How to keep your wealth? (recommended)

Wang Chaoyin, the original work of Bao Fu Fa Nie Yuntai, sorted out that during the Anti-Japanese War, Shanghai society advocated gorgeousness and luxury. Nie Yuntai, an old layman, wrote a book "The Law of Protecting the Wealth" in 1942 and 1943, and published it in Shanghai Shenbao, which became a much-told story for a while. NieYuntai Jushi is the grandson of Zeng Guofan. He witnessed the ups and downs of many prominent families all his life. He combined his own experiences and lessons with history to prove the truth of karma. It is pointed out that his personal intention and choice of property have a great relationship with the success of future generations. The more ill-gotten wealth, the greater the negative impact on future generations, and the more accumulated, the most declining of their descendants. Only by believing in cause and effect, doing good deeds, accumulating virtue, being far-sighted and being generous is the best way to protect the well-being and wealth. As the saying goes, it is not difficult to get rich, but it is the most difficult to keep it. I have lived in Shanghai for more than fifty years, and I have seen many people make a fortune. After getting rich, some people lose in less than five or ten years, some lose in twenty or thirty years, and some lose in forty or fifty years. I remember that most of the rich people who interacted with my late father, some were officials and some were businessmen, were dazzled for a while, but now most of them have withered and their family affairs have declined. Some are squandered because their children and grandchildren are not doing their jobs, and some even have disappeared without a trace. About 4 or 5 years ago, the rich people have not lost all their possessions, and it is really rare for their children and grandchildren to study, do business and make progress. Not only in Shanghai, but also in my hometown of Hunan. During the reign of Tongzhi and Guangxu in the Qing Dynasty, there were six or seven rich people in the ZTE era who were knighted, twenty or thirty who were governors, and fifty or sixty who were lords of towns, and now most of them have been depressed. Among them, there are many civil servants, and the property is relatively small, and the descendants are better. As far as I know, people like Zeng, Zuo, Peng and Li, who have the least money, are more able to study and serve the society with academics: six or seven of Zeng Wenzheng's great-grandchildren have graduated from universities at home and abroad, and three have served as university professors; Zuo Wenxiang's great-grandchildren are also famous for their expertise in science; Some of Li Yong's grandchildren are university professors, and most of his great-grandchildren graduated from universities. Peng Gang's descendants were officials in Shanghai ten years ago. Probably the money at that time came from the right path. Without saving money for the hearts of future generations, future generations would be more talented and talented. The rest of the civil servants have more money than a dozen, and now most of the descendants are depressed. Dozens of military attaché s were richer than civil servants at that time, with 1 thousand and 2 thousand silver. (most of them are after the war is settled, and they can make a fortune by continuing to unify their troops. As for the three or four families with 5,-6,-million silver, such as Guo's family, Xi's family and Yang's family, they all returned from Shaanxi, Gansu, Yunnan and Guizhou to take charge of military affairs. When Jinling recovered, Zeng Guofan was completely dismissed because of the demoralization of the Xiang army, and when the bandits were suppressed, he switched to the Huai army. Therefore, the veterans of the Xiang army are very rich. The descendants of various families, most of whom have declined, are rarely heard of who can study and make progress. Most of my family and the major families in the ZTE era, either Xiang or Huai, have crossed generations, so we know a little about the rise and fall of each family. As for the civil and military masters in Anhui, they used to be rich and far better than the Xiang army, but today they have all been adjusted to zero, which is unbearable. It was only a few decades before and after, and it was handed down to the third generation, and it has all disappeared like clouds. However, at that time, several families refused to get rich and did not save money for their children and grandchildren, but their children and grandchildren were excellent. The most obvious is Zheng Gong Zeng Wen, who held the highest position and the heaviest power. He was in office for 2 years and died with only 22, pieces of silver. Except for the old house in the country, no house has been built in the province, and no acre of land has been