The birth of the Hong Kong Island family

On the second floor of Changjiang Bank, Lin Zhichao, Li Zhaoji and four other employees who participated in gold speculation sat together. The four employees involved in gold speculation are gold traders (and telephone operators) A Shan and A Jin, finance and telephone operator A Hao, and telegraph operator A Ming who joined not long ago.

In fact, Lin Zhichao encouraged these employees to make greater contributions to the team from the very beginning, such as collecting information and observing peers. In order to unite everyone, Lin Zhichao gave the whole team 8% of the profit, and Lee Shau Kee won 6%.

"In the fourth quarter of this year, we made a profit of 750,000 from gold speculation. Although it is not yet early January, I decided to release your bonuses in advance today."

As soon as Lin Zhichao's voice fell, the five of them showed joy and looked at the envelope in Lin Zhichao's hand.

Afterwards, they each got their share, and the mood was even better.

As for Lin Zhichao's mood, he is also very good. Li Zhaoji's skills in speculation are really good, which made him a lot of money.

This year, Changjiang Bank’s gold speculation (short-term) earned a total net profit of 1.35 million Hong Kong dollars (after dividends), which can be described as a complete victory.

At this time, Changjiang Bank's funds for gold speculation had reached 3.15 million Hong Kong dollars.

These do not include the gold pledged in the Bank of East Asia (4,160 taels) and the store's assets (200,000 Hong Kong dollars).

"Thank you, boss" everyone said happily.

Even four employees will receive NT$3,750, which is considered senior management income in Hong Kong.

The reason why Lin Zhichao is so generous is because he needs to use his share of the money to bind the "loyalty" of these people. For example, if two gold traders have "selfish intentions", the losses may be huge, because they are the only two people who often do so. Stationed in the gold and silver trading field. At the same time, they also gained more for their hard work and compiled various information for Lee Shau Kee's reference.

"Okay, Yangtze Bank needs to take a short break. You guys have been studying more, summarizing more, and asking more questions lately. Anyway, I made money, and you have a share."

Everyone immediately expressed their opinions, with faces full of high spirits, looking forward to the next gold speculation.

Last week, gold was close to HK$500 per tael. Lee Shau Kee braked in time and quickly cashed out. As expected, gold began to slowly fall back.

In Lin Zhichao's view, gold will definitely fall back. Otherwise, what will happen to the room for gold's growth before JF goes high and before JF Guangdong Province?

Could it be that the price is 700 Hong Kong dollars per tael?

Lin Zhichao had some vague guesses, but he didn't plan to speculate for too long. He might stop or reduce the amount of money invested before he gets high on JF.

After the crowd dispersed, Lee Shau Kee suddenly said: "I have a brother named Li Zhaolin, he works in a bank in Omen, and he heard that I was doing a lot of work in the gold and silver trading field after he heard that I was helping the boss. He suggested that we contact He Xian directly and purchase gold from Omen, which would not only cost less but also not cause alarm in the market."

He Xian, Luo Bao, and Zhong Ziguang jointly opened a "He'an" gold company, and obtained the patent right to operate gold through Luo Bao. The company is mainly run by He Xian. He sent people to Africa and other places to buy gold, and then used Luo Bao's relationship to hire agents from the Western Exploration Department to escort the gold from the dock to the company and sell it to merchants in Hong Kong and Southeast Asia. Since this is the only one with no semicolon, the price difference between the entry and exit of gold is quite large.

In other words, almost all Hang Seng Bank and Chaozhou gold merchants in Hong Kong order gold from this "He'an" gold company. He'an then purchases gold from South Africa and other places based on order demand.

In his previous life, Lee Shau Kee used this relationship, coupled with two familiar bank accounts in Omen, Hong Kong, to obtain some gold purchase convenience and make some money. Of course, I can't earn as much as working for Lin Zhichao.

Lin Zhichao said with a smile: "I don't know anyone in Aomen, so it's easy to get cheap gold. Moreover, their imported gold is not punctual, which means it's not easy to turn around."

If it was on time, Chaozhou gold merchants would not have installed wireless short-wave radio stations.

Lee Shau Kee said: "It's a very troublesome problem, and a large amount of gold is transported, which is very risky. Boss, you understand the trend of gold, so there is no need to take risks."

His elder brother Li Zhaolin actually wanted to join Lin Zhichao's line and import gold from Aomen for Lin Zhichao to earn some hard work; because Li Zhaolin saw that Lin Zhichao was a 'good boss', reputable, and generous, so he gave it to his brother. High dividends.

In fact, if a cooperation can be reached, the advantages to Lin Zhichao will outweigh the disadvantages.

It's just that Lin Zhichao has a lot of information, so he doesn't care about these issues such as 'increasing the price when buying'. Moreover, Lin Zhichao is not greedy, and does not earn the last copper coin, so there is no need to take a little risk.

"You're right! The most important thing is that my speculation in gold is only a temporary measure, and I will withdraw soon."

