107 107 Gossip
◎Extra! The legendary kings.◎
The method of "money making money" that Mo Yu studied was actually inspired by the way that ordinary people want to invest and manage their finances.
If a modern person wants to invest and manage his finances, the first thing he must do is to find a reliable bank.
But there are no banks in this era, so what should he do?
It doesn't matter, although there are no banks, there are money houses and bill shops.
So what stage have the legendary Ningbo money houses and Shanxi bill shops developed to now?
Mo Yu summoned System 006 to check and quickly figured out the current situation.
It turns out that there are four major banks in the capital, all of which start with the word "Heng", and are known as the "Four Hengs". However, behind these four banks is a family, and all of them are held by relatives from Cixi, Ningbo. So this is the origin of the legendary Ningbo bank, and it is indeed a family business.
Moreover, these banks are not only engaged in bank business. This awesome family is very good at management. Not only do they run banks, but also pawnshops, gold shops, jewelry and other businesses.
They not only run their own family members, but also use relationships such as fellow townsmen and in-laws to try to recruit powerful people, so that they have formed a very strong resource base, which is a large network of people and wealth.
Under this big network, they can even do "all deposits and all redemptions" and "unsecured loans", which really have the prototype of modern banks.
Among these pawnshops, there is one that belongs to the Xue family, known as "Heng Shudian". In the original book, Xue Baochai once specifically mentioned that this pawnshop located on Gulou West Street is their family's business, and for this reason, she even specifically mentioned it in front of Xue Ke's unmarried wife Xing Xiuyan - joking that the girl took her winter clothes to pawn, but it happened to be pawned in their Xue family's pawnshop.
Really, there can be a better way, but it has to be like this, leaving people at a loss for words.
In addition to the "Four Hengs", there are some other small money houses, but they are not popular, and everyone uses the "Four Hengs" for banknotes.
Originally, the Xue family also had a money house. Although the scale was not as large as the "Four Hengs", it was much better than those small money houses.
Unfortunately, when it came to Xue Pan's generation, even when his background had not been exposed, he could not convince the public. Not only was he too young and had no experience, but he was also useless.
In the past few years since they were orphans and widows, their family property had been divided up by their clansmen.
Many shops in the capital and other places were also swept away and went bankrupt by the shopkeepers.
Only this pawnshop "Heng Shudian" was still barely supported, because the shopkeeper of this pawnshop was Zhang Dehui, a relative of Xue Pan's foster father, Lao Zhangtou. Thanks to this relationship, they finally did not defraud their family too much.
But as for the money house, it must have been bought out long ago.
This is how business works. If you don’t have the ability, you’ll just be a sucker even if you have money.
Only people who are both rich and capable can enter that circle. In many cases, being capable is more important than being rich. For example, you can make money for yourself with your own ability.
But if you only have money, it won’t work.
Then it will just be “stupid people, lots of money, come quickly”.
The Xue family is obviously a typical “stupid people, lots of money, come quickly”.
After Mr. Xue died, their family quickly declined, and now it seems that the outside show can no longer be maintained.
In this situation, they can only rely on their past reputation to deceive some ignorant women and children like Xia Jingui and her daughter, who are from impoverished families. They have no status in the upper class circles.
Although the second elder of the Xue family has taken over now, the situation is gone after all. No matter how hard they struggle, they can only survive.
Let's see if Xue Ke and Xue Baoqin can make the Xue family rise again.
Anyway, it will be all as long as the second elder of the Xue family can maintain their status and not continue to slide down.
After analyzing the current financial situation, Mo Yu quickly found a business opportunity - the famous Shanxi Piaohao has not yet fully developed.
It's not that the Jin merchants have no money, it's just that the right time has not come yet.
This kind of thing is always based on the prosperity and development of private commerce, and it will happen gradually.
If the time is not ripe, it will definitely not work if you just force it.
But now that money houses have developed to such a scale, I believe that the ticket houses will soon come.
Especially since money houses can "deposit and withdraw money" and even issue loans, they are basically small banks.
