I Am Not A Mage Lord

  Chapter 206 Advance Consumption

   "Now the points redemption store should be open, right?" Lynch asked suddenly.

   "Yes, but now the time is too late, and Lin Qi, you don't need to..." Liu Kai said in surprise.

  However, Lynch stood up resolutely and walked straight to the outside of the dormitory.

  He does not need it.

  But I am afraid that his group of partners need it.

   Lynch has gradually understood that wizards will never be alone.

  Before other people bet on him, they are all waiting for Lynch to grow up.

  No investment is greater than the return on investment.

  The timing of investment is one thing, and the timing of harvesting is another.

  Half a quarter of an hour later, Lynch's figure came out outside the points shop.

  During the day, most apprentices have come here to purchase most of the alchemy items and even magic items. It is not an exaggeration to say that they are completely wiped out. At this time, the store shelves seem a bit empty and scattered.

  The waiter on the night shift, Lu Ke, saw Lynch's figure, and his eyes lit up, "Student Lynch, are you planning to use your 100,000 points?"

  In order to quickly recover points and stimulate apprentices to spend as much as possible, the college invests itself, so the promoters of these points stores can get a consumption commission. Everyone is a master of bluffing and persuading, and they are successful in various fields of confusion.

   Lynch in front of him is holding a full commission of "100,000" points. At the same time, because of the college's regulations, this point must be used in the first place, and there will be no change once it is split.

  So this is a master who either doesn't spend it, but spends one hundred thousand gold coins!

  Linqi looked at the salesman who was smiling at the corner of his mouth, and his heart was full of smiles.

  The former Lynch did not know until he came to society that many seemingly unbreakable “rules” have room for bargaining.

  For example, when buying a house, sometimes some real estates are distributed to the intermediary channel, and he can buy it through the intermediary to get a lower discount, and even talk to the intermediary, so that the intermediary can rebate his commission.

  The wool is exhausted.

  If he really can afford to save "one million" points to buy the "Legendary Intelligence Headscarf", then this consumption is not just to find a promoter to spend it, but to negotiate the terms of the rebate.

  No matter how small the mosquito meat is, it is also meat.

   "The things I really want to buy don't have enough points." Lynch said straight to the point.

   just finished performing the "magic trick" cleaning up the hygiene, but did not respond, "Lin Qi classmate, you are joking, after all, you have enough--"

  In an instant, the girl's scalp was numb, and she almost couldn't fit her jaw.

  Not enough points.

  That means that what the other party wants to buy is the kind of existence with dozens of millions of points at every turn?

  At this moment, Luke almost fainted because of a fast heartbeat and lack of oxygen in her brain.

   "Then I don't know if I can serve you, Mr.?" The girl showed her biggest smile.

  Tonight, you have to serve the other party well when you post money!

  Lin Qi saw that the fish had taken the bait, and it was easy to do secretly. He took the opportunity to say, "So I can only use it for mortgage when I can't use the points."

"what?"

  Promoter Lu Ke was in a trance, and then showed a look of embarrassment.

"Mr. Lynch, this process will be a bit complicated. On the one hand, your collateral is similar to the real thing, and the points you mortgage are very low. On the other hand, the daily interest is not low, which is even more exaggerated than the interest on credit card withdrawals. "

   Lynch nodded, he naturally knew this.

  Credit card cash withdrawal interest is the same as Ma’s borrowing interest, which is 50,000 per day.

  It seems that 10,000 yuan per day is not much, but in fact, the annualized interest rate is 18.25% accumulated in one year.

  If you borrow 10,000, you can get back 12,000, which is a bit better than usury. You need to know that a 10,000 yuan deposit is only two hundred interest.

   However, the road to becoming rich overnight and going bankrupt is "leverage".

Borrowing is the most basic method of leverage. Housing loans are the largest amount of money most can borrow from banks and the largest leverage that can be used. In the past, countless people rely on the leverage of buying a house to become rich, and it has made the whole society even more rich. Advancing this concept.

Lynch, who has been exposed to the leverage of buying a house and also suffered from the loss of A-share leverage, naturally knows the pros and cons in this regard.

