Seeing that the [Habit Cultivation Instrument] was shining in the mall, as if it could be reached out, but in fact it was out of reach, that kind of depression made the joy of getting the system diluted by half.

30,000 yuan is actually nothing, and in 11 days, Wang Yan can save enough by himself.

However, now there are only 8 hours.

Wang Yan is really right.

My mother has a deposit of about 100,000 yuan, but there is no reason to borrow it, and she has no time to withdraw it for a reason, and she has no online banking.

For the rest of the students, only He Meng and Qiu Xiaogu can take out 30,000 yuan at any time, but they are not familiar with it.

Otherwise...... Ask He Meng, do you need any services?

Pull open your pants and glance inside, silently giving up.

It is neither a white jade pestle nor a unicorn, and it is not worth 30,000.

Thinking about it, there was really no way, Wang Yan had to close the system and no longer worry about it.

It shouldn't be ours, let's wait for the next product......

I need to find something to do to lighten my mind.

Wang Yan tilted his head and thought about it, opened Taobao again, and prepared to study the air conditioner.

This year's temperatures in the central region are so abnormal, with almost no snow in one winter and no rain in summer, and the high temperature of 35 degrees has lasted for almost a week, and the highest temperature is said to be almost 40 degrees in the next few days.

Parents were distressed and reluctant to buy an air conditioner, Wang Yan thought that before going to college, they had to install one for the two of them, otherwise it would be too uncomfortable to sleep at night.

When there is more money in the future, buy them a building to live in, support the home in advance, and then think about spending money lavishly and pretending to be forced, otherwise there will always be a sense of guilt in my heart.

It's just that the excuse is not easy to find......

At the thought of explaining to his parents where the money came from, Wang Yan's head was too big, and he felt more torturous than the college entrance examination.

was worried, the courtyard door next door suddenly rattled for a while, and soon, a young man in his 20s passed by the courtyard wall, it was Wang Yan's neighbor, Wang Yunxi.

"Brother Xizi, are you back so early today?" Wang Yan greeted politely.

"Yo, Xiaoyan, why didn't you go out to play?"

"At today's temperature, who is going out to play whom?" Wang Yan complained.

"It's not like that, it's so hot in the weather!"

Wang Yunxi grinned, took off the white shirt on his body and twisted it, and the sweat fell to the ground.

"Xiao Yan, you wait for brother. ”

Wang Yunxi jumped into the house in two steps, took out half a watermelon from the refrigerator, inserted two spoons, climbed over the wall to Wang Yan, and put it on the table.

"Here, eat watermelon!"

Wang Yan was not polite, picked up the spoon and dug a large piece hard.

Wang Yunxi is not an outsider, he is a relative of the Wang family who has just come out of Wufu, and he even has to call Wang Yan uncle.

It's just that I've lived in the city for a long time, and everyone doesn't pay much attention to that, Wang Yunxi still calls Wang Yan's father the third master, but he has his own opinions with Wang Yan.

Nibbling two mouthfuls of watermelon, sweet and cool, Wang Yan's body suddenly disappeared from the heat, and it was so comfortable that he didn't want it.

You taste a delicious watermelon and trigger a mysterious reward.

[You get a skill, and you open your dashboard as a result]

it!

I've never bought a lottery ticket in my life.,So my brother is so European?!

It was so pleasantly surprised, so shocked that Wang Yan couldn't believe it.

1% probability, one hit, can you believe it?

So Europe, will it be a ...... Skills that can get 30,000 yuan?!

Quickly opened the personal panel, and in an instant, a 3D Xiao Wang appeared in the new interface.

[Host: Wang Yan]

[Basic attributes: Strength 64, Constitution 63, Agility 68, Intelligence 65]

【Skill: Foodie Spirit】

Foodie Reience is a particularly interesting skill.

However, it has nothing to do with money.

Wang Yan was somewhat disappointed, and continued to watch, but gradually became happy.

