"Okay, then just think of it as saving money. At least the money is spent and the land is still there. At the worst, it can be used to build houses and rent it out."
"Yes, that's what I think. If we buy it anyway, it belongs to us. It's safer to exchange the cash for real estate."
"Well, okay, how much money do you have left with you?"
"Ahem, I...'plan' to deposit 200,000 in the bank."
Lin Xiuqing wondered, "Why do you want to deposit in the bank? You said last time that even if you can remit it back, the bank may not have the money to withdraw it? Are you still depositing? You may not have the money to withdraw it, so what else are you depositing?"
Ye Yaodong smiled and lied, "Haha, as I said before, it's not safe to keep money around. A few thousand dollars can buy a life. If I keep these hundreds of thousands around me, I will be the fattest sheep."
"What's more, the bank's interest rate is high. Think about it, don't I still owe the bank 200,000? Then if I deposit it in the bank, I won't lose money if I don't take it out? Right?"
"We just return this money to the bank, and we can still earn another interest before we pay it back!"
"Do you know how much interest there is? The annual interest rate for three years is 116,800 yuan. 200,000 yuan is equal to 23,360 yuan a year. If we leave it for three years, we will earn 70,000 yuan in vain! It is a guaranteed profit without losing any money!"
Ye Yaodong didn't dare to give her five years, only three years. After all, the loan was only for three years, and almost a year had passed since the loan was repaid.
Lin Xiuqing was surprised and said, "So much! Does the bank give so much interest?"
"Yes, if there is not so much interest, do I need to save?"
"Then what is it for? I loaned you 200,000 yuan without interest, and then you deposited the 200,000 yuan back and got more than 70,000 yuan in interest? Isn't this stupid? Giving you money for nothing?"
"That's right, you can't say stupid, you should say magical. That's the rule."
"Have you ever been cheated? Are you reliable? There are many scammers out there..."
"No, it's a state-owned bank. The bank that gave me a loan already gave me 200,000 yuan. What should I be afraid of?"
"Is that really... giving you money for free? Why is it so magical? If everyone can take out a loan and then deposit it back, wouldn't it be equivalent to giving money for free?"
Lin Xiuqing thought this was incredible, so she gave them tens of thousands of dollars in vain?
"But you have to think about it, how many ordinary people dare to borrow money from banks now? Let alone tens of thousands of dollars? If you dare to borrow money, the bank will not lend to you. You must have a work certificate, a work certificate, and a village certificate.
Only in this way can I borrow tens of millions of dollars, and you must have large assets before I can lend you more."
"That's true."
"So I will deposit it in two days, so that I don't have to worry about it. Anyway, I can still earn interest if I put it in, so the state-owned banks can still rest assured."
"That's fine. Anyway, we still owe it 200,000 yuan. You can deposit 200,000 yuan into it and then it can be deducted directly."
Innocent.
Wherever there is a deduction, you still have to pay it back. What is there will still be there, and you can only withdraw it when it expires.
"Okay, I'll listen to you."
"Why do you listen to me? You obviously brought it up yourself."
"I only deposited it with your permission. Anyway, we are guaranteed to make a profit. It would be better if we could save it for 5 years. Do you know how much interest we can get from saving it for 5 years?"
"How many?"
"I can get 140,000 back in five years."
"Ah? So much...then what's the purpose of this bank, giving us so much money for free? Isn't this money circulating around and still in their bank? They still have to pay us back."
"Anyway, it doesn't matter whether the bank is losing money or not, as long as we are making money..."
Ye Yaodong didn't dare to go into too much detail. Now he said three years, but he has actually been saving for five years!
He looked at his watch and said quickly: "Ah, let's not say it. It's too late. I have to go to the dock to collect the goods. The fishing boat will be back soon. Let's do this for now. When I finish collecting the goods, I can save the money when the time comes.
Call you..."
"Oh, okay, then hurry up and collect the goods. It's important to receive the goods. You can tell me after you deposit them."
"Okay, I'll let you know when I save it, then hang up first."
He had managed his time well, and after making the phone call, he took the workers to the dock to receive the goods.
In this way, when the time comes, you can just hang up and let her digest it alone. Later, he will call back and say that the money has been deposited and that he thinks 5 years is more cost-effective.
Anyway, I only saved two years longer than expected. I already have so much cash at home, and having another 200,000 cash in hand will not increase its usefulness.
Just keep this money to give yourself a way out.
He feels that at his current rate of making money, 200,000 yuan only takes one month, and his assets can double again this year, and it doesn't matter if he saves for two more years.
