As the saying goes: the country is easy to change, and the disposition is difficult to move. When Xin Shandian was young, he talked and talked, and did things as he pleased. Now that he's retired, he's still obstinate in talking and doing things.
When he first retired, he was not willing to be lonely, and took five thousand yuan and jumped into the sea of shares. The information in the stock market is changing rapidly, xin Shandian has always been grinning and does not care, so whether he eats in or throws, the action is always slower than others: people's good-earned stocks, when he goes in, he will be trapped; people's unwinding stocks, when he throws them, he has to cut meat. In less than half a year, five thousand yuan has been eroded three thousand yuan, and the remaining two thousand yuan of stocks have been set to death and cannot come out.
His son, Xin Xuelin, once advised him: "Dad, you are older, you are still peaceful, rest at home." "What's that?" I just retired, you think I'm old and useless? Xin Shandian has been able to do it since he was a child, and he has the temper of not buying it when he is alive and dying, and he is determined to earn back three thousand yuan!
A few days later, Ah San, a self-employed aquatic farmer, told him that hairy crabs had made money this year. He took out another five thousand yuan from the bank, went to the edge of Yangcheng Lake, hired a car, and transported the full truckload of hairy crabs to Shanghai. Who knows that when loading the car, the hairy crabs are only alive, and when they get to Shanghai, they all become dead crabs. No one wanted the dead crab, and his five thousand yuan was all dumped in the garbage can. He thought that this time his son would definitely count him down. Who knew that Xin Xuelin went in and out without a word, and his face was full of disdainful looks, as if his old man was already incorrigible and hopeless, and it was superfluous to talk to him again. This made Xin Shandian feel so uncomfortable in his heart. Two tosses, the loss of nearly 10,000 yuan, not only heartache money, but also mentally hit by Mo Dadi. Since then, he has become taciturn and cautious in his work.
One day, his brother's son, Jiang Defa, came to his house and went straight to the point and asked him to borrow money. When Xin Shandian heard about borrowing money, his heart fluttered. Last year, his home was demolished, and the relevant departments compensated him with 100,000 yuan, which he deposited in the bank and has never been used. It is reasonable to say that the master and nephew began to borrow money, and the money should be lent to him. But in today's society, lending is too risky. "Yang Bailao" is all more powerful than "Huang Shiren", the debt collector is like a grandson, and the debtor is a grandfather. If the money lent out becomes a meat bun for beating a dog, he will not be able to answer to his son if he does not return it. Besides, the 100,000 yuan deposit was in the hands of his son, and it was better to have more than less, so he turned around and called his son out and let him deal with it.
Unexpectedly, Xin Xuelin heard that Jiang Defa had come to borrow money, and he was very happy and asked, "How much to borrow?" ”
"Eighty thousand yuan."
"How long?"
"I have a batch of goods to enter, and the next home also has a landing, nothing more than to change hands, faster ten days, slower twenty days, will never exceed a month."
"How much is interest?"
"Eight thousand a month. Less than one month, counted as one month. ”
Xin Shandian sat on the side and listened with some excitement, eight thousand a month! And less than January is counted as January. In other words, if he lent him eighty thousand dollars, whether he borrowed it for ten days or twenty days, he would have to pay eight thousand dollars in interest, which was several times higher than the bank interest. He lost eight thousand yuan when he speculated in stocks and sold food, and he could make up for it. His heart was hot, he stood up, and was about to speak. Xin Xuelin said, "Daddy, how do you make Brother Defa drink boiled water?" I have a dragon well in my room, you go and bring it, let Brother Defa taste it..."
Xin Shandian understood that his son was supporting himself, and thought to himself, I didn't want to meddle in this matter, and if I got it right, I could earn eight thousand yuan; in case the German and French operation failed and I lost money, I couldn't do it? At that time, I and Father Defa were brothers and sisters, and I was in love with each other, hindering my face, wanting to please and unable to export, wouldn't the eighty thousand yuan be in vain? This money is the last money in the family, and if there is any mistake, it cannot be made up for inside and outside the embankment. He brewed a cup of Longjing tea and sent it to his nephew Jiang Defa, only to hear his son Xin Xuelin say: "Defa, the monthly interest rate of eight thousand is too high, such a high interest, I feel a little hot." ”
Xin Shandian thought that his son did not want to borrow it, so he interjected: "Defa, this interest is quite tempting, but unfortunately it is difficult for Qiao's wife to cook without rice, my uncle can't come up with this eighty thousand yuan, so he has to ask you to run in vain." ”
Xin Xuelin interrupted him: "Dad, you have retired, and your memory has obviously declined. Doesn't our family have a 100,000 yuan certificate of deposit? Brother Defa is not an outsider, you and his father are brothers. You often say that my family used to have a more difficult life, thanks to the fact that The master often came to help us in the village, and a person knew that he wanted to repay the favor. Today, brother Defa came to borrow money, don't say to repay, even if we don't pay it back, we should help each other. ”
"Words are heavy, words are heavy."
