Chapter 17 Come and save money
The money sent to the door is safe and reliable, and Mu Dong will naturally not refuse. Pen & Fun & Pavilion www.biquge.info he is worried that the funds are not very rich, this time it's okay, God helps.
God help those who help themselves.
Early the next morning, the two signed a loan agreement.
Mu Dong borrowed 500,000 yuan from Mu Jinqian for one year with an annual interest rate of 8%.
In particular, Mr. Mudon requested that a clause be added to the loan agreement.
If the borrower (Mudong) is in good financial condition, he has the right to request early repayment of the loan, settle the interest according to the actual use time, and pay an additional month's interest.
The extra payment was added by Mu Jinqian.
If someone bargains, there will naturally be counteroffers, and they are all businessmen.
Then Mu Jinqian went to the Agricultural Bank of China to transfer money to Mu Dong. After Mu Dong inquired about the balance, he signed on Mu Jinqian's transfer form.
Mu Dong plans that he will use this money for half a year at most. But if the agreement for half a year is signed, it is estimated that Mu Jinqian is unwilling, and it may make him suspicious, so he finally made up this clause. As for the extra month's interest, it is also acceptable.
I had a little more money on hand. Mu Dong returned to the yard and made some more arrangements.
The thorns and peppercorns on all sides of the yard have been planted, and several workers have been doing auxiliary work around the yard in recent days. Now all transferred to the unloading place.
The forklift and the crawler tractor have been skillfully coordinated, and the unloading points have been expanded to four, which has once again increased the unloading speed.
Every afternoon after work, a group of night shift personnel is started to use a conveyor belt to raise the height of the sand pile to about 10 meters.
Because of the bottom of the conveyor belt, a forklift needs to be used to load the material, and the forklift has to be unloaded during the day, so now it has to use the time at night.
In Mudon's plan, 10 meters is already the limit.
It can't be any higher, and if it is higher, there will be a danger of collapse when it is sold in the future.
Finally, Mu Dong told several people who commanded the unloading that from now on, on the east side of the yard, between the sand pile and the thorn wall, a passage with a width of 10 meters should be set aside for loading at multiple locations when it is sold later.
After Mu Dong arranged these things, he set off to the county seat to find his aunt Mu Hong.
This time, I wanted to get my driver's license as soon as possible.
It's impossible to get a driver's license all at once. Mudon has no way to do this.
Mu Dong went to Jin Yuyuan Restaurant, found Mu Hong and Wang Shaoqiang, explained his intentions, and said that he had driven a car in Quancheng, but he didn't have a driver's license.
That is, in another time and space, Mu Dong is a veteran driver who has been driving for several years.
Wang Shaoqiang let Mu Dong drive for a while, and found that Mu Dong really knew how to drive, and he was very skilled.
So Wang Shaoqiang took Mu Dong and found the coach when he was learning to drive.
Coach surname badge. Driving school instructors have come into contact with a lot of students, people from all walks of life. Which student has what background, the coach knows very well. Wang Shaoqiang is a student who opens a restaurant, which is the coach's favorite type. I have money, I don't have a shelf, and I'm very easy to deal with. Such students naturally get closer, and even if Wang Shaoqiang finishes the driver's license test later, he has more contacts.
When you have time, you can't go to the restaurant to cheer up? Relatives and friends have a happy event, Boss Wang is not allowed to give a discount or something?
So seeing Wang Shaoqiang bring people, Coach Zhang was happy. The more the relationship moves, the closer it becomes. Go relatives go relatives, don't go, where do you come from.
Wang Shaoqiang is also more willing to deal with Coach Zhang.
Coach Zhang knows how to advance and retreat, and he knows how to measure. He knows a lot about the exam. After learning the driver's license that year, Coach Zhang came to the door several times, but he was never greedy, that is, he wanted to save face.
came and went, and the two became friends.
Since he is a friend's nephew, this thing has to be done, and it has to be done.
Coach Zhang first let Mu Dong drive a while, and then asked him to go to the venue to try reversing or something, and he was a little surprised, this is completely the old driver's fan.
Mu Dong explained that he had practiced with friends when he was in Quancheng, so he was proficient in driving.
Mu Dong hoped to get a driver's license as soon as possible, and Coach Zhang thought for a moment and gave two plans.
One plan is that Mu Dong does not use it, and Coach Zhang arranges all written tests, pile-ups and road tests, and gets a driver's license in a month. You need to pay an additional 1,000 yuan, and this money is used by Coach Zhang to find substitute exams and other points.
