The story of a noble girl

Chapter 156
Lin Xiaoning returned to the mansion, it was lunch time.After lunch, Lin Xiaoning felt that his whole body was extremely sticky, so he flashed into the space and took a shower.

After she got out of the space, she dried her hair and took a short nap before getting up to wash, and then called Lotus to comb her hair.

The lotus combed it carefully, and praised: "Miss's hair is so beautiful, so smooth, dense and shiny."

It's just not black right, Lin Xiaoning said with a smile.

Lotus said: "Where, I used to say that women have to be black to look good. Now that I see Miss, I know that hair doesn't have to be black. Miss is not very dark, but I think it's much more spiritual. It's not the same as Miss's appearance. But it fits perfectly, it’s really pretty.”

"My kind is called a yellow-haired girl."

"Miss is a distinguished medical fairy lady, how can she be a yellow-haired girl?"

Lin Xiaoning smiled, and Mei Zi came again: "Miss, are you going to Master Hu's house now? Or should we leave later?"

"Well, after combing your hair and tidying up, we will set off. In the evening, we will have dinner at Mr. Hu's residence. Lotus, please say hello to the kitchen. You don't need to prepare our meals at night, just make some porridge. I want to eat supper. It's hot, Eat less of everything."

"Yes, Miss." He Hua happily replied, after all, she became a personal servant girl.I am secretly happy.

At this time, another maid came into the room. Lin Xiaoning stayed in the Immortal Medical Mansion for a short time, and there were many maids, and the main servant was Lotus. She couldn't remember the name of this maid at the moment, so the little maid came to report in a hurry: "Miss, the steward of Zhou Ji's jewelry, came to visit. He said that it was the bracelet that Miss bought in the morning. Because of Zhou Ji's impoliteness, she couldn't accept the money. Please take it back. Also, I lost a pair of bracelets inlaid with gold and jade, and brought A plate of spar, said to let the young lady choose the earrings."

"Ah!" Lin Xiaoning and Meizi were dumbfounded again.

Lin Xiaoning frowned and said, "Ask Anyu to send her away..."

The little maid had to be ordered to step down.

Lin Xiaoning looked at the sky after packing up. The rain hadn't come down yet, and the sky was still low and dull.Then he ordered the carriage to be prepared and went to Mr. Hu's house.

Master Hu is also very depressed, his wife has gone back to her natal home to visit, and there have been a lot of affairs in the court these two days, so she has been in a panic all the time.Seeing Lin Xiaoning, Meizi and An Yu coming, the two people who were affected by the weather cleared away the haze at once and felt much more comfortable.

Lin Xiaoning let out a long breath and smiled coquettishly: "Master Bosom friend, once I see you, all the gloom in my heart will disappear."

Master Hu was so happy that his beard was shaking: "My girl, it's a good time for you to come. I'm looking forward to your coming today. I'm also very busy these days, and there's no one around me to talk to."

"I'll talk with you to relieve boredom." Lin Xiaoning smiled and took the tea and drank it.

Master Hu narrowed his eyes with joy: "Girl, you have the most ideas, come on, help me think of an idea, if your family has no money, what will you do?"

Lin Xiaoning looked at Master Hu with a smile: "Master Zhiyin, you mean something? If my family has no money, I will naturally find a way to make money."

"How to earn?"

"That depends on the extent of the lack of money. If you have some money, you can use it as capital, and money can make money. If you don't have capital, you still have land, you can develop land, grow more grain, and receive more grain in the coming year. Can make money."

"Oh," Master Hu's eyes lit up, "Girl, tell me, how to make money if you have the capital, and how to hire someone to open the land if you don't have the capital."

Lin Xiaoning said with a smile: "Master Hu, you are so confused when you are an official. How did Taocun be built? Everything can be understood by analogy. If you have capital, why not start a business? A business with a lot of money is naturally a gambling house... ..."

Master Hu Shen Ling: "Taocun is small, good advice, alas, this gambling shop is not appropriate, girl, you can't open a gambling shop. It's about..."

"Dignity, right?" Lin Xiaoning took the words, and said with a crisp smile, "If you don't open a gambling shop, you will naturally have other businesses, such as ticket numbers..."

"Ticket number?"

"Exactly, the ticket number, the royal ticket number."

Master Hu was amused: "Smelly girl, you will know what I'm asking as soon as I open my mouth? You bad girl,

"Of course, I am your bosom friend, am I not?"

"But what's the ticket number?"

"It's the bank."

"The bank?!" Master Hu asked suspiciously.

Lin Xiaoning smiled, this is the Central Bank, what a merit it is to have contributed to this.In this era, like all ancient times, the money houses were private, and the royal family paid taxes and issued official bank notes, but they were not as flexible as the money houses.If the royal bank can be promoted, it will be the protection of the people, and it will also bring a steady stream of silver to the treasury. No one will ever withdraw all the silver at once, and there will always be silver in the bank.

Lin Xiaoning energetically clarified the source of the bank's money one by one. The important thing is to connect the world. With such an advantage, the royal family, which city does not belong to him? How difficult is it to set up a ticket number?In this way, the imperial court does not have to transport thousands of miles back to the capital to collect taxes, and does not need to transport thousands of miles to pay salaries and military salaries.How much cost is saved, how much expense. .Not to mention the trust and guarantee given to the common people by the royal bank.

