Back to the small fishing village in 1982

Chapter 1380 Solution
"Well, then let's just save money. At least the money has been spent and the land is still there. At worst, I can use it to build houses and rent them out."

"Yes, that's what I thought. After all, if we buy the land, it will be ours. At least it's safer to exchange cash for real estate."

"Well, okay, how much money do you have left?"

"Well, I...'plan' to deposit 20 yuan in the bank."

Lin Xiuqing was puzzled, "Why do you want to deposit it in the bank? Last time you said that you could remit it back, but the bank might not be able to withdraw the money? Why are you still depositing it? If there is no guarantee that the money can be withdrawn, what are you still depositing?"

Ye Yaodong smiled and said, "Haha, I still say that it's not safe to keep money with you. A few thousand dollars can buy a life. If I keep hundreds of thousands of dollars with me, I will be the fattest sheep."

"Besides, the interest rate of the bank is high. Think about it, don't I still owe the bank 20 yuan? If I deposit it in the bank and don't withdraw it, I won't lose money, right?"

"We can just consider this as paying the money back to the bank, and we can even earn some interest before we pay it back!"

"Do you know how much the interest is? The annual interest rate for a three-year fixed deposit is 11.68. 20 is equivalent to 23360 a year. If we keep it for three years, we will make 7 yuan for free! It's a guaranteed profit!"

Ye Yaodong did not dare to calculate it for her for five years, but only for three years. After all, the loan was only for three years, and it had been almost a year since she had started paying it back.

Lin Xiuqing exclaimed in surprise, "So much! The bank gives so much interest?"

"Yes, if there is not so much interest, do I need to save it?"

"What's the purpose? They loaned you 20 yuan without interest, and then you deposited the 20 yuan and got 7 yuan in interest? Isn't that stupid? They're just giving you money for free?"

"That's right. You can't say it's stupid. You should say it's magical. That's the rule."

"Have you ever been cheated? Can you trust me? There are a lot of scammers out there..."

"No, it's a state-owned bank. The bank that gave me the loan has already given me 20 yuan. What am I afraid of?"

"Then it really is... giving you money for free? How can it be so magical? If everyone can take out a loan and then deposit it back, wouldn't that be equivalent to giving you money for free?"

Lin Xiuqing thought this was unbelievable, so she just gave them tens of thousands of dollars for nothing?
"But think about it, how many ordinary people dare to borrow money from banks now? Not to mention borrowing tens of thousands? Even if you dare to borrow, the bank will not lend you money. You need proof of work, proof from your employer, and proof from the village. Even with that, you can only borrow tens of millions of yuan. You also need to have large assets before they can lend you more."

"That's true."

"So I will deposit it in two days, so I don't have to worry about keeping it with me. Anyway, I can earn interest by putting it in, so I can rest assured with a state-owned bank."

"That's fine. Anyway, we still owe it 20 yuan. You can deposit 20 yuan into it and use it to offset the amount when the time comes."

Naive.

There is no deduction. You still have to pay it back. It will remain there and can only be withdrawn when it matures.

"Okay, it's up to you."

"What do you mean by listening to me? It was obviously you who suggested it."

"I only saved the money after you agreed to it. Anyway, we can make a profit. It would be even better if we can save it for 5 years. Do you know how much interest we can get after saving it for 5 years?"

"How many?"

"I can get 5 back in 14 years."

"Ah? So much... What does this bank want? Why is it giving us so much money for free? Isn't the money still in their bank after all the money has been circulating around? They are even paying us."

"It doesn't matter if the bank loses money or not, as long as we make money..."

Ye Yaodong didn't dare to say too much. Now he said it was three years, but in fact he had been saving for five years!

He checked his watch and said quickly, "Ah, forget 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. After I collect the goods, I will find time to deposit the money and call you then..."

"Oh, all right. Then go get the goods quickly. Getting the goods is important. Tell me after you've deposited them."

"Okay, I'll tell you when I save it. I'm hanging up now."

He had calculated the time well, and after making the call he took the workers to the dock to pick up the goods.

This way, he can just hang up when the time comes, leaving her to digest it on her own. Later, he can call back and say that the money has been saved and that 5 years is more cost-effective.

Anyway, it's only two years longer than expected. There's already so much cash at home, and keeping another 20 in cash won't increase its usefulness.

