Dream Life

Three years passed, but in someone we had ties to, there was a huge change between realtor Douglas McCloud and informant Cy Furman as an adventurer.

First of all, McCloud, but he's not just in real estate, he's got his hands on finance and he's had success.

He started a low-interest lending business with his adventurers. To tell you the truth, I'm chewing one on this one.

At the end of the two years, I visited his Chamber of Commerce to ask him to manage the house during the summer vacation, but at that time I was consulted on a new business.

As far as I'm concerned, I had no reason to shoulder him, and I didn't mean to be consulted, but he pleaded many times and ended up rooting for me.

Trouble. What I suggested was a loan to an adventurer.

Initially, for asking me to borrow my wisdom, McCloud reluctantly lent money to a volatile income adventurer. In common sense, lending money to adventurers who might lose their lives is risky.

Moreover, when it comes to what can be used as collateral, there are only items of armament, which can hardly be recovered under circumstances that would cost lives, and since armaments are expendable, they are of low value as collateral. If you think about it that way, reluctance to lend money to an adventurer is a very normal feeling for a legitimate merchant.

But my idea of being an adventurer isn't the same.

Firstly, one of the causes of the adventurer's susceptibility to losing his life is equipment deficiencies. Young adventurers in particular will have no funds and will enter dangerous forests and mountains with poor equipment. Like a game, I wish there were enemies out there that fit the player's level, but reality isn't that sweet.

Sometimes powerful demons appear on the fence, even where you think there is less danger. Danger always exists, even where inexperienced adventurers go, as in the past the giant mukade Giant Centipede came out shallow in the woods.

At that time, with some equipment, we might be able to retreat without incurring major injuries.

The risk of injury is always present, even if it is a demon suited to our own power. If you can hang money on your protective equipment even at this time, the risk of injury will be greatly reduced.

Fear of injury is due to the high cost of treatment by a healer. If you suffer injuries, even to the extent of a fracture, you lose your savings just because of the cost of treatment. I wish I could pay for the treatment yet, but if I can't, I'll leave it to natural healing, and my income in the meantime will be interrupted.

They say young adventurers in particular save less and are pretty tough to just not get a request for a few days. There was a guardian named Liddy, and I don't know what it's like around here.

So I've always wanted to change this situation.

Even the Adventurer Guild may lend money to newcomers, but interest rates are quite high. It's about 30 to 40 percent per annum, and it's worth a thousand C (krona), a million yen. They say this is determined by the reason that a third of the money lent by the guild cannot be recovered, rather than by the fact that the guild wants to make money. As a guild, too, we don't have enough budget to make the lending of funds unlimited, at least to say that's all we have to set interest rates to keep the deficit out.

repayment, but they usually return it in bulk, or in several instalments, within a year, but still pretty tough on seventeen or eight youths. You can't make savings, especially if you're a jerk with a sense of money, and repayment will be delayed. This is surprisingly common.

I suggested the following to McCloud:

First, negotiate with the Adventurer Alliance and build a system that can be deducted from the reward. Doing so facilitates repayment in instalments, although irregular.

As for the deduction, however, taxes and guild fees are also collected by deduction, so it is not a rush as a system.

With regard to interest rates, however, a ceiling of twenty percent per annum shall be established, which shall be added in bulk at the beginning. It will be deducted from it, and if there is any balance where the year has elapsed, multiply it by the interest rate and collect it again. The system is similar to the so-called mortgage, but this system is characterized by significant advantages for both lenders and borrowers.

Firstly, the lender, but can secure a profit for the annual interest rate. Earlier recoveries can be reinvested, which makes it possible to make effective use of funds. The risk of a loan down, but unless it fails on the first request, the recovery is rarely zero. It is also advantageous that even those who run out of money on hand, if they are capable as adventurers, can recover it in a stable manner.

The next advantage of the borrower is the low interest rate and the simplification of repayment through a deduction system. Especially for young adventurers who have a vague sense of money just out of society, the system of debt being automatically repaid is groundbreaking. If you decide to automatically turn 20% of your rewards to repayment, you can repay your debt even if you use up the amount you receive. And if you can borrow again after full repayment, it will be easier to update your equipment. A system that allows you to increase the maximum amount you can borrow if you move up to a certain level will allow you to update equipment commensurate with your abilities.

And keep a low interest loan from the Adventurer Guild added to the advantages of the financier side. If you borrow from the guild at about five percent per annum and lend it to adventurers at twenty percent, that alone will lead to profit. Of course, fifteen percent of Rizaya cannot be secured simply because of the administrative procedures and other expenses involved, but its own funds are not at risk.

On the other hand, the Adventurer Alliance also benefits.

Originally, the risk of lending remains unchanged due to the existence of a financing system. Profits for interest rates are lost, but they are not a major obstacle because they are not a system for making profits. Conversely, because administrative procedures are outsourced (outsourced), expenses will float.

That's all I've explained, McCloud has been motivated by Russia. And he worked vigorously on the Doctus branch of the Adventurer Guild, finally becoming the exclusive contractor of the branch.

In the beginning, the system, which is automatically deducted from the amount of the reward, was distant from the adventurers, but more borrowers at once where the guild declared that it would guarantee the reliability of this system.

As a guild, the safety of the adventurers was a concern, so we actively supported this system in favor of updating our gear.

Where there has been an explosion of borrowers, he said there has been talk within the guild that the guild itself should run a lending system in an attempt to secure a profit for the interest rate. But I couldn't get enough personnel to do the cumbersome calculations, and I seem to have declined.

