As night falls, the lights come on.
He Xin accompanied customers to view houses and was busy until 7 o'clock in the evening before she left work.
Because I ran around and walked too much, my heels hurt so much that I could hardly stand.
He Xin looked around and couldn't help but sit on a bench to rest her feet.
"I'm so tired." She leaned back in her chair and sighed.
Having said that, a hint of joy appeared on his face.
The hard work is worth it, and she completed four more orders today.
A middle-aged couple was eager to buy a school district house to facilitate their children's further education and admission to a prestigious school. After looking at three properties, they made a quick decision, fearing that the house they liked would be snatched away if they were late.
A real estate speculator hopes to purchase a property with great appreciation potential and sell it for a profit in the future.
In order to take him to see the house, He Xin almost ran her legs off.
However, after visiting seven properties, the other party bought three houses without saying a word.
So even though I am tired, I am happy in my heart.
He Xin thought that her excellent performance and generous commissions were worth all her hard work.
The evening breeze brings a hint of coolness.
Recalling the cold real estate market two years ago, He Xin had to make phone calls and invite people to view houses every day. She felt that it was better to be busy.
The property market is booming recently, and her income is very high. If she can hold on for a few more years, she will be able to buy her own house.
Thinking of the bright future, He Xin's waist and legs no longer felt sore and she felt stronger when walking.
Just as he was about to get up, a female voice sounded faintly, "You're going bankrupt."
He Xin was startled and subconsciously looked in the direction where the sound came from.
There was a man in a suit sitting on the bench, looking at her seriously. "My name is Yun Luo, and I'm here to help."
The little man in a suit suddenly appeared and could speak, which looked quite strange.
But He Xin was always bold. She was not afraid at all, but curiously asked, "You said I'm going bankrupt? Why?"
"Your mother fell into a financial trap." Yun Luo said word by word, "Given her financial situation, she will be burdened with heavy debts. As a child, you are likely to be implicated. If you repay on her behalf, you will go bankrupt immediately."
"She again..." He Xin blurted out.
He stopped talking halfway through.
After glancing at the man in the suit, she didn't bother to say anything more. She grabbed the bag and hurried home.
Yun Luo: “…”
He has led so many hosts, but this is the first one who forgot to take the golden finger with him.
Fortunately, she is an intelligent system.
**
Just after 7:30, He Xin arrived home.
"You're back?" Mother Zhang Ping was sitting on the sofa watching TV. "Dinner is still hot. You can take it out and eat it."
"I'm not hungry. I'll eat later." He Xin pursed her lips, walked to the sofa, and said in a deep voice, "Mom, let me ask you, have you been cheated of money again recently?"
"Little kid, why do you talk nonsense as soon as you come back?" Zhang Ping's eyes dodged, looking left and right, not daring to look directly at her daughter.
He Xin had been cheated more than once. Just by looking at her mother's expression, she knew this was the truth. She was immediately furious, "How many times have you been cheated? Why don't you learn your lesson?"
"It's different this time!" Zhang Ping retorted subconsciously.
When she realized that she had let the cat out of the bag, her face turned red, and she was quite embarrassed. Then she turned her head away and said in a muffled voice, "I know someone who knows about this business, and I'm sure I can make money this time."
"Oh." He Xin sneered, "I said the same thing when I bought health supplements last time. And when I bought jade before that, I said my friend was knowledgeable. What happened?"
Zhang Ping fell silent immediately.
When I bought health supplements, someone said that this product was very popular recently. They bought the products from the factory and then resold them, making a 30% profit!
Zhang Ping thought that she had nothing to do at home after retirement, so she might as well start some business to supplement her income, so she agreed.
As a result, when I got the goods, I found that I couldn’t sell them at all!
A box of health supplements costs five or six hundred yuan, and they claim to have miraculous effects after drinking them. It sounds like a scam and no one buys it.
With the goods stuck in her hands, Zhang Ping was too embarrassed to recommend the wine to her relatives, so she had to keep it for herself.
The last time I bought jade was when I was traveling with a tour group.
Jade gambling is popular there, and people often become rich overnight.
Zhang Ping was jealous of the legend of getting rich quickly. It happened that a businessman in the tour group said that he often came here and was quite knowledgeable about this business. So she spent 10,000 yuan and bought a piece of jadeite from him, hoping to get some benefits.
When the stone is cut open, there is jade inside, but it is the lowest quality material for making bricks.
