Volume 3: My days in a college fraternity Chapter 154 You are complete, Tommy
Jim Manz sat at the dining table in Tommy's villa, took out a cigarette and put it in his mouth, and said to Tommy who was sitting across the table and looking through the documents, "That's about it about Professor Yunus and his Poor Man Bank. In fact, there is a project about share farms that I haven't had time to investigate, but that thing has little to do with banking business, plus your phone call a few days ago, so I flew back."
"I calculated it according to the exchange rate you provided. That is to say, Professor Yunus' bank provides a loan of 50 cents to each poor Bangladeshi every week, and the other party needs to pay back 52 cents to the bank next week?" Tommy looked at the data Jim brought back and said:
"With 50 cents a week, what kind of business can those poor people start? I mean, any part-time job in the United States now pays $3 an hour. I can't imagine what kind of business they can start with 50 cents. With a total customer base of 28,000 people, that means the bank only needs to lend them a dollar each, and the principal is less than 30,000 yuan."
"Most of them are in the furniture business. They use bamboo to make all kinds of beautiful bamboo furniture and sell them to buyers. After the buyers buy them, they sell them to places like Europe, Hong Kong or Japan. 50 cents is the money they use to buy the raw materials. The bamboo there is not free. The furniture made from 50 cents of bamboo can be sold for about 70 cents. After deducting the 52 cents of low-interest loan, there will be 18 cents left. If both husband and wife start working, they can earn 36 cents a week. After deducting the most basic living costs, they can save 10 cents. In other words, if they want to continue the furniture business, they need to continue borrowing, and the cycle repeats. Professor Yunus is actually preparing an interest-free loan, but it also costs money to maintain bank expenses." Jim looked at the dazzling array of food on the table and asked:
"Can I eat all this food? You're eating such a sumptuous dinner by yourself?"
"Of course, there's pasta, lobster, fish, whiskey, wine on the table... you can enjoy them as you like." Tommy said without even looking up, "That was originally prepared for the reception."
Jim picked up a piece of spaghetti covered with sauce with his fork and put it into his mouth: "Thank you, I didn't expect you to prepare a special meal for me."
"I didn't know you were going back home today. It was actually for the two guys you met, Dennis and Pam. They suddenly came to California to visit me today, and then I asked the chef to prepare a dinner in advance. As a result, Stephen and Jason took them to Los Angeles."
"This table looks very rich. Look at these lovely oysters. They are so delicious." Jim swallowed the food in his mouth, picked up a piece of oyster meat and put it into his mouth. He said with satisfaction, "So the oysters in Los Angeles are more delicious?"
"Stephen booked a nightclub and 120 beautiful girls in Los Angeles to welcome Dennis and Pam." Tommy said calmly.
Jim immediately stopped eating and looked at Tommy: "...We are both welcoming guests, why do you only treat me with such junk food that others are too lazy to even look at? Why don't you respect me?"
"But you just praised the oysters for being delicious ."
"That was a compliment I didn't mean, you know? I had the compliment on my face, but I was actually bleeding inside." Jim poured himself a glass of wine and said, "So, what did you mean when you said on the phone that your girlfriend wanted to learn about banking?"
Jim closed the information and looked at Jim: "She wants to do something meaningful. What could be more meaningful than what we do."
"Does your girlfriend also think that making nigger money can make her life meaningful?" Jim asked Tommy while putting food into his mouth.
Tommy picked up a few strands of spaghetti and put them into his mouth. When he heard what Jim said, he didn't bother to swallow them and kept shaking his head: "No, no, no, my girlfriend is an angel, understand? She is responsible for helping people, bringing them hope, and letting them follow her light. When those people set foot on that road and cannot turn back, she will go to redeem other lambs, and you will take over and continue to guide those on the road."
