God of Life

Watching the [Habit Cultivator] shining brightly in the mall, as if within reach, but actually out of reach, that kind of depression half-diluted the joy of getting the system.

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

However, it's only 8 hours now.

Wang Yan is really right.

My mother has a deposit of about 100,000 yuan, but she has no reason to borrow it, and she has no reason to withdraw it in time. She doesn't even have online banking.

Of the rest of the students, only He Meng and Qiu Xiaogu could take out 30,000 yuan at any time, but they were not familiar with them.

Otherwise...Ask He Meng, do you need any services?

Pulling open the underpants, peeking in, silently giving up.

It's neither a white jade pestle nor a unicorn dragon, so it's worth less than 30,000 yuan.

After thinking about it, there was really no other way, so Wang Yan had to turn off the system and stop thinking about it.

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

I need to find something to do to ease my mood.

Wang Yan tilted his head to think about it, opened Taobao again, and prepared to study the air conditioner.

The temperature in the central region this year is too abnormal. There is almost no snow in winter and no rain in summer. The high temperature of 35 degrees has lasted for nearly a week. It is said that the highest temperature will soon reach 40 degrees in the next few days.

Parents felt sorry for the money and couldn't bear to buy an air conditioner. Wang Yan thought, he had to install one for the two of them before they went to college, otherwise it would be too uncomfortable to sleep at night.

When I have more money in the future, I will buy them a building to live in, prop up the home in advance, and then think about spending money to pretend to be aggressive, otherwise I will always feel guilty.

It's just that it's not easy to find an excuse...

The thought of explaining where the money came from to his parents made Wang Yan feel dizzy, and it felt more torturous than the college entrance examination.

Just as he was worrying, the door of the courtyard next door suddenly rattled and rattled. Soon, a young man in his 20s passed by the courtyard wall. He was Wang Yan's neighbor, Wang Yunxi.

"Brother Xizi, are you back so early today?" Wang Yan greeted politely.

"Yo, Xiaoyan, why didn't you go out to play?"

"As far as today's temperature is concerned, who is going out to play?" Wang Yan complained.

"It's not a big deal, the weather is so damn hot!"

Wang Yunxi grinned and nodded, took off the white shirt on his body and twisted it, sweat splashed all over the floor.

"Xiaoyan, wait for brother."

Wang Yunxi rushed into the room in two steps, took out half a watermelon from the refrigerator, inserted two spoons, climbed over the wall to Wang Yan, and put it on the table.

"Come, eat watermelon!"

Wang Yan was not polite, picked up a spoon and dug a large piece.

Wang Yunxi is not an outsider, but a relative of the Wang family who just came out of the fifth service. According to their seniority, they even have to call Wang Yan an uncle.

It's just that after living in the city for a long time, everyone didn't pay much attention to that. Wang Yunxi still called Wang Yan's father the third master, but they had different opinions with Wang Yan.

After eating two mouthfuls of watermelon, it was sweet and refreshing, and Wang Yan's body heat disappeared immediately, making him extremely comfortable.

【Ding! You tasted delicious watermelon, triggering a mysterious reward]

[You get a skill and open your personal panel because of it]

Fuck!

I have never bought a lottery ticket in my life, so I am so European? !

It was such a surprise that Wang Yan couldn't believe it.

1% probability, hit with one hit, can you believe it?

So much so, could it be a skill that... can bring in thirty thousand dollars? !

Quickly open the personal panel, and in an instant, a 3D little Wang appears in the new interface.

[Host: Wang Yan]

[Basic attributes: strength 64, constitution 63, agility 68, intelligence 65]

[Skill: Foodie Sensation]

Foodie Aura is a particularly interesting skill.

However, it has nothing to do with money.

Wang Yan was somewhat disappointed, so he continued to read.

But gradually happy again.

The comment is: Passive skill, you can vaguely perceive the quality of the ingredients and pick out the best of them.

Wang Yan groped for a long time, and finally realized: In the future, you don't have to be afraid of not being sweet when picking watermelons.

It must have thin skin, lots of water and good taste, isn't it powerful? !

Although it had nothing to do with money, Wang Yan was still very happy.

In the final analysis, making money is to enjoy life, so enjoy your foodie skills!

Is Papa Ma rich?

You throw a cart of watermelons to Papa Ma and ask him to pick the best one, do you think he has any tricks?

Hey, no?

Wang Yan is really a silly kid who is easy to be satisfied. He felt that he had acquired a magic skill to beat the richest people in the world, and the depression he had just dissipated immediately.

Next, look at the basic properties.

The system has notes——

For adult males over the age of 18, the average value of attributes is 60 points, and the limit is 100 points.

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

Seeing this, Wang Yan only felt a headache.

I'm really ordinary. None of the items are below the pass line, and none of them have reached the standard of excellence.

In fact, according to the normal distribution, people like Wang Yan are the vast majority of all living beings.

Because the evaluation of each attribute is very complicated and strict.

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

Some people have very good heart and lung endurance, but their endurance in bed is average, and their physical fitness is not high.

In short, everyone has their own advantages and disadvantages. The world as a whole is still composed of ordinary people. Only one genius is born in hundreds of years. Just think about it.

...

Wang Yan dug another large spoonful of watermelon, and his heart suddenly moved.

"Brother Xizi, I remember what loan company you work for, right? What's going on?"

Without raising her head, Wang Yunxi said casually, "Small credit loans. Never heard of them?"

"No." Wang Yan shook his head, but he became more and more interested in his heart, so he asked persistently, "Brother, tell me."

Being idle is idle, so Wang Yunxi treated it as nonsense and talked to Wang Yan about science.

Credit loan is a loan that does not require collateral or guarantee, and uses personal credit as a guarantee for repayment.

The lending range of microcredit loans is generally between RMB 50 million and RMB 100,000.

With the liberalization of financial reforms, microcredit loans are sweeping across the land of China at an extremely fast speed.

Wang Yan usually doesn't pay much attention to the outside world, but occasionally reads some news on the Internet, it seems that campus loans are making a fuss, so he has some impressions of small loans.

After listening to Wang Yunxi's explanation, Wang Yan finally understood what was going on.

It can be described in nine words: black-hearted usury with low threshold.

Doubling in three years is considered conscientious, and companies with higher interest rates can double in two years.

"That's ridiculous... There is still someone borrowing this thing?"

Wang Yan couldn't figure it out, but Brother Xi Zi curled his lips in disdain: "There are quite a lot of people who borrow it! Some people have bad credit and lack of money. If they don't borrow this money, where can they go shopping?"

"Credit inquiry?"

"It's the personal credit report issued by the People's Bank of China, which shows whether you have any loans, breach of contract, etc. After you graduate, you need to have good credit to buy a car, buy a house, and get a loan."

Wang Yan suddenly realized: "Like Alipay Sesame Points?"

"Yes." Wang Yunxi nodded.

"We only check credit for small loans, not credit. After borrowing money, even if you don't pay it back, at least you won't get trouble on your personal credit report, and it won't affect your regular loan in the future."

Wang Yan was stunned: "Wouldn't it be that many people would renege on their debts?"

"Otherwise, why do you think the interest rate is so high? Isn't it just to cover bad debts with high interest rates! There must be some people who don't pay back the money, but as long as the bad debt rate is controlled, the company will still make a lot of money."

"The company makes a lot of money, and we make a small fortune, haha!"

Wang Yunxi laughed, and raised a finger: "Last month, brother earned this amount!"

Wang Yan's eyes lit up, and he blurted out, "Brother, lend me thirty thousand!"