Chapter 5 Outside Rules

Since the crossing, Fang Yingwu was proud of his father for the first time, and for the first time he felt that his father was not so cheating on his son, he saw his uncle's aggrieved spirit, and he felt a deep breath of evil.

After that, he secretly woke up again, and he still had to be a person with ideals and pursuits. The journey is not the stars, the sea should also be the blue sky and white clouds, how can you get carried away for this trivial matter in the countryside?

Second Uncle Fang Zhili was silent for a long time, and he found that the situation in the hall seemed to have been controlled by Fang Yingwu, and there was a danger of getting out of control. But Fang Yingwu is upright and blameless, who dares to deny the grace and preferential treatment given to the students by the imperial court system?

In order to share a few more acres of land, Fang Qingtian claimed that he was unwilling to afford the money invested in Fang Qing's fame, so it was natural for the long-term house with his fame to recover the protection of the other party's Qingtian. There is absolutely no reason in the world that you don't pay and only get wet.

Fang Zhili found that it was not good for him to take the initiative to express his position as an arbiter, so he could only sigh and say to Fang Yingwu, who was gaining momentum: "You say, how much compensation do you want from the second room to give you?" ”

Fang Yingwu calculated with a smile: "If the long house only has two acres of land, and the second house is divided into six acres, then let's talk about taxes first." On average, one acre of land is calculated every year, the annual summer tax is one or two halves, the autumn grain is two liters of rice, which is converted into two silver and about one penny, six acres is six coins, and eight years is four taels and eight coins of silver, which is because of the total number of taxes exempted.

As for the exemption from forced labor, according to the calculation of two cents of silver per ri, how can one hundred days be exempted in eight years, that is, two taels of silver. The two items add up, and the second room should almost supply a total of seven taels of silver for the long room. ”

Everyone in the ancestral hall worshiped Fang Prodigy's counting ability again, and the five-body throw was exempted, they were all his elders, and it was impossible to throw himself into the ground with five bodies.

When Fang Qingtian heard the number seven taels, he said angrily: "I don't have this money!" If you want to die, there is one! ”

The current price of one acre of paddy field in Chun'an County is six or seven taels of silver, and if the second room Fang Qingtian takes out seven taels of silver to divide two acres of land, it is definitely a good deal.

But the problem is that Fang Qingtian's own son is tight, how can he pay Fang Yingwu with seven taels of white flowers? Even if you use rice and silk to fold in kind, you can't take it out.

Don't forget that for farmers, Chuntian is the poorest period of green and yellow, and even if they survive until the autumn harvest and go out to pay rations and taxes, there is not much left for ordinary farmers.

Of course, Fang Yingwu couldn't ask for his uncle's life, so the matter was deadlocked again. Everyone looked at Fang Zhili again, waiting for his old man to come up with an idea.

Second Uncle Fang Zhili thought for a moment, "It's not as good as this, the second room will give up one acre of land, which will be converted into seven taels of silver and distributed to the big house." Now the two sides are flattened. "According to this plan, the second house will eventually get five acres of land, and the big house will get three acres of land.

Fang Yingwu glanced at his uncle, "Thinking of the affection of relatives and the face mediated by the second uncle, I am willing to give up a step back in the long house, as long as the three acres of land." ”

This number of acres is not enough to ensure his survival and rations. At the beginning, he did sell two rooms of public land for his father's fame, and it was also appropriate to divide the two acres into two acres for the second room.

Besides, he has already taught his uncle a little lesson today, and there is no need to continue to stalk, so many neighbors are watching here, and he still has to pay attention to some faΓ§ade skills. It is only natural that rabbits do not eat the grass next to the nest.

Without getting the six acres of land he had planned, Fang Qingtian was helpless. Today's eldest nephew's sophistication and decisiveness caught him off guard, this is not at all like the way a fifteen-year-old boy acts, who would dare to be the master of the house like this?

