Urban Life: I Just Want To Work Hard!

Chapter 95: The Way to Make Money, Helping Gu Kexin

"Hello, who is this?"

"May I ask if this is Mr. Li Mubai?"

The voice on the other end belonged to a middle-aged woman, with a gentle tone and a hint of respect.

Li Mubai furrowed his brows even more. There are scam calls in parallel worlds too? And it seems like this person is quite skilled.

He looked at the last five digits of the caller's number again.

Li Mubai politely continued, "I am Li Mubai. May I ask who is calling?"

"Mr. Li, I apologize for disturbing your rest. Please allow me to introduce myself. I am Song Yahong, the branch manager of the Jiuzhou Bank's Imperial City branch. Recently, your deposit in our bank has reached a balance of over 450 million..."

The caller explained the purpose of the call, and Li Mubai instantly understood.

"Oh, Manager Song, hello."

After confirming that Li Mubai was indeed the person they were looking for, the caller's attitude became even more respectful, and Li Mubai responded politely.

"First of all, thank you very much for choosing our Jiuzhou Bank. We will not let Mr. Li down. Secondly, due to the large amount of your savings, our bank has opened a private banking channel for you and sincerely invites you to become an exclusive VIP of our Jiuzhou Bank. This will facilitate all the customized services you or your company may need. I wonder when you will have time. Can I invite you for a meal?"

The respectful tone, the change from Mr. Li to Mr. Li Mubai, and the flattery, all made Li Mubai feel comfortable.

It's not just a branch, but the Imperial City branch!

The caller didn't even have the air of the branch manager of the Imperial City branch.

As expected.

This is the first threshold that wealthy people need to go through.

Although Li Mubai is living off others, reaching this level of living off others is something that few people can match.

Abruptly.

Li Mubai's eyes narrowed.

His instinctive reaction made him guess that this call was arranged by Yun Wuyue or Lin Jiayin...

Is being a bank VIP really just for the privilege of not having to wait in line and being able to withdraw money from the bank manager's office?

Wrong.

The real private banking channel is just a key to open up a circle.

Because the bank will integrate all the top billionaires with assets over 100 million into a club-like form.

The bank acts as the intermediary of this club, and the VIPs who join this club will have access to top-notch individuals from various industries, fields, and circles.

Connections are sometimes more useful than money.

Li Mubai remembered that night when Lin Jiajia shouted at Yun Wuyue and Lin Jiayin, saying that Li Mubai had never said what he liked or what he wanted to do, and that Yun Wuyue and Lin Jiayin were forcibly controlling him.

Lin Jiajia might have said it unintentionally, but Yun Wuyue and Lin Jiayin probably thought about it afterwards.

No matter what Li Mubai does, they are willing to support him.

But... after what happened that night, they can't openly help Li Mubai anymore. So this circle can become a great help for Li Mubai.

And the reason why Yun Wuyue proposed the condition of singing last night was probably because she thought that Li Mubai had more talent in this area, and Yun Wuyue could personally take care of him.

Sure enough... Li Mubai heard Song Yahong continue.

"Mr. Li, currently we have a total of 10,574 private banking VIPs at Jiuzhou Bank. If you join, you will have access to all the resources shared by our private banking VIPs."

Li Mubai sighed in his heart. The president and the sisters are really good to him!

Unfortunately... he was just casually talking that night, mainly to unlock the "Charming Beauty Illustration".

Unknowingly, Li Mubai clicked back to the Feixin interface and looked at Gu Kexin's chat page.

This little girl... dropped out of school, probably had a big fight with her family, and yet she came to him first when she found such an easy and profitable job as a piano tutor.

After thinking for two seconds, Li Mubai looked at the time. It was now 10:20 in the morning.

Immediately, Li Mubai replied, "Manager Song, I have time now. Can we meet now?"

"Of course, then... half an hour later, at the Left Bank Cafe on Zhuque Street. Is that feasible for you, Mr. Li?"

"Okay."

Manager Song wished Li Mubai a happy life and hung up the phone with a smile.

The reason for the meeting was naturally because of Gu Kexin. He planned to help Gu Kexin a little, shorten her struggle time a bit, and at least help her accumulate her first bucket of gold in life.

It doesn't need to be too much, a few million will do.

This is too simple for the current Li Mubai.

Even if Li Mubai really works hard now, it is very easy to make money. Let's take a simple example.

Real estate speculation.

Buy a house, then use the house as collateral for a loan, and then use the bank's money to make money.

It doesn't require too much money, one or two million is enough, but the process is a bit troublesome.

One million, first go to the bank to apply for a loan with a certificate of deposit as collateral, and you can get 90% of the face value of the certificate of deposit. Then use this 900,000 to fully purchase a house.

Just with this step, your net worth is already close to two million, because you have one million in savings in the bank and a house worth 900,000 under your name.

