celestial system of the solar system

Chapter 129
Luo Yi thought about it carefully.

If it was just a matter of money, then to Luo Yi it was just a matter of transfer, not worth mentioning.But the money comes and the person doesn't, it seems condescending and lacks human touch, not to mention, it will also cause a lot of questions.

If it's not just about money, then Luo Yi has to go back.

With that in mind, Luo Yi made a decision.

Before leaving, Luo Yi sent a text message to Wang Wei, saying that something happened at home, so he went home to deal with it.

The last time Wang Chenglin banned Luo Yi and Wang Wei from communicating, the good girl blocked Luo Yi's various contact methods.

Later, the two reconciled as before, but Wang Wei was worried that his father would find out, so all contact methods were still blocked.

Fortunately, the blocking of mobile phone numbers does not mean that you cannot make calls and send text messages, but that calls and text messages will be classified as harassing calls and spam text messages, and there will be no instant reminder.

Luo Yi couldn't pick up Wang Wei when he got off work in the afternoon. According to the agreement between the two, Wang Wei would learn the reason why Luo Yi missed the appointment from spam text messages.

Although he was anxious, Luo Yi did not choose to take the flying saucer, but honestly booked a high-speed rail ticket and went to the station.

There will be no side effects if you take a flying saucer to ML or the Dyson Sphere world, but it is easy to cause problems if you take a flying saucer and wander around in China - when the relevant departments are not serious, Luo Yi can just run around casually.Once you get serious about it, you can query and calculate big data and you will see that one minute you were in S state, and the next minute you were thousands of miles away. Please explain.

...High-speed rail is slower than flying saucers, but it is actually the most convenient and fastest mode of transportation in the world - at least in China, Luo Yi believes that high-speed rail is more convenient and faster than airplanes.

Luo Yi returned to the small county town at three o'clock in the afternoon.Instead of going home directly, he called Sun Suxian's father, Sun Chaoyang.

As soon as Luo Yi spoke on the phone, he asked Sun Chaoyang to help keep it secret and not to mention his return.Sun Chaoyang was surprised and moved, so he agreed to Luo Yi, and then went to the agreed small restaurant alone.

Although the restaurant is small, it also has a private room, and the two meet and talk in the private room.

As soon as they met, Sun Chaoyang asked Luo Yi what kind of mystery he was playing.Luo Yi didn't answer and asked Sun Chaoyang instead: "Uncle Sun, what happened to you? Can you tell me, and I'll see if I can help."

One sentence made the eyes of Sun Zhaoyang, a seven-foot man, turn red.

The Sun family and the Luo family are door-to-door neighbors. They have a very close relationship and can be said to be well-connected.

When Luo Yi was born, the Luo Jun couple joked that the Sun family couple would be Luo Yi's godparents.Although there was no formal banquet, Sun Chaoyang and Han Li always called Luo Yi "son" jokingly, which made Luo Yi very confused for a while when he was a child.

Even if Sun Chaoyang didn't regard Luo Yi as his own son, at least he regarded him as his nephew.

And Luo Yi's expression of affection and righteousness at this moment made Sun Chaoyang sigh.

However, he was moved, but Sun Chaoyang hesitated and refused to tell Luo Yi what happened.

Luo Yi was funny and annoyed, and said to Sun Chaoyang: "Look, I've come all the time... Besides, even if you don't want to tell me, I'll ask my dad if I can find out."

Seeing that Sun Chaoyang really couldn't hide it, he had no choice but to tell Luo Yi the ins and outs of the incident.

……

Some time ago, Sun Chaoyang was introduced by someone to attend a folk meeting.

Folk money is relatively common in the south, but almost no one knows about it in Luo Yi's hometown.

Normal non-government meeting money is actually a private lending behavior.But any economic behavior is theoretically risky, which can lead to disputes due to accidents.Moreover, it is easy for private associations to lose money because of a problem in a certain link, so most participants will suffer losses.

In addition, the risk of making money is not just a simple business risk.In addition to the possibility that the interest rate exceeds the national regulations and is illegal, some people also simply aim to defraud money from the beginning in the name of "vertical society".

Sun Chaoyang belonged to the worst situation. What he joined was actually a scam in the name of "Vertical Association".

The operation of this meeting is like this: the host is called "the head of the meeting", and the participants are called "members".Members first pay 1 yuan to the head of the club. This is called "joining the club" and this money is called "membership money".Then "Huitou" returns 6000 yuan to members in six installments each, which is called "money return".Then, members pay 36 yuan to the "huitou" in 1000 installments each, which is called "repayment".

Luo Yi had been listening quietly before, but at this time he interrupted Sun Chaoyang and asked: "How long is one issue?"

Sun Chaoyang said: "This is the 'Monthly Meeting', and one session is a natural month."

The reason why Luo Yi asked how long the first installment was was to judge whether the meeting money belonged to usury.

Simply calculating the amount, the members give the club head a total of [-], and the "huitou" gives the members a total of [-]. The difference seems to be regarded as interest.

If counting from the sixth period, it seems that it can be simply understood as: this "meeting" means that members borrow 6000 yuan from the head of the club, and then repay 36 yuan with interest in 6000 months.

Borrowing 6000 yuan and paying 1 yuan in interest for three years obviously exceeds the bank interest rate, but it doesn't seem to be a usury.

So Luo Yi was a little strange.

Luo Jun told Luo Yi that if he wanted to lend the money Luo Yi gave to the family to the Sun family, it was obvious that Luo Jun would definitely take out the family's savings.Luo Jun and his wife are just ordinary working families, but they have saved 20 yuan over the years.

It can be inferred from this that Sun Chaoyang's debt must be more than 30 to [-] yuan.

Since the club that Sun Chaoyang joined didn't look like a usury loan, could it be said that one session was 1 yuan, and Sun Chaoyang had joined many clubs, so he owed a lot of money?
He couldn't figure it out, so Luo Yi got straight to the point and asked, "How much do you owe?"

Sun Chaoyang answered with difficulty: "Including all interest, it's 93. If you pay it off in advance, it can be less."

This number was somewhat beyond Luo Yi's imagination.

Not considering the complicated interest issue, and assuming that Sun Chaoyang did not squander the loan principal, it would be almost equivalent to joining ninety guilds.How could Sun Chaoyang borrow so much money?
Luo Yi still asked directly: "Why do you join so many clubs? What's going on?"

"I didn't... I just..."

Sun Chaoyang sighed regretfully, then gritted his teeth.

"I only joined ten guilds at the beginning. But then it turned out like this... I was deceived by a routine loan!"

Sun Chaoyang explained that the person who introduced Sun Chaoyang into the club was Zhou Mi, and he and Sun Chaoyang were just ordinary social friends.

However, another friend made a date for a drink that day, and Sun Chaoyang met Zhou Mi at the wine table.After drinking, they dispersed and went home. Zhou Mi and Sun Chaoyang were traveling the same way.

On the way, Zhou Mi seemed overwhelmed with alcohol, not only took the initiative to introduce Sun Chaoyang to join the club, but also quietly told Sun Chaoyang a secret that is very easy to make money with a familiar expression of "I will tell you because I have a good relationship with you, and ordinary people I don't tell him".

(End of this chapter)