Damn it, I'm in the garbage book I wrote

Chapter 334 Oh, Lord, please don’t be anxious.

Xia Lin met Duke Lu again. This time the Duke seemed much more polite. He first talked to Xia Lin about literature and martial arts, and then about the stars and the sea.

It has to be said that people who come from aristocratic families, no matter how stupid they are, are indeed much more knowledgeable and experienced than ordinary people.

But his map of Yan State is really long, and he even talked about the teachings of Confucius and Mencius, and he is still talking.

Xia Lin just chatted with him. This compelling chat mode has actually not changed much in thousands of years.

We have just started talking about Confucius and Mencius, and we will probably have to talk for a while. After all, they are big figures, and I can't bring myself to talk to them directly.

After chatting for more than two hours, he suddenly changed the subject: "Speaking of which, I should pay back the money I borrowed before, but the interest is too high. I wonder if Lord Xia has any way to reduce the interest so that I can have some breathing space."

When Xia Lin heard this, he was delighted. This bully finally stopped talking and his true intentions were revealed.

However, he couldn't show his happiness on his face. He had to pretend to be in a difficult situation: "The county lord knows that everything in Fuliang County is done according to the law. The contract is the law. I am just a county magistrate and I can't do anything about it."

Now it was Lord Lu's turn to scratch his head. "What should I do? To be honest, if my family knew about this, the elders in the clan would be angry. They are old, and if they get hurt because of such a small matter, I would be considered unfilial. I have always heard that Lord Xia is resourceful, and I would like to ask Lord Xia for help once. I owe you this favor."

Xia Lin didn't care about these things at all. His favors? The favors of this scoundrel were useless even to dogs.

"My Lord, this is really difficult to handle. The business you borrowed the money from is the Gao family's business, which has nothing to do with me. Besides, I don't have much money to give you. When you burned down their shop, the money didn't fall into my hands." Xia Lin sighed and said, "Besides, isn't it natural to pay back debts?"

Duke Lu understood the reason, but now he is at his wits' end. When signing the contract, they said that they could only lend him such a large amount at once out of consideration for Duke Lu's face. If he cannot pay back the money now, guess if they will come to his door?

This is not a small amount of money, even if they take the Lu family's reputation into consideration, the reputation of Lord Lu is not that valuable. So they may not make it public, but they will definitely ask the Lu family for money.

This is what Lord Lu fears the most, otherwise he would never come to ask Xia Lin for help.

"That's the truth, but..."

Duke Lu was in a dilemma. He took a deep breath and said, "Lord Xia, what do you think we should do?"

"I understand that a penny can make a hero fall. But I really can't help you with this matter. The Duke also knows that it is Prime Minister Gao's property. How can a small county magistrate like me touch it?" Xia Lin's tone was full of helplessness.

Seeing that he would not help, Lord Lu could only stand up and leave in dismay. But at this moment, Xia Lin slapped his thigh and said, "Hey! I do have another idea. I wonder if Lord Lu would like to learn about it?"

Duke Lu, who had just stood up, sat down again and looked at Xia Lin with hope on his face: "I hope Lord Xia will make it clear."

At this moment, Xia Lin pursed his lips and was silent for a moment before saying, "I wonder if the county lord has ever heard of the mortgage?"

"Mortgage? Oh, you mean the pawnshop, right? Lord Xia, you're not asking me to pawn something, are you?" Lord Lu even laughed when he said this: "Lord Xia is really good at joking. How much money can I get from pawning?"

"No, no, no, it's not a pawnshop." Xia Lin looked up. "There is also a shop called Li's in the northwest of the town. It's newly opened. They seem to have a business of mortgaging land and real estate, and the price is fair."

When he heard the word "Li family", Duke Lu almost had cramps. If possible, he didn't want to have anything to do with the Li family again in his life and would rather become enemies with them completely.

But now the creditor was pressing for payment, and he had no other options. He could only grit his teeth and ask, "I'd like to hear more details."

"It's like this. The Li family has some tricks to this mortgage. They do large amounts, you know the large amounts. That is, you borrow money from them, use the family's real estate as collateral, and then use the borrowed money to repay the Gao family's debt. I have inquired, and many people have mortgaged their real estate there. The price is fair, but they will charge a fee of about 10%."

