"Junjun's mother, why don't you come out to buy groceries?"
In a vegetable market in Shanghai, an aunt in her fifties was holding a small green cart while walking and selecting vegetables.
Suddenly I saw an old classmate I hadn’t seen in half a year, and I quickly pushed my bicycle forward to say hello.
"Yes, what a coincidence, Lili Momon is here too!"
Another aunt also pushed a shared bicycle to buy groceries, but the color was different, it was an orange Bicycle.
The two aunts were fashionably dressed, with brightly colored silk scarves tied around their necks. They looked like respectable people. The two began to chat enthusiastically.
Jun Jun’s mother asked with a smile on her face:
"It's almost the end of the year. What kind of year-end bonus does your unit give out?"
Lili's mother shook her head and sighed:
"Hey, it's getting worse year by year. After the central government issued eight regulations, our Environmental Protection Bureau can only get some shopping cards for the New Year.
It’s completely incomparable to what it was before. In a year or two, I think it’s better to apply for an early retirement and go to Australia for retirement.”
Jun Jun's mother was a little angry. After so many years, this old classmate still loves to show off her superiority. Then she said not to be outdone:
"Public institutions are still good. Although the wages are a bit low, they are more stable.
But then again, the management from above is strict now, and the welfare benefits of public institutions are not as good as before.
For example, when I work as an accountant in a foreign company, my salary is several times higher than yours, but it’s tiring!
Junjun has now settled down in the United States. He has become a doctor and has a family. He has also bought a car and a house. He asked me to go to the United States for retirement..."
"Junjun became a doctor? How much is a monthly salary in US dollars? Lili is now working as a lawyer in Australia. Her starting salary is 80,000 Australian dollars, which is equivalent to an annual salary of nearly 400,000 yuan..."
Lili's mother heard that her old classmates were showing off there, so that was okay, so she quickly moved her daughter out.
Then the two of them continued to bicker with each other, and you and I were at each other's throats.
After comparing each other's work, we then started comparing our daughters, husbands, and finally on shared bicycles...
"Lili's mother, the shared bicycle you are riding is not good!" Junjun's mother patted the bicycle beside her and said:
"Look at my BiMo bicycle. The manufacturing cost is 3,000 yuan per bicycle, while the Huimin bicycle only costs 1,000 yuan! The quality is definitely not as good as this BiMo bicycle."
"Hey, no matter how expensive this bicycle is, it belongs to someone else! We just rent it and ride it for an hour or two, how can we be so particular about it?"
Jun Jun’s mother started to change the topic again and said quite proudly:
"Hey, you have to spend money to ride a Mobike! I ride a Huimin bike for free, and I can still make money!"
"No money? Why don't you dismantle someone else's smart car lock?"
Lili’s mother, let me tell you, we are qualified citizens of Magic City in the new era, you can’t do such a dishonorable thing?”
Jun Jun's mother said so, but she was not idle at all in her work. She shook her body and carefully observed the lock of Huimin's bicycle.
If you find evidence, you can ridicule your old classmates again. Let's see how you can be arrogant to me!
After observing for a long time, I found that the car locks were all normal.
Jun Jun's mother was a little surprised, why did she say that?
She heard some people say that if you want to ride a shared bicycle for free, you should look for one without a lock, so you don’t need to scan a code to unlock it, and there is no need to charge.
"Hey, don't look at it. The car locks are all good, and I am a good cadre who obeys the law. How could I do such a dishonorable thing?"
Lili's mother waited for Junjun's mother to explore Huimin's bicycle inside and outside before she said these few words, just to see her old classmate get into trouble.
"Hey! I'm just talking. Lili's mother is so enlightened, how could she do that kind of thing!"
Junjun's mother laughed a few times, trying to resolve the embarrassment.
"Then what do you mean by making money? Can you still make money by riding shared bicycles?"
Jun Jun's mother quickly asked this question again. She was really curious.
"Hey, did you see that in the "My" column of the Huimin Bicycle APP, there is a "Deposit Financial Management"? Don't you need to pay a deposit of 299 yuan first to ride a shared bicycle? You can use the 299 yuan to buy financial products."
Lili's mother took out her mobile phone, opened the Huimin Bicycle APP, and started to demonstrate it to her old classmates.
Jun Jun's mother also leaned next to her and watched her demonstrate on her mobile phone.
"Isn't that right? If I spend 299 yuan on financial management, how much profit can I get?
The bank's annual fixed rate is 2%, the government bond rate is 4%, and the money fund purchase is also 4%-5%.
This 299 yuan investment will only yield a maximum of 12 or 3 yuan a year, right?"
Junjun’s mother feels that she was deceived by Lili’s mother. Can this amount of income be called making money?
"Hey, don't be impatient! Just listen to me."
Lili's mother rolled her eyes at her. After all these years, this old classmate is still so impatient.
Lili's mother continued to click on the deposit financial management entrance, and the page jumped, and a financial product popped up. The advertisement description page said "Huizhuobao, a money-making baby, with an annualized income of 5%-11%." She turned around and looked at
Jun Jun’s mother said:
"Did you see it? Huizhengbao, the annual return is 5%-11%."
“Why is the rate of return still floating?”
Although Jun Jun's mother couldn't understand, she was very interested and asked again.
“No, this shows that the longer you save, the higher the rate of return!
Deposit within one month, interest will be calculated at 5%.
Deposit for 1-2 months and earn 5.5% interest.
For each additional month, the interest will increase by 0.5%.
If you save enough for 12 months, which is one year, the highest rate of return is 11%."
