"Perhaps, I am not very easy to answer this question. You have to know that I am 39 years old, I have a family, I have children..."

"If you want to ask me about my ideal, I will tell you that my biggest ideal now is to have a happy family and a healthy family. If I can provide a better development environment for my children, then

That’s even better.”

"I think children are actually more ideal than adults...Twenty years ago, when I was 19, it happened to be 1961, the year the Apollo moon landing program began. At that time, including me, many American children

, or the dream of teenagers is to become an astronaut. But you have to know, NASA’s astronaut selection program...how much does it cost just for the initial training of astronauts?”

"Isn't this funded by NASA?"

Regarding NASA, although the Kennedy Space Center is in Florida not far south of Douglas, Carter really doesn't know much about it and has never been there. The furthest he has been is Orlando.

He only remembered that once in China, astronauts seemed to belong to the astronaut brigade of the military. They seemed to be selected from fighter pilots and trained through intensive training. Anyway, they did not have to pay for it themselves...

"If you are selected, it will naturally be funded by NASA. But what about before you are selected? Do you know how fierce the competition is? For one astronaut candidate, the number of applicants can often reach more than 10,000! Until several space flights occur later.

After the accident, the number of applicants was somewhat alleviated. But by that time, I was also older."

Goodman shook his head and looked at Carter with kind eyes. Looking at Carter, who was nearly 18 years old, he seemed to see his former self...

"Professional knowledge and strong physique are two basic qualities necessary for astronauts. Professional knowledge requires studying at university, but I had no money. At that time, my family did not have money to support me in college, or even to pay for a comprehensive physical examination.

Our family can’t get it. Even the initial inspection report can’t be issued, so this childhood dream of mine can really only be a dream.”

"I am 39 years old this year, and twenty years have passed. I have passed the age of talking about dreams and ideals, but I don't have any children, right? My eldest son is 13 years old, and my younger son is only 9 years old. They are in a period of

The stage of exploring and understanding the world. They are full of curiosity and imagination about the world. If possible, my biggest ideal now is to be a capable father to support them in chasing their dreams, so that they do not have to experience it while growing up.

My original regret.”

"But you are different. You are several years older than my children. Your route... I can't say it has been finalized, but here at Black Bank, at least for now, this is your responsibility and obligation.

You can't abandon it! Your understanding of the world is better than my children. You have your own thinking, just like you just told me about the life you want: rich, and then some idle things, you can do some hobbies,

Just to pass the time, right?”

"Yes, this is what I have always thought. What I am confused about now is that I don't know what's going on with me. What I say is that I will be rich and happy, right? But every time a new possibility appears, even if it is

You have to rush in even if you take risks. This is actually not in line with the idea that small wealth means peace. If it is for the purpose of getting rich, then this route is wrong! I shouldn't do this..."

Thinking about the past two years, Carter wanted to defend himself. Most of the risks he did were controllable! He knew the general trend of the future, so he should not lose money...

But reason told Carter that this was all fart!

Knowing the general trend does not mean that you can understand the details. If you really want to follow the general trend, then you should not add so much leverage to operate...

Because even if you invest conservatively and compound interest continues, it will be a huge asset in twenty or thirty years! There is no need to do this at all. Instead, increase leverage like this. If there is a problem in the details. For example, which amount

If there is a short-term investment failure, it is easy to break your capital chain and then systematically collapse. If it is serious, it is not impossible to be defeated beyond recovery.

"You just mentioned the problem of our current debt scale. I'm not really afraid. Because I think I can handle it. But I suddenly thought of the people I've met along the way and what I've done, I suddenly realized

As for...the little rich guy I talked about is probably not what I really think in my heart. I can't be sure of it..."

"People you've met? Are you talking about the children of Japanese chaebols?"

Goodman turned his head and looked at Carter carefully:

"Actually, I don't think you need to be so worried. You can't turn back time for what you've already done. I think the question you should think about now is, what's the future? Give up Black Bank, or develop Black Bank?

Bank?"

“Develop it, of course!”

"Well, since you want to develop, let's set a goal? Let's make a plan for the development of Black Bank. Now there are four savings banks in the Black Bank system, with total assets

Nearly 100 million U.S. dollars. In this case, the first step goal is already clear: bank merger!"

"Now independent operation can no longer save us more operating costs, unless you acquire another bank, or multiple banks. I have thought about this direction in advance and have communicated with Mr. Patterson. According to the information provided by the FDIC, we

There are currently no suitable merger and acquisition targets in the surrounding area. According to the current fluctuation forecast of the risk asset ratio of surrounding banks, at the beginning of next year, the risk asset ratio of a number of banks near Douglas will be on the verge of exceeding the limit, but within this year, there will be no chance for the time being."

When Goodman said this, his expression suddenly looked strange:

"Speaking of which, your contribution is also here... SR-166 Highway, Douglas Residential Community, the Toyota Factory in Argyle, and the Logistics Industrial Park. These three major projects have absorbed a lot of labor.

After two more salary increases, the workers' income has not only returned to normal levels, but has also improved significantly.

.The consumption power here and in surrounding areas is slowly recovering. Even if they don’t dare to borrow money for consumption, for nearby merchants... this life is much better! In order to cope with the rising market demand, the nearby market

Merchants who have gained confidence have significantly more loans this year than last year..."

"As long as the existing circulation system here does not collapse, banks in surrounding areas... are actually the ones who have had a relatively easy time during this crisis... So it is just a matter of whether there will be a merger and acquisition window near us early next year.

An estimate based on now, there will still be half a year to go, and the situation may change by then. Therefore, bank mergers and large-scale operations are what I think we need to deal with most at the moment."

"You can follow my train of thought and think about it, what should we do after the bank merger? In a little more than a week, you will leave here and go to New Haven. Even if it is to satisfy the present

For your remote command needs, as the boss, you should also set a clearer and clearer goal for us subordinates! Let us know what we should do after you leave? In which direction we should work hard! "
Chapter completed!