Chapter 764 How much have you earned from investing in stocks?
Zhao Manfu replied: "Mr. Feng, I understand, but can we still solve the situation of our Nanshan project?
If you do this, it will still dampen our enthusiasm.
The better we do, the worse the results will be, right?
Will this force us to suppress our output value and collections at the end of each year until the next year?"
Feng Shilan replied: "Mr. Zhao, don't worry. Let's deal with this audit matter in the next two days. Don't we still have a few days? Think about it again and see if there is any way to solve it."
Zhao Manfu had no choice but to reply: "Okay, listen to Mr. Feng."
Feng Shilan emphasized: "Listen to me regarding matters within the company, and listen to the little girl who audits the matter later."
Zhao Manfu replied: "Okay."
The auditor sitting in Zhang Yunqing's car, through simple communication with Zhang Yunqing, requested to go to the Nanshan Project Department to see the information on the output value confirmation.
When they arrived at the Nanshan Project Department, the four of them got off the car and went straight to the office of the Ministry of Commerce.
Zhao Manfu sent a text message to Zhang Yunqing, which read: "Listen to that little girl who audits everything."
Zhang Yunqing replied smoothly, "Received."
In accordance with the requirements of the audit, Zhang Yunqing produced each period's report documents for progress review.
The auditor went through the progress and audit report documents of the previous and previous periods, and asked Zhang Yunqing for a pencil.
Circle the relatively large items on the progress report with a pencil, and then said to Zhang Yunqing: "I need to go to the site to see what these confirmed output values look like.
Does it match your report data?”
Zhang Yunqing replied: "It must be consistent. Do you want to go see it now?"
Auditor nodded.
Zhang Yunqing took out his phone and called Zhou Wencheng, explained the audit requirements, and made an appointment to meet at the construction site of the project department.
After a large group of people arrived at the construction site of the Nanshan Project Department, the auditor pointed to the 30-centimeter-thick sand and gravel base layer in the progress review report and asked, "Where is this thing? Show me to me."
Zhang Yunqing took a look at the progress review report and explained: "Teacher, this 30 cm thick sand and gravel base is generally used on roads or under square paving.
This project is almost completed now, and strictly speaking, this structural layer cannot be seen anymore.
This is called a concealed project, and it has been concealed."
The auditor expressed disbelief and asked: "Don't talk to me about hidden projects. No matter what kind of project it is, it must be visible before it can be recognized. Otherwise, you just make up a number and we will accept it?"
Zhang Yunqing replied: "I can't see it now anyway, so what do you think I should do?"
The auditor rolled his eyes at Zhang Yunqing and said: "If you can't see it, you have to find a way to see it.
You can think of a solution, I am only responsible for ensuring that I see it."
Zhou Wencheng couldn't help but scolded him: "The damn thing has already been buried. Why are you looking at it? Where do you think you are stupid? Do you even understand engineering?"
The auditor stared at Zhou Wencheng angrily and said: "I didn't talk to you, why are you making such a fuss with your chattering?
Also, why are you swearing?
Go away now, I don't want to talk to you."
The person in charge of finance, Feng Shilan, cursed when Zhou Wencheng came up. Knowing that he was causing trouble, he quickly put his hand next to Zhao Manfu's ear and whispered: "Hurry up and let Zhou Wencheng hide. Don't mess with the audit at this time. Others know better, so you can find them wherever you want."
Just let me help you explain."
Zhao Manfu nodded while listening. After listening, he quickly pulled Zhou Wencheng aside, whispered Feng Shilan's opinion to him, and asked him to call the production manager Xu Kun over to cooperate.
Zhou Wencheng cursed and left, but called the production manager Xu Kun to come over and asked Zhang Yunqing to cooperate with the audit inquiry.
Production manager Xu Kun arrived at the scene soon.
Zhang Yunqing said to production manager Xu Kun: "Mr. Xu, you came just in time. Well, now the audit needs to take a look at our 30 cm thick sand and gravel base. I want to see where it is."
