Life is like a chessboard - to be successful, you need to calculate your moves in advance. In the vastness of the Web, the parable about a rich man who acted cunningly with bank employees, saving a large amount of money, became popular. This story shows how rich people use their minds to succeed in life.
Ferrari as collateral
The owner of "Ferrari" took a loan at a bank at high interest rates, leaving his car as collateral. Why he so easily allowed bank employees to fool themselves, you ask. In fact, the situation is more complicated than it seems at first glance, but let's tell everything in order.
A rich man came to a bank in New York and turned to a loan officer with an unusual request. He said that he was going to leave for Paris for an international festival for two weeks and he needed to borrow 5 thousand dollars. A bank employee told him that the bank needed guarantees that he would repay the loan. In response to this request, the rich man handed over the keys to his new Ferrari. The car was parked on the street in front of the bank.
The loan officer checked the documents for the car and said that the client would have to pay 12% in excess of the amount that he had taken on credit. The deal came about and both sides shook hands.
Joy of bank employees
Later, the bank employees laughed together at the stupid rich man who left an expensive car for $ 250,000 as collateral for a $ 5,000 loan. The bank employee then drove the Ferrari to the bank's private underground garage and parked it.
Poor people get sophisticated pleasure, ridiculing the actions of the rich and calling them fools. But can a stupid and narrow-minded person get rich? Of course not. And soon, bank employees learned a valuable lesson from the whole story.
The recognition of the rich
Two weeks later, the rich man returned and repaid a loan of $ 5,000, paying $ 23 7 cents as interest. Bank employees thanked him for applying for a loan to them, but said that his action puzzled them.
A loan officer told the car owner: “While you were away, we learned that you are a graduate of a prestigious university and a very wealthy person. We can’t understand why you borrowed 5,000? ”In response to this question, the rich man laughed and said:“ Where else in New York can I park my car for two weeks for only 23 dollars 7 cents and be sure that she will remain intact to my return? ”
No matter how rich a person may be, he will never miss the opportunity to save. As the famous saying goes: "A penny saves the ruble."