The birth of the Hong Kong Island family

On the night of July 17, not long after Tang Caiyun lay down, her stomach ached and she couldn't help but say "ouch".

Lin Zhichao immediately paid attention: "How is it?"

Tang Caiyun covered her stomach and said, "My stomach is starting to hurt. I don't know if the baby is about to be born."

Lin Zhichao got up immediately, put on his clothes, and said, "What are you waiting for? I'll take you to the hospital!"

He has booked a delivery room at the Sanatorium and Hospital, a private hospital in Happy Valley, which is near Lam Tin Garden, so it is more convenient.

In Hong Kong in this era, medical services were mainly provided by charitable organizations, and the government invested less in social welfare, so a large number of private hospitals emerged. The Hong Kong Sanatorium and Hospital in Happy Valley, Wan Chai, is a leader in private hospitals in Hong Kong and enjoys a high reputation in paediatrics, cardiovascular departments, especially obstetrics and gynecology.

Tang Caiyun said worriedly: "It's windy and rainy outside, do you want to go tomorrow morning?"

Hong Kong is located in the subtropical tropics, and this kind of weather is common in summer. Tang Caiyun disliked the dark weather, wind and rain.

Lin Zhichao immediately couldn't laugh or cry, and said: "As you can imagine, no one is afraid of wind and rain when giving birth! The car is outside, I'll ask Xin'er to inform your parents. Let's move in as soon as possible, don't delay , I promise not to let you get caught in the rain."

Seeing Lin Zhichao's orderly arrangements, Tang Caiyun immediately felt at ease.

Soon, both families were ready. Lin Zhichao directly picked up Tang Caiyun and started going downstairs. If he were an ordinary man, he would naturally not dare to take this job, but Lin Zhichao didn't feel much weight at all when he held his wife and children. This is the reason why his physical quality is excellent.

Then, she put Tang Caiyun in the back seat of the car.

"I'll drive, Xin'er, take care of your sister-in-law, Caiying and I will sit in the front."

The remaining people took Tang Zhongyuan's car and the two cars headed towards the Sanatorium and Hospital, which was more than one kilometer away.

No matter how big the battle is, it's because this kid has a big background.

On the way, Tang Caiyun said: "If I go to the hospital and I can't give birth temporarily, my husband won't blame me for lying about the military situation, right?"

In the middle of the night, the two tired families went out one after another.

Lin Zhichao was concentrating on driving and said, "Just treat it as a drill. I blame you for what you did!"

Tang Caiyun was immediately delighted!

Tang Caiying on the side couldn't help but look at Lin Zhichao, and immediately discovered a bright spot.

After arriving at the hospital, Tang Caiyun was carried by Lin Zhichao onto the mobile bed prepared in advance and headed towards the hospital. Before coming to the hospital, we had already talked on the phone, so everything was carried out in an orderly manner.

After a while, the doctor came out and said: "Mr. Lin, my wife should give birth tonight and tomorrow morning. We will arrange to rest in the VIP delivery room first. If there is any situation, we will enter the delivery room."

Lin Zhichao nodded and said: "Okay"

It's a good thing to do it within one day, so as not to have to wait too long in the hospital to give birth.

In the early morning of July 18, Tang Caiyun was in severe pain and was sent to the delivery room.

Less than 20 minutes later, with a crisp cry, Lin Zhichao let out a gentle breath, and his anxiety and anxiety eased. He looked at his watch, the time was 03:28, and wrote down the number.

The delivery room was pushed away.

"Mr. Lin, congratulations! Mother and child are safe. You are blessed with a precious son!" the doctor said happily.

He had heard of the famous name and deeds of the young man in front of him, so the newly born baby boy was naturally extremely important.

Lin Zhichao was really overjoyed and said, "Thank you, Dr. Li, thank you!"

Lin Zhichao, who had always been steady, couldn't help but have a smile on his face that couldn't go away. Wu Wenying on the other side had turned to one side to pray, with tears in her eyes.

The Tang family members were naturally smiling and feeling nervous.