Lili's mother clicked on the explanatory advertisement and read it to Junjun's mother.
"Wow, the 11% yield is so high! It's more cost-effective than depositing in a bank, buying treasury bonds, funds, etc."
Jun Jun's mother's eyes widened and she said with a surprised look on her face.
"That's a must! Now you know it! Huimin Bicycle is the best bicycle, much better than your Bicycle."
Lili's mother was very satisfied with Junjun's mother's reaction, so she added another blow.
"That's not right! The principal of 299 yuan, the yield of 11%, is less than 33 yuan a year!
Just earning 33 yuan, can this be called making money?
Lili’s mother, I’m not telling you, can you value just this small amount of money?”
After Jun Jun's mother understood what her old classmate meant by "making money", she was very disdainful.
Lili's mother was not happy when she heard this. She opened the Huizhaobao account, handed the phone to Junjun's mother and said:
"Haha, I saved 100,000, what's the profit shown?
Of course you can’t make any money with 299 yuan! Just invest more.”
Junjun’s mother looked at Lili’s mother’s phone and said in surprise:
"It's not 100,000. I see it's shown as 100068.49?"
"I have been saving for 5 days, and the fraction of 69 yuan is the profit."
Lili's mother smiled slightly, feeling quite proud that she had found a good financial channel.
"Is it so good? I also want to save some money." Junjun's mother looked eager to try. But then she considered the risk and asked:
"Is there any risk in investing money in this?"
"There are so many risks!
As mentioned above, funds can be transferred in and out with the same card. The money you recharge can only be withdrawn back to the bank card in your name. Anyone who finds your mobile phone cannot steal it."
Lili's mother said impatiently, thinking to herself, "You are afraid of wolves before and tigers after, so you should forget about depositing money in the bank!"
Jun Jun’s mother nodded and said:
"This is quite safe. I am just worried about the misappropriation of funds. Do you know who is running Huizhaobao? What is the background of the company?
Are the shareholders any state-owned enterprises? Banks? Listed companies?
There are too many scammers online now. If you are really cheated, it will be too late to regret it.”
Lili’s mother was not convinced and retorted:
“As mentioned above, Huizhaobao is jointly developed and operated by Huimin Bicycle and Ruimin Financial Management.
According to Huimin Bicycle News, it has just completed US$125 million in financing, and its valuation is claimed to be over 4 billion.
I checked online and found that the actual controller and chairman of these two companies are Zhang Yida.
Does Zhang Yida know?
He was featured in "Interviews with Yang Lan" some time ago and was called China's youngest billionaire.
It is said on the Internet that his net worth exceeds US$5 billion. If his company is so big, would he value your money?"
Jun Jun's mother was shocked and said:
"Is their boss so powerful? I've never heard of him? He's worth over 5 billion US dollars?"
"I told you to watch less Qing Dynasty dramas and more news. You don't even know this.
Zhang Yida has a company called Ruixiang Group, with a valuation of over 10 billion U.S. dollars, and he just received several billion U.S. dollars of investment from Penguin, so he is very rich."
After saying that, Lili’s mother pointed to the QR code on the market stall and said:
"Did you see that QR code? Mobao Pay QR code is also a mobile payment project developed by others.
These are just the tip of the iceberg! Their companies are very big!"
"That's indeed powerful. I'm telling you, as a smart person like you, you definitely wouldn't invest 100,000 yuan foolishly.
It turns out that the investigation has been completed a long time ago!"
Jun Jun’s mother quickly praised Lili’s mother.
Lili’s mother was very proud and said:
"How about it? Do you want to invest in one and give it a try?"
Jun Jun's mother was a little hesitant and wanted to think about it again.
Seeing this, Lili's mother quickly added:
"Now this Huizhanbao has just been launched and is still running activities. The first one million users invest 299 yuan in deposit for financial management. If they invest for one year, they can ride shared bicycles for free for half a year.
It has only been five days since the event started, and already 500,000 people have invested. It is estimated that the event will be gone in a few days.
Think about it, you have to ride a bicycle to buy groceries every day, and one ride costs one yuan. If you ride for free for half a year, you can save 180 yuan.
Isn’t it delicious to buy ribs for 180 yuan?”
The last sentence hit Junjun's mother in her heart. She thought, "That's right! Invest 299 yuan a year and earn 180 yuan. Isn't it a great deal?"
So she no longer hesitated and was about to take out her mobile phone to download the Huimin APP. Lili’s mother stopped her and said:
"Don't rush to download it yet! I'll send you an invitation link on WeChat. It will be more convenient for you to register."
After saying that, Lili’s mother hurriedly shared a link from the Huimin Bicycle invitation page to Junjun’s mother.
Then, Lili's mother taught her step by step and spent ten minutes helping Junjun's mother complete the purchase of a deposit financial product for 299 yuan.
After finishing the purchase, Lili’s mother said to Junjun’s mother:
"There is also a coin money fund next to the deposit financial management. If you are not sure about buying financial management, you can buy it.
The income is also good, a little over 4%, which is similar to Yu’e Bao. It is managed by a fund company and is very safe.”
Junjun's mother nodded repeatedly, looked at the Huizhengbao account on her phone, and showed a satisfied smile.
After the two broke up, Lili's mother took out her mobile phone and looked at a red envelope coupon lying on the Huimin Bicycle APP. There was a description on the coupon: invest 10,000 yuan and get a 100 yuan discount.
Lili's mother also showed a satisfied smile, hey, I got the invitation reward.