Chapter 16 Lend You Money
In the morning, Mudon woke up early. Pen | fun | pavilion www. biquge。 infoRecently, I have been busy and have become the norm to go to bed early and get up early.
The yard is very close to the river, and there is a lot of water vapor. On a late summer morning, a thin light mist rose. Not that kind of thick fog, but a wisp here, a wisp there, like a silk veil, scattered everywhere at will. Not shrouded, but embellished. The quiet yard, in this piece of light mist, gradually woke up.
Mu Dong walked out of the yard, walked in the direction of the river, and sat down on a large rock. Looking at the slowly flowing river, I thought quietly.
The yard is gradually on the right track, the personnel and equipment are basically complete, and there is no need to invest anything. All that's left is to wait slowly for this empty wilderness to slowly fill up with sand piles.
There is one thing that needs to be tried, after all, the yard is talking about selling sand to Quancheng, and Mu Dong thinks that it is better to pretend.
Regarding the lottery ticket, Mu Dong finally decided to buy it in that time period in his memory. Whether you can win or not depends on the will of God.
It's not that I haven't thought about going back to Quancheng now and buying multiple bets.
Later, I gave up.
I crossed back by myself. The wings of the butterfly have already begun to vibrate, and who knows if it will cause a whirlwind that will make all the difference.
Let's be cautious.
After pondering for a while, Mu Dong slowly wandered back to the yard.
turned on the mobile phone and called Lin Xiangyan first, explaining that his mobile phone was broken yesterday and expressing his apologies.
Today is the first day that the Mujia yard began to transfer and pay.
Morning. Most of the drivers said that they supported transfer payments and provided the account number of the Agricultural Bank of China. A small number of drivers did not express their position, and it is estimated that they are waiting and seeing. Anyway, it will be settled in the afternoon, and it will not be too late to express its position at that time.
In the morning, Mu Dong first went to the Internet café to send documents to Lin Xiangyan, and since he came back, he has been walking around the yard.
It's not that he's busy, but now there are people in charge of everything. Instead, Mu Dong became a hands-off shopkeeper. In everyone's hearts, Mu Dong is a person with big ideas, and he really doesn't have to do these small things.
That's fine, Mu Dong looked around, if there were any problems, if there were any ideas, he could improve them at any time.
At lunch, Mu Dong discussed with Mu Daodao, and planned to hand over the transfer to Mu Xiaoxia to be responsible. Because Mu Daodao was responsible for the previous settlement, Mu Dong was afraid that he would think too much.
Mu Daodao is still responsible for issuing cards and counting the number of unloaded trucks, forming a report, and handing it to Mu Xiaoxia, who is responsible for transferring. Mu Dong hopes that when he is not in the yard, Mu Dao can control the overall situation.
Mu Daodao felt a little unhappy in his heart, he was originally in charge of the money bag, but now he was suddenly about to be seized power, how could he be happy.
But Mu Dong's posture was very low, and he came to discuss with himself, and the POS machine looked like a landline phone, how to operate, it is estimated that he will not be able to learn it for a while and a half, so he pushed the boat and did a favor.
What's more, I carry a lot of money every day, and I am also scared. Now I don't have to worry about it, I finally breathe a sigh of relief.
After communicating with Mu Daodao, Mu Dong called his sister and asked her to come in the afternoon.
My sister hasn't arrived yet, but Xie Donglin has arrived.
Xie Donglin just removed the thread today, so he rushed to work.
It was a little bit of a small injury, but in fact, when the stitches were not removed a few days ago, he wanted to come to work. But my parents didn't agree. I finally dismantled the thread at noon today, and I immediately ran over. Mom and Dad didn't feel at ease, so they came with me.
Mu Dong greeted the second aunt and the second brother-in-law first. Knowing that he hadn't eaten lunch yet, he quickly asked Mu's mother to arrange lunch. The group sat down first to speak.
Mu Dong specially lifted Xie Donglin's forehead to look at the wound, and said with a smile: "Fortunately, I can't see it, it doesn't affect finding a beautiful daughter-in-law." ”
Everyone laughed together, but Xie Donglin blushed.
Then Mu Dong said to Second Aunt Mu and Uncle: "Second Aunt, Uncle, I didn't take good care of Xiaolin and let him get hurt. Makes you worried. ”
Mu Ergu said: "Xiaodong, I don't blame you. I know it all. It was he who was careless. He's here in the future, and you'll have to take care of him. ”
The second brother-in-law smiled innocently, smoked by himself, and did not speak.
