My Investment Disaster

By Li Chen

When Chen Ying was a child, her family was poor. So she was determined to make a great career and live a rich life by her own efforts. Through more than ten years of hard study, she thought she had mastered enough knowledge and skill, and had been able to venture into the world and gain a foothold. She believed: The society was fair and everyone had opportunities to gain success. As long as one had true abilities, he could earn much money to shake off poverty and live an affluent and happy life.

After graduating from university, Chen Ying worked for a cosmetics firm. Through much effort, she obtained an Inspection Certificate and specialized in the import-export customs declaration and inspection business. And soon, she was securely established at the company as the best. At that time, Chen Ying felt very satisfied. But after some time, she thought that though having a regular income, she still fell far behind those friends who wore famous brand clothes and lived in lavish homes. Living on her salary of several thousand yuan every month, she couldn’t imagine how many years she would need to work before she could live a rich life. For this, she began to look for every possible business opportunity to make her fortune.

In 2010, one of her friends invited her to attend a business forum. At the conference, an elder sister who used to sell vegetables told about her experience of success. She said she was only a vegetable hawker only with one thousand income every month. Afterward, through the introduction of a friend, she invested 20,000 yuan in a direct-sale firm. Only two years later, she got generous returns, and from then on, she said goodbye to her bitter life of selling vegetables. Now, she was rewarded with a car as well as high commissions by the company, and lived a desirably rich life.

Hearing the successful experience of the vegetable hawker, Chen Ying’s heart couldn’t quiet down for a long time even after she returned home. At night, she couldn’t fall asleep, but turned and tossed in bed, just thinking how other people made their fortune. She thought: Even a vegetable hawker can succeed, how much more for me, the formal university graduate and the best employee in my company? Am I worse than her? As far as mind, knowledge, academic qualification, and social status are concerned, I am superior to her. How come I can’t succeed? This kind of secure investment can produce a profit of a million yuan; compared to traditional business, it only needs a small investment but can produce a great return. It is really good for the price. Even if the products can’t be sold out, in the last resort I can eat them myself, which can count as a payment for my own health. With such an attitude, Chen Ying used her spare time to carry out her great plan. She began to make investments in selling products, for example, she often went to other places to learn marketing techniques.

In two years, Chen Ying had been so busy every day that she often didn’t return home until midnight. Delivering goods, introducing products, selling products, springing for dinners and making friends seemed to be all her life. However, this success wasn’t as simple as what others said, nor was it as easy as she imagined it to be. The price behind it was to market products to acquaintances, relatives, friends, and family, and to make them the faithful loyal patrons of her company. Only in this way could she get the house and car rewarded by the company. But a set of products cost at least several thousand yuan, and even up to several ten thousand yuan; their annual cost would amount to over one hundred thousand yuan for each person. Such an upscale product was not what the friends and relatives around her could afford. Since she cared too much about face, she was embarrassed to ask her friends and relatives to pay for her products. In the end, after three years’ hard work, she not only didn’t earn any money, but instead lost much. It was the first time that she had felt she was deceived. It turned out that the strong’s rule for success was not based on their true abilities, but on selling their conscience and character. Their success was obtained by fraudulent means.

Though Chen Ying failed, she didn’t lose heart; she wanted to try again before she was old. But she became more careful in making an investment. At the end of 2013, her good friend repeatedly went to her office to talk about foreign exchange investment, saying that there wasn’t any risk to invest in foreign exchange, and that she could get monthly dividend. In light of her former failure, Chen Ying had a heart of caution, saying, “How can there be such a good thing as a pie in the sky?” However, the friend continued to entice her and said, “Even if it’s a pie in the sky, you need to reach out for it. Before winning the lottery comes a ticket to buy first.” Associating these words with the opportunities of many nouveau riches, Chen Ying had no words to contradict her friend. After that, the friend went to her company many times persuading her. When Chen Ying saw her friend’s monthly income was over ten thousand yuan and was still increasing, she kept reminding herself to learn lessons from the previous failure, to be careful, and to avoid being deceived again. But in her heart, she couldn’t help envying her friend. Besides, her friend kept tempting her and enticing her with profit, saying, “It’s a secure investment with great profit.” Facing such a great enticement, the defense of Chen Ying’s heart was completely devastated. She put the previous lesson of failure in the back of her mind and started to invest together with her friend. She invested 63,000 yuan at a time, and got 4,800 yuan as dividend in the first month. Seeing what the friend said was true, Chen Ying was full of gratitude to her friend. Thereafter, Chen Ying could get four or five thousand yuan as dividend every month. When such a situation lasted nearly one year, Chen Ying had long forgotten the risk, so she began to make larger investments. Afterward, she could get more than ten thousand yuan as dividend every month, which made her lose her head. And once again, she put all her money in it. She used to be frugal, but now she began to lust for material enjoyment. She spent money like water: getting pretty, buying jades, and so on. It seemed that she really lived a rich life. Just when Chen Ying was enjoying the happiness, the friend persuaded her again and said, “If you introduce customers for the company, you will get a higher commission. Furthermore, the company will offer incentives to customers. And those new customers who make a one-time investment of up to $10,000 could receive a rebate of $400. And this policy won’t be canceled until the end of the month.” Hearing that there was such a great profit, Chen Ying would have liked to tell this good news to all her relatives and friends she knew, and to bring them together to become nouveau riches. So, in February of 2015, Chen Ying mobilized her friends and family to put all their funds in this company, which immediately attracted so many customers to the company that its managers couldn’t do enough. Moreover, some friends even put their houses in pledge for loans from the banks to make investments.

