Yukinoshita's Correction Method

But the wish...

"I'm very interested in the business philosophy of Cloud Snow Tea," Haruno Yukinoshita said slowly, "But I have no interest in running Cloud Snow Tea."

Haruno Yukinoshita incapable of lying.

Just as Snow Mother expressed.

What's the point of resisting if you choose to do something you don't want to do just to avoid doing something you don't want to do?

Moreover, this kind of resistance requires making Yukino Yukinoshita do things she doesn't want to do.

"When I was running the Odd Jobs Agency), I helped solve debt problems, and later I also talked to the loan sharks." Dong Yunshan picked up his teacup. "That guy especially liked lending money to students because they had their parents to back them up."

"My sister's status as heir is not only not a loophole in the family Family Isolation Clause Family Isolation Clause, but also a supplement to it." As Higashi Dong Yunshan sipped his tea, Yukino Yukinoshita instantly understood his meaning. "Just like when Yunshan raised funds before, once the Family Isolation Clause is confirmed to be legally effective, many people will be watching my sister to ensure that the clause is implemented as required. And my sister's status as the family heir will also make investors trust her more."

"As for inheriting the family business... even if it were Yukino and me, we would take the same actions as Sister Haruno." Dong Yunshan put down her teacup. "Use emerging industries to open up markets and promote the transformation of traditional industries—instead of letting traditional industries get involved and hold us back before the market is fully open."

"From the perspective of family succession, tying Cloud Snow Tea to the family business too early is not a good choice." Haruno Yukinoshita looked at the teacup, staring at the tea liquid rippling inside. "You can't put all your eggs in one basket."

Xuemu pressed her temples as if she had a headache, then put the folding fan aside, picked up the folder on the table, and started flipping through it.

While she was looking through the documents, Dong Yunshan got up, walked to the door, and opened the door to the activity room.

Unable to dodge in Yui Yuigahama and Komachi Hikigaya hurriedly straightened their clothes and hair, pretending to be very busy.

Iroha Isshiki Saki Kawasaki hid behind Saki Kawasaki, who glanced around the room and asked, "Finished talking?"

"We're still chatting." Dong Yunshan stepped aside. "Come in."

"Huh?" Yui Yuigahama looked worried. "You two are talking about something important, aren't you...?"

"It won't delay you," Dong Yunshan reminded them, "Your health is more important; it's still quite cold."

"Then I'll have to bother you~" Komachi Hikigaya entered the activity room first and greeted everyone politely.

"No problem," Snow Mother replied with a gentle smile. "Please, everyone, have a seat."

Iroha Isshiki smiled back, then lowered her voice and asked, "How did you know we were outside?"

Dong Yunshan pointed to her ear. "I don't want to repeat myself."

Iroha Isshiki stuck out her tongue. "Looks like I can't talk bad about you behind your back anymore."

Hiratsuka sighed, guessing that several people came here out of worry. "You are all here, what will happen to the consolation party?"

"The vice president is here." Iroha Isshiki blinked. "She's very reliable~"

Shizuka Hiratsuka sighed and rubbed her forehead in exasperation, "... You've already learned to pass the work on to others so quickly."

Saki Kawasaki held down Yukino Yukinoshita, who was trying to get up, and went behind the bar to pour tea for everyone.

Snow's mother looked up from the document and at her eldest daughter beside her. "Have you read this document yet?"

Haruno Yukinoshita nodded. "I've already seen it before."

"Let me look at it again." Handing the document to her daughter, Xue's mother slowly shifted her gaze to the newly arrived students. "You've all decided on your Science Track, right? What did you choose?"

Yui Yuigahama was taken aback, not understanding why the topic had turned to her.

Aren't we talking about something very important?

After exchanging a glance with Yukino Yukinoshita and receiving an encouraging look, Yui Yuigahama answered truthfully, "I chose the Humanities Track."

Komachi Hikigaya replied, "I'm also in the Humanities Track."

Saki Kawasaki: "I chose the Science Track."

Iroha Isshiki smiled and said, "I'm only a first-year student, I haven't decided yet."

"So everyone has thought about this, from the immediate issue of choosing between arts and sciences, to the more distant issue of life planning." Xue's mother tilted her head. "So... what are your wishes? Or rather, your dreams for the future?"

Chapter 828 As Always

"My wish..." Yui Yuigahama her head, "Well, my wish is that everyone can continue to live happily like this, and always be good friends..."