Jiang Defa repeatedly said, "I will not exceed the twenty-third day of this month at the latest, and pay it all off." ”
He said that he was going to leave them an IOU. Xin Xuelin suppressed his hand and said, "Brother Defa, we were brothers in the last generation, and we borrowed money between our brothers to write an IOU. You sit, I'll give you money to go to one."
With that, Xin Xuelin left. Xin Shandian stood aside and shook his head straightly, thinking: This son is even more sloppy than himself, and his brothers are even more clear in settling accounts, so why not set up an IOU when borrowing money? Now the son has a word first, he then asked Defa to write an IOU, it seems that he can't say it, alas, it seems that after the eighty thousand yuan flies away, the son will learn the lesson like himself. At this time, Xin Xuelin took out a 100,000 yuan regular deposit certificate from the inner room and said to Jiang Defa: "This certificate of deposit has not yet matured, if it is withdrawn in advance, the interest loss is too large, fortunately, the bank has a mortgage loan, I will mortgage the deposit certificate, and lend you eighty thousand yuan in cash." ”
"Then you still have to pay interest to the bank?"
"You and my brother, what do I get when I pay you some interest?"
"No, no, no! I came to borrow money this time, and my father told me that Uncle Shi had retired, and the last two businesses had lost nearly 10,000 yuan. So you go to the bank for a loan, and all the interest goes to me. ”，
Xin Xuelin advised him to sit for a moment and turn around to take out a loan from the bank. Now the bank's mortgage loan, the procedure is very simple, within an hour, Xin Xuelin took 80,000 yuan in cash back and handed it to Jiang Defa. Jiang Defa asked for the bank loan contract, saw the loan interest rate, the original 80,000 yuan loan for a month, the bank only charged more than 400 yuan interest. Jiang Defa felt for five hundred yuan on the spot, paid the interest first, and then got up and resigned.
As soon as Jiang Defa left, Xin Shandian blamed his son: "Why don't you give me any face in front of the guests?" When the German and French face said that my memory has declined, am I retired, is it really useless? ”
"I'm negotiating with German and French, what are you going to do when you step in?" What else do you say that we can't come up with eighty thousand, and ask people to run in vain, are you calling huazi? ”
"Xuelin, your father eats a grain and grows a wisdom." Don't think that his name is Defa, he must have the Fa. In case of lawlessness, the eighty thousand yuan will be in vain. ”
"Dad, the gap between me and you is here, you don't shoot when you should shoot, and you force your hand when you shouldn't." How can you not lose when you speculate in stocks like this? My loan this time, to be honest, is three fingers pinch the field snail a steady earner! ”
It turned out that Xin Xuelin was very well informed, and he had learned about Jiang Defa's company. Jiang Defa used to work in a steel factory, but later resigned and opened a small company that could run steel. Because he is familiar with all steel mills, he can often get the steel at a preferential price, and because he knows how to do it, the quality of the steel is firmly controlled, so the steel sold by his company is low-quality, good reputation, and many customers. Later, his father retired, he immediately hired him as a salesman, and after his father joined the sales, he brought a number of new customers, so he became bigger and bigger in the market, and his liquidity seemed to be stretched. When a customer asks for a set of goods, he has to find someone to borrow money. "Dad, eighty thousand yuan is a drizzle for him, if we integrate all the hundred thousand yuan into their assets, participate in their operations, and dividends at the end of the year, there will be more than eight thousand yuan of interest..."
After Xin Shandian listened to what his son said, his eyes lit up and he was ready to throw all 100,000 yuan into it. He exclaimed heartily: "Blue is better than blue, I should retire..."
Xin Xuelin did not buy it: "Father, you are a well-known Ma Daha and careless person, and my blue is not out of the blue of your thick words." ”
"I'm a little careless, what about you?" Thick and thin, all belong to the family of this 'thick' word. Your blue still comes from my blue. ”
Although both father and son are optimistic about Jiang Defa's company, but the eighty thousand yuan has been taken away, whether they can come back on schedule, both father and son are worried. Especially Xin Shandian, he was holding his finger to live a life, seeing that twenty days had passed, and in three days it would be twenty-three days, he asked his son: "Do you want to make a phone call to remind you?" ”
Xin Xuelin was afraid of provoking Jiang Defa, and would no longer borrow their money in the future, wouldn't this 100,000 yuan become dead money? So don't let his father go to the urging. On the evening of the twenty-second day, when the father and son were about to eat dinner, Jiang Defa took a bag of yuan wrapped in newspaper and put it on the table, saying: "This is eighty thousand yuan." Saying, he felt out the fifty yuan ticket with the waistband sealed by the second knife, and he drew 40 tickets from one of the knives and said to Xin Shandian: "Uncle, this is interest, a total of eight thousand yuan, you click." ”
Xin Shandian took the ticket and was preparing to count the points, when Xin Xuelin snatched it up and said, "Brother Defa, the eighty thousand yuan is still coming, will it still send us a few interest money?" ”
Xin Shandian understood his son's intentions. In order to make the 100,000 yuan banknote alive, he wanted to keep Jiang Defa for dinner, but he did not expect that Defa had a meal to socialize with, and hurriedly resigned. As soon as he left, Xin Shandian took out the paper bag and planned to count the eighty thousand yuan bills. Xin Xuelin counted down his father again: "You see, every stack of banknotes has a bank loin, bundled into bundles, all of them are thousands and thousands, what else do you order it for?" Unless you suspect it has counterfeit money. Even if there is counterfeit money, we can't tell, or when the loan is repaid tomorrow, let the bank comrades count it. With that, he picked up his glass and confronted his father...