The next day, morning.

Lin Zhichao held Tang Caiyun's hand, his eyes were full of tenderness, there was a baby carriage beside him, and Lin Ruihuan was sleeping soundly.

"Husband, I didn't expect the birth to be so smooth. I was so nervous at first."

"Thank you for your hard work! It means that this kid is a blessing to our family."

Tang Caiyun nodded happily. It was the first time she heard Lin Zhichao say 'family', so she naturally understood the extraordinary significance of it.

After a while, family members arrived one after another.

Some get breakfast, some get red envelopes, and they settle down quickly.

Lin Zhichao distributed red envelopes to the relevant departments of the hospital, so the Obstetrics and Gynecology Department of Sanatorium and Hospital knew that a big boss was holding his son today.

In the morning, those who should go to work go to work, and those who should go to school go to school. Three women, Wu Wenying, Song Qiaoling and Axia, are left in the hospital to take care of them.

Cheung Kong Holdings.

"Manager Guo, wrap a 20 yuan red envelope for all the staff for me, put two 10 yuan in each red envelope, and say that the boss is blessed with a son today."

Guo Xinxin, the manager of the financial department, immediately beamed with joy and said, "Congratulations, boss, on the birth of a son, perfect. I'll arrange it right away!"

Lin Zhichao nodded with a smile, feeling quite happy with the sky.

Cheung Kong has about 500 employees and only spent 10,000 silver paper, but he is very happy.

But for the workers, this red envelope is equivalent to ten days' wages.

How low are wages in Hong Kong?

At present, there are a lot of workers in Hong Kong whose wages are 25 to 50 Hong Kong dollars, but the wages of Cheung Kong Industries are 50 to 100 Hong Kong dollars. It can definitely be regarded as a factory with preferential treatment; compared with British-owned companies such as electric lights, shipyards, trams, and gas companies, The average salary of workers is 84 yuan, which is about the same.

Moreover, Cheung Kong takes thirteen salaries a year, and there are benefits for festivals.

The real sweatshops in Hong Kong are textiles and garments, which are also the two industries with the largest number of workers. In the previous life of 1966, the starting point for skilled workers was HK$9 per day (that is, less than 300 per month), while ordinary workers only received HK$4 or 5, and there were many workers earning HK$100 per month. Industries such as toys, plastics, umbrellas, and batteries are also experiencing this trend.

Therefore, it is inevitable that some things will happen. Afterwards, the wages of workers in Hong Kong were rapidly improved, and the Hong Kong government began to pay attention to people's livelihood. Moreover, these things are also opportunities for Lin Zhichao.

Later, Lin Zhichao called Changjiang Real Estate, Changjiang Garment Factory, and Changjiang Bank, and all employees were given 20 Hong Kong dollars.

Suddenly more than 10,000 yuan was spent!

"The boss is happy to have a son. Everyone has a big red envelope of 20 yuan. Don't stop what you are doing!" The management came to the workshop one after another to distribute the red envelopes, but did not forget to give instructions to work.

The reason is simple. The factory order tasks are heavy and the machines cannot be stopped.

"Thank you boss, my God, the 20 yuan red envelope, boss is so generous!"

"A big red envelope of 20 yuan, it's time for the boss to get rich and have a son!"

"The boss has a successor. I will try to have another son next year and have a few more."

The entire workshop was filled with joy, and then a sense of wealth rose in the sky across the entire factory.

In the office, Lin Zhichao has calmed down and is working seriously. He was checking the accounts of Cheung Kong Holdings and found that there was a full cash flow of 1.32 million Hong Kong dollars in the accounts of Cheung Kong Holdings, and the remaining debt was only 1.725 million Hong Kong dollars (including interest) from Bank of East Asia.

Cheung Kong Industries has paid off the money for the machines of Bourne Machinery (1.15 million), paid off the money to build the factory in Sing Tao (500,000), paid off the money to build the factory in Tsuen Wan (200,000), and purchased a piece of land for 12 Ten thousand square feet (500,000).