Meanwhile, the McCloud Chamber of Commerce taught employees the simple accounting knowledge I taught them, so I was able to respond immediately. Further after his exclusive contract with the Adventurer Guild, he hired many young employees through the Commercial Guild, and he has also granted them accounting knowledge.

The introduction of the same system is now under consideration in Periclitle, where the general headquarters of the Adventurers Guild is located, and the McCloud Chamber of Commerce has been named as its exclusive provider. Furthermore, they have created a similar lending system within commercial guilds, providing loans to small and medium-sized vendors. The McCloud Chamber of Commerce is emerging as a financier, not only in Doctus, but also in Periclitle.

I wasn't going to get paid by the McCloud Chamber of Commerce for this.

I don't think so, but the reason I didn't get paid was because I didn't trust McCloud. Because if he worked wrongfully, if he had been paid, I could have been held accountable too. What's more, I honestly didn't think he'd make it this far.

Even though McCloud said I'd be fine without pay, he said he'd be rewarded to me after the success of the business and brought some gems. Upon appraisal, the total value was 50,000 C (krona), about 50 million yen.

This is not just because he “likes people”. The loose McCloud tried to capture me in order to extract further ideas from me and not even give them to other vendors.

And his lack of leakage is that he brought the jewels. He also asked Liddy and the others to give it to him and bring him five gems.

Liddy had emeralds to match the color of her eyes, Beatrice had topaz to match the color of her hair and tail, Mel had ruby to match the color of her hair, and Sharon had sapphires and hateful performances to match the color of her eyes.

By the way, I bring Dan the same gems. McCloud seems to recognize Dan as one of my “mistresses”. I saw the gem - the diamond - and sighed as much as I could.

(Didn't the diamond mean “pure”? I don't know if that's what this world means, but it wouldn't be a gift to a same-sex mistress. Or do you hate it?

After I thought so with Chirali, I tried to solve McCloud's misunderstanding. But because Liddy pinched his mouth from the side saying, "If I had received it," McCloud seemed convinced that my “male" was true.

When he left, he complained to Liddy, "That's good. Because it gives me a corner," she said. Plus, "If you mislead me with that, I'll bring you Dan's share every time. That's not more profitable," he adds.

When I said I wouldn't be that kind of problem, I said, "It's okay. Because we haven't been here that long," he doesn't seem to care.

As usual, I can't keep up with Liddy's thoughts, but I do intend to leave this city with graduation, so I may not have to worry about what they say.

That's what I thought, and I didn't dare deny it, but just how well McCloud's information management was, there were no particularly weird rumors spreading.

(On second thought, wouldn't McCloud try to take me in and spoil my mood? You mean just the doer)

And that gem, but it was all just stone. It was a bare stone, Ruthstone, that was just cut and processed.

When I asked what accessories I would like, the four other people besides Dan have answered instantly as rings. Maybe it's a McCloud operation around here too. By the way, Dan replied that he had it as a stone. Secretly howling, I wondered what would happen to me if they told me to call it a ring.

I'll change the story, but about the other Cy Furman. Right now, I have a long-term deal with him. Through him, I made it possible to periodically check the information flowing into the city of Doctus.

And he also introduces him to Speaker Wargman - who was a senator at the time.

At the time, Worgman was thinking about his separation from Counsellor Isherwood and wanted to improve his own ability to collect information. Knowing that, I told Wargman about Cy's intelligence-gathering and analytical skills.

Of course, there's a reason for this.

The primary reason is rhino support. I won't be in Doctus until I graduate. I wanted him in my care to be active afterwards, and I let him make a pipe with the city's most powerful man, the council president. Of course, connecting with the powerful isn't all good. Even the connections that can be described as the blades of these blades believe that rhinos will be able to use them well, so I brokered them.

The second reason is to get Wargman's information through rhinos. Of course, not all of the rhinos can know about Wargman, but it would still be useful enough as a source of information.

The third reason is that I wanted Wargman to suggest that I had information or the ability to hold it about him. The point is, I was thinking about using rhinos as a restraint against Wargman.

If you ask me why I've done such a roundabout, it's because I still don't trust Speaker Worgman.

It's called McCloud, it's called Worgman, and you may think I'm suspicious, but I'm willing to spare my best efforts to protect myself and my people. To do this, I want to insure the anxiety element as much as possible.

Of course, it's not like he's been setting anything up against me, and there were no signs of it. But if you look at your value objectively, it doesn't necessarily mean that the loose Worgman won't come and “fit” me in on some occasion.

They say he overthinks talking around Liddy, but it's pretty nasty when he grabs something like weakness.

Worgman has a verse that overestimates my political part.

So far, his clear political enemies do not exist. But it's possible you're looking at me as a potential enemy. There is also the possibility of using me to try to eliminate new political opponents when they appear. I thought I'd send in a rhino to keep the pressure on.

Of course, the rhinos are asked to cooperate after honestly telling us about it. Connection with the chancellor is also a great opportunity for him if he looks to the future. Even though one adventurer is informal, having connections with the chief magician guild is of great significance. He seems to have decided to cooperate with me after understanding the matter.

Now they have regular work coming in from the Mage Guild, gathering adventurers who had to break their bodies and retire in the same way to form a team and hit on various intelligence gatherings.

I also help analyze the information before I recommend it.

As for reading about commerce and politics, it's because I'm still winning better, but rhinos have become fairly familiar with the knowledge around it lately, and it's time they don't need my help.

They're also talking about wanting to buy information from a commercial guild, and in time, his team might start an information company.

The most helpful thing about this was that I got a lot of information about my home village of Rasmore.

Without information from the rhinos, the Lockhart family would have been put in a very painful position. And his information was unexpected and had a huge impact on international politics.