Rekindling the Youthful Era

Chapter 783: Pay some interest first
[Interest Agreement]: Interest-free loan, but proof of at least one morning run per week is required.

[Repayment Method]: The principal will be repaid in a lump sum at maturity, while interest will be collected regularly every week.

Xu Youyu stared wide-eyed as Li Luo wrote those two paragraphs, then immediately gave a speechless look.

"You'll stop at nothing to squeeze every last drop of energy out of me," Xu Youyu said, scoffing. "Who charges this kind of interest when borrowing money? Can you even call this interest?"

“Why not?” Li Luo chuckled. “Go out and ask around. If someone borrows 800,000 yuan and doesn’t ask for interest, as long as you go for a run at least once a week, how many people would be happy to sign such an IOU?”

"Hmph, you just want to bully me," Xu Youyu said irritably. "What if I don't run away?"

“If you don’t run away, then you won’t pay interest, and you’ll definitely be punished,” Li Luo said casually.

Upon hearing this, Xu Youyu immediately raised his eyebrows, realizing that there seemed to be a loophole to exploit. He chuckled, snatched the pen from Li Luo's hand, and began adding details to the IOU.

[Note]: If the debtor is unable to repay the interest, the following methods can be used instead.

1. One free ride*

2. One free role-playing session.

3. Or, in any way the lender desires, fulfill the other party's request once.

Li Luo watched as she buried herself in her writing with great enthusiasm, but he had no idea what she was writing.

After Xu Youyu finished writing, Li Luo glanced down at it and then had a look of exasperation on her face: "Isn't this illegal? The court won't recognize an IOU written like this."

"What does it matter? Do you think I won't pay you back?" Xu Youyu rolled her eyes at him. "You transferred 800,000 yuan directly to my account. If I didn't write an IOU, you can't do anything to me now."

“But it seems you don’t intend to pay the interest according to what I wrote,” Li Luo said helplessly. “My original intention was to encourage you to exercise more, but you’ve turned it into paying with your body… It just feels weird.”

"Don't you like it?" Xu Youyu snuggled close to Li Luo, smiling as she breathed hot air into his ear. "My dear creditor~ whatever you want, I'll do it~"

"I don't feel like I'm collecting interest here," Li Luo said helplessly, his arm around Xu Youyu's slender waist. "You're clearly enjoying yourself, so it feels like I'm paying interest."

"What? Don't you enjoy it?" Xu Youyu grabbed a handful of food, then chuckled. "You see, what someone says doesn't count; the body's reaction is the most honest."

“Then at least once a month for a morning run, right?” Li Luo sighed, and could only take a half step back. “If we use this method every time, then the interest repayment plan I wrote as the creditor will be completely useless.”

"Hmm..." Xu Youyu didn't expect that even after she had tempted him so much, this guy would still want her to go for a morning run. In the end, she had no choice but to agree, thinking that once a month wasn't too much. "Okay, I'll do whatever you say."

Thus, through friendly negotiations between the creditor and the debtor, a brand new IOU was written.

Although it's called an IOU, it's basically useless; it's mainly just a bit of fun between young couples.

After all, if the special substitute clauses written by Xu Youyu were submitted to the court, the legal validity of the entire IOU would be questionable.

"Come on, sign this." Xu Youyu finished filling in the remaining parts of the IOU, signed his name, and handed it to Li Luo, shoving the pen in his hand into Li Luo's hand as he urged him with a smile.

Li Luo bent down to sign, and after he finished, he saw Xu Youyu move the red inkpad she had carefully prepared over and raise her eyebrows at him.

"You're quite formal." Li Luo chuckled and shook his head, pressing red clay onto his thumb and then onto his signature.

Xu Youyu also pressed his fingerprint on the paper.

Soon, the two copies of the IOU were signed and finalized.

"One for you, one for me, keep them safe," Xu Youyu said with a grin. "Remember to come find me for interest later."

"Heh." Li Luo chuckled, setting the IOU aside. He reached out and pulled her into his arms, flipping her over and pinning Xu Youyu to the bed. "Then why not do it today? Let's pay the interest first."

"Eh? Now?"

"What? No?"