It must be visible outside."
Production manager Xu Kun replied: "Oh, more than 90% of this matter has been covered up.
Well, I'm wondering if there is anywhere I can see this layer more intuitively.
Oh, I remembered that the loader destroyed our curb stone two days ago. You can still see the sand and gravel at that location, which is dozens of centimeters thick. Can we go see that? "
Zhang Yunqing said: "Okay, you can just take us to see it together. You'd better bring a tape measure, do you have one?"
Production manager Xu Kun said: "I don't have the tape measure with me right now. Well, it doesn't matter. We are still a little far away when we walk there. If you see a worker on the road who has one, just ask him to borrow one temporarily."
Production manager Xu Kun led the way and asked a worker to borrow a five-meter tape measure.
A large group of people arrived at the place where sand and gravel could be seen.
Production manager Xu Kun dug the sand and gravel a few times and stretched out the end of the measuring tape. Anyone with a discerning eye could tell that the thickness was 30 centimeters.
Zhang Yunqing asked for the opinion of the auditor, who said that the thickness of the sand and gravel was sufficient.
The audit also raised questions about the area of continuous sand and gravel: "Is this 30 cm thick continuous sand and gravel as large as 19,800 square meters?"
Zhang Yunqing explained: "This is the base layer of the roadway. The width of the base layer is 6.6 meters. The length of our construction is 3 kilometers. In order to speed up the review of the progress payment, we only reported 3000 meters times 6.6 meters.
The wide project volume is 19,800 square meters.
The actual project volume will be larger than this.
Teacher, look at this intersection as an example. Every intersection will have hundreds of square meters more.
We put this amount difference into settlement and then correct it.
This quick processing method was reached after communicating with the supervision unit, cost consulting unit, and Party A."
The auditor pointed to the large project contents such as granite and seedlings in the progress report and asked her to point them out to her one by one on site.
Zhang Yunqing and production manager Xu Kun took her through the project contents identified in the audit one by one on site, and answered various questions raised by the audit at any time during the process.
When it was getting dark, I finished looking at all the construction work on site.
When I returned to the office, the audit asked me to check the unit price basis corresponding to these project quantities.
Zhang Yunqing took out the matching price list and the matching winning bid list documents.
Check all unit prices that the audit is concerned about and submit them to the auditor for face-to-face review.
The audit requires looking at the corresponding contract and checking the proportion of progress payment.
Zhang Yunqing easily took out the corresponding contract, turned to the position of progress payment, and asked for review.
After reading the audit, she was asked to give her a copy of the audited version of the progress payment, the contract documents, the inventory document and the price list.
Zhang Yunqing immediately arranged the audit request to Li Xixuan.
Li Xixuan told the auditor that since there were too many documents that needed to be copied, they could be provided to the auditor tomorrow morning, and the audit form agreed.
The person in charge of finance, Feng Shilan, sought the opinion of the audit at this point in time: "Audit teacher, this, does our Nanshan project basically have completed the field audit work at this point?"
The auditor replied: "Yes, some other data compilation work will be done after returning to Kyoto."
Zhao Manfu and Zhang Yunqing sent the financial manager Feng Shilan and the audit teacher to the hotel to stay, then took a taxi to a beachside restaurant for dinner.
Zhao Manfu quickly arranged the dishes and drinks.
Feng Shilan was very happy to see the sea.
He told Zhao Manfu that he had long wanted to go to the seaside to play, but he had never had the chance because he was too busy at work.
If I had not accompanied the audit teacher to the South China Sea this time, I would not have seen the sea until the year of the monkey.
Zhao Manfu took the opportunity to throw out the words and invited: "Mr. Feng, you are talking about it from the bottom of your heart.
Don't look at me spending all day in this Nanhai area, but my work was quite stressful a year ago, and I didn't have time to visit any of the big and good tourist attractions.
It just so happens that I have some free time during this time.
See if you can give me a favor. This time, let me take a ride and accompany you and the audit teacher to Ashan.
