The so-called view of money is the view of wealth. This is also the key point that Jing Gao wants to ask.
Since he got the Shenhao Card, he has actually been very restrained. Always use the Internet to remind yourself of those people and things that suddenly made you rich but ended badly. Three provinces in one day. In order to finally be able to control the power of money.
As the saying goes: If a gentleman is knowledgeable and examines himself every day, he will know clearly and act without fault.
So, Duan Yongping and other trend-setters who have made money in the tide of the times with their own abilities, how do they view "money"?
"Mr. Jing, this is a good question!" Duan Yongping looked at Jing Gao with interest and was very satisfied with Jing Gao's question. This was not something ordinary people could ask.
Most people who are willing to think about this problem may not have money, or enough money. There are very few people who have the ability to think about this problem.
The problem most of the first generation of self-made rich face every day is business pressure. As for the rich second generation, they were born with fine clothes and fine food, and they take everything for granted. They won't think about this essential issue at all.
"Mr. Jing, I still have a normal mind as I just said. I have seen too many examples where many people become unhappy because they have money. And I personally think it is stupid for a person to become unhappy because of money. of.
I have actually gone through this stage. As I saw more and more money on my books, I thought it was a scourge and a trouble no matter how much I thought about it. "
As Jing Gao drank tea, a collection of Ma Yun's pretentious sayings naturally came to mind: "It's painful to make billions a month." In fact, it was difficult for him to understand Mr. Ma's thoughts. But when Mr. Duan said this, it felt a little vague.
“Is it because of California’s tax system?”
Many bosses in China frequently announce in the media in a high-profile manner that workers and managers will not receive wages until the company's X goal is achieved. Or just get a symbolic salary of 1 yuan.
In those years when the Internet was in its ascendant, ordinary netizens were really moved to death. But the real reason is now known to all netizens on the Internet, because China’s tax rate is very high for the rich.
As long as those bosses dare to take wages, almost half of their monthly wages will be paid to the state as personal income tax. And if the bosses only take dividends, according to the law, they pay 20% directly. Anyone would be willing to take only 1 yuan or no money at all!
(Note: This is the standard before the implementation of the new tax law in 2019. The current personal income tax is comprehensive withholding.)
Duan Yongping smiled calmly and said: "There is a factor in this aspect. The personal income tax system here in California, based on my income, the federal tax and California state tax add up to about 45%. If it is long-term capital gains, that is, more than one year The combined federal and state taxes on investment income are 25%.
However, if you donate stocks directly to a charitable foundation or other public welfare organization, you only need to pay a maximum of 2%. "
Jing Gao just wanted to say one thing in his heart: Damn it! The capitalist world is all about having fun!
The most direct way for poor people to avoid taxes is to use cash transactions. How much money can this avoid? Rich people donate capital directly to charitable organizations and pay only 2% tax. Sure enough, the law serves capital!
No wonder, when he communicated with Professor Jin and Professor Zhai, he got this information: The U.S. government’s tax reduction plans usually reduce the taxes paid by the rich. There are very few universal policies that truly benefit the poor and people at the bottom.
Judging from his experience half a month ago, Bill Gates donated all his Microsoft stocks to his "Gates Foundation". How much tax can this "reasonably" save?
I'll go!
"My wife and I have similar views. We can't leave all the money to the children. The greatest support for the children is to give them the best education. Leave some money for them as a backup so that they will not be impoverished. I have worked in the corporate world throughout my life. We enjoy a lot of fun in the process of growing up and investing. Leaving a pile of money to children will only deprive them of future fun. The most important thing is to let them earn it themselves.”
Duan Yongping ate Cantonese food and rice with a smile, waiting for Jing Gao to think. He believed that with Jing Gao's understanding and wealth, he could understand his mental journey, and there was no need to say anything more.
For a while, the dinner table was a little quiet. The four of them were eating separately.
Jing Gao pondered.
He roughly understood why Duan Yongping had such thoughts and views on wealth.
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The rich people's view of money is completely different from the ordinary people's view of money. For example, most of the daily expenses of the rich are held in the company's accounts, which is a reasonable means of tax avoidance.
Like Ma Yun's car before she retired, the nationally famous Maybach. In fact, it is the property of Alibaba. Our ordinary people’s daily expenses are based on how much money we earn!
This, of course, brings about a completely different view of money: the rich will think about money in companies, funds and other entities. What they focus on is the money they can control! And we can only focus on our pockets and bank cards!