The next morning, when Xin Xuelin went to work, he put 80,000 yuan in cash into his bag and prepared to repay the loan at the bank during his lunch break. Xin Shandian saw it and said, "It's not safe for you to bring money to work, go to the bank to repay the loan, I go, after all, I don't have dementia, these things can always be done." ”
"Okay, you pay it back and get my mortgaged certificate of deposit back."
After his son left, Xin Shandian came to the bank, found Manager Dai of the personal finance department, handed over a loan contract of 80,000 yuan, and Manager Dai took the banknote to the money counter to rush the point. After a while she came over and asked, "Old man, how much money do you give me?" ”
"80,000.".
"Where did you get this money?"
"There is counterfeit money?"
"No, the numbers are not right." Xin Shandian heard that the numbers were not right, his heart was hairy, it was all bad for his son, last night he wanted to count it, he wouldn't let it. Now the number is not right, go to Jiang Defa to settle the account, he does not recognize the account, what to do: he said: "Comrade, this money is a friend to pay me back, when he returned to me as our face, my son also clicked again, in the morning before I went to the bank to order again, will not be wrong." ”
"How can it be good? And the difference in figures is not a little bit..."
"Then you give me back the money."
"No, the number of money is not right, you ask your son to come in person" Xin Shandian could not hear this sentence the most, and asked his son to come, indicating that he was not useful: "Well, if you don't pay back the money, return the deposit certificate that my son sent to you." ”
"Old man, the money you still have is not counted, and the repayment procedures cannot be processed, so how can we give you the certificate of deposit?" You go home and tell your son to come. "Xin ShanDian really hates it, is he really accomplishing nothing?" This bag of banknotes is not let me count by my son, but its old hen has a disease in her blisters, can you blame me? He had no choice but to hang up the phone with his son. Xin Xuelin was furious when he heard it: "Father, this is impossible, and the German and French eighty thousand yuan have also returned, how can you smoke a few sheets?" ”
"The bank comrades said that the difference in numbers is quite large."
"Nonsense. I originally did this myself, but you rushed to do it, and then there was an accident. ”
He counted down and hung up the phone. Xin Shandian thought, "What evil have I done?" Go home, fall asleep.
"Ding-dong, ding-dong..." Suddenly, the doorbell rang continuously, Xin Shandian thought that his son had rushed in a rage, opened the door and looked at it, but saw Jiang Defa standing in front of the door with sweaty head and his face like earth, and before anyone entered the door, he stuttered and asked: "Uncle Master, did I still have the money to pay you back last night?" ”
"I'll send it to the bank."
"It's over, this money is not right!"
"What's wrong?"
The doorbell rang again, and Manager Dai came to the door: "Old man, is your son at home?" I'll check on you for this money. ”
Xin Shandian pointed at Jiang Defa and said, "The money is still ours, and he also said that the money is not right." ”
Jiang Defa saw that the comrade of the bank also came, and said busily: "This money is mine, I was yesterday..."
He was just about to speak, xin Xuelin also came home in a hurry, and when he saw this face, he asked, "What the hell is going on?" ”
Jiang Defa said: "Yesterday I withdrew four hundred thousand from the bank. The bank gave all the fifty yuan bills, I think the face is small, in exchange for two hundred and one hundred yuan bills. After I went home, I took the money on the face of the hundred yuan as fifty yuan, and returned you eighty thousand yuan, but gave you sixteen stacks, and the newspaper was packed with sixteen thousand ah...
"Sixteen thousand?" The Xin father and son were shocked, and Manager Dai smiled at this time: "Yes, old man, you gave me 160,000, but you said that all three of you have ordered it." So, I don't dare give you the money back..."
"O son! It seems that you are grinning, sloppy, and your temper will change. ”
"Blue is better than blue."
Hahaha, both father and son laughed.