"really?"

Pawnshops usually pledge 30% to 50% of the property, but this mortgage can get 90% of the property, which is a good deal. Although Duke Lu does not have much money, he still has a lot of real estate, most of which are in Fanyang and Luoyang. In particular, he inherited about 1,000 acres of land from his father around Luoyang some time ago. No one has cultivated it for a long time, and no one knows what is going on now.

Now the price of an acre of land in Luoyang is about 20 taels, and 90% of it is 18 taels. If you count about 1,000 acres, you can get 20,000 to 30,000 taels. Isn't that a good deal?
"What should I do if I don't have the title deed with me?"

"Oh, I don't know about that. I'll take you there and see what they say."

"Then I'll have to trouble you, Master Xia."

In fact, this was the beginning of a situation of robbing Peter to pay Paul. Although Duke Lu had no confidence, the Lu family of Fanyang still had confidence. He successfully pre-paid the silver and signed a contract, and then used the silver to make up for the deficit of the previous family.

After paying off this installment, he felt relieved, but Xia Lin soon broke his heart with a sentence: "Lord Lu, you still have three installments to go, and the 1,000 acres of land will belong to others. How many acres of land do you have?"

Duke Lu was shocked at the time and was speechless for a long time, because after the land was pawned this time, he no longer had any property that belonged to him completely. The rest were all family assets. Although he was the head of the family, he could not make the final decision if he wanted to move the family assets.

"What should we do?"

Xia Lin sighed at this moment: "Lord Lu, wish you the best."

Seeing him like that, Lord Lu probably understood that he actually had some ideas, so he quickly followed Xia Lin's steps and said, "Lord Xia, I know you must have some ideas, right? If Lord Xia is willing to lend a hand, I will never forget it."

"This..." Xia Lin pretended to hesitate for a moment, then waved his hands repeatedly: "It's really gone, it's really gone."

Seeing him like this, Lord Lu became more and more convinced that he must have a way, so he used his perseverance and began to pester him. Xia Lin was very impatient with him and even looked a little disappointed: "Lord Lu, some things are like ill-gotten gains, it's better not to touch them if you can. Lord, do you understand what I mean?"

"Master Xia, now that things have come to this, I still have to worry about whether it is an illegal fortune or not. As long as I can make money, it is the right way. I hope Master Xia can point out a clear way."

Xia Lin stared at him for a long while and said, "Come on, let's talk inside."

Lord Lu happily followed Xia Lin. When they got to the house, Xia Lin closed the door, poured a cup of tea for Lord Lu, took a deep breath and said, "Actually, this matter is not something that can be made public. I will explain it to Lord Lu, and you can decide for yourself."

"Master Xia, please speak."

Xia Lin took a sip of the water and said, "Lord Lu has been in Fuliang for quite some time. He should know that food and coal are very cheap here. But Lord Lu, do you know why they are so cheap?"

"I don't know."

"In fact, this is a wild way to go. It's not illegal, but it's risky."

"Appreciate further details."

So Xia Lin briefly explained the idea of ​​futures to Lord Lu, which is to judge the production capacity in the future based on the comprehensive price after estimating the output, and then buy bulk commodities at a relatively low price. However, the spot of this commodity is definitely not on hand, and it can be picked up according to the contract at the appointed time.

A market economy means that when output is high, the market price is low, and when output is low, the market price is high. For example, at the beginning of this spring, Fuliang is going to initiate an order for 1.8 million jin of soybeans with the grassland, but now the soybeans will not be available on the market for another half a year. But if we roughly estimate the output now, even if the market price of soybeans is one penny more expensive per jin than the price on the order, it will still be 1,800 taels of silver. What's more, there are more than just soybeans here and the output is not just this much.

It seems that the profit from each transaction is not much, but throughout the year, Fuliang can earn 300,000 or even more from the raw materials of various products.

Upon hearing this model, Duke Lu was excited, but the problem was that it was commodity trading, and the investment was too huge.

But at this moment, Xia Lin laughed: "Raise the commission."

"Why?"