The note is: Passive skill, you can vaguely perceive the quality of the ingredients and pick out the best of them.

Wang Yan smacked for a long time, and finally realized: In the future, there is no need to be afraid of picking watermelons.

It must be thin skin and water, and it tastes good, isn't it powerful?!

Although it has nothing to do with money, Wang Yan is still very happy.

In the final analysis, making money is to enjoy life, and how much you can enjoy foodie skills!

Papa Ma is rich, right?

You threw a cart of watermelons to Ma's father and asked him to pick the best one, do you think he has a trick?

Hey, no?

Wang Yan is really a stupid child who is very easy to satisfy, and he feels that he has obtained a magic skill to beat the world's richest people, and the depression just now suddenly dissipated.

Let's take a look at the underlying properties.

The system has annotations –

Adult males over the age of 18 have an average attribute of 60 points and a limit of 100 points.

60 points average, 70 or more excellent, 80 or more genius, 90 or more genius.

Seeing this, Wang Yan only felt that his brain hurt.

I'm really average, none of them are below the passing mark, and none of them meet the excellent standard.

In fact, according to the normal distribution, talents like Wang Yan are the vast majority of all living beings.

Because, the evaluation of each attribute is very complex and rigorous.

Some people have a good memory, but a little poor logic, or a slightly weaker spatial imagination, and the total intelligence score is not high.

Some people have very good cardiorespiratory endurance, but their endurance in bed is average, and their physique is not high.

In short, everyone has their own strengths and weaknesses, and the world as a whole is still composed of ordinary people.

......

Wang Yan dug up a big spoonful of watermelon again, and his heart suddenly moved.

"Brother Xizi, I remember what kind of loan company you work for, right?

Wang Yunxi didn't raise his head, and said casually: "Credit small loan." Haven't heard of it?"

"Nope. Wang Yan shook his head, but his heart became more and more interested, and Baba asked, "Brother, tell me." ”

Idle is also idle, Wang Yunxi is idle nonsense, and has a talk to Wang Yan about popular science.

A credit loan is a kind of loan that does not require collateral or guarantee, and is guaranteed by personal credit for repayment.

The lending range of microcredit loans is generally between 5,000 and 100,000 yuan.

With the liberalization of financial reform, microcredit loans are sweeping the land of China at a rapid speed.

Wang Yan usually doesn't pay much attention to things outside, but occasionally sees some news on the Internet, as if campus loans are in a uproar, so he has some impressions of small loans.

Listening to Wang Yunxi's explanation, Wang Yan finally understood what was going on.

It can be described in nine words: a black-hearted loan shark with a low threshold.

Doubling in three years is considered a conscience, and a company with a higher interest rate can double it in two years.

"That's...... Someone still borrows this thing?"

Wang Yan couldn't figure it out, but Brother Xizi pouted disdainfully: "There are quite a lot of people who borrow! Some people have bad credit and lack of money, so where can they go if they don't borrow this money?"

"Credit information?"

"It is a personal credit report issued by the People's Bank of China, showing whether you have a loan, default or something, and after you graduate, you need to have a good credit report to buy a car, buy a house and get a loan. ”

Wang Yan suddenly realized: "It's like Alipay sesame seeds?"

"Yes. Wang Yunxi nodded.

"Our small loans only check the credit, not the credit. After borrowing money, even if you don't pay it back, at least you won't be able to get on your personal credit report, and it won't affect your regular loans in the future. ”

Wang Yan was stunned: "Wouldn't there be a lot of people who would repay their debts?"

"Otherwise, why do you think the interest rate is so high? Isn't it just to use high interest to cover bad debts? There must be people who don't pay back, but as long as the bad debt rate is controlled, the company will still make a lot of money. ”

"The company makes a lot of money, and we make a small fortune, haha!"

Wang Yunxi smiled and raised a finger: "Last month, my brother earned this amount!"

Wang Yan's eyes lit up, and he blurted out: "Brother, lend me 30,000!"