Let’s go and experience Yashan, which gives us the warmth of summer in winter.”
Feng Shilan replied: "I don't have a problem. It depends on the audit teacher. Is there any problem with your time?"
The audit teacher smiled and replied: "Each group of ours originally had 4 to 5 days of review time, but we finished the review in less than one day. It seems inappropriate to go back too early.
Some people would say that I didn’t review it seriously, but in fact I didn’t take it very seriously.”
Zhao Manfu laughed and said: "Then we have agreed. We will take you back to the hotel to settle down after dinner tonight. We will pick you up tomorrow morning and go straight to Ashan."
Feng Shilan replied: "Okay, Mr. Zhao, where are you going to take us?"
Zhao Manfu replied: "If it takes four or five days, we will go to Paradise Forest Park on the first day, and then go to Dadonghai.
On the second day, spend a day on Wuzhizhou Island.
On the third day, you can go to Nanshan Buddhist Cultural Park.
You can go to Yanoda on the 4th day.
You can go to the duty-free shop in the remaining time, and then you will take a flight from Sanya back to Kyoto."
After hearing Zhao Manfu's answer, Feng Shilan smiled with satisfaction, and then asked for the audit's opinion: "What do you think?"
The audit teacher replied: "I think it's okay.
I heard that Wuzhizhou Island is very interesting.
The seawater has high visibility and the underwater world is colorful. It is also a good place for water activities such as motorboats, banana boats, and water parachutes. It has unique villas, wooden houses, bars, seafood restaurants and other supporting facilities. Wuzhizhou Coral Hotel can
Accommodation is provided, but the rooms are in high demand and need to be booked in advance. If you live on the island, be sure to go to Sunrise Rock to watch the sunrise, which is an excellent place to watch the sunrise.”
Zhang Yunqing: "Teacher, Wuzhizhou Island is still a place that diving enthusiasts yearn for."
Zhao Manfu: "If the audit teacher wants to watch the sunrise on the island, I will call now to ask."
Zhao Manfu called Yu Shengjie and asked him to book a room on Wuzhizhou Island.
After Yu Shengjie made a phone call, he replied to Zhao Manfu that the hotels on this island are particularly in demand. They have been fully booked for the past 10 days. If you want to book, you can book for the 11th day.
Zhao Manfu told the audit teacher and Feng Shilan about the situation in the hotel.
The audit teacher said in person that the time was not suitable and the only option was to forget it this time.
While the four of them were chatting happily, the food and drinks were served.
The waiter filled the red wine glasses for four people to one-third of the glass.
Zhao Manfu raised his glass and said: "This is my first glass of wine to welcome Mr. Feng and the audit teacher to Nanhai."
The four of them raised their glasses and clinked their glasses.
For the second glass of wine, Zhao Manfu invited Feng Shilan to drink.
Feng Shilan was invited to raise her glass and said with a smile: "Okay, for this second glass of wine, on behalf of Western Construction Co., Ltd., I would like to thank the audit teacher for traveling thousands of miles to the Nanhai area to carefully review the situation of our Nanshan project.
Moreover, the audit efficiency is extremely high and the audit effect is also very good.
Totally beyond my expectation.
Our colleagues from Western Construction would like to pay tribute to our audit teacher."
Four people drank together.
For the third glass of wine, Zhao Manfu invited the audit teacher to bring the glass.
The audit teacher said a little shyly: "Well, it's better to obey your orders than to be respectful. I'll bring you the third glass of wine."
"Thank you to Mr. Feng for his meticulous care along the way, thank you to Mr. Zhao for your care at the Nanhai site, and thank you to Mr. Zhang for his close cooperation and help during our review process.
I wish our Western Construction and Jiangcheng Securities a happy cooperation."
The four people clinked glasses and shouted: "Cheers!"
Zhang Yunqing stood up and lifted up the wine dispenser that the waiter had filled in advance. He first poured a third of a cup for Feng Shilan, then for the audit teacher, Zhao Manfu, and finally for himself.
