King of the Bay Area

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Financial management and operation, this really needs talent.

And Lu Ke does not have such a talent.

Under the influence of his parents' ears, Lu Ke also had no business acumen and no luxury consumption concept. In the past two years, all wages and bonuses have been honestly lying in bank accounts. Occasionally small daily expenses, there is no big spending at all. From the offseason to the playoffs, all are completely immersed in During training and competitions, even spare time is lacking, not to mention squandering.

In the eyes of most people, it is really boring to live like this-isn't it just to spend money to make money?

In fact, Lu Ke does not spend money, but just has no obsession with luxury goods:

On Lu Zhengzheng ’s birthday, Lu Ke gave his father a set of premium golf equipment and registered his father ’s membership in a private golf club; on Jiang Youning ’s birthday, Lu Ke gave his mother a set of gardening tools and a Hermès platinum bag. A "Happy Birthday Song" was recorded on that day for the mother to commemorate.

On the wedding anniversary of Lu Zhengzheng and Jiang Youning, Lu Ke personally booked a three-day and two-night winery tour, allowing them to go to the Napa Valley premium winery to enjoy a few days of relaxation.

As a rookie, Lu Ke ’s bonus and salary are not high. After signing Rolex and Mercedes-Benz endorsements, he gradually became richer-but after that, Lu Ke always sprinted The Super Bowl didn't have time to splurge properly, so all the income was still lying in the bank and accumulating dust.

If you do not confirm your bank account, Lu Ke has no real sense of her assets. So, now Lech suddenly mentioned the matter of financial manager. His first reaction was, "I don't need it."

But he was stunned for a while, and this kept up with the rhythm of thinking. "You mean, next, my income may need to be managed by a professional financial manager, right?"

"Yes." Lech said simply, "Bambi, on the court, you are always full of confidence and fighting spirit, and you have won the Super Bowl championship with one blow; outside the court, you should do the same. Next, no matter Whether to stay in San Francisco or transfer to other teams, will inevitably sign a big contract; in addition, in the next period, endorsement contracts will also be signed one after another, and your income will soon reach the top level in the league Now. "

In the understatement, Lech didn't say much, but with the confidence that burst out from the inside out, too much information was revealed in just a few words.

Lu Ke chuckled, "That's good. I am confident on the court, you are confident outside the court, and then help each other to help complete the 'rugby Beckham' building plan." That cheerful voice Let Lech also couldn't help but laugh, and then Lu Ke returned to the topic, "What about Anderson?"

Lech hesitated for a moment.

The relationship between the agent and the player is very delicate.

First, the player is the agent ’s employer, and the agent is the player ’s external spokesperson; second, the agent does not have the right to make a final decision, and everything must be nominated by the player. If the player is not satisfied, they can also fire the agent at any time. Finally, the agent has a wide network in the industry. If the player offends them, they walk in the industry about the negative news about the player and create obstacles for the player to raise their salary or transfer. This is also a breeze.

Because of this, how to define the relationship between friendship and partners in the process of dealing with agents and players is a profound knowledge.

So far, Lech has maintained the distance of public affairs and has never asked Lu Ke ’s personal matters, mainly to hope that the two sides can maintain a professional attitude; from the cooperation to the present, the relationship between the two sides is also very happy. It can be said that it is a hit and miss. Fighting wholeheartedly on the field, and Lech's plan can be carried out smoothly.

The affairs of the financial manager involve the personal assets of the players. If the financial manager performs well, then it ’s okay; but not afraid of 10,000. If the financial manager performs poorly, the player ’s savings are all lost, and the relationship between the player and the agent will inevitably become embarrassing— — What's more, there are risks inherent in investment. The financial manager can only estimate and control, but cannot guarantee to make money.

Lech said to Anderson before that Lu Ke is a smart man, he has his own judgment, and he is very outstanding; now he has not forgotten this.

After hesitating thoughts for a moment, Lech made a decision.

"I did not collaborate with Anderson, and I do not have an intuitive understanding of his vision and ability. All the news is nothing but rumors from the league. But you also know that rumors are always deceptive, otherwise The internal information on Wall Street is not so valuable, is it? "

Lech did not give a positive opinion.