If the business of the ticket houses is added, it will almost be completed.
In fact, according to Mo Yu's habit, if there is spare money at home, it is best to use it for financial management. The so-called financial management is just another variation of banks taking deposits and lending.
In essence, you still have to rely on banks to help you make money.
Now that there is a bank and a banknote house is about to be established, why not give it a push and make it happen faster?
This is not "forcing things to grow", but "letting things take their own course".
At most, it is just borrowing the east wind, and this is also to make more money.
After Mo Yu collected the information, he began to think of ways to implement this plan.
Unexpectedly, as soon as he mentioned it to Jia Min, Jia Min understood it immediately:
"Do you want to lend money at high interest?"
Mo Yu: "Huh?"
Then Jia Min enthusiastically explained the principle of "loan" to him, and told him:
"Our father is the deputy chief of the Censorate, Mr. Shi, who hates evil the most. We can't make dirty money for a little profit."
Mo Yu was a little amused when he heard her say that.
Just now, he was still amazed that she actually knew the principle of "loan", but now he thinks his cheap mother is really cute - how can he explain that as long as it is not high interest, it is not considered making dirty money?
Oh, really, it makes people don't know what to say.
Having said that, Mo Yu still carefully explained a few words to Jia Min. Although Jia Min was listening to him with a smile on her face, Mo Yu knew that in Jia Min's heart, she still did not approve of his behavior.
He felt a little frustrated, so he didn't want to dwell on it any more. He wanted to talk about something else, but he couldn't help but complain in his heart.
[Emma! Oh my god, how can I tell you, this kind of thing is a very serious business in the future, it's not a dirty money at all, financing and helping people in emergencies, those are all good things. Of course, interest must be charged, but as long as it's not high interest, it's not a big deal.]
[Some people run a business just because they lack that little money. If they don't have it, the business will fail and the family will be in poverty. But if someone gives him a sum of money at this time to help him get through the difficulties smoothly, and then charges him a penny or a half of interest, isn't that unreasonable? 】
【Okay, it seems that people in this era cannot understand the low-interest loans at all, so forget it. He also said that he would make more money with this money to do some good things. 】
Mo Yu secretly complained a few words in his heart and was ready to let it go, but unexpectedly, Jia Min came forward and held his hand, smiling and said: "Don't worry, Mo'er, the livelihood you mentioned seems good to me, otherwise, tell me about it?"
Jia Min looked really anxious.
Because she usually doesn't call herself "Mom", this word is usually used by people like Aunt Xue, she usually uses "I".
Although Xiao Daiyu and Mo Yu usually call her "Mom", and only in more formal occasions will Xiao Daiyu and Mo Yu call her "Madam", but Jia Min is still very particular about this.
Today, she actually blurted out such an intimate name, obviously with the intention of comforting Mo Yu.
Of course, Mo Yu reacted quickly. But even though he saw it, it didn't prevent him from still feeling very happy.
This is probably the feeling of being pampered.
I have to say, it feels really good.
So, at Jia Min's "strong" request, Mo Yu handed over his small treasury to Jia Min for safekeeping.
Jia Min also became interested in entering the financial industry because of this (not really).
This is a later story, let's not talk about it for now, let's talk about Mo Yu.
He is actually not in a hurry to make the buds of the financial industry sprout quickly - anyway, as long as his wealth can not shrink, it will be fine. If he can help the buds of the financial industry or something, wouldn't that be even better.
This time, Jia Min stepped forward to help Mo Yu deposit his money in the "Four Hengs", but put forward a condition. If someone is in urgent need of money, it is true that they can lend it to them at a low interest rate. If they really can't afford the interest, forget it, but they will have to use other methods to repay it later.
Anyway, it's not a difficult condition, basically it's half lending and half charity.
There were even companies with good credit who could withdraw money by borrowing a "remittance bill", which gave a lot of inspiration to several Shanxi merchants. The famous Shanxi Piaohao appeared a few years earlier than expected...
After solving the problem of idle money appreciation, Mo Yu fell into a brief boredom.
