567: Chapter 567 Just bragging! Su Yang has become an "authority"!

Chapter 567: Just Bragging! Su Yang Also Becomes an "Authority"!

Yu Siying was surprised: "That much?"

"You could also say three hundred million, or even a billion!"

Su Yang added with a smile.

"Oh~" Yu Siying realized and smiled, "Five hundred million over three years, five hundred million over ten years, or five hundred million over twenty years?"

"Something like that!" Su Yang smiled nonchalantly, "It's just bragging, you should know what to do!"

"Understood! Understood!"

Yu Siying nodded repeatedly.

No matter how many hundreds of millions they claimed to invest in TV ads, it was just a gimmick to pique the interest of the TV stations.

Whether it was 300 million, 500 million, or a billion, it was impossible to pay it all at once anyway.

Would the TV stations be interested?

Definitely; no one would turn down money!

Su Yang thought for a moment and gave Yu Siying a baseline: "Initial funds... at least fifty million!"

"Fifty million!" Yu Siying nodded, "That's already a lot!"

She remembered that during Matong Station's prime time slots, a 15-second ad cost around 100,000.

Fifty million could buy five hundred 15-second ads; that was already a massive amount of capital.

Ordinary companies simply couldn't afford such expensive ads!

After the meeting, Su Yang returned to his office and noticed the QQ icon on his computer screen flashing.

Keeping QQ logged in had become a habit of his.

There was a time when he had an extraordinary desire to level up his QQ account!

He moved his mouse over the icon and saw that the message was from Lan Lihong.

Lan Lihong: "Su Yang, are you there?"

Su Yang: "What's up?"

Back when he was a student, Lan Lihong was one of the female classmates he had more contact with... relatively speaking!

Lan Lihong: "A friend of my husband's asked him to be a guarantor. Do you think it's okay to do that?"

Su Yang raised an eyebrow, not expecting another matter regarding a guarantee.

However, he was indeed quite familiar with this area.

Ever since Jiuxiang Catering became famous, more and more people had approached him to borrow money, seek investment, or ask for bridge loans.

Some people even brought others to act as guarantors to prove their reliability!

He also encountered guarantee issues when taking out bank loans.

Of course, many people also came to him for advice...

Because Su Yang's career had taken off, his business partners, relatives, and old friends would occasionally consult him when they encountered business, financial, or legal problems!

Unknowingly, he had already become an "authority"!

Everyone believed that since he was doing so well and running such a large business, his insight must be superior to that of ordinary people!

Generally, Su Yang would help answer these questions if they were within his capability.

If he encountered legal issues, he would also help introduce a lawyer!

If it was outside his expertise, he would consult other friends and subordinates.

Su Yang: "What does your husband's friend do? Why does he need a guarantor?"

He casually opened the files in his email and began his routine Monday work!

Lan Lihong: "My husband's friend runs a machining factory. I heard he's very rich; he drives a luxury car worth two million, and the factory is also very big!"

Su Yang asked casually: "What's your husband's situation? Is he wealthy?"

Lan Lihong: "We can only say we have some connections. We opened a Advertising Company in our county. When the demolition happened, we got three houses..."

Su Yang: "You're rich!"

Lan Lihong: "Not as rich as you. Our current income is barely enough to live on!"

Su Yang: "I don't even have as many houses as your family!"

Lan Lihong: "Don't mention the houses, it's a headache just thinking about it. Give me some advice, can he be a guarantor?"

Su Yang: "I don't recommend it. If you want to lose everything, go ahead. You don't even know how much debt your husband's friend has; selling all your houses might not even be enough to pay it back!"

Su Yang: "I don't want to see your houses listed on a judicial auction site one day!"

Lan Lihong: "Is that possible?"

Su Yang: "Let me tell you, a third of the houses in judicial auctions are because the owners went off to start a business, and another third are because the owners acted as guarantors for someone else!"

Thinking of Hao Yue, he added: "I'm all too familiar with this issue!"

Lan Lihong: "Alright then!"

Su Yang: "Generally speaking, business people like this will first try to get a bank loan. When the bank stops lending to them, they seek private lending. When private lending fails, they go to loan sharks. If they can't get money from loan sharks, they might turn to small online loans, even borrowing seven or eight thousand. Only at the very end do they turn to friends and family..."