Because he knows that unless Lu Ke directly asks, "Do you think I should hire Anderson?" Otherwise, what Lu Ke needs is not opinion but information, and then makes his own judgment and choice based on the information.

"All I know is the exact situation. After graduating from Anderson University, I joined the industry as a top financial advisory firm, became a department manager from a small clerk, and was qualified to become a senior partner; but last year During the offseason, he left the company and established his own portal. It was not because his wings were hard that he could stand alone, so he abandoned the company, but had other secrets. "

"Regarding this matter, the NFL and the NBA have been very popular, and everyone has a version that they know. I know this version from the mouth of Daben. Maybe it can be used as a reference."

"At the beginning of 2007 or mid-year, the former Anderson company received an investment project, which was a real estate project about the resort. I don't know if you have been to Miami. After leaving Miami, the development in other parts of Florida is relatively less. Perfect, many immigrants from Cuba are living nearby, so the land there is very cheap. At that time, there was a business opportunity to build a resort, the investment amount is about 10 million US dollars. "

For top resorts, the cost of 10 million US dollars is nothing, but if it is the undeveloped original area of ​​Florida, 3 million to 5 million US dollars can build a junior resort, and continue to increase investment It can make the resort more luxurious.

But Lu Ke knew the end.

The real estate bubble came in 2008, and the financial crisis caused a crash in the entire market, and even affected the world.

The movie "Big Short" details the origin of this real estate bubble, in which four different groups predicted the financial crisis in advance, and used this crisis to make a fortune; and at that time, how were the four different groups Judge that the bubble is about to disappear? The source is Miami and the entire state of Florida.

The detailed process is very complicated to explain. In short, it is the abnormal situation that a large number of people with bad credit in Florida real estate can complete the purchase of the house. After they buy the house, they cannot pay the mortgage, and then form a vicious circle.

Anderson chose to invest in resorts around 2007, which was a terrible decision.

For financial managers, this can be said to be a wrong decision at the professional level.

Objectively speaking, Anderson was only thirty years old at that time; and the real estate bubble swept the entire United States, and even the Wall Street elite did not notice that all were inevitably reduced to cannon fodder, not to mention the young and young Anderson. But one yard to one yard, when suddenly heard Anderson made a wrong decision in investment, any listener will inevitably have some scruples.

While Lu Ke thought that Lech would defend Anderson, Leh's following was slightly unexpected.

"Anderson thought it was a project worth investing in. He brought together a group of customers he trusted the most at the time-and also the most trusted friends. I hope everyone can invest together. The Pittsburgh Steelers' security guard Troy Polamaru ( Troy-Polamalu) is one of them. He also learned about the project in an unexpected situation and invested US $ 300,000. "

"As a result, the project failed. The real estate bubble that subsequently rolled over made their investment costless. Polamaru invested a total of five million dollars, but all fell on the Caribbean coastline. At that time, the wave Lamaru just signed a new contract, and his average annual salary is only 7.5 million. "

Without whitewashing the peace, the simple and simple words revealed a tragic and sighing.

Now, it is just a series of numbers, which seems to have no meaning at all, but placed under the time background and social situation at that time, the kind of pessimism and despair is enough to destroy all the defense lines of a person.

"Polamaru and Anderson are completely overthrown.

If the story ends here, then Lu Ke will obviously not want to sign with Anderson.

For Lu Ke, Anderson is a stranger. The only information he can learn is that Anderson buried a $ 10 million project. He doesn't have so many avatars to let Anderson slowly take risks and squander.

"After that, Anderson remained in the previous company, relying on the name of the company to work hard. Until August 2012, he officially resigned. Before resigning, Anderson sent a five million US dollar The check was given to Porlamaru, and at the same time, Big Ben also received a check of US $ 300,000. Soon after, Anderson announced the independence of the portal. "

The ending is a bit quick, but the amount of information is extremely huge.

In just four years, Anderson made all the losses that year? This has proved his ability, so why should he leave the previous company? Is there anything that is unknown behind this, and the whole story is very fragmented?