Chapter 1399: Solution

"Fine, then treat it as saving money. At least the money is spent, and the land is still there. At worst, it can be used to build houses for rent."

"Right, that's what I thought. Anyway, the land is bought, so it's ours. At least it's safer to exchange cash for real estate."

"Hmm, fine. Then how much money do you have left?"

"Cough, I... 'plan' to deposit 200,000 in the bank."

Lin Xiuqing was puzzled. "Why deposit in the bank? You said last time that you could remit it back, and the bank might not have money to withdraw? You're still depositing? It's not certain there's money to withdraw, and you're still depositing what?"

Ye Yaodong smiled and bluffed. "Hehe, it's still the same point: it's not safe to keep money by my side. A few thousand yuan can buy a life. Keeping these hundreds of thousands by my side makes me the fattest sheep."

"Besides, the bank's interest rate is high. Think about it, didn't I borrow 200,000 from the bank? If I deposit it in the bank and don't withdraw it, I won't lose money, right?"

"We'll treat it as paying this money back to the bank, and before paying it back, we can earn another interest!"

"Do you know how much interest that is? The annual interest rate for a three-year fixed deposit is 11.68%. 200,000 equals... per year. If we leave it for three years, we'll earn 70,000 for nothing! A steady profit without loss!"

Ye Yaodong didn't dare to calculate for five years for her; he only dared to calculate for three years, since the loan was only for three years, and nearly a year had already passed.

Lin Xiuqing exclaimed in surprise. "That much! The bank gives that much interest?"

"Yeah, if there wasn't that much interest, would I need to deposit it?"

"Then what are they after? They lent you 200,000 interest-free, and then you turn around and deposit this 200,000, collecting 70,000-plus in interest? Isn't that stupid? Giving you money for nothing?"

"Exactly. Can't say stupid, should say magical. That's just how it's stipulated."

"Are you being cheated? Is it reliable? There are many scammers outside..."

"No, it's a state-owned bank. The bank that gave me the loan already gave me 200,000, so what am I afraid of?"

"That's true... giving you money for nothing? How is it so magical? If everyone could borrow a sum and then turn around and deposit it, wouldn't that be giving money for nothing?"

Lin Xiuqing felt this was too incredible. Just giving them tens of thousands for nothing?

"But you have to think, how many ordinary people dare to borrow from the bank casually now? Not to mention borrowing tens of thousands? If you dare to borrow, the bank won't lend it to you. You need proof of employment, unit proof, village proof, and even then, you can only borrow a few thousand or ten thousand. You also need large assets to be able to borrow more."

"That's true."

"So I'll deposit it in a couple of days, to avoid being on edge by my side. Anyway, if I put it in, I can earn interest. State-owned banks can still be trusted."

"That's fine. Anyway, we still owe them 200,000. If you deposit 200,000, we can just deduct it directly when the time comes."

Naive.

There's no such thing as deduction. You still have to pay it back. What's deposited there stays there, and you can only withdraw it when it matures.

"Fine, listen to you."

"What listen to me, it was clearly you who suggested it."

"That's also after your consent that I went to deposit it. Anyway, we're making a steady profit without loss. If we can deposit for 5 years, it's even better. Do you know how much interest we can get for 5 years?"

"How much?"

"We can get 140,000 back for 5 years."

"Ah? That much... then what is this bank after, giving us so much money for nothing? Doesn't this money go around and still stay in their bank? And they have to subsidize us."

"Anyway, regardless of whether the bank is losing money, we are earning it..."

Ye Yaodong didn't dare to explain in too much detail. He only said three years, but in reality, he had already deposited for five years!

He looked at his watch and hurriedly said, "Ah, no more talking. I have to go to the pier to collect goods. The fishing boats are coming back soon. Let's leave it at that. When I finish collecting goods and have time to deposit the money, I'll call you again..."

"Oh, okay, okay. Then hurry up and collect the goods. Collecting goods is important. Call me after you deposit it."

"Will do. I'm hanging up."

He had originally calculated his time well. After finishing the call, he would just take the workers to the pier to collect goods.

This way, he could hang up directly when the time came, letting her digest it alone first. Later, he would call back to say the money had been deposited and that he felt 5 years was more cost-effective.

Anyway, it was only two years longer than expected. There was already so much cash at home, and having 200,000 more cash on hand wouldn't increase its utility.

He would treat this money as a backup for himself.

He felt that according to his current earning speed, 200,000 was just a month's work. His assets could double again this year, so depositing for two more years was nothing.