Mu Dong said: "Second aunt, don't worry, I will take care of him." ”
Then he said to Xie Donglin: "Xiaolin, when you come back this time, don't command the unloading of the car, how about you learn to drive?"
Xie Donglin said: "Do you want to drive a forklift? ”
Mu Dongdao: "First follow Lao Tan to learn to drive a tractor, and then follow Su Peng to learn to drive a forklift." Try to get familiar with these two cars as soon as possible, and in the future, both cars will have to change shifts and take turns, and you must be able to drive. ”
Xie Donglin stood up happily and said loudly: "Brother Dong, don't worry, I will study hard." ”
Then he ran out with a cigarette, and said as he ran, "I'll go and see what my aunt cooks, just make some simple ones." ”
This kid is in a hurry to learn to drive after eating.
Second Aunt Mu and Uncle Mu left after eating.
Mu Xiaoxia also arrived.
Mu Dong took his sister to the office and told her about the transfer.
Mu Xiaoxia was a little excited and asked Mu Dong: "Xiaodong, can I do it?
Mu Dong suddenly felt a little sad.
Mu Xiaoxia actually had very good grades when she was in school. It's just that the family conditions were not good at that time, and Mu Xiaoxia worked everywhere after graduating from junior high school to subsidize the family. If it weren't for the difficulties at home, my sister would have been able to go to college and live a better life.
Mu Dong said: "Sister, it's actually very simple, I just learned it, you see, I'll take you to operate it." After a few operations, Mu Xiaoxia quickly remembered it.
Mu Dong asked her to try to give the test ABC card twice, no problem.
Mu Dong said: "Look, sister, it's as simple as that. If you are careful, you will definitely be fine. ”
Mu Xiaoxia was very excited and kept nodding. said: "That's good, that's good." I'll be at work tomorrow.
After thinking about it, he said, "Tomorrow weekend, the two children will not go to school." When I go to work in the future, I ask my mother-in-law to pick up the children at noon. ”
Mu Dong said: "It's a little hard these days, and it will be much easier to settle it once a week in the future." ”
After Mu Dong finished talking to his sister, he left the yard and went to Lunan City.
This time it's to go, looking for customers!
Yes, to find customers, always have to make a show and sell sand to other places.
Mu Dong first found a fast-printing business card and printed a few boxes of business cards.
Then I went to the Lunan logistics market and the Lunan distribution market.
Lunan City, as the largest commodity distribution center in southern and northern Jiangsu, has a considerable number of freight vehicles to and from every day. When these vehicles return, they all want to piggyback some goods and earn some return freight, which is called distribution. Mu Dong plans to look for his customers in the return vehicle.
If the return vehicle does not have a suitable distribution, and the driver is in a hurry to go back, and if the driver's local sand price is relatively high, and the three conditions are met at the same time, Mu Dong can have a business to do.
Although the probability is not large, Mu Dong doesn't care, he didn't want to do it on a large scale, just pretending.
Mudon began to hand out business cards everywhere.
The business card is printed: high-quality washed river sand, large forklift loading, 19 yuan per cubic meter, telephone: ......
Mu Dong got tired of it after a while, spent a hundred yuan, hired two people, and watched them send it.
After the logistics market was sent, I went to the distribution market and continued to send it.
Finally, Mudon also left business cards for the offices of several distribution stations.
That's it, go home, and wait for the rabbit.
Still on the way, there are out-of-town drivers to consult.
Mu Dong was a little dumbfounded. That's too effective, isn't it?
Mu Dong said the location of the yard on the phone, pointed out the driver's driving route, and asked them to come to load the truck early tomorrow morning.
As a result, the other party didn't do it, and he had to load the car as soon as possible, so he was in a hurry to go back.
Well, as you wish.
As a result, Mu Dong and the big truck arrived at the yard together.
This is a large truck from Heilongjiang, with a length of 16 meters and a width of 2.5 meters, and a height of 80 centimeters. The sand is heavier, just load the flat car gang.
There was a forklift, and it was full in a few back and forth.
Based on the principle of high-quality service, Mu Dong asked several workers to help smooth the sand in the car, and then assisted the driver in tying the tarpaulin.
The volume of sand is well calculated, 32 cubic meters. 19 yuan per cubic meter, a total of 608 yuan.
Mu Dong generously removed the odd head, 600 yuan.