This is the essence of the different views on wealth!
The first point is what Duan Yongping said. Seeing more and more money on the books, no matter how you think about it, you feel that it is a scourge and a trouble.
This is called, the troubles in life are different.
For ordinary people, they only hate money in life! The house is too small, the car is not luxurious enough, the school the children attend is not good enough, the wife is not beautiful enough or rich enough...etc.
What is the biggest problem for wealthy people?
Tax avoidance!
Who is willing to pay taxes on their hard-earned money? Or leave a sum of money to your children, only to have to pay a huge inheritance tax? Everyone wants to avoid taxes reasonably!
Of course, the saying that money is a curse can only be said after enjoying everything. Because money has magic power, you can get lost in it accidentally and eventually be overwhelmed by "money".
Second point, don’t leave too much money for your children.
This "not much" is relative to Duan Yongping's net worth. If a person doesn't mess around and just enjoys a life of good food and clothing, he will probably have one to two hundred million US dollars.
From the perspective of educating a child, giving too much money is destroying him. The right one is the best.
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Jing Gao's understanding of this view of wealth is not deep enough. Because he is still in a high consumption age stage! How can anyone have such an awareness under the age of thirty? If he didn't have an unlimited card, most of his companies would be losing money! He also has to worry about not having enough money to spend.
Duan Yongping is in a stage of life with low desires. He is 57 years old this year and belongs to what Professor Zhai said: a group with low consumption desire.
"Mr. Duan, I agree with your point of view on children's education. As for how much money to leave for him, I will think about it later! However, I have an idea. Mr. Duan, if you have any charity projects, I am willing to donate a little. Let’s realize it slowly!”
Jing Gao had done some homework before coming here. Ding Sanshi followed Duan Yongping to do charity. It would be inappropriate to directly invest money in Duan Yongping's family fund. However, both of them graduated from Zhejiang University. There is this relationship.
It was worthwhile for him to invest some money in charity and maintain contact with Duan Yongping, the business godfather.
Duan Yongping smiled and said: "Okay!"
He is an old Jianghu, and Jing Gao's words are very clear. I am willing to slowly understand his business and wealth concepts. Personally, he has no shortage of money for charity. But he does have a philanthropic heart. He would be happy to have more funds come in.
Anyway, Jing Gao didn't leave any money for him to take care of, but after he found a suitable project, Jing Gao followed suit and invested a little.
Jing Gao raised his teacup and said, "Mr. Duan, here's to you. If you have any parting words, what can you say to me?"
Duan Yongping smiled slightly and said: "If I must say it, it is: enjoy life, this is the purpose of people coming to this world."
After the meal, Jing Gao and Duan Yongping took a group photo. Dong Youwei exchanged contact information with Duan Yongping's assistant and said goodbye at the door of the Chinese restaurant.
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The black Cadillac moved forward slowly and returned to the four-star hotel in downtown Palo Alto.
It was a little quiet in the car.
Dr. Song drove the car, and Dong Youwei sat in the passenger seat. Jing Gao asked: "Youwei, what do you think of Mr. Duan's point of view?"
Dong Youwei is taciturn and does a very good job of trying to figure out the "Shangyi". He knew that Jing Gaowen's view on wealth was not about business, so he smiled and said, "Mr. Jing, I don't have that much money. I can't learn from you even if I want to."
Jing Gao leaned on the car seat in the back and said with a smile, "Youwei, are you married?"
"It's over. No kids yet."
"Dr. Song, what about you?" Jing Gao asked again.
Dr. Song, who was driving, smiled a little cautiously and said, "Mr. Jing, I'm still talking to my girlfriend. We have to wait two years for marriage."
In fact, as the general manager of the Phoenix Fund's Silicon Valley team, he had of course heard of Duan Yongping, a well-known investment tycoon in the Chinese American community. But he just had something to deal with at the last minute, so he couldn't eat at the same table. He could only take a bite and listen to it next to him.
What he does is venture capital, which is completely different from Duan Yongping’s value investment philosophy.
Jing Gao nodded, said nothing, and pondered slightly.
In terms of business, he still admires Duan Yongping's philosophy, and he indeed explains many things thoroughly. In terms of the concept of wealth, he did not fully agree, but only got a partial answer. After all, he is not yet thirty years old!
But he agreed with Duan Yongping's last words: enjoy life.