It was just that he had already deposited it in advance, so he took a detour to avoid her nagging.

When he called back in two days to say he had deposited for 5 years, and then mentioned a bunch of gifts, there probably wouldn't be much of a reaction.

This couldn't be counted as him acting first and reporting later.

It was also notified in advance, and then he compared it himself!

Getting 130,000 for nothing, why not take it?

He had notified her anyway. What's wrong with making his own decisions on such a small matter?

Who keeps calling their wife for instructions all the time?

After hanging up the phone, Ye Yaodong only felt he was truly smart, avoiding another family conflict!

When the general is away, he doesn't have to follow the emperor's orders. He couldn't be blamed for always acting first and reporting later; he just went to do it as soon as he thought of it.

"President Ye is always happy after finishing a call."

Ye Yaodong restrained the smile on his face. "Of course I'm happy to call home."

"Why did I see you looking a bit nervous when you were on the phone? Haha, did you not let your wife know about spending 50,000 to buy land?"

"It's no big deal. Just call her and tell her. She supports everything I do. I just told her, and she didn't say anything, just said I should decide."

"That good?"

Jin Laixi was a bit suspicious. He clearly saw that when he was on the phone, his tone was flattering!

"Of course. My wife just trusts me more. She supports whatever I say. She's my virtuous helper, and she handles everything at home."

"That's great."

"No more talking. I have to go back and take the workers to the pier to wait for the fishing boats to return, and deliver goods to you guys tonight."

"Okay."

Ye Yaodong walked out with light steps.

The workers at home were waiting, and the other fishing boats hadn't returned yet, so his land purchase hadn't caused a stir.

The sun had just set, and the fishing boats had just returned and had to sell goods. Everyone didn't get home that early. Basically, when the workers returned, it was already dark.

However, after he finished collecting and delivering the goods and returned, the news that he had spent 50,000 to buy land again had spread to all the fishing boats, and everyone was shocked.

As soon as Ye Yaodong entered the door after selling the goods, he heard the noise inside, and he knew they were discussing it.

"Adong is back..."

"Dongzi..."

"Did you buy land again, Dongzi?"

"Yeah, right. Money in hand isn't safe, so I took it to buy land. By the way, I also deposited the remainder in the bank, so I don't have money by my side, and I feel at ease."

This was also said for everyone to hear.

It was still the same point: human nature cannot be tested, so you have to let people know you don't have much money by your side.

"Deposit in the bank?"

"Yeah, the interest rate is quite high."

Ye Yaodong told everyone about the bank's deposit interest rate and also mentioned that it was the bank where he had taken out a loan last year.

Everyone could have their own thoughts; he just said what he did, and whether they followed or not was up to them.

Or depositing a demand deposit and withdrawing it in a few days when they went home was also quite good for everyone, better than nothing.

People have this kind of psychology: when they haven't tried to do it themselves, they are always worried about various risks and accidents.

After they really do it themselves, they will feel it's really good...

And they will think about sharing and recommending it to the people around them.

"Is this... safe, is it reliable? We've never saved money in our lives, and we don't have any money to save in the bank..."

"Then I can't guarantee that. If you're free, go ask the bank yourself. Anyway, I deposited it directly."

"It should be reliable. Didn't we all remit money home through the bank before? Our families all received it."

"State-owned bank, should be credible, right?"

"I've never deposited money in a bank..."

Everyone discussed it one sentence after another, all tempted by the interest, which was much higher than the interest of their private loans.

After Ye Yaodong finished speaking, he went into the room first, put away the money and documents, and then went to fetch water for a bath.

However, everyone still followed behind him, asking questions.

"You guys look at it yourselves. Anyway, we're going back in half a month."

"Yeah, we're going back in half a month, so don't toss around."

Someone said a sentence, and others echoed. It was really because they had no bottom in their hearts. Honest people who had never deposited money in a bank in their lives suddenly found it hard to turn the corner.

Ye Yaodong let them discuss it.

His cousins came over to ask him while he was washing, and he just let them make up their own minds.

Because he deposited a lump sum for 5 years directly, and he himself had borrowed 200,000 from the bank, so for him, the interest was pure profit.

Therefore, his case didn't have much reference value for them. It depended on their personal willingness, risk tolerance, and trust in the bank.

Ye Yaodong listened to their discussion while washing, but didn't express an opinion.

"How about this, when you have time, or when you remit money home, ask the bank by the way. The bank will explain it more clearly to you."

