The birth of the Hong Kong Island family

After returning home, Lin Zhichao realized the warmth of home. Wu Wenying, Tang Caiyun, and Lin Xiner were all waiting for him in the living room.

"Why didn't you go to bed earlier?" Lin Zhichao put on the slippers handed over by Lin Xiner and said to Tang Caiyun, who was five months pregnant.

"How can we go to bed so early? Everyone is chatting in the living room. Caiying has just returned downstairs!" Tang Caiyun took the briefcase and put it away for Lin Zhichao.

Lin Zhichao nodded and then sat on the sofa.

There were no entertainment programs or television stations in this era; at least it would not be until the late 1950s that Li's television station would be born. The only radio station is 'Radio Television Hong Kong', which broadcasts Mandarin operas.

"It was reported in the newspaper that next month (March) Li's Voice will start broadcasting. This is a paid wired Boeing system. Every day from 7:00 am to midnight, it will broadcast non-stop on the blue radio stations "English" and "Silver". Radio "Playing in Chinese."

Tang Caiyun immediately took Lin Zhichao's arm with interest and asked: "What is the content of the English radio station?"

Lin Zhichao said: "Broadcasting European and Western pop songs, listening to them more often will help to nourish the fetus. The Chinese channel should be Mandarin songs, Cantonese opera and the like."

"Well, it seems pretty good!"

After chatting for a while, Axia prepared hot water and Lin Zhichao went to wash up. Although Axia lives at home, she always sets up a simple portable bed in the living room at night.

This home is so small that it doesn't even have a maid's room.

After returning to the bedroom, Lin Zhichao leaned on the bedside and Tang Caiyun nestled in his arms. The faint beauty fragrance lingers on the entire bed.

"We are going to move next year, and I will buy a building in Mid-levels by then. We'd better move in! Let your parents arrange the house here."

"Would it take up some funds? I heard that a building in the middle of the mountainous area costs almost 200,000 yuan!" Tang Caiyun said with spring eyes.

"It may be cheaper next year! Besides, my current assets are several million Hong Kong dollars. That little money is nothing. I can't wrong my wife and children, and I don't even have a yard."

Houses in the mid-levels are generally bungalows and arcades, mostly three- and two-story buildings, but they are detached and have a much better environment. The current rent for a first-floor apartment is HK$5,000 a year, but there is a high top-end fee.

The price of a set of 200,000 yuan is actually very high, mainly because the supply exceeds demand; when the army is displayed in Guangdong Province, it will definitely drop a little.

"Thank you, husband (the name requested by Lin Zhichao)" Tang Caiyun said sweetly.

This man always wants to provide the best living environment for his family. Of course she is very happy, and it does not affect her career.

But when she heard Lin Zhichao say he had a net worth of several million, she couldn't help but be shocked.

Li Gaofu and his family finally moved into a one-story tenement building in Causeway Bay, saying goodbye to the rental house with less than 300 square feet.

This is an old-fashioned three-story tenement building located in a remote area of ​​Causeway Bay, and its conditions are not very good in all aspects. Even so, it still requires a top-up fee of HKD 6,000 and a monthly rent of HKD 280.

After running the trade route three times, Li Gaofu suggested that Fu He Xing should share the profits with 300,000 Hong Kong dollars. Naturally, Huang Tinggui and others had no objection.

Everyone is working hard, isn't it just to make money!

In fact, Li Gaofu was also thinking about his own ship purchase, but he still chose to put it on hold for the time being.

First, he was eager to repay Lin Zhichao's debts and settle his family;

Second, they don’t know how many times the current trade route will last. Once it stops soon, they will have huge financial problems; along with it, there will be many problems such as unfamiliarity with shipping and difficulty in starting business.

"This house is really too big. I finally live in a big house. I'm so happy!" Chen Shufang said happily.

Li Gaofu suddenly felt something in his heart. It felt good to be rich. Men should work hard to make money so that their wives, children, and parents could live a better life.

"We will buy a floor off plan later, and we will have our own house."

Chen Shufang quickly asked: "How much money did you share this time? Why didn't you hand it over to me?"

She suddenly became serious, something didn't seem right.

Li Gaofu said matter-of-factly: "From now on, I will take care of the big money in our family, and you will take care of the small money, so as not to let this woman ruin my big things."

Chen Shufang was dumbfounded for a moment, but stopped talking.

Looking at her parents-in-law again, in the end, she could only nod in surrender.

