Living in a small county town, earning a million a year

Can we discuss Chapter 4? If not, forget it.

After sending that message, Xu Mu added, "But if you're having trouble, I'll think of something else."

After all, in this day and age, making money is not easy for anyone.

Moreover, many of them are people who borrow money and don't repay it.

Xu Mu didn't want money to affect his brotherly relationship.

However, to Xu Mu's surprise, Tong Wu made a video call to her.

"What's wrong? Do you need to verify my identity before lending me money?"

Xu Mu answered the video call and asked with a smile.

Tong Wu, with his innocent-looking face, scratched his head sheepishly and said with a smile, "Brother Mu, there are a lot of account hackers these days, often impersonating others to borrow money!"

"I need to confirm this."

"Ha ha!"

Xu Mu laughed and said, "But you don't have to force yourself to borrow money. After all, you just graduated not long ago, and the current economic climate is not good. It's not easy to earn money."

Tong Wu waved his hand and started talking about the past, "Hey, Brother Mu, you helped me a lot back when we were in school!"

"Besides, I know you. If you weren't really desperate, you definitely wouldn't have asked me for money."

In the video, Tong Wu sat up straight and looked at Xu Mu, saying, "Didn't I order a Xiaomi SU7 Ultra? I have 600,000 yuan in my account, but I won't be able to pick up the car for another eight weeks. You probably need it urgently right now, so give me your account number later and I'll transfer the 600,000 yuan to you."

To be honest, Xu Mu was moved!
He originally thought that the friendship between his high school classmates would dissipate as he went to university and entered society, but he didn't expect Tong Wu to still be so pure.

Most importantly, he still trusted himself.

"It's not that much, it's just that someone in our company recently wanted to withdraw their shares, and we're having some cash flow problems!"

"I can pay you back in about a month!"

Xu Mu still offered an explanation, after all, 230,000 was no small sum!
"Brother, just tell me how much you want."

Tong Wu replied with a smile, "Why would two brothers like us need so many complicated schemes?"

"Just transfer me 300,000!"

After thinking about it, Xu Mu decided to have Tong Wu transfer 300,000 yuan to him.

Although the market is doing well and business is good, Xu Mu still needs to put the 70,000 yuan loan from Bao Yong into the budget.

"Okay, buddy, give me your bank card number!"

After hanging up the video call, Xu Mu sent over her bank card number.

Soon, Xu Mu received 300,000 yuan transferred from Tong Wu.

"Brother, did you receive it?"

"Received it, thanks bro, I'll pay you back in about a month!"

"It's okay, you can use it first, and pay me back when you need it!"

"..."

Xu Mu was deeply moved by Tong Wu's purity.

When I'm more capable in the future, I'll see if there's an opportunity to collaborate with Tong Wu.

After receiving the 300,000 yuan, Xu Mu finally felt relieved.

He had originally planned that if Tong Wu couldn't lend him the money, he would ask the author, Ma Lou, for a loan.

Ma Lou has been writing online novels for many years and is also the chairman of the county's online writers' association.

The two of them usually wash their feet together, which means they understand each other.

If Xu Mu really asked to borrow money, he would most likely lend it to him.

If it weren't for the blind boxes, Xu Muzhen wouldn't have asked others for money; she would have taken out a loan if she could, and owed the bank money if she could.

With the loan of 300,000 yuan, Xu Mu felt completely relaxed.

Time quickly came to the fifteenth.

Shen Xingyu is from Ningcheng, but Bao Yong and Xu Mu are both in Tianji County, and they also decided to withdraw their shares in Tianji County.

He is currently on his way from Ningcheng, and the three of them have arranged to have dinner together.

Before Shen Xingyu arrived, Xu Mu and Bao Yong were already sitting in Starbucks at Xiang Sheng Century Plaza.

Xu Mu looked at Bao Yong and asked, "Is the 70,000 yuan ready?"

"I lost three or four thousand yuan in the auctions in the group these past few days, but I still managed to scrape together seventy thousand yuan!"

Bao Yong couldn't help but sigh, clearly troubled by this matter these past few days. "Sigh, I need to be more careful when looking for investors next time. I'd rather not have these kinds of troublesome investors!"

"If you only want to make money and don't want to lose money, there's no such thing as a good business in the world."

They survived such a difficult time last year.

I finally managed to make money this year.

Now, this guy's starting to use his brain.

You should sell your shares when the market is at its best.

"Alright, there's no point in arguing about this." Xu Mu patted Bao Yong on the shoulder and said with a smile, "I'll handle it later. If you insist on adding 370,000 in interest, then I'll tell you to sue me in court!"

"Okay, you can handle it later."

Bao Yong is just a turtle breeder. For him, having two like-minded friends invest in this project together, expanding the scale himself, and making some money for the investors is enough. There's no need to make things too ugly.

After waiting for about an hour, Shen Xingyu appeared outside the square in his Audi trolley.

He parked his car and strode into Starbucks.

"Have a seat," Xu Mu gestured to Shen Xingyu. They used to go to the same school; Bao Yong was Xu Mu's classmate, while Shen Xingyu was their junior.

Shen Xingyu comes from a wealthy family and hasn't worked much since graduating from school, while Xu Mu and Bao Yong have experienced the harsh realities of society.

