Chapter 359: Rural Absurd Past Events Chapter 359: Xu Mingxin's Next Windfall

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Protagonist:

Li Xiulan

That evening, Xu Mingxin came to Wang Dashan's rental house, and they ate free-range chicken hot pot together.

Wang Erhai and Zhang Xiaoyun also came.

Wang Dashan also bought some alcohol.

The four of them ate, drank, and chatted.

"Brother Xu, have you found a job yet?" Wang Dashan asked with concern.

"Not yet. I've interviewed at several real estate agencies, but none of them want me." Xu Mingxin sighed and answered truthfully.

"Then what do you plan to do?"

"What plan can I have? I'll just take it one step at a time."

Xu Mingxin drank quite a lot of alcohol in a row, his face slightly flushed, a bit tipsy, and he spoke frankly:

"Before, to fill the hole, I not only borrowed two hundred thousand from you, but also took out quite a few credit cards and online loans. All told, it's several hundred thousand. It's a real mess..."

Seeing Xu Mingxin looking quite pitiful, Wang Dashan took the initiative to say:

"If you really have nowhere to go, come to Shanhai Real Estate. The base salary I offer isn't high, but with your ability, Brother Xu, you should be able to earn quite a lot in commissions."

But Xu Mingxin smiled bitterly and shook his head:

"Dashan, thanks for your kindness, but working as a salesperson at your company obviously can't fill my hole."

Wang Erhai, on the side, breathed a sigh of relief in his heart.

He was just afraid Wang Dashan would say a polite sentence, and Xu Mingxin would take it seriously.

If he really came to Shanhai Real Estate, who knows what kind of trouble he'd stir up again.

"Brother Xu, you're the material for big business. Coming to a small company like Shanhai Real Estate would be a waste of your talent." Wang Erhai said politely with a smile.

Xu Mingxin chuckled.

He knew Wang Erhai didn't welcome him, but he indeed hadn't thought about coming to Shanhai Real Estate either.

He had to earn a large sum of money in a short time to fill the previous hole.

If the speed of earning money was too slow, the debts he owed would compound with interest, the hole growing larger and larger. By then, he'd probably never climb out in his lifetime.

"I've heard people say, as long as you stand on the windfall, even a pig can fly. My next job must find the right windfall."

Xu Mingxin said this.

Although this person has no moral bottom line, it must be admitted he's still quite clever.

He's not like Wang Dashan, who only knows how to brute-force it, only knows how to blindly persist.

"What is the windfall right now?" Zhang Xiaoyun asked.

"Real estate counts as a windfall." Wang Dashan said, "Brother Xu, although you can't be a property consultant anymore, you can still do some related industries upstream and downstream of real estate, like renovation, building materials, furniture, and so on."

But Xu Mingxin said:

"I reckon I won't do real estate-related work again. This incident's influence in the industry is too vile. Other companies recruiting will definitely do background checks."

"Then besides real estate, what other windfalls are there?" Wang Erhai inquired.

Xu Mingxin then said:

"In my opinion, the biggest windfall right now is the internet."

"Right, right, right. Doing internet now makes a lot of money. Too bad we don't have that technology." Wang Erhai nodded in agreement.

Xu Mingxin looked thoughtful:

"Something even more profitable than the internet is probably internet finance."

"Internet finance? What's that?" Wang Dashan didn't understand.

"Hehe, to put it bluntly, it's lending online. There's a legal blank in this area right now, and the country just introduced policies encouraging financial innovation." The more Xu Mingxin spoke, the more he felt this line of work had potential. "After the New Year, I'll go try this line. Damn it, I must pay back all the borrowed money within this year, otherwise I'm afraid I'll really never have a chance to turn things around!"

The reason Xu Mingxin felt this line had potential was because he had just taken out online loans and discovered the interest rates were scarily high. Some irregular platforms had rates even higher than the usury loans of the underworld. Even legitimate big platforms had annual rates as high as twenty to thirty percent.

Watching the interest on his online loan platforms roll higher and higher, heart aching and cursing, he also marveled at how damn profitable this line was, and wanted to get in on a piece of the action.

This is the difference between Xu Mingxin and ordinary people.

Ordinary people take out online loans, see the scarily high interest, heart aching and cursing, their first reaction is definitely thinking to hurry and pay it off, then stay away from this trap.

Xu Mingxin's first reaction, however, was thinking to hurry and join in, to go trap others together.

This is the difference in thinking between a person with no moral bottom line and a normal person.

"Lending online, huh? That probably isn't too good..." Wang Erhai's face showed surprise, and he said weakly.

Zhang Xiaoyun, on the other hand, said:

"This line indeed isn't good. I've also heard there's something called campus loans now, specifically targeting female university students. Exploiting female students' weakness for vanity, making them send nude photos as collateral, then lending them usury, driving them to mental collapse, even repaying debts with their bodies."

But Xu Mingxin said expressionlessly:

"They deserve it. If they weren't vain, who could trap them? Clearly having little money, yet wanting to buy Apple phones. Can't afford them so they do installments, take loans, completely not thinking about whether they can repay in the future. People like that just deserve to be trapped."

Zhang Xiaoyun stopped speaking.

Her gaze at Xu Mingxin revealed a trace of undisguised disgust.

Wang Erhai laughed awkwardly. He also had some aversion to Xu Mingxin.

Wang Dashan in his heart actually didn't agree with Xu Mingxin's view, but he still needed Xu Mingxin to pay back that two hundred thousand, so he laughed along:

"Since Brother Xu feels this line has potential, then go do it. In this day and age, nothing's important. The most important thing is being able to make big money!"

Xu Mingxin laughed and clinked glasses with Wang Dashan:

"I love hearing that — money isn't omnipotent, but without money you absolutely cannot do anything!"

Past eleven o'clock in the evening.

The feast ended and the guests departed.

Wang Dashan saw Xu Mingxin downstairs and hailed a taxi for him.

After Xu Mingxin left, Wang Erhai then said to Wang Dashan:

"Big Brother, this Xu Mingxin fellow, to tell the truth, is a bit dangerous; we'd better keep our distance from him."

Wang Dashan, however, frowned:

"If we keep our distance, that two hundred thousand — he doesn't have to repay it?"

Wang Erhai had no reply.

Two hundred thousand — that's no small amount.

If you owe someone money, perhaps you can still keep your distance from them.

If someone owes you money, and you keep your distance from them, do you still want that money or not?

"Sigh, anyway, let's have less dealings with him; he's just no good bird." Wang Erhai let out a sigh.

Wang Dashan, however, said:

"In my view, if you want him to hurry up and repay the money, then you need more contact, more concern for him; otherwise, later when he earns money, he'll repay others first, not us first."

Have to admit, if considering purely from the standpoint of benefit, what Wang Dashan said also has a few points of principle.

Wang Erhai in the end could only say:

"Alright then, you handle it as you see fit, but take it easy — Xu Mingxin has no bottom line, don't let yourself be easily coaxed in by him."

Wang Dashan, however, didn't take it to heart:

"Okay okay okay, I know my limits, this doesn't need you to say."

……