It was just that he had already saved it in advance to prevent her from having anything to say, so he took a roundabout way.
Wait for him to call me in two days and tell me that he has been saving for 5 years and tell me about a lot of free gifts, so there probably won't be much noise.
This cannot be regarded as his killing first and showing off later.
He was notified in advance, and then he compared it himself!
You get 130,000 for free, why don’t you want it?
He had informed him anyway, so what if he had to make the decision on such a trivial matter?
Who keeps calling his wife to ask for advice?
After Ye Yaodong hung up the phone, he felt that he was so smart and had avoided another family conflict!
The general was out and the military orders were not obeyed. You can't blame him for always killing first and then reporting. I thought of course and went ahead to do it.
"President Ye is always happy after making phone calls."
Ye Yaodong suppressed the smile on his face, "Of course I'm happy to call my family."
"Why did I think you were a little nervous when you first called me? Haha, did you spend 50,000 yuan to buy land and didn't let your wife know?"
"It's such a big deal, just call her and tell her. She supports everything I do. When I told her just now, she didn't say anything. She just said it was my decision."
"so good?"
Jin Laixi was a little suspicious because he obviously had a flattering tone when he spoke on the phone!
"Of course, she said she didn't understand this and just listened to me."
"If it were my wife, she would be scolded to death."
"Then you have to have 50,000 yuan. If you want a total of 50,000 yuan, and you use all of it to buy land, wouldn't you be scolded to death?"
"It must be President Ye's strength that makes his wife afraid to say anything."
Ye Yaodong couldn't help but straighten his back, "That's not true. My wife just believes in me. She supports everything I say, but she takes care of all my good wives at home."
"very nice."
"Stop talking, I have to go back and take the workers to the dock to wait for the fishing boat to come back and deliver the goods to you in the evening."
"OK."
Ye Yaodong walked out briskly.
The workers at home are waiting, the other fishing boats have not returned yet, and his land purchase has not caused a big uproar yet.
The sun had just set, the fishing boats had just returned and they still had to sell goods. No one got home so early, and it was already dark before the essential workers came back.
But after he finished collecting and delivering the goods, news spread to all the fishing boats that he had spent 50,000 to buy another land, and everyone was shocked.
As soon as Ye Yaodong entered the door after selling the goods, he heard the commotion inside, and everyone seemed to be talking about it.
"A Dong is back..."
"Dongzi..."
"Did you buy another piece of land?"
"Ang, that's right. It's not safe to keep the money in my hands, so I used it to buy land. I also deposited any leftovers in the bank. This way, I don't have any money lying around, and I feel at ease."
He also said this to everyone.
As the saying goes, people's hearts can't stand the test, and people have to know that they don't have much money at hand.
"Deposit in the bank?"
"Yes, the interest rate is quite high."
Ye Yaodong told everyone about the bank's deposit interest rate and also told everyone that it was the bank from which he took a loan last year.
It's up to everyone to decide what they think. Anyway, it's up to them to decide whether they will follow what they do or not.
Or you can keep a current account and withdraw it when you get home a few days later. It's also good for everyone. It's better than nothing.
People have this kind of mentality. When they don’t try something, they are always worried about various risks and accidents.
After you actually do it, you will feel it smells really good...
I would also like to share Amway with the people around me.
"Is this... safe and reliable? We have never saved any money in our lives, and we don't have much money to deposit in the bank..."
"Then I can't guarantee it. You can ask it yourself when you have free time. Anyway, I deposited it directly."
"It should be reliable. Didn't we all remit money back through the bank before? We all received it at home."
"State-owned banks should be trustworthy, right?"
"I have never deposited money in the bank..."
Everyone was talking to each other, and they were all very excited about the interest rate, which was much higher than the interest rate on their private loans.
After Ye Yaodong finished speaking, he went into the house, collected the money and receipts, and then went to fetch water and take a shower.
However, everyone still followed him and asked questions.
"You can see for yourselves. Anyway, I'll be back in just half a month."
"Yeah, I'll be back in just half a month, don't worry about it yet."
Someone said something, and others echoed it, but it was really hard for an honest person, who had never deposited money in a bank in his life, to suddenly find it difficult to turn around.
Ye Yaodong casually discussed with them.
His cousins ​​came over to ask him while he was rinsing, but he just let them make up their own minds.
Because he directly deposited a sum of money on a regular basis for 5 years, and he also borrowed 200,000 from the bank, with one in and one out, for him, the interest is pure profit.
