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

After dealing with his three roommates and classmates, Li Xiaofeng shifted his attention to his own business.

The advertising company is currently developing in an orderly manner, and he only needs to focus on overall management. However, his cash flow is somewhat insufficient, and he needs to continue to take out loans from the bank.

This year's housing prices didn't rise much, only about 10%, which means that the value of his real estate holdings increased by about 3000 million.

Because of the high debt ratio of these assets, the net worth loan that Liu Shasha helped him apply for could not be obtained at 8% of the original amount. Therefore, he could only get a loan of 2000 million yuan, which would just make up the total amount of his loan.

He initially borrowed 10 million yuan the year before last, then 70 million yuan last year, and this year, with the addition of 20 million yuan, he has just made a total of 100 million yuan.

However, with 20 million, he already had enough.

The 3 million yuan worth of real estate that I purchased in previous years has been almost all rented out. After covering the loan interest, it can also cover part of the principal. Therefore, I only need about seven or eight million yuan per year.

In addition, the annual interest payment for this 100 million yuan commercial loan is more than 7 million yuan. Therefore, the monthly payment and commercial loan interest combined amount to 15 million yuan per year.

Furthermore, he has now expanded from three gyms to ten, and business is booming. Each gym has an average revenue of around 270 million yuan, an average profit margin of 30%, and a return on investment of around 80%, which is really impressive.

Actually, he didn't have much money left over last year. Although it looked like he had 20 million, he didn't actually have much left.

The newly acquired 100 million yuan property requires a monthly mortgage payment of 7 million yuan. The previous 200 million yuan property required a monthly mortgage payment of 5 million yuan. The 80 million yuan commercial loan interest will amount to nearly 6 million yuan. In other words, he will only have about 2 million yuan left at most.

The gym business has a major advantage: the cost recovery is relatively quick and the turnover is also relatively fast. After all, most people who come to the gym buy memberships, and most of them buy annual memberships. Even personal training sessions are paid for in advance.

In other words, as long as business is good and there is a lot of customer traffic, the gym can recoup most of its investment in a short period of time after opening.

In addition, Li Xiaofeng has a large amount of rental income as cash flow, which he can use temporarily. He just needs to bring the cash back before paying the monthly mortgage.

These are all his private properties, so there's no need to worry about him committing a crime by misappropriating funds.

In the past year, these 10 gyms earned him about 800 million yuan. Combined with the 200 million yuan he had on hand, he just broke even on all the costs of opening the gyms and also spent all the money he had.

However, this year will be better, because these 10 gyms will no longer require investment. Over the course of a year, they can bring him a stable income of 800 million yuan. Adding the remaining 500 million yuan from the loan, he will have 1300 million yuan in funds.

Therefore, after some calculations, Li Xiaofeng decided to invest another 100 million yuan in real estate this year. After all, only 7 million yuan needs to be invested in the first year.

He still has 600 million yuan in hand, which can be used to further expand the gym's business.

Just after the 20 million loan was approved, Li Xiaofeng received a call from Liu Shasha.

"Xiaofeng, what's wrong? You're disowning me now that you've got the money? Don't you know how to treat your sister to a meal?"

"Sister Sasha, look at what you're saying! Time and place!"

"There's no time like the present. I happen to be having dinner with a friend today, so could you pay the bill?"

"No problem, here's the address, I'll be right there. Perfect timing, I haven't eaten yet!"

After obtaining Liu Shasha's address, Li Xiaofeng drove his BMW and sped off to a mid-range seafood restaurant.

When Li Xiaofeng entered the private room, besides Liu Shasha, there was another stunningly beautiful woman with exquisite makeup and fashionable clothes.

"Let me introduce you. This is my younger brother, Li Xiaofeng, and this is Tang Shanshan, a producer at Shanghai TV Station!"

With a smile and a slightly teasing tone, Tang Shanshan asked, "Sasha, when did you get a little brother?"

Liu Shasha rolled her eyes at her and said irritably, "I recognized him myself. He's my daughter's godfather, okay?"

"Done, oh, I see, hehe!" Tang Shanshan laughed meaningfully.

"Even food can't shut you up!"

Tang Shanshan ignored Liu Shasha and said to Li Xiaofeng with a grin, "My little brother, I'm craving Australian lobster now. Could you grant me that wish?"

Li Xiaofeng glanced at Liu Shasha and seemed to understand her intention: to show off in front of her best friend.

So he smiled and said, "Sister Shanshan, it's just a lobster, why has it become a wish? Here, you can have as much as you want. How about this, one for each of you first, and more if you're not full."

"Sister Sasha, after we finish eating, please take one back for Nannan. I've been quite busy lately as her godfather and haven't seen her in a long time. Please give her my regards!"

Tang Shanshan was taken aback for a moment, then chuckled and said, "Oh my, I didn't realize your younger brother was so capable at such a young age. What does your family do?"

Li Xiaofeng smiled slightly and said in a nonchalant tone, "I'm all alone, with no background whatsoever. I just graduated this year and worked part-time at school, earning a little money."

"Oh, I think we should order two less. If you end up eating dirt after this meal, I'll feel really guilty!"

Li Xiaofeng smiled and said nonchalantly, "It's not that bad. I looked at the menu and the prices at this restaurant are quite reasonable, only a little over two hundred yuan per pound. They even cook it for us before serving it. I didn't know that before!"

Then, he turned to Liu Shasha and said, "Sister Shasha, are you trying to save me money? There's no need. If you want to eat something, just tell me. Are you worried that I, as your younger brother, can't afford to feed you?"

"Hey Sasha, your little brother's got quite the nerve. What's his background? Where does he work?"

Liu Shasha took a sip of freshly squeezed juice and said with a smile, "My younger brother is nothing like us, working hard every day. He started his own business a long time ago and opened an advertising company!"

"Really? That's amazing, Xiaofeng! What's the name of your advertising company? I won't just eat your lobsters for nothing; I'll get you some ads later!"

"Thank you so much, Sister Shanshan! My advertising company is called Wanzhong Media!"

Upon hearing Li Xiaofeng's words, Tang Shanshan became somewhat unsettled, her eyes showing surprise as she began to scrutinize him carefully.