Siheyuan: Rebirth of a comfortable life starts with Shazhu

If someone can truly understand the ins and outs of self-awareness, that person is destined for success, regardless of the degree of success.

At least life won't be too bad.

Knowing one's own limitations makes one much wiser.

If you know the depth of your feelings for others, you will not be rash or easily trusting.

But most people lack this quality.

Just like Yan Jiekuang and his son, their family is currently facing the problem of not being able to recognize their own situation.

Xu Damao's suggestion that Yan Jiekuang set up a toy stall was indeed a trap.

But the pit was right in front of them, and with the eyesight of the Yan father and son, they should have been able to see it clearly.

Yan Jiekuang's current situation is that although he suffers from the cold every day, he can earn several yuan.

If we can hold our ground steadily, we won't have any other short-selling ideas.

That's a good business.

Once things settle down, we can bring our wife and son home, and then we'll be a good family again.

In fact, Yan Jiecheng and his wife, along with Yan Jiedi, had advised Yan Jiekuang countless times.

Make him go to Tongxian to apologize, make a promise, and bring Zhang Chunhua and her son back.

But Yan Jiekuang kept putting it off.

The biggest problem here isn't him, but Yan Bugui.

Yan Jiekuang was young and naive, and it's understandable that he felt he had lost face and refused to accept the offer.

It's not incomprehensible that young people can't recognize their own limitations.

But last time, when Zhang Chunhua went back to her parents' home after making a scene, it wasn't just Yan Jiekuang who lost face; Yan Bugui and his wife lost even more face.

Regardless of their inner thoughts, they never mentioned to Yan Jiekuang that he should go pick up his wife.

This statement is not entirely accurate; rather, Yang Ruihua did mention it.
She said she missed her grandson and asked Yan Jiekuang to go and visit him.

But Yan Jiekuang remained silent, and then the old couple didn't say anything more.

There's no difference between advising and not advising.

Recently, Yan Jiekuang had a conflict with his father.

Yan Jiekuang was thinking of taking on that wholesale business, and Yan Bugui also thought it was feasible.

But when Yan Jiekuang borrowed money from him...
Old Deng then put forward new conditions.

According to Yan Bugui, the money can be lent out at a 20% interest rate.

Or it could be considered a partnership, with him taking 80% of the profits.

That means if there are 100 pairs of roller skates and the profit is 3 yuan per pair, he will take 240 yuan.

Yan Jiekuang certainly couldn't agree to such an outrageous demand.

"Dad, you're too dark-skinned."

"It's even worse than the usury before liberation!" Yan Jiekuang's face flushed. He had specially prepared some meat dishes and bought a bottle of wine today in order to borrow money.

After they had drunk enough wine, he finally spoke to Yan Bugui.

Yan Bugui lowered his head, toying with the wine cup in his hand.

Upon hearing this, he didn't look up, but glanced at Yan Jiekuang through his glasses and said, "Third brother, let's talk business. I really didn't calculate this with you."

You asked for a thousand dollars right off the bat.

If you really want to use this money for something important, then it's not right for your father to calculate interest with you.

But you're going to do business, to make money.

What's wrong with giving you two percent interest per year?
I deposit my money in a bank as a fixed deposit, and I get over ten percent interest.

If you go to the street to borrow money now, every bank will charge you 30% interest.

"Oh, you only think about how much money you're making, but you don't consider how much interest your dad will lose if I withdraw this money from the bank right now?"

In fact, Yan Bugui's statement is also a fallacy.

Yan Jiekuang asked him for money, just to tide him over, for a few days at most.

However, Yan Bugui demanded that Yan Jiekuang borrow the money for a whole year.

The trick here is simply that they can't charge Yan Jiekuang interest for a short period of time.

According to Yan Bugui, wholesale business is definitely not a one-time transaction. Constantly having them withdraw and deposit money from the bank is tantamount to preventing them from earning fixed-term interest on their 1,000 yuan.

With three- to five-year fixed-term loans, the annual interest rate can indeed be over ten percent.

But Yan Jiekuang also had his own thoughts. How many times a year could he do a big business of a hundred pairs of roller skates?
Other wholesale businesses might only involve a few items here or a dozen or so there. Once the money in his hands has circulated a couple of times, it's enough to build up his capital.

However, Yan Jiekuang considered himself a scholar and wanted to earn money in a fair and honest way.

So when it comes to these fallacies, he really can't argue with Yan Bugui.

"I can just ask my older brother and younger sister to borrow it. How can you be so heartless?"

But let's be clear, the money I borrowed is for wholesale business.

"The profits from that have nothing to do with you," Yan Jiekuang said angrily.

"Hiss..." Yan Bugui felt a toothache.

That little rascal, he's too shrewd when it comes to accounting.

Yan Bugui also blushed and said, "That won't do. If it's a partnership, then it's a partnership."

"If you didn't have this stall, you wouldn't be able to do this business."

This is the Yan family; father and son can argue heatedly over a few coins.

In comparison, both Yan Jiecheng and Yan Jiedi escaped the Yan family's scheming.

Yan Jiecheng's wife, Lan Hua, is not as shrewd as Yu Li, but her only advantage is that she is very calm and composed.

Knowing your own capacity and how much food you can eat.

"Then let's break up."

"I'll return your principal to you," Yan Jiekuang said through gritted teeth.

He had been thinking about this for a long time.

He earns a decent amount from his stall each month, but he always has to give his parents 40% of it, which makes him feel the pinch.

Now that his retail business is stable, he no longer wants to share money with Yan Bugui and the others every day, regardless of whether he has wholesale business or not.

Yan Bugui was dumbfounded when he heard this.

He intended to criticize Yan Jiekuang for not following business rules.

But when he lent money to Yan Jiekuang to start a business, he didn't specify how long the partnership would last.

Now that Yan Jiekuang says he wants to break up with him, it seems quite reasonable.

"Tsk... Third brother, let's discuss this again."

"This isn't right, this can't be handled like this." Yan Bugui picked up his wine cup and drank it all in one gulp, but he didn't know how to reason with the third brother.

To be honest, if Yan Jiekuang could borrow money from Yan Jiecheng and the others, he wouldn't waste his breath talking to Yan Bugui.

He had been clamoring for a while to break up the partnership and stop including the elderly couple in the activities.

He had visited Yan Jiecheng and Yan Jiedi's homes, and their brother and sister had similar opinions, advising Yan Jiekuang not to think about expanding his business too much for now.

The most important thing is to go to Tongzhou to pick up my wife and kids first.

His sister-in-law, Lanhua, was more direct, saying that they had a thousand yuan.

If Zhang Chunhua borrows the money, she won't ask for a single penny of interest.

But if Yan Jiekuang tried to borrow money like that, she wouldn't lend him a single penny.

This must be the kindness of Lan Hua, the eldest sister-in-law.

I hope that the third son's family can live in harmony.

But in Yan Jiekuang's mind, she became his sister-in-law, holding money and trying to force him to bow down to Zhang Chunhua.

This is the kind of thinking that gets stuck on a single point.

They took other people's good intentions for granted.

Finally, after much back and forth, the father and son reached an agreement.

If the partnership doesn't break up, Yan Bugui will contribute money, and the income from the wholesale business will still be divided according to the previous method.

However, Yan Jiekuang had to use the profits to supplement Yan Bugui's income based on bank interest rates.

You have to replace it every few days you use it.

But neither father nor son said what would happen if they lost money. (End of Chapter)