Because Master Kang arranged an activity in February to worship the emperor's mausoleum and soak in hot springs, it was already the end of February when he returned.
After a few days of delay, it was already the third month of the lunar calendar. According to Master Kang's schedule, he couldn't spare any time and wanted to go out.
But this time the time was not good, because Shandong was hit by famine again. The hungry people ran to the capital because they couldn't survive.
Master Kang felt very sad when he saw this, and he specially sent people to comfort the disaster victims and escort them back.
This is when the benefits of having money came into play.
Mo Yu collected back the little money he had just earned, and then took the lead in donating half of his wealth - although compared to those tycoons, his wealth was just a drop in the bucket, but this leading role made everyone generous and donated a lot of money at once.
Master Kang was very pleased, and rewarded Mo Yu with a lot of things - it turned out that in the end, the money was still paid by Master Kang.
But it turned out that compared to donating money, how to solve the drought problem in Shandong is the more important point.
Mo Yu had to bring out System 006 again and let it come up with a solution.
System 006 said that it was just a system, not a god, and it had no way to deal with this kind of natural disaster.
Of course, it was impossible to say that there was no way at all.
But
there were ways to alleviate the problem. Mo Yu thought about it and realized that it was indeed the truth, so he did not make it too difficult for it. He let it hand over a few methods and let it go.
In fact, Mo Yu also knew that such large-scale natural disasters, such as droughts, floods, earthquakes, thunderstorms, etc., could not be completely eliminated even in his time.
There was no way to accurately predict and avoid them.
It was already difficult to be rescued quickly and successfully escape from danger after the disaster.
Other things were really impossible.
Mo Yu understood all these reasons, but he still felt very sad.
After all, those hungry people fled from their hometowns, but what about those who did not flee...
Human beings are too insignificant in the face of natural forces.
Even if he claimed to have a golden finger, it turned out that he was still not omnipotent enough. Fortunately,
the methods he had painstakingly searched for were somewhat helpful in alleviating the drought, which made him feel much better.
Master Kang was in a good mood too. After the chaotic March, he sent his trusted guard Laxi to inspect the Yellow River at the beginning of April. There was a
great disaster at the beginning of the year, which put the old man's tour plan on hold. He had no interest in doing anything, and the only thing he could do was to find a few wives for his sons.
So the once-in-three-years beauty pageant began.
Unlike the "small selection" that Jia Yuanchun or Xue Baochai participated in to select palace maids or female officials, this time it was a big selection.
The main purpose was to add fresh blood to the harem or to add people to the princes' backyards.
It was also this time that the 18-year-old 12th prince's backyard added a concubine and several concubines, and the fourth prince also gained a heavyweight concubine - the legendary Niuhulu, the mother of Qian Xiaosi.
Mo Yu happened to be working in the upper study at the time. When he heard the news, he was full of gossip.
What?
Niuhulu?
Is it the inner Niuhulu?
What does she look like?
Does it really feel like "the king has returned"?
Emma is only a thirteen-year-old girl!
But the fourth prince is already twenty-six... This is too...
Mo Yu's gossip soul is awakened, and the other young princes are not idle either.
Among them, Honghui is very nervous because of the interests involved. After all, this new concubine will definitely share his father's love with his biological mother.
The other princes all have gossipy faces.
After all, they usually have very few entertainment programs, and the only things they can be exposed to are these weddings and funerals. Moreover,
the image of the fourth prince in the eyes of the younger princes has always been very serious and majestic. Thinking that he is going to marry a new princess, everyone is very excited, even more excited than hearing that the twelfth prince married a legitimate concubine.
Besides, not only can they listen to the palace servants’ description of the scene of the talent show, they can even listen to the inner voice of the little brother of the Lin family.
It must be said that the inner voice of the little brother of the Lin family is really exciting to listen to, much more interesting than what those palace servants say.
Obviously, the little brother of the Lin family has not seen the fourth brother and the new princess just like them, so how come these things are so vivid, as if he is there.
The young princes are very happy, but the old tutor is not happy.