The four of them chatted while eating seafood, drinking red wine, watching the sea view at night, enjoying the coolness brought by the gentle sea breeze.
It was a very pleasant conversation.
After dinner, Zhang Yunqing and Zhao Manfu sent Feng Shilan and the audit teacher back to the hotel.
The scheduled departure time for the second day is 10 am.
Zhao Manfu arranged for Zhang Yunqing to borrow 20,000 yuan from financial cashier Tang Ying the next day.
Zhang Yunqing returned to the dormitory, opened his laptop as usual, and checked QQ information.
The hope of glory sends a message: “Are you there?”
Zhang Yunqing looked at it, and even though it was an earlier message, he still replied with a message: "Here, what's going on?"
"How much money have you made from stock trading during this period?"
"Wait a moment, I'll log in and take a look."
"good."
"I see, when I contacted you, the stocks in my account were only worth 60,000 yuan. Now, in less than a month, it has already increased to 360,000 yuan."
"Wow, why are you so powerful?"
"What's so great? It's not that every time you tell me to buy something, you tell me to sell something. I'll do it right away according to your time requirements."
"Well, that's good."
"Liquor stocks are going to rise a lot during this time. You can sell all the stocks in your hand tomorrow and buy them into baijiu stocks."
"Okay, can you tell me which liquor stock to buy now?"
"Needless to say now, after 9:30 at work tomorrow, I will send you a QQ message telling you the stock codes you can buy."
"Okay. But my time is a little tight tomorrow. At 10:00 tomorrow morning, I have to go to the hotel to pick up a leader.
In this case, it is best to take care of the stock buying and selling matters before 9:40 or 9:50."
"If there's no problem, just a few minutes or 10 minutes, everything should be settled, and it won't affect your going out."
"Okay, thanks."
"You are welcome."
"There's another question. I'm thinking, every time you tell me which stocks to buy and which to sell, I basically make money more than 90% of the time.
Can you tell me this stock selection rule?
I used to develop programs. I can also program software for them and put the meaning of your stock selection rules into the software.
In the future, we won’t have to work so hard and let the software automatically select stocks for us.”
"Hahaha, you think too simply.
Look at the many stock trading software on the market, which one of the famous stock trading software is not developed and maintained by a large company?
They haven't yet programmed software that can automatically select profitable stocks."
"Don't be discouraged.
Everything is difficult at the beginning.
As long as I learn how to speculate in this stock and what time point I can make money by buying and selling, then I can just convert this idea into a programming language. This is not something very advanced."
"I have nothing to teach you, you can learn and experience it yourself.
You must at least learn the basic knowledge of stock trading.”
"Don't worry, I'm constantly learning.
I want to make more money from this in the future.”
"It's certain to make money, but it's also unstable and there are a lot of risks involved."
"Yes, although I am making money now, I still feel uneasy. If I invested the 80,000 yuan before contacting you and turned it into 60,000 yuan, it would only take a few days or ten."
"What do you mean? You invested 8 million, but you don't get 80,000 out."
"Oh, then this is a big loss."
"Yes, if you don't choose the right stocks on this stock, you will lose money very quickly."
"Then do you think that besides making some money from stocks, is there anything else that can make some money?"
"What about other things? There are quite a few other things.
That is, if you can buy a house in a first-tier city like Kyoto, it will not increase in value, but at least it can maintain its value."
"Oh, I'm not going to live in Kyoto when I buy a house in Kyoto. Why should I buy it?"
Glory Hope replied on QQ: "Don't you understand this? In today's economy and society, there is always some inflation. If you have cash in your hand, it will slowly depreciate in value.
From the perspective of ordinary people, what can they do to resist this depreciation? The more advantageous thing is to buy a house.
This house cannot be bought casually. You must buy it in a first-tier city to have room for price increase, or the possibility of preserving its value.
During the period when you own the property, if you don't come to live in Kyoto, you can rent it out and buy a three-bedroom house. Now, it costs two to three thousand yuan a month to rent here.