"In the spread of religion, missionaries show kindness at the beginning. After the brainwashing is completed and those people have faith, they change their faces and tell them that God loves the world, but also needs the world to love him. Now your God is short of money and needs you to donate everything you can." After Jim understood what Tommy said, he couldn't help but tease him:
"I thought you would continue to play the role of the American idol, the righteous man sent from heaven. Now it seems that you are planning to make another female righteous man appear in the world? When your child is born, are you going to create some strange phenomena ? Or do you want to help your girlfriend perform an operation before giving birth and put a Bible and a cross in the hands of the baby in her belly?"
Tommy sighed and continued to put food into his mouth. "You lack the fear of God, Jim, and this is not right."
"The fact that you've lived to this day has turned me into an atheist. If God really exists, you should have been thrown into the nigger hell by him a long time ago, enjoying the endless violence of niggers." Seeing that this guy actually said that he lacked reverence for God, Jim immediately fought back, but then asked:
"So, your girlfriend would sacrifice herself to mingle with the black people?"
"No, no, no, my girlfriend goes to help the poor people in need, including black people of course, but she doesn't want to get along with them." Tommy retorted immediately.
Ottilia cannot get along with black people. If she really gets along with them with her personality, those lazy and shameless poor black people will definitely take Ottilia's charity for granted, and Ottilia herself may even take it for granted.
"What she should have done most before was to use her kind heart to help me go to Bangladesh to influence Professor Yunus. My girlfriend has funds and is willing to do the right thing to help Bangladesh. Professor Yunus will not refuse kindness. That's what we want to do. We should find opportunities to inject funds into the bank and make that small bank ours. Then let Yunus work for us and make those great ideas in his brain ours. Then we can slowly develop this business into an international business. There are so many poor countries in Africa and Asia and countless poor people. For the poor, we will use Yunus' brain to design many ways to help them. And help, at certain times, can also be a business. We suck the blood of black people in California to feed branches in other countries. When the time is right..." Tommy looked at Jim.
Jim pulled off his napkin and wiped his lips, then took a sip of wine and took a deep drag on his cigarette. He then interrupted Tommy and said, "This isn't a fucking business, Tommy. It is indeed a business, but... not a business in the traditional sense, unless you work for a politician, but that's impossible. The investigation that the firm completed for Lotus Company shows that you come from the countryside and don't have any political background worthy of attention."
"I originally wanted to work for myself, but now I decided to work for my brother." Tommy looked at Jim frankly.
Jim was too lazy to listen to Tommy's perfunctory nonsense. He turned his head and cursed, then said, "If a mechanic is considered a politician, then you can say so."
"I plan to send him and Dennis to the United States Naval Academy, join the SSD branch of the United States Naval Academy, and serve in the Navy after graduation. Therefore, the business of those countries will be the trading items prepared for his every promotion. There is nothing that cannot be sold." Tommy saw that Jim thought he was joking and added.
Jim turned back and looked at Tommy. After making sure that the expression on this bastard's face was not a joke, he asked tentatively:
"You have to understand that if a war breaks out between the United States and the Soviet Union in the near future, it would be like you sending your brother and friends to their deaths. Are you sure that you will not be disturbed by this possible situation?"
"Why don't we bet that there won't be a war between the US and the Soviet Union?" Tommy said to Jim:
"If poor people want to change their fate, how can they do so without taking risks? You get what you pay for. If it weren't for the Soviet military exercises in the past two years that frightened several major military academies and caused them to be unable to recruit enough students, how could those politicians give poor boys a chance to get in?"
Seeing Jim was silent, Tommy said while eating:
"They will be rewarded for their efforts. My brother may become a cruiser captain or a commander of other troops one day, and the same goes for Dennis. Otherwise, what if my brother spends his whole life repairing cars in the countryside and Dennis spends his whole life being a garbage station manager?"
Seeing Tommy's nonchalant expression, Jim couldn't help but ask, "You can use everyone without hesitation as long as you need them? Tommy, do you have any real friends? Do you have any real relatives? I mean, whether it's family or friends, is there anyone in this world that you can tell everything to and trust completely?"
"No, not one." Tommy didn't even hesitate for a moment. He looked at Jim and gave the answer directly with calm eyes.