   "It's okay." He comforted, "I will sign the risk consent form later."

  Luke nodded. She has only one or two permissions per month for this kind of mortgage quota. As a big fish, Lynch is obviously impossible to miss, and the quota is naturally not a pity.

  She sighed, "I don't know Mr. Lynch, what are you going to use as a mortgage?"

   "And the collateral must be stored with us, this will definitely affect the performance of your camping, Mr. Lynch, please think twice."

  Facing the big clients in the future, Lu Ke is patient and considers for each other. If she can earn this money, let alone the mere suggestion, it’s okay to let her come to work as a temporary worker for a few days.

  Speaking, Luce looked past Lynch, who was already heavily armed.

  Holy Avenger, 120,000 gold coins.

  Flying wing cloak, more than 20,000 gold coins.

  Bone Robe, two thousand gold coins.

  Fireball necklace, three or four thousand gold coins.

  As for the "Endless Volumes" and "School Secret Gate Map" that Lynch did not take out, they all floated in thousands of gold coins.

"Because of the redemption, the mortgage is only one-tenth of the residual value estimate, so I suggest that Lin Qi you should mortgage your classmates privately. With your reputation, 80% of the mortgage residual value is not difficult to achieve. "

one tenth.

   Lynch couldn't help shaking his head when he heard the price.

  It can be redeemed in the future, so the mortgage price given is low.

  When it is dead, it is not redeemed, which is close to the true second-hand recycling valuation.

  He seemed to recall the pawnshops where he had passed by in Macau. There were many second-hand watches in them, and the prices were not expensive.

  Such as fifty thousand green water ghosts, thirty thousand blue balloons and so on.

  Most of the owners who left these watches lost their fortunes in the casino on the side, and then came here in exchange for new gambling money, and most of these people would choose to "get it right" and be full of confidence in themselves.

  But in the end, basically no one can redeem it, and even can only resell the "dangdang" to squeeze the final price difference between "dangdang" and "dangdang".

  However, the college thinks this can set a threshold for him, which is too naive.

  It’s really that simple. In previous lives, there would be no financial derivatives with complicated packaging or even subprime mortgage crises.

   Lynch smiled faintly, "Pledge my 100,000 points."

   can't be used, then bet it.

   Just like the "bank time deposit certificate" in the previous life, if you need funds urgently but don't want to withdraw a large amount of interest, you can use the deposit certificate as collateral in exchange for a loan.

  Even this evaluation value can be as high as 90%!

  90,000 points were easily bypassed by Lynch and taken out!

  Promoter Luke looked shocked, and said with a trembling mouth, "It is indeed possible to do this, then I will handle it for Lin Qi now. How many points do you need to apply?"

   Lynch frowned slightly, "Let's do it, you can calculate the total cost for me first."

  Speaking, Lynch took out a booklet and read it out silently.

"Iron briers, canvas, sleeping bags, copper bells, climbing nails, iron crowbars, torches, firewood, catching nets, flint and iron pieces, hammers, oil lamps, shackles, small steel mirrors, miners' picks, hemp Rope, sack, whistle, shovel, water bag, candle..."

  "These adventure suits~www.wuxiaspot.com~ please give me a hundred sets."

   Lynch said lightly, these are the funds he bought the entire dormitory.

  "Bottled strong acid, blazing glue, anti-poisoning agent, holy water, melting powder, smoke rod, lighting rod, thunderstone, flat bottle of whale oil..."

  "Bring me twenty sets of these alchemy items."

  This is arranged for his core team.

  "Binoculars, tent, alchemy set, craftsman tool set, climbing tool, disguise tool set, medicine chest, silver sacred symbol, holy water basin, magnifying glass, gem lens, commercial balance, exquisite silver mirror, thieves tool set..."

   "These are what I want to use, just give me a set."

  "By the way, I need to rent a dimensional bag for one day to load these things."

  Every time he uttered a noun, the girl’s mouth grew by a point, from a coin to the size of a light bulb.

   Lynch exhaled in one breath, and by the way, he felt infinitely happy.

  It’s really cool to spend money.

  (End of this chapter)