Baozi Xishi's Struggle

Chapter 151 He is a rich man

Shen Yu didn't understand what He meant. He just looked at the banknote but refused to take it.

He smiled helplessly and said, "My silly sister, you are such an honest person. Do you really think that if the county lord says he will compensate your family with 120 taels of silver, you will really receive 120 taels?"

Shen Yu was stunned for a moment. "Isn't it? The county magistrate said in front of everyone that Mrs. Hu should pay my family 20 taels. Later, in order to avoid being beaten, Mrs. Hu and her husband were asked by the county magistrate to pay 100 taels in silver."

He smiled disapprovingly and shook her head, saying, "The first twenty taels are because I wrongly convicted you and made you suffer, so I'm giving you compensation to prevent you from appealing. It's real money. But the latter one hundred taels, which is a penalty for the crime, you may not be able to receive all of it."

He paused and lowered her voice, "As far as I know, after the government convicts someone, if they ask for forgiveness from the victim and can use silver to offset their crime, the victim can only receive 10% at most."

Shen Yu blurted out: "Then where did the other 90% go..." Having said this, Shen Yu suddenly stopped talking.

Seeing that Shen Yu had figured it out, He smiled and nodded, saying, "Three years as a clean magistrate, 100,000 silver coins. Where did the silver coins come from? Sister, do you understand now?"

Shen Yu opened his mouth in surprise, and couldn't help but secretly complain: "No wonder the county magistrate was so happy to let me pay for my crime with money.

He speaks nicely and is filial!

Nonsence!

He is taking advantage of others, what a good business!

He easily got ninety taels of silver just by talking. Oh, no, there was also four hundred taels of silver as compensation for the exile of Mrs. Hu and the other woman.

Oh my god! Four hundred and ninety taels!

Shen Yu frowned, sat there daydreaming, and didn't speak for a while.

He put four silver notes of one hundred taels in Shen Yu's hand: "Fourth sister, here are four hundred taels of silver, you can use it first. Even if you don't tell me the interest of the bank, I can guess how much. If you can't pay it back in one or two years, the interest will be a few points more than the principal, which is really not worth it."

Shen Yu pulled her hand back hastily as if she was scalded, and said quickly: "No, no, no, Third Sister, I can't take so much money from you. It will take more than a minute to pay back such a large sum of money."

He smiled and said, "Your brother-in-law gets a salary every month. I also have a small farm. The harvests are pretty good twice a year. I just collected the rent for this season a few days ago. I'm going to waste these four hundred taels of silver if I keep them. Why not lend them to you in case of emergency?"

Shen Yu couldn't help but hesitate after hearing this: "Third sister, you are different from us. My brother-in-law is a head of the police, and he always has to entertain. If you need money and don't have it, you won't be able to make ends meet."

He smiled and shook her head: "My sister doesn't know the situation of our family. The Xing family has some assets and runs several large stores. Your brother-in-law is the youngest of the brothers. He is not born to like doing business. He only likes to judge cases."

He smiled helplessly, "My family can't persuade him, so we have to let him do what he wants. But he gets dividends from the family business every year, and someone will send money every month. Sister, don't worry that I won't have money to spend."

Shen Yu suddenly realized. No wonder He seemed so knowledgeable when she taught Shen Yu how to sell small reunion cakes. It turned out that the head of the Criminal Police Department was also in business.

Shen Yu smiled and said, "In that case, I won't be polite to you. If I really buy the shop, I will leave the deed with you. I will write you a promissory note first, and I will take the deed back after I pay you back."

He smiled and said, "I don't know your character very well, so I'm afraid you won't be able to deny the debt. If you want to let it go, then just let it go."

Shen Yu then carefully put the banknote into her purse and said awkwardly, "Sister, please write the IOU. I'll just sign my name at the end. My handwriting is really not good enough."

He didn't laugh at her. She just nodded, left the bedroom, took a piece of paper from Qiqi's calligraphy practice, took the brush, and quickly wrote a promissory note.

Shen Yu took it and looked at it, and couldn't help laughing. There was neither a repayment date nor interest rate, nor did it indicate that the shop would be used as collateral if the loan could not be repaid.

Seeing He looking at her with a slight smile, she immediately understood that He had deliberately written it so simply and had not intended to add these conditions.

Shen Yu bowed to He with gratitude and said, "Thank you, Third Sister. If I succeed in buying the shop and make money, I will definitely return the four hundred taels of silver to you as soon as possible."

Shen Yu thought about it and added: "When the time comes, no matter how much money I pay you back, you must not refuse it and must accept it well."

He waved her hand impatiently: "You are so young, why are you so long-winded? Sign your name quickly so that I can keep the IOU and prevent you from defaulting on the debt."

Shen Yu took the brush with a smile and signed his name.

He looked at the IOU in disbelief. Shen Yu's signature, which looked like a dog paddle, was extremely conspicuous.

He said helplessly: "Sister, you really need to practice your handwriting. If you become rich in the future, others will laugh at your handwriting."

Shen Yu rubbed his nose with the back of his hand embarrassedly. Qi Qi, who had been lying on the table beside the kang watching the fun, couldn't help it anymore and started to giggle.

When I got home, Li had already returned from Mrs. Liu's house and was circling in the yard with an anxious look on her face.

Seeing Shen Yu coming back, Li was overjoyed and asked, "You're back. Why did you take so long?"

Shen Yu and Li sat down at the small table and briefly talked about the interest on loans from the money house and their visit to He's place.

When Li heard about the interest rate charged by the money shop, she was so shocked that she couldn't close her mouth.

When she heard that He had lent Shen Yu four hundred taels of silver, Li couldn't help but say gratefully, "Madam He is such a good person. When we make money, we will pay her back at the interest rate of two quarters of the money house. We can't just use someone else's money for nothing. Borrowing money from Madam He is much better than borrowing money from a money house that charges compound interest."

Shen Yu nodded: "I thought so too, but I was afraid that my third sister would not agree, so I didn't say it clearly. After all, if she lent this money to others, she could earn more than two hundred taels of interest a year."

After Shen Yu finished talking about the silver and money, he asked Li: "Mother, how did you go to Liu's place to inquire? Are the things Zhou Dalang said true?"

Li said hurriedly, "What Zhou Dalang said is true. It was seen by Zhou Dalang's neighbors. The news has spread all over the street. The ladies are talking about that woman Hu. She is black-hearted and calculating."

Li's face was filled with indignation, and she continued with saliva flying: "Their daughter has long been married off, and the two of them are old. On weekdays, they have long been accustomed to being served by Zhou Dalang and his wife, eating and drinking well and being humble."

"Because the division of the family was approved by the county magistrate himself, Mrs. Hu did not dare to refute it in person, so she came up with such a vicious plan."