Li Zhaoji immediately admired Lin Zhichao's control, and he was not greedy at all.

If it were someone else, after earning so much money, I am afraid that they would have concentrated on speculating in gold long ago.

The two chatted for a while, and after Lin Zhichao confirmed that the funds had been deposited in HSBC, he left Changjiang Bank.

Before leaving, he informed Li Shauji that he was going to attend his wedding. This time Li Shauji was also the best man at Lin Zhichao's wedding. Lin Zhichao was deliberately cultivating him.

In a restaurant, two brothers, Li Zhaoji and Li Zhaolin, gathered together.

"Shau Kei, is your boss excited?" Li Zhaolin asked enthusiastically.

He is very confident. After all, the Yangtze River Bank is so generous in the gold and silver trading field. If it can import gold from Omen, it can save a lot of costs. And if he can get the appreciation of Lin Zhichao and be responsible for smuggling gold from Austria to Hong Kong, then he can also make a lot of profits.

Li Shauji shook his head and said: "Brother, our boss is different from other bosses. He is very confident in gold speculation. He is good at analyzing the market from factors such as the mainland situation and Australia's gold imports. Although you said it can reduce costs, He didn't want to take any chances."

Li Zhaolin said anxiously: "Why don't you introduce me to my brother? I will transport the gold for him, so it will be safe."

Lee Shau Kee smiled bitterly and said: "What about transporting it to Hong Kong? He doesn't trust the gold in his hands, so he has no such plan at all."

He guessed right. Even if he kept the gold on the Yangtze River Bank or at home, Lin Zhichao would not feel at ease. While speculating in gold at the gold and silver trading field, what you get is not really gold, but a contract, so the risk is smaller.

Li Zhaolin could only say disappointedly: "Okay!"

At this time, Li Shaoji said: "Brother, my current capital is over 100,000. We can cooperate. You transport gold from Omen for me, and I will give you a commission."

Li Zhaolin was stunned and said, "You have hundreds of thousands of funds?"

Immediately, people are more popular than others. Fortunately, he is a brother. He came out to engage in this industry earlier, and now he only has a net worth of 20,000 Hong Kong dollars. Unexpectedly, this younger brother, who has only been out for less than a year, already has a net worth of more than 100,000 yuan.

"That's right. Today I paid more than 40,000 commissions. This year, my commissions are already 80,000 Hong Kong dollars. In addition to the usual gold speculation, I already have a small fortune."

Li Zhaolin was still happy for his younger brother and said: "You are lucky to have met a boss who appreciates you. And you are very good at speculating in gold. It's your turn to be prosperous!"

Lee Shau Kee said modestly: "It can be considered developed there!"

The two brothers soon decided to join hands to smuggle gold from Omen and cash it out at the Gold and Silver Exchange in Hong Kong. Since Changjiang Yinhao allows Li Shau-kee to trade his own gold, it is quite convenient.

After parting, Lee Shau Kee's eyes revealed determination.

From the first day when Lee Shau Kee took a deep breath of fresh air when he stopped in Central, Hong Kong, he hoped that he would succeed.

The definition of success is that he has a personality that lives up to his innate endowment, and he lives up to the cultivation of his acquired environment. He can give full play to his wisdom, ability, and mind, and he can seize every opportunity and fate he can.

If this hard work has led to his prosperity, it is just a result of related causes and results.

Although he is grateful for Lin Zhichao's trust and support, Lee Shau Kee also believes that his ability is an important reason for his prosperity. If he disappoints his boss, he will not continue to cooperate.

"Now, I have a net worth of more than 100,000 yuan, and I will strive to achieve a net worth of 200,000 yuan next year." Lee Shau Kee thought confidently.

Monday, January 3, 1949.

The fifth day of the twelfth lunar month is a good time to get married.

The wedding of Lin Zhichao and Tang Caiyun was held at the Peninsula Hotel. Many relatives and friends were invited to witness it, and some people of high moral standing in Hong Kong also came to attend.

The wedding was presided over by Jian Dongpu, and He Dong was also accompanied by his family members. Hundreds of rich and wealthy Hong Kong businessmen attended the ceremony one after another, and the ostentation was relatively large.

Some people marvel that Lin Zhichao has made so many friends in less than three years since he came to Hong Kong, and his career has far surpassed that of his peers. He is even better than some senior businessmen.

"We Guangdong people missed a good son-in-law! Why didn't you take the initiative to introduce your daughter back then, what a waste of opportunity!"

"A hero is sad for a beauty pass! Mrs. Lin is so beautiful, fortunately we didn't introduce it, otherwise it would be embarrassing to be rejected, haha!"

The people below were talking a lot, but Jian Dongpu on the podium said: "In this special year, a talented man from Guangdong married a talented girl from Shanghai, which is exactly in line with the current situation in Hong Kong. Whether you are from Guangdong Province or Shanghai City people, we are all Hong Kong people now.”

