God of Life

Watching [Cultivator of Habits] shine in the mall, like reaching out to hold hands, in fact, it is unreachable, kind of depressing, so that the delight of the system is halved.

30,000 yuan is actually nothing. In 11 days, Wang Yan himself can save enough.

But now it's only eight hours.

Wang Yan really didn't do anything.

Mother had about 100,000 deposits in her hand, but there was no reason to borrow them, there was no reason why they could not be picked up in time, and she did not have Internet banking.

The rest of the students, only He Meng and Qiu Xiaogu could give up 30,000 yuan at any time, but they didn't know each other well.

Otherwise... Ask Ho Meng, what kind of service do you need?

Pull open the slits and look inside and give up silently.

Neither white jade pestle nor unicorn dragon, worth 30,000.

Wang Yan had to shut down the system and stop thinking about it.

It shouldn't be ours, wait for the next product...

I need to find something to relieve my mood.

Wang Yan twisted his head and turned on Taobao again, ready to study the air conditioning.

Temperatures in the central part of the year have been unusual, with little snow in the winter and no rain in the summer. High temperatures of 35 degrees have lasted nearly a week and are said to reach a high of 40 degrees in the coming days.

Mom and Dad couldn't afford to buy air conditioning. Wang Yan wondered why they should both have one before going to college. Otherwise, it would be too hard to sleep at night.

After spending more money, buy them a building to live in, support the house in advance, and then think about what Bigfoot is paying to do, otherwise you always feel guilty.

It's just that excuses are not easy to find...

Wang Yantou felt more tortured than the college entrance exam when he thought about explaining to his parents where the money came from.

Being sad, the door of the next yard suddenly burst into chaos. Soon, a young man in his 20s passed by the yard wall. He was the neighbor of the Wang Yan family, Wang Yunxi.

“Yoshiko, are you back so early today?” Wang Yan greets politely.

“Yo, why didn't you go out and play? ”

“At today's temperature, who's out and who's playing?” Wang Yan spit trough.

“It's not that bad. It's such a hot weather! ”

Wang Yunxi nodded his head, pulled off his white shirt and twisted it. The sweat fell on the floor.

“Just a moment, brother. ”

Wang Yunxi stepped into the house, pulled out half of the watermelon from the refrigerator, inserted two spoons, rolled over the wall and came to Wang Yan and laid it on the table.

“Come on, eat watermelon! ”

Wang Yan was polite. He picked up the spoon and dug a huge chunk.

Wang Yunxi is not an outsider. He is a relative of Wang's family who has just come out of five clothes. On a progeny basis, he even has to call Uncle Wang Yan.

It's just that we've been living in the city for a long time. Everyone doesn't really care about that. Wang Yunxi still calls Wang Yan's father Third Master, but he talks to Wang Yan separately.

Eat two watermelons, sweetness, cool heart, Wang Yan's body heat has subsided, comfort is unnecessary.

[Ding! You taste the delicious watermelon and trigger the mystery reward]

[You get a skill and open a personal panel as a result]

Oh, shit!

I've never bought a lottery ticket in my whole life. Was my brother so European?!

It was such a fucking surprise. I couldn't believe it.

1% chance of hitting a hit. How dare you?

So much so, would it be a skill... to get $30,000?!

Open your personal panel and instantly, a 3D Wang appears in the new interface.

[Host: Wang Yan]

[Basic Properties: Power 64, Physical Structure 63, Agility 68, Intelligence 65]

[Skill: Food Inspiration]

Food inspiration is a particularly interesting skill.

But it's not about the money.

Wang Yan was somewhat disappointed. He continued to look at it, but gradually became happier.

Note: Passive skills, you can blur perceived ingredients and pick out the best of them.

Wang Yanxue touched it for half a day and finally realized: Don't be afraid to pick watermelons in the future.

How delicious must the leathery water taste, is it strong?!

Wang Yan was particularly happy, even though it had nothing to do with money.

After all, to enjoy your life, enjoy your food skills!

Is Papa Ma rich?

You threw a wagon of watermelon at Ma Daddy and let him pick the best food. Did you see what he did?

Hey, hey, no?

Wang Yan was really a particularly satisfied silly child. He felt that he had got a trick to hang the world's millionaires and disappeared when he was feeling a little depressed.

Next, we'll look at the basic properties.

The system has annotations ——

Adult males over 18 years of age have an average attribute value of 60 points and a limit of 100 points.

60 points average, over 70 excellent, over 80 genius, over 90 genius.

Wang Yan only felt pain in his brain when he saw this place.

I'm so fucking ordinary, none of them are below the pass line, none of them meet the standards of excellence.

In fact, according to the normal distribution, people like Wang Yan are the vast majority of people in the arts and crafts.

Because the assessment of each attribute is very complex and rigorous.

Some people have a good memory, but the logic is slightly poor, or the spatial imagination is slightly weak, and the total intelligence score is not high.

Some people have excellent cardiopulmonary endurance, but the beds have average endurance and are not of high health.

In short, everyone has their own strengths and weaknesses. The world as a whole is made up of ordinary people. It took only a few hundred years to come up with one, just think about it.

……

Wang Yan dug another large spoon of watermelon and suddenly moved in his heart.

“Yoshiko, I remember what loan company you worked for, right? What's going on? ”

Wang Yunxi didn't lift his head. “Credit microfinance. Never heard of it? ”

“No.” Wang Yan shook his head, but his heart became more and more interested. Baba asked, “Brother, tell me. ”

Wang Yunxi is also idle. Wang Yunxi pretends to be idle, like Wang Yankop.

Credit loans are loans that do not require collateral, do not require collateral, and have personal credit as a guarantee for repayment.

The loan range for small credit is generally between 50 and 100,000 yuan.

With the liberalization of financial reform, micro-credit lending is sweeping the land of Shenzhou at an extremely rapid pace.

Wang Yan usually doesn't pay much attention to the outside world, but occasionally he sees some news on the internet. It seems that campus loans are boiling, so he has some impression of small loans.

Wang Yunxi explained that Wang Yan finally understood what was going on.

Nine words can describe it: a low-threshold black-hearted high-interest loan.

Even if it doubles in three years, a company with a higher interest rate can double in two years.

“That's ridiculous... who borrows this stuff? ”

Wang Yan couldn't figure it out, but Xizi didn't hesitate to say: “There are a lot of borrowers! Some people have bad credit and need money. How can they get away with it without borrowing it? ”

“Credit? ”

“It's a personal credit report issued by the People's Bank, indicating whether you have a loan or breach of contract or not. When you graduate, you need to have good credit for buying a car to buy a housing loan. ”

Wang Yan suddenly realized: “Like Alipay sesame? ”

“Yes.” Wang Yunxi nodded.

“Our small loans are only for credit, not for credit. After borrowing the money, even if you don't repay it, at least you won't be able to get it on your personal credit report, and it won't affect formal loans in the future. ”

Wang Yan was stunned: “Wouldn't there be a lot of people who would fall for it? ”

“Why else do you think interest is so high? Isn't that to cover bad debts with high interest rates? Someone's definitely not paying back the money, but the company still makes a lot of money by keeping the bad debt rate under control. ”

“The company makes big money, we make small fortunes, haha! ”

Wang Yunxi smiled and put up a finger: “Last month, Brother earned this number! ”

Wang Yan's eyes lit up and said, “Brother, lend me 30,000! ”