This is equivalent to Cheung Kong Holdings having a net debt of only HK$400,000 and a lot of assets: a 240,000-square-foot factory in Tsuen Wan, a factory in Sing Tao, and a large number of machines and materials.

After thinking about it, Lin Zhichao called Guo Quanxin.

"Boss, everyone outside is congratulating you one after another. Everyone is so happy!" Guo Xinxin said with a smile.

Lin Zhichao nodded and said: "I won't go. I have received all the blessings. By the way, I want to convert Yangtze River Corporation's funds into US dollars as much as possible, so you can make arrangements. Calculate how much money can be exchanged, Without affecting the operation of the factory; the funds must be withdrawn from the Bank of East Asia, then exchanged for U.S. dollars at a foreign bank, and then deposited into the U.S. dollar account of the Bank of East Asia."

Instead of exchanging U.S. dollars for foreign currency from the Bank of East Asia, take care of Jian Dongpu. After all, if Lin Zhichao first exchanged U.S. dollars and then converted them into Hong Kong dollars, Jian Dongpu would have to lose part of it.

Guo Xinqin immediately understood that the boss made such an arrangement because he was worried about the depreciation of the pound.

"Okay, I'll make arrangements right away!"

"Um"

In fact, Cheung Kong also has a US dollar account, after all, its products are sold to the United States.

After Guo Xinxin left, Lin Zhichao did some calculations. Assuming that 1.2 million Hong Kong dollars were converted into US dollars (including subsequent exchanges), it would be about 300,000 US dollars; once the pound devalued by 30%, it would become about 5.5 Hong Kong dollars per US dollar. ; That is, 1.2 million Hong Kong dollars has become 1.65 million Hong Kong dollars.

Of course, this does not include handling fees, but in any case, I easily earned more than 300,000 Hong Kong dollars.

As long as you spend money in Hong Kong and the UK, you can count as making money. But even if you spend money in other countries, it is equivalent to avoiding a 30% devaluation, which is still a profit.

The next day, evening.

Lin Zhichao came to the Sanatorium and Hospital to pick up Tang Caiyun, Lin Ruihuan, mother and son from the hospital, and the family returned to Lam Tin Yayuan in a lively manner.

Lam Tin Nga Court has become a symbol of Hong Kong's high-end private housing estates. Not only is Happy Valley a wealthy area, but more importantly, Lam Tin Nga Court's property management and public facilities are quite good, so the housing prices in the estate have risen to The price is about HK$45 per square foot, which is similar to the price of luxury homes in Mid-Levels.

After all, in this era, people generally have no sense of security, especially some warlords and their descendants from the mainland who came to Hong Kong to seek refuge, wealthy businessmen who brought a large amount of property, and wealthy people who took advantage of others. In short, everyone likes the privacy of Lam Tin Yayuan very much.

The eight security guards of Lam Tin Yayuan are on duty 24 hours a day and wear majestic uniforms, which is definitely a deterrent; at least, if there is any abnormality, the police can be called in time.

In the evening, in order not to affect Lin Zhichao's work the next day, Wu Wenying put Lin Ruihuan in his bedroom; if the child was hungry, he would come over and ask Tang Caiyun to feed him.

"Husband, I have become a lot fatter!" Tang Caiyun snuggled into Lin Zhichao's arms and said coquettishly.

She understood that Lin Zhichao was very sexy, so she was worried about being fat. However, on the other hand, she was fed by her mother-in-law and mother with high nutrition.

Lin Zhichao followed Tang Caiyun's hair and said: "According to modern medicine, the body recovers thirty days after delivery; so during this period, you can maintain your health. After that, you can restore your previous state through some exercise and a reasonable diet. It looks like, I just need to give you some guidance."

After all, he had experienced it once. How could Lin Zhichao not understand the truth?

But in Tang Caiyun's view, her husband is very thoughtful, and he must have learned about it from a doctor or read a book. This means that this man is very careful and loves her very much.

"Hehe, if you can't return to your previous appearance, I will look for you!" Tang Caiyun said reassuringly.