"That's a perfect answer." Jim lowered his head and continued to put food into his mouth. He said vaguely: "You're perfect, Tommy Hawke."
The two of them finished their respective plates of food in silence, and Tommy wiped the corners of his mouth and spoke, breaking the silence:
"In addition to needing you to teach my girlfriend how to do good deeds, there is one more thing. The Stanford University SSD chapter is going to host a charity dinner for the Veterans Association. I need a few powerful people to appear at the charity dinner. Other guests are not important, but I want to attract SSD chapter members from military academies such as West Point Military Academy and the United States Naval Academy to attend."
"Why?" Jim looked at Tommy with a puzzled look on his face. "What can those idiots do? You won't have any common topics with them. In fact, even people my age can hardly catch your train of thought, let alone common topics."
"Those people are the most suitable loan salesmen, and they may also be potential shareholders of our small business. Jim, of course I will hold a charity dinner that they are interested in to make them happy, and then use the illusion that I have close ties with powerful people to discuss cooperation with them." Tommy patted the thick stack of information on several SSD military alumni on the seat next to him:
"Whether these guys are in the army or in school, we can guarantee that we will not charge interest in the early stage and only take back the principal. They can make money by themselves or use interest-free loans to gain a good reputation. It's up to them. We just need to develop customers. It doesn't matter, because soon, we will change from needing them to them needing us. As long as money is still attractive to them, they will be inseparable from us."
Jim was no longer surprised and nodded calmly, "It's a habit. The stupidest thing SSD did was to recruit you. You used the SSD's name to turn those guys who are not as mature as your peers but who you think are worth training into your small circle of brothers. You are young and rich, and you are willing to lend a helping hand to the brothers in SSD. They all like you."
"Get to the point, Jim, use your National Review pimping skills to help me hook some powerful people," Tommy asked Jim.
Jim extinguished his cigarette and looked at Tommy speechlessly: "You need bait to fish in this kind of situation. You have to show me the bait you are going to use to attract big fish. Only then can I judge whether I can help you pimp."
Tommy picked up a folder from the pile of information and threw it to Jim. "During this period, I learned about the problems from various military newspapers and magazines, and then I tried to figure out how I could help them as a rich man. This folder contains my ideas."
"I think I have a say in choosing bait," Jim said to Tommy after opening the folder and quickly browsing through it.
"There are always some foolish congressmen who think they have an idea to curry favor with active duty military personnel or veterans and want to publish it in National Review, but they always forget that the VA, the Veterans Health Administration, etc., which they pick on for mistakes, are also part of the military, so currying favor often backfires. Fortunately, you didn't make that mistake."
Jim used to be the assistant editor-in-chief of National Review, and had handled many manuscripts from congressmen, which he called bait texts. The things Tommy gave him were not qualified manuscripts, and the ideas were not fanciful or slick. They were just some plans to provide social assistance to soldiers, veterans and their families, which were very suitable for some congressmen who wanted to seek peace with the military to propose and earn some impression points.
But in Jim's opinion, compared with Tommy Hawke's plan to cheat people, his plan to help people sincerely was much dimmer and less attractive to him.
Jim closed the folder and gave a fair price after reading it: "Did you ask someone to write it? This thing is far from the design level you made for your own profit. It lacks sincerity."
"I am about to send my own brother to the army to defend my country. Isn't my sincerity enough? If you feel that I lack sincerity, you can find a way. I have tried my best." Tommy said after taking a sip of wine.
Jim stretched his upper body lazily. "If you want me to help you throw away your garbage, that depends on your sincerity. One dinner is far from enough."
"So?" Tommy asked.
"You owe me a welcome party with at least 120 pretty girls." Jim patted the folder and said to Tommy.
Tommy nodded, "Deal, you handle it, I'll prepare two hundred girls in Las Vegas to accompany you, and I'll have my new driver and bodyguard, Mr. Page, help you count by the side, and don't think about leaving until you finish sleeping."