The two big truck drivers were satisfied. The price of sand in Heilongjiang Province is very high, and the sand can be shipped back not only to make oil money, but also to make some profits.
I have also piggybacked sand in Lunan before, and the price is higher than here in Mudong, and the service is not so good.
The two thanked each other and hurriedly drove away.
Mu Dong looked at the 600 yuan in his hand, and thought to himself, seeing that the money was back.
This is the first time that money has been received since the establishment of the yard. Haha, do you want to collect it.
In the evening, the settlement began. No one chooses cash, but there is a shortage of money. Those who watched saw that most of the others chose to transfer money, and finally submitted their account numbers.
After settling the bill, the driver quickly left the yard and went to the ATM machine of the Zhennonbc branch to inquire.
Although Boss Mu said it, it must have arrived. And the balance can also be seen on Boss Mu's machine. But it's better to check on the big machine of the bank, and it's more assured.
Ordinary people, accepting new things, needs a process.
Fortunately, the process is short.
The balance given by the big machine is really the same as the balance displayed on Boss Mu's small machine.
Today, a total of 330 truckloads of sand have entered the field, of which several sand fields account for nearly 200 cars. This part of the checkout is very simple, Mu Daodao has already counted the number and transferred it directly. In about a quarter of an hour, the settlement of several battlefields was processed.
Among them, the battlefield of Mu Tongqing and Zhong Shujie is settled once a week, and there is no need to settle today. Mu Dong told Mu Daodao that the accounts of the two battlefields should be recorded and summarized once a day.
The remaining more than 100 cars, about close to 30 drivers, are relatively scattered, and it took some time. In addition, Mu Xiaoxia's first day of operation was also a little nervous. It took about two hours, and all the transfers were completed.
In this way, it is almost an hour faster than settling cash every day.
Mu Xiaoxia's face was covered with sweat, but her heart was extremely comfortable.
Next up is Saturday.
In the morning, the personnel who installed the conveyor belt came to the yard.
In the early stage of the yard, as long as it is sorted out by a forklift, the height of the stacking is about three or four meters. Now there are crawler tractors, which can be rolled out of the gentle slope first, and then stacked to a height of five or six meters with the help of the gentle slope.
After the forklift and crawler tractor stabilize the bottom of the pile, the conveyor belt can extend the height of the pile to more than 10 meters.
Although the current funds are not enough to extend the height of the entire yard to more than five meters, Mudong decided to make the starting point higher.
There is still some time, and there may still be funds.
Mu Dong didn't actually know that the funds were nearby, and they were coming soon.
In the morning, the conveyor belt was successfully installed.
The equipment that was planned and not planned by Mudon is now all in place.
In the morning, two more trucks came to load sand, earning 1,100 yuan.
In the afternoon, five trucks came, with an income of 2,600 yuan.
Mu Dong was surprised. This is too, a day, a few boxes of business cards, this effect is too obvious.
I'm just trying to pretend!
Mu Dong hesitated, this business is still good?
Mu Dong planned to hoard this sand and wait for the price to rise. Sell more cars now, and earn less later.
It's contradictory.
Mu Dong locked himself in the room, thought about it for a while, and finally decided to do it.
There are three reasons for this.
First, the current price of sand is still at a low level, and it is not yet the time to hoard sand and sell it;
Second, the cost of the sand entering the market now plus the management fee is about 11.5 yuan per cubic meter, and the sales are 19 yuan, and the profit is considerable.
Third, the boom in purchase and sales can boost confidence for family members, workers in the yard, and suppliers.
However, that's all business cards will be issued, and the scope will not be expanded, just maintain the status quo.
A large amount of in, a small amount of out, is the purpose of Boss Mu.
Mudon made a decision here, and others made a decision as well.
When Mudon started building the yard, some people had been paying attention to him.
Such a large venue, such a large amount of sand, so much cash settlement, and all kinds of air conditioners, bottled water, etc., are all tricks to waste money.
This kid, I haven't seen a single entry!
That's a lot of waste!
Finally, I heard that the Mujia yard began to sell sand out, and the selling price was not low, and there were people from all over the country who came to buy sand.
This kid from the Mu family really has a vision.
When the local sand boss has set his sights on the local market, he has already done business in other provinces.
Well, it's time to make a move, talk to this kid.
That night, someone came to the door. There are two people, one of them is Mu Huafeng, and the other is also from this village, Mu Dong doesn't know the name, only knows that it is a wealthy household in this village.