"It's up to you to take care of it, I won't ruin your big business!"

Li Gaofu then said with satisfaction: "A total of 150,000 yuan was divided, and Zhichao was repaid with 100,000 yuan. The remaining 50,000 yuan is not much money left except renting this house and buying a floor."

Chen Shufang immediately flattered her and said, "Isn't Fu He Xing very profitable? Will we be able to get dividends again soon?"

Li Gaofu immediately gave his wife a sharp look and said, "I knew something bad would happen to you as the boss! Whatever money Fu Hexing makes in the future will be kept and invested. I just know that after this business is done, we will continue to invest." What kind of money do you use for other business?"

Chen Shufang was scolded and said unconvinced: "Fu He Xing can always do this trade. Anyway, you don't have to run the ship yourself now!"

Li Gaofu immediately said: "What a beautiful idea! I am very grateful to God that I can make five more trips. The war in the mainland is almost over, who needs any more gadgets. Therefore, the money should be kept in the company's account, and I will think about a career when the time comes. Do it.”

Chen Shufang was immediately convinced. The key was that she found that Li Gaofu had changed and became stronger! Of course, as long as a man has money, it doesn't matter if he is strong, as long as he can be a rich wife.

Lin Zhichao brought Li Gaofu, Xue Junshan, and Li Zhaoji to Aomen, which was much more chaotic than Hong Kong. Of course, the darkness of society is always hidden in the corners, so he doesn't need to bother himself, he can just make peace with it as it comes.

Li Zhaolin personally came to the port to receive them. He was very grateful to Lin Zhichao. After all, Li Zhaoji was his biological brother.

"Lin Sheng, we have made arrangements with He Sheng. I will take you to see him."

Lin Zhichao immediately said: "Thank you Brother Zhaolin for the arrangement, otherwise my eyes would be completely black and I wouldn't even be able to touch the door of Aomen."

Li Zhaolin was humble.

He is now working for Lin Zhichao, so he must do a good job and gain the trust of his boss.

The group soon arrived at He'an Gold Company, and then Lin Zhichao and He Xian met in the office.

Lin Zhichao didn't have much feelings for the King of Austria, and he didn't want to be the King of Hong Kong.

For Lin Zhichao, making money is the last word, and honor is empty.

For that long, he was able to spread his wealth all over the world and form a huge family network.

Of course, Lin Zhichao still respects people like He Xian and Feiping Tai.

It is precisely because he cannot be 'single-minded' that he admires others.

And he is just a pure businessman!

"He Sheng, although this is our first meeting, I have admired your name for a long time."

"Haha, I have admired Lin Sheng's name for a long time - a Hong Kong industrialist. He was the first to sell real estate in installments and made a great contribution to the improvement of Hong Kong's real estate. He is also a major player in the gold and silver trading market."

He Xian enthusiastically invited Lin Zhichao to sit down and make tea for him personally.

His younger brother He Xian mentioned this young man more than once, and coupled with the information he got from other channels, there is no doubt that Lin Zhichao is a prominent businessman in the past year or two.

After chatting for a while, Lin Zhichao got straight to the point: "He Sheng, I wonder if I can buy gold from He'an Gold Company?"

He'an Gold Company does not only supply Hang Seng Silver. After all, Hang Seng Silver cannot afford to speculate in gold from the entire gold and silver trading market; it can only be said that Hang Seng Silver has many conveniences and is the largest purchaser.

The entire He'an Gold Company has approximately six large distributors, as well as a large number of small distributors, selling gold from Austria to various Asian countries, mainly Hong Kong and the mainland.

He Xian smiled and said: "Of course! How can we refuse customers when we open the door for business? How much does Lin Sheng plan to purchase this time?"

Lin Zhichao made an 'eight' sign!

He Xian was stunned and said uncertainly: "8,000 taels?"

Of course he wouldn't guess 800 taels. After all, Lin Zhichao's behavior had already explained the problem.

"Yes."

He Xian hesitated for a moment and said: "Generally speaking, our supplies are graded. Even for Hang Seng Bank, the supply is only a few thousand taels each time. Mr. Lin wants so much at one time, I'm afraid some problems!"

There are many questions, but it’s hard to explain them clearly!

So much gold was sold to Lin Zhichao. If Lin Zhichao sold it aggressively in the gold and silver trading market, it would disrupt the market.

"I know. So what I want to say is, you can deliver it to me within a month. And, I can guarantee that we will not deliberately short-sell gold, thereby affecting the rise in gold prices." Lin Zhichao said sincerely.

