sheepskin for melon

I doubted my life for a while, and then let it go slowly.Isn't it just a shaved head? What is there to care about? How good it is to be a monk. How many people can experience the feeling of being a monk.

Chi Li was dressed in cassock like fire, and Baoxiang solemnly went to Miao Niangzi's shop to inspect the business.

Mother Chi still couldn't be free, she was helping out in the shop, when Chi Li's eyes lit up.However, she soon realized that she should be "unfamiliar" with Chi Li now, and immediately lowered her eyes, clasped her hands together, and saluted solemnly: "Master Miaofa is good."

Chi Li also returned the salute without changing his expression, and asked, "How is the business, I'll take a look at today's account book."

Miao Dongmei immediately asked Xiaoer to bring the ledger, and took out a big steaming steamed bun from the drawer, and handed it to Chi Li: "Thanks to Master Miaofa, the business is very good. This steamed bun is a tribute to you."

Pond: ...

His mother entered the play really quickly, and I don’t know if it’s an illusion, since his mother came to ancient times, she has been fascinated and excited, and she has become much more lively and cheerful.

But the question is, he has eaten, should he pick up the bun or not?

Seeing Chi Li's confusion, Tan Yushu smiled and took the bun for him, took a bite, and exaggeratedly praised: "It tastes really good!"

Miao Dongmei immediately beamed with joy.

Chi Li glanced at Tan Yushu, Tan Yushu was very reliable whenever it was time to help him eat.

After a while, Xiao Er ran over holding the account book, Chi Li sat down and looked through it, and Tan Yushu was there holding a big bun and gnawing on it.

Miao Niangzi's steamed buns are of good quality and cheap, and soon became famous, with many customers.Monk Miaofa and Mr. Tan are also influential figures in Beijing. It was quite unusual for these two to come to a new store to check the accounts together, and it immediately attracted many people to stop.

After reading the account, Chi Li returned the account book and said with a blank expression, "That's right, manage well, let's go."

After speaking, he glanced at Tan Yushu, who was obediently eating the buns. Tan Yushu blinked. He didn't finish eating so fast. It's so cold outside...

Thinking of this, he immediately speeded up and took a big bite.

Chi Li looked at him gnawing on the steamed stuffed bun, couldn't hold back for a moment, and smiled.

Turning his head away, for some reason, his fingers were itchy, and he really wanted to poke his swollen face...

It's a pity that there are too many people to poke.

On the other side, Miao Dongmei also remembered her part in the scene, and asked them to stay with her loudly: "Wait a minute!"

As he spoke, he went into the house and took out a sling of money, handed it to Chi Li, and said respectfully: "Master Miaofa, I have made some money these days, I will pay you back the principal."

Chi Li looked at it, and said calmly: "Don't be so anxious, just pay it slowly."

Miao Dongmei immediately said: "No, I made some money recently, you can take it away!"

Now that she said so, Chi Li took it away and said succinctly: "I will deduct this money from your principal next month."

Miao Dongmei immediately expressed her gratitude, and picked up another bun: "Thank you, Master Miaofa, you must take this bun."

Tan Yushu had just swallowed all the steamed stuffed buns, but he froze when he heard this, and before Chi Li could reply, he said quickly, "No need! No need! Miss Miao, let's do a good job in business. I wish you to take down this shop as soon as possible."

Miao Dongmei put down disappointedly: "Thank you for your kind words, you two go slowly."

The conversation between these few people was very strange, so after Monk Miaofa and Master Tan left, a bold regular visitor immediately asked: "Ms. Miao, why did the master of Efa Temple come here to check your account?"

Hearing this, Miao Dongmei immediately cheered up, pointing to a wooden sign hanging in front of the store and said mysteriously: "If you want to say why, you have to ask this wooden sign."

Only then did the surrounding people pay attention to this wooden sign, and saw a rose flower engraved on the front of the wooden sign, and a word "Er" engraved on the back.

In the past, it was only the emblem of Miao Niangzi's shop, but now seeing the word "Er", a thought suddenly arises, is this wooden sign related to the recently famous "Efa Temple"?

Miao Dongmei folded her palms together and recited the Buddha's name, and explained to everyone with a smile on her face: "Because I borrowed money from the Efa Temple to open this store."

The people around suddenly realized.

Different from the previous dynasties' ethos of "emphasizing agriculture and suppressing business", the Yong Dynasty encouraged business, and the status of merchants was extremely high, ranging from the princes and nobles to the common people.Even in order to apportion military expenses, even the army can do business, let alone monks.