"Why can Fuliang make so much money? In fact, a large part of it is commissions. The commissions for grain, tea, salt, and iron. Their goods are transferred here, and I extract a certain amount of commission from these goods every day. However, this is Fuliang's business and has nothing to do with individuals. But if Lord Lu wants this commission, he only needs to attract more funds. Every transaction will get a commission of 12,000 yuan."

"What if I buy it myself and then bring someone else over?"

"Of course it's more." Xia Lin said seriously, but soon he changed the subject: "But Lord Lu, let's be frank. This is gambling with fate. For example, this year's soybeans are seven cents a pound, and raw coal is four cents a pound. But if a mine is suddenly opened there next year, or there is a bumper harvest, the soybeans will drop to five cents and the coal will drop to two cents. That will be a huge loss."

"Hahaha, this year's harvest is already a bumper one, how could it be even higher next year?"

Xia Lin rolled his eyes, then sighed, "The world is unpredictable, Lord Lu. I advise you not to take this path. Don't bear grudge against me when you lose money. This matter will really ruin your family."

Even though the conversation had come to this, Lord Lu thought that Xia Lin didn't want to help him get rich, so he pursed his lips and stretched his neck, his eyes reddening: "I will go back home and talk to the elders of the clan, Lord Xia, you are not allowed to regret it."

"Why would I regret this? If you want to bet on this, can I stop you?"

"So what's the best bet this time, Master Xia?"

"Let's talk about coal. The soybean cycle is too long, I'm afraid you can't wait. As for coal, the mines in Fuliang will reduce production this year. Many places in the north have been experiencing continuous rains this year, making mining difficult. I'm afraid production will be reduced."

"it is good!"

Duke Lu was now obsessed with ways to make money, and without saying a word or even informing the Third Prince, he set out on the road back to his hometown like a madman. He was so determined that he was afraid that if he was a step slower he would miss out on his chance to make money.

"Master Xia, will the price of coal really skyrocket this year?"

At this moment Du Feng came forward and said, "Then I have to go stock up some."

"A sharp increase." Xia Lin rolled up his sleeves and sneered, "The Fuxin coal mine is coming. I asked the Yongshan coal mine to reduce production to reduce losses. It is the largest open-pit high-quality coal mine at this stage. The daily production capacity is more than 100,000 catties. The market is directly filled. This winter, the price may be at most two cents per catty, including the freight, of which the freight is one and a half cents."

Du Feng widened his eyes: "Then you..."

"Don't worry. The price will definitely rise sharply in the first three months because the coal mines on the grassland were flooded and the Yongshan Coal Mine stopped production. The price will fluctuate greatly. Let them make some money first. This is just the beginning. Just wait and see. The Lu family will eat his flesh."

With Lord Lu's intelligence, he still plays futures. Futures have always been the place where exchanges make money, and the dealers are at risk of being strangled. What's more, these retail investors who rush in without knowing anything can just give them some soup if they are in a good mood. Why do they still expect to make money from bulk transactions?
As for Xia Lin, he is now both a player and a referee. He basically monopolizes the logistics and mineral resources. Yet they still follow him. Isn't this just giving away money?
But it's pointless to just take advantage of Duke Lu's wealth. I heard that the Lu family in Fanyang is quite wealthy. When I get real money, I will make sure that they won't be able to utter a word of complaint.

Play the long game to catch the big fish, you must not miss the money of these noble families. Not to mention how awesome the noble families are, if Xia Lin didn't know Huang Chao, he would still think they are awesome. But since he knew Huang Chao, Xia Lin completely understood that this world is absolutely a huge makeshift team. There are awesome people, but not many.

Besides, the damn gambler will die a miserable death. He likes gambling, right? —
Dear Sirs, let me briefly explain the problem with the update during this period. In fact, it was because of some problems with my mental state. I began to experience early symptoms of depression such as loss of interest, boredom, drowsiness, and daze. I also experienced this for a period of time in 17-18, so I still have some experience, but it takes some time to alleviate.

Of course, the best way to relieve the pressure is to get rich quickly, but this is just something you can think about. Don't think too much about it, because thinking too much will only make you more depressed.

(End of this chapter)