bought. The two Huai salt tickets he founded by himself are priced very cheaply and the interest is very high. The ticket price of each salt ticket is 22 yuan, and later it is sold to 22 yuan, and the annual interest is three or four thousand yuan. At that time, as long as there was a salt ticket at home, it was called a rich family. Zheng Gong of Zeng Wen gave a special order to the Zeng family not to accept it, so many years after his death, future generations did not have a salt ticket. It would have been extremely easy to get one or two hundred salt tickets by changing the font size and flower name at that time, and it was not illegal on the surface to get tickets according to the rules. However, by virtue of political power and status, the villain thinks it is okay, but the gentleman does not! At that time, my mother knew this matter in detail, and few outsiders knew it. "The Doctrine of the Mean" says: "What a gentleman can't reach is what a man can't see!" (This is called being what you seem, that is, being sincere and not deceiving yourself. This is the foundation of China's political science. Without this foundation, all political roads will not work. ) Wen Zhenggong once swore to his subordinates: "Don't take any money from the army and send it home", and it has been for decades, which is the same style as Zhuge Gong in the Three Kingdoms period. Therefore, most of the generals' families at that time were honest, while the people benefited a lot from it invisibly. Therefore, practicing honesty is secretly benefiting the people. If you want money, then the generals and officials, everyone wants to get rich, and the people will suffer a lot. Please take a look at the politics and people's suffering in recent decades, and you will know that the honesty and incorruptibility of being an official have a great influence! Therefore, the "University" said: "A benevolent person makes a fortune with money, and an unkind person makes a fortune with his own body." "Mencius" said: "Being rich is unkind, and being kind is not rich." Because greed and non-greed are related to the interests and happiness of others to a great extent, getting rich can make a crime, and not being greedy can benefit. The world thinks that saving money to buy more land and real estate can make children eat, so they desperately want to get rich. Today, if we look at the facts of the above dozens of families, we can see that those who have accumulated more money have left their children without food, and even their children have become extinct. Those who refuse to make a fortune by trickery can have food for their children and grandchildren, and have a prosperous atmosphere. Ordinary people think that if they don't accumulate any money, they are afraid that their children and grandchildren will be poor immediately. However, from the historical facts and social experience, if you really benefit others, regardless of yourself and leave no money, your descendants will certainly be developed. Now, let me give you a few more examples: Fan Wenzheng Gong (Fan Zhongyan) in the Song Dynasty, when he was a poor scholar, he was obsessed with helping people. Later, when he became prime minister, he took out all his salary to buy Yitian to support the poor. First I bought the South Garden in Suzhou as my own residence, and later I heard the geomantic master say, "This house has excellent geomantic omen, and future generations will be appointed officials." He thought, since this house would become rich and powerful, it would be better to use it as a school to educate the children of Suzhou people, so that most people would become rich and powerful, so it would be better. So I immediately donated the house as a school. He is obsessed with the interests of the masses and does not want his own family to benefit alone. As a result, his four sons became prime ministers, ministers and assistant ministers, and all of them were morally noble. His sons once asked him to buy a garden house in Beijing for entertainment when he retired, but he said, "There are many gardens in the homes of senior officials in Beijing, and the owner of the garden can't visit the garden often, so who will forbid me to swim?" Why do you have to have a garden to enjoy yourself? " Mr. Fan's sons are usually at home, all dressed in plain cloth. Fan Gong has been in the phase for decades, and the money he received has also been used for charity. Therefore, the family is extremely frugal, and even the funeral expenses are not enough when they die. According to the psychology of ordinary people, it is too thoughtless to plan for future generations. Who knows that this is the best way to plan for future generations. Not only did the four sons become officials, but they also inherited his father's wishes and gave money to help the people. Therefore, the great-grandchildren