Chapter 272 Temporary classmates (seeking a monthly ticket)
Another standard payment of money and goods.
After signing the deed, there was a mortgage loan, a loan of three hundred taels of silver, with a monthly interest of 5%. Compound interest is equivalent to a monthly interest of 5%, and the annual interest rate is close to 80%...
From the perspective of later generations, this was a proper usury, but in this era, it was regarded as a debt of conscience.
The term is four months, the interest is more than 20%, and it can be returned in advance.
The contracts of the four ships were used as collateral, and the other passenger ship could not be taken away. It had to be used as a deduction if the interest could not be repaid. The ship was directly seized under the name of Didian and could no longer be used by the Ouyang family at any time like before.
.
It's like saying that if the Ouyang family wants to transport these mirrors, they have to find their own ship.
Fortunately, mirrors are definitely luxury goods. Unlike bulk goods such as money, food and supplies, a hundred mirrors can only fit into three boxes.
"Master Ouyang, we have insurance services here. For only 10% of the price, you can buy insurance. If there is any damage in the process, you will be compensated. Do you want one?"
After finishing the business, Zhu Hao actually started selling his own insurance.
Shopkeeper Ma almost had a cerebral hemorrhage after hearing this.
Boss, have you mistaken your identity?
Is this a trap for the Ouyang family?
Knowing that these mirrors will definitely be damaged, they actually asked for insurance compensation?
But Ouyang Nu said decisively: "No need!"
After saying that, he got up and went out with some people carrying a few boxes.
…
…
"Haha, the Ouyang family's money is easy to make. If you do this kind of business, you will be coveted when you go out. If you come to Anlu, you will be completely bankrupt. Is this a benefit given to me by Boss Su?"
Zhu Hao looked at the ship deed in his hand and knew that the other party would never have the chance to redeem the ship.
This ship is now completely in the name of Zhu Niang and Zhu Hao.
Shopkeeper Ma asked in confusion: "Little boss, why did you ask for insurance before? Could it be those mirrors... Well, what do you think?"
He wanted to say, are those mirrors good mirrors?
But when he thought about it, Zhu Hao personally performed a good show in front of him of shaking the mirror and causing cracks. How could it be fake?
Zhu Hao smiled and said: "This is to stop their mouths, just like when I supply goods to the Zhu family, I also add linen and straw to the box for shockproof. This is to have an explanation afterwards."
Shopkeeper Ma was secretly speechless.
Speaking of ruthlessness, you should be ruthless!
While using substandard goods to deceive people, he also behaves like a conscientious businessman.
"Little boss, what I have seen before is your courage and courage in doing business, as well as your business methods. Now I know... It turns out that you can support this business. Not only do you do business properly, but you are also a profiteer.
All of them are well-known... I admire them."
Shopkeeper Ma had been spending time with Su Xigui for a long time, and he was a bit arrogant when talking. He basically said what came to his mind.
There was even a hint of sarcasm in his tone.
Although Su Xigui, his previous boss, would brag and glare, he was just like flirting and never got really angry with him. Now that he is with Zhu Hao...Zhu Hao will not argue with him about such trivial matters.
"Lao Ma, actually I think these are all influenced by you."
"I?"
"Isn't that true? If you hadn't been telling me every day that I should pay attention to efficiency and not make losses, how could I be like this?"
Shopkeeper Ma discovered that Zhu Hao was quite good at deflecting blame. I taught you how to cheat the Ouyang family's money? How can you put this responsibility on me?
"Little boss, if you say that, I will have to talk to you carefully..."
"No need! I'm busy with time, so I'm leaving! Once we have ships, the cost of shipping goods will be further reduced. Even if we can only borrow these ships for a few months, it's still worth it."
…
…
The first day of February.
There are only five days left before the county examination starts.
The Ouyang family's mirror business has come to an end for the time being, but according to Zhu Hao's estimation, in a few days, something will happen to the batch of mirrors halfway through the transportation, because at present, Ouyang's daughter and her party's road guide and other items have been seized by the local government. At present,
There is also a special person watching, so it is impossible to sneak away secretly.
What's more important is that this time the Ouyang family has collateral with Zhu Hao.
Ouyang Nu wanted to create a false road to lead her away... but she was left to her own devices. She had some possessions before, she sold boats and other things, and had some spare money on hand. She could buy a house and start over by escaping to a place far away from the emperor, but now everything
It's all mortgaged to Zhu Hao.
If Ouyang Nu runs away, it means that all these things belong to Zhu Hao. Even if she cannot get the Ouyang family's business channels, Zhu Hao will still make a profit without losing anything.
You said I cheated you?
After you found out you were being tricked, you actually swallowed your anger and ran away?
Is there such a good thing in the world?
That morning, two candidates, Zhu Hao and Yuan Rulin, who were about to take the county examination, left Prince Xing's Mansion under the leadership of Tang Yin. Taking advantage of their free time at noon, they went to meet the other three candidates who had signed a pledge with them for the county examination.
Get to know each other, and if you feel you hit it off, sit down and have a casual meal.
This thing of recognizance is a matter of joint sitting. Whoever cheats on the exam will be implicated in the rest.
But in fact, in the imperial examinations of the Ming Dynasty, even up to the provincial examination level, the detection of cheating was not strict, and the inspection was just a formality.
The main reason is simple.
We all know that the feudal imperial examination was composed of eight-legged essays. As the four-part essay that determines the score, even if five scriptures are added, a paragraph is taken from the classics and asked to write an article. If you do not know the topic in advance, even if you have annotated the entire four-part collection
Bringing it into the examination room will not help you write an essay.