The main reason is that the relationship between the two parties is not in place. Although Hang Seng Bank can get a few thousand taels at a time, they can apply many times and operate it in a short time.

Moreover, the initiative lies with Hang Seng Bank. Even if you apply for 20,000 taels or 30,000 taels at a time, it is not a problem. After all, He Tian is his brother, and He Shanheng is his old friend and colleague.

He Xian asked curiously: "I heard from them that Mr. Lin does not speculate in gold very frequently. He mostly buys low and sells high through various information, and holds it for a long time. Could it be that Lin Sheng is planning to invest in gold for a long time?" ?”

Lin Zhichao nodded without hesitation and said: "Yes, I am betting that gold will rise in the future, so I plan to buy 8,000 taels of gold and cash out in the future."

He Xian is a gold merchant and cannot keep it in his hands. The only way to do business is to keep the goods in rotation.

What's more, he wouldn't really believe what Lin Zhichao said just because he said it.

At this time, He Xian thought in his mind that Lin Zhichao had an unlimited future, and he was good at speculating in gold, so he was just selling it to save face.

A mere 8,000 taels of gold is nothing to He'an Gold Company.

After all, they have to pay US$1.5 million a year in patent fees alone.

"Okay, we'll sell it to you for 8,000 taels, make a friend, and have long-term cooperation in the future." After He Xian finished speaking, he stretched out his right hand.

The two shook hands to express their cooperation.

Next, of course, it’s time to talk about money and specific cooperation.

The gold is delivered in batches and must be paid within one month, with both money and goods being paid in full.

Since Lin Zhichao is not ready yet, it is almost a question of when the Yangtze River Bank will ask for it.

The price is also pretty good, 435 Hong Kong dollars per tael, which is a full 40 HK dollars per tael cheaper than the Gold and Silver Trade Center. However, considering the risks of transportation and gold fluctuations, this price is also reasonable.

For Lin Zhichao, there is another advantage, that is, to get rid of the impression of high-profile inhalation.

Back in Hong Kong, Lin Zhichao came to Jian Dongpu's office again.

"Jane, the Bank of East Asia should have trusted Hong Kong and Macau smuggling ships, right?" Lin Zhichao was not polite, but said directly.

Jian Dongpu nodded immediately and said: "It cannot be said that the Bank of East Asia has a smuggling ship that it trusts. After all, the Bank of East Asia is not speculating on gold, it is just a small attempt. I do know this channel and can introduce it to you. Don't worry."

These big families are indeed deeply entrenched, and this kind of shipowner dare not be a traitor. Once found out, they will only become bereaved dogs.

Lin Zhichao said happily: "Sure enough, I have difficulties. There is nothing wrong with looking for Mr. Jian! I plan to buy 8,000 taels of gold this time and then mortgage it to the Bank of East Asia. I want a loan of 1.5 million Hong Kong dollars, with a term of half a year."

All loans from Changjiang Real Estate have been paid off;

Cheung Kong Industrial has the ability to repay its loans;

Yangtze River Bank's loans and gold have risen well.

Therefore, Lin Zhichao is still the best and most reputable borrower.

8,000 taels of gold, worth a full 3.5 million Hong Kong dollars, Lin Zhichao only borrowed more than 40%, which is not too much.

Jian Dongpu asked curiously: "You don't speculate in gold, but plan to invest in the long term?" After all, the gold is mortgaged in the Bank of East Asia. If it is sold, it will definitely need to repay the previous loan and then return it to the Yangtze River Bank.

Lin Zhichao said confidently: "Within half a year, I will quit gold speculation, and then seek development in real estate and shipping."

Jian Dongpu lamented Lin Zhichao's unrestrained imagination and flexibility in business. Originally, real estate was very profitable, so he went to speculate in gold; now that gold is profitable, he said he would quit soon and go to work in shipping.

If it is right or wrong, he thinks it is right at least for now. Although housing prices in Hong Kong are high, the low prices are also high, so the profit margin is not big anymore. Unless it is used as a long-term rent collection, but then the return on capital will be slower.

"If you do shipping, our Bank of East Asia will not support you!" Jian Dongpu said.

This is the consensus of all bankers, that is, they cannot lend to ship owners because the risks at sea are too great.

Lin Zhichao nodded and said, "It's just a small try, I won't put all my eggs in one basket."