At present, the largest bank in Ming Dynasty has only opened [-] cities and only [-] shops, and only deposits and withdraws, regardless of lending.In this way, it is already a rich country.At present, Ming Dynasty will use bank notes for large-amount transactions. Even if it is inconvenient to exchange, it is easy to carry.But small transactions are still in cash, and private banks have many risks, and the people's silver cannot be completely protected. . , if the Royal Bank is opened, it can realize the connection to the world, deposit and withdrawal will charge a small fee, and it can also lend a small amount and charge interest.Promoting the development of commerce and agriculture in this way must be a blessing to merchants and common people in famous places.Once the business is prosperous, the economy will rise, and more taxes can be received. .

Lin Xiaoning is not a person who studies finance, but he has seen the Qiao Family Courtyard. After talking about it for more than half an hour, Old Man Hu was stunned for a while, and he wanted to dig into Lin Xiaoning's head. .

After Lin Xiaoning finished speaking, he said again: "This is a way to make money, and there is another way to make money without capital. Do you want to listen?
Master Hu nodded sharply.Lin Xiaoning smiled: "Master Hu, you have to give me some benefits."

Mr. Hu happily said: "What benefits do you want, girl, tell me."

"The advantage, of course, is to ask for a reward from the emperor, and give me some land for the Lin family. Wasteland is also fine. Wasteland with no human habitation is fine. I just want the land."

"You girl, the ticket number is such a good thing, you have considered it so carefully, why don't you open it. But you have to be a landlord?"

Mr. Hu doesn't know something. If the billing number cannot be connected to the world, it will be meaningless. In this way, the shop will be full of daimyo, and a shop must have a shopkeeper and a clerk. The only ones who can do things in my Lin family are me and my eldest brother , where can it be managed.Besides, they are all dealing with money. Although my Lin family has money, it has no power. If the recruiter is cheated and ran away with the money, what will happen?The royal family is different, including HSBC Bank, which is the most famous in the dynasty, and it has been in business for a hundred years before it has [-] shops.Not easy.But these, if it is done by the royal family, it is very simple.It is enough to set up a point in each yamen, and call experienced shopkeepers to manage it. The monthly income and expenditure are reported to the yamen, and then reported from the county government to the government office, and so on.If there is a deficit, the people in the yamen will be questioned.

Mr. Hu pondered: "This method is excellent. It's right for a girl not to be a ticket office. It's really difficult to control. You need a lot of experienced shopkeepers. It's really not easy. Even if the royal family does this, it will take time. Come on, let's talk about the method of earning money without capital, girl, tell me quickly."

Lin Xiaoning laughed again: "Let's not talk about the method of saving capital, I have something to ask your lord, how much is an acre of rice for the current taxation of Ming Dynasty?"

"Second bucket."

"What is the yield per mu of that crop? Let's just talk about rice. My family only grows rice."

"About twenty buckets."

"That's [-]% tax?"

"Yes, girl, although the tax is not low, it is not high."

"Then, do government lands also pay taxes? My lord?"

"Pay, pay the same, why, girl, do you want to be tax-free?"

"Oh, Mr. Hu, can you be exempted from tax?"

"Some officials, who have made contributions to the court, will reward them with tax exemptions."

"Are there many officials who are tax-free?"

"There are many, but usually it will only be exempted for three, five, or eight years, and it will not be exempted forever. In the past, there were tax exemptions for generations, but in this dynasty, this case has been abolished. Now the national treasury is empty. It is not bad to not increase taxes. How can it be exempted again. I was discussing the tax increase a while ago, but this has made me panic, girl, the tax is already [-]%, and the government doesn’t care if the tax is increased, but the common people can’t bear it.”

Lin Xiaoning took a sip of tea and said with a smile: "My dear confidant, you are so kind. What I was going to tell you is this way of getting money without capital, which is to increase taxes!"

"What are you talking about, girl?"

"Master Hu, have you ever thought about it? Taxes can be increased. But it is the tax of the government. The government farms the land, which is different from the ordinary people's land. The tax is different, and the tax of the rich is the same as the government. That is to say, a family If it exceeds [-] mu, the tax will be increased."

"Girl, are you saying that there are two types of taxes?"

"Yes, not only the agricultural tax, but also business, you can also use the stepped tax method, and you have to pay another tax according to the monthly profit. If this is not the case, the supervision will be strengthened, because some businesses will Making false accounts, the court may not be able to eradicate all false accounts, but at least it can increase some taxes."

"Girl, talk about it later."

"Master Hu, the rich are not short of money, and it doesn't matter if they pay more taxes, but the common people can't afford it. This balances the balance. There is one more thing, Master Hu, I don't know the land in Taocun until the autumn harvest. The yield per mu, but I estimate that this year's yield per mu will reach about [-] buckets."

"About forty buckets!?"

"Yes, Mr. Hu, we will see when the harvest is harvested, so please rest assured, Mr. Hu. If my grain can reach the yield per mu, I can use my grain as seeds and sell it to the surrounding people at a low price. In this way, if the harvested grain can reach forty buckets per mu in the coming year, and half of the tax is added, how can it not be handed over?"

　My hands are still inconvenient to type, and my fingers are twitching when I type. Forgive me for being broken for a few days!
　　
　
(End of this chapter)