In the military camp, Huang Jixiong was lying down and resting with plenty of food and drinks. Today, the supervisory government rewarded the army. The soldiers slaughtered pigs and ducks. It was a rare opportunity for everyone to eat freely. Huang Jixiong was given one catty of meat and one catty of wine, and it was so delicious.
What a pleasure.
At this time, I patted my full belly and held the money bag in my arms, feeling like a dream.
Team deputy Lao Xu walked in and asked him directly with a smile if he wanted a wife.
"Of course my wife wants it."
"Just want it. I'll sign it up for you and I'll get one for you later. I'm telling you, it's good to sign up now to find a wife. The military camp will help you find a wife. The bride price for a wife can be less than ten taels of silver. Maybe it's less than ten taels of silver."
Five or six taels will be enough. When the wedding is held collectively, you don’t have to pay for it yourself. The military camp will provide it. In addition, the betrothal gift will supplement one month’s salary, and the military camp will give the woman another month’s salary to pack the dowry.”
"You may not have to spend a penny to find a wife, and you can bring back some money if you get a free wife."
"How could such a good thing happen?" Huang Jixiong chuckled.
In the end, Old Xu said, "I used to be in the Shipu guerrilla camp, and then I was incorporated into the Banner Camp with the Northern Expedition. I used to be a bachelor at the age of thirty like you, but I just found a wife in Jiaxing, and the imperial camp helped me find it."
, I didn’t pay a penny, and I still made two taels of silver at that time. Now my wife is pregnant, and she has been sent back to her hometown in Shipu to raise the baby..."
Huang Jixiong's heart moved and he sat up straight, "Captain Xu, are you telling the truth?"
"Then I'm still full and have nothing to do to lie to you."
"Then I'll sign up." What Huang Jixiong wants most now is a wife.
He still has some doubts in his heart. Is such a good thing really possible? He was given a wife for nothing, and even paid for it. He must have calculated the money in his arms as a handout, but if he could really get a wife, he would take the money away.
, he thought it was okay.
Originally, he had planned to find someone to marry a girl from one of the wealthy families that had just been confiscated.
"I'll sign up for you first, but this is His Highness's benevolent government. The imperial camp has to subsidize a lot of money, so they have to come in batches. Third-class soldiers don't have this kind of benefits. They have to be at least second-class soldiers, and those who are usually on duty have to be given priority.
Those who are active in training, brave in battle, and loyal and obedient must follow them first, one by one."
Huang Jixiong was stunned when he heard this. He had just entered the imperial camp and was a third-class soldier.
"I have been observing you, boy. You behave well in plain life, you are honest and honest, you don't play tricks, and you are also good at fists, feet, swords and guns, so I and Captain Zhao have already reported to the superiors that you are one of the batch of second-class soldiers. No.
If there is an accident, it will be announced soon."
This is really a blessing.
Huang Jixiong's face turned red with excitement.
When a third-class soldier is promoted to second-class, he can earn one penny a day, which is an extra three cents a month. What's more, this also means that a second-class soldier is eligible to line up to get a wife.
"Captain Xu, thank you so much," said the excited Huang Jixiong as he touched the money on his body, but Old Xu waved his hand, "Don't hurt me. Our imperial camp has good treatment and strict rules. If you dare to eat the blood of soldiers, you will die."
of."
"By the way, if you register and queue up by then, you have to pay five silver dollars first, which is the bride price. Of course, the camp will also give you a wedding subsidy."
Huang Jixiong quickly touched the money.
"Don't worry, wait until your name is signed in before you hand it in. By the way, you have received your salary now. It is not safe and convenient to carry this money with you. In fact, it can be stored in the imperial camp. Just pick it up when you need it.
And there’s interest.”
"We save money at Yingliangtai, and we can deposit and withdraw money at any time, but no interest is included. The fixed term is three to six months, ranging from one year. The minimum three-month term is two cents per year, and the maximum for large amounts is
Five cents annual interest."