"Then, sir, which terms would you like to choose?"

"It's not bad as it is now." Li Luo chuckled, lifting her chin and smoothly transitioning into conversation, "You haven't paid your bill for this month yet, what are you going to do?"

Upon seeing this, Xu Youyu's expression immediately turned pitiful: "Um... could you please extend the time by a few more days? My salary hasn't been paid yet."

"You said that a few days ago, how long are you going to drag it out?"

"But, but... please, I really don't have any money on me right now. I'll pay you back as soon as I get my salary, okay?"

“Then I’ll have to charge you interest on these extra days you owe.” Li Luo got up from Xu Youyu, leaned against the headboard, and looked at her, saying, “Then you can pay me back an extra five hundred.”

"How can this be?" Xu Youyu's face immediately turned anxious. She took the initiative to hug Li Luo's arm and shook it, pleading, "I still have parents to support, a younger brother to go to university, and many other expenses at home. I really can't afford to pay back another five hundred."

"Then what do you suggest?" Li Luo countered. "Either pay it back today, or pay more interest. There has to be some cost, otherwise wouldn't everyone be able to default on their debts without any burden?"

"This..." Xu Youyu looked troubled. After hesitating for a moment, she finally extended her hand. "Then, how about this... is that okay?"

"……you sure?"

"If we could have a few days' grace..."

"That's what you said."

"Mmm... Ugh~ No~"

"Do you want it or not? If you don't want it, then forget it."

"No, no... I just did it instinctively... You, you come... um~"

……

In the early hours of the morning, Ying Chanxi was lying on the bed in the master bedroom, scrolling through her phone. As she scrolled, she became sleepy and fell asleep without realizing it.

She was startled awake when she heard the door open. She looked at Li Luo and Xu Youyu walking in from the corridor and mumbled a greeting.

"You're here? I was asleep."

"Okay, go to sleep." Li Luo got into bed, then pulled Ying Chanxi into his arms and patted her head.

However, Ying Chanxi couldn't fall back asleep after being woken up. She picked up her phone and glanced at it, only to realize that it was already past midnight.

I vaguely remember that when Li Luo went out to look for Xu Youyu, it was only a little past ten o'clock...

Why did it take you two hours to get back? Ying Chanxi hummed and asked in a low voice, "What were you and your senior doing over there?"

"Let's discuss her buying a house." Li Luo lowered his head and kissed Ying Chanxi on the forehead. "She plans to buy a house in Tianlu Yaju so that Uncle Xu and Aunt Cui can move in later."

"I see..." Ying Chanxi nodded, then couldn't help but ask, "Are you buying it? Or..."

“She took out a loan to buy it herself.” Li Luo glanced at Xu Youyu, who had just lain down beside her. “I wouldn’t mind buying it for her, but someone doesn’t want it.”

“I’m buying a house for my parents, of course I’ll buy it myself.” Xu Youyu rolled her eyes at him, then turned and hugged Ying Chanxi. She then said with a grin, “But I don’t have enough principal. I’m still short 800,000 yuan to barely make up for the down payment, so I borrowed some from Li Luo.”

"Someone even forced me to sign an evil IOU, how wicked."

"We were arguing about the terms of the IOU just now, and we had a big fight."

“Yes, yes.” Li Luo glanced at Xu Youyu. “They did have a big argument.”

They were so noisy they were practically wearing the bed frame down.

"What's there to argue about with an IOU?" Ying Chanxi asked, puzzled.

“I’m willing to pay him interest, but he doesn’t want to,” Xu Youyu explained simply.

"Oh, oh." Ying Chanxi realized and nodded repeatedly, "Then there's really no need for interest, it's all..."

She was about to blurt out "we're all family" when she stopped herself.

Ying Chanxi's face tightened, realizing that she seemed to have gradually accepted this setting. She hummed softly in Li Luo's arms and refused to continue talking, simply closing her eyes to sleep.

Xu Youyu naturally guessed what she was going to say, and chuckled softly without saying anything more.

Meanwhile, Yan Zhusheng, Ying Chanxi's good sister, took the initiative to fill in the gaps in what she had previously omitted, peeking out and saying, "We're all family, there's really no need for interest."

