Old friends run businesses. After three years of the epidemic, many companies are struggling. Some have gone bankrupt, and some are still struggling to maintain. It is highly likely that there is a lack of funds. It is difficult to borrow money from banks, and borrowing money fro

Editor: After reading Teacher Zhu Bingchu's article, I also felt a lot of emotion. What should I do if an old friend borrows money? Old friends run businesses. After three years of the epidemic, many companies are struggling. Some have gone bankrupt, and some are still struggling to maintain. It is highly likely that there is a lack of funds. It is difficult to borrow money from banks, and borrowing money from old friends is also a helpless move. Teacher Zhu, 86, was mentally tangled and it was difficult to make a decision. Due to family reasons, he didn’t have much savings, so he “requited choice.” I understand, support and agree with Teacher Zhu’s decision. What do you think about this?

regret choice

—Psychological entanglement about borrowing money

Author Zhu Bingchu

A few days ago, a friend, the general manager of a health care company, called me and said that it was because of the epidemic that I could not gather to sell products. I encountered unprecedented difficulties in my business, lost my income, and I was financially struggling, and I couldn’t even pay the employees’ wages. So I took the liberty to ask me for a loan to solve my urgent needs.

I understand the difficulties and embarrassment of my friends. Borrowing money must be out of helplessness and has reached a barrier that cannot be overcome. Only when there is no other way can I ask me for a trusted old friend who had close contact more than ten years ago. I began to be surprised as I listened to his brief statement! How could an entrepreneur with super-capable ability, working hard in Beijing for many years, having a smooth career and making great profits not withstand the storm, and reach the point where he was almost struggling to make a shortage of money? But I think this should be a fact. There is no doubt that it is difficult to market health care products nowadays! Many supplies can be purchased for many years and there is no need to purchase them frequently like food, vegetables and fruits. Their difficulties will not be fake. The market competition is fierce and business is difficult to do! With his past interactions, he can completely trust his character cultivation! However, when he thought about his own situation, he was really pitiful. He didn’t have much savings, which should be far from what he imagined. He only had a mere 200,000 yuan, which was life-saving money to protect himself from old age! If you lend it all or half, you will feel unsure! He doesn't just have 30,000 to 50, right? So, after hesitating for a moment, he refused to borrow something when there was any difficulties, which disappointed him, and I was confused!

These days, I always feel uncomfortable in order to refuse to borrow something. Many past events have come to my mind: I recall more than ten years ago, I lived in the military district of Badachu, Shijingshan District, and encountered a company that promoted health care products. The exchanges were almost hot. The company's employees were enthusiastic and thoughtful. Health care products were good, which was conducive to prolonging life. Trust was born naturally. I had to attend one or two marketing meetings almost every month to listen to health care lectures. I bought health care items and participated in the tour organized by the company. I have been leisurely and leisurely in Guilin, Jiuzhaigou, Yuntaishan, Changbaishan, Terracotta Warriors and other places, and my horizons are wide open. As for the hot springs in Kyoto, I went to the hot springs many times to make my life live happily, so that the elderly can live a pleasant life. I have purchased a variety of health care products, such as electrolytic water dispenser, air purifier , disinfection ecology device, temperature control mattress, propolis , muscle and bone source, etc., to make my body and mind healthy and happy. But since moving into the Chaoyang District Military Retirement House, the distance is long and old, and there are patients at home, they have never participated in the activities again. What about health care products? Except for the water dispenser, everything else has been abandoned; except for having WeChat with the general manager’s wife, they will no longer interact with the company. During this period, my wife was seriously ill and the manager's wife came to visit her, which made me grateful!

, borrow money! Many years ago, a close comrade of mine, in the 1960s, I served as the young officer of the Artillery Regiment and the captain of the amateur performance of the soldiers. He was the director and instructor of the troupe club. We led the performance team to a prosperous level and won the first prizes in the division art performance. My relationship is as close as a brother, which is extraordinary. He encountered a problem - because he urgently needed 200,000 yuan to buy a house, he said that he could not borrow it from his brothers, so he had to speak to me. I knew the difficulties and did not hesitate. The economy was still good at that time and there was no big burden, so I immediately transferred it.He said he would pay me a high interest rate. I talked about friendship between comrades and soldiers, and I would not care about profit. You can use it with peace of mind and I will be at ease!

