At first, Feng Ye thought it was a pretext to borrow money under the guise of a bonus, but after listening to the story, he realized that it wasn't a loan, but a scam.
It's true that you can make a lot of money investing in foreign exchange.
However, all investments carry risks, and the more you earn, the greater the risk. Who dares to promise a guaranteed profit?
Moreover, the returns offered are too high, with a monthly dividend of 10%. Even Warren Buffett wouldn't dare to say something like that.
Isn't this a classic Ponzi scheme, where you rob Peter to pay Paul?
And it was a rather crude scam?
He sneered inwardly; these two, Old Liu and his son, really had a clever plan!
Is this blatantly taking advantage of the fact that rural people are ignorant and greedy?
Unfortunately, they miscalculated.
Others might not understand, but he does.
In his past life, he had been scammed in a similar way and lost 50,000 yuan.
Feng Ye sighed inwardly, wondering how many people would be swindled out of their life savings by this father and son.
Even in later generations, with highly developed information technology, extremely fast communication speed, and readily available information, a large number of people still fall for scams every year.
Moreover, in this age of limited information, ordinary people are even easier to deceive.
However, he can only manage himself, not others.
Even if he went to great lengths to expose it, it would be a thankless task, and not many people would believe him.
"Ah Cai, how exactly does your forex investment work? We don't understand anything about it. What if we lose all the money we put in?"
Feng Xuan raised his concerns, clearly indicating that he was considering taking action.
Liu Zhencai was secretly pleased with himself; he had already figured out how to deal with this problem.
He quickly explained, "Don't worry, there are agreements in place. Whether you make a profit or a loss, your interests will not be harmed."
“We will have people keeping a close eye on things. If there is any sign of trouble, we will immediately withdraw the money. We will definitely not lose a single penny.”
"Even if we do lose money, we will bear all the risks."
Finally, he said mysteriously, "Otherwise, why would we only give you ten percent? In reality, we earn much more."
Old Liu chimed in, "That's right, Ah Cai is back this time to help the villagers get rich, he definitely won't cheat anyone."
Feng Ye sneered inwardly. If there really was such a good way to make money, wouldn't they just go and make it themselves? Why would they be so kind as to come back and tell their fellow villagers?
However, he didn't rush to expose him, but instead asked, "So, which company did you invest in? And where is their office located?"
A flicker of panic crossed Liu Zhencai's eyes, but he quickly concealed it.
He chuckled dryly and said, "You don't need to worry about that. Just invest your money in me, and I guarantee you'll make money."
Seeing this, Feng Ye became even more certain that this was a scam to get something for nothing.
He stopped wasting words and said directly, "I appreciate your kindness. However, I'm a rather lazy person and I hate trouble. The foreign exchange investment you mentioned sounds quite profitable, but the risks must be considerable. I'd rather stick to fishing at sea."
Upon hearing this, Liu Zhencai's expression immediately changed: "Aye, do you not believe me? Do you think I'm lying to you?"
Feng Ye shrugged: "I didn't say that. But it's always good to be cautious about investments. After all, nobody's money grows on trees."
Old Liu also got anxious: "How can you say that? We sincerely want to help everyone get rich. Ah Cai is a college student, he knows a lot, and he wouldn't lie to everyone."
Feng Ye smiled and didn't say anything more.
Liu Zhencai's face was a little ugly, but he could only nod and look at Feng Xuan: "Brother Xuan, what about you? You invested 2,000 yuan, and you'll get 200 yuan every month. That's 2,400 yuan a year. You'll break even in less than a year. It's a rare opportunity, don't miss it."
Feng Xuan hesitated, glancing at Liu Zhencai and his son, then at Feng Ye.
Feng Ye shrugged: "Anyway, I'm not involved. You can handle it yourself."
He couldn't make decisions for his older brother, and he couldn't persuade him either, which could easily cause rifts between the brothers.
It's not entirely impossible for a Ponzi scheme not to make money; the earliest participants might actually earn some.
If it's still in its initial stage and it actually makes money, what will happen if people complain about it later?
"I... I'll discuss it with my wife tonight."
Feng Xuan did not make a decision immediately, but instead used the tactic of delaying.
After seeing Feng Ye's refusal, he felt uneasy and sensed that something was wrong.
Liu Zhencai looked at each other, his face filled with disappointment and resentment.
He never expected to run into a wall here today.
In his view, the Feng brothers were just ordinary fishermen who were lucky, and they should be easy to fool.
But I never expected them to be so clueless!
Feng Ye looked at his expression and secretly found it amusing.
This Liu Zhencai really thinks he's someone important!
"Alright then, you can think about it some more. I'll be leaving in two days. If you want to apply, please contact me as soon as possible."
Liu Zhencai knew he couldn't push too hard, lest it arouse suspicion, so he left a message and got up to say goodbye to Lao Liu.
Feng Jiaqing and Feng Xuan escorted them to the door, while Feng Ye remained seated at the table, drinking tea.
"Ah Ye, why did you refuse without hesitation?"
After seeing Liu Zhencai and his son off, Feng Xuan turned back and asked.
Feng Ye put down his teacup and said calmly, "It's obviously a lie, can't you see that?"
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