Therefore, this has little reference value for them. It depends on their personal wishes, risk tolerance, and the trust of the bank.
Ye Yaodong listened to their discussion while taking a bath without expressing an opinion.
"Otherwise, when you are free, or when you need to remit money back, you can stop by the bank and ask. The bank will tell you more clearly."
"We thought we could go back right away without having to worry about it. We'd wait until the next trip comes and we'll have a lot of money left on hand to think about it again."
"Yes, in fact, we are surrounded by our own people, and we all carry our money with us, so there is nothing to worry about."
"The main thing is to go back soon..."
"I heard you say that you deposit your money in the bank and the interest rate is very high, so everyone is curious."
He nodded, "It's normal to be curious. If you're interested, just go find out with a few people, and then you can discuss it."
"Why."
Ye Yaodong casually discussed with them. After taking a shower and washing his clothes, he hung them up at the door and then went into the house.
Today I received a large sum of money, and I have to hide it again.
Check out the correct version one by one!
After only a few days of relief, I started to worry again.
However, now that everyone knows that he has deposited the money in the bank, he feels safer in his heart.
After counting the money that was entered today, he couldn't help but take out his passbook, deposit slips, and land records to look at them. Several items were placed flatly on the mat.
He muttered words and reached out to fiddle with those things.
"200,000 plus 50,000, plus 65,000, and today it's 16,000..."
"These... 300,000 yuan are mine... I've made a lot of money!"
The more Ye Yaodong looked at it, the more delighted he became.
When he had seen enough, he was satisfied and put the things in the lock box, and hid the money separately everywhere.
I was thinking in my mind that I would call back after two days and tell him that I had saved the money for 5 years. Then I said that I had saved another 100,000 yuan, and I might have another 200,000 yuan when I went home at the end of the month.
If you report a little more to her, you will feel that you already have so much, and it doesn't matter if you save half of it on a regular basis.
With the plan in place, he could sleep peacefully.
Early the next morning, Ye Yaodong was woken up again by the noise of everyone talking.
There was obviously noisy at night, why is it still so noisy early in the morning?
Ye Yaodong got up sleepily and asked, only to find out that it was windy today and the boat came back just as it went out.
He lay down again and took a deep sleep. When he woke up, the radio also broadcast that the sea wind level had reached level 5.
Everyone is also talking about just two days of rest.
And while he was having breakfast late at night, people who had been out strolling early in the morning also ran back excitedly and shouted.
"The deposit interest rate that A Dong said yesterday is true. We asked the bank people to give us an interest rate sheet for time deposits. You can also take a look."
The person who came back shouted, and everyone gathered around him curiously.
"Is it really that high?"
"We can send money to our home, which shows that we are reliable. How can we deceive people..."
"The people at the bank said that if you deposit regularly for 5 years, your deposit can be doubled!" The speaker was very excited.
"Really or not?"
"This is a state-owned bank. Is it still fake? It must be true."
Ye Yaodong was eating, and he also pricked up his ears to listen.
Double it? No?
He did some math that day and found out that he could get an increase of 70% in 5 years?
He continued to listen.
"... As I said, in addition to interest rates, there is also a value preservation subsidy rate... This, this says, a value preservation subsidy rate..."
Ye Yaodong stopped chewing the dried radish in his mouth!
Value preservation subsidy rate?
What?
Why didn't he know there was this thing? Why didn't you tell him at that time?
"Wait a minute, Lao Zhou, what value preservation subsidy rate are you talking about? What is it? How can I tell you this?"
Lao Zhou scratched his head and said, "What do you want me to say? I know how to listen but not talk. There is even a subsidy that can double the five-year time deposit."
"Damn it, why didn't you tell me?"
"Didn't I tell you?"
"Damn it, the more beautiful a woman is, the better she is at lying!"
"Isn't it? Haven't I told you, Brother Dong?"
Ye Yaodong put down his bowl and chopsticks directly, unable to eat any more.
"Tell me a few words. If you didn't tell me, I'll ask again. Can you please repeat to me what I told you?"
"We understand, but we can't explain it. Anyway, there is a subsidy that can double your savings."
All of them only knew that there was a subsidy. They couldn't explain it, they only vaguely understood the general meaning.
Ye Yaodong could only ask more clearly by himself.
"I'll go ask."
"Yes, you'd better ask yourself and be clear about it. If you really let us talk, what if we make a mistake? You are not a small number."
He nodded, went inside first to get his bankbook, and then went to push his bicycle, cursing in his mind.
