Marriage

  New week, seeking [recommendations] [recommendations] and [recommendations].

  The matter will be settled this week and won't be dragged on anymore.

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  Kidnapping, it turns out to be marriage. Lin Qiang wanted to ask further, but about this kind of private matter, it's really not good to ask too obviously, so he had to change his way of asking: "Luo Zong, your career has already reached this point, logically speaking, it's time to buy some insurance for your family."

  "Yeah, many people have recommended insurance to me, hoping I'd invest the money in my hands into those products that last for decades." Luo Yang rubbed his eyes with both hands, the previous topic making him look tired. "But for now, I don't have any intention of buying these products for myself. Sorry, are there any other recommendations?"

  Lin Qiang's heart moved, and every time Luo Yangsheng talked about his career, he was full of spirit, but as soon as he mentioned his wife, he would become disheartened. Indeed, Luo Yangsheng's career was booming, but his backyard was on fire?

  "If I'm not mistaken, your wife and you were classmates during your study abroad days, right?"

  "Hehe, yes, when we were studying abroad, the two of us would cook together, living in a small rental apartment of over ten square meters. Our days were simple and poor, but full of hope." Luo Yangsheng shook his head with emotion, "Now, it seems like we've finally made it..."

  Lin Qiang stared at Luo Yangsheng, hoping he would continue speaking, but Luo Yangsheng furrowed his brow and asked instead: "Manager Lin, what product do you want to recommend?"

  Lin Qiang knew that the current situation was no longer coercive, and that would only drive away this customer. He cleared his throat and boldly said, "I'm going to recommend a product to you that will absolutely, absolutely not make any money."

  "A product that will absolutely, absolutely not make money?" Luo Yang was surprised, but at this time he was more curious. This kind of weird sales method he had never seen before, and he actually felt a little tempted. "Then please, try to persuade me to buy this thing that will absolutely not make money!"

  Lin Qiang picked up a black pen and wrote a line of big characters on the whiteboard -

  United Charitable Fund

  "This is a business that only my private banking consultant would bring up, and I'm recommending it directly. Lin Qiang clasped his hands together and began to introduce, "The United Charity Fund, more than 20% of the funds in the fund will be used for charitable purposes, and the remaining funds will guarantee the operation of the fund, which will make appropriate investments. Investing in this fund is a form of donation, but it's not equal to a donation, it belongs to a new type of product that combines charity and commercial funds, with expected returns ranging from -10% to zero, absolutely no possibility of profit."

  Luoyang Sheng was confused but still tried to think of the meaning behind Lin Qiang's words: "You want me to be a philanthropist?"

  "Philanthropist is just a by-the-way title, this fund has more significance."

  "Speak clearly, I've never heard of this thing."

  "Have you heard of Bill Gates Foundation?" Lin Qiang asked.

  "This is of course." Luo Yangsheng's expression changed, as if he understood something. "He donated all his shares to a charity fund under his own name, claiming not to leave any money for his children. In fact, the children inherited this fund and became billionaires. This way, he gained the reputation of a philanthropist while avoiding tens of billions in inheritance tax."

  "You mean... it can't be..." Luo Yangsheng was both surprised and pleased.

  This Lin Qiang actually compared himself with Bill Gates, and for a moment he was indeed somewhat elated.

  "In principle, it's similar, but the process is a bit different." Lin Qiang continued to introduce, "This fund was specially applied for by our bank and fully complies with national policies. Due to its charitable background, there are also significant advantages in terms of tax rates and inheritance. At the same time, it accepts various forms of investment such as cash and equity. Annual dividends can be withdrawn every January, and every December, there will also be a large-scale fundraising gala for the fund. This is our bank's ultra-high-end product, which should have been recommended by a private banking consultant, but I'm bold enough to do so."

  "Hmm..." Luo Yangsheng asked after a moment of contemplation, "Let's get straight to the point, can I understand it this way? This fund allows me to invest directly with equity, avoiding some taxes. Moreover, due to its charitable background, there will be advantages in inheritance for my children. The only downside is - it absolutely won't generate profits."

  Lin nodded: "Yes, absolutely no profit. As for taxes, in fact, it is impossible to completely avoid them. When donating, no tax is paid, but dividends are taxable."

  "Haha, this is really interesting." Luo Yang became even more curious, "Is there any promotional material? I want to take a look."

  "This... sorry, our business hall is too small, I need to find a colleague from the private banking department to borrow it." Lin Qiang said apologetically, "You can leave an address and I will expedite a copy as soon as possible."

  "Okay, can you elaborate a bit more?" Luo Yang had already finished his coffee and put down the cup, asking with great expectation, "For example... what kind of charitable methods are used, who invests, etc."

  "Of course, this fund is mainly invested in education. Since its establishment two years ago, 52 Hope Primary Schools have been set up and thousands of poor students have been funded to attend university."

