This is the Chinese aunt. Facing the property market, she is optimistic, upward, and invincible.
Editor’s note: This article comes from True name Lu Jun (ID: zhenjiaolujun0426), by Reprinted with permission.
Ask the Chinese mother how powerful the purchasing power is, I’m afraid the whole world knows it.
Since the world-famous “Golden Robbery” in the past few years, the words “Chinese aunt” have become China’s beasts and are famous overseas. These aunts conquer the world by no means rely on strong financial resources alone, but rely on the ability of many people. With regard to hoarding New Year’s goods, the purchasing power of Chinese aunts has supported how many local supermarkets.
The stimulation of e-commerce now makes offline supermarket business in many cities increasingly difficult.
However, this phenomenon is almost non-existent in fourth-tier cities.
A friend in my tobacco and alcohol business told me that during the Spring Festival each year, one month of business before and after the Spring Festival alone can maintain more than half a year.
The supermarket is even more so. Usually there is a special egg or discounted milk, and aunts can flock to buy it.
By the end of the year, it ’s even more exaggerated. Every day, there are various sweeping activities.
Each aunt ’s shopping cart is full of new year’s goods. It is no exaggeration to say that before night, many shelves have been emptied.
01
Do you think aunts only stock up during the Spring Festival? No way! !! !! !!
In my house, the refrigerator that best reflects my mom’s ability to store goods. I made a typo. It was a freezer, not a refrigerator. My mother’s ability to store goods has not been confined to this small space.
Except for the freezer which is stuffed all year round, it is almost difficult to close the lid in the New Year.
The freezer is stuffed with all kinds of meat. My mother hurried to replenish it as soon as it was digested. I very much doubt that the bottom of the freezer can definitely find the zombie meat that has been frozen for many years.
But my mom’s reply to me is, what do you know, it’s all frozen, all right!
So, I always think my mother is a wonderful woman.
Because in the slap area of our house, walking to the largest supermarket and walking to the vegetable market will not take more than 5 minutes. Sometimes there are various small vendors selling vegetables downstairs. Even so, she still loves hoarding meat.
As a result, every time she came to Shanghai, she had to find a place where she could put a freezer in my small house with less than 90 in my suite.
In her opinion, the refrigerator won’t fit. Relying on freezer.
No matter how I explain to her,It is a supermarket and a vegetable market. There is a shopping mall next to the district. She is still happy to fill the refrigerator, and still insists that we plan a place where the freezer can be placed.
Later, I watched a show in Shanghai. A well-known host said that in addition to the refrigerator in his house, he also had a freezer. This freezer is dedicated to meat. Even if life is so convenient now, their family still hasn’t changed the habit of storing meat.
His explanation for this habit is that the Chinese people stock up because of crisis awareness. I was afraid of being hungry then, so no matter how good life is, they still feel that stockpiling can bring enough sense of security.
It’s as if young people now feel rich or have a house to feel secure. This habit is a legacy of history. It’s hard to get rid of the previous generation.
02
How strong Chinese aunts are about crisis, just look at the money they spend on insurance.
My relative’s mother-in-law is a typical crisisist, a family of four who buys various types of life insurance for almost every member. The amount spent on insurance each year is as high as a dozen or two hundred thousand.
Furthermore, from an enthusiast who bought insurance, he finally became an excellent insurance salesman.
Not only you buy it, you sell it yourself.
In this way, the retired old lady has persisted in this insurance industry for eight years, and she insists that she has orders every day regardless of large orders and small orders.
In her words, it is to use this profession to learn more about insurance and then buy more insurance for herself. My relative said that the old lady not only bought it by herself, but also her neighbours and old sisters.
In their opinion, insurance is guaranteed.
But this is not the case.
Just last year, the old man at home had a heart attack and needed a bypass operation on the heart. The entire hospital stay cost over 80,000. It stands to reason that it is time for insurance to work.
What surprised my relatives was that the insurance company only settled more than 10,000 claims.
The reply given is that heart bypass is not a serious illness, and in the non-critical illness category, the payout ratio will be less.
The relatives of Qi said that it was a serious illness if someone had to leave.
In the end, the old lady accepted this reply very naturally, and comforted her daughter-in-law constantly. It didn’t matter, it should be saved. When we leave, the insurance will pay a lot of money.
That’s it, the old lady still loves to go on the road to buy insurance every day.
At first, this relative was also very distressed, but later I figured it out, because running insurance every day, although I took a lot of money, my spirit is getting better.
03
Chinese aunts have not only crisis awareness, but also strong investment awareness.
For example, the investment product that Chinese aunts love most is gold.
When my mom went to Hong Kong for the first time, she did n’t care what she ate, played or watched, but she said to the golden stream haraz in the shop window that she was too cheap and too cheap. If you buy more points and compare with the domestic price difference, you can earn the travel expenses.
So no matter how I persuaded my family, my mother rushed in without any hesitation, and bought a few bracelets with completely non-standard Putonghua.
My mother’s explanation after the fact is that gold keeps its value and the price is cheaper than the mainland, which is just making money.
Not only that, no matter where my mother travels, she can’t move when she sees gold.
The final result is that when I come back to my neighbourhood every time I return from a trip, she only knows how much gold is over there, which is more expensive than domestic prices. For the rest, I can summarize it in one sentence. Jing, that’s it.
It’s not just my mother. I find that all the old ladies in China are fond of gold.
Until now, when you go to Hong Kong to buy gold and chat with sales, their older sales will still talk about the grandeur of gold grabbing Chinese aunts seven or eight years ago.
But does this gold really keep value or make money?
In my case, the answer is yes, just don’t make money. Because gold is a big disadvantage is the high discount rate.
I used to calculate an account with my mother. This is the gold you sold at the market, deducted depreciation fees, handling fees, and subtracted the manual fees when you first bought them. This stuff is simply losing money.
For example, take the recent market price as an example. The recent gold price on the market is 445 yuan / gram. Recycling. 336 yuan / gram is recovered.
If it is purchased at a price of around 300, it is basically a waste of time, because there is no money to make it.
However, the reply from my mother is very simple. If one day flees or the war breaks out, the banknotes will be worthless. Moreover, more than a decade ago, gold was so cheap, it was only a hundred or two hundred, platinum, hundreds of dollars, now, how much gold do you count, how much does platinum fall.
Chu, every time I collide with my mother’s concept of financial management, it is enough for me to spit out an old blood. In the end, my mother was very angry and yelled at me, yes, if I buy health products, you won’t be able to lose gold in the end.
Because my mother always said that buying these golds is to preserve the value, and to keep it for me in the future.
Not only did she buy it, she also bought it with her aunts in the neighborhood. As long as I heard that there is activity, minus 20 and minus 40 per gram, they form a unity companion like the wolf in the prairie, and they will go.