People should not be afraid of troublesome others.
People who are afraid of trouble others generally don’t want others to trouble themselves. China has always valued the exchange of favors. Only when there are exchanges can people be kind, and compared with those who have been helped by you, those who have helped you will be more willing to help again.
You once.
There is a saying that the best way to make others like you is not to help them, but to let them help you. Troublesome others is also a way for you to get in touch with others and enter their world.
Of course, the core point is that there must be reciprocity. If someone helps you and you return the favor, the relationship will become deeper.
In fact, whether you are in a relationship or making friends, the key is to take the initiative. Just like chasing a girl when you are studying, the best way is to borrow books. Once you borrow and return them, you will start a relationship.
Whether it is the Li Jing family of Yongkang Duke, the Cheng Yaojin family of Su State, the Qin Qiong family of Yi State, or the warrior Xun of Duke Ying, the Leng family of Duke Xuancheng, including Fatty Wu and Huaiyu, they are all very active.
Take the initiative to interact with them.
"You settle accounts quickly."
Huaiyu said that he would leave his money to Runniang, so she took a pen and paper and recorded it one by one.
Her handwriting is very good, and her handwriting in small regular script is very beautiful.
"Who do you know from calligraphy, the Second King?"
"Since my brother agreed to wait until Qianjintang distributes dividends at the end of the year before paying, there's no rush now."
Huaiyu looked at this stroke and did not expect that he would become a rich man. Although he was not a big rich, he was already a small rich.
"Advance payment of 420 bolts of silk for the elixir..."
Huaiyu smiled.
Even the reservation payment for the elixir of 420 bolts of silk given by Aunt Fan was recorded.
Huaiyu didn't expect that two days ago he had to live in a cave with Huaiyi and didn't have his own house, but now he had so much property.
"Brother Junya gave this house to me, and I haven't even given him fifty guan yet."
Cheng Yaojin and Qin Shubao each gave him a hundred pieces of silk as a thank you gift for preparing medicine. Qin Qiong also gave him a gold mace and twenty acres of pear orchards in Xingchangfang, south of the city.
For the gift of medicine, Chu Mo received ten gold Kaiyuan coins in return, worth twenty guan. To prepare the medicine for Li Sanniang, she gave herself a black cloud riding on the snow, a Western Turkic horse and a Khitan silver saddle, which together were worth at least 120 guan.
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Runniang has followed Li Sanniang since she was a child, and she also copied Mrs. Wei's calligraphy at a young age. Mrs. Wei's calligraphy is like a flower-arranging dancer, raising her head to beautify, and a beautiful woman on the stage, Xian'e making shadows, red lotus reflecting water, green marsh floating clouds, and Runniang's regular script.
Deeply impressed by the essence of her calligraphy, Huaiyu watched her keep accounts, and it was really an amazing calligraphy work.
In addition, the King of Qin also rewarded him with a gold knife and a bronze dagger belt. He also took 50 guan of gold from the Sanyuan County Yamen as a capital for catching money.
Chen Xing is familiar with the outside world and has wide connections. He can also find some high-quality loan merchants. If he has good credit, he doesn't have to worry about bad debts. Huaiyu doesn't want too much interest and doesn't want to take advantage of it and make a fortune, but since this capital is now
If you don’t use it yourself, then you don’t need to bear the interest.
Huaiyu also had Wucheng's family of six, and Uncle Qian and his wife had a total of eight servants.
"Well, debits are recorded on the left and credits are recorded on the right. It can be more accurate, but it is more complicated." Huaiyu said.
There is also a hundred acres of land on Bailuyuan given by the King of Qin.
"To buy grain, take all the thirty dollars to buy grain, buy it and deposit it in this courtyard."
Huaiyu is now the accountant of Qianjintang, so he asked Runniang to be his assistant accountant, responsible for all current expenditure accounts. When doing business, you must have clear accounts, and partnership business must have clear accounts.
