Only after being reborn did I realize how fascinating the world of the rich is.

To be honest, Liu Qianqian is a very beautiful and intelligent girl. If she is properly nurtured, she will have a bright future. Most people's abilities are actually developed through training and opportunities.

However, human nature is complex. A girl like Liu Qianqian is very proud. If you can't control her, even if you end up with Li Xiaofeng, you'll be marrying a tyrant.

Li Xiaofeng doesn't need ancestors.

There are plenty of women out there, no need to hang himself on one tree. As long as Li Xiaofeng gets richer and richer, none of this matters.

As the years passed into 2002, housing prices in Shanghai began to rise sharply, with the average price increasing from around 3600 yuan per square meter the previous year to over 4700 yuan.

The first wave of investment was 100 million yuan in real estate, purchased at 10% below market price, equivalent to an average price of 3000 yuan per square meter, with a total increase of 56%.

Last year, the second wave of investment involved 100 million yuan in real estate, purchased at 5% below market price, resulting in a total increase of 35%.

In other words, with the two rounds of real estate investment combined, he has already earned 90 million, which is almost enough to achieve a small goal.

Why did Li Xiaofeng eventually give up the exterior wall paint business? It was because a better business, real estate speculation, was available. If handled well, one could earn tens of millions a year without lifting a finger.

Cao Jinpeng thought he had found a good project and was willing to drop out of school to do the exterior wall paint business. Even though he had connections and influence, he could only earn a few million yuan a year.

To earn ten million, you have to be extremely busy, and you also have to exhaust all the connections and relationships your family has built up over the years.

There's a saying that goes, "True money comes from knowledge; you can never earn money beyond what you know."

In fact, if Li Xiaofeng had these insights, any one of his roommates would have more capital to speculate on real estate and would have earned more.

Although Li Xiaofeng had told them that he was speculating on real estate, and they could easily find out what he was doing if they paid a little attention.

However, due to a lack of understanding and a reluctance to gamble like Li Xiaofeng, they also cannot actively make money.

After breaking up with Liu Qianqian, Li Xiaofeng contacted Liu Shasha again, intending to get some more loans from her.

"Congratulations! House prices have risen so much this year, you're rich!" Liu Shasha's eyes sparkled, her gaze full of allure.

Li Xiaofeng remained unmoved, smiled, and said in a nonchalant tone, "What's the point of getting rich? I'm so poor I'm practically pawning my pants. That's why I was planning to ask you for help to get a loan from the bank!"

"If you're so poor you've sold your pants, then what about all of us who'd be starving? You can't hide it from me; your personal balance sheet is right here!"

"Assets are one thing, but I'm out of cash right now. I need cash to continue investing and for working capital!"

"Tell me, how much money do you want to borrow this time?"

"Sister Sasha, can you help me calculate the maximum amount I can borrow from you?"

Liu Shasha roughly planned it out for him.

"The value of your properties has increased to around 90 million, and with your monthly mortgage payments and interest, it's about 100 million. But you've already borrowed 10 million from us, so your net worth is around 10 million."

The real estate market is booming this year, and major banks are launching promotional activities such as net asset value loans and mortgage refinancing to stimulate the market. They can lend you up to 20% of your net asset value, which is around 70 million!

"Then I'll borrow 70 million."

"Wow, you're borrowing so much? Are you going to continue investing in real estate?"

Li Xiaofeng smiled and said in a calm tone, "You can't put all your eggs in one cage. Besides, with such a big increase in real estate prices this year, the increase in housing prices next year is probably not that big."

In addition, I'm about to enter my senior year of college, and I have other business plans. Speculating in real estate can be quite profitable, but it may not be the most profitable business.

Besides, real estate speculation is a speculative activity that doesn't generate value itself, and the government will definitely introduce policies to curb it in the future. I plan to gradually move into the real economy.

What industry are you planning to go into?

"I started an advertising company with Qianqian and the others. Once my loan is approved, my next step is to get this advertising company up and running. We're already thinking about the next stage of development."

Seeing that Liu Shasha seemed somewhat disheartened, Li Xiaofeng smiled and said, "However, I still intend to further increase my investment in real estate."

After all, I'm still very optimistic about the future of the real estate market. Shanghai is a leading city in the country; it's a fool not to make money when it's available, don't you think?

"Oh, so how much are you planning to invest this time?"

"Isn't there a zero down payment policy now? I'm planning to buy another 100 million yuan worth of office and commercial real estate, and I'll have Sister Qianqian handle all the arrangements for me."

I have only one requirement: the price cannot be higher than the market price, and I cannot buy in those remote or out-of-the-way areas. I want to buy in the city center as much as possible so that I can easily resell it in the future.

Of course, it would be even better if the purchase price could be lower than the market price!

Liu Shasha chuckled and rolled her eyes at him, annoyed: "You're really hard to please. The real estate market is so hot right now, and you're buying in such large quantities. It's already quite generous of us to buy it for you at market price!"

She was in a good mood.

Li Xiaofeng gave her a deal worth 100 million yuan. Based on the current market rate of 0.3% commission, she could get at least 300,000 yuan in commission. Moreover, this money was reasonable, legal, and compliant, and could be justified anywhere.

Three hundred thousand yuan—that was in 2002! That was enough for her to buy half a three-bedroom apartment.

"So, is Sister Sasha easy to please?" Li Xiaofeng's tone was full of teasing.

He had only meant it as a joke to lighten the mood, but to his surprise, Liu Shasha smiled broadly, bit her lip, and said shyly and coyly, "Would you like to give it a try?"

"Try it then. Do you think I, a grown man, am afraid of a little woman like you?" Li Xiaofeng didn't mince words and directly confronted him head-on.

Although Liu Shasha was already married, based on Li Xiaofeng's experience, a woman with her personality, coupled with her high-level white-collar status, would not easily give herself to someone, so there should be no problem with her safety.

Of course, most importantly, Liu Shasha is quite attractive, and she and Liu Qianqian each have their own merits. In addition, with her age and experience, she is far more charming than Liu Qianqian.

To put it simply, if Liu Qianqian is a green apple that has just ripened, then Liu Shasha is a fragrant red apple that is delicious with every bite.