Chapter 221 Let's go to hell together
Labor expenses of 300,000 a month...
Carter, who renewed his cigarette again, still took stock of his current book situation. Without looking at expenses, the two banks earned about an average of about 100,000 yuan per month on average by collecting past interest income and handling fees from intermediary settlements.
About six thousand U.S. dollars. If you don’t look at the storage capacity, these two banks can be labeled as non-performing assets, and they are currently the companies with the worst revenue under Carter’s name.
However, Carter was mentally prepared for this, so it was not too surprising.
The ht No. 1 store on Highway 23 and the No. 2 store in Pilsen are currently in the profit stage. The No. 1 store has gas station diversion, and the No. 2 store... Needless to say, it is currently the busiest place in Pilsen.
It's the store where Cui Fali holds shares.
No. 1 store is a sole proprietorship. Of course, in order to balance the company system, Carter also transferred 20% of the company's equity to HT Company and cashed out 40,000 US dollars. The current revenue of this store is stable under normal circumstances.
The number of tickets exceeded 4,000. Even though the number of customers from Douglas has decreased after the increase in gas prices, as the time spent standing by the highway is getting longer and longer, the reputation of this store in the south-central section of Georgia on Route 23 is also quietly increasing.
Accumulating.
The average daily gross profit is 2,000 US dollars, which is 60,000 US dollars in one month. After deducting the water and electricity bills and the share given to ht company, the final income is more than 46,000 US dollars. The sales volume of the second store is larger, but due to
Because the money allocated to HT Company cannot be distributed as dividends for the time being, Carter cannot receive any revenue for the time being.
In terms of gas stations, the monthly salary is about 20,000, while the number of car repair shops is pitiful. After subtracting labor, only 500 US dollars can be burned. And according to Cui Fali, this is because they repair large cars...
Calculated from left to right, excluding labor expenses, the current monthly income is about 60,000 U.S. dollars, but Temeo’s labor expenses are 300,000... At least before the ht store was opened, the salary of that huge group of employees
, in order not to occupy ht’s development funds, these expenditures must also be borne by Carter personally.
28 million in cash, HT company, logistics company, or food company affiliated with HT company consumed 10 million, loans and wages totaled more than 7 million, and they will soon subscribe for 2 million shares in Tiger Fund, which can be regarded as supporting Julian's entrepreneurship
.Calculating this way, I currently have less than 9 million in cash at my disposal...
Of course, if you add the cash deposits in the bank, the amount of disposable money is still more than 10 million. But these expenses are not over yet. For example, there is still room for growth in HT special loans, and nearly 3 million must be reserved for credit cards.
The business also needs to prepare a reserve fund of about 800,000 yuan to maintain the normal operation of the 1 million credit line, plus the 300,000 yuan that will be invested in the construction company...
All of a sudden, the small four million people came in again. There are also nearly 1 million salary expenses that need to be set aside in the next three months, and when the new citizens come in, they need to apply for housing loans...
"I'm actually planning to do some business investment, and this is just a small investment..."
Feeling a little embarrassed about funds, Carter left the bank shaking his head. His mood was not good, but it was not bad either. After all, this was a fund calculation that did not include the cash deposits in the bank. If that sum was also included, then
My current financial situation is actually quite good!
Just when Carter went home to enjoy a warm family dinner, a fierce quarrel broke out in Bath Bank in Argyll...
"Why don't you allow early settlement? Your Bank of Bath is too overbearing. I have never heard of such a clause!"
"That's right, settlement is not allowed within five years. This is an overbearing clause!"
In the bank lobby, a group of people whose faces were red and thick-necked because of anger were slapping the bank counter, pointing at the loan contract on the table, and angrily scolding the Bank of Bath for its arrogance.
"What is the overlord clause? We are not allowed to settle in advance because we also have to live! Who doesn't know what you want to do? Take this loan to Pearson next door, and then take another loan from there to pay off the debt.
There is such a good thing? Why should we lend you our money for free for no reason?"
The logic of Goodman's guess is not impossible for others to guess. What phenomenon will be caused by the difference in interest rates? Smart people like Bass have already raised interest rates at Bass Bank, but Forest Bank in Pearson next door has no idea.
When there was movement, he guessed the scene in front of him.
When revising the loan contract, I also gave the tellers a warning in advance: If these people run away, Bass Bank's income will decline, and your wages will...
With their interests at stake, the tellers of Bass Bank are naturally very impatient with these "unruly people" who may cause them to have their salaries cut.
It would be great if I could give you a loan, but you are still here to rely on me...
"What's free? Why did we ask you to give it for free? It's interest-free! How much interest should be paid before the debt is settled? We pay it normally. Is there any problem? Settling it in advance can also prevent defaults!"
"Pavel, why are you telling her this! I can see it, they just want to make money, they only care about Franklin, they don't care about our life and death at all!"
"In the past, our factory loans were blocked, making us unemployed... Now our housing loans are blocked, preventing us from living... Is this our savings bank in Argyle? It has a darker heart than a commercial bank!"
Thinking of the scenes of being made things difficult and deliberately finding trouble during the loan application review, the dissatisfaction among the crowd became louder and louder. The teller who was frightened by the crowd was so panicked that he called the security guard...
And this has undoubtedly become the spark that intensifies or ignites conflicts...
"Gentlemen, please stay calm! Exit first and come one by one..."
Three tall security guards on duty walked into the crowd with rubber sticks hanging from their waists. The security captain began to disperse the crowd in accordance with the procedure, trying to wait for the crowd to calm down before communicating one by one to resolve conflicts.
But at this time, the people who were forced to lose their jobs because of the suspension of loans from Bass Bank were stimulated by the overbearing clauses in the loan contract. Under the old and new hatreds, people at this moment looked at Bass Bank as no less than
Watch the villain agency in the movie...
At this time, the security guards tried to persuade them to leave and let them come in one by one to handle business. The words fell into people's ears, and the Angsa people's persecution paranoia directly broke out...
"Come in one by one...so that you can oppress us unscrupulously?"
"We can't separate! We have to unite. We didn't do anything wrong! Why should we be driven away?"
There are those who remain calm, suppressing their anger and still being reasonable. But there are also those who are agitated and throw the empty cans in their hands directly at the security guards...
"I've been waiting all day long and haven't even had a bite of food. I've had enough of your arrogance for a day! If you don't let us live, then we'll die together... Hahaha, let's die together!
You bitches deserve to go to hell!"
As a can was thrown at the security guard, a somewhat crazy voice sounded. Following the direction of the sound, the eyes of the three security guards suddenly tightened...
Chapter completed!