In 2008, the driving test was not as strict as it is now, and there was no monitoring in the test car, so there was still a lot of room for operation. Moreover, Coach Zhang is very satisfied with Mu Dong's driving level, and he doesn't have to worry about Mu Dong getting a driver's license but not being able to drive, causing trouble.
Another plan is that Mu Dong will take various exams step by step, and the time is also a month, and the coach will rank all Mu Dong's exams in front, but Mu Dong needs to come to take the exams on time.
Coach Zhang didn't say what the second plan needed, it is estimated that it is not needed, that is, it is a personal favor, after all, it needs to be added to the exam.
Mudon chose the first option. My time is really uncertain, in case something delays the test, and the driver's license has to be extended. It's better to be on the safe side and get your driver's license as soon as possible.
Then Coach Zhang took Mu Dong to the driving school office to register, took a photo, and paid the money.
Then Mu Dong gave Coach Zhang an extra 1,000 yuan in cash, and Wang Shaoqiang also prepared a cigarette for Coach Zhang.
Then the two took their leave.
Mu Dong suddenly wanted to get a driver's license, mainly because he wanted to buy a car.
Mu Dong actually doesn't need a car much, and now he rides an electric car on the short distance and takes a car on the long distance, and he doesn't feel inconvenient. It is mainly for the future consideration of the yard.
The yard is to sell sand later. At that time, Boss Mu can't ask people to transfer money, swipe cards, or anything, and must need to transfer a large amount of cash, so he will have to go to the bank to deposit money every day. For the sake of safety, it is safer to have a car at that time.
Huang Si's incident, although it was over, also reminded Mu Dong. It's hard to say if there are other covetous eyes in the shadows. Again, the heart of defense is indispensable, and it is always good to be careful.
Mu Dong returned to the yard in the afternoon and looked at Xie Donglin's learning of crawler tractors. It's not bad, Xie Donglin has already opened well, but he is still a little nervous.
With a master like Tan Jiaming, teaching Xie Donglin is a piece of cake.
Mu Dong found out more and more that Tan Jiaming was a talent, a few days ago, the forklift was lying in the nest, and the little things that Zhong Guodong learned in school couldn't be done at all, so he was helpless in a hurry, and planned to call for maintenance.
Later, Tan Jiaming came over, looked around, and said that it was a problem with the circuit, and the contact was not good, so it was done in three or two clicks.
Mu Dong kept these things in his heart.
At dinner in the evening, Mu Dong told the four people who drove the vehicle that they should take time to cross-learn and make sure that all four of them can be proficient in driving forklifts and crawler tractors.
Starting this evening, forklift drivers will take turns working night shifts to assist with conveyor belt loading. Mudon wants everyone to be on their own.
Tan Jiaming is naturally no problem, he is already proficient in driving all kinds of large equipment. Although it hasn't been opened for many years, it is enough to get used to it a little.
Su Peng is not a big problem, he has been driving a forklift for several years and has adapted to the operation skills of large machines. Besides, the crawler tractor does not even have a steering wheel, just a few levers, and the operation is very simple.
The main ones are Zhong Guodong and Xie Donglin, who need to learn and adapt for a while.
Mu Daodao came to report in the evening, and a total of 390 cars entered the market today. Mu Dong feels that in the later stage, it will slowly stabilize at 400 vehicles per day and enter the yard at about 2,400 cubic meters, so that the yard can be filled up before the price soars.
Today, there are 11 trucks to buy sand, with a cumulative sales of more than 300 cubic meters and sales of nearly 6,000 yuan.
One in and one out, the increased storage capacity for the day was about 2,000 cubic meters.
When Mu Dong is not in the yard now, he has already handed over the sale of sand to Mu Daodao. Mu Daodao was very happy, he had just lost an errand to pay, and he had an errand to collect money. Big brother is really good to me.
Mu Dong told Mu Daodao that the trucks that came to buy sand must be served well. Help level the carriage and tie the tarpaulin. To provide the driver with hot water, catch up with the meal, let the driver have a simple meal in the room. Mu Dong also made a special suggestion to refill the driver with water for free.
Most large trucks are equipped with water tanks to cool down the tires. When the tank is empty, the driver has to find a way to refill the water, and it costs money to refill the water.
At the beginning of the establishment of the Mujia storage yard, a well was drilled for its own use, and a small water pump was also installed. It is close to the river, and the groundwater is very abundant, and there is water if you dig three or five meters down. The water quality is also good, and the groundwater is much cleaner than the river water.