But Fang Qingtian was still unwilling, feeling that he had suffered a loss, and his heart was as uncomfortable as a pinprick. I couldn't help but say to the other party again: "The mountain paddy fields are priceless, and it is difficult to buy them with seven taels of silver, but in fact, the fields are more valuable than silver." It would be too convenient for the second uncle to ask me to give up an acre, and I had to add some other things. ”

Fang Zhili was also a little impatient with Fang Qingtian's inches, and asked angrily, "What do you want?" ”

"Changfang must continue to help me avoid forced labor, so that it is fair." Fang Qingtian was greedy.

Fang Yingwu sneered when he heard this: "In this case, the little nephew doesn't want the field, and the uncle can take away six acres, and the other is to supply the silver of the long house." ”

Fang Qingtian took the opportunity to play Lai, "I don't have the money now, I owe the debt first, and then slowly repay you, can I still escape?" ”

There were all kinds of voices in the ancestral hall, and Fang Qingtian's performance of playing a bachelor was really a little overwhelming. But when ordinary people encounter such relatives who don't want to show their faces, there is really nothing they can do, they can't beat or scold, and many times they can only suffer dark losses.

Although Fang Yingwu was not in a hurry, he was also stunned for a moment, and muttered a few words in his heart that you are unkind and unjust, and then said: "Uncle must be sure that he has thought about it, and the little nephew is naturally fine." However, state-owned state law has family rules, and borrowing debts must also follow the rules. ”

"What rules?"

"First of all, write down the contract and draw it, so that there is no empty mouth. Secondly, the interest should be calculated according to the market. As far as I know, the market of money lending in pawnshops in the city is three cents per month, and the seven taels of debt in your long house, uncle, is only fair to calculate the interest according to this market, and you can't break the rules! ”

These simple villagers in Shanghuaxi Village have an activity range of no more than ten miles, and there are no businessmen. Where do I know what algorithm and what rules are the interest rates of money and debts outside? However, I did hear the saying that borrowing money outside is calculated as interest, but I was stunned by Fang Yingwu's words, and sighed that Brother Qiu was really knowledgeable.

Fang Qingtian couldn't count the amount for a while, so he could only subconsciously ask, "How much interest is that?" ”

Fang Yingwu said casually while calculating: "Three cents of seven taels of silver is two cents and one cent, that is to say, if you repay the loan next month, you need to repay seven taels and two cents to pay off the debt."

After that, it is the interest rolling, which increases a little according to the three-point interest every month, and the interest of about one or two taels at the time of the autumn harvest, and the interest of about two or three taels of silver after a year, and the total amount of about ten taels. Uncle has to think about it, is he really going to be in debt like this? ”

Everyone had to continue to worship Fang Yingwu's counting skills, and it is estimated that now Fang Yingwu said that one plus one equals three, and some people believe it. But when Fang Qingtian heard these figures, he only felt that his head was incomparably bigger.

Although he couldn't count the numbers, he also knew from experience that the rations of a family of three required four acres of land, and other than that, income was the income. According to this calculation, if his annual income is barely enough for interest, where can he pay off the debt of seven taels of silver with interest?

Thinking of this, Fang Qingtian couldn't help but shout angrily: "You deceive people too much!" ”

The others, for some reason, burst into laughter. This Fang Qingtian is too greedy, desperately trying to take advantage of more, but today he can be regarded as being miserably tricked by his nephew, and now he is neither left nor right, and it is estimated that his intestines are repentant.

It's just that all the relatives don't understand, that Fang Yingwu grew up in the village since he was a child, and he didn't show any talent, how could he be ten times smarter than before overnight? Could it be that there is really a deed of breaking through the spiritual aperture?

No matter how brazen Fang Qingtian was, he couldn't resist the laughter of so many relatives of the same clan, "I am willing to cede one mu to offset the seven taels of silver." ”

Fang Yingwu said sarcastically: "The matter of the transaction, you need to ask me to wish, this time you are willing, but the little nephew is unwilling." Uncle, you said that one mu can be counted if it offsets seven taels of silver? The little nephew still thinks that one acre of land is not worth seven taels and needs to exchange two acres, what should I do? I heard that there are rules in the pawnshop outside, and it is always half discounted as collateral! ”

Give up two acres? Wouldn't that be four acres each, half to half? If this is the case, he will suffer a big loss, Fang Qingtian was so angry with his nephew that he vomited blood.