Su Yang: "Have your husband ask around about that friend of his, to see if that's the case!"

Lan Lihong: "I understand, thank you!"

Su Yang: "You're welcome!"

In Qiong City, Lan Lihong put down the phone and went to the office to find her husband, Xu Ningwei!

Her family's Advertising Company only had four people in total.

Her husband was responsible for sales, she and another female employee handled the ad design, and she also doubled as the accountant.

There was also an older man responsible for installing the billboards outside.

The income from the Advertising Company was quite meager, and there were many accounts receivable that couldn't be collected.

However, because they owned their home, they didn't have to pay a mortgage.

Her mother-in-law was retired and had a pension.

She left the child with her mother-in-law, so life was fairly manageable!

Opening the office door, Lan Lihong smelled the choking scent of cigarette smoke.

"Why are you smoking again?" Lan Lihong quickly opened the window, "Didn't you already quit?"

"I'm a bit troubled!"

Xu Ningwei quickly stubbed out the cigarette.

"The guarantee matter?"

"Yeah!"

"I heard the risk of being a guarantor is very high, so let's forget it!"

"But that's my friend; we've known each other since we were kids..." Xu Ningwei sighed, "When he's facing difficulties, it's hard for me to just stand by and watch!"

Lan Lihong: "Su Yang said you shouldn't be a guarantor, otherwise you might lose everything!"

Xu Ningwei asked in confusion: "Su Yang? The owner of Nine Fragrance Hotpot?"

He knew about Nine Fragrance Hotpot; there was one in the county!

His wife had even taken the whole family there a few times; the taste was indeed superb!

"Yes!" Lan Lihong came up behind Xu Ningwei, directly hugged his head, and said softly, "He started from scratch and is now worth billions; he definitely has more insight than us!"

"But..."

"How about I call him and let him talk to you?"

Xu Ningwei wanted to refuse, but his wife had already dialed Su Yang's number.

Su Yang saw Lan Lihong's call and, after a thought, answered it.

"Su Yang, sorry to bother you. It's still about the guarantee. Can you talk to my husband?"

"No problem!"

"Can I put you on speaker? Help me talk some sense into him?"

"We can chat!"

Su Yang chatted with Xu Ningwei for a bit and found that he wasn't a complete novice.

He could roughly recognize the risks involved.

He simply found it hard to refuse his buddy and couldn't bear to lose face!

Otherwise, he wouldn't have been conflicted for so long!

"How about this!" Su Yang said with a laugh over the phone, "Just tell your buddy that your wife is making a scene, and if you dare to be a guarantor, she'll divorce you. And because of her, your parents don't agree either..."

"Uh..."

Xu Ningwei looked at his wife.

Reminded by Su Yang, Lan Lihong immediately said: "Right, right, right! Just say I don't agree, that I'm making a scene... push it all onto me!"

Anyway, Lan Lihong didn't like that buddy of Xu Ningwei's; he was always dragging her husband out to drink!

She heard he also played around quite a bit!

Xu Ningwei thought for a moment and finally nodded: "Alright then!"

He also felt that doing it this way might work.

Moreover, although he didn't say it, he still admired Su Yang in his heart...

Su Yang left another message for Lan Lihong on her QQ, saying that if her husband really felt bad about it, he could lend some money, but he must not act as a guarantor!

After hanging up the call with Su Yang and seeing the message he sent, Lan Lihong said to Xu Ningwei: "I'm taking the child back to my parents' house now. You go and refuse that buddy of yours!"

Xu Ningwei said helplessly: "Is that necessary?"

"Xu Ningwei, let me tell you, if you dare to agree, I really will dare to divorce you!"

"Uh..."

"I'll tell my parents-in-law about this too!"

"You're... being a bit extreme!"

"If you really feel bad about it, don't we still have three hundred thousand in savings? You can lend him some!" Lan Lihong warned, "But you also have to think carefully; if you lend it all out, will this company still be able to operate... the company still has a lot of uncollected accounts!"

"Alright!"

Xu Ningwei was helpless.

"Good boy!" Lan Lihong gave him a kiss, "I'm taking the kid home now!"

Soon, Xu Ningwei received a call from his mother... asking how he had made his wife so angry that she had taken the child back to her parents' house!