiong seemed to be teaching Liu Gen how to do business:
"As far as I know, when buying a house, whether it is a house or a shop, banks can provide mortgage loans. With a small down payment, you can own a house or shop... It takes every month to rent a house for your shop.
Paying rent is helping others pay for a house. If you use a mortgage to buy this shop, you will also need to repay the loan to the bank every month, right? It is similar to renting a house, but there is a problem here, that is
The monthly payment is your own asset, and paying rent is someone else’s asset. The appreciation of assets has nothing to do with you. As a landlord, you will increase the rent every year. If you invest a large amount of money in a store, you cannot do it because of the landlord.
Are you going to close down after the rent increases? Do you understand what I mean?”
Liu Gen seemed to understand, but he still felt that it would be difficult to come up with such a large sum of money for a down payment all at once. He shook his head and nodded and said, "But we don't have any money for a down payment now."
"Haha...Liu Gen, you still don't fully understand what I said." Ouyang Xiong saw that Liu Gen didn't understand: "Didn't you register a company now? And your store has stable cash flow, which in itself is
It is a mortgageable asset. You use the company's cash flow to borrow from a bank or find a partner for financing. You can use the money from borrowing or financing to buy a store. Of course, it is purchased with a mortgage.
Then open a store, then use this store as a mortgage loan, and then open a second store. With monthly payments, your monthly operating net profit is fully capable of paying it. As long as you continue to make payments, the bank will not take back your store like a landlord.
House, and they won’t give you rent... Haha... The value-added space of shops is amazing. You can also use the value-added part to get additional loans and buy more shops to open your own branches..."