! After talking about borrowing money, I talked about the investment related to how much money it costs: My wife’s niece-in-law made money to make profits, and she was a little capable. In the past few years, in order to do some good things for relatives and friends, I contacted the fundraising users with a monthly interest rate of 5%. In order to get high interest rates, I invested hundreds of thousands of yuan, and it turned out to be a big profit. Unexpectedly, she encountered a telegram fraud later, and the huge amount of money she invested was swept away and could not be recovered. My money was wasted and almost half of my savings were lost. Fortunately, my heart was not sad and collapsed by this, but comforted myself with the spirit of Ah Q: the interest I had obtained before was roughly the same as the lost principal. To say that the loss could be considered as buying a profound lesson, don’t lose pie in the future: there will be no pie in the sky, don’t be profit-oriented, and you can go astray. If you have money, you should still deposit it in National Bank insurance. Don’t fall into a trap for the temptation of high interest rates. Of course, if I hadn't been cheated, I wouldn't have lost much savings, at least I'd have a million! My wife's niece was sentenced to 15 years in prison for participating in a huge fraud case. I was both angry and sympathetic about the tragedy that she had caused her to be cheated of the dozens of money. What I was angry was that she was too ambitious and had caused harm to the point where she was unstoppable. She sympathized with her that she was kind-hearted and wanted to do good deeds, and she was also a victim. Now she was going to be in prison but she would last for life. How could she not feel deeply regret and sad?

money, for me, it’s enough to spend. I am a person who pursues spiritual elegance and wealth and material things at will, and there is no need to expect how rich you are! For more than ten years, my wife has seriously ill and has a considerable expense. She has hired a nanny for a long time. When she is in serious condition, she hired two nanny to take care of her and also had to support her relatives in her hometown who are in trouble. The expenses have become even greater. She basically received support and had a slight surplus. A few years ago, when my daughter and son bought a house, I took out almost all my savings; in October last year, my wife passed away, and it was another considerable expense to hold a funeral and purchase a cemetery. Therefore, as mentioned earlier, there is not much remaining money, and when my friend borrows money, he is short of money.

In recent days, I have been worried about the matter of refusing to borrow money and the complex is difficult to resolve. I can only silently expect the other party to understand and understand. I hope that the friendship will last forever and understand me, who is 86 years old, and I will cover this pension!

My indifference is also out of helplessness, this is called a regretful choice!

Author profile: Zhu Bingchu, male, Han nationality, from Yixing City, Jiangsu Province, born in March 1937, joined the army in July 1954, joined the party in July 1956, was awarded the rank of colonel in September 1988, and retired in September 1992.

After retirement, he likes literary creation. He has served as a member of the China Campus Writers Association, a director of the Shijingshan District Writers Association, and a member of the Chaoyang District Poetry, Calligraphy and Painting Research Association. In 1998, the collection of more than 140,000 words of prose "Messages from Youth" was published by Conghua City's "Rural Language Newspaper" and the People's Liberation Army Military Science Publishing House.

1111 After being handed over to the 15th Military Retirement Office of Chaoyang District by the Political Department of the Beijing Military Region in early 2012, he served as the Party branch secretary and the General Branch Propaganda Committee, enthusiastic about publicity and reporting. He has published more than 500 articles on WeChat platforms such as newspapers, [My Wohuwan] [Baidu] People's Daily "Quality News", [Jiangshan Literature] [ Xinhuanet Client] [Fengrong Spring and Autumn], and has been commended for military retirement for many years. In June 2017, the collection of more than 350,000 words "Sunset Pen" was published by Beijing Line Binding Bookstore, in March 2019, the memoir "Review and Thinking" was published by Times Publishing House, and in May 2022, the collection of more than 540,000 words "Singing Zero in the Sunset" was published by Times Publishing House, with a total of more than 1.48 million words of manuscripts published. Life is endless, writing is endless, culture is used to support the elderly, and energy is used to continuously improve your spirit.