A few days ago, a driver occasionally asked if Mu Dong could spend money to add some water. What kind of money does it cost, Boss Mu waved his hand domineeringly, and filled it up. At that time, Mu Dong had a thought, since there was a need, he would try his best to meet it.
I'm already planning to do a good job of the service of the truck, so try to do better.
On Sunday, people came to Mu Dong one after another. Among the people who came, there were those whom Mu Dong knew, and there were those that Mu Dong did not know at all.
This is Mu Daodao, who is busy issuing cards at the door, every time someone comes, he will quickly issue a certain helmet, and he will tell people to hand it back when they leave. Fortunately, the helmet prepared by Mu Dong was enough.
Everyone who came said that they were here to save money from Boss Mu, and they came to inquire about how much interest Boss Mu could give.
Yes, save money, although the Mudong yard is not a bank.
Mu Dong is a little confused, where is this, looking for me to save money?
How can Mu Dong be qualified to absorb deposits? This argument is too scary! If you don't get it right, it's illegal to solicit deposits!
After asking in detail, I learned that these people had heard that Mu Jinqian had deposited 500,000 yuan in the Mu family's yard and rushed here when they heard the news.
The common people are more realistic, I give you the money, and you give me interest. It's the same as a bank, isn't it just about saving money?
Therefore, a capable person like Mu Jinqian would say that he would lend money to Mu Dong. Ordinary people are much more direct to save money.
Mu Dong finally figured it out, and these people also wanted to lend money to Mu Dong and eat some interest.
A rich person like Mu Jinqian dares to lend to Boss Mu, and his family will definitely not lose this amount of money.
Therefore, the herd mentality of ordinary people sometimes has positive factors.
The amount of money put forward by those who came was not large, 12,000 and 35,000. The requirements are not high, with an annual interest rate of 6%, which is much better than depositing in a bank.
You must know that in 2008, the interest rate of one-year fixed deposits of banks was only 2.3% and 6%, but the bank interest rate was more than twice that of the bank.
Mu Dong is a little difficult, this money, Mu Dong really doesn't want it, it's too trivial, this family has 10,000, and that family has 20,000.
And the rural people don't have the spirit of contract (of course, the city people don't have it), and this money, whether it is stored with you or lent to you, if something happens to his family, he will want to go back.
You said that if it is a big deal, forget it, sometimes the second cousin of the third aunt's family wants to buy a sow, which can also be an excuse to ask for money.
Mu Dong grew up in the countryside, and he has heard of such things.
Mu Dong was a little prevaricated. As a result, a few people who came quit, they made a few phone calls and found a person.
Mu Huafeng, director of the village committee.
This wind was blown by Mu Huafeng.
Mu Huafeng is actually kind. He felt that Mu Dong's large amount of money could be used, and the small amount of money could definitely be used, and the interest rate was lower than that of the large amount.
The point is, Mu Huafeng also wants to participate.
I was embarrassed to come to the door by myself, so I simply found a few people to be pioneers.
As a result, these pioneers were unfavorable, and Boss Mu refused.
There was no way, Mu Huafeng had no choice but to come up by himself.
In the yard office, everyone was dismissed, and Mu Dong and Mu Huafeng smoked together. In fact, Mu Dong is reluctant to smoke, no way, on this occasion, smoking together, it is a social activity.
Mu Dong said: "Uncle, your idea, right? You can just take it if you have money, I really don't want to use other people's money." ”
Mu Huafeng said: "I didn't want to help you, I didn't expect you kid to not appreciate it." ”
Mu Dong said: "Uncle, how can you not appreciate it? It's just that some money is too fragmentary, and I'm a little troublesome." ”
Mu Huafeng took a puff of cigarette, spit out a few smoke rings, and said slowly: "Dongzi, there is a truth that you may not understand. Don't look at people giving you money, if you don't accept it, you will offend people. ”
Mu Dong was stunned, he didn't expect this layer.
Rural people want face (of course, people in the city also need face), coupled with this kind of housing structure in the countryside, everyone goes to the door to chat for a day, and moves around more, unlike the city where people live behind closed doors and rarely move around. Therefore, what happened to rural people spread very quickly.
If Mu Dong doesn't accept this money today, he will offend some people. Send it to the door to "save money", and no one wants it. It's too embarrassing, it's too embarrassing.
As long as this news spreads, there will be news such as "no one in the eyes of the Mu family", "The threshold of the Mu family is high", and so on.
