Morax is dead, Liyue will fall into my hands.

Selling insurance, if done well, can be a very profitable way to make money.

In addition, saving money, like spending money, can be addictive.

When people are broke, they tend to live paycheck to paycheck, but when they have a considerable amount of savings, they become more inclined to save money.

The sense of satisfaction is far greater than the satisfaction of spending money, especially when you see your savings growing larger and larger.

After all, spending money brings more emptiness and guilt, while saving money brings satisfaction, a sense of accomplishment, and security.

After maxing out their credit cards, people are almost unwilling to tell others how much money they owe, but after saving money, they are very willing to share how much they have saved.

Especially when you see others looking on with envy, that sense of honor is like an addiction, impossible to resist.

Li Ye believes that if people can experience the joy of saving money, many will fall in love with saving altogether.

Only when these people get used to saving will Li Ye have more money to invest and make money from money.

Li Ye smiled and looked at Bei Dou, saying, "The benefits of saving money have been pretty much covered in the newspapers before, so I won't waste my breath. Anyway, it's definitely not a bad thing for the brothers to save more money."

"What do you think, Beidou-jie? If you're interested, you can discuss it with the brothers in the Southern Cross Fleet. I think it's a good idea."

Beidou pondered for a moment, especially recalling the extravagant spending sprees of the Southern Cross Fleet whenever it docked.

The thought of some veteran crew members who, after leaving the fleet, were so impoverished they could barely survive, and who, despite being wounded, came to me hoping to return to work on the ship, immediately raised my blood pressure.

She gritted her teeth and said fiercely, "No need to discuss it anymore, just do it your way! Deposit it, deposit it all into fixed-term accounts, and they are not allowed to withdraw the money without my permission."

Chapter 3: Mona and Wendy's Visit

Beidou is highly respected in the Southern Cross Fleet and is the one whose word is law.

She hadn't made up her mind before, but now that such a good opportunity was in front of her, she felt that she couldn't let the crew continue to slack off no matter what.

"Old Li, just listen to me. Don't worry about what reasons my crew members give. I won't give them the money unless they ask. I'll talk to the crew about the rest!"

Li Ye was waiting for these words: "Don't worry, Sister Beidou. As long as your crew has no objections, I will definitely take care of things for you."

Hearing Li Ye's assurance, Beidou finally left satisfied.

She had to go back and explain this to the crew. In short, they had to deposit the money today whether they wanted to or not! Anyone who dared to object would be kicked off the ship.

Not long after Beidou left, Xingqiu arrived.

Li Ye's statement was similar to Bei Dou's, hoping that the "Feiyun Chamber of Commerce" would pay some of its employees' salaries through a money exchange.

Unlike providing free insurance for the crew of the Southern Cross Fleet, Li Ye did not give any benefits to the employees of the "Feiyun Chamber of Commerce." Instead, he made a promise to the "Feiyun Chamber of Commerce" that if they deposited money in the bank, the interest rate would be increased from three percent to five percent.

With an annual interest rate of 5%, your assets will double in 20 years.

For Liyue, where the concept of currency devaluation has not yet emerged, this is an extremely tempting promise.

Furthermore, because Li Ye promised the "Feiyun Chamber of Commerce" a two percentage point higher return than ordinary people, theoretically the "Feiyun Chamber of Commerce" could also set up its own "money exchange" and then deposit all the money that everyone had deposited in their own money exchange into the money exchange. In this way, they could make money out of thin air, which was practically a risk-free investment.

Li Ye not only didn't mind the "Feiyun Chamber of Commerce" doing this, but even hoped they would increase their efforts;

Because the "Feiyun Chamber of Commerce" did this, it actually helped alleviate a lot of Li Ye's pressure.

The workload for a money exchange is incomparable to that of a customer depositing one billion Mora versus one hundred thousand customers depositing ten thousand Mora.

In reality, Li Ye's actions were equivalent to using a two-percentage-point interest rate to hire the "Feiyun Chamber of Commerce" to help him communicate and settle accounts with his scattered small clients.

A 5% interest rate may seem high, but considering the lending rates of "Northern Bank," even without considering the "nine out and thirteen back" policy, the annual interest rate still exceeds 50%.

On Earth, this is more than double the interest rate of loan sharks; it would definitely land you in jail.

Li Ye is essentially borrowing money at an annual interest rate of 5%, he's practically winning a fortune.

As for whether the "Feiyun Chamber of Commerce" would agree, Li Ye believed it would definitely agree.

Despite how ruthlessly profitable "Northern Bank" is in lending, "Feiyun Chamber of Commerce," even with its wealth, would never engage in usury; they have a sense of shame.

Besides, there are only so many people who can lend money, and there are all sorts of bad debts, so in reality, it's not as good as you might imagine.

As for investment, yes, investment is necessary, but since Lord Yan left, no business is safe now. It's not as comfortable as just depositing money in the bank and earning interest.

Li Ye watched Xing Qiu leave thoughtfully, knowing that he was already 70% certain of success in this matter.

Shortly after Xingqiu left, other chambers of commerce also sent representatives over intermittently after their meetings, hoping to discuss savings matters with Li Ye.

However, these chambers of commerce did not make any promises to Li Ye, only saying that they would consider it.

The so-called consideration was not out of concern for Li Ye; with a contract as proof, nothing unexpected would happen.

The concern was how "Wanmin Money Shop" would deal with the subsequent attack from "Northern Bank".

Before the "Wanmin Money Shop" could successfully withstand the "Northern Bank's" three-pronged attack, no chamber of commerce would easily step in.

