Rebirth 90: I changed my fate by winning the lottery

After receiving the award, Ding Zhiping carefully collected the pile of paper documents and stuffed them into the inner pocket of his jacket, hiding them tightly.

At this moment, he was taking Ding Mo to a nearby snack bar for lunch.

The father and daughter didn't have much money, so they ordered three baskets of dumplings.

Ding Mo didn't eat any meat last night, and had a white steamed bun this morning. He finally got to eat a bun with a strong meaty aroma, and was so happy that he didn't even bother to talk and just ate it like crazy.

"The staff member asked me if I wanted to donate. I refused as you said. But isn't this a bad idea? We have so much money now, we should donate some." Ding Zhiping's appetite was not very good. His mind was in a mess, and he hardly slept last night. He felt like a deflated balloon.

Ding Mo still had half a bun in her mouth. She asked, "Dad, what did they ask you to donate?"

"I saw donations for poor students, sick elderly people, orphanages and so on."

"Are they all official donations?" Ding Mo asked.

Ding Zhiping was not very sure either. There were so many types of donations in the Welfare Lottery Center, and he did not have time to look at them one by one.

Ding Mo thought about it and replied: "We don't need to worry about this. After we get the money, we can donate it to the Hope Project. It's all charity, so let's find a formal channel to donate."

Ding Zhiping was very pleased to see that his daughter still wanted to do some charity work, so he didn't say much. After lunch, he took his daughter on a bus to a bank in the east of the city.

Their family originally lived in the west of the city, but they were afraid that Liu Yun would notice them, so the two of them finally came to the bank in the east of the city.

Ding Zhiping first opened a personal account under the guidance of bank staff and cashed the check.

Then he took Ding Mo's household registration booklet and opened a bank account for Ding Mo as a guardian. Unfortunately, Ding Mo, who was only 17 years old, had to get the guardian's consent to have a bank account.

After deducting taxes, only 400 million in bonus was left. Ding Zhiping set aside an additional 12, and the rest was transferred to Ding Mo's account.

After that, Ding Mo took Ding Zhiping to find the bank's lobby manager as if he was familiar with the place.

Just now, this father and daughter exchanged the lottery prize at their bank. Although no staff member made a loud noise to tell them about it, he was the lobby manager so he knew about it. Judging from the purpose of the father and daughter's visit, they probably came to discuss large-denomination certificates of deposit with him.

The lobby manager bowed and nodded and led the father and daughter to an office inside. He served them tea and water, and also handed Ding Mo a few pieces of chocolate.

As for chocolate, if kids of this age want to eat it, they have to beg their parents for it.

Ding Mo told the lobby manager directly: "I want to deposit the 388 million yuan in my account in your bank. Is there any way to deposit it for life? But I can get interest every month?"

The lobby manager thought that this kid knew a lot, so he continued, "For fixed-term deposits, we have different terms: six months, one year, two years, three years, and five years. Normally, the interest is increased once a year."

Ding Mo thought about it and realized that he was now a sophomore in high school. If nothing unexpected happened, he would be a college student in two years, and an adult college student at that.

"I save two years of my death."

The lobby manager was very happy to hear her say this. With this deposit, the entire bank has completed its task for the year.

"Then I'll handle it for you." The lobby manager asked in a flattering manner, using the word "you".

Ding Mo stared at his face for a while and then smiled without saying anything.

The lobby manager was flustered by her look: "Do you have any other requests?"

Ding Mo asked: "Shouldn't we talk about the interest? After all, this is a large amount of savings."

The lobby manager was now certain that this kid really knew a lot.

"Then I won't beat around the bush. The highest interest rate we can apply for you for the amount you deposit is 2.43, and we can guarantee you that this is the highest interest rate we can offer in K City."

What he said was true. Commercial banks were not yet popular at that time, and the interest rates of state-owned banks were almost the same.

But what Ding Mo wanted to discuss was not the interest rate: "If I promise not to withdraw the money in advance within two years, can you change the interest payment method to monthly payment?"

"Fixed-term deposits cannot be withdrawn in advance," said the lobby manager.

"It's not that you can't withdraw money in advance from a fixed-term deposit, right? It's just that the previously agreed interest rate will change, from the fixed-term interest rate to the current deposit interest rate." Ding Mo said affirmatively.

The lobby manager confirmed once again that the little girl in front of him really understood. It seemed impossible for him to get around it with a complete explanation. So he said, "Then let me confirm with you. Your money will be deposited for two years and the interest will be settled monthly. You promise that you will never withdraw the money within two years, right?"

Ding Mo nodded: "Yes." He also asked: "How long will it take to be completed?"

The lobby manager replied: "It will be quick. I just need to apply to the president."

So the lobby manager quickly walked out of the office, probably to find the bank president.

Ding Mo understood now that the bank's rules in 1999 were not much different from those before his rebirth. The bank would delay the payment of interest by one day, so it was more inclined to pay the interest annually, which was why the lobby manager did not speak directly here.

Ding Mo turned around and said to Ding Zhiping: "Dad, if this is the case, we have 10 yuan in interest a year, so we should be able to get about 8000 yuan a month."

Ding Zhiping was shocked. Although he knew that the interest would not be a small amount, he did not expect to get 8000 yuan every month.

"You should save this 8000 yuan and don't spend it carelessly. Wait until you really need it urgently." Ding Zhiping ordered.

His half-year salary only adds up to 5000 yuan, but now Ding Mo gets 8000 yuan in interest a month. This money is too unreal. For Ding Zhiping, what he is most worried about now is whether his daughter will go astray after receiving such a large sum of money.

"Dad, I know, but I still have to secretly give you some money to supplement the household expenses. After all, we have won 500 million yuan in the lottery, and there is no need to let our family live a hard life." This is what Ding Mo said to him.

"Dad doesn't want your money. We have my and your mom's salary at home, so we don't need it." This is how Ding Zhiping answered her.