Chapter 500 The Best of Both Worlds

Qiu Ping gritted his teeth, very unwilling.

He felt that if such a thing happened again, he would definitely not be deceived, but he didn't know why at the time, and suddenly he was fascinated by ghosts, and he was fooled all at once.

After Yin Jun listened to it, he felt a lot of emotion.

Qiu Ping’s loss is not because of greed. He is different from many people who want to get 20% rebates. He pays more attention to immigrating to Canada as soon as possible. Of course, it is better to have 20% rebates.

The sooner the matter is settled, the sooner he can prepare various matters and make the best plan for his wife and daughter's life there.

For a person like him, if one month passes earlier, there will be benefits of one month earlier. If you think more and prepare well, you will have a better opportunity. This will affect their Qiu family for decades to come. A big deal in Canada's development.

Unfortunately, his impatience affected his judgment.

Knowing that according to the normal procedures, it is impossible to complete the immigration procedures in such a crazy three months, but for the urgent hope in his heart, he made a desperate move and took out all the family's property.

Qiu Ping's monthly salary is more than 9,000 yuan, but it was only after the job-hopping in 1978 that his salary increased. It used to be more than 4,000 yuan.

Because of his good salary, Qiu Ping bought two houses in total, one big and one small, the small one was rented out, and the big one was used to live in by himself. Pay off the loan every month.

Xiangjiang's house is not cheap, and Wang Qiuwen doesn't go to work and concentrates on taking care of the family, so in fact, Qiu Ping's family background cannot be said to be very rich.

In addition, in order to socialize and maintain a decent life, Qiu Ping didn't spend much money, so naturally the cash he could save would not be too much.

This time, in order to complete the immigration process as soon as possible, he not only took out all the cash deposits in his family, but also mortgaged two houses that had just finished repaying the loans. Only then did he get together more than 1.2 million yuan.

Fortunately, since last year, Qiu Shuzhen's salary for filming is not bad. In addition to the catwalk of "The Star Knows My Heart" in Baodao, she earned more than 200,000 yuan for her family. Otherwise, the 1.2 million yuan would not be enough.

Now that Lu Chunrui made a donation and fled, Qiu Ping owed the bank more than 800,000 yuan at once. If he could not repay, the house would be confiscated by the bank, and they could only go out to rent a house.

However, Qiu Ping’s monthly salary is more than 9,000. Excluding household expenses and Qiu Shuzhen’s education expenses, the only thing he can save a month is 3,000 to 4,000. It will take more than ten years to pay off the principal, plus the high In terms of interest, at least 20 years!

Thinking that in the next 20 years, not only will there be no savings, but all of them will have to be used to repay the loan, the quality of life of the family will be greatly affected, and his wife and daughter will suffer along with him, Qiu Ping wants to cry. tears.

"The police have not made it clear these days, but it is estimated that it will be difficult to recover the money... Even if the person is arrested, the money will either be transferred or squandered." Qiu Ping said dejectedly, "It's all my fault, Why are you so impatient! Why are you so obsessed with ghosts? You clearly know that this is not normal, but you still insist on investing all your wealth in it!!"

Seeing that he was about to cry while talking, Qiu Shuzhen grabbed Yin Jun's clothes tightly in fright.

It's not that she didn't try to persuade her father before, but Qiu Ping, who was already going crazy, violently pushed Qiu Shuzhen away several times-a gentle and calm middle school teacher, once they fell into extreme depression, they usually lost control.

Fortunately, Qiu Ping has not reached the point of despair, and his salary is constantly rising. Although his family has almost nothing, but after the house is mortgaged, the valuation is still low. Wait until he pays off the loan on the small house in five or six years. , and then you can sell the small house, which will reduce the pressure a lot.

Looking at his wife and daughter, Qiu Ping told himself again and again that as long as he worked hard, life would get better one day.

Yin Jun nodded when he heard the words, "I can't blame you for this matter. Who knew that such an old brand immigration company would cheat people like this? What we have to do now is to ignore the past and think about what to do in the future."

"How do I do it? I'll go to work honestly, and when I'm resting, I'll see if there's any chance to earn extra money, and try my best to pay off the debt." Qiu Ping said.

"I also want to find a job..." Wang Qiuwen, whose eyes were already swollen from crying, said timidly.