I wouldn't say I've experienced everything, but I do have some understanding of the rules of society.

"Gentlemen, is my money ready?"

Shen Xingyu casually sat down and looked at Bao Yong and Xu Mu as he spoke.

"Did you bring the contract back?"

Xu Mu glanced at Shen Xingyu and said.

When Shen Xingyu wanted to invest last year, Xu Mu had already told him the two most important points in the contract.

First, shareholders cannot withdraw their shares within three years.

Second, profits and losses are shared.

He agreed at the time.

But I never expected things to change like this.

"Brought it!"

Xu Mu brought the contract over.

All three contracts were placed on the table.

What do you mean now?

"Want to withdraw your investment?"

Bao Yong and Xu Mu had already discussed it beforehand, so naturally they stood together.

They naturally hoped for an amicable parting with Shen Xingyu, but this amicable parting depended on Shen Xingyu being able to communicate with them properly.

"That's right, didn't I already tell Boss Bao? I urgently need to pay off my car loan. So you're giving me back 120,000 and keeping the rest at 250,000? Of course I'm not happy about that! I've invested 370,000 in a year, and I haven't made a single penny, not to mention I've lost money. Who can stand that!"

Xu Mu smiled upon hearing this, then looked at Shen Xingyu and asked, "Where in the world is there a business that guarantees a profit? If there is, tell me, and I'll sell my house and take out a loan to do it."

"Xu Mu, there's no need to say that..."

Bao Yong, who had been silent until now, interrupted Xu Mu and looked at Shen Xingyu, saying, "Although we didn't sign a contract last June, Xu Mu told you about sharing profits and losses back then, and we also made it clear to you when we signed the supplementary shareholding agreement in January! You will share last year's losses with us!"

"Isn't it a bit unfair that you suddenly say you want to withdraw your investment and then ask us to pay you interest on your investment?"

"What's wrong with that? It was just a verbal agreement at the time, and there was no signed contract. We signed the contract this January, and your losses last year have nothing to do with me!"

"And you'll have to share this year's profits with me!"

Shen Xingyu crossed his legs, with an expression that said, "I won't listen, I'll do whatever I want."

Seeing Shen Xingyu say that, Bao Yong couldn't help but sigh, "Sigh."

He no longer knew what to say.

We're all friends, and we usually get together for late-night snacks, drinks, and dreams about the future.

There's really no need to make things so ugly over a little money.

Seeing that Bao Yong didn't want to speak, Xu Mu had no choice but to step forward and say, "Since President Shen doesn't want to have a proper talk, then I'll share my thoughts."

"First, since you say that Boss Bao didn't sign a contract with you last year and you want interest on the funds used from June to December last year, but we still have the chat records we agreed on at that time, which clearly stated that we would share profits and losses! However, it is true that no contract was signed, which was Boss Bao's oversight, and we acknowledge that!"

"Secondly, the contract clearly states that if you want to withdraw your investment early, you will need to pay a penalty of 100,000 yuan. Our gross profit this year is 230,000 yuan. After deducting the relevant freight and losses, the net profit is 180,000 yuan. According to the shareholding, you will only receive 36,000 yuan!"

"Third, since you mentioned interest, no problem, we'll give you the bank's interest rate. The current bank loan interest rate is 3.5%, so 370,000 yuan used for six months would only amount to a little over 6,000 yuan!"

"Alright, this is my opinion. If you want to withdraw your investment, we'll proceed according to the contract. There will be a penalty of 100,000 yuan, minus the profit share of 36,000 yuan, and I'll calculate the interest for you as 7,000 yuan. We'll deduct 43,000 yuan from your principal!"

"Your investment is 370,000. If you want to withdraw your investment now, we can only refund 313,000!"

Xu Mu's tone was completely devoid of emotion.

Since acquiring the system, Xu Mu has become more composed and calm when dealing with money.

He can now be said to earn five million a year.

He really didn't care about 370,000.

The most important thing is Shen Xingyu's attitude; you want to handle things officially.

No problem, I'll handle this strictly as a business.

"Mr. Bao, this is no fun at all!"

Shen Xingyu's expression was rather unpleasant.

He had invested for a year, hoping to earn some dividends from Boss Bao, but he never expected to lose 57,000 yuan in the end.

He did see the contract at the time and even signed it himself.

However, he now has a better project in Ningcheng and wants to withdraw his investment from the loss-making project here and invest in a profitable one.

"President Shen, you were the one who disrespected the contract first!"

Bao Yong's voice was a little hoarse as he looked up at Shen Xingyu, "All our funds are tied up in the turtle farm right now. You suddenly called me last month and asked me to give you 120,000 yuan, and the rest is still 300,000 yuan."

"How can you do business like this?"

"There's no point in saying so much." Xu Mu looked at Shen Xingyu and took out the pre-prepared withdrawal agreement. "This is the withdrawal agreement we've drafted. Once you sign it, I'll transfer 313,000 yuan to you now."

"This matter is settled."

Shen Xingyu finally understood: Bao Yong and Xu Mu were on the same side, specifically to target him!

"Then what if I don't agree?"

(End of this chapter)