Yui Yuigahama's voice trailed off, sounding a little embarrassed.

"I want to watch lots and lots of movies~" Komachi Hikigaya said with a bright smile, "And save up lots and lots of money, and then take lots and lots of photos that I like."

"I hope my family is happy and healthy... I think that's a wish everyone has." Saki Kawasaki leaned against the bar. "My dream is probably to open a laid-back yarn doll shop."

"I want to open a confectionery shop!" Iroha Isshiki wholeheartedly agreed, "But the key is to have a relaxed pace~"

"Those are all very desirable dreams," Snow Mother nodded gently. "Then... what if someone offered you a large sum of money to give them up?"

"Huh?" Yui Yuigahama vigorously. "Friends are more important."

Komachi Hikigaya tilted her head in confusion. "If I already have money, why would I give up my dreams?"

"The more money you have, the greater your responsibility." Saki Kawasaki glanced at Haruno Yukinoshita, who was unusually quiet today. "My abilities are limited; I'll keep my little dreams to myself."

"I can give up without spending money. The bakery is actually not bad at all." Iroha Isshiki chuckled. "If someone is really willing to give it to me, I'll just deposit it in the bank and earn interest every day."

"Then you'll be disappointed," Yukino Yukinoshita warned. "The average bank deposit interest rate is below 0.1%, and it's been close to zero for a long time. If you deposit 10,000 yen, you won't even get 10 yen in interest in a year."

"Huh? Are you kidding me!" Iroha Isshiki exclaimed incredulously. "Could you go any lower?"

"Don't rush," Dong Yunshan chuckled, "There might even be negative interest rates in a few years."

Iroha Isshiki: "...?"

Just as Dong Yunshan was about to explain, he suddenly noticed a change in Xue Mu's gaze.

Turning my head, I was met with Snow Mother's smile.

"I see." Mother Xue's eyes crinkled with a smile. "Shizuka, what are your thoughts?"

"Me? That's a pointless question." Shizuka Hiratsuka scratched her head. She'd wanted to go out for a smoke since earlier, but had held back until now, and her tone was inevitably a little irritated. "It's not like someone would actually give me money if I gave up my dreams."

"Talking about these things with young people makes me feel a little younger myself," Xue's mother said with a smile, pressing, "Tell me about it."

"... I've thought about becoming a race car driver." Shizuka Hiratsuka clicked her tongue. "You only realize how tough it is once you've actually participated. It's completely different from what I imagined."

With a long sigh, Shizuka Hiratsuka looked at her students. "So, you should try more things while you're young. Otherwise, you won't even know that what you regret having isn't actually what you wanted at all."

"Teacher~" Iroha Isshiki grumbled, dissatisfied, "This hardly counts as encouragement."

Shizuka Hiratsuka: "It'll have to do."

"I'm really happy to hear you tell me all this." Xue's mother paused slightly. "There are many topics that people talk about with friends, but parents rarely have the chance to hear about them, right?"

"My dream is to do less work and earn more money," Dong Yunshan confessed candidly. "Ideally, I'd do nothing and get paid, and then, depending on my mood, I'd help people with some minor problems."

"Sounds good... wait, something feels off." Yui Yuigahama muttered suspiciously.

Komachi Hikigaya looked at Dong Yunshan: "I have a strange sense of déjà vu..."

"If you take someone's money, you'll have to do whatever you feel like..." Iroha Isshiki thought of something and covered her mouth.

Saki Kawasaki: "Collecting protection money is illegal."

Shizuka Hiratsuka said warily, "Yukino, we can't stop correcting him."

"He's talking about the Odd Jobs Agency (Odd Jobs Shop)." Yukino Yukinoshita rolled her eyes at Dong Yunshan, annoyed. "You mean investing and the Odd Jobs Agency, right?"

"That's exactly what I mean." Dong Yunshan nodded. "Legal and compliant."

"Teacher, he also needs more attention in his Japanese language teaching." Yukino Yukinoshita noticed her mother's gaze, hesitated for a moment, then took a deep breath and spoke her dream in a clear and firm voice, "I want to make good changes in the world, no matter how big or small... real, tangible changes."

Shizuka Hiratsuka's inner turmoil subsided briefly, and a relieved smile appeared on her face.

