Hogwarts on the tip of the tongue

Chapter 27 There is not much time left for Elena

Regarding the causes and trends of the disintegration of the Soviet Union, scholars of later generations can analyze it in a meaningful way.

However, at this point in time, almost no one would believe that this huge red country would collapse overnight.

Just as the world's most failed former Soviet intelligence officer commented, "Whoever does not regret the disintegration of the Soviet Union has no conscience; whoever wants to restore the Soviet Union of the past has no brains."

After this, the second most failed intelligence agent is the British James Bond. Their exposure rate around the world is unbelievably high.

In Elena's view, if there really is a convergence of world lines in this world, then the most serious geopolitical disaster that occurred in 1991 is definitely one of the most unshakable "inevitable" events in human history.

If she could really participate in the major event of the disintegration of the Soviet Union, Elena would never choose to go against the trend of the times and try to prevent the disintegration of the Soviet Union from happening.

In essence, she, like most time travellers, is a kind of person with a raspberry conscience, and all she can think about is how to pick up a handful of bear hair in this big wave.

However, before entering the wizarding world, or coming to Gringotts to be precise, Elena did not devote too much energy to the disintegration of the Soviet Union.

After all, for Elena, all this is too far away, and she is too young.

Whether it was exchanging cheap daily necessities for expensive military industrial supplies, or imitating the many financial giants who shared the Soviet Union's national economy, this was not a field that a ten-year-old girl in the Scottish Highlands could enter.

However, the opportunity came so unexpectedly.

"What if I want to take a loan from Gringotts and obtain a certain kind of Muggle currency?"

Elena took a deep breath, tried hard to suppress her inner excitement, pretended to be calm and looked at the goblin in front of her and asked.

Want to get Muggle currency through a loan from Gringotts

The goblin behind the counter rolled his eyes and showed a sly smile. He was another smart-aleck human wizard.

As the only wizard bank in the entire magical world, they have seen such pretentious existences many times. Stupid wizards have no idea that goblins still have a strong influence on the currency of the non-magical world.

"Of course, but the fees charged by us at Gringotts are not affordable by ordinary people. Well, little girl, the question-and-answer service to satisfy your curiosity has ended. Hurry up and change your gold Galleons and leave."

The goblin touched the pointed beard on his chin and replied impatiently. For Dumbledore's sake, it thought it had been patient enough.

Snapped

Without hesitation, Elena took out two banknotes from the small bag at her waist and slapped them on the wooden table.

"I don't have gold galleons. Here is fifty pounds, which should be equivalent to ten galleons. It's worth a few questions."

"Oh~~ My dear Miss Kaslana, this is enough for you to ask for a whole afternoon. Andy Serkis will be happy to answer your questions."

The goblin who called himself Serkis's eyes lit up. He quickly twisted the coins with two slender fingers and slowly put them into his pocket. He sat up straight with a smile on his face and made a humble expression of listening.

"It's too much. Serkis is just answering some simple questions of a little girl who has not yet gone to school, and you can actually charge with peace of mind. You can't continue the business with the guests for a long time."

Gallywix, who was standing behind Elena, screamed in dissatisfaction while retracting his right hand that had grabbed an empty spot on the table without leaving any trace. Because of the standing position, it was roughly larger than Serkis's hand. The speed is slightly slower by half a second.

"Shut up, Vickers. If you interfere with the transactions between me and the guests again, otherwise I have the right to call the guards to throw you out. Well, Ms. Kaslana, please continue."

Andy Serkis narrowed his eyes dangerously, tapped his long and sharp nails on the wooden table, threatened in a bad tone, and then looked at Elena with a smile on his face and said respectfully.

Elena smiled slightly and asked softly.

"Then, my question is, if I take out a loan, is there any way to exceed the annual limit of [-] and exchange Muggle currency into gold galleons or other currencies?"

"Well?" Goblin Serkis looked confused and hesitated, rubbing the index finger and thumb of his right hand slightly.

What a realistic and cute fairy.

Another fifty pounds was slapped on the table.

Elena shrugged. Compared to complex humans, philistine fairies sometimes suit her character better.