Duan Yongping enjoys life by playing golf, meeting friends at home and abroad, educating children, investing in his spare time, and managing accounts for his friends. The main job is to do charity.
And what is his enjoyment of life?
Hedonic stimulation is only temporary happiness. After passing that stage, you won’t be particularly nostalgic. Only by maintaining your own interests and hobbies and arranging your own life can you enjoy life!
Although he did not get a consistent answer from Duan Yongping on his "view on wealth" and his views on money, it was still quite inspiring to him.
He still has a long way to go!
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Back at the hotel, Weiwei and Chen Yujie had not returned from their visit to Stanford University. Jing Gao sent them a WeChat message, took a shower, and checked the time difference online. He definitely couldn't remember the time difference between the two places.
It is 16 hours faster in China than here in California. It's about two o'clock in the afternoon. In China it’s past ten o’clock at night.
Jing Gao thought about it for a moment, then sat on the sofa in the hotel living room and called Zhang Li, "Xiao Li, do you have Liu Ziyu's phone number?"
In early August, Zhang Li was in her junior year at Fudan University. She is still in summer vacation. However, she did not go back during the summer vacation. Instead, she worked in the Magic City Branch of Taichu Group. That is, Nie Yunxi and Chen Qingshuang's subordinates.
Zhang Li is studying seriously in the rented dormitory on campus. Her study task is very heavy, not only the university courses, but also various learning materials in the company. "Mr. Jing... Liu Ziyu and Song Yan have broken up."
To be honest, Zhang Li was shocked. Liu Ziyu is Song Yan’s ex-girlfriend. She thought Jing Gao asked her for Liu Ziyu's mobile phone number because he was preparing to cause trouble for Liu Ziyu.
She is a college student who has not yet left school, and she has conscience and justice in her heart! And she dared to talk to Jing Gao like this because she once accompanied Wang Hanjun to Shencheng, saw Jing Gao under heavy pressure, and knew what kind of person he was.
Jing Gao couldn't laugh or cry, "Xiao Li, where did you think you were? I have something to do with her, uh... I told you, please keep it a secret! I made Gu Xixi angry before I went abroad. I'm going to bring a gift to her. She apologized. I can't ask Han Jun about this, right? Although you know Gu Xixi, I guess you don't know what Gu Xixi really likes. Liu Ziyu must know!"
Zhang Li was relieved and patted her chest gently to breathe a sigh of relief. She had just taken a shower. Her figure under the T-shirt was round, tall and straight, as fair as jade, with graceful curves. It jiggled with her movements. He apologized in a low voice: "Mr. Jing, I'm sorry! I'll send it to you via WeChat. Do you want me to say hello to Liu Ziyu first?"
"No. I'll call him directly! Xiao Li, please keep it a secret for me!" Jing Gao rejected Zhang Li's proposal. With his status, if he called Liu Ziyu directly, she would not be able to refuse.
Zhang Li couldn't help but smile. Under the lamp, the girl's face was flawless and very beautiful. Her slightly thick lips gave her an unspeakable sexy taste, and she also had the youthfulness of a 20-year-old girl, "I know, Mr. Jing!" "
In fact, Mr. Jing's request seemed quite scumbag to her. Sister Xixi is so beautiful. He wants to buy gifts to coax Sister Xixi. It is clear what he wants to do. But isn't Mr. Jing just such a romantic person? She didn't even think that he was sorry for Sister Hanjun.
And keeping a secret with him made her feel a little strange. With her intelligence, she couldn't help but think about it, Mr. Jing wasn't using this phone call to trick me, was he?
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Liu Ziyu is a student at the School of Journalism. During the summer vacation of her junior year, according to the school's arrangements, she is interning at a new media company in Shanghai. At around ten o'clock in the evening, after a long day at the company and almost falling asleep in the school dormitory, she received a call from Jing Gao. She was so excited that she almost fell off the bed when Jing Gao announced his home address.
The layout of their dormitory is with a bed at the top and a desk at the bottom. She couldn't answer the phone in the dormitory in the middle of the night. She was going to pick it up in the bathroom. When I climbed down, my legs felt a little weak. After finally getting to the bathroom, he said anxiously: "Mr. Jing, what's going on?" His voice was trembling.
"Liu Ziyu, don't be afraid. You and Song Yan are over. I won't bother you. That's it. I want to ask about Gu Xixi's hobbies?"