Their sending of representatives this time is merely paving the way for future cooperation.

When will the cooperation take place? We'll have to wait until Li Ye and Pantalone's battle of wits comes to a conclusion.

Li Ye was not surprised at all. He had never expected that a single conversation would make those major chambers of commerce jump in without any consideration; that was unrealistic.

Now, all we need to do is make promises, and once the "Northern Bank's" three tricks fail, business will naturally come knocking.

As evening approached, Li Ye had received more than thirty guests, and his throat was dry from talking.

Looking at the dim sunset outside, I thought to myself that today was finally over.

Before he could even step outside, he heard a strange girl's voice suddenly call out, "Hey, hey, where's Li Ye? Is Li Ye here?"

Are there representatives from other chambers of commerce? Why are they arriving so late?

"I'm here, please come in."

As soon as Li Ye finished speaking, the door was pushed open from the outside.

Two people walked in. One was a beautiful young girl with purple hair and blue eyes, wearing a wizard's wide-brimmed hat and a purple bodysuit.

Another was a handsome young man holding a harp and wearing a green hat, clearly a wandering poet.

Upon seeing the purple-haired girl's attire, Li Ye immediately guessed that she must be Mona, the astrologer Xiang Ling had mentioned.

As for the other one... he also seems to be from Mondstadt, and he even has an Eye of God. Could he also be a powerful expert? Did he come to sign up voluntarily after hearing that we were recruiting strong individuals?

He looks a bit young, probably a minor. I don't know if his parents know, I'll question them later.

While Li Ye was thinking, he quickly introduced himself, saying, "Hello, I am Li Ye. This must be the great astrologer, Miss Mona, right? And... this young master?"

"Dear Mr. Li, the free wind brings you blessings, protecting you and ensuring your future success. I am Wendy, the bard of Mondstadt."

As Wendy spoke, she didn't forget to strum the harp in her hand, producing a melodious sound.

Wendy?

Oh, okay, okay.

Li Ye nodded and thanked her, saying, "Thank you for your blessing. Are you together or...?"

When Wendy heard Li Ye's question, she automatically took a step back and said, "Ms. Mona and I are just going the same way. You two talk first, I'm not in a hurry."

Seeing Wendy's tactful manner, Mona didn't stand on ceremony. She crossed her arms and sized up Li Ye. Although the envoy had already revealed that Li Ye was not very old, Mona was still surprised by his age.

She looks to be only seventeen or eighteen years old, right?

And he's not some rich kid who inherited his family fortune. Is he really that rich? Or am I just kidding myself?

“My name is Astrologis Mona Megistus. You said in your letter that you wanted me to come and be your bodyguard? So how many Mora are you planning to give me? Let me make it clear beforehand, I will not use divination to profit for you.”

Hearing Mona say that, Li Ye chuckled: "Then why does Miss Mona want to do a divination for me, to see how much Mora I'm planning to spend to hire you?"

Chapter Four: It wasn't just finding a treasure, it was finding a treasure trove!

When Mona heard Li Ye ask that question, her expression suddenly became a little awkward.

Upon seeing this, Li Ye immediately guessed that the divination must have been performed before they arrived.

"What were the results of Miss Mona's divination?"

How did you know I had a divination done?

Li Ye thought to himself, "You've got it written all over your face, how could I not tell?"

"I guessed, but was I right?"

Mona twirled her hair with her fingers, avoiding Li Ye's gaze, and said, "You guessed right... but the result of my divination is strange. The salary you offered me isn't high, but the divination seems to indicate that I should come. So how much salary are you planning to offer me?"

Li Ye was quite curious: "How much is the salary I'm paid?"

"One thousand Mora".

Mona was tempted to say 10,000 Mora, but she wouldn't lie about divination, so she honestly gave the result.

Li Ye was stunned. One thousand Mora? Am I really that stingy?

The waiters at Jiaxuan Teahouse earn five or six thousand moras a month, not including bonuses.

Seeing Li Ye's shocked expression, Mona immediately offered her opinion, saying, "One thousand Mora is far too little; it can't buy anything at all."

Furthermore, I believe my value is far greater than this amount of money, so if you want to hire me, you should definitely offer more.

"A little more?" Li Ye thought for a moment and said, "How about five thousand Mora a month?"

Only five thousand Mora?

Mona made no attempt to hide her disdain, saying, "I traveled all the way to Liyue, and all I get is five thousand Mora?"

Li Ye thought it made sense: "Then let's add a little more, ten thousand Mora."

Mona considered it for a moment, then sighed helplessly and said, "Ten thousand Mora? Sigh, when you're under someone's roof, you have to bow your head. Life is just that bitter."

Seeing this, Li Ye said, "Then I'll add a little more, 20,000 Mora per month."

Mona nodded after hearing this and said, "That's barely acceptable. I promise I won't say anything bad about you in the future."

Li Ye: "Since that's the case, how about I add a little more, 50,000 Mora?"

Mona's eyes lit up when she heard "50,000 Mora": "50,000!? Boss, whatever you say goes. As long as you pay, you're a good boss."

Li Ye shook his head and said, "I still feel that 50,000 is not enough, so how about 100,000 Mora a month?"

Mona's heart was pounding twice as fast as usual: "100,000 Mora? The boss is always right, the world is the one that's wrong!"

A mischievous smile crept across Li Ye's lips as he asked, "What about the 150,000 Mora?"

Mona stood tall and proud: "I'll live or die with my boss!"

Li Ye: "Two hundred thousand?"