Temples do not need to pay taxes, but they still receive incense and alms from the rich every day, which can be described as extremely rich.The monks inside will use the money to do business, such as purchasing real estate and acres, opening quality warehouses, etc. Of course, the most common thing is to lend usury.

So it's not surprising that Miao Dongmei said that she borrowed money from Efa Temple, but why is she so happy to borrow money from usury?

Out of curiosity, Miao Dongmei continued to explain: "Hey, my family is not up to date, and life is really hard, so I come to the capital to join my distant relatives. But it's not good to eat and drink for nothing at other people's homes, so I plan to find a Work. Because of my ancestral noodle steaming skills, I thought that I should be able to earn some money by selling steamed buns, but the principal is not a small sum. I was too embarrassed to extend my hand after staying at relatives’ homes for so long. Fortunately, at this time I heard that the Efa Temple lends money, so I went to ask, do you know how much the master of the Efa Temple charges in interest?"

"How much?" The audience was immediately aroused.

Miao Dongmei smiled and said: "One percent interest! And it's a one-year period, and it won't rise until the end. Every time the interest is recorded, only the principal is recorded! I have borrowed a total of 50 taels of silver from the temple. That is to say, if I If you can pay it all back within one month, then you can just give the temple 500 taels of interest. If you wait until a year to pay it back, it will only be 6 taels of silver in total. Silver? Now I have paid back the consistent money in advance, and Master Miaofa promised to deduct it from the principal, which means that I will only owe 49 taels next month. If I don’t pay back the principal in advance, I will pay it all in the second month , originally had to repay the interest of 1000 Wen, but now only pays 990 Wen, the sooner the payment is made, the less interest will be paid~”

What?One percent interest?

The onlookers were stunned for a moment.

No wonder they were so surprised. The ancient usury was too terrifying. Of course, the informal usury is also very scary now, and the degree of horror in ancient times can be raised to the Nth power.

Neither the social system nor the legal system in ancient times can be called unsound. In modern society, the interest on bank loans is almost 4%, while in ancient times it could reach 300%.

This is the case where the lender is willing to reason with you. If he is unreasonable, he will say as much as he wants. Sometimes he will use various tricks to design you to borrow money, and finally force you to sell your children and daughters, ruining your family and property.

People at that time were generally not well-educated, and it was impossible to guard against such scams. Moreover, those who were able to lend money must have a very strong background. Under the collusion of officials and businessmen, there was no way to sue.

That's why people at that time turned pale when they heard "sharp money", and they would not borrow such things if there was still a way out. Now they are shocked when they hear the interest rate of [-]%. Such a low interest rate is real. ?

Someone immediately asked: "Miss Miao, don't be surprised. You said that the interest rate will not rise when it reaches the peak. If so, I mean if, you will delay paying back the 50 taels of silver. Anyway, you won't pay it back." The interest rate will increase, so what about the borrowers?"

Miao Dongmei said angrily: "Look at what you said, am I the kind of person who doesn't pay back the money?"

The person who asked hurriedly confessed again, and Miao Dongmei finally smiled: "That's because you don't know the key to this. If you know all the inside information, you will know how good the eminent monk Miaofa is. "

The others were aroused by her and listened more and more seriously.

Miao Dongmei took down the sign and passed it on to everyone: "Do you know why I have this sign in my store? Because this store is not mine, it belongs to the Efa Temple. Hanging this sign means that it is funded by the Efa Temple. , but the principal and interest have not been paid off.”

"During the listing period, Efa Temple will send people to check the accounts from time to time, and hand over [-]% of the money earned in my store's monthly accounts as a deposit to Efa Temple. Only when the principal and interest are paid off can the store be delisted. After delisting, the store will be released. It's all mine, and the deposit will be returned to me in full. If you were me, would you delay paying the deposit, or pay it back as soon as possible minus the interest?"

Some people were dumbfounded when they heard it, but those who reacted quickly had already started to pick up the abacus to settle accounts.

In Mrs. Miao's shop, a steamed bun with meat costs 6 renminbi, vegetable buns 4 renminbi, and steamed buns cost 30 renminbi. One basket can steam 5 steamed buns, [-] drawers at a time.