The audience burst into applause!

To be honest, Lin Zhichao developed quickly. In almost a short period of time, he gained the appreciation and cooperation of Jian Dongpu and Ho Tung with his achievements in real estate.

Therefore, if someone says that he needs to rely on his father-in-law, it is obviously a joke.

During this period, some people did want to introduce their daughters or nieces, but they were all declined by Lin Zhichao because he already knew Tang Caiyun at that time, and naturally he was not in the mood to accept any more 'blind dates'.

Soon, it was time for the toast, and he came to Ho Tung first.

Ho Tung is 87 years old, and he can still bring his family to his wedding, which is obviously enough to give Lin Zhichao face. At the age of 93, Ho Tung traveled to the UK in a wheelchair to receive the KBE.

I wonder if Lin Zhichao can also get a fifth-class knighthood at that time. This thing is quite effective and has great practical value - it is convenient to do business in the UK; even in Hong Kong, you can be superior to others. Of course, you can selectively 'hide' this title in the future.

The KBE is the second level of the Order of the British Empire, with a total of five levels; Li Chaoren in his previous life received the KBE after the millennium.

Many celebrities in Hong Kong like to be called "Sir So-and-so" and "Doctor so-and-so". "Doctor" is not a degree, but a reward for contributions to such-and-such university.

"A beauty paired with a hero, not bad!"

"Thank you Sir Ho for attending our wedding"

"Haha, why don't I come to your wedding? I'm optimistic about you!"

Everyone around them could see that Lin Chi-chao and Ho Tung had a close relationship. If they think about the fact that the Governor of Hong Kong attended the groundbreaking ceremony, they would understand that Sir Ho Tung was the one who contributed.

After completing the circle, the guests and hosts were happy.

When the guests heard that Mr. and Mrs. Lin Chi-chao had donated all the gift money to Tung Wah Group of Hospitals and Po Leung Kuk, they applauded one after another. Naturally, the dean and chairman of these two charitable organizations came on stage to thank them.

At this time, a large number of refugees are coming to Hong Kong. Housing is not the most urgent thing, but food is the most urgent thing. Therefore, charities in many places distribute food to prevent people from starving to death in Hong Kong. This is really a sad thing. .

Lin Zhichao and his wife received tens of thousands in gift money. This donation is already quite large. In this era, if you donate 100,000 Hong Kong dollars, you can have the university name you "such-and-such building". These gifts already belong to Lin Zhichao and his wife, and will be repaid to the guests present in the future.

So this is true charity.

Of course, Lin Zhichao chose to donate money directly because he didn't need to bother himself and could make some friends.

Next year will be the time when Hong Kong has the largest number of refugees. Lin Zhichao will also have a lot of money on hand, and he will donate another 100,000 to 80,000 yuan. He always remembered the promise he made when he picked up the gold, so he still had to do charity every year.

You can't be without integrity, otherwise God won't help you!

Night, Lantian Yayuan.

Lin Zhichao hugged Tang Caiyun, who was wearing a wedding dress, and lay tenderly on the bed.

"The wedding room is a little small, the wedding is a little simple, but a sincere heart is more real than gold." Lin Zhichao said disgusting words.

He said the same thing without any sense of violation. If young people in future generations speak out, they will inevitably be dissed for a while and even give their daughter-in-law a lifelong reason.

Lying in Lin Zhichao's arms, Tang Caiyun was deeply moved as expected, and said sweetly: "Husband! The wedding room is very big and the wedding ceremony is very grand. I also received your sincerity. It is very true."

Hearing this, Lin Zhichao turned over and placed his body on Tang Caiyun, revealing his true nature and said: "Well, it's time for us to enter the bridal chamber!"

Tang Caiyun smelled the thick breath of the man close at hand, and after being intoxicated, she said, "You haven't taken off your wedding dress yet?"

"Don't take it off!"

After saying that, Lin Zhichao began to take action.

What kind of wedding dress do you want to wear? "Avatar". Of course, this is a wedding dress that needs to be preserved properly, so Lin Zhichao did not dismantle it violently.

The next morning.

Lin Zhichao and Tang Caiyun slept until eight o'clock, then got up and served tea to Wu Wenying.

Since her mother is not overbearing and Tang Caiyun is also gentle and courteous, the mother-in-law and daughter-in-law must get along very well and be able to stabilize Lin Zhichao's rear.

As a result, Wu Wenying took a sip of the tea served by her daughter-in-law and immediately helped Tang Caiyun up.

"Good daughter-in-law! Our family doesn't have too many rules. As long as you and my son are loving and harmonious, I will be satisfied as a mother."

"Mom, thank you!"

With the addition of a maid, Ah Xia, Wu Wenying naturally got rid of housework; of course, in the past, Lin Xiner would help Wu Wenying with housework, and even Lin Zhichao would simply clean up.

The house is still too small, and Lin Zhichao still plans to move to a separate house within two years.