"We're thinking that we're going back soon anyway, so don't toss around. Wait until the next trip, and when we have more money left, we'll consider it."

"Yeah, actually, we're all our own people around here. We carry our money with us, and we're not worried."

"Mainly because we're going back soon..."

"We just heard you say you deposited money in the bank and the interest was very high, so everyone was curious."

He nodded. "Curiosity is normal. If you're interested, a few people can go understand it, and then you can discuss it."

"Hey."

Ye Yaodong let them discuss it. He finished washing, hung his clothes on the door, and went into the room.

Another large sum was accounted for today, and he had to hide it again.

He had just relaxed for a few days, and he started to feel nervous again.

However, now that everyone knew he had deposited the money in the bank, he felt he would be safer.

After counting the money accounted for today, he couldn't help but take out the passbook, deposit slip, and land filing, and laid them flat on the mat.

He muttered to himself, reaching out to fiddle with those things.

"200,000 plus 50,000, plus 65,000, today another 16,000..."

"These... 300,000 are mine... I made a fortune!"

Ye Yaodong felt more beautiful the more he looked.

After looking enough, he satisfiedly put the things into the password box, and the money was hidden separately everywhere.

He pondered that in two days, he would call back to say the money had been deposited for 5 years, and then say that he had saved another 100,000, and by the time he went home at the end of the month, he might have another 200,000.

Reporting a larger amount to her would make her feel that since there was so much, depositing half in a fixed term was nothing.

With everything planned perfectly, he felt at ease and went to sleep.

The next morning, Ye Yaodong was awakened by the noisy chatter of everyone.

Clearly, there had been noise at night, why was it still so noisy early in the morning?

Ye Yaodong got up with sleepy eyes and asked, only to find out that it was windy today, and the small boats had just gone out and returned.

He lay back down and took a nap. After waking up, the radio was also broadcasting that the wind at sea had reached level 5.

Everyone was saying it was just right to rest for two days.

And when he was eating breakfast late, the people who went out for a stroll early in the morning ran back excitedly and shouted.

"The deposit interest rate Dongzi said yesterday is true. We asked the bank for a fixed deposit interest rate list. You guys take a look too."

The person who returned shouted, and everyone swarmed around curiously.

"Is it really that high?"

"We can remit money home, which means it's reliable. How could it be a lie..."

"The bank people said, deposit for 5 years, and the deposit will double!" The person who spoke was extremely excited.

"Really?"

"This is a state-owned bank, could it be fake? Definitely true."

Ye Yaodong was eating, and he pricked up his ears to listen casually.

Double? No, right?

He calculated it that day. Wasn't it 70% more after 5 years?

He continued listening.

"... said, besides the interest rate, there is also a value-preservation subsidy rate... this, this is written, value-preservation subsidy rate..."

The radish he was chewing stopped!

Value-preservation subsidy rate?

What is that?

How come I don't know there's this thing? Why didn't they tell me then?

"Wait, Old Zhou, what value-preservation subsidy rate are you talking about? What is it? How did they tell you?"

Old Zhou scratched his forehead. "How can I say this? I can listen, but I can't speak. It's just that there's another subsidy, which can make your 5-year fixed deposit double."

"Holy crap, why didn't they tell me?"

"Didn't they tell you, Dong-ge?"

"Damn it, sure enough, the more beautiful a woman is, the more she can lie!"

"No way? Didn't they tell you, Dong-ge?"

Ye Yaodong put down his bowl and chopsticks directly, unable to eat anymore.

"Say what? They didn't tell me. I'll go ask again. How did they tell you? Repeat it to me?"

"We understood, but we can't say it. Anyway, there's another subsidy, which can make your deposit double."

Everyone only knew there was a subsidy, but if they were really asked to explain, they couldn't, only vaguely knowing the general meaning.

Ye Yaodong could only go ask clearly himself.

"I'll go ask."

"Right, you'd better ask yourself to be clear. If we really explain it, what if we explain it wrong? This isn't a small amount for you."

He nodded, went into the room to get his passbook, and then went to push his bicycle, cursing inside.

By the time he pedaled his bicycle so fast it was almost sparking and arrived at the bank, Shen Ming'e wasn't there. He showed his passbook and deposit slip, and the staff explained it to him immediately.

The value-preservation subsidy rate means that when the price increase exceeds the fixed deposit interest rate provided by the bank, in order to ensure that the depositor's funds will not depreciate due to inflation, the bank must pay an additional amount to the depositor based on the value-preservation subsidy rate in addition to the interest paid according to the prescribed interest rate.