Looking at Mrs. Miao's drawer after drawer, I estimate that she can sell at least 3 drawers of meat buns a day (540 Wen), 7 or 8 drawers of vegetarian buns (840 Wen), and more than ten drawers of steamed buns (300 Wen). Wen), so the most conservative estimate is that you can earn 1680 Wen a day, and 50400 Wen a month.

Yongjing is located in the north, where wheat is grown everywhere, and the price of wheat is not high.Just hired two and a half workers, and the wages must not be much.All costs are fully paid, and three achievements can reach the sky, which is counted as 15120 texts.

Rents facing the street are relatively expensive, and you should have consistent money a month, that is, 1000 Wen.

"Residence tax" is 30 per thousand cash, so a monthly tax of 1500 cash is added.

A month's profit is about 32780 taels, and a year's net profit is 393360 taels, which is equivalent to more than 393 taels of silver, and 56 taels of silver is still more than enough!

And if you don't pay it back, you have to pay 181440% of the deposit in one month, which is 3 yuan a year, which is almost tripled, and a fool can't do this.

Hearing what the know-it-all said in the crowd, everyone immediately understood, but there is a question: "If Erfa Temple doesn't return your deposit, what will you do?"

Miao Dongmei laughed: "But you think, at the beginning, I didn't even have a 50% deposit. It was the Efa Temple who lent me [-] taels of silver so that I could rent a shop and open a store, and then I could earn a [-]% deposit. .”

It seems to make sense... The confused crowd vaguely grasped some key points.

"Do you think that the 50% deposit is because the eminent monks of the Efa Temple want to be ambiguous? It's just to guard against villains, not gentlemen. If the eminent monks of Efa Temple want to make this money, they can just put loan sharks. Why do you want to abolish it? You ask yourself, [-] taels of silver, how much does it cost to repay loan sharks a year?"

That's right... If you borrow usury, it's not a 30% deposit, but real interest.What's more, you can earn more than 50 taels of silver in a month, and pay back 1000 taels of silver. How can it be delayed until a year later, and if you pay back in two months, you will only have [-] taels of interest!

Someone finally figured it out and took a breath: "Miss Miao, don't tell me you only mortgaged [-]% of the deposit, and didn't you mortgage anything else?"

"Yes, this is the most merciful place of the eminent monk of Erfa Temple! He doesn't need to mortgage anything I have, but uses my future things as collateral. It's fine if I can pay back the money I earn directly. If I don't pay it back for a while , you can make money and pay it back slowly. The deposit of Erfa Temple will always be drawn from the money earned, and the interest will not be raised, so I don’t have to take risks to repay the money. When the repayment is over one day, the deposit and the store will belong to me Well, from the beginning to the end, I only gave Efa Temple 6 taels of silver more, but got a shop that I couldn't get at all before, tell me, did I make a profit or a loss?"

This is too profitable!

Someone asked again: "Then how can you guarantee that what the Erfa Temple says is true?"

Miao Dongmei said straightforwardly: "The legacy of the Godly Monk Ferrying Evil, the abbot of the Efa Temple, and the eminent monk who has been visited by the emperor several times, can you speak well?"

Everyone immediately hammered their hands: Yes!If you can run away, the monk can't run away from the temple!

Moreover, Efa Temple has always been merciful, and such precious things as merits and virtues can be given to poor people casually. Now, how can it be impossible to lend low-interest money to ordinary people to make a living?

In an instant, the "low-interest loan" of Efa Temple became famous along with Miao Niangzi's noodle shop.

Countless people went to the Efa Temple to ask for loans, and Chi Li conveniently announced the terms of the loan. He didn't just borrow it casually, but "start-up capital."

You don't need to mortgage real estate, real estate, wife and children, but you have to put your "karma" on it.

The people who came to beg looked confused, and Chi Li said expressionlessly: "I lent money to Ms. Miao because of her outstanding craftsmanship and hard work. Opening a shop to sell steamed buns will definitely make money, and I will pay back the loaned money. I am a Buddha. Lazy people, what ability do you have to convince me that if you borrow your money to do business, you can make money and pay back my money?"

Crowd: ...

It was the first time I heard this kind of statement, and I went down the mountain in a daze, and swarmed to present my craftsmanship the next day.

So Chi Li seems to have become a mentor of some kind of variety show recently, asking every day: what is your dream?

The person who came to the interview this time was a short, fat man with ragged clothes and a mouse mustache. His eyes were rolling, and he took out a bowl and put it on the table. , that's what I do!"

