Martial Arts Reigns

Today is the night of the full moon. On the top of the mountain outside Xuantian City, Ye Ming exchanged 500 million Wuzun coins for 10 billion trading merit points! It takes 5 billion merit points to revive one person, and 10 billion merit points can revive two people.

When his wish came out, the merit monument shook and agreed to his request.

The next moment, the entire mountain suddenly lit up, and a mysterious force appeared, it was everywhere, and an extremely complicated magic circle was engraved on the mountain. Ye Ming only glanced at it, and he was shocked. The above restrictions far exceed the one-thousand-weight and small-thousand restrictions. This formation is definitely a middle-thousand-level prohibition-level formation! This kind of magic circle can drive higher-level laws of heaven and earth, and communicate the two big worlds, which is far from being possible with Ye Ming's current ability.

The mysterious power keeps engraving the magic circle, one hits the thousand ban, two hits the thousand ban, and keeps increasing until the ninety-nine and eighty-one hit the thousand ban. And the next moment, the big formation lit up, and a tyrannical force radiated four dimensions and eight poles, three realms and five elements, communicating with countless dimensions.

Ye Ming saw that countless complex imprint fragments were constantly gathering from all directions.

Beiming said: Master, these imprint fragments are left in the world after death. They can generally exist for ten years. After ten years, the imprint will dissipate, and people will have no chance of resurrection. Put the imprint fragments together A complete imprint of life, and then imprint it in the body of the fetus, and then it will be reborn. This kind of method, ordinary gods will never be able to do it, and Emperor Haotian is too powerful.

More and more imprint fragments gradually condensed into two clusters of fist-sized aura, floating in the air. Inside the aura, there are countless mysterious and complicated rune restrictions, layer after layer.

Ye Ming just glanced at it, and felt dizzy. He quickly turned his head and said in shock: Is the imprint of a person's life so complicated?

Human potential is infinite, and life imprints are of course complicated. This is because your parents' cultivation level is too low. If it is replaced by a powerful life imprint, it will be unimaginably complicated. Bei Ming said.

The formation gradually dissipated, and Ye Ming hurriedly and carefully put away the two groups of life marks. According to the instructions on the merit tablet, he only needs to put the life mark into the fetus in the pregnant woman's womb.

This is difficult. Where should father and mother go to give birth? Ye Ming scratched his head, very distressed.

Xuantian City and Cangyun City are both very prosperous, why not let the master's parents live here? People don't need to be too poor, and they don't need to be too precious, just middle and upper class. Bei Ming said, The poor people don't take good care of them. , People who are too rich are not safe.”

Ye Ming nodded again and again, and he immediately walked around the streets and alleys of the two cities, observing with the help of Beiming's divine sense. Finally, he found a family in Cangyun City. In Cangyun City, there is a large family surnamed Hua, whose ten generations have been passed down to a single family, and currently three generations live under the same roof. Both grandfather and father are Wu Zun, and the son is thirty-five years old, named Hua Zixu, with excellent aptitude, and now he is a Wu Jun.

Hua Zixu's wife is twenty-five years old, and her name is Liu Xinru, a martial artist who has just been pregnant with a child. Beiming told Ye Ming that according to his eyesight, the fetus in Liu Xinru's womb was a boy with excellent aptitude, and at worst a precious body.

Ye Ming was overjoyed, and stood guard outside the Hua Zhai, waiting for Ruyan Liu to come out. It's just that he waited from evening to early morning, and from early morning to afternoon, Liu Ruyan only stayed at home to raise her baby without going out at all. The Hua family has a shop in Cangxuan City, and the annual rent alone earns hundreds of millions of Martial Honor Coins. With such a high income, it is naturally easy to raise an idler.

Ye Ming felt that he couldn't wait any longer, so he came to the door of Hua's house. Seeing Ye Ming's calm demeanor and extraordinary handsomeness, the servant of the Hua family didn't dare to neglect him, first invited him to the living room, and then went to inform the master.

After a while, a young man strode out, clasped his fists and said with a smile: Boss Ji, I have known you for a long time. Your shop selling talismans has made a lot of money in the past six months, right?

Cangxuan Street is just that big. As soon as Ye Ming reported his name, the other party knew it, and hurried out to greet him. The young man was Hua Zixu. He knew that although Ye Ming was young, his wealth was definitely not inferior to that of his Hua family, so he dared to underestimate it.

Ye Ming smiled hehe: Brother Hua is too much, a small shop, earning a little money is not enough to pay the rent.

Hey, brother Ji is not afraid to lie to me. I have calculated that your shop has a monthly turnover of no less than 100 million, and the profit is astonishingly high, at least half of it? He asked with a smile.

Ye Ming smiled, neither admitted nor denied, just said: I have heard about the fame of the Hua family and Brother Hua's demeanor for a long time. I don't have any friends on this Cangxuan Street. I came here deliberately to visit today. , offer a jade box.

Hua Zixu took the jade box and opened it. Inside was a large seventh-level spirit stone, and it was a precious life spirit stone. This spirit stone weighs at least one hundred and fifty taels and is worth more than 200,000 Wuzun coins. Although the Hua family doesn't pay much attention to the two hundred thousand Wuzun coins, this gift is quite expensive.

He said: Brother Ji, you are being polite, why give such a generous gift.

Ye Ming said with a smile: I heard that Mrs. Zun is pregnant, and this life stone is very effective for raising fetuses.

Hua Zixu was even more strange. He said that I had never met him before, and he came to the door to give gifts and to care about the fetus. Why?