"How many times have I told you? How much money do you earn at work? What do you do?" Qiu Ping glared at his wife, "Doudou doesn't need someone to take care of her anymore? You don't need to take care of a lot of things at home? You’re not dead, you don’t need to be like this!”

Wang Qiuwen had obviously argued with Qiu Ping about this matter, and seeing Qiu Ping's fury again, she could only keep her mouth shut.

Yin Jun understood Qiu Ping's mentality very well, but he couldn't agree with his actions.

A man is the pillar of a family, and he is nothing on weekdays, but once something important happens, the head of the family must stand up to prop up the family and prevent it from collapsing.

Now that the Qiu family is in trouble, Qiu Ping should work hard to recover the losses on the one hand, and on the other hand, he should be calm and cheerful in front of his wife and daughter, and not infect his wife and daughter with negative emotions—women are inherently weak Yes, the mentality is also easy to be weak, so if men want to vent their temper, they tend to be hurt more deeply.

Yin Jun didn't know if this happened to Qiu Shuzhen in her previous life, because after her debut, there were basically no gossip about her family, so Yin Jun certainly didn't know about it.

But since he met him in this life, Yin Jun couldn't ignore it.

After pondering for a while, Yin Jun said: "Uncle Ping, Aunt Qiu, what the police said is true, at least in a short period of time, we can't expect to recover the money from Lu Chunrui. The most important thing now is to see how Overcome the current difficulties. Just now, Uncle Ping, you mentioned that the bank’s loan interest is very high, and you are using a mortgage loan, so the most important thing is to repay this part of the money, otherwise you will suffer a big loss in the future. "

In 1978, Xiangjiang's preferential loan interest rate was 6.68% on average, while the average building mortgage loan interest rate was 10.62%.

But in 1980 of this year, Xiangjiang's real estate continued to rise rapidly, which led to a rapid flow of funds to the real estate market, which caused a shortage of funds for banks.

Under such circumstances, the bank's preferential loan interest rate has been gradually canceled, and the average has risen to 11.37%. For ordinary people like Qiu Ping, the annual interest rate is as high as 15%, which is extremely high.

But this is not the highest.

By the end of next year, when real estate was at its craziest, Xiangjiang’s prime interest rate soared to a historically high level of 20%, and the mortgage rate even rose to 21%, the highest ever recorded.

Remember, this is still the prime rate!

In fact, at that time, you didn't have 30% interest, so you couldn't take out a loan at all.

This is the crazy age, crazy Xiangjiang!

So, in fact, Qiu Ping really had nothing to worry about.

As long as next year comes, the two houses in his hands will skyrocket by at least 50%.

At that time, after he directly borrows money to repay the loan, he will sell the big house, pay off all the loans, and then own the small house again.

Of course, Yin Jun naturally didn't want Qiu Shuzhen to suffer, at least not to make her quality of life too bad.

In his thoughts, Yin Jun asked again, "Uncle Ping, do you think your current salary is enough to repay the loan without reducing the quality of life?"

"How is it possible?" Qiu Ping smiled wryly, "Even if I take a few cram schools on weekends and winter and summer vacations, the increase can only be about 30,000 a year at most, and it can be calculated at most 150,000 a year. The family's expenses are not small, no matter how frugal , the most I can save is 100,000 yuan. I have to pay back the loan of more than 800,000 yuan plus interest for at least 10 years. If I want to pay it off in seven or eight years, I have to work harder."

Wang Qiuwen next to her gritted her teeth, "Husband, if I pay more attention on weekdays, I can save a little."

The couple is encouraging here, and Qiu Shuzhen couldn't help it anymore, "Daddy, Mommy, and me! If I go to cram schools less, I can definitely earn 200,000 yuan a year!"

"You?" Qiu Ping shattered her sweet dream without hesitation, "Don't tell Daddy about this, going to school is your duty! No matter how hard Daddy is, he won't let you delay your studies!"

"But..." Qiu Shuzhen blushed, "Shouldn't I contribute more to the family? Don't underestimate me!"

At this time, Wang Qiuwen remembered that her daughter is also a well-known little star. After performing in "The Star Knows My Heart" last year, she earned 200,000 yuan just by going to Baodao for a show.

