Transmigrating to Book 50, others hoard rice, I hoard money

One year after Zhou Jifan and Ye Baiwei got married, they gave birth to twins, a boy and a girl.

What Zhou Rong is busy with every day is taking care of the twins with several nannies, and occasionally giving guidance to Zhou Jifan in handling company affairs.

Entering the millennium, all industries in the country developed rapidly. At the suggestion of Zhou Rong, Zhou Jifan invested in several newly established Internet, technology, new energy, e-commerce and other companies.

These companies took advantage of the trend of the times and developed rapidly, bringing rich returns to Zhou Jifan's "Fanshuo Technology" and investment company.

"Fanshuo Technology" also launched a series of new smartphones and computers, far surpassing its competitors. Combined with the profits from the stock market, Zhou Jifan was worth hundreds of billions when he was less than 40 years old.

But he is very low-key, rarely appears in public, and does not expose his and his family's private life to the media.

Whenever a region of the country was hit by a disaster, he would actively donate money and materials, and was named an outstanding youth of the era and a member of the National People's Congress.

After the financial crisis in 2008, in order to hedge against the economic downturn, the government introduced a series of stimulus policies, which led to the rapid development of the real estate industry.

Taking advantage of this opportunity, Xu Hanhua bought a lot of land and built properties for sale, making a lot of money.

Zhou Rong told Xu Hanhua that the country's real estate development was too fast, exceeding the actual purchasing level of ordinary people, and there was a huge bubble. If the bubble burst like in Western countries, the company would suffer heavy losses.

Zhou Rong suggested that after delivering the dozen or so real estate projects he had, he should not acquire any more land to build new buildings, and should gradually transform the company from a heavy asset model to a light asset model.

Zhou Rong’s predictions had never been wrong. Xu Hanhua believed in her judgment, stopped buying land, and began to focus the development of the real estate company on the fields of medical care, culture, and tourism.

When the industry was in decline, other real estate companies either struggled to survive or went bankrupt and ran away. Xu Hanhua's real estate company not only had sufficient cash flow, but also became a benchmark for real estate companies to transform...

Chen Jinyu was admitted to a military university and is currently serving in the army.

After graduating from university, Chen Jinchen joined the Commerce Bureau, and Wang Ruizhe's son Wang Ziqian became a public security officer.

Chen Sitian studied fashion design, and when she graduated, Xu Man transferred her clothing store and the copyright of all the clothing items to her name.

When Zhou Rong was 80 years old, Wang Chengnan passed away.

Nini, Chen Zhan Ning, and Wang Ruizhe all had to go to work, and their grandchildren also had their own careers to take care of. Xu Man didn't even have anyone to talk to at home, so she contacted Zhou Rong and asked for "shelter".

Zhou Rong welcomed Xu Man very much. When Xu Man arrived in Pengcheng, he took her to travel all over China and abroad, tasting local delicacies and experiencing the exotic customs...

Xiao Shuai told Zhou Rong that only physical objects can be taken away from the space, and the money in the bank card cannot be taken away.

Ever since he knew he could go back and possibly take the space with him, Zhou Rong started to "save money".

Due to her frequent trips abroad, the balance in her space account is currently less than 1 yuan. If she returns to the afterlife with this amount of money, she will probably lose more than ten pounds.

After struggling for two lifetimes, Zhou Rong now just wants to lie down and rest. She wants to bring back more money so that she can have enough food and clothing.

She transferred 50% of the profits from Xu Man's clothing store, 25% from Shengli Food Factory and Tang Zhaoshan Garment Factory, and 30% of the dividends from Xu Hanhua Real Estate Company to the fund company.

Now she has kept all the money in her own bank card, and regularly withdraws some of the profits from fund companies and investment companies and deposits them into the account.

But these were small amounts of money. After saving for several years, the cash she had was less than 1000 million. The main reason was that various countries had been issuing new currencies in recent years, and Zhou Rong was worried that the old currencies she brought back would be unusable.