"Okay, I will reward you brother then." Huaiyu also knows that there is a huge demand for loans. The interest rate on public money is actually not low, but it is not the highest, and it is generally relatively stable. He will not borrow here or there.
It may be withdrawn due to unexpected circumstances, or the interest rate may be increased or something.
Fatty Wu gave him the five-acre courtyard in Huaiyuanfang.
Zhang Chuchen gave him three hundred bolts of silk, a beautiful concubine, twenty acres of land in Sanyuan, one mule, one cattle, twenty bolts of silk and eight thousand coins.
One hundred thousand yuan was used as a loan, and the monthly interest was 10,000 yuan. Huaiyu first took away 8,000 yuan of interest, of which 4,000 yuan was given to the yamen and 4,000 yuan was his own. The remaining 2,000 yuan was half for each person. Chen Xing took one thousand yuan, which was actually not enough.
He got 10% interest, but he didn't pay half of the capital.
Use it all to lend, it will be 138,000 yuan, and one penny of interest will be 13,800 yuan. If you pay 4,000 yuan, you will have 9,800 yuan left.
"I predict that this large-scale Turkic invasion will go deeper and may enter Guanzhong. When the wolf cavalry plunders, food will be more scarce and food prices will be higher, especially in winter and spring, so prepare in advance.
Something is always right.”
"Mrs. Wei."
"Are you just going to put one hundred guan in? What about the other 30 guan? It would be a waste to let it go."
This is a famous female calligrapher in the Southern and Northern Dynasties. The Wei family has been working on calligraphy for generations. Wei Guan, the ancestor of the northern sect, was her ancestor. She later married Li Ju, who was good at official calligraphy. Wei Shuo studied under the great calligrapher Zhong Yao. She and Wang Xianzhi
His wife is also a Chinese cousin.
He does not want the interest rate to be too high. The higher the interest rate, the greater the risk.
In times of war and famine, food is the real hard currency, more valuable than gold.
"Your dowry of twenty pieces of silk and eight thousand dollars can also be released by Ah Xing. No matter how much the interest is, it will still be yours." Huaiyu didn't care about Runniang's ten thousand dollars.
Huaiyu taught Runniang to calculate accounts separately. She was very smart and understood the double-entry accounting method as soon as she explained it.
"Let's do this. I'll add another fifty guan to the capital of 50 guan. I'll collect 100 guan and give it to your brother to lend money to the two cities. Remember, the monthly interest is ten cents, no more, and you must find someone with good credit.
Merchant, keep eight cents of the interest first, and I will split the remaining two cents half with him, which will be regarded as his hard-earned money."
Huaiyu had practiced calligraphy for more than 20 years before. How could anyone not know the name of Mrs. Wei? The sage of calligraphy, Wang Xizhi, became her teacher when he was seven years old and copied Wei's calligraphy until he was twelve years old.
Runniang's calligraphy still has the style of two kings. Huaiyu, who has studied calligraphy for more than 20 years, feels inferior to her.
He went to Qin Qiong's house yesterday and listened to them talk about the Turkic invasion. He also remembered that in history, Li Shimin had just ascended the throne, and as a result, Jie Li directly attacked the north bank of the Weishui River outside Chang'an.
"If you have a lot of money, you have to be careful with your budget."
"You keep your dowry separately and do not enter it into the family accounts. You keep it well. For the rest of the family accounts, first take a hundred guan of silk and transfer it to the public account of Qianjintang. Brother Junya and I will invest 400 guan into the partnership.
This is capital, one hundred for me and three hundred for him...
"Now let's take one hundred guan of money and put it into Qianjin Hall. We also have more than 200 bolts of silk and more than 50 guan of money. I think we can take the rest and let them out together."
After marrying into the Wu family, Runniang naturally thought more about her husband's family. It was good to give 25% to her brother and 75% to Huaiyu. With these more than 100 yuan, she could leave more than 7,000 yuan a month.
That’s eighty or ninety thousand a year.