Just keep this money there as a way out for yourself.

He felt that at his current rate of earning, 20 would only take a month, and his assets could double again this year, so there would be no problem in saving for two more years.

It was just that he had already saved it in advance, and in order to prevent her from saying anything more, he beat around the bush.

If he calls again in a couple of days and says he has saved for 5 years and mentions a lot of gifts, he probably won't make much noise.

This can't be considered as him acting first and reporting later.

He was also informed in advance, and then he made the comparison himself!

You can get 13 for free, why not take it?

He has informed me anyway, so what's wrong with me making the decision on such a small matter?
Who keeps calling his wife for instructions?

After hanging up the phone, Ye Yaodong felt that he was really smart and he had avoided another family conflict!
When a general is away from the army, he may not obey military orders. We can't blame him for always acting first and reporting later. He will just do what he thinks of first.

"President Ye is always happy after every phone call."

Ye Yaodong restrained the smile on his face and said, "Of course I am happy to call my family."

"Why did you seem a little nervous when you called me just now? Haha, did you not tell your wife about spending 5 yuan to buy land?"

"It's not a big deal. Just call her and tell her. She supports everything I do. I just told her about it, but she didn't say anything. She just said it's my decision."

"so good?"

Jin Lai Xi was a little suspicious because he clearly spoke in a flattering tone when he was on the phone!

"Of course, she said she didn't understand any of this and just listened to me."

"If it were my wife, she would scold me to death."

"That would require you to have 5 yuan. If you only have 5 yuan in total and you use it all 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, "No, my wife just trusts me more. She supports me no matter what I say. But she is my good wife and she takes care of everything at home."

"very nice."

"I won't say any more. I have to go back and take the workers to the dock to wait for the fishing boat to come back. I will deliver the goods to you in the evening."

"Ok."

Ye Yaodong walked out with brisk steps.

The workers at home were waiting, the other fishing boats had not returned yet, and his purchase of the land had not caused any commotion yet.

The sun has just set and the fishing boats have just returned to sell their goods. No one gets home so early, and it is basically dark when the workers return.

However, when he received and delivered the goods, the news that he had spent 5 yuan to buy more land spread to all the fishing boats, and everyone was shocked.

As soon as Ye Yaodong walked in after selling the goods, he heard a lot of noise inside. It was obvious that everyone was talking.

"Adong is back..."

"Dongzi..."

"You bought land again, Dongzi?"

"Yeah, that's right. It's not safe to keep the money in my hands, so I used it to buy land. I also put the remaining money in the bank. This way, I don't have any money on me, and I feel at ease."

He also said this to everyone.

As I said, human hearts cannot stand the test, and people have to know that he doesn’t have much money.

"Deposit it in the bank?"

"Yes, the interest rate is quite high."

Ye Yaodong told everyone about the bank’s deposit interest rates and also mentioned the bank from which he took out a loan last year.

It’s up to everyone to decide what they think. Anyway, that’s how he did it. He just said it, and it’s up to them whether they follow it or not.

Or you can deposit the money in a current account and withdraw it when you get home a few days later. This is also good for everyone and is better than nothing.

People have this kind of mentality. Before they try to do something, they are always worried about various risks and worried about what accidents may happen.

When you really do it, you will feel it smells really good...

I will also think about sharing Amway with people around me.

"Is this...safe? Is it 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 when you are free. Anyway, I deposited it directly."

"It should be reliable. Didn't we send money back through the bank before? The money was received by our family."

"State-owned banks should be trustworthy, right?"

"I never put money in the bank..."

Everyone started talking about it, and they were all tempted by the interest rate, which was much higher than the interest rate of private loans.

After Ye Yaodong finished speaking, he went into the house first, put away the money and receipts, and then went to get water to take a bath.

However, everyone still followed him around and asked him questions.

"You can see for yourself. It will only take half a month for me to go back."

"Yeah, I'll be back in half a month, so don't bother with it for now."

Someone said, and others echoed him, that it was really hard for an honest person who had never deposited money in a bank in his life to suddenly turn around.

Ye Yaodong let them discuss it as they pleased.

His cousins ​​came over to ask him while he was washing, but he just let them make their own decision.

Because he made a regular deposit for 5 years, and he also borrowed 20 yuan from the bank. With the inflow and outflow, the interest was pure profit for him.