But if you get the test questions in advance, you can just find someone to write the articles and spend some time memorizing them. Why do you have to bring cheat sheets into the examination room to implement the facts?
No matter how stupid a person is, it's not difficult to memorize an article of three to four hundred words, right?
When he arrived at the appointed place, Tang Yin did not go in. Instead, he went to the teahouse next door to wait.
Yuan Rulin and Zhu Hao, two children, one old and one young, entered the restaurant, where three other candidates had already been waiting.
Inform each other of names.
The one standing at the front is the child of a wealthy local businessman. He is fourteen years old and his name is Zhang Levi. He has already passed the county examination. Following closely behind him is the second son who is sitting in a school in the city. His scholar father is also unknown.
How did you teach me? I took the county examination for the first time when I was seventeen years old, and my name was He Gong;
The last person looked very arrogant. He was sixteen years old and his name was Peng Dong. When he saw Zhu Hao, he blinked his little eyes and asked with a bit of disdain: "Such a young child came to take the county exam? Isn't this nonsense?"
"
Zhang Levi came to explain: "I heard that he is the child of the royal family."
"So what about the palace? At such a young age, I have not been practical in my studies and only want to take shortcuts. Even if I am lucky enough to pass the county examination and the government examination, I will not be able to pass the college examination anyway. I am afraid that the road to the imperial examination will be cut off!"
Peng Dong was very angry, and those who didn't know thought he had already passed the county and prefectural examinations. Who would have thought that this was his first time taking the county examination.
After sitting down and going through the conversation between He Gong and Peng Dong, Zhu Hao found out that Peng Dong's parents had passed away one after another in the past few years, and they had been in the system for five consecutive years. Although he was a genius, he missed the opportunity to become famous at a young age. Now he lives with his brother and sister-in-law. I heard that his family is well off.
It is estimated that after taking the county examination and the prefecture examination, we will get married.
Zhu Hao asked with a smile: "I don't think Mr. Peng is ready to get married... but will Mr. He get married?"
Among the five people, the one with the weakest family background is He Gong, the child of a teacher. Although his father is a student, he has never even taken the county examination. In terms of marriage, he is of the "high-level, low-level" type.
He Gong had a look of regret on his face: "We are still talking about it. If I can pass this year's children's exam, maybe someone will take a fancy to me, so I'm not so anxious."
This is the current situation of scholars.
Before getting married, you have to work hard on your "career". If you can pass the county examination, you will have a certain value in the matchmaking market, which is dominated by matchmakers. If you can pass the government examination or even pass the entrance examination, you will have another value.
The social status of the woman's family who is willing to marry you, the girl's appearance, and the dowry items all have different grades.
Zhu Hao’s husband Gongsun Yi is the best example of this.
He was born into a poor boy. His father has passed away. He was raised by his mother with great hardships. He was very successful. He passed the examination at the age of eighteen and had a brighter future. He got married at the age of nineteen. It was natural for him to marry a well-educated and polite lady from a wealthy family.
Come back and be a wife.
"What are you doing in the palace, kid? Who is your father in the palace?" Peng Dong looked at Zhu Hao. In his opinion, Zhu Hao should be the son of a certain official in the palace.
Zhu Hao smiled and said: "I am not from a royal family. My father died early, so I work as a companion in the palace to accompany the prince in his studies."
"ah?"
Several people looked at each other.
I thought you were some kind of noble son, but you turned out to be a bookboy in the palace, equivalent to a servant. Do we need to give you face?
"Is Mr. Yuan's grandfather the prince's chief minister, Mr. Yuan?" Several people began to ask for confirmation.
Since Zhu Hao is walking with Yuan Zonggao's grandson, if he encounters any difficulties for Zhu Hao, should he worry about the palace's reaction?
Yuan Rulin was a bit naive and asked curiously: "I wonder what this... has to do with taking this exam?"
Zhu Hao answered for him: "He is the grandson of Yuan Changshi!"
Zhang Levi hurriedly made peace: "You guys have something to say. Let's take part in this county examination together. There is no need to be so tense. They are all members of the royal family... Don't hurt the harmony."
Those who come from a merchant family naturally know how to keep things quiet.
Businessmen are rich, but their social status is low, so the most basic thing in business family education is to keep a low profile and not to compete with others.
If you have money but no status, if you have to stand out when going out, you will only be the unlucky one.
Peng Dong said: "We were just having a drink together. I didn't mean to harm the relationship. I wanted to test you... I'm talking about Zhu Hao. Oh, by the way, what does your family do?"
"Doing business." Zhu Hao replied.
Yuan Rulin asked curiously: "Zhu Hao, my grandfather said that your father is a member of the Imperial Guard and is loyal to the country. You are still the only son in the family."
"hiss……"
As soon as these destructive words came out, several people nearby looked at Zhu Hao with disbelief.
The one with the highest background in relationships is you.
Yuan Rulin just has a grandpa who is a Jinshi, but you are the only son of a hundred Jinyiwei households. When you grow up, you want to inherit the Jinyiwei hundred households?
This is no ordinary second-generation official!
Peng Dong frowned and said: "You are from a military family and you are the only son in the family. You are not Yu Ding, so you should not take the literary test. What's the point?"
Zhu Haodao: "My mother and I have separated from the family. The family has clearly deprived me of the inheritance qualification of the Jinyiwei Hundreds. Now the family is just doing a small business... Don't just talk, why don't we order some wine and food? Let's have a good time."
Have a meal?”
－－－－－－Digression－－－－－
Please give me a guaranteed monthly pass, thank you!