And this savings of his was also included, and it wouldn't be gone just because it wasn't explained.

When depositing, there was also a savings slip to fill out. He still had a copy, but he thought it was nothing and didn't look at it carefully.

It was full of dense characters; who would look so carefully? He thought listening to Shen Ming'e's explanation was enough.

After understanding clearly, Ye Yaodong breathed a sigh of relief. It was good that it was calculated for him.

If it wasn't calculated for him, he would have lost a huge sum!

If he deposited 200,000, the interest was 130,000-plus, which was equivalent to the value-preservation subsidy being another 60,000-plus!

This was simply a huge sum!

Who would think money is too much?

Shen Ming'e was really a half-baked person. No wonder when he asked her about the interest rate then, she still had to go to the office to get the list to look at.

I just said, which bank clerk is so unclear about the deposit interest rate, and still a relationship manager, saying half and then having to take the list to look at it...

He was a bit suspicious of her professional ability then, but his eyes were covered by the filter of Factory Manager Shen, so he believed it lightly. Fortunately, everything that should be there was there.

He also requested to change a relationship manager on the spot, but was told it couldn't be changed. Anyway, if there was anything to consult, someone would receive him, so he had to give up.

Anyway, it was confirmed that he had the value-preservation subsidy rate, so he returned satisfied.

However, halfway there, thinking that he was out anyway, he rode his bike to the Chamber of Commerce, intending to call A-Qing to tell her.

Now that there was another value-preservation subsidy rate, it was easier to convince her.

Sure enough, Lin Xiuqing was surprised when she heard he had deposited for 5 years, but when she heard that the deposit could double in 5 years, she stopped making noise and listened patiently to him finish.

"If this is reliable, it's also possible... there's a lot of cash at home, and I feel a bit hot holding it."

"Then since 200,000 has already been deposited, then deposit it. And then after 5 years, if it really doubles, we'll go deposit again."

"This is also better than always keeping it at home. Just treat it as testing the water. State-owned banks should be safe. We still owe them 200,000."

Ye Yaodong felt comfortable. "Right, that's what I thought. At worst, after it matures, we'll pay it back. What's deposited stays there and earns interest. It's good that it doubles in 5 years, better than keeping all the cash on hand."

"200,000 isn't particularly much for us now, so just try it. Generally speaking, there won't be any accidents, so just rest assured and put it there. Anyway, I'll go check it every few months."

Lin Xiuqing responded gently. "Okay, then you look at it. Then don't deposit the others. Depositing 200,000 is enough. We'll be back in a few days, and we'll bring back whatever is left."

"There's still more than half a month. If there are no accidents, I estimate I can save another 200,000, anyway at least 100,000, we'll see then."

Lin Xiuqing was dumbfounded. "You're earning a bit too well..."

"Mainly because I have many boats, which is also a cost investment. Without so many boats, how could I earn so much? When buying boats earlier, you guys were all shouting."

"That was because it wasn't certain. I thought it was enough to have boats, no need to get so many."

"This is all money. You thought why the bank has a value-preservation subsidy rate? It's because current investment is profitable. With a 5-year deadline, if it doesn't double after 5 years, it's better to deposit in the bank. Money deposited in the bank is definitely invested by the bank, and it definitely earns more."

"Fine, I don't understand these. Anyway, you've bought all the boats you should buy, and you haven't listened to a word from us."

"Fortunately, I didn't listen to you. I braved all the opposing voices to buy so many boats."

Lin Xiuqing had nothing to say again.

"Listen to you from now on."

"That's right."

"No, haven't I always listened to you? You always have a pile of reasons to convince me. It's all listening to you, when have I listened to me?"

"Fine, just let you know about the deposit. When I'm sure when I'm going back in a few days, I'll call you again to notify you."

"Okay."

Done again.

Which man is as good as him? After making a decision and doing a big thing, he still thinks about notifying his wife.

Look at those playing cards, who else tells their wife about these things? At most, they send a little living expenses regularly, and then report safety.

There aren't many good men like him left! ===== CHAPTER 1400 =====

It's settled again.

Whose husband is as good as him? After making a decision and accomplishing a major task, he still thinks about informing his wife.

Look at those guys playing cards; who else tells their wife these things? At most, they send back some living expenses regularly and then report that they are safe.

There aren't many good men like him left!