To put it simply, if the original stone costs 10,000 yuan, the jade inside can be taken out and made into tourist handicrafts, and the total value is no more than 600 yuan...
He Xin always lost money in investments, and from then on she felt a headache whenever she heard her mother say "you will get rich" or "you will make money".
In her opinion, this is not making money, it's just throwing money into the river!
"This time it's really different." Zhang Ping argued, "I didn't understand before. I didn't know that I had to try it before I made a big bet. This time I learned my lesson. I tried it in advance and found no problem, so I decided to buy it."
Even though supernatural events have occurred and reminded her that she is about to go bankrupt, is it okay?
He Xin was very tired after a busy day. She wanted to have a meal, take a shower, and go to bed after returning home. But after this incident, she had to cheer up and "explain clearly what happened."
Zhang Ping did not dare to hide it. "Two months ago, I received a call saying that the store was opening and holding an event. Every customer who came to the store would receive a coin."
"That's not an ordinary coin! It's a collectible. One coin can be sold for twenty or thirty!"
"I thought it would be a good opportunity if I didn't take advantage of it, so I went."
"After I walked in, the salesperson told me that investment in collectibles has been very hot in recent years, and everyone who dared to invest has made a lot of money."
After hearing this, He Xin couldn't listen any longer.
She growled angrily, "Didn't I tell you to stop dreaming about getting rich? If you have spare money, just deposit it in a fixed deposit or buy some financial products."
Zhang Ping stammered, "I know... you told me this several times... I didn't believe it at first. But..."
When He Xin heard the word "but", she knew that there was nothing good to say afterwards.
As expected.
Zhang Ping continued, "The salesman said that good collectibles can increase in value by 120% a year. Ordinary ones can also gain 30%-40% a year. He said such exaggerated things that I couldn't help but buy one..."
"What happened next?" He Xin tried hard to hold back her anger.
Zhang Ping continued, "The black jade pendant I bought originally cost 4,800."
"He said that as time goes by, the value of the collectibles will get higher and higher. When you don't want them anymore, you can sell them back to the store."
"I didn't believe it at first, but when I returned the jade pendant a week later, they accepted it and offered 4,850 for it."
"One buy and one sell, and I have 50 yuan. How easy is it to make this money? It would be a shame not to make some!"
He Xin watched coldly, thinking, it's easy to make money? It's also easy to lose all the capital.
"What happened next?" she demanded.
Zhang Ping confessed honestly, "I tried twice more afterwards. Once I bought a gold-inlaid jade Guanyin pendant for 6,500 yuan, and once I bought a 'wealth-bringing' gold bar for 8,000 yuan. I held it for a month and sold it for 6,700 yuan and 8,250 yuan."
"And you believed it?" He Xin's forehead was throbbing with veins. "What did you buy later?"
Zhang Ping whispered, "...the dragon and phoenix necklace, dragon and phoenix ring, dragon and phoenix earrings, and dragon and phoenix bracelet are all gold jewelry, masterpieces of masters, and are of great collection value."
He Xin: "How much?"
Zhang Ping lowered her head. "The necklace is 60,000, the couple's rings are 60,000, the earrings are 20,000, and the bracelet is 80,000."
A total of 220,000.
He Xin was so angry that she couldn't speak. After a long while, she asked, "Where did you get so much money?"
Zhang Ping lowered her voice and answered vaguely, "I have savings... and I borrowed some money from others."
He Xin knew very well that this "borrowed money" would probably require her to use up all the savings in her name to pay off the debt.
Fearing that her daughter would blame her, Zhang Ping quickly changed the subject, "Look, I've tried it several times and confirmed that this store is reliable."
Confirm the ghost.
He Xin asked, "Where are the things?"
"In my room." Zhang Ping went back to her room to get the gold jewelry, and then displayed it like a treasure. "Look, these jewelry are so beautiful!"
He Xin checked them one by one, "Are they all pure gold?"
"Yes." Zhang Ping answered loudly, "It's all pure gold! I had it tested!"
Without waiting for her daughter's response, she said happily, "The salesperson said that the price is expected to double next year. When the time comes, I will return the jewelry, pay off my debts, and give you the money as a dowry!"
Zhang Ping's eyes were sparkling, and she obviously had beautiful visions for the future.
After the inspection, He Xin announced expressionlessly, "You have been deceived."
Zhang Ping, "???"
"Impossible!" she retorted loudly.
