A hundred flavors of life

Chapter 1325 Earning a Billion at the Start! (Please Subscribe!)
In the story's world, in 2015, Hua Shier woke up in a large bed in a hotel, reeking of alcohol.

Hua Shier frowned. Although he was replacing the original character and the body was his own, he couldn't change the surrounding environment. The bed reeked of alcohol. How much had the guy he replaced drunk?

He quickly got up and looked around. Thankfully, there was no one there; no woman crying and demanding he take responsibility.

At this moment, the original owner's memories, which were implanted by the system, came into his mind. The person he replaced was the sycophant in the mission description, Wang Baichuan!
Hua Shier felt somewhat uncomfortable. He hated being replaced by this kind of character the most. He didn't care if he was allowed to intervene in the plot from a third-party perspective and help Wang Baichuan change his fate. It was better than being directly transmigrated into a simp.

But since it's already a fait accompli, let's just leave it at that.

Searching through other memories, Wang Baichuan was at his hometown in Nantong at this time, in the early stages of his career, running a small company that sold medical devices.

Last night, I drank with a client and got really drunk. After arranging a full-service package for the client at their request, I went back to my room and collapsed onto the bed.

Hua Shier glanced at the time; it was 9:30 AM. He could smell the odor in the room and knew he couldn't stay there any longer, so he went downstairs to the front desk to check out.

The bill printed by the front desk is 3600 yuan.

Hua Shier was taken aback: "Three thousand six thousand for a standard room? Are you trying to rob us?"

The receptionist quickly explained:

"Sir, your room is 298 yuan. The rest is for the activities you arranged for your companions yesterday. I've already rounded it down for you!"

Hua Shier raised his eyebrows: "Where is my companion?"

The receptionist said, "That gentleman hasn't checked out yet; he should still be resting."

Hua Shier said irritably, "He hasn't checked out yet, why should I pay? Go ask whoever played the game for the money!"

After saying that, he took out his phone and scanned the 298 code, without paying a single penny more. Then he waved his hand casually, turned around, and walked out of the hotel.

He went out, hailed a taxi, and went straight back to Wang Baichuan's house.

Through Wang Baichuan's memories, he knew that this guy also traded stocks, but he wasn't very serious about it. Others traded stocks for speculation, but he traded for investment, the kind of investment that could turn him into a shareholder. This time he went home to use Wang Baichuan's stock account to make his first pot of gold.

When Wang Baichuan entered the house, both his parents were there. Seeing him return, his mother asked with concern:

"Son, you went out for a business dinner again last night? You're still young, you need to take better care of yourself. Oh, by the way, have you had breakfast? There are still some steamed buns in the pot, let me heat them up for you!"

Hua Shier has memories of Wang Baichuan and doesn't feel embarrassed:
"I haven't eaten yet, so I'm sorry to trouble you!"

Wang Baichuan's mother was taken aback for a moment, then beamed with joy:

“My child, how much have I suffered for you? You are my own son, and I do everything willingly.”

While his mother heated up the steamed buns, Wang Baichuan's father, who was reading the newspaper, invited Hua Shier to sit down:
"How's the business negotiation going? You're just starting out, don't be impatient for quick success, take it one step at a time."

Before Wang Baichuan's father could finish speaking, Hua Shier laughed and said:
"Don't worry, everything is going smoothly. The boss is very easy to talk to; there's absolutely no problem with the imported goods he promised."

Just then, his phone rang. He took it out and saw that the caller ID showed "Manager Zhang".

He gestured that he needed to answer a call, pushed open the door from his home to the hallway, then closed the door again, went down one floor, and then answered the call.

The moment the call connected, the other end started swearing:

"You son of a bitch, Wang Baichuan, what the hell do you mean? Do you still want that batch of imported equipment? Now, right now, get over here and settle the bill for me, damn it!"

Before he could finish speaking, Hua Shier retorted:

"Did you eat shit? Your mouth stinks like that! Did you forget to brush your teeth last night when you were walking someone's feet? Damn it, how dare you talk to me like that? Believe me or not, I'll report you for PC fraud!"

These words left Manager Zhang completely bewildered. Who was being foul-mouthed here? And who was actually asking whom for a favor?
However, Manager Zhang took Hua Shier's words to heart. If Hua Shier really went to report him, he would also be in some trouble. So he gritted his teeth and asked:
"Wang Baichuan, what exactly do you mean?"

Hua Shier scoffed, "See, isn't this how you talk properly? I didn't mean anything by it. It's just a matter of whoever spends money pays the bill. I didn't spend anything, so why should I pay?"

Manager Zhang on the other side was furious:
"No, but you, Wang Baichuan, humbled yourself to invite me to dinner, begged me for favors, and even promised to arrange a complete service for me. What exactly are you trying to do by pulling this stunt now!"

Hua Twelve chuckled:
"Yes, I promised to arrange a dragon for you. Send me a picture of the dragon now, and I'll settle the bill. But if there's no dragon, you'll have to sue them for consumer fraud!"