Ye Ming said again: I have nothing to go to the Three Treasures Hall. The reason why I came to bother you is because I heard that your wife's name is Liu Xinru, and she is twenty-five this year. My younger brother happens to have a cousin who has been missing for many years. I remember that she was also called Xinru when she was young. , so, I very much hope to see the Honorable Madam.

Hua Zixu laughed and said, Brother Ji, my wife is definitely not the person you are looking for. My wife's natal family is in Cangxuan Street, and she never disappeared when she was a child.

Ye Ming looked regretful, and said, It turns out to be like this.

Seeing Ye Ming's loss, Hua Zixu couldn't bear it, and said, It's almost time for dinner. Brother Ye is here, so don't leave in a hurry. I will call my wife later, and we will have a light meal together.

Ye Ming said: That's so embarrassing. After a few words of refusal, he really stayed.

Hua Zixu was also a real person, and immediately ordered someone to prepare the dishes, while he talked with Ye Ming in the hall. In a short while, a young woman walked out, with a beautiful appearance and a noble temperament, her lower abdomen was slightly raised, and her face was filled with the brilliance of motherhood.

It was inconvenient for the young woman to salute, but she was slightly short, and said a blessing to Ye Ming: I have met Mr. Ji.

Ye Mingxin said that this is the future grandma, how dare she accept his gift, and immediately took the opportunity to help her, saying: Don't dare, sister-in-law, be careful. In the palm of his hand, a ball of spiritual light silently entered the young woman's arm, and then ran into the girl's arm. in the fetus.

For a moment, the pear-sized fetus moved slightly. Sure enough, the young woman let out a soft cry, and wondered: It's only been a month, why is there fetal movement?

Hua Zixu smiled and said, It must be your hallucination. Three-month-old fetuses usually don't move around.

Ye Ming hurriedly backed away a few steps, and said with great courtesy: Little brother Ji Wujiu, I have seen my sister-in-law, so I took the liberty to come here, and please ask my sister-in-law not to blame.

Liu Xinru smiled lightly: Young Master Ji is too polite, please hurry up.

Ye Ming's caring was pure and natural, and Hua Zixu sympathized with him only when he missed his cousin too much and transferred this feeling to his wife.

During dinner, during the chat, Ye Ming learned that in addition to renting out the shop, the Hua family was also engaged in the elixir business. The family had two alchemists, and their annual income was quite high. When the two talked about the bank, Hua Zixu asked, Brother Ji, your bank has been losing money, why do you keep opening it?

Ye Ming said: I'm going to spend two years. If I still lose money after two years, it means that I'm going the wrong way and close the business immediately. If I can make ends meet after two years, it means I'm going the right way. will continue to operate.”

Hua Zixu had a good eye for business. He said, But the two-year investment is not a small amount. If I were Brother Ji, I would rather use the money to buy a shop, so that I can collect rent every year.

Ye Ming smiled slightly, and said: Now the bank only borrows money from outsiders. After two years, when it becomes stronger, it will try to keep money for others.

Do you keep money for others? There are indeed people who do this kind of business, but they are usually in small banks. The storage fee is not high, only about half of the annual fee. Hua Zixu said, This is a way to make money.

It turns out that the current money houses generally have the service of keeping money for others, and the custody fee is charged at 5% per year. If a person deposits 10,000 Wuzun coins, five hundred will be deducted in the first year, and four hundred and seventy-five in the second year. Those who deposit money in the bank are mostly weak and weak, but they have a lot of money. They are unable to protect their property by themselves, so they can only save it in the bank.

Ye Ming waved his hand: We keep money for others. Not only do we not charge storage fees, but we also give out a share, and we can share it every year.

Hua Zixu's eyes widened: Not only do you not charge money, but you also have to share 10% every year? Is it true or not? Now that you buy a shop, you will get 20% of the profit every year!

Ye Ming smiled slightly and said, Of course it's true. Brother Hua, do the math, if 100,000 people have deposited a billion in my bank. And I will release the billion with an interest of 12% per month 500 million. If 10% of the 500 million people default, then my loss is 50 million. And for the remaining 450 million, the annual interest is 648 million!

After deducting the 50 million loss and the 50 million annual share, the gross profit is still 548 million. If the annual cost of more than 240 million is removed, I can still make a net profit of about 300 million. Ye Ming said , The cost of 300 million is compared with the investment of 1 billion. Isn't it also 30% of the return every year? Is this better than collecting rent by sitting on the ground?

Hua Zixu looked shocked, and said: Strong, much stronger! The shop belongs to me, but you borrow chickens to lay eggs. This move is really clever, why didn't I think of it?

Of course, Ye Ming would not tell him that seven yuan counts as nothing, and he can come up with such a genius way to make money with a twist of his mind.

Ye Ming smiled slightly and said, Brother Hua, what do you think is the future of my bank?

Hua Zixu clenched his fists and said: There is a lot to do, there is a lot to do! He suddenly smiled and said, Brother Ji, you and I hit it off right away. I don't know if I can take a share in this bank?

What Ye Ming is short of right now is money, but he can't easily agree to this matter. He showed embarrassment and said: Actually, I don't lack money, what I lack is just time. And Brother Hua also said that this bank has great potential. If people participate in the shares, I will lose a lot.

Hua Zixu immediately said: Brother Ji, don't worry, my Hua family only holds half of the shares!

Ye Ming blinked: Half a share? This can be considered, but I don't know, how much are you willing to contribute?

Hua Zixu thought for a while and said, It won't be less than two billion. As for how much we can pay in the end, it's a big deal. I have to discuss it with my father.

No need to discuss, the Hua family offered 5 billion, but they have to keep 10% of the shares! Suddenly, a middle-aged man strode in, and he looked at Ye Ming and said.