The wealthy family is called Mu Jinqian, who is not very old, less than 50 years old, but he has a very high seniority. Mudon needs to be called grandpa. Mu Dong's Lao Tzu has to be honestly called uncle.
Mu Jinqian had a very small circle, about one or two dozen people. These people are all wealthy families, and they have a strange business of borrowing money from outside.
Yes, offer to lend money to others.
Now the interest rate on bank deposits is low, and it is a bit risky to do business on your own. There are some similar circles in the countryside. They are specifically looking for some potential businesses and potential bosses in the vicinity, and take the initiative to lend you money, the interest rate is higher than the bank interest, but much lower than the loan shark. Basically, the annual interest rate is around 10%.
These people are not greedy, they are very careful in choosing projects, and they only do business with acquaintances. So in general, make more and lose less, and rarely miss.
With his extremely high seniority and unique vision in recent years, Mu Jinqian has quite prestige in this circle. The funds he can mobilize by himself are about 1 million, and the funds that can be affected are no less than 5 million.
Mu Jinqian was not familiar with Mu's father, and he couldn't talk to Mu Dong, so he heard that Mu Huafeng had talked to the Mu family a few times in front of him, so he found him and acted as an intermediary.
Mu Huafeng is very happy, he has experience as an intermediary! What's more, this time it was Mu Jinqian who entrusted him, he was too face-saving, Mu Jinqian was an elder!
Mu Dad, Mu Dong, Mu Jinqian, Mu Huafeng, the four of them sat down in the yard office. Mu Dong gave the three of them a cigarette, and one by one.
Mu Dad said to Mu Jin in a proper manner: "Uncle, what do you have to tell you to find Xiaodong?" and said to Mu Dong: "This is your grandfather, call someone." ”
Mu Dong was a little helpless, but he knew the rules. Standing up and calling grandpa.
Mu Jinqian was also helpless, this door-to-door was to talk about business, so restrained, and talking about a fart.
Thinking of this, he said to Mu Dad: "Huashan, you go and get busy first, and I'll talk to Xiaodong." Then he went to Mu Huafeng and said, "You can also go out with your eldest brother." ”
The two brothers got up and left.
Mu Jinqian smiled and said to Mu Dong: "This time your father is out, don't be restrained, let's talk?"
Mu Dong was indeed relieved and said, "Grandpa, you are still amazing, my father is here." I'm really uncomfortable. ”
Mu Jinqian said: "Xiaodong, just the two of us, I'll just say it directly." I think your business is good, I want to get involved, what do you think?"
Mu Dong was a little surprised, and thought, it is indeed direct enough, what kind of routine is this. He said, "Okay, grandpa, are you going to buy shares?"
Mu Jinqian said: "Don't be a big grandfather, I sound awkward." I'm not as old as your father, so let's do it, just the two of us, you can just be a young man, shouting and listening to your ears. ”
Then he said: "Don't get me wrong, don't buy shares, that is, if you lack funds, I will lend you some and collect some interest." ”
Mu Dong immediately thought of usury.
It's a normal person who has to think like that.
Mu Dong said: "Master, I really don't lack money for the time being, I just took out a loan a few days ago, and my Uncle Huafeng knows that he also guaranteed it." ”
Mu Jinqian smiled and said, "Boy, you think too much, it's not a loan shark, with an annual interest rate of 12%, of course, higher than the bank loan interest." After a pause, he said, "I heard about your loan." I just heard that you took out a loan, so I estimated that you might be short of money. ”
When Mu Dong heard this, he immediately felt that he was capable of doing it. However, how could such a good thing find him? Thinking of this, he said, "Master, I just fell into your eyes?"
When Mu Jinqian heard this, he knew that it was done. said with a smile: "I only do the business of acquaintances and mix up a little money." You can inquire, Mu Tongqing and Zhong Shujie's battlefield, I lent them money at the beginning. ”
Mu Dong saw that Mu Jinqian's cigarette was almost finished, stood up, and saluted again. said in his mouth: "Master, this interest rate is a bit high, in Quancheng, friends help me, at most 10%." ”
Friends, it's only 10%, you're a grandfather, you can't get a discount.
Mu Jinqian thought to himself, this is a little fox. "How much do you use?"
Mu Dong said: "500,000." ”
"Nine percent. ”
"Eight percent. ”
"Deal!"