Rebirth of the era of struggle

"Brother Lei, don't worry, I will pay you back when my salary comes down this week."

"Oh, from what you said just now, I thought you forgot?" Liu Lei said.

Ding Chaoqiang said quickly.

"I haven't forgotten, I haven't forgotten."

Lu Yang looked at Ding Chaoqiang with a strange expression. This guy is really a treasure, and he still owes Liu Lei money. How could he say what he just said just now.

"Brother Chao, the part-time job I found for you earlier cost at least three or four thousand a month. Why are you so confused as to borrow money to live?"

"Ugh."

Ding Chaoqiang sighed.

"I can't help it. Now the cost is getting bigger and bigger. Last week, the Guangyuan Driving School next to the school had a discount. I went to sign up and used up all the money. My family knew that I was working part-time to make money, so my living expenses were directly cut off. I’m too embarrassed to tell him if I’m short of money.”

"You really don't have any money left."

Lu Yang shook his head.

It can only be said that brother Chao is lucky and has become the second generation of demolition, otherwise, with his current attitude of spending money, he may never even think about marrying a wife in his life. Compared with the barbarian, brother Chao is simply another extreme , who can't save any money at all, the kind who want to spend two cents for one penny.

I have been working part-time for so long, and I still owe money. I really don't know what to say.

"Don't mention this. I have one thing. I want to ask your opinion. You know a lot. Help me see if it's reliable."

"what?"

"Come here and take a look."

Brother Chao clicked on a web page.

Lu Yang took a closer look.

This is a webpage of a shopping mall. The page is relatively simple. It is not Taobao or JD.com. It is a website that he is very unfamiliar with. It sells some electronic products, such as mobile phones, computers, and cameras.

"Brother Chao, what are you doing?"

Lu Yang asked.

"I want to change to a new mobile phone. How about the iPhone 5? It looks very good. See if it's reliable to buy on it."

Obviously.

Brother Chao is also a little worried.

That's why I asked Lu Yang specifically. In this dormitory, Lu Yang is recognized as an all-around person who knows a lot and is much better than them.

"Aren't you short of money? What kind of iPhone 5 should you buy?"

Lu Yang looked at the price on the Internet, Apple 5, with a low configuration of 5299, Ding Chaoqiang chose this one, compared with the previous four generations of mobile phones, Apple 5 has improved a lot, the screen is longer, larger, and the appearance performance All very good.

The Apple 5 was probably introduced to the mainland at the end of last year. It has been a few months, and now it can be bought anywhere on the Internet. This model has been listed on the CC e-commerce platform. There will be.

Lu Yang didn't expect Brother Chao to plan to exchange for an iPhone 5. Where did he get the money?Sell ​​your waist?

"Brother Lu, you don't know, this website can be purchased in installments, take a look..."

Brother Chao clicked on the payment page.

Sure enough, the option of staging appeared.

Looking at the details of the payment, Brother Chao said excitedly: "Don't look at the price is 5299, but if you install it in 12 months, you only need 519 a month. I have more than 500 on me now, and the first installment is enough. gone."

"Purchase in installments."

Only then did Lu Yang notice the name of the website.

It's called Lefenqi.

He frowned, who the hell is so talented, he started doing installments at this time, and even reached out to the university.

Lu Yang couldn't help but cursed.

He didn't really mean that the other party was talented, but that the other party was immoral. This is really immoral...

What kind of group are college students?There is no earning ability at all, and there is no one in a million like Lu Yang. The others basically rely on the living expenses provided by their families. It is a big gap to extend their hands to this group of college students who have no earning ability. De, the kind who gave birth to a son without an ass hole.

Moreover, what is sold online, mobile phones, computers, cameras... are basically electronic products that students like, and they are easy to compare. Some students are immature and easily fall into the trap of consumerism.

If you have money, you can pay it back on time. If there is no special routine, at most you will be cheated out of interest, but what if you don’t pay?

Just look at the reports on the Internet in my previous life.

Don't look at the fact that it doesn't seem like a lot to amortize for a month, and it seems to be affordable, but if there is a breach of contract, compound interest, liquidated damages, penalty interest, door-to-door fees, and other messy things, basically don't even think about paying it back. It's up, I'm giving you a life-threatening serial loan...

If the family can take care of the bottom line, selling the house or car will cause heavy losses. If the family doesn't have the bottom line, the whole life will probably be ruined.

At this time, Greentown Clubhouses are prevalent. A certain No. [-] club that opened last year is well-known throughout the country, claiming to surpass the heaven and the earth. The ten cars of beauties who were taken away were mostly voluntary, and how many were forced to become someone else. The cash cow?

"Brother Chao, you'd better not touch this thing."

Lu Yang kindly reminded him.

Although Chaoge is likely to be able to pay back the money, it is best not to touch this thing. The financial products that entered the campus in the early days are more or less late-night.

"Why."

Brother Chao is still a little confused.

"You don't know how to calculate? 519 a month, how much is the total repayment a year?"

Lu Yang asked.

Brother Chao clicked on the calculator on the computer to do the math, and said, "6288."

"Then how much do you calculate the interest rate?"

Lu Yang continued.

Brother Chao scratched his head.