Therefore, this is of little reference value to them. It all depends on their personal willingness, risk tolerance, and the trustworthiness of the bank.

Ye Yaodong listened to their discussion while taking a shower, but did not express any opinion.

"However, when you are free, or when you have money to remit, you can go to the bank and ask. The bank will be able to explain it to you more clearly."

"We thought we could go back right away without any trouble. We'll consider it when the next trip comes and we have more money left."

"Yeah, in fact, everyone around us is our own people, and we carry our money with us, so there's nothing to worry about."

"The main thing is that I'm going back soon..."

"It's only because you said you deposited your money in the bank and the interest rate was very high that everyone became curious."

He nodded, "It's normal to be curious. If you're interested, go and find out with a few people, and then you can discuss it."

"Hey."

Ye Yaodong let them discuss as he finished his shower and washed his clothes, then hung them at the door and went into the house.

I received a large sum of money today and I have to hide it again.

After just a few days of relief, I started to worry again.

However, now that everyone knows that he has deposited his money in the bank, he feels a little safer.

After counting the money that came in today, he couldn't help but take out the passbook, deposit slip and land registration document and looked at them. These items were neatly placed on the mat.

He muttered something and fiddled with those things with his hands.

“20万加5万，再加6万5，今天又1万6……”

"These... 30 are mine... I'm making a fortune!"

The more Ye Yaodong looked at it, the happier he felt.

After he had seen enough, he contentedly put the things into the safe and hid the money in different places.

I was thinking to myself that I would call back in a couple of days and tell them that I had saved the money for five years, and then tell them that I had saved another $5, and by the time I go home at the end of the month, I might have another $20.

If I report a larger amount to her, she will feel that she already has that much money and it is okay to deposit half of it in a fixed deposit.

Only after everything was planned out could he sleep peacefully.

Early the next morning, Ye Yaodong was awakened by the noisy voices of everyone talking.

There was clearly some noise 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 as soon as it went out.

He lay back down and took a nap. When he woke up, the radio was reporting that the sea wind had reached Level 5.

Everyone is also saying that it’s a good time to take a two-day break.

And when he was having breakfast late at night, the people who had gone out for a stroll early in the morning also ran back excitedly and shouted.

"The deposit interest rate that Adong mentioned yesterday is true. We asked the bank to give us a time deposit interest rate statement. You can take a look at it."

The person who came back shouted, and everyone swarmed over with curiosity.

“Is it really that high?”

"We can remit money home, which means they are reliable. How could they cheat us..."

"The bank said that if you make a regular deposit for five years, your deposit can double!" The person who spoke was very excited.

"real or fake?"

"This is a state-owned bank. Could it be fake? It must be real."

Ye Yaodong was eating and he pricked up his ears to listen.

Double? No?
He calculated that day, wouldn’t it be possible to increase by 5% in 7 years?
He continued to listen.

"... I told you that in addition to the interest rate, there is also a value preservation subsidy rate... It's written here, the value preservation subsidy rate..."

Ye Yaodong stopped chewing the dried radish in his mouth!
Value preservation subsidy rate?

what's that?
How come he didn't know about this? Why didn't I tell him about it?

"Wait, Lao Zhou, what value preservation subsidy rate are you talking about? What is that? How did I tell you?"

Lao Zhou scratched his forehead and said, "What do you say to me? I will listen, not talk. But there is a subsidy that can double the five-year fixed deposit."

"Fuck, why didn't you tell me?"

"Didn't I tell you?"

"Damn it! It turns out that the more beautiful a woman is, the more likely she is to lie!"

"Really? Didn't I tell you, Brother Dong?"

Ye Yaodong simply put down his bowl and chopsticks and couldn't eat anymore.

"Tell me a few things. If you didn't tell me, I'll go ask again. Can you repeat what I told you?"

"We understand, but we can't explain it. Anyway, there is a subsidy that can double your savings."

Everyone only knows that there are subsidies, but they can't explain it clearly. They only know the general idea vaguely.

Ye Yaodong could only ask more clearly himself.

"I'll ask."

"Yes, you should ask for it yourself. If you really ask us, what if we are wrong? This is not a small amount."

He nodded, went into the house to get his passbook, then went to push his bicycle, cursing in his heart.