  "Hmm... what's the scale of the funding?"

  "Hehe, even if I knew, it's not something that can be said." Lin Qiang smiled and said, "After all, a large amount of investment inside is in the form of equity, it's hard to judge, right?"

  "This is also true of equity... equity..." Luo Yangsheng's expression suddenly changed, and he began to ponder on his own.

  "In today's financial era, the proportion of equity holding property is much higher than that of cash."

  "Hmm..." Luo Yang leaned against the sofa, lost in thought once again.

  "With equity investment......" He pondered all possibilities.

  The room fell silent for several minutes.

  "Wait until you send me the specific information, and I want it to be more detailed." Luo Yangsheng finally looked at Lin Qiang, spread his arms, "This project is too big, I need to be cautious, equity is a very vague thing, but at the same time it's also my most important thing."

  "Of course." Lin Qiang also knew that he had opened his mouth a bit too wide this time, and needed to give Luo Yang some time to think. Rushing him was useless; people like him had to rely on their own judgment.

  But now there is one thing that may make Luo Yang lose his mind.

  "Right, I forgot a very important point." Lin Qiang sat down gently beside Luo Yangsheng and said in a low voice, "This... this is not very convenient to say, but considering all possibilities, I still want to tell you in advance."

  "Please go on."

  "Because this 'investment' is actually in the form of a donation, whether it's cash or equity, this money does not belong to you during the operation of the fund and before you withdraw your capital."

  "Oh?" Luo Yangsheng was a clever person and had already grasped the key point, his expression becoming more interesting. "Please explain it more clearly."

  "Alright, to put it bluntly, this donation can be inherited but not divided. It's an honorary donation, but before withdrawal, it's not actual property. Lin Qiang smiled slyly at Luo Yangsheng, "In other words, if something unexpected happens to you, your children can inherit this donation; but if you get divorced, your spouse has no right to divide this money. Because this money belongs to the foundation, and you've already donated it."

  Luo Yang slapped his palm with a fist and excitedly asked, "So if I donate the existing shares, then after the company goes public, the dividend...?"

  "In name, it belongs to the foundation, but you can withdraw funds every January." Lin Qiang smiled quietly, "So in fact, it's still yours. But be aware that this fund is a charity fund after all, and when withdrawing funds finally, it is completely impossible to make a profit."

  "It's interesting, it's interesting!" Luo Yangsheng kept slapping his own palm, hesitated for a moment, looked back at the door of the room, and then asked in a low voice, "To be honest with you, my relationship with my wife... has been a bit troublesome lately."

  "Oh?" Lin Qiang pretended to be surprised, "You're so successful in your career, how can you have troubles."

  "Ah, it's just that my career has been too successful." Luo Yangsheng's expression changed, and a hint of resentment flashed in his eyes. "You know, once the company goes public, my original shares will be worth a lot of money. She's aiming for this opportunity to take away the fruits of my labor over the years."

  "......" Lin Qiang asked in surprise, "As a wife, shouldn't you be doubling your efforts to assist your husband at this time? Why is it like this?"

  "My god! I also want to know!" Luo Yangsheng suddenly slammed his hand on the table, "In business competition, there are many opponents I can face calmly, but when we're about to go public, my family comes up with this, it's really chilling."

  "I understand," Lin Qiang said seriously. "I shouldn't interfere with your and your wife's affairs, but if things are as you say, and it's your wife being greedy, relying on my professional knowledge, I can guarantee that not a single penny of your money will be taken away by her."

  "Hmph, I'm not that heartless." Luo Yangsheng leaned back on the sofa and let out a long sigh. "After all, we've been together for so many years, giving her the house and dividing my assets of 10 million is fine. But now, she's aiming at my original shares, this is the result of my lifelong efforts, I absolutely cannot tolerate it, nor can I allow it to be tainted."

  "Although I shouldn't pry... but I'm still curious about this." Lin Qiang said puzzled, "So many years have passed, why does she want to do this?"

  "Maybe it's the pursuit." Luo Yang smiled wryly and patted Lin Qiang's shoulder, "She wanted to immigrate to the United States, but I insisted on returning home to start a business; she wanted to go out for a weekend getaway every week, but I had to work overtime all night... As time went on, the contradictions between husband and wife grew more and more."

  Luoyang Sheng just casually mentioned his own life, but when Lin Qiang heard it, it was as if he was talking about himself. What similar experiences, what similar people. If he had stayed with her at the time, would the outcome have been the same?

  "But things have changed now." Luo Yangsheng frowned and said, "I'm a man with a conscience, but the behavior of coveting my shares is absolutely intolerable."

  Since Luo Yang had already spoken out, Lin Qiang also stopped holding back: "As a bank employee, I can guarantee the safety of your property and it won't be taken away from you due to divorce disputes."