Huang Jixiong was surprised that he didn't expect there would be interest. If he deposited all his 20 taels of silver dollars in the grain bank, and deposited them regularly for a year at most, then he would get 5 cents of interest per year. Wouldn't the 20 taels of silver have a profit of one tael a year?
However, he hesitated a little, feeling that if the money was placed elsewhere, it would not be so safe.
"Don't worry, this is our own grain counter, not an outside bank or pawn shop. When you deposit money, you will be issued a voucher. When you withdraw money, you have to verify it with your military badge. No one can pretend to claim it."
Huang Jixiong nodded.
At this time, there were many banks outside, including pawnshops, even gold and silver shops, and grain shops that also took in deposits, operated businesses, or made loans. For example, pawnshops were not only pawning, but more importantly, lending. Pawns were just a kind of mortgage.
Lending, mainly engaged in lending business, naturally requires a large amount of principal.
Most of the pawn shops at this time had a relationship with the government yamen, and put the various treasury funds in the yamen in the pawn shop as loan principal. Of course, they also had to pay interest on the deposits. Even because it was the government's money, the interest was repaid.
Not low, many wealthy gentry, merchants and wealthy people also keep their private money in pawnshops.
Some big bureaucrats directly put their money in pawnshops and use the funds as live stocks to pay dividends, or even exchange them for banknotes that can be cashed at any time, which is equivalent to recovering the principal at any time. Some big pawnshops even issue banknotes that can be redeemed.
It can be circulated directly and can be redeemed immediately upon seeing the ticket.
The interest rates in pawnshops are relatively high, and the interest rates on deposits are more than one cent per month, and the annual interest rate is at least twelve cents. Of course, the interest rates they lend are higher, with the lowest being three cents per month. Moreover, it is a mortgage loan, and it can only be used as a mortgage.
Half or even one-third of the value of the property can only be paid for a short period of time, usually half a month to six months, rarely more than six months, and less than the New Year.
There are many gold and silver shops, banks, etc. in various places that also operate deposit and loan businesses. They mainly focus on credit loans, but they are basically short-term loans, and the interest rates on deposits and loans are lower than those of pawn shops.
Even many businesses and stores also collect deposits. They mainly raise funds for their own operations, which is similar to corporate bonds. If you deposit your money with me, some will give you interest directly, and some will pay dividends based on live shares.
, anyway, these days, industry and commerce are developed, and financial business has become very complicated.
Compared with pawn shops, where the monthly interest on deposits starts at 1 cent, the annual interest rate for soldiers deposited by Yuying Liangtai only starts at 2 cents, which is equivalent to six times. However, pawnshops outside generally deal with large deposits of official banks, bureaucrats, wealthy gentry.
Liangtai gives two points, with a maximum of five points. This money is used to collect savings. Liangtai is mainly equivalent to borrowing it for oneself, so one has to bear the interest, which is equivalent to a low-interest loan.
Zhu Yihai had borrowed money from Zhang Guojun at a monthly interest rate of three cents, and the annual interest rate was 36%, which was far higher than this.
Huang Jixiong understood the simple explanation, but he was still a little doubtful.
“Do I have to save it?”
"This must be up to you. Although this dragon silver is more convenient to carry than silver bars, it is not safe to carry with you. If it is lost or stolen, it will be troublesome. It is definitely safer to store it on the grain table.
To put it bluntly, if unfortunately you die in battle, the money will be on the grain account and will be given to our family when the time comes. But if we carry it with us and die in battle, who knows who will sweep it away on the battlefield?"
So Huang Jixiong began to hesitate between demand deposits and fixed deposits again. Demand deposits were interest-free, and fixed deposits only had annual interest of two cents for three months.
If there is more than five taels, there will be three cents interest in six months.
Saving more than ten taels a year is even higher, with four points.
A deposit of more than 100 taels is considered a large certificate of deposit, and you will receive five-cent annual interest after depositing for one year.
You can use your current account at any time, which is convenient, and you can earn a lot of interest.
If you save it for more than a year, you are afraid of trouble when you need to use the money. If you take it out before it expires, you will lose interest.