Just when Chen Ying and her family and friends were immersed in the imagination of becoming rich overnight, none expected that two months later, the company no longer returned dividend to anyone. When the friends and relatives all asked Chen Ying, she still thought: The company is running normally, so there can’t be anything wrong with it. It’s normal for the company to get behind with the payments for one or two months. But unexpectedly, the longer they waited, the less hope they saw. For a moment, all the relatives and friends came to Chen Ying. They scolded her, saying that she had no conscience, and that she shouldn’t have entrapped them together with the company. They asked her to work out a way to find the company and get their money back. Actually even Chen Ying’s own savings of hundreds of thousand yuan also vanished without trace. She had mobilized them to invest with good intentions, wanting them to make a fortune. Yet she never imagined it would turn out like this. A series of scenes appeared in her mind: A friend with three-year-old twins needs to rely on her money to support their living; some friends left their house properties as pledges in the banks, but now without money to repay the loan, they have nowhere to live; the savings of hundreds of thousand yuan that her own sister and her brother-in-law had accumulated for half of their lifetime were gone only in two months; and the nest eggs of her mother also were gone. These scenes made Chen Ying live in great pain. She washed her face with tears and was ashamed to face her friends and family. She hated her greed and lust, which not only ruined herself, but also all the friends and family involved in the investment. Facing so great a blow, much of Chen Ying’s hair turned white in one night, but she even couldn’t choose to die.

When she was in agony and desperation, a remote relative came to preach the gospel to her, saying, “We humans are all created by God; everything we have is in God’s command. Now, you are facing these sufferings and misfortunes, no one is able to help you. However, man’s end is God’s beginning. Only by coming before God to rely on and look up to God, can we have a way to follow.” Then, she read for her two passages of God’s word: “There is an enormous secret in your heart. You never know it there because you have been living in a world without light shining. Your heart and your spirit have been taken away by the evil one. Your eyes are covered by darkness; you cannot see the sun in the sky, nor the twinkling star in the night. Your ears are clogged with deceptive words and you hear not the thunderous voice of Jehovah, nor the sound of the rushing waters from the throne. You have lost everything that should have belonged to you and everything that the Almighty bestowed upon you. You have entered an endless sea of bitterness, with no strength of a rescue, no hope of survival, left only to struggle and to bustle about…. From that moment, you are doomed to be afflicted by the evil one, kept far away from the blessings of the Almighty, out of reach of the provisions of the Almighty, and you embark on a road of no return. A million calls can hardly rouse your heart and your spirit. You sleep deeply in the hands of the evil one, who has lured you into the boundless realm, with no direction, with no road signs. Henceforth, you have lost your original purity, innocence, and started to hide from the care of the Almighty. The evil one steers your heart in every matter and becomes your life. You no longer fear him, no longer avoid him, no longer doubt him. Instead, you treat him as the God in your heart. You begin to enshrine him, worship him, be inseparable like a shadow of his, and mutually commit to each other in life and death.

The Almighty has mercy on these people who suffer deeply. At the same time, He is fed up with these people who have no consciousness, because He has to wait too long for the answer from humans. He desires to seek, seek your heart and your spirit. He wants to bring you food and water and to awaken you, so you are no longer thirsty, no longer hungry. When you are weary and when you begin to feel the desolation of this world, do not be perplexed, do not cry. Almighty God, the Watcher, will embrace your arrival any time. He is watching by your side, waiting for you to turn back. He is waiting for the day your memory suddenly recovers” (“The Sighing of the Almighty”).

After hearing these words, Chen Ying was so touched that her face was bathed in tears. Over these months, nobody could understand her, and no one knew she was also a victim. No matter how she explained it, none of her friends and family believed her, they all blamed her and forced her to bear all the responsibilities. Even if she had been in heavy debts, no one showed mercy to her. She thus fell in agony and desperation, and had lost the courage and hope to live on. At this moment, unexpectedly, Chen Ying got the comfort, support, and supply of God’s word, which made her feel God’s love and salvation for her. When she was in the greatest pain and desperation of her life, it was God who helped, sustained, and comforted her, and let her see the hope of getting rid of pain. God’s mercy made her see that only God is her sole reliance, and that only God can save her from Satan’s corruption and affliction. In this way, she returned before the throne of God, began to read God’s word earnestly, and lived a church life.

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