In this way, your credit assessment has reached the bank's high-quality level. You only need to use the house to exchange for another mortgage loan from the bank, and you can get 70% of the 900,000, which is a loan amount of 630,000.

With this 630,000, you can use it as a down payment to buy a house, whether it's one or two. Taking a 30% down payment as an example, you will have an additional 2.1 million in real estate.

At this point, you have become a small millionaire with a net worth of four million.

Real estate appreciates, face value depreciates...

Money can make money, that's the principle.

If someone like Li Mubai has 4.5 billion, they can directly get shares in a large company and wait for them to appreciate.

After all, even in the world of novels, the progress of civilization is consistent, and Li Mubai is familiar with all the future development trends. There are still many opportunities to make money.

So, helping Gu Kexin is easy for Li Mubai...

In fact, Li Mubai even thought of a way to quickly accumulate original capital in this period of the novel world, but it might be a bit tiring.

But he believes in Gu Kexin and believes that she can complete this transformation.

This business is related to the bank - applying for an ETC (Electronic Toll Collection) card.

The era is advancing, and intelligence and electronicization are popularizing, and the same goes for this world.

The ETC service launched by highways and banks can be considered a dividend of the times.

However, ordinary people have always had reservations about applying for cards, and the bank's salespeople are not enthusiastic about this matter.

Some so-called "suit" mentality, unwilling to lower their status.

Every salesperson who comes to the bank to handle business will not actively introduce the convenience and usefulness of ETC.

So, this world is the same as Li Mubai's previous world. Banks recruit people to promote outside, and they get a commission for successfully handling an ETC card for a user.

According to Li Mubai's memory, the basic commission in the past was probably between 50 to 100 yuan.

As long as you bring someone to apply, you will be rewarded with this amount.

Li Mubai plans to start with Gu Kexin from here.

This matter actually has one difficulty. If you convince people to apply for a bank card, after all, the bank card needs to be linked to the ETC card for deduction.

If you take charge of the ETC business, you have to make people apply for a bank card first and then apply for an ETC card. How many people would agree to this?

You can only hope for a lucky chance, hoping that the bank they go to is Jiuzhou Bank.

Actually, solving this problem is very persistent, and the specific operational method is actually very simple.

You only need two words - connections!

Ordinary people have different bank cards, some are from Construction Bank, some are from Industrial and Commercial Bank, some are from Jiuzhou.

So when you ask someone who has a Construction Bank card to handle the Jiuzhou bank card for ETC services, the likelihood is definitely very low.

But if you ask someone who already has a Construction Bank card to bind this Construction Bank card for ETC services, and also give them rice and oil, so that they don't need to stop and pay for tolls when they go on and off the highway, then this matter naturally becomes much simpler.

It's just that Jiuzhou Bank alone has too few precise user groups. But if you take over the ETC services of many banks such as Jiuzhou Bank, Industrial and Commercial Bank, Construction Bank... and then persuade car owners to open ETC services, what will happen?

It will be twice the result with half the effort!

In a very short period of time, you can quickly accumulate a large amount of basic capital while others follow your operation.

You can also hire employees, specifically targeting those who are constantly running insurance, and let them go out and promote. They don't need to open bank cards from other banks, they just need to bind ETC and they will receive gifts.

Reward an employee with ten yuan for bringing in one car owner, and if they bring in more than ten in a day, the reward will increase to twenty yuan per car owner.

These employees who used to sell insurance will definitely be excited.

When you have a hundred employees, and each of them brings in an average of twenty car owners to apply every day.

Gu Kexin can earn about 120,000 to 200,000 yuan, and the salary is 40,000 (Wang or Zhao).

The net profit will be between 80,000 and 160,000 yuan!

And it doesn't take a long time, maybe ten days or half a month, Gu Kexin should have her first pot of gold.

This is what is called connections.

Connections with banks.

Li Mubai plans to directly contract the ETC business of Jiuzhou Bank to Gu Kexin when he meets Song Yahong later.

Then, he will allocate tens of millions to several major banks and have their ETC business also contracted. Gu Kexin will handle the actual operation at that time.

Immediately.

Li Mubai replied to Gu Kexin's message: "Where are you? I also have a part-time job here, but it's very tiring, especially tiring, but you can earn a lot of money!"

Being tired is certain. Every day, you have to go to various parking lots, contact the banks, manage employees, and Gu Kexin has to personally handle all these tasks.

After all, the price given by the bank cannot be disclosed to the employees.

Gu Kexin almost instantly replied: "Can earn a lot of money? I'm not afraid of being tired!"

PS1: Give Gu Kexin a bit more role, she should have a long way to go... I always think of the past Xiaobai when writing about Gu Kexin, who ended up with nothing, very miserable.

PS2: I beg the readers to urge for more updates and send votes, let Xiaobai become a writing machine! Seeking flowers, seeking evaluation votes, seeking automatic subscriptions!!!