of the Fan family are also extremely developed, and they have spread to the descendants of dozens of generations. Up to now, it has been 8 years. There are still most descendants of Fan in Suzhou, and excellent molecules are often produced. If the world wants to plan for future generations and leave food for future generations, it is the best way to act according to the wishes of Fan Wenzheng Gong. Besides, Yelu Wenzheng Gong (Yelu Chucai) of the Yuan Dynasty was the strategist of Yuan Taizu (Genghis Khan) and Yuan Shizu, and he made decisions on most military matters, but he saved countless people by this. Because Yuan Taizu is easy to kill, and he is good at talking, he can persuade Mao not to slaughter. As a prime minister, he lives a very hard life. He is a great Buddhist, and his desire for profit is extremely indifferent. When yanjing was attacked, all the generals went to the treasury to collect treasures, but he only ordered dozens of loads of rhubarb in stock to be sent to his camp. A plague occurred soon, and he treated it with rhubarb, which was very effective. He also has no savings, but his descendants have been prime ministers for generations, but there are as many as 13 people. This is also evidence that children and grandchildren are prosperous instead of saving money. Let's talk about Lin Wenzhong (Lin Zexu) in the Qing Dynasty. He was a great man who opposed Britain and caused the Opium War. If he wanted to make a fortune, it was easy to make millions at that time. He believes that opium harms the people very seriously, so he is not afraid to burn 2 thousand boxes of opium by drastic means. Later, the British attacked Guangdong, but failed to advance for a year, and later captured Ningbo and Zhenjiang. As a last resort, the Qing Dynasty dismissed Lin Wenzhong from his post and banished him from the army to make peace with the British. After Lin Gong's death, he also had no savings, but his descendants have been learning books for generations, and there are still Jinshi and Juren among his great-grandchildren, which still exist today. Lin Xiang, the president of the Supreme Court who died a few years ago, is also one of them, and his morality is very lofty. This is another evidence that children and grandchildren are prosperous instead of getting rich. Let's look at Lin Gong's people who made a fortune at the same time. I can cite several examples: Wu's family, Pan Shi's family and Kong's family in Guangdong all made millions of silver from opium. Most painters and calligraphers know that most of the famous ancient calligraphy and painting inscriptions in China are stamped with the stamps of Wu, Pan Shi and Kong, which shows that this object has been collected by three houses, showing their wealth. But decades later, these precious items have already flowed to other homes. Their nanmu house has long been demolished and has been used as decoration and woodwork in other houses. None of their descendants came from Wen Da. The owners of these three families are smart enough to make such a fortune. At that time, Lin Wenzhong refused to make a fortune, but he got himself dismissed and committed crimes. It was stupid at last! However, decades later, if we look at their descendants, we will know that Lin Wenzhong is the most intelligent person in the world. Wu Shi, Pan Shi and Kong Shi are the most stupid people. There are many rich men in Shanghai, and I can cite a few examples: one is Zhou Weng from Jiangxi, who was known to my father-in-law Xiao's family in Yangzhou fifty years ago (the two families were both leaders of salt merchants at that time). One day, Zhou Weng went to Xiao's house and was very angry. It turned out that he had received a letter from the manager of Xiangtan Branch, saying that there was a famine in Hunan, and the government advised them to raise money. He pledged 52 pieces of silver on behalf of his boss Zhou Weng. And Zhou Weng suspected that he was good at making claims and donated too much, so he was angry. At that time, he had millions of silver, and he was not willing to give up a relief of 52. Later, I lived in Shanghai. One day, Mr. Tan Zuan sat with him and asked him how he got so rich. He said, there is no other way, just accumulate without using it. He didn't die until he was over 8 years old. His inheritance was 3 million yuan, and his children and grandchildren were separated, but after more than ten years, it was empty. One of them is a grandson, who can do some good things. This room is better, but it has also suffered various unexpected losses, and there is not much money left. If it is common sense, in any case, every house has three million grandchildren, and they will not be defeated so quickly; However, in fact, it is. If you ask him how to defeat the law? Readers can try to close their eyes and think about the way Shanghai rich young