If the amount is small, you can go to the bank to exchange it. If you take tens of millions or hundreds of millions of old currency to the bank, you will probably be invited to the public security bureau for a chat...

It is easy to deposit money but difficult to withdraw money, especially when online payment is popular, it is even more difficult to withdraw large amounts of cash.

In order to withdraw money conveniently and avoid suspicion, Zhou Rong applied for savings cards in various banks. When traveling around the country and abroad with Xu Man, she would withdraw cash whenever she got the chance.

There is a limit on cash withdrawals from domestic banks. You cannot withdraw more than 2 yuan a day from an ATM. If you want to withdraw more than this amount, you must go to the counter. If the amount is larger, you will need to make an appointment in advance.

If you want to withdraw 1000 million or more at one time, not only do you need to make an appointment at least two days in advance and have it reviewed by branch-level leaders or above, but you will also be monitored by the China Banking and Insurance Regulatory Commission to prevent large amounts of cash from being used for illegal purposes.

Zhou Rong withdrew 5 or 10 yuan each time. After saving for a few years, she had more than 3000 million yuan in cash in her space. She also hoarded several million US dollars and euros, as well as some gold and jewelry.

After playing outside for a few years, Xu Man said she was tired and wanted to go home and didn't want to go anywhere else, so Zhou Rong accompanied her back to Jiangcheng.

The two lived in the Chen Mansion, where they went shopping, cooked, chatted, grew flowers, and raised cats every day. Their life was very comfortable.

When Zhou Rong was 85 years old, 88-year-old Xu Man passed away.

Zhou Rong was very sad because she no longer had a good friend with whom she could talk about anything.

After Zhou Qingping and Zhong Jiawen retired, they were hired to teach at Jiangcheng University. Zhou Jifan was worried that his grandmother would be bored in Jiangcheng, so he took Zhou Rong to Pengcheng.

Zhou Rong had nothing to do, so he went to various banks to withdraw 10, 20, and 50 yuan.

Regarding the purpose of the withdrawal, Zhou Rong wrote that it was to pay employees' salaries or to give holiday red envelopes to children at home.

The bank was not suspicious of this excuse, because Zhou Rong asked someone to make a work permit and construction contract. Some older migrant workers on the construction site did not know how to use smartphones and could only pay their wages in cash...

Zhou Rong also stockpiled a lot of food and daily necessities. When she was almost 87 years old, there was more than 1 million in cash, as well as a large amount of gold and jewelry in her space.

There were more than 5 million yuan left in the bank card, and Zhou Rong decided to divide them among his children.

In the future, it is not easy to launder a large amount of cash out of thin air. If you are accused of "money laundering", you will be in trouble. More than 1 million in cash is enough for you to live a carefree life. If you can't afford it, you can sell some gold or antiques...

Zhou Rong did not divide the shares of "Fanshuo Technology" and the investment company in his will. They were held solely by Zhou Jifan to prevent the equity from being dispersed or for an incompetent descendant to sell shares and cause unrest within the company.

The fund company has been transformed into a trust company. Every year, 20% of the profits of "Fanshuo Technology" and the investment company will be deposited in the trust company.

Zhou Rong signed an agreement in advance regarding the dividends from the real estate company, Tang's clothing factory, Chen Sitian's clothing store, and Shengli Food Factory. All earnings would be deposited into a trust company by the end of the year.

All of Zhou Rong's sons, daughters, grandchildren, and great-grandchildren were given a house of similar value for the properties they bought, and the rest were rented out, with the proceeds also deposited in a trust company.

Zhou Rong stated in her will that her descendants could receive a living allowance of 100 million yuan every year from the trust company. If they did not want to receive the money, they could keep the money in the trust company in the name of investment and enjoy the established investment returns.

As long as everyone does not live a life of extravagance, even if they only earn two to three thousand yuan a month, Zhou Rong believes that with her share of the inheritance, her descendants will have no worries about food and clothing......