In order to avoid repeating the same mistake, she was extremely cautious and made sure there were no omissions.
"There's no need for me to lie to you." He Xin said coldly.
"Do you know how to calculate the price of gold jewelry? Current price of gold * weight in grams + labor cost."
"According to the estimated weight, the necklace is 25,000, the couple's rings are 15,000, the earrings are 5,000, and the bracelet is 25,000. The total value is no more than 70,000, and you spent 220,000 to buy it, and you still treat it as a treasure!"
He Xin was almost mad with anger.
Zhang Ping didn't believe it. "They said this is a masterpiece, the only one left in the world! How can ordinary gold jewelry be compared with this kind of collection?"
He Xin said word by word, "For a listed company and a work by a famous artist, the labor cost is generally around one thousand."
"For small items, the labor cost ranges from 80 to 200."
"The item costs 25,000, and the labor costs 35,000. Do you think it's possible?"
Zhang Ping was speechless.
After a moment of shock, she still couldn't believe it and kept repeating, "But the store is willing to buy it back at a high price! How can it be a scam?"
He Xin laughed sarcastically, "It's just buying it back at a high price, trying to trick you into spending money on collectibles!"
"Look, the jade pendant is 4,800, the gold-inlaid jade Guanyin pendant is 6,500, the gold bar is 8,000, and the dragon and phoenix gold ornaments are 220,000. The things you buy are getting more and more expensive. Aren't you being cheated?"
"I make 50 yuan from the jade pendant, 200 yuan from the pendant, and 250 yuan from the gold bar, which adds up to 500 yuan. Once the store is gone, the dragon and phoenix gold jewelry will rot in my hands, and I will lose 220,000 yuan!"
"Even if other gold shops have the business of recycling gold, the recycling price is slightly lower than the market price, not including the labor cost. I bought something for 220,000 yuan, but in the end I could only sell it for 60,000 yuan, a net loss of 160,000 yuan!"
a bolt from the blue.
Zhang Ping was stunned, trembling and mumbling, "How could this happen?"
"I've told you that everything you come into contact with is a scam, don't touch it, why won't you listen?" He Xin was furious, "You always think about getting rich overnight, and the money you lost is enough to cover your family's expenses for a year!"
"Why can't you live a more down-to-earth life?"
"I work hard outside to make money, and you retire and stay at home, doing nothing but holding me back!"
Zhang Ping's eyes were red and her voice was choked with sobs. "I, I also want to make more money to add to your dowry..."
He Xin was so tired that she couldn't express it. "It's fine if you want to make money, but can you do it through legitimate means? I have to clean up your mess every once in a while, and I'm almost exhausted."
The author has something to say:
Author's Science
On January 29, many provinces included suspected patients of novel coronavirus pneumonia in the scope of medical insurance, and they enjoy free treatment on the same basis as confirmed patients. (Previously, they paid for it themselves)
On January 27, the xFubao insurance platform established a "health guarantee fund" for medical staff across the country. During the epidemic period recognized by the National Health Commission, if medical staff are unfortunately infected with the new coronavirus pneumonia while fighting the epidemic, they can apply for a 100,000 yuan guarantee after being diagnosed; if they unfortunately die of the disease, they can apply for a 500,000 yuan guarantee.
On January 31, the "Xiang Hu Bao COVID-19 Special Protection" was launched on the homepage of "Xiang Hu Bao". After joining Xiang Hu Bao, all Xiang Hu Bao members, if diagnosed with COVID-19 and unfortunately die, can apply for a COVID-19 special protection fund of up to 100,000 yuan. All costs of the special protection will be borne by Ant Financial, and Xiang Hu Bao members do not need to share.
**
Someone asked, is it too late to buy insurance now?
There is a waiting period when purchasing insurance.
During the specified period when the insurance contract is effective, the beneficiary cannot obtain insurance compensation even if an insurance accident occurs. This period is called the waiting period.
Generally speaking, the waiting period for critical illness insurance is 90-180 days, and the waiting period for medical insurance is 30 days.
It only applies to the first year, starting from the effective date of the contract, and there is no waiting period for renewal.
Why is there a waiting period?
To prevent the insured from defrauding insurance while having illness.
Buy insurance regularly to get comprehensive protection, and the insurance will pay out if something goes wrong.
I usually think insurance is a scam, so I don’t buy it. When something happens and I need insurance to pay, it’s too late to buy it.
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