Although this is already equivalent to more than half of the money she earned in more than a year of acting, but if there are a few more shows, the loan can be paid off by her daughter alone!

She doesn't want her family to prosper now, she just wants to pay off the debts in three to five years, even if she doesn't have any savings to start over.

Looking at her husband with a firm face, Wang Qiuwen moved her mouth, but still didn't dare to speak.

She knows her husband's literati habits, and her daughter doesn't need to be rich, but she must be literate and learn enough knowledge.

Moreover, Qiu Ping looked down on actors, thinking that they were all actors, and he had nothing to be proud of.

His daughter is now acting in movies and TV series, saying it is her interest, but Qiu Ping is not very willing, but he knows that Yin Jun is nurturing his daughter, and he also hopes that her daughter's holiday life will be rich and colorful, and he can learn something in the process of acting. That's why Qiu Ping reluctantly allowed Qiu Shuzhen to be a young actress.

Seeing that everyone stopped talking, Yin Jun touched Qiu Shuzhen's little head, and said in a harmonious voice: "Doudo, mom and dad also have their own considerations. If you stop studying, there will be many things you don't understand when acting in the future." Oh! Just follow the old way, and shoot movies and TV shows when you are free during the holidays... Don’t worry about family matters, brother will help you solve it, do you believe brother? "

"Um!"

Although Qiu Shuzhen was not so satisfied with Yin Jun's statement, she tapped Fen Zhen earnestly, "Believe it!"

"That's good!"

Yin Jun laughed, and turned to Qiu Ping and said, "Uncle Ping, if you really want to make money, then I just happen to have a job here, which is very suitable for you to display your talents. I wonder if you are interested in giving in?"

"Your side?" Qiu Ping was taken aback, "You also want to run a school?"

He thought it was a little funny, he was a teacher, how could Yin Jun ask himself to help?

Do you think running a school is easy?

Qiu Ping also knew that Yin Jun was very rich, and the mere loan of more than 800,000 yuan was not even a single hair in Yin Jun's eyes.

But if it was just a charity, Qiu Ping would definitely not be willing to accept it.

"No, it's not the school." Yin Jun waved his hand, "I have a very important matter here, and I want to entrust a reliable person to do it."

"I don't know anything except teaching Chinese." Qiu Ping quickly stated his bottom line.

"I just want to find a teacher to teach Chinese knowledge to a group of employees in my company, talk about the past and the present, so that they can understand the glorious history of our country, and let them prepare for themselves in this country with a long history and Be proud of a country that destroys culture!" Yin Jun said seriously.

"You really want me to teach Chinese?" Qiu Ping's eyes widened, "Which staff are you teaching?"

"I hired a lot of people from Tianshuiwei, and most of them are from the mainland." Yin Jun said, "They, including their wives and children, basically have no knowledge and no understanding of the domestic incident. The cognition of the brilliant civilization of the whole country. I am very dissatisfied with this, I must let them listen and learn more!"

Qiu Ping looked at Yin Jun in a daze, thinking that Yin Jun had eaten too much to support himself, but looking at Yin Jun's solemn eyes, he knew that he was not joking at all.

Naturally, Qiu Ping would not understand, this is one of Yin Jun's policies to let his employees increase their sense of identity with "I am a descendant of the dragon".

We have common characters, ancestors, and cultures, and these are the important hubs that connect each other. With these things, Japan's ridiculous prediction of "China will be divided into six countries" is simply a fool's joke and an idiot's behavior.

Our ancestors walked all the way down from the Loess Plateau, and the territory has expanded to such a huge extent. If it is not limited by natural conditions such as the desert in the west, the sea in the south, the rainforest in the southwest, and the ice field in the north, it will continue to expand. The huge area can often be unified after the turmoil. The culture and sense of identity inside play a vital role.

Yin Jun was born in the 1990s. Even though he and the people around him are orphans and have no relatives, they definitely regard themselves as Chinese people. They live in this country and hope that the country and people can live better.

This is also an important reason why Yin Jun, after traveling for 40 years and coming to Xiangjiang, also wanted to earnestly help the motherland, which is still poor and backward, to become stronger.

But the people born in the 1950s recruited by Yin Jun are a little different.

