After eating a rich and knowledgeable grilled fish feast, the three of them lazily climbed onto the boat with their wallets in their arms. The prawns wanted to take the rudder, Wu Jingya took over first, come, let me try. Saying that, Wu Jingya skillfully operated the boat, and he was very skilled.

Xiao Shrimp said sincerely, Brother Wu, you are so powerful, why do you know how to sail.

I've been watching you two operate, and it's a matter of combining theory with practice, so I'll see it.

Brother Wu, there is so much money, how do you say we spend it? Little Shrimp asked.

I don't have any concept of money, but I know that with money, you can't let money sleep at home. You have to learn to get the money rolling.

Well, I think we can open a restaurant. Little shrimp said.

Restaurant? Wu Jingya was a little puzzled, this is a diligent practice! It's hard.

I opened a restaurant and let the cook fry whatever I wanted, how good. Xiao Shrimp said whimsically.

Xiao Shrimp has served this younger brother, and your brain is not worthy of business. I think we can start a dart game, now there are bandits in the places where the provinces are handed over, and the rich people are worried about danger when they transport goods and gold and silver. When the time comes, I will be a dart master, and Xiao Shrimp will be an executioner. Let's hire a few more dart masters to go south and north to ensure the safety of the goods, and we will definitely make a lot of money.

Wu Jingya nodded, the prawns are better than the small shrimps, but it's too hard to be a dart master in the wind and rain, can you stand this kind of repetition and toil for many years? Now that we have so much money, there is no point in doing all those drudgeries, we should do things that can earn money by staying at home.

You can earn money by staying at home, how to make money, is it to let money crawl over on its own long legs? Prawns were a little unconvinced.

Money naturally doesn't have long legs, but people have two legs! As long as people come, money will naturally come. We can open a pawnshop.

Open a pawnshop? The eyes of the prawns were wide open, and our brothers had never been engaged in this thing.

I have to do it before I have done it, and it is not a bad thing to learn more skills while I am young. And this pawnshop is really not as difficult as you think. To put it bluntly, the so-called pawnshop is that people who have no money mortgage things and then borrow money, and then the interest rate is relatively high, and when they want to redeem this thing, the principal and interest are counted together.

What if you can't redeem it? Little Shrimp asked.

Then the thing to be redeemed will become in the pawnshop.

That's just a little bit of interest, and I don't think it's going to be able to sustain a good life.

That's not it, what we hope most is that this thing can't be redeemed, and that thing will be ours. And when we give them an estimate of the value of the item, we generally value it at one-third of the price of the item. You think, if this thing goes to us, how much money will we have to make?

Prawn expressed his concerns, Brother Wu, we have a lot of money at the moment, but I heard that being a pawnshop is also risky, once our money is not working, the money has become goods, what can we do?

Wu Jingya nodded, the prawns are smarter than the small prawns. This is true, so it is very important to have enough money in a pawnshop. So at the beginning, if we have enough money to operate, we will slowly open up our reputation, and when there are more and more people, we will start to tie up a bank or bank behind us, if we don't have enough money, we can borrow from him!

Prawns are a little confused, borrowed? People are not related to us, why should people borrow it from us!

Silly, come on, you drive the boat for a while, and I'll smoke a cigarette and continue to talk to you. Wu Jingya wiped the sweat on his face with a handkerchief, he took out a cigarette, and the shrimp lit it for him.

Oops, comfortable. Wu Jingya sighed. After eating the fish, I panicked, and after driving the boat for a while, I felt much lighter. Why don't other people's banks lend us money, those things that others deserve in our pawnshop can be used as collateral and let the bank lend us money.

Ang, these common people take money from us as things. We borrowed money from the bank by mortgaging their things, why do I think something is going to happen? If all the people come to ransom from the pawnshop, and their things are held in the bank, then we are finished.

Wu Jingya laughed, could there be such a thing? Everyone made an appointment to redeem the pawn together, and the date was different, so how could everyone come together to redeem the pawn? We do this by using the time gap between time. It's not complicated, but it's more cumbersome.

Brother Wu, I still don't understand, the bank gives us a loan, well, then will we not make much money, they also ask for interest.

Silly boy, if we really tie up the relationship with the bank. The interest rate they give us on the loan will be very low, but it is also conditional, that is, we have to deposit the money we have earned with them, and the interest on our deposit is not high. In general, this is a business, if you want to make a profitable transaction, this account cannot be done according to the business of a hammer sale, the more complex the link, the more profits.

This conversation can be said to have benefited the big and small shrimp brothers a lot, it turns out that there are so many ways to do pawnshop business!

Prawn sighed, I used to think that being a poor person was hard, but now it is not easy to see the life of a rich person, it feels like covering eight bowls with seven dishes every day.

The boat is almost docking, this is a rather narrow haven, the place to enter the port is relatively narrow, as soon as you enter, you will find that a lot of boats are closely placed in the harbor, this seems to be a fishing village floating on the sea. Wu Jingya said, this is a fishing village, it looks pretty good, how to say, chic.

But the shore seemed to be quiet, and there were no people. Wu Jingya and the shrimp docked and tied the boat to the shore. It wasn't yet completely dark, and the three of them went ashore to stretch their muscles, wanting to ask for directions and see where this was! Passing by these fishing boats, the gates are locked, and there seem to be people inside. Wu Jingya felt that the atmosphere was weird, but there was no one.

Who said there was no one, a young lad made a crisp sound.

The sound is loud, but where does it come from? Prawn shouted, where are you, don't pretend to be a ghost!

Whoever pretends to be a god is right behind you.

Wu Sanren turned around, only to find a young man sitting in the middle of two fishing boats with a fishing rod.

Prawn stepped forward, I asked, here we are.

Shhhhhh

The prawn squatted down and whispered, don't close the rod yet.

That's a fish tempting, and it hasn't opened its mouth yet!