"Of course, no problem. Although the rules require this, we only need to pay a small commission, and we can help you complete the extra exchange. After all, Gringotts is not only open to human wizards, even Fox Meizi only needs to press the fingerprint , can also help you complete the exchange." Note 1 Click to view

Serkis's attitude became more and more friendly, and the look he looked at Elena was almost exactly the same as the look he looked at Jin Gallon. He had never seen such a wealthy and stupid little witch.

"Oh, that's how it is"

The silver-haired little loli's eyes slowly swept across the glorious central hall of Gringotts. As the elf in front of her answered in the affirmative, she felt that every cell in her body was excited. Such a bank that can ignore national restrictions, at this time Nodes, if operated properly, will produce terrifying benefits.

You know, even though the Soviet Union has experienced some decline over the years, as one of the two poles of the non-magical world, the Soviet ruble still has a very strong monetary value.

If Elena remembers correctly, until the situation suddenly changed in mid-August, the exchange rate between the U.S. dollar and the ruble was still stable within the range of 1 U.S. dollar: 1.8 to 2.0 rubles.

However, as the Soviet flag is lowered permanently this Christmas, just at the end of 1991, the exchange rate between the US dollar and the ruble will suddenly become 1 US dollar: 170 rubles.

Immediately afterwards, the Russian government's suffocating shock therapy began on January 1992, 1, liberalizing the price of 2% of consumer goods and 90% of the price of production materials.At the same time, restrictions on income growth were lifted, the salary of public employees was increased by 80%, the pension for retirees was increased to 90 rubles per month, and family allowances and unemployment benefits were also increased.

By April, the price of domestic consumer goods in Russia had increased 4 times compared with December 1991, which means that from the perspective of purchasing power, the ruble had depreciated 12 times again. I do feel guilty. If you are interested, you can ask Du Niang about the rest.

All in all, putting aside politics and national games, from a financial perspective, buying, selling, shorting stocks, etc. are all weak.There is only one simplest and crudest way to make profits, which is to borrow rubles on a large scale and exchange the rubles in hand for any currency in the non-Soviet monetary system, such as US dollars or gold galleons.

Then you don't have to do anything, just drink a cup of black tea leisurely at Hogwarts, wait for the ruble to collapse completely, and then convert the US dollars or gold galleons in your hand into rubles, pay off the debt, and earn thousands of times. income.

To give a simple example, your reader’s father took out a loan of 11700 rubles at this time, which is equivalent to 6500 US dollars.When the exchange rate collapses to 1 US dollar: 6500 rubles, you only need to take out up to 3 US dollars to pay off all debts including interest.

Elena thoughtfully stroked the back of her smooth and white left hand. Just as Dumbledore said, as long as there is no deliberate stimulation, there is no trace left by any unbreakable vow.

If you want to continue a school forever, the two most important things are people and money.In terms of personnel, as long as human society still exists, there will never be a shortage of students.In terms of funding, she seems to have found a path that will last forever, at least in her lifetime.

All she needs to do is resolve all of this, and there are only two oaths left for her.She didn't want to be burdened with the task of continuing a huge school for the rest of her long life.

The only problem is

Elena glanced at the old wizard standing behind her, who was listening to her questions with a curious expression. At least until Dumbledore was gone.

"Anyway, please help me quickly convert this pocket money into gold galleons. Time is money, my friend. We still have many important things to do later."

Elena took out a stack of pounds from the small bag and placed it on the counter. She slightly emphasized the words "we" and "after" while quietly winking at Serkis, indicating that it would take a look. Dumbledore standing behind her.

As for the association it will generate, for her, it is most likely a good thing.

The top priority now is to end this Diagon Alley purchase as soon as possible and send Dumbledore away.

The current time is July 1991, 7, 31 o'clock in the morning.

There is not much time left for Elena.

This chapter is particularly difficult to write. I don’t want to copy too many papers.I don’t want to write something too hard-core or unfriendly.All doubts can be answered one by one in the subsequent plot. I have laid all the foreshadowings before.Of course, if you are not afraid of spoilers, you can also play in my skirt~

Ask for a recommendation ticket~~~

This is another quality chapter of 3000 words. In fact, I can split it into two chapters~~嘤嘤嘤~Tangled