Journey 1995:Non-Stop

Chapter 370 Borrowing Money and Investing

The whole village knew about Yan Hui's return home and his donation to the village in less than a day.

In fact, Yan Hui didn't mention this matter, and the village didn't make it public, but everyone in the village knew about it, even some people who hadn't returned to the village yet.

In particular, a few days later, the village directly announced the list, which caused an uproar. Many people felt that the village's distribution was unfair, and some even went to the village to make a scene, believing that the village had given them too little.

The village's list is definitely biased towards Yan Hui; those who had previous conflicts with him didn't receive a single penny. Aside from that, the distribution is relatively fair, but this fairness is the fairness in the eyes of the village secretary and Yan Hui, not the fairness in the eyes of those who received less.

In particular, some people who had a good relationship with the village party secretary came to him early on.

It wasn't until this point that the village secretary learned what the extra 50,000 yuan Yan Hui had given the village was for. Because of this money, he didn't dare to complain to Yan Hui and could only patiently deal with each issue one by one.

“This year, five people have asked our family for money. I lent to two families. One was Yan Shuxi’s family at the village entrance. Your Uncle Shuxi was good to you when you were a child. This year, he had surgery and was really short of money, so I lent him 10,000 yuan. The other was Yan Dezhao’s family. Although Uncle Dezhao has passed away, he had a good relationship with your grandfather back then. His grandson went to college, so I lent him 8000 yuan. I refused the others,” the father told Yan Hui.

Yan Hui had been back for three or four days, and he had been going to the county the whole time, mainly because of the renovations. In those few days, at least seven or eight people had come to the Yan family to ask for money, but Yan's father had turned them all away. That evening, Yan Hui returned home, and his father talked to him about the matter.

"How is Uncle Shuxi's health?" Yan Hui asked in return.

"It's not bad. He's back home recuperating, but he can't go out to work for the time being," the father said.

"Uncle Shuxi has been quite good to me, Dad. Here's what we'll do: before you come to Jinan for the New Year, after I leave, please send him 5000 yuan separately. We won't ask for the money he borrowed before. As for Grandpa Dezhao, that's it. He can pay it back if he wants, or it doesn't matter if he doesn't," Yan Hui explained. "You really have to be careful when lending money, but once you've lent it out, don't expect it back. Of course, if it's for business purposes, then you absolutely mustn't lend it to him. We'll talk about it when I get home."

"You don't want any of it? Hmm, that's fine, but why do we still have to send some over?" The father was very puzzled.

"Uncle Shuxi is definitely short of money, and it's difficult for him to repay it, so why add to his pressure? On the contrary, if he comes to borrow again someday, should we lend him or not? We've already borrowed from him, so it wouldn't look good if we didn't, and it would be even more troublesome to borrow again. In this situation, we might as well take the initiative to give him 5000 yuan and waive the debt. He will definitely be very grateful to our family, right? You can also mention that it's not easy for me to do business outside. With Uncle Shuxi's personality, he will never ask us for money again in this lifetime. On the contrary, he will always support our family. As for the college tuition, that's an investment loan. My grandfather and Grandpa Dezhao have a good relationship, that's their generation's business. I haven't received any favors from them. If Grandpa Dezhao's grandson graduates from college, they will repay the money, and of course we will keep it. If they don't repay it, we won't mention it."

“You’ve experienced a lot more out there now. You’re right.” The father nodded. After spending a few days together, he felt that his son was becoming more and more mature.

He just sighed a little. He hadn't raised his son, so the father-son relationship wasn't that deep, and he always felt indebted to his son.

But thinking about it the other way around, if he had raised his son himself, he certainly wouldn't be as capable as he is now. Once he thought about it that way, he felt relieved. After all, he's his son, and it's only right that he enjoys the fruits of his son's success.

“I’ve suffered a lot of losses and seen many things like this. In the future, if the village wants to build a water supply system, a garbage disposal system, or if the town wants to build a primary school, we will support it and donate money. In addition, sponsoring some poor students will be enough.” Yan Hui had already made up his mind.

With great power comes great responsibility. This saying is not just about proactive behavior; sometimes it comes about being passive.

Building the tallest house in the village is no easy feat. And anyone who wants to build taller than Yan Hui's house in the future will have to think twice. These past few days, Yan Hui has also notified some people about organizing a class reunion.

Last year he gave Chang Mingchao and the others 2000 yuan to do a good job, and this year Yan Hui was finally able to participate.

With a driver, everything became incredibly convenient, including drinking. Plus, the village roads were repaired, so Yan Hui could easily return home after dinner. He specifically hired a car to take his classmates to the county town for a gathering and even arranged accommodations for everyone.

After not seeing each other for several years, everyone's condition has changed a lot. Many people came with their children. Yan Hui even met Liu Yu's child.

They met six or seven children in total. Yan Hui asked Li Pengfei to buy some small gifts and gave one to each child. The gifts were all worth about one or two hundred yuan each, and Yan Hui didn't give any special treatment to anyone.

"Yan Hui, you're doing big business out there now, why don't you consider going back to your hometown and building a factory? We can help you with anything," a classmate suggested.

“I’m too busy building the factory back home, but if you want to make money with me, that’s fine too. I’m open to investment. We’re all my classmates, and I guarantee a return of over 20% per year.” Yan Hui offered the best possible solution.

Given Yan Hui's current size, even if his classmates invest 100,000 or 200,000 yuan with him and Yan Hui loses money, he can still make up for the 20% return. This investment can be said to be a sure thing.

If Yan Hui said this in Jinan, a bunch of secondary agents would immediately swarm around him, holding up money and wanting to invest. Of course, if Yan Hui wanted to use the money, he could get a lot with a 10% interest rate; he wouldn't need 20% at all.

Among his classmates and friends, Yan Hui has always been willing to mentor and help others.

Years later, Yan Hui received an investment from his friends, totaling three to four million yuan. Over the next few years, he helped these friends achieve returns of nearly 100%. With the returns exceeding the principal, he was "besieged" by his friends once because the repayment was delayed, almost resulting in online abuse and even public opinion.

Those who manipulated public opinion at the time claimed there was a multi-million dollar investment in order to amplify the matter.

Yan Hui was somewhat helpless at the time. Before the investment project was even completed, he personally returned all the investment funds. From then on, Yan Hui never accepted such investments again.

Of course, that's a story for another time.

At this moment, Yan Hui was still willing to help. In his opinion, he couldn't give his friend money. If he wanted to help his friend, the best way was to directly use his friend's money to help him make money.

However, even though Yan Hui meant well, his classmates didn't dare to trust him too much because they hadn't seen him for several years, and no one was willing to give him money, which Yan Hui didn't care about.

(Some younger readers might not understand these chapters if they haven't accumulated some wealth, but they feel quite realistic. Perhaps this is the difference between this book and a typical wish-fulfillment novel.)
(End of this chapter)