When he arrived at the bank, his bike was almost spinning out of sparks, Shen Ming'e was not there either. He showed his passbook and his deposit slip, and the staff immediately explained to him.
The value preservation subsidy rate means that when the price rise exceeds the time deposit interest rate provided by the bank, in order to ensure that depositors' funds will not depreciate due to inflation, the bank, in addition to paying interest according to the prescribed interest rate, also needs to pay additional money according to the value preservation subsidy rate.
Depositors pay an amount.
And his savings are also included and will not be lost because of lack of explanation.
When he was making a deposit, he also filled out a savings slip, and he also had a receipt. He thought it was nothing, so he didn't read it carefully.
Who could read the densely packed words on it so carefully? He thought he could just listen to Shen Ming'e's explanation.
After understanding it clearly, Ye Yaodong also breathed a sigh of relief, just leave it to him.
If this was not given to him, he would have lost a lot of money!
If you save 200,000 yuan, the interest rate will be more than 130,000 yuan, which is equivalent to a value preservation rate subsidy of more than 60,000 yuan!
This is a huge amount of money!
Who would mind having too much money?
Shen Ming'e was really half-assed. No wonder when she was asked about the interest rate, she had to go to the office to get a list to read.
He just said, which bank employee is so unclear about the deposit interest rate, or the business manager, who still has to pick up the order and take a look at it...
At that time, I was a little doubtful about my professional ability. I was blinded by Director Shen’s filter and became gullible. Fortunately, I had everything I should have.
He also asked for a new business manager on the spot, but was told that he could not change. Anyway, if he came to consult with someone, there would be someone to receive him, so he had no choice but to give up.
Anyway, it was confirmed that he had the value preservation subsidy rate, so that would be fine, and he would go back satisfied.
But halfway through, he thought he was out anyway, so he rode to the Chamber of Commerce again, planning to call Ah Qing to talk.
Now there is another value preservation subsidy rate, which is even more convincing.
Sure enough, Lin Xiuqing was surprised when she heard that he could save for five years, but when she heard that she could double her savings in five years, she stopped talking and listened patiently to what he said.
"If you're reliable, that's okay... I have a lot of cash at home, and it's a bit hot for me to hold."
"Then since you have already saved 200,000, then save it, and then if it doubles in five years, we will save it again."
"It's better than keeping it at home all the time. It's just a test. The state-owned bank should be safe too. We all still owe it 200,000 yuan."
Ye Yaodong felt relieved, "Yes, I think so too. At most, we can pay it back after maturity, and the deposit will still be there to earn interest. It may be doubled in five years. It is better than leaving all the cash in the bank."
Strong hands."
"200,000 is not too much for us now. Let's just give it a try. Generally speaking, there won't be any surprises. Just leave it there with peace of mind. Anyway, I will check it every few months."
Lin Xiuqing responded gently, "Okay, just watch it. Don't save anything else yet. Saving 200,000 is enough. I'll be back in a few days. If you have any leftovers, just bring them back."
"There is still more than half a month left. If there are no accidents, I expect there will be another 200,000 left. Anyway, at least 100,000. We will see when the time comes."
Lin Xiuqing was dumbfounded, "You are a bit too profitable..."
"The main reason is that I have many ships, and this is also a cost investment. If I don't have so many ships, how can I make so much money? When I bought the ships in the early stage, you all still called me seven or eight."
"Isn't that uncertain? Just think that we already have a ship, there is no need to do so many things."
"It's all money. Why do you think banks have a value preservation subsidy rate? It's not that it's easy to make money by investing now. With a period of 5 years, if it doesn't double after 5 years, it's better to deposit it in the bank. Deposit money in the bank, bank
If you invest it, you will definitely earn more."
"Okay, I don't understand this. Anyway, you bought all the boats you should buy, and you haven't heard a word from us."
"Fortunately, I didn't listen to you. I bought so many ships despite all the opposition."
Lin Xiuqing was speechless again.
"I will listen to you from now on."
"That's right."
"No, haven't I always listened to you? You always have a lot of reasons to persuade me, and I always listen to you. There is no time to listen to me."
"Okay, I just need to let you know about the deposit. I'll call you to let you know when I'm sure to go back in a few days."
"good."
Done it again.
Which man is better than him? After making a decision or doing something important, he still thinks about informing his wife.
Look at those who are playing cards, who is telling his wife this? At most, he can send some living expenses back regularly, and then report that he is safe.
Chapter completed!