Manager Zhang felt like his CPU was about to explode with anger:
"Fine, you're really something. We'll see. Your shipment is gone!"

After that, hang up the phone.

Hua Shier looked at the phone that had been hung up and sneered.

It wasn't that he was stingy with the small amount of money he owed; the main problem was that after receiving Wang Baichuan's memories, the scenes from last night were still vivid in his mind.

Last night, Manager Zhang made things difficult for Wang Baichuan in various ways. Taking advantage of the fact that Wang Baichuan needed something, he insisted on going to a star-rated hotel and drinking Moutai. He even made Wang Baichuan drink six cups of baijiu, saying that six times six would bring good luck. Otherwise, Hua Shier wouldn't have smelled so strongly of alcohol when he woke up this morning.

Finally, Mr. Zhang said he wanted to have some fun and enjoy himself. He had heard that the hotel had a special all-inclusive service, so he insisted on ordering a 3,000 yuan package.

Even if he didn't have any system tasks, Hua Shier would still confront him directly, he wouldn't feel comfortable not to.

What about the medical device business?
If it's too difficult, then don't do it.

In 2015, the A-share market experienced a major bull market. The entire first half of the year was a bull market with everything going up. If you had cash on hand, why would you need to start a business?

What's more, Hua Shier also has stock market secrets. With Wang Baichuan's wealth, why not sell off all the goods he has and raise a few hundred thousand yuan to invest in the stock market? With daily limit-up gains, wouldn't he make a fortune?

I chuckled and put my phone in my pocket. I went upstairs and just as the steamed buns were coming out of the steamer, I picked one up and took a bite. It was filled with beef and scallions, and it was so delicious.

Seeing her son enjoying his meal, Wang Baichuan's mother happily reminded him:
"Child, eat slowly, don't burn yourself!"

Wang Baichuan's father glanced at Hua Shier and asked:

"Whose call is it? Why do you have to go outside to make it?"

Hua Shier directly showed the phone to Wang Baichuan's father: "A manager surnamed Zhang, I went to talk to him about business, and he insisted that I arrange for him to do erotic things. I'm a decent person, how could I tolerate that? That's why he called to cause trouble!"

Wang Baichuan's mother asked worriedly:

"That Manager Zhang from that medical company you've been dealing with lately? You've offended him, what's going to happen to your business?"

Hua Shier comforted him, "Don't worry, even if Zhang the butcher is gone, I'll still eat pork with hair on. I don't think this Manager Zhang is a decent person; he'll be finished sooner or later. It's better to cooperate with another medical company!"

Wang Baichuan's father praised, "Well said! He asked you to arrange this for him today and you did it. Tomorrow he'll ask you to arrange for him to do drugs, will you do it? Son, remember this: we can't touch anything illegal!" Hua Shier nodded in agreement, finished six buns in a few bites, and then went back to his room under the pretext of having to work.

First, log into the stock account on Wang Baichuan's computer. You'll see that there are only 50,000 yuan worth of stocks in it. Hua Shier sees that they are all large-cap stocks with "China" in their names, which are the kind of stocks that are long-term investments and particularly stable.

He immediately sold all his shares and then bought a stock that was expected to rise by 5% today and hit the daily limit tomorrow.

At this moment, a message pops up on the stock trading software, notifying you that there are new stocks available for subscription today.

Hua Shier opened the app to check the new stocks available for subscription today, his pupils contracted instantly, and then he burst out laughing:

"What a coincidence!"

Baofeng Technology, the first "demon stock" of 2015, hit 55 consecutive daily price limits in just over two months, increasing its value nearly 45 times.

If you invest one million in this stock, you can sell it for forty or fifteen million.

But when he saw that the maximum subscription quantity was only 12,000 shares, and the maximum subscription amount was only 85,700 yuan, he immediately felt it was not very interesting. Even if he subscribed to the maximum amount, he could earn more than 3 million yuan in two months. He could earn more than that by working hard as a construction worker.

Why would a deity like him have to work as a bricklayer? That's a very strange idea.

Hua Shier checked his stock tips, which he hadn't used in a long time, and found that Baofeng Technology's IPO was on March 12th, but it wouldn't be listed until the 24th, with a trading volume of 80 million yuan on that day.

He immediately raised an eyebrow, deciding that since he was going to use T1000 for all the transactions anyway, it would be better to wait until the listing date and have T1000 help him buy in large quantities before the price hits the daily limit.

He didn't ask for much; with a transaction amount of 80 million, it wouldn't be unreasonable for him to ask for 10 million.

If you invest 10 million yuan, and then see 55 consecutive daily price limits in just over two months, that's a 45-fold return—it's simply amazing!

Having made his decision, Hua Shier closed his laptop, took out his phone, and dialed: "Hello, Brother Liu?"

This Brother Liu was a senior figure who brought Wang Baichuan into the industry. As soon as he answered the phone, he asked:

"Baichuan, did you offend Manager Zhang? He just spread rumors in the industry that he's going to ruin you. With his influence, it'll be very difficult for you to get goods in Nantong in the future. How about I ask someone to arrange for you to apologize to him? No matter what happened, just bow your head first."