"Go to sleep now." Ying Chanxi reached out and pressed Yan Zhusheng's head back down, telling her to say less.

Li Luo immediately skipped the topic of the IOU and instead asked Xu Youyu, "So when are you planning to go house hunting?"

"Let's talk about it after we move there next month," Xu Youyu said. "Then I'll take my parents to visit our old house first, and then we can choose a suitable one nearby."

"Will your parents agree to you buying a house?" Li Luo asked hesitantly.

“Buying a house is my own business, and I’m not asking them to contribute money,” Xu Youyu chuckled. “Don’t worry, only my mom will feel the pinch. As for my dad, as long as you can convince him on reason, it’s actually quite easy to get him to agree.”

"Really."

“That’s true.” Xu Youyu said, then sighed, “But a villa over there isn’t cheap either. With your 800,000, it’s just a down payment.”

"I need to write at least two more long novels with this level of achievement before I can pay off the loan."

"It would be terrible if the next book flopped."

Upon hearing this, Li Luo immediately laughed: "If you fail miserably, just come to me to borrow money to pay off your debts."

"Tsk, is someone thinking about something good again?" Xu Youyu rolled her eyes at him, then said, "And there's the renovation cost too. Renovating a villa isn't cheap, and all the royalties for the rest of this book will go towards that."

"If you calculate it that way, it really does require a lot of money." Upon hearing this, Li Luo stroked his chin and started calculating in his mind.

After pondering for a moment, he gradually came up with a plan, but he was not clear on how to carry it out, so he did not tell Xu Youyu in person.

……

The next day was another Monday.

After finishing Xu Rongsheng's modern and contemporary literature class, Li Luo went to Xu Rongsheng's office to learn about the progress of the establishment of a subsidy for impoverished students.

The overall plan has been approved by the school's Party Committee, but a series of subsequent procedures still need to be followed.

Xu Rongsheng handed over all the necessary documents and papers to Li Luo, instructing him to fill them out in the name of "Reigniting Culture" and then submit them to him later.

Li Luo said no problem, and immediately sent these things to Ying Chanxi and lawyer Tian, ​​asking them to take care of the matter.

After lunch, Li Luo took out his phone and called a platinum-level executive he knew who was also a vice chairman of the Writers Association.

After exchanging pleasantries and pleasantries, Li Luo got straight to the point: "My friend has a book with an average daily subscription of 20,000. He's hoping to sell it through Wenyue, but that'll probably take forever. Do you know if the Writers' Association has any promising channels that could help him get it done?"

"Well... it mainly depends on how you promote it." After considering it for a moment, the platinum-level expert said, "The Writers' Association has quite a few resources to connect with, but the key is how you promote the book in front of them."

"Well then, doesn't the Provincial Writers Association have a plan to focus on supporting key projects under its cultural excellence program?"

"As the vice chairman of the Writers Association, write a letter of recommendation for key works and submit it to the secretariat."

"Copyright is mostly just hype. The people who buy copyrights don't understand the content at all and can't tell the quality of a book."

"You can only talk to them about various titles and awards, so you have to hit the nail on the head before you speak, no matter what."

"For example, Qidian should have an annual work selection at the end of the year. 20,000 average subscriptions is not low. We can also ask her to try for it then."

"Then the Writers Association will also hold some copyright salons and roadshows, or some work seminars from time to time, which you need to organize yourself at your own expense."

"There are still many ways to do it, it just depends on how you do it."

After listening to the platinum expert's long list of methods, Li Luo's thoughts became clearer and clearer. So, after the expert finished speaking, he quickly thanked him.

Are you free this week? I'd like to invite you out for dinner.

“Sure,” the platinum executive said with a smile. “It’s more convenient to talk about it in person; there are some things that are hard to say over the phone.”

“Okay, then this Saturday?” Li Luo asked. “I have to go to class during the week.”

After hearing this, the platinum-level executive fell silent for a moment: "...Damn it, we've been chatting so much that I've forgotten you're still a college student. You're really something."

"Ahem... You also became famous at a young age, you're much more capable than me."

"Forget the flattery, see you on Saturday."

(End of this chapter)