"Okay, you are right to have this idea. If you succeed in gold speculation this time, you should consider stabilizing it. To be honest, your industry is the zipper industry that I am most optimistic about. I don't worry about lending money to Yangtze River Industry at all." Jian Dongpu said .

Even if he gave the loan to Changjiang Bank, he only dared to loan 40% to 50% for the sake of Changjiang Industrial. As for the industry, as long as he thinks it has potential, even if it is twice the capital, he can make up his mind to make a loan.

Lin Zhichao nodded, and Jian Dongpu reminded him that the two had a deep relationship. Of course, whether Lin Zhichao will comply is another matter, but the face is still enough.

In the end, Jian Dongpu agreed to Lin Zhichao - mortgaged 8,000 taels of gold and obtained a loan of 1.5 million Hong Kong dollars.

In this way, Cheung Kong Holdings owes Bank of East Asia 2 million, and Cheung Kong Bank owes Bank of East Asia 2.5 million.

However, Cheung Kong Holdings now earns about 300,000 Hong Kong dollars per month and has begun to repay the loan from the Bank of East Asia in batches. It is very powerful.

As for the Yangtze River Bank, it is fully mortgaged to the Bank of East Asia for 12,160 taels of gold (assuming the mortgage is 8,000 taels this time), which is considered safe.

ten days later.

In an underground gold melting point in Omen, the Lee Shau Kee brothers were leading two Yangtze River Bank workers to count the melted small gold bars piece by piece, and then put them into two boxes.

"Xue Sheng, it's time to go!" Li Zhaoji said to Xue Junshan at the door.

"Okay, Shopkeeper Li." Xue Junshan said calmly.

At this time, Xue Junshan had guns and grenades on his body, and was specifically responsible for protecting the Li Shauji brothers from transporting gold to the dock. Later, Xue Junshan met Li Gaofu on the smuggling ship and headed to Hong Kong together.

Over the years, he felt that his boss personally cared about his family's residence and sent his son to study. He often thought about repaying his boss's kindness to the death. Therefore, he made up his mind to escort the gold this time - he would fight to the death against anyone who dared not be wise.

This team is all people trusted by Lin Zhichao. The financial point of Aomen is the Li brothers, plus two employees of the Yangtze River Bank; the smuggling ship was introduced by Jian Dongpu, equipped with arms, and also escorted by close associates such as Li Gaofu and Xue Junshan; arrived in Hong Kong Later, Lin Zhichao drove to pick them up personally, and then placed the gold at the residence in Lam Tin Yayuan.

Originally, he planned to transport the goods several times to share the risk, but Lin Zhichao thought that it would be unsafe if the goods were transported more frequently. So the transport was divided into five nights, with an uncertain time.

It is transported once every night, totaling 1,600 taels of gold (60,000 grams, Hong Kong system is 37.5 grams per tael).

At night, the speedboat drove on the sea, not too fast.

Although it can reach a speed of 40 knots, it is night and other safety is also important.

"Li Sheng, let the brothers relax! After all, you have transported goods to the north, and you have never seen any big scenes!" Captain Wang Hai said with a smile to Li Gaofu next to him while driving.

But Li Gaofu said: "Wang Sheng, that's different. If you are transporting to the north, if you encounter the G navy and are killed by a few cannons, it will be easier. Anyway, you can't fight against the Lord of Hell. But if you take this road, I heard that it is difficult for the devil to do it." Taming.”

Wang Hai laughed 'haha', and then said: "Don't worry, I have run so many times a year, and I have never encountered Datian Er. Even if I did, he can't outrun us. I am better than anyone else on this road." familiar."

When Li Gaofu heard this, he did not refute. In any case, he was doing something for Lin Zhichao, and it was very important to do it well.

Two hours later.

At the Sai Wan Pier, Lin Zhichao received Li Gaofu, Xue Junshan and others who came ashore.

"all the best"

"good"

Without any nonsense, the two cars started quickly, carrying everyone and two boxes of gold, and drove to Happy Valley.

When they arrived at Lantian Yayuan, they arranged a car to take everyone home. Lin Zhichao returned to his home carrying a box on each side.

1,600 taels of gold, if converted into mainland measurement, is 120 catties, while Hong Kong measurement is 100 catties (1 catty is 600 grams).

Therefore, 8,000 taels of gold is not a lot. The reason why it was smuggled into five times was purely from a safety perspective. It is not the safety of people, but the safety of Lin Zhichao’s gold. In addition, Omen Financial also takes time.