If you don't get it right, even Mu's father and mother have to be choreographed.
Yes, listen to people's advice to eat well, and be as good as a stream.
After a while, the door of the office opened, and Boss Mu announced that he would accept the villagers' "deposits" and come to go through the formalities in the afternoon.
At this point, Mu Huafeng fell to the ground and picked it up gorgeously.
As for why he didn't go through the formalities now, Boss Mu said that he was going to the town to print some agreements. There are too many people, and it takes too much effort to write by hand.
Yes, after all, it is a college student, and it also prints the agreement, which is very formal.
Some people agreed, yes, yes, I heard that the management of the yard is also very formal, and I often post an announcement or something.
In the afternoon of the same day, Mu Dong signed loan agreements with some people one after another, and after receiving the cash, he wrote IOUs by hand. The term is half a year, and the annual interest is 6%.
Of course, it can only be an IOU, although the villagers keep saying that it is a deposit, but how can Mu Dong have the qualifications to absorb deposits.
And Mu Dong has repeatedly claimed that there is really no shortage of money, and it is completely for the sake of the face of the villagers, and he will use it for the time being.
Is it true that I only borrow it for such a long time, and I won't accept it if it is longer.
As a result, the more you say that, the more people come to "save money".
That night, Mu Huafeng quietly sent 50,000 yuan. Mu Dong is naturally treated differently. Semi-annual, 1% per month.
Mu Huafeng felt that Mu Dong was very sensible and had a good face.
And at this moment, Uncle Mu felt that he was particularly faceless.
First, the news of Mu Jinqian's "deposit" in Mu Dong's place reached the ears, and then it was rumored that many people "deposited money in the Mu family's yard with high interest".
Uncle Mu felt that it didn't matter, Aunt Mu couldn't sit still.
Unexpectedly, Mu Dong, this kid, can really toss things. Even capable people like Mu Jinqian have gone to "save money". Remembering that Mu Dong had said before that he would let him become a shareholder, Aunt Mu felt that it was not too late to become a shareholder.
So, I told Uncle Mu to let Uncle Mu take 50,000 yuan and go to Mu Dong to buy shares.
So Uncle Mu felt that he was very faceless, and he had no face at all.
I used it as an insole for my own face.
When Ru Mu Dong persuaded everyone to join the shares, his daughter-in-law was sneering and walked away. Now go back to your nephew, how can you pull this face?
That's a nephew, a junior.
If you go to ask the eldest brother, it will be okay to lower your head, but the eldest brother really said that it doesn't count!
Uncle Mu made a mistake and drank sullenly at home. The daughter-in-law whispered in her ear that he should listen to stand-up comedy.
Another day passed, Aunt Mu really didn't want to wait, so she took the money and dragged Uncle Mu to the yard.
This is the first time Aunt Mu has come. Looking at the busy and hot yard, Aunt Mu felt a lot firmer, and it seemed that it was really feasible to buy shares. At the same time, there was some jealousy in my heart.
Seeing people, Aunt Mu's mouth was called sweet, the eldest brother and sister-in-law, the second brother and the second sister-in-law screamed, and the sugar content was very high.
Everyone also responded simply, and at the same time wondered in their hearts, what was she doing here.
Just as Mu Dong came out, Aunt Mu hurriedly said: "Oh, Xiaodong, we are here." I finally saved some money, so I quickly brought it to you. ”
Mu Dong slandered in his heart: If you don't leave, you will go backwards.
But the third uncle's face still has to be seen, although the third uncle has a blue face.
Mu Dong warmly welcomed the third uncle and third aunt into the office, and at the same time invited Mu Dad, Mu Ma, second uncle and second aunt in.
It would be better to have a few more witnesses.
Mu Dong signed a loan agreement for Aunt Mu, with a term of half a year, a monthly interest rate of 2%, and a stake or something, Mu Dongken said that the third aunt may not be willing to believe it. It's still black and white, and it's easy to fall.
As for the settlement in the future, Mu Dong will naturally not let the third uncle suffer, and he will definitely settle according to the normal income, which will far exceed this agreement.
After all, the yard was established, and the third uncle was also worried.
Two days later, Mu Dong announced that he would no longer borrow money, not a single cent, and no shortage of money. This made the rich people who came over later annoyed.
In two days, Mu Dong received a total of 350,000 "deposits".
This is not counting the shares of the third uncle.
Mu Dong didn't care who was happy and who was annoyed, he was extremely happy.
Because, Xiao Xiao is coming back, and the National Day holiday is over!