These little kids are so young in total, and now they don’t talk about studying hard, but just gather around the boys of the Lin family every day to listen to gossip.
What gossip.
Those are all things that "do not look at or listen to what is indecent". They are so young, can they just listen to them casually?
The old tutor wanted to explode, but he didn't expect that he couldn't find any faults at all.
Because Mo Yu didn't think about anything messy.
If there was anything wrong with him, it was that he shouldn't think so actively and be heard by others.
Because after he learned about the current age of Lady Luhulu, he lost interest in her and the four masters, and refocused his attention on the new fortune of the twelfth prince.
Although the twelfth prince is not very old, he has already married several concubines and even had two children.
Can you believe it?
An eighteen-year-old little prince has become a father twice. The degree of early marriage and early childbearing in this era really shocked Mo Yu every day.
However, the ones who gave birth to children before were concubines, concubines, and the like, and
their status was not good at all. The twelfth prince married a new concubine this time, which just means that he can open a house and be crowned a king. Of course, with his ranking and status, it is still unlikely to be crowned a prince for the time being, and he is not even qualified to be a beile, but he can still be crowned a beizi.
I just don’t know when the imperial edict will be issued.
But, why is the kid from the Lin family saying in his heart, "It’s a pity that the twelfth prince is destined to be childless. He gave birth to several sons, but he didn’t raise the last one. Even some of them died before they could even be named. Only two sons lived past the age of three and were named, and the oldest one only lived to be twelve years old."
Is it so miserable?
How sad would the twelfth prince be if he knew about it.
The younger princes were very sympathetic, but they couldn't tell the twelfth prince about this.
After all, this was forbidden.
What to do?
If he didn't have a son, what about his title in the end?
Oh, he could inherit a child of the fourth son as a grandson.
That's...
okay, at least there's no extinction.
Although none of the sons survived, several princesses did survive.
This can be considered a blessing in disguise.
Everyone was lamenting the miserable life of the twelfth prince, but at this time, the real protagonist arrived.
Originally, today was the twelfth prince's wedding day, but he was filial by nature, and he had to come in to find his adoptive mother, Su Malagu, to attend the selection ceremony, and he and his new concubine had to kowtow to her.
Su Malagu refused and hid herself.
The 12th Prince searched for a long time and finally found their study room... Just when everyone thought that he was just looking blindly and Su Malagu couldn't possibly come here, the old lady sighed and opened the small warm room behind the study room.
Su Malagu was indeed reading some Buddhist scriptures in it.
Seeing the 12th Prince coming, the old lady was so panicked that she quickly stood up and saluted.
As a result, the 12th Prince held her down with red eyes: "Aunt, why are you so polite? You raised me, and now I am going to marry my first wife, but you are not here. It seems so strange."
Su Malagu was already over 80 years old at this time. She looked healthy and energetic, but her movements were obviously slow and her facial expressions were a little out of control.
The most typical thing is that Su Malagu had always been a model female official, with very few big changes in her expression - she was always stable.
In particular, she made a great wish to Buddha in order to cure Master Kang's smallpox. First, she would be a vegetarian for life, and second, she would only take a bath once a year, using only one basin of water, and drink the water after washing...
Well, it's really scary to think about it. This aunt's life is simply not like a human life.
In fact, after the death of the master that Su Malagu had always followed, the Empress Dowager Xiaozhuang, she didn't want to live. If Master Kang hadn't made a decisive decision and gave her the 12th prince, who was just two years old, to raise, she would have died of depression.
After giving the 12th prince to Su Malagu, she really recovered and regained the desire to live. Not only did she live for more than ten years without any problems, but she is now much more popular than when she first started.
Su Malagu looked at the 12th prince half happy and half sad, and then said: "Don't say that, 12th prince, I can't bear it. Please go to the front. I will pray for you here."
[Author's words]
Thank you to the little angels who voted for me or irrigated the nutrient solution during 2024-02-25 23:47:53~2024-02-26 23:58:16~
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Thank you very much for your support, I will continue to work hard!