By the time he got to the bank, his bicycle was almost sparking, Shen Ming'e was not there. He showed his passbook and deposit slip, and the staff immediately explained everything to him.

The inflation-preservation subsidy rate means that when the increase in prices exceeds the fixed deposit rate offered by the bank, in order to ensure that the depositors' funds will not depreciate due to inflation, the bank, in addition to paying interest at the prescribed interest rate, also needs to pay an additional amount to the depositors based on the inflation-preservation subsidy rate.

And his savings are also included and will not be lost due to the lack of explanation.

When he made the deposit, he also filled out a savings slip. He also had a copy of the receipt, but he thought it was nothing and didn't look at it carefully.

There were so many densely packed words on it, who would read it so carefully? He thought he could just listen to Shen Ming'e's explanation.

After understanding the situation clearly, Ye Yaodong breathed a sigh of relief. As long as he got the money, it was good enough.

If this amount was not counted for him, it would be a huge loss!
If you deposit 20 yuan, the interest rate is more than 13 yuan, which is equivalent to more than 6 yuan in value preservation subsidy!

This is a huge sum of money!

Who would complain about having too much money?

Shen Ming'e is really a half-baked person. No wonder when I asked her about the interest rate, I had to go to the office to get the form to look at it.

He just said, which bank employee is so unclear about the deposit interest rate, and he is also a business manager, and he has to take a look at the bill halfway through...

At that time, I was a little skeptical about my business ability. I was blinded by Director Shen’s filter and believed it easily. Fortunately, I had everything I needed.

He also asked to change the business manager on the spot, but was told that it was impossible to change. Anyway, there would be someone to receive him if he came to consult, so he had to give up.

Anyway, it was confirmed that he had the value preservation subsidy rate, so he went back satisfied.

But halfway through, he thought that since he was already out, he rode his bike to the Chamber of Commerce and planned to call A Qing to tell her about it.

Now there is a value preservation subsidy rate, which is more convincing.

Sure enough, Lin Xiuqing was surprised when she heard that he had saved for 5 years. But when she heard that he could double his savings in 5 years, she kept silent and listened to him patiently.

"If you're reliable, you can do that... There's a lot of cash at home, and it's a bit hot for me to handle."

"Well, since you have already saved 20, just save it, and then wait for five years. If it really doubles, we will save more."

"This is better than just keeping it at home. Let's just test the waters. A state-owned bank should be safe. We still owe it 20 yuan."

Ye Yaodong felt relieved. "Yes, I think so too. At most, we can pay it back after it matures, and the deposit will still be there earning interest. It would be good if it can double in 5 years. It's better than keeping all the cash in hand."

"20 is not a lot of money for us right now. Let's just give it a try. Generally speaking, there won't be any accidents. Just leave it there and I'll check it every few months anyway."

Lin Xiuqing responded gently, "Okay, then you can take care of it. Don't save the rest for now. 20 is enough. I will be back in a few days. If there is any left, just bring it back directly."

"There is still more than half a month left. If there are no accidents, I estimate that I can still have another 20 yuan left. Anyway, at least 10 yuan. We will see when the time comes."

Lin Xiuqing was speechless, "You are making too much money..."

"It's mainly because I have a lot of ships, which is also a cost investment. Without so many ships, how can I make so much money? When I bought the ships in the early stage, you all complained."

"Isn't that uncertain? Just think that we already have a boat, there's no need to get so many."

"This is all money. Why do you think the bank has a value preservation subsidy rate? Isn't it because it is profitable to invest now? If the money doesn't double in five years, it's better to put it in the bank. If the money is deposited in the bank, the bank will definitely invest it and make more money."

"Well, I don't understand this. Anyway, you've already bought all the boats you should buy, and you haven't listened to a word from us."

"It's a good thing I didn't listen to you. I bought so many ships despite all the opposition."

Lin Xiuqing was speechless again.

"I'll listen to you from now on."

"now it's right."

"No, haven't I listened to you all along? You always have a lot of reasons to convince me, so I always listen to you, but never to me."

"Okay, I'll just tell you about the deposit. I'll call you in a few days when I'm sure I'll be back."

"it is good."

Done it again.

What man is better than him? After making a decision or doing something important, he will still think about informing his wife.

Look at those guys who are playing cards. Who would tell these things to their wives? At most, they would send some living expenses back home regularly and then report that they are safe.

There aren't many good men like him!