Tan Yushu also came to help when he had nothing to do. Seeing the contents in the bowl seemed to be some kind of meat, he twisted a piece and put it in his mouth. After tasting it, he smiled and said, "It tastes good."

Chi Li took a look at him, and with Tan Yushu's character, if he was good, he would definitely boast in different ways, but if it was "not bad", the translation would probably be "really unpalatable", so he immediately decided to pass this person .

Unexpectedly, the man's face turned green: "Wait a minute, sir! This is for cats!"

Chi Li and Tan Yushu: ...

After a long time, Tan Yushu smiled and said, "What did you do?"

Interviewer: ...

Ahh...how to keep smiling...

The air fell into silence. After a long time, Tan Yushu slowly revealed a smile: "It doesn't matter. When I am fighting, I will eat anything."

Pond: ...

Is it really okay...

Glancing at the gradually losing light in Tan Yushu's eyes, it seems that no...

Looking at the culprit coldly, narrowing his eyes——

The Humpty Dumpty suddenly shouted with the desire to survive: "Master! Listen to me first! I want to open a cat food shop! You don't know how attractive cats are. All the noble ladies in the capital regard cats as their own. Baby! And the cat food I make is liked by cats from all over the world, if you sell it to the noble girls in Beijing, it will definitely make a lot of money!"

Sell ​​cat food?

Before Chi Li could say anything, a cat jumped off the beam, went straight to the cat food on the table, and ate it with big mouthfuls. It was the one who regarded Erfa Temple as the second... oh no, the first home little old man.

Pond: ...

Is it really so amazing?

Throwing down a piece of ham sausage, the little old man turned his head to sniff it, and then turned his head to eat the bowl of cat food.

This cat, who has never seen the world, has always regarded ham sausage as the first treasure, but now he has moved on?

Tan Yushu finally recovered himself from the heavy blow, and exclaimed: "It's so powerful!"

Seeing that Tan Yushu seemed to have let go of the previous stubble, the short fat man breathed a sigh of relief, and continued: "And I'm not only planning to sell cat food, but also grooming, dressing up, and making clothes for cats to make cats look better! I believe cat owners are willing to spend a lot of money!"

Pond: ...

Isn't this pet grooming?The ancients were really advanced.

He raised his chin and signaled the cat on the table with its face in the bowl: "Then make this cat look good for me to see."

Humpty Humpty smiled happily, took it with confidence, and froze after seeing his face clearly: Is this really a cat?

Could it be that he, the master cat breeder, is about to capsize in the gutter...

Tan Yushu couldn't bear to see the short fat man looking like a concubine, took the cat from him, turned to Chi Li and said, "It's beyond human ability to change the little old man's appearance, but this bowl of cat food is really good. Well done, I think it can be considered.”

Little old man: ...

What are these humans saying?Fortunately, it doesn't understand, let it go to cook!

Now that Tan Yushu had said that, Chi Li asked, "How much do you want to borrow?"

As the mountain turned around, the short fat man clapped his hands excitedly: "Master! I want to borrow 100 taels!"

Pond: ...

Miao Niangzi only borrowed 50 taels for the noodle shop for people, but 100 taels for cats?

The short fat man immediately said eagerly: "Master, I know that I borrow a lot, but in this business, I earn money from high-ranking officials and nobles, but I have to be more particular about it. If I want to open a market on it, I must spend a lot of money. This 100 Two I already want very little!"

Pond: ...

"I can lend you 200 taels."

what?

Unexpectedly, after making an oolong, he could still borrow a little more. Now he can let go of his hands and feet and do a big job!

Immediately knelt down to thank: "Thank you, master! Thank you, master!" After speaking, he wiped away his tears.

Chi Li looked at the guy crying and kneeling, and his eyebrows were almost raised to the sky: "Get up, when the time comes, the money and the goods will be paid. You don't owe me, and I don't owe you."

After finishing the approval note and asking him to collect the money, Tan Yushu didn't think it was funny seeing him sobbing, but praised: "Brother Chi has a really good vision, he is indeed a smart businessman."

Isn't it, pet plus marketing, so proficient, Chi Li almost thought he was time-traveling.

Tan Yushu also recorded this person's "entrepreneurial ideas" in the book, and he has recorded more than one today.

Flipping through the previous examples, he immediately praised: "Brother Chi's ideas are indeed always different and amazing."

Chi Li clenched the corners of his mouth: Hmph, is he talking about Tan Yushu?