They basically did not receive a complete education. What is remarkable is that they graduated from elementary school. Many of them could not even read a word, let alone read such literature as Qianjiawen, Disciple Regulations, and Three Hundred Tang Poems.

Once you have not been exposed to the ancient culture of Huaguo, your sense of identity with this country will weaken. Otherwise, why are there so many ancient articles and deeds in Chinese textbooks?

With money alone, you can win over these people for three to five years, seven or eight years, but after they are in Australia and accept the habits and culture there, you dare not say that you have to be divorced from Yin Jun, but they will definitely become one. a pure employment relationship.

They themselves will become a mess of loose sand, and maybe they will move towards Australia and cause some troubles for Yin Jun.

Only by letting them identify with this country, even in Australia, they always think that they are the descendants of the dragon, can they be incompatible with the people of Western Australia, and become Yin Jun's important force while being huddled together and full of cohesion.

Therefore, Yin Jun has long been thinking about offering them a Chinese class in addition to English and technical classes.

Now Qiu Ping's side is an opportunity.

It is too complicated to teach those employees, they must not understand. Qiu Ping, the Chinese teacher in the middle school, happens to be familiar with Chinese in elementary and junior high schools, so he can teach them these simple and easy-to-understand cultural knowledge with ease.

Besides, Yin Jun also knew that Qiu Ping was a very good Chinese teacher, otherwise he wouldn't have been poached by a private school.

Such a candidate, or someone who knows the basics, Yin Jun really couldn't wish for.

"You don't need to tell them any profound things." Yin Jun said in a harmonious voice, "teach them the basics of character recognition, reading, and writing, and then tell them about the 5,000-year history of our country and let them know what's inside. The ups and downs, the ups and downs, the ups and downs... If you are willing, Uncle Ping, you can pack up and come here. You teach 6 classes a day, with two days off a week, but there are no winter and summer vacations within three years. I will give you according to the class leader level of Kirin culture. Salary, 12,000 a month, 16 months of salary a year, if they learn well, I will also give bonuses. The annual salary increase is higher than the average increase of the same company.”

Qiu Ping felt his heart move.

He is now paying more than 9,000 a month. Although he is paid during winter and summer vacations, he only receives 12 months a year.

Now that he is in desperate need of money, such leisure is not suitable for him.

If Yin Jun can really give such a high salary, which is close to 200,000 a year, why can't he go?

Wang Qiuwen's face was also full of excitement, and she looked at her husband expectantly, hoping that he would agree immediately.

If it was the first two years, she would have ignored Yin Jun's invitation at all, and felt that it would be inappropriate for such a private person to teach those adult students.

But now Yin Jun is different. His net worth exceeds 2 billion Hong Kong dollars, and he is definitely one of the ten richest people in Hong Kong. If my husband can work with him, is he afraid of suffering?

Besides, even if Yin Jun doesn't care about Qiu Ping, he definitely cares about his daughter's feelings.

Wang Qiuwen can tell that Yin Jun not only loves Qiu Shuzhen as a close little sister, but also treats Qiu Shuzhen as a younger sister.

Qiu Shuzhen also blinked her big eyes, looking at Yin Jun happily, and then at her father seriously.

She also hopes that her father can agree that if her father can work in her brother's company, she will not be bullied!

"My side..."

Qiu Ping hesitated for a moment, "Let me think about it... Well, give me three days, and I will give you an answer within three days!"

"good!"

Yin Jun nodded slightly.

He could tell that Qiu Ping was actually inclined to resign, but he had a literati temper, so he couldn't agree right away, lest he be worried that others would say that he was too utilitarian.

Qiu Shuzhen is a big kid, and she also saw her father's thoughts, smiled excitedly, and leaned on Yin Jun's chest.

"Thank you, brother~~"

The little girl said in a voice that only the two of them could hear.

Originally, in Qiu Shuzhen's heart, Yin Jun was already an omnipotent superman.

Now Yin Jun has solved the biggest crisis in his family with two or three strokes. From then on, in Qiu Shuzhen's heart, he is like a shining golden fairy!

...

(Close to 10,000 words, enough for others to update three times and four times. Don’t think I’m not working hard! In addition, every Friday is the worst time to subscribe. Think about you and go to Chisa, I’m still writing books seriously , so envious!)