"No problem, I'm afraid you won't have determination and perseverance by then!"

"Don't worry if you look down on me. In order to capture your husband's heart, I will endure any hardship."

Good guy, what is this alluding to?

To be honest, Lin Zhichao is definitely a model of a wealthy man in this era. Even if he goes to entertainment venues to accompany clients (many, such as in the zipper industry), he will only arrange for the clients and keep his integrity.

Even when it comes to marrying his concubine, Lin Zhichao is very cautious. He has to consider that the family will not be chaotic and harmonious. Therefore, Tang Caiying is a good choice, but of course it requires effort.

In the Richang Bank on Bonham East Street, its owner Yu Dongchang looked at the Changjiang Bank not far away coming in and out, and suddenly felt a little distressed.

"The business is so big, but they still have to compete with us for food. You really can make any money, you damn Shunde guy!" Yu Dongchang cursed.

He is angry!

The Yangtze River Bank is located diagonally opposite the Richang Bank, and the Yangtze River Bank relies on the resounding signboard of "Yangtze River" (group effect) and its good reputation (Lee Shau Kee is good at doing business); therefore, the store business is getting better and better. , became a latecomer gold store on Bonham East Street.

As everyone knows, this move has stimulated many people, but the scene when Lin Zhichao opened is still in the minds of these people.

It was a gathering of famous businessmen at that time, and Lin Zhichao was the star of the Shunde Chamber of Commerce and the Association. In addition, it was rumored that Lin Zhichao had been friends with Ho Tung and Jian Dongpu for many years, so everyone could only keep it secret and did not dare to make any small moves.

A friend walked in and greeted cheerfully: "Brother Dongchang, what are you looking at?"

Yu Dongchang looked back and said with a smile: "Brother Yaoxing, just take a look, are you here?"

Pan Yaoxing took a look inside the Richang Bank and found that the business was average. He immediately looked suspicious, but then said: "I heard that gold speculation can make money now, so I want you to give me some advice on how to do a legitimate business. I’m getting older and I don’t want to do anything risky anymore.”

Yu Dongchang looked at Pan Yaoxing, he knew that this friend had a close relationship with the 'Wharf Gang' Dong Fuhe, and he also made his fortune by smuggling. Now I actually want to go ashore, and I am suddenly curious.

"You also know that speculating in gold makes money, so you should also understand that smuggling gold is also very profitable now. It doesn't make sense that you want to change careers at this time?"

Pan Yaoxing immediately blushed, but then he smiled bitterly and said: "Smuggling gold is indeed profitable, but now there is a group of G troops defeated at sea. They are using the sign of 'Da Tian Er' to rob gold smuggling ships. No one can do anything." recognize."

Yu Dongchang gasped. Although Dongfuhe was a gang, in the end it was just a group of dock workers, and smuggling was okay. Compared with those "regular troops", it can be said that they are vulnerable; recently, many regular troops have arrived in Hong Kong. They abandoned their firearms and wandered on the streets of Hong Kong, becoming members of the refugees and becoming a factor of instability on the streets. And some of them didn't even lose their guns, they were so dangerous that even the police dared to kill them.

Suddenly, Yu Dongchang had an idea and thought of a way to kill people with a borrowed knife.

"Let's talk upstairs!"

"Okay, as expected, we are right to find Brother Dongchang!"

Pan Yaoxing cheered up. Now that he is ashore, he urgently needs a way to get rich; and this Yu Dongchang is the owner of an old bank, so he must have many connections.

Upstairs, Yu Dongchang made tea for Pan Yaoxing unhurriedly, and Pan Yaoxing was immediately restless.

Seeing Pan Yaoxing like this, Yu Dongchang immediately became more confident.

After taking a sip of tea, Pan Yaoxing couldn't wait to say: "Brother Dongchang, I don't know what you want to tell me to do. If you can do it, I will definitely thank you!"

Yu Dongchang waved his hand and said, "What do I want you to thank? How many years have I been friends! It's just that this matter is a bit risky. I wonder if you dare to do it?"