"You have twenty taels of silver, right? Let me teach you. If you deposit ten taels of silver regularly for one year, you will get four cents of interest. Then if you deposit five taels of silver on a regular basis for half a year, you will get three cents of interest.
In the end, there are five taels left to survive, so you can take it at any time.
"This is how I save." Lao Xu made a brain alliance and divided the money on hand into current deposits and deposited several amounts on a regular basis."
"Captain Xu, is it safe to put the money on the grain rack?"
Old Xu laughed and said, "The first deposit I made has paid interest for two months. You are still hesitating about whether it is safe or not. Unless the Tatars conquer our world, there is nothing unsafe. If they really want to conquer our world,
Even if you have money, your life will be wasted."
Huang Jixiong doesn't agree with all this. If the Tatars dominate the world, don't they still have to have people to farm the land and serve as soldiers? The people just change the emperor, but this can't be said casually.
He thought about it carefully, Lu Jianguo was a good emperor, at least no one had given money to soldiers like this before, so there should be no problem keeping the money with Jianguo.
On the same day, he sent the twenty-nine taels of dragon silver in his arms to the grain counter. Old Xu took him there, and it happened that the person who registered him was the same scribe who had issued the silver to him last time.
After smiling and introducing him to the interest rate of depositing money and the method of withdrawing money, he registered and had his fingerprints pressed, and finally gave him a deposit check, "When you withdraw money, you must bring your military ID, bring this note, and sign it."
You can only withdraw money by making a deposit, and others cannot collect it on your behalf."
"What if I die in battle?"
"The imperial camp will handle it for you, and the money will be handed over to the people above according to the information you have left."
"What if I lose this note?"
"As long as you come in person, if the ticket is lost, you can still collect it after verifying your identity. It just costs an extra step."
Finally, Huang Jixiong deposited 20 pieces of dragon silver into three levels as Lao Xu said, 10 taels on a one-year basis, 5 taels on a half-year basis, and 5 taels on a current basis.
In the end, I had nine pieces of silver left with me.
Seeing the money being put into the counter, Huang Jixiong felt empty in his heart.
He solemnly put the deposit ticket into his arms and left with three turns.
Fortunately, things went smoothly next. Three days later, the camp announced that Huang Jixiong was successfully promoted to private. From the month of promotion, he received the monthly pay of a private, which is one cent and four per day, four and two cents per month. Now he is getting half pay.
So if you can actually get two or two, you have to press the remaining half first.
But this also made him quite satisfied.
Everyday life consists of training, eating, sleeping, and then training, eating, and sleeping again. There is a rumor in the camp that Jian Guo is taking everyone to attack Hangzhou, but there has been no notice from above. The officers are training the soldiers hard.
Then several batches of weapons were gradually added to the camp.
Huang Jixiong also received a brand new set of military uniforms. After everyone put on the uniforms, the fiery red military uniforms added a bit of toughness and looked more powerful.
A few days later, after the morning drill, Lao Xu called him and a few soldiers over and told them the good news. The wives he found for them had arrived in the camp. They were the first batch to be qualified and they were given half a day off.
, take a good shower, shave and trim your beard, put on clean clothes and go on a blind date in Yanzhou City.
"I heard that there are a thousand girls this time. Depending on your fate, each of you will have three chances to be photographed by yourself. If you choose three times and the girls don't like you, then you will have to accept the match from Yuying in the end.
"
Huang Jixiong asked everyone who was eligible for the blind date this time. After finding a wife, he was very excited. No matter whether the girl fell in love with him or not, at least one was guaranteed to be arranged in the end.
"Go back and tidy up, don't lose the members of our team. It would be embarrassing if someone else's girls end up picking the rest and forcing them to match up. I will punish you by sweeping the toilet for a month when you come back!"
Both men and women can freely choose three times. If neither party agrees three times, the army can only force a pair to be matched. Anyway, this time a thousand girls came directly from the mountains from all over the country, and the army also selected a thousand.
Royal camp soldiers.
"One more thing, these girls are not bought, but are bought by the prison government for you. After you get married, treat them well. If anyone treats his wife badly after marriage, or even beats and abuses his wife, then