Fang Zhili saw that the two sides were getting more and more troubled, and coughed all kinds of things, attracting attention again, "The old man can't do anything, you can go to the lawsuit yourself!" ”

The trouble is dispersed here, everyone just watched a joke about Fang Qingtian, today he was really teased by his nephew and became a laughing stock in the village. While talking, I went to the fields and went to work.

Fang Yingwu returned to the house and thought twice about the separation of the family. On his side, he is also anxious to get rid of the entanglement of trivial matters, and since he has already been angry, why not agree to the division of three acres and five acres?

If he only gets three acres of land, it seems to be a loss, but in fact, it is not a loss. If his father Fang Qingzhi is a first-class student, he can get subsidies from the government if he is willing to study in the county honestly. This subsidy is called grain endowment, six buckets per month, which can be equivalent to the income of five acres of land in a year.

In this way, it can be regarded as a big house that sells four acres of land and gets an iron rice bowl worth five acres of land. And now Fang Yingwu has taken three acres of land from Gongzhong, which is equivalent to a total of eight acres of land, which is still a big profit compared to the five acres of land in the second room.

However, what made Fang Yingwu sigh was that this unreliable father was bound to borrow money to go out to study, and he had not received food from the county school for two years, so it was really no wonder that others.

It can only be said that the family is unlucky, and there is a loser father, and he can't help but think in his heart, if the affairs in the village are over, he must think of going to the county seat. The first is to see if we can get some of the grain that should have belonged to my father back, and the second is to open my eyes and inspect the situation of the county.

If he can really get some subsidies back from the county school instead of his father, then whether it is to repay debts or make ends meet, the money will be much more relaxed.

Unconsciously, Fang Yingwu woke up from his contemplation, and was suddenly dizzy, from last night to now, he has not eaten a grain of rice. But there is no food in his house, and he has turned his face with his uncle, where else can he go to eat?

This imminent problem is really sad to death, and this kind of mountain village will not even have a restaurant.

Fortunately, there is no endless road, and when Fang Yingwu was about to go up the mountain to dig some wild vegetables, he suddenly heard someone shouting outside the window: "Is Fang Gongzi inside?" ”

Fang Yingwu poked his head out, but there were three people outside. The one standing in front is the old slave of the Wang Dahu family in the neighboring village that I saw yesterday, and the one who made him very uncomfortable with a Fang Gongzi.

As for the two in the back, one is the little lady of the Wang family who is charming in appearance but actually pungent in appearance; Another one I don't know but have seen it, that is, when the ancestral hall was separated in the morning, I came to see the lively stranger from the outer village, short and fat, about forty years old, and I didn't know what to do with myself.

Whether it was a little beauty or a stranger, Fang Yingwu didn't pay too much attention, but his eyes were firmly attracted by the old slave. Because this man was carrying a large three-story food box, which was more tempting than anything else at the moment.

"I heard that you have no food to eat, so the slave family came to bring you food." Mrs. Wang said happily.

"Thank you." Fang Yingwu was absent-minded, and his attention was on the old slave who placed the food.

"You've heard about it this morning, and it's time for you to become able to pinch it, and some of your words make a lot of sense." Mrs. Wang warmly accosted her and said, "You've never been out before, have you?" How do you know that the rules of money lending in pawnshops outside are three cents of monthly interest? Even the slave father doesn't know this, my third uncle said, there are very few people with this kind of knowledge in the vicinity. ”

After being flattered by the beauty, Fang Yingwu was a little proud, and replied casually: "This is Xiucai who knows the world without going out, and has his own strategy in his chest." ”

Wang Xiaoniang suddenly realized, and her pink face showed excitement, "According to this, my family has never calculated these for you in terms of friendship, is it a broken rule?" Two years ago, your father borrowed thirty taels, according to the monthly interest rate of three cents, how much is it now? Did you calculate more than fifty taels? ”

Fang Yingwu cried without tears when he heard this, which was simply like lifting a stone and hitting his own feet. He is the number one debtor in the village, and he has driven the commercialization of usury in this simple mountain village, but in fact, he is the most unlucky.

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