November is just a few days away.
These days, Eunyeong lies sideways and sleeps at night because her back hurts.
I wondered if Un-yong's stomach was getting bigger and his back was hurting because of his weight.
Also, I wondered if it was because calcium had been drained.
Eun-yong's hands and feet certainly seemed swollen than usual.
I massaged hard.
I felt sorry to think that Eunyeong was suffering from the seed that I gave birth to.
Fortunately, Eunyeong said she will not go to school from December.
It was Monday morning, November 27th.
JS Invest employees gathered in the conference room with paper cup coffee after a long time.
The staff looked relaxed, perhaps because they had arranged all the SillaJen.
I said, looking at Chang.
"Everyone looked nervous last week, but today everyone looks bright."
"That's true, but I think it's because apartment prices have gone up."
"Are the apartment prices going up?"
"I'll tell you that."
Assistant manager Kim Hyung-sook took out his glasses and said,
Kim looked more intelligent with glasses on.
"I was in the morning paper this morning. Gangnam apartments have soared again. That means you're going to have to dance with the apartment prices elsewhere."
"How much has it gone up?”
"There are a number of apartment complexes whose actual transaction prices have risen by 100 million to 400 million won before the 8.2 real estate measures."
This time, Chung said.
"According to the brokerage houses, the 34 pyeong apartment building in Banpo-dong is 3.1 billion won, up 380 million won from the 8.2 measures. Also, around July, 44 pyeong of Sunkyung Apartment in Daechi-dong, which sold for 1.987 billion won, rose more than 300 million won to 2.3 billion won."
"No, 300 million in just a few months? I'm sure those who make money from his work will be despondent?”
"Hyundai Apartment in Apgujeong-dong went up further."
"How much did it go up?”
Early this year, Hyundai's first apartment in Apgujeong-dong, which was traded at 3.1 billion won to 3.3 billion won, soared. It's an old apartment, but it's now priced at 4 billion won."
"Crazy."
"I don't think the 8.2 measures are doing much, because apartments go up like this after a nap, and I'm sure the real estate market in Korea is not normal. Of course, I'm one of the beneficiaries of buying an apartment."
Hong said in a lamentable tone.
"Oh, I should have bought an apartment in Gangnam."
Chang said with a frown.
"No, a virgin who's not married could have bought a 25-pyeong apartment in Sangam-dong Digital Complex. What are you so greedy about? If you look at the Internet number in Sangam-dong, it's probably higher than when Hong bought it."
I thought arm in arm when the staff were arguing.
Then, can you make an additional loan with 50 Gangnam apartments I bought?]
I have 280 billion won in cash to sell SillaJen.
However, if I subtract 200 billion won for A Chemical acquisition fund, I will have 80 billion won left.
This money does not buy 100 billion shares of Group G. Twenty billion was lacking.
[I'll meet the bank manager after the meeting.]
I decided to borrow 30 billion won.
I need 20 billion won, but I decided to borrow 30 billion won because I can't live without any money.
This was because liquidity should not be blocked.
I said.
Is it because Gangnam has fewer complexes to buy due to the ban on the transfer of the status of reconstruction union members?”
Assistant Manager Kim said.
"Yes, so it appears that the price has skyrocketed as the free-for-sale complex is crowded with consumers."
I thought that real estate was different from stocks, so it was a lot of trouble to soar like this.
It was because I lived in Daldongne, Sillim-dong and experienced many houseless snows.
It occurred to me that other employees from the middle class would not feel it, except for Kim, who was from a terrible dirt spoon.
I looked at Assistant Manager Kim again.
Now, Kim's character has been rising since he moved to this comfortable world in Guro-dong.
My skin and clothes seemed to have changed.
His smile also showed his composure.
Since he graduated from a good university, qualified as a tax accountant, and has a 30-pyeong apartment, he was not expected to lose to others in marriage specifications.
After the meeting, I called Assistant Manager Kim.
"If you borrow an additional 30 billion won from what I bought for 50 Gangnam apartments, calculate how much more interest you will pay."
"Okay. But where are you going to invest 30 billion?”
"Maybe. I borrowed 65 billion won to buy the E-Tower building before we paid the monthly rent we received, but see if we can afford to borrow more."
"Okay."
After a while, Assistant Manager Kim came back to my room.
"I can't afford the monthly rent I'm taking now if I borrow it at an extra price. There's about a billion minus a year. I can't get the rent up now because it's two years under contract."
"Well, is that so?"
"We have a rental deposit, so you can borrow it for a short time."
"Okay."
I slowly went to the bank.
It was a bank that borrowed 65 billion won when it bought the E Tower building.
The branch manager was receiving a smartphone when he saw me and got up in a hurry.
"I'm here for a cup of tea."
"Welcome. President Choi."
The bank girl made coffee for me.
The branch manager said with a gentle smile on his eyes.