Just a mouse click.

"Forget it."

Lu Yang said.

Ding Chaoqiang said with some embarrassment: "I forgot how to calculate the interest rate?"

Lu Yang was speechless for a while.

"Brother Chao, how did you get here in college for three years? It's not as good as me who didn't go to class. You can subtract 6288 from 5299 and divide by 5299. I really admire you. This is elementary school knowledge, right? .”

Liu Lei also made up the knife and said, "Brother Chao is useless."

"Get out, if you are useless, I can't be useless either."

Brother Chao retorted, and then calculated according to Lu Yang's method, and the interest rate was 18.00% point six six...

Looking at the numbers on the calculator, Lu Yang said: "18.00% points 19.00, rounded up to 1%, you don't know what this number represents, 200 yuan is deposited in the bank, and it's only over 1 a year Interest, this shitty website, if you spend [-] yuan, you will have to pay an extra [-] a year."

"The interest rate is quite scary, and it will catch up with usury."

Liu Lei also nodded and said.

Not counting, I feel that more than 500 points a month seems to be nothing, such a calculation, the interest rate is too high.

"And..." Lu Yang continued: "The mobile phone itself is profitable. It sells you a mobile phone and earns you at least two or 3000 yuan. After one year, the mobile phone will be depreciated. It is not worth much. Talented people with brains I can buy it, and besides, it shouldn’t be possible to install it in installments after just placing an order, is there any other conditions?”

Brother Chao's complexion changed, and he said, "It seems that you still need to take pictures with your student ID card and ID card, and someone will come to sign the contract."

"Made, I knew it, what a chicken thief."

He cursed again.

Lu Yang asked, "Where did you get the news?"

"Someone has been distributing leaflets at the school for several days."

Brother Chao opened the drawer and took out a leaflet from it. It was indeed an advertisement for the Lefenfen website. The advertisement was written in a hype, as if people could buy a mobile phone and computer without drinking a bottle of drink a day.

It looks more attractive.

It's no wonder Brother Chao was moved.

Lu Yang put away the flyer, put it in his pocket, and said: "Brother Chao, this is a scam company, you should give up your mind as soon as possible, if you want to buy a mobile phone, just save two months' salary honestly, go to Go to CC shopping to buy, there are official authentic products, and after-sales guarantee, don’t think about these crooked ways, if you are disobedient and get tricked, don’t say I didn’t warn you.”

"Brother, I see."

Seeing how serious Lu Yang said, Brother Chao, who was already a little apprehensive, gave up this idea completely.

"Brother Lei, lend me your battery car."

Lu Yang said to Liu Lei.

"Why go?"

Liu Lei took out a bunch of keys from the drawer, broke off the key of the battery car, and threw it to Lu Yang.

Ding Chaoqiang also said: "Brother Lu, it's so late at night, where are you going?"

"Of course I'm looking for a girl. You think it's the same as you. You know how to play games every day. Be careful of being single for the rest of your life."

A needle in Brother Chao's heart, Lu Yang said with a smile.

"Damn, you think I want to play games, I want to have a girl, you need to tell me."

Brother Chao feels very hurt.

"Haha."

Lu Yang smiled, picked up the key and went out.

to the door.

He called Chen Qiuyue.

President Chen has been busy all day long since he was promoted. Lu Yang planned to meet her and ask her about the campus leaflets. It is impossible for the student union not to know about it.

Thinking in another way, if you do this by yourself, what you are talking about is... Lu Yang thinks that he will definitely contact the school's student union officials, promise them a profit commission, let them help publicize, and develop into the spokesperson of the school, followed by The class monitors of the professional grades, these students are the best leeks and blamers.

This is also the fastest way to promote this music installment on campus.

although.

He wouldn't do such a thing as having a baby without an ass hole.

When we got downstairs, the phone was connected.

Chen Qiuyue's lazy voice came from the other side: "Young master, have you finally thought of my slave's house?"

"Go, go, what are you doing, where are you?"

Lu Yang didn't want to play the story of the young master and the maid with Chen Qiuyue on the phone, if he wanted to act, he had to do it face to face, what could he do over the phone?

"Miss me?"

Chen Qiuyue giggled.

"Yeah, I miss you dead, tell me where you are, I'll go find you."

Lu Yang found Liu Lei's battery car and pushed it out.

Over there, Chen Qiuyue said: "I'm at the western restaurant, come here."

"Row."

A few minutes later, Lu Yang rode a small electric donkey to the school's western restaurant. At this point, there were still a few customers in the restaurant, and it seemed that the business was going well. As soon as Lu Yang entered, Lin Xiuxiu, who was standing at the cash register, shouted in surprise Said: "Brother Lu, are you here?"

"Yeah, come and see, where's your boss?"

Lu Yang asked.

Hearing that Lu Yang came to look for the boss, Xiuxiu's eyes showed an imperceptible disappointment, but she quickly covered it up, pointed to the top of her head and said, "The boss is upstairs."

"Upstairs, then I'll pass by, you should be busy."

Lu Yang waved his hand, intending to leave.

"Brother Lu, have you eaten tonight?"

Xiuxiu chased her out and asked another question.

"Ate."

"Oh."