Well. Its housing price is just for a house of three, if it’s a hundred square meters, it’s about a million dollars.”
Zhang Yunqing quickly replied on QQ: "A house worth hundreds of yuan is quite expensive. My monthly salary now is only ten thousand yuan. If I don't have food or drink to save money, it would take a hundred yuan a month's salary."
I can only afford it."
Hope of Glory: "You can't look at the problem this way. If the property is increasing in value, and the money that will increase in value in the future is earned by you, then the rent paid in the process of renting the house will also be earned by you.
Moreover, after the house is rented out, you don’t need to take care of the property management fees, water, electricity, and gas bills. The tenants are responsible for them.
Think about it, as long as housing prices don’t fall, what do you have to lose?”
Zhang Yunqing replied: "You are right, I want to make more money and try to buy a house as soon as possible."
Glory Hope replied to the message on QQ: “You can’t buy a house after you’ve earned enough money.
For example, if you can buy a house for 1 million now, you may not earn 1 million until many years later. By then, the house may have already reached several million. Can you still afford it?”
Zhang Yunqing replied on QQ: "A house worth 1 million has increased to several million? It's not that exaggerated. It's understandable that the house has increased by more than ten or twenty percent."
The hope of glory replied: "How is it impossible? Look, let me calculate it for you. Assuming that housing prices increase by 10% every year, then a house worth 1 million now will be worth 2.59 million in 10 years, and how many million will it be in 20 years?
6.73 million.
These can all be calculated using mathematical models and are not sensational.
If you think about it again, can your salary increase by 2.59 times in 10 years? Can it increase by 6.0 times in 20 years?"
Zhang Yunqing replied: "Yes, you are right, housing prices may rise much faster than our wages."
Glory Hope replied: "We still calculate this on an annual basis. Sometimes if the house prices increase by 10%, it may not be one year, but several times in a year. This is even more terrible.
Do you know?"
Zhang Yunqing felt chills on his back as he looked at the message of glory and hope that popped up in the QQ chat box on the screen.
He quickly replied: "I understand, and I will definitely try to use the money I earn from the stock market to buy a house as soon as possible under your guidance."
Glory Hope preached: “Let me tell you another secret, in fact, you don’t have to raise 1 million to buy a house.
You only need to collect roughly 30% of 1 million, which means you can buy a house when you have enough down payment of about 300,000.
Then for the remaining house payment of say 700,000 yuan, you can choose to pay it off in 20 or 30 years, find a bank loan, and only pay back a few thousand yuan every month."
Zhang Yunqing replied to Honor's Hope on QQ: "If I can repay three to five thousand yuan every month, I should still have the ability to repay.
But is it easy to get a loan from a bank?"
Glory Hope replied on QQ: "Haolai, for every new project, banks cooperate with real estate developers.
They want you to buy a house, and they want you to take out a loan first.
And once you get a loan, you use the house sold to you as collateral.
So the bank is not afraid of you either.
If you don't repay his loan, it will be three months or several months in a row. I can't remember the time.
In short, there is a certain period of time. If you don't repay the monthly payment to his bank, the bank will have the right to auction the house you mortgaged to him. Is he still afraid that you will run away? Not at all."
Zhang Yunqing replied: "I understand, so, can the money I have now be used to buy a house?"
Glory Hope suggested on QQ: "Don't panic now. If you speculate in stocks for one more month, maybe the 300,000 will turn over even more, and you can buy a few more units."
Zhang Yunqing responded with a smile and said: "I feel panic buying one set now, how dare I buy a few more sets? Let me think about it, I will think about it carefully."
Glory's Hope replied: "Okay, the night is getting darker, you should think more about it yourself.
886."
"886."
Zhang Yunqing's sleep was very bad that night and he couldn't sleep.
I kept thinking about the relationship between buying a house and stock trading suggested by Glory Hope, and whether I should buy a house first or stock trading first. I kept hesitating and fell asleep.