Yui Yuigahama couldn't help but recall what Yukino Yukinoshita had said when Yukino Yukinoshita first met:

"Humans are weak and their hearts are ugly; they are easily alienated by jealousy. The more outstanding a person is, the harder their life is. Don't you find that ironic? That's why I want to change humanity and this world—that's the meaning of the Service Club and service activities."

Compared to the initial declaration, the current ideals... have gained a touch of reality that can often be seen in Dong Yunshan.

"I said it from the beginning..." Komachi Hikigaya lowered her voice, "These two should get together."

Iroha Isshiki: "What?"

"Ideas, she meant ideologies." Yui Yuigahama worried that Iroha Isshiki like she had before, "Idealism and realism and all that..."

"Oh~" Iroha Isshiki suddenly realized, then stared at Yui Yuigahama, "What else?"

Yui Yuigahama: "..."

"I really wish I could talk to you about these things more often," Snow Mother asked, "Haruno Yukinoshita?"

Haruno Yukinoshita looked up from the page of the document she had been reading several times. "Hmm..."

I want to say something, but I don't know what I want.

Do I truly possess a dream that matches the value of twenty years of hard work?

"Have you finished reading?" Mother Xue asked calmly. "Tell me your thoughts."

"I'm not asking about dreams..." Haruno Yukinoshita chuckled softly.

Well, that makes sense.

Why would you ask about dreams?

Haruno Yukinoshita smiled her signature smile, "Compared to the previous financing plan, it is indeed somewhat necessary, but it's not perfect. We shouldn't completely abandon funds related to the family. We can utilize these funds in the form of debt, with interest rates set at market rates. This can both isolate the impact and reduce financing pressure."

"This way, you can only get a fixed interest rate, but you can't share in the growth dividends, and your willingness to borrow won't be high." Xue Mu looked at Dong Yunshan, "What do you think about using convertible bonds?"

"Within the agreed period, this money is a debt of Cloud Snow Tea," Yukino Yukinoshita explained succinctly. "Usually, there is an agreement stipulating that when Cloud Snow Tea completes its next round of financing, it has the right to convert the debt into equity at a discounted price as a way of rewarding early support."

Chapter 829 A Happy Ending

So that's one of those tricks too...

Dong Yunshan knew, of course, that things wouldn't go particularly smoothly.

But what was truly unexpected was that, just when success seemed within reach, Snow Mother was able to launch such a brilliant counterattack.

Dong Yunshan was beginning to understand his father-in-law better.

As for the proposal put forward by Snow Mother...

We need to clarify the difference between borrowing money and investing.

From a responsibility perspective, borrowed money must be repaid, but investments made through other means do not need to be repaid.

A loan creates a creditor-debtor relationship. Regardless of whether the money is earned or lost, it should be repaid with interest at the agreed time.

Investment creates an equity relationship, a partnership where both parties share risks and profits, and losses are shared.

So... now that you have some money, how should you invest it with minimal risk?

This refers to the debt-to-equity swap proposed by Xue's mother.

During a period when it was uncertain whether the project would be profitable, the money was a loan from the family to Cloud Snow Tea.

Regardless of whether Cloud Snow Tea makes a profit or loss later on, this money still needs to be repaid.

When Cloud Snow Tea develops and conducts its second round of financing, the agreement conditions will be triggered, converting the debt into equity, and then the company can receive dividends.

If Cloud Snow Tea's development stagnates later, you can directly withdraw your investment and realize your profits, receiving dividends without having to repay them, and getting back the money you originally lent out.

Even in the worst-case scenario, the family can retain their principal and still receive interest.

A sure-fire way to make money.

The core of Dong Yunshan's plan is to isolate family influence.

To put it bluntly, it's about not involving the Yukinoshita Family and related interest groups, so as not to be dragged down.

Snow Mother's plan can also isolate the influence of the family.

After all, debt is not equity and cannot participate in decision-making.

When the second round of financing arrives and the debt is converted into equity, the shares are still so small that they cannot influence decision-making.

It perfectly met Dong Yunshan's requirements and protected the family's interests.

Everyone was happy.

Dong Yunshan tapped her temples lightly with two fingers together, then her eyes suddenly lit up. She opened her hands towards Haruno Yukinoshita: "Don't ask me, this is the real decision-maker of Cloud Snow Tea."

Haruno Yukinoshita pressed her temples as if she had a headache. "You gave me the decision-making power just to pass on the problems I'm too lazy to think about?"

Dong Yunshan replied matter-of-factly, "That's right, what else?"