Is there any risk in doing business?

Pan Yaoxing was stunned.

He still gritted his teeth and said, "Speak! I'll listen!"

Yu Dongchang said with a smile: "There is a Changjiang Bank opposite us. They have the same business as our Richang Bank, but their business is much better than ours. If you want to go ashore, you can try to win this bank. , to run it by myself, only store business, at least a monthly profit of more than 10,000."

Pan Yaoxing suddenly became excited and said immediately: "Brother Dongchang, I have no grievances with you, why are you still hurting me? I know that the boss of this Yangtze River Bank is Lin Zhichao. Although he is young, he has a profound background and has a lot of experience. Jian Tung Pu and Ho Tung are his backers, and he has good relations with the Chaozhou Gang and Hang Seng Bank. He also has the backing of the Shunde Chamber of Commerce. Even if he has nearly a thousand workers in Tsuen Wan, I am definitely not someone I can offend."

Yu Dongchang was taken aback, he didn't expect Pan Yaoxing to understand so clearly, even better than himself.

However, he quickly formulated a new strategy and said: "You only know one, but not the other. Although Yangtze Bank is Lin Zhichao's property, Lin Zhichao is not involved in it, but is left to a shopkeeper. This shows that, Others may not care about this industry.”

Pan Yaoxing still shook his head and said, "I can't afford to provoke you~ I can't afford to provoke you!"

Yu Dongchang continued: "Listen to me! As far as I know, Lin Zhichao intends to quit gold speculation, so he probably also intends to sell Yangtze River Bank. Of course, if you come directly, you will be kicked out. But if you ask Some people make some noise at night. For example, no matter how talented Lin Zhichao is, he will not be able to find you. At most, he will think that his peers are jealous of him. In this way, if he had intended to fade out, he might put it out. At that time, if you take the money down again, just doing gold trading in the store and foreign exchange exchange, it will be enough for you to earn enough!"

He was fooling around. Anyone with any sense would know that this plan was full of loopholes.

But Pan Yaoxing, who has been smuggling at sea all year round, has no brains.

After listening, I was already thinking.

Seeing this, Yu Dongchang added more fire, and said: "You just need to find someone to scare the storekeepers of the Changjiang Bank at night, and when things are almost the same, let these people go to Omen to avoid the limelight. I can't find out about you. As for the success or failure in the future, what difference does it make? In short, once Lin Zhichao intends to release the listing, I will be the first to notify you, and you will buy it with money when the time comes, and it will be fair and aboveboard."

At this point, Pan Yaoxing was already moved and asked: "Is the store business of Yangtze Bank really profitable?"

There may be risks in gold speculation, but if the store business is very profitable, it is really worth the risk.

"It's very profitable. It makes our colleagues jealous! According to their customer flow, the monthly profit is at least 15,000. You also know that there are a lot of Weishui people coming to Hong Kong from the mainland, and they need a bank account to exchange money." , gold trading.”

Pan Yao

Yu Dongchang was stunned immediately, but quickly reacted.

His idea is that if Pan Yaoxing takes over, the business will definitely fall, and he will have fewer competitors; so why would he borrow money? If it is less, he can consider it.

"Although you are making money, after all this trouble, right, it must depreciate a lot, you have no problem. Remember, when transferring, you must keep the staff in the store, so that you will save everything. Counting the money."

At this time, Pan Yaoxing was already excited and nodded quickly.

"In the future, I hope Brother Dongchang will give me some guidance."

"comminicate"

After Pan Yaoxing left, Yu Dongchang sneered.

"Whether Pan Yaoxing succeeds or not, Changjiang Yinhao will be in constant trouble! If it succeeds, Pan Yaoxing will not be able to keep that shopkeeper, Li Shau Kee. At that time, with only a few cats and dogs, the business will not plummet."

"Having an idiot as your opponent is better than the current situation!"

"This matter has nothing to do with me from beginning to end; whether it succeeds or fails, I have no loss."

"I am indeed smart!"