Hua Shier chuckled and said, "This isn't about bowing your head!"

After he recounted what had happened that day, Brother Liu was at a loss for words:
"What kind of thing did you do? Do you even care about his little bit of money?!"

Hua Shier directly stated that he didn't actually want to quit. After some discussion, he sold all the goods that Wang Baichuan had to him at 80% of the purchase price, making a profit of more than 500,000 yuan. He even sublet the company store to Wang Baichuan.

After the money and goods were settled, Hua Shier informed his family and, under the guise of a business trip, took the more than 500,000 yuan and went directly to a hotel.

Five hundred thousand yuan was still too little for him; when it comes to start-up capital, the more the better.

So Hua Shier started taking advantage of those irregular lending platforms.

These unregulated lending platforms offer small loans ranging from 1000 to 5 yuan, while some platforms even offer loans of over 15 yuan for large loans.

Moreover, these platforms are easy to use, requiring only an ID card, bank card, and contact information to disburse loans. However, because they are not legitimate, they charge a 'deposit' or 'service fee,' so the actual amount received may be less than the amount deposited.

Most importantly, these platforms almost all have problems such as excessive lending and violent debt collection to varying degrees.

Hua Shier remembers seeing a news report about a borrower in Wuhan whose debt ballooned from 20 yuan to 2800 million yuan, with the actual annualized interest rate exceeding 100% due to "hidden fees" and compound interest.

That's not even the worst of it; some have annualized interest rates exceeding 500%, which would make it impossible for borrowers to repay even if they worked themselves to death, often resulting in the ruin of their families.

Was Hua Shier afraid of this? He borrowed from one platform after another, specifically targeting those irregular high-interest platforms, and actually managed to raise three million yuan.

Well, with this loan amount, if we repay according to the interest rates of these platforms, Huatai Securities could lose enough to bankrupt a listed company by the end of 2012.

But here's the problem: why should he pay back the money he borrowed through his own abilities?
As soon as all the loans from Hua Shier and others were received, T1000 hacked into the network and stole them back!

They replaced all the data on the loan platform's mainframe, including electronic loan agreements, with Kondo-sensei's educational videos.

Yes, I guessed right, it's that Kondo-sensei from the last world!

Anyone who dares to offend my Hua Twelve's woman will be punished no matter what!

Kondo-sensei: Please, have some decency!

Not only that, Hua Shier also spread the criminal evidence of these platforms across the internet after deleting his own loan information, and also reported that these platforms' hosts contained a large number of H-educational videos.

According to this world's timeline, just over a month ago, Kuaibo was taken down for the same reason, and now it's in the eye of the storm. I don't believe these platforms won't go under.

Okay, Hua Shier has achieved great success in cultivating immortality and has completely lost his humanity!
With irrefutable evidence, one after another, irregular platforms were brought to justice. Hua Shier's actions not only made him money, but also punished evildoers and saved countless families from ruin by high-interest scams, as well as many lives.

The ocean is boundless, and so is the merit!

With the generous sponsorship from these platforms, Hua Shier, while thanking the top donor in prison, used the three million yuan, along with his own five hundred thousand yuan, to invest in the A-share market and the US stock market respectively.

Hua Shier spends her days shopping, hiking, swimming, exercising, getting massages, and so on. I won't go into details, it's not important anyway.

It's all about enjoyment.

Then, he released T1000 to act as a trading platform, trading A-shares during the day and US stocks at night. Finally, on March 24th, he raised more than 20 million yuan.

Hua Shier, through precise T1000 trading and several stock accounts, managed to grab one-eighth of the 80 million yuan trading volume on the first day of Baofeng Technology's listing. Now, he's just waiting for 55 consecutive limit-up days.

By May, T1000 had been gradually selling off its shares when Baofeng Technology's stock price exceeded 290 yuan. When the price reached its peak of 327 yuan, the last 10,000 shares were successfully sold. Although the early sale prevented the dramatic 45-fold return, it still netted 400 million yuan.

In addition to the more than 600 million yuan that T1000 has earned in other A-share stocks, as well as in the US stock market and futures market in the past two months without attracting outside attention, Hua Shier is now a billionaire.

This was only because T1000 operated discreetly to avoid attracting attention; otherwise, he would have earned even more.

With the money, Hua Shier told Wang Baichuan's parents that his business had grown too big and Nantong was no longer enough for him, so he was going to Shanghai for a trip.

Then, with the blessings of Wang Baichuan's parents, he amassed a fortune of 1 billion yuan and went to Shanghai alone.

Ode to Joy, here comes Hua Twelve!

Thank you to 08a, Little Tiger of the Demon Realm, ☆Golden Scale☆, Dreamy Demon, and God of Death Li Meng for their generous donations. Thank you also to the brothers who voted with monthly tickets and recommendation tickets. Thank you very much.