If everything goes well, Huaiyu will not only be able to complete the task of catching money in the yamen, but also earn 5,000 yuan per month. Although he still has to pay 50,000 yuan in capital, the interest rate is really amazing.
I believe Chen Xing will be satisfied if he can get a thousand dollars a month for helping out with the errands. Huaiyu has always believed that sharing benefits will last long and lead to motivation.
If you invest one hundred guan into Qianjin Hall, you will get 278 pieces of silk based on the current price of silk. Huaiyu can still have more than 200 pieces of silk and more than 50 pieces of money left, so the funds are quite sufficient.
"The advance payment of four hundred and twenty dollars must also be recorded in Qianjintang's account and marked as advance payment for medicine..."
"I said so,"
When Li Shimin besieged Luoyang, the price of grain in Luoyang was as high as 3,000 dou of rice. Now it is more than 3,000 dou of rice, which is not the most difficult time.
"Five hundred and twenty pieces of silk, fifty-eight coins, ten gold Kaiyuan coins, a Western Turkic horse and a Khitan silver saddle, three mules and one cow, one hundred acres of land in Bailuyuan, and twenty acres of land in Lijiazhuang in Sanyuan
, a twenty-acre pear garden in Xinfangchang in the south of the city, a five-acre house in Huaiyuanfang..."
He also has two mules and two dogs.
Chen Xing arranged for a store with good credit to lend money. He only wanted 10% interest, 50,000 yuan with 5,000 yuan interest per month. When the time came, he would pay the Sanyuan County government 4,000 yuan, and he would still have 1,000 yuan left. He and Chen Xing Eryi added
Five, get one point each.
"Don't worry, you have to be accurate in keeping accounts."
"My eldest brother is the manager of the Li Mansion. He often goes out shopping and can help find merchants who need loans."
She also keeps good accounts.
"The fifty guan of public money, I think it should be loaned. Now Erlang is not short of money. If you let it go and you will get interest, you might as well lend it out. According to the current market situation, you can get at least one penny of interest per month." Chen Runniang also said.
She is very smart, knowing that Huaiyu's capital is still a newly minted Kaiyuan Tongbao, and the eight thousand coins given to her by the Li family are also Kaiyuan coins, which can be exchanged for more silk money.
She calculated that after investing 100 guan in shares, the remaining silk would still be worth 80 guan. Adding to the 50 guan capital, she also had eight guan as a dowry, which she could not use for the time being.
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Although Li Shimin eventually formed an alliance with Jie Li and killed the white horse, reached a peace agreement, and Jie Li retreated, it was obvious that this was an alliance under the city. Li Shimin compromised and gave in, and could even be said to have spent money to buy peace. Li Shimin suffered a big loss. Longyou,
The people of Shuofang and Guanzhong all suffered great losses.
He was willing to share more money with Chen Xing, but he also asked Chen Xing to find a merchant with good credit, especially not to use his capital and lend higher interest to avoid bad debts.
"Erlang's accounting method is good. If there is a debit, there must be a credit. The debit and credit must be equal, so that there will be no mismatch in the accounts."
Nowadays, a bucket of rice and silk costs 3,600 yuan per stone. Thirty guan can only buy a few stone rice. Moreover, the price of rice today is too high, and no one knows when it will drop.
"Now that the price of food is so high, why are you buying food? If it falls, wouldn't it be a big loss?"
Food prices will definitely be higher now.
It was only yesterday that he realized that the Longqiao Fort in Sanyuan, Weibei, would be very unsafe and that a courtyard should be built in Changchang. That's why he finally accepted the fat man's offer of a small courtyard to him. He really needed it.
However, Huaiyu didn't plan to hoard too much grain. He would buy thirty guan first, and then use the interest earned from monthly loans to buy more grain. Five dan a month could buy one or two dan.
Nowadays, my status is low and I don't have much power, so I don't dare to hoard too much food. Otherwise, when there is a great famine in the capital, having this food in hand may cause disaster.