master uses money, so they can understand, needless to say. This old man, too, is doing business properly, and has not taken excessive wealth. However, I was greedy in my heart, and when I saw the famine, I refused to pay for relief, thinking that it was smart to save money without using it. But I don't know that this kind of mind is completely contrary to the good law of kindness and equality. If I have a rich family, regardless of the life and death of his family, it is unkind and unequal to the extreme. Besides my own karma, I am also dominated by Yu Bao, that is, Qing Yu and Yu Yan in the Book of Changes. So that the home of the rich is defeated particularly quickly, so that the public can see the results with their own eyes and wake up. (And the karma I received, if it is not the worldly newspaper, others can't see it. ) Besides, Chen Mou, the land king of Shanghai more than ten years ago, has 4 million silver dollars in his family's property and two brothers and two rooms, each with 2 million. In the fourteenth year of the Republic of China (1925), I went to his house for dinner once. The house he lived in was very luxurious, and there was a pair of stone lions in front of the door, which was rare in Shanghai. His guest room, all the walls around it are all equipped with glass frames, and the bronze tripod on display is an antique of 3, years. A guest pointed to me and said, "The bronzes in this house are worth 1.5 million silver dollars. Half of the famous ancient bronzes in China are here. " These words are exactly what the host is most happy to hear. It turns out that the psychology of the general rich is to boast that everything I have is better than all people. But only moral reputation can't be done by money. These rich people have no choice but to compete for victory in clothes, treasures, houses and appliances, and win the favor of guests who generally want to get benefits. (Arrogance and extravagance are connected. Arrogance means putting on airs, while extravagance means making noise. What Shanghai often sees is a big funeral. In one day, it costs 1, to 2, silver dollars, thinking it is glory; But it is not easy to ask them to pay several thousand yuan to help with the disaster relief. This is the despicable and selfish psychology of ordinary people, not just one family. This master, of course, also failed to avoid custom. ) After I saw him, it was only seven years, and the land price in Shanghai suddenly fell sharply, resulting in speculative losses and bankruptcy. The Chen family's bronze treasures, houses and real estate, everything, were confiscated and sold by the bank, and the owner moved to his hometown in the mainland. Another example is the owner of Harbin Garden in Shanghai. Recently, there are often sarcastic comments in the newspapers, saying that they refused to give much help to charity all their lives and that he had an inheritance of 8, silver dollars. Imagine that the income of 8 thousand property, calculated at 2% interest, should be 16 million every year. If they are willing to use the last six million yuan to help the poor, then all the refugees in Shanghai can be saved. Three years ago, there were 1, people in the refugee camps in Shanghai, and the food needed by each person was only more than two million yuan in the whole year, calculated at two yuan per month. By the time Migui arrived last year, there were only 1, refugees in the refugee camps, with a monthly fee of 3 yuan per person, or 5 to 6 million yuan a year, which was only one-third of their annual income. Besides, there were nearly 2, poor people who died on the roads in Shanghai last year, but only 1, the year before, and only a few thousand the year before. Let's just say that when rice was expensive last year and the number of dead people was the highest, if we set up several cold shelters and porridge factories to feed these 2, to 3, people, it would only cost five or six million yuan a year. For them, this is just a drop in the bucket, but this drop is hard to pull out. If you can spend millions of dollars to save tens of thousands of poor people; Its own household, if there is no special profligacy, is rich anyway, and it can still use tens of thousands of interest left over from one year for savings. In this way, on the one hand, it gained a good reputation, on the other hand, it made great achievements in saving people, on the other hand, it still increased its savings by tens of thousands every year. This kind of abacus is really very accurate. However, they don't have such a wise vision, and they just want to receive all the 16 million yuan in their bank accounts, keep it for themselves and squander it at will. Unexpectedly, I didn't think that this body would die, and I had no children, so the property went to others. Tens of millions of property, once turned into empty flowers.