"How's J.S. Invest going these days? Please make a deposit when private equity funds come in."
"Because it's reinvested right away without a moment's notice..."
"You can leave it to me for the day. I think E tower is doing well. I had lunch at E Tower Underground Shopping Center last week, and the underground shopping mall seems to be doing well."
Banks are also a kind of business.
He had no choice but to be good to me because he lent 65 billion won to buy E Tower and received good interest.
If I had tried to get a credit loan of 6.5 million won instead of 65 billion won from the bank, I would have treated you poorly.
The more banks borrowed, the more they seemed to be treated. Having coffee in the branch manager's office like this.
"I'm here to talk to you because I need an additional 30 billion won."
"Do you have a security?"
"Can't I add 50 apartments in Gangnam that I secured last time I got the loan?"
"Gangnam apartments have risen a lot these days..."
"If the Gangnam apartment I bought averages 2.5 billion won per building, 50 will be 125 billion won. Even if we have 65 billion won in existing loans, I think we have enough collateral. Individuals may be eligible for DTI, but aren't we corporate leasing companies?"
"I do, but..."
"S Bank, an American global bank, said it would do it if you could deal with them. He says he'll give us an additional loan if we move the state bank."
"Private, boss. What's wrong with you? When did I say no? Please bring the documents with you."
"I'll send Mr. Kim to you."
When I came up to the office, I called Chang, the station, and Song.
"I'll transfer 100 billion won to your JS Invest corporate account."
"Et? 100 billion?"
Everyone seemed surprised at the sound of 100 billion won.
They are well aware of my skills, but they seem to be surprised to hear that I will mobilize another 100 billion won.
"When you get 100 billion won, put 50 billion won into G001 Fund, which sold G Electronics shares, and 50 billion won in G002 Fund, which includes G Development stocks."
"The G001 and G002 now contain 100 billion won. That would add up to 200 billion."
"Yes, we have 200 billion G-funds."
"Oh, I see. The last 100 billion-degree investment has increased from 25 percent to 30 percent. It's because they were collected from low prices."
"This time, the new additional funds will be collected by Jung and Song, just like last time."
"Okay."
"And we said 51 billion won in cash on our own account, right?”
"Yes, it is. This time, SillaJen's stakes are 51 billion won. I'm looking for a place to reinvest."
"Wait a second where we can reinvest. First of all, I've earned a lot this time, so I'm going to take some dividend forms. Don't you have to pay back because you've got a lot of bank loans to buy your own apartment?"
Everyone just looked at me, swallowing their saliva.
"Tell me if you have any ideas about whether you can make some dividends."
"Well, that would be good for us."
Everyone seemed to have a favorite expression.
No matter how much apartment prices have gone up, it is true that it is painful if interest is high right now.
I've made my decision.
"Then I'll leave 20 billion out of 51 billion, and I'll give you 31 billion."
"Thank you."
Seeing everyone saying thank you at the same time seemed to be satisfied with my decision.
"But since we're taking the form of dividends from the corporation, we'll pay them back by March next year."
"Thank you."
Still, he expressed satisfaction.
"I'll make the remaining 20 billion capital. Deputy Director Song will take charge of the capital increase. Please set today's date for the board of directors and make it 20 billion won in capital. JS Invest's capital is 20 billion."
"Thank you."
Chang said.
"But isn't it possible for us to operate 51 billion before the dividend?"
"Of course, but every new investment can't be a big hit, so please wait."
"Okay."
"And assistant manager Choi Yu-na is giving up her stake this time. He seems to want to take the existing shareholder acquisition method. What do you think is a good idea?"
"The shares belong to the original boss. If we get 20 billion dollars in capital after the dividend, we'd better take it back."
Chung and Song also spoke in unison.
"I think that would be good."
"Okay, we'll talk about this again later."
This seemed to sort things out.
I was able to keep the existing companies intact and take over A Chemical.
But I didn't know what was going on because I didn't hear from Linda Sim.
Linda Sim seems to have been working in Korea for quite a long time, but she was curious that she had no contact.
But I didn't want to call him first as if I was disappointed.
I called assistant manager Choi Yuna.
"How's Linda Sim doing these days?”
"Linda Sim is staying at the Conrad Hotel, so we sometimes meet. But you looked very tired. It seemed like a lot of work."
I thought it would be hard for a young woman to dare to do a big company M&A.
Assistant manager Choi Yu-na said again.
"I've been talking to Moellis & Co. on the phone a lot lately. It sounded more hoarse."
Linda Sim's voice was originally husky.
It was a terrible Husky who smoked a lot and hurt his throat, but now that he is more hoarse, I wondered what he would say.
Choi hesitated and said again.
"I drank a lot at the lounge bar of the Conrad Hotel yesterday, as if Linda Sim was in pain."
"Well, is that so?“
I wondered what had happened to Linda Sim.
certificate of balance