Live Beautification System

The life of studying always goes by very fast. The short vacation ended quickly. That afternoon, Ding Mu drove his parents to the airport, waved goodbye, and returned to his empty home alone.

A few minutes after arriving home, a strange phone call came in. Ding Mu picked up the phone and heard a pleasant female voice from the other side: "Is this Mr. Ding Mu?"

Ding Mu said: "It's me. What's the matter?"

The other party said politely: "That's right, I'm your bank steward. We found out that your consumption last month was 38.4 million yuan and you have paid back on time. We think your credit rating is very good and you belong to a high-net-worth group. Therefore, an interest-free borrowing service is specially launched for you.”

"Interest-free?" Ding Mu liked these two words very much.

"Yes, we will deduct all your credit limits and transfer up to 70 million yuan in cash to any debit card you designate. You can use this money freely and choose to repay it monthly, It can be 6 issues or 9 issues.”

Ding Mu calculated that this 70 million was not a small number. Even if it was just 6 months of trust financial management, with an annualized rate of return of 12%, it would be a huge sum of 4.2 million. However, this is not a liar.

Ding Mu said warily: "Are you sure it's interest-free? What materials do I need to submit?"

The other party said: "It is indeed interest-free. You only need to agree verbally. I will send the operation process to your mobile phone text message. You can use the mobile APP to follow the specified process. There is no need to provide any additional materials."

"You won't send me a link with a virus," Ding Mu said half-jokingly.

"Don't worry, there is no link in the text message, it's just an operation guide." The other party said cheerfully.

"Okay, then send it over and let me take a look." Ding Mu said.

After a while, the other party sent a text message. Ding Mu took a look and saw that the process was very simple. He just remembered it and opened the mobile APP and followed the process.

User instructions? Whoever sees it, just tick it. As soon as the relevant account password is entered and confirmed, the application is successful and the 9th issue is selected.

Ding Mu is so proud. Otherwise, money can make money. No wonder those rich people are so rich. How much money they can make just by cashing out their credit cards and managing their finances.

Before Ding Mu could be happy, the money didn't come, but the confirmation bill came first.

"You have chosen the bill installment interest-free installment plan. After successful application, the number and amount of installments you have applied for cannot be changed. The monthly repayment amount you need is 8562777.78 yuan, of which the handling fee is 875000 yuan."

"Holy shit. What's going on? Why is there such a high handling fee!"

Ding Mu was furious and made a phone call. The sweet female voice who answered the phone was no longer the sweet female voice who just recommended the interest-free installment plan for bills.

Two minutes later, Ding Mu accepted the reality dejectedly. They said it very clearly, interest-free, but not handling fees. During the application process, there was indeed a line of very small words that said the handling fee amount of this plan, but I didn't read it carefully. However, isn’t this a trap for people? ! How could a bank do such a thing!

Having said that, isn't it normal for a bank to do something like this...

Ding Mu turned around anxiously twice, took out a bottle of Coke from the refrigerator, drank it all in one gulp, and then took out his cell phone to do some calculations. He couldn't help but feel melancholy when he saw the seven digits on it. He pulled his hair hard and said to himself: "During this period, your life has been too smooth. How can you think about the good things falling from the sky? You are blind now. Not only did you not make any money, but you also made money out of thin air." We’ve lost millions, but the key is that there’s nothing we can do with these millions!”

In this situation before, Ding Mu must have called his own mother. However, after going to college and having a woman, Ding Mu always felt that he was an adult, so how could he let me worry about this?

Ding Mu thought about it and suddenly thought that Yan Xinran was a professional in this field. He might as well let her come up with an idea and immediately called Yan Xinran.

Seeing that the phone changed from calling to timer, Ding Mu immediately said in a sweet tone: "Sister Yan, what are you doing?"

Yan Xinran said in a slightly tired voice: "I have been working overtime for several days and I just went home to rest. The investment form has been unclear recently. Our team has been formulating investment strategies and made several investment models."

"That's true. I have something to ask you about this."

"Aren't you a carefree rich second generation? When did you know how to invest?" Yan Xinran joked, "You can't explain this kind of thing over the phone, so why don't you come to my house."

"Okay, give me an address and I'll drive there."

An hour later, Ding Mu arrived at Yan Xinran's two-story single-family villa on the North Fifth Ring Road.

This was the first time Ding Mu came to Yan Xinran's house. He admired the villa. Standing on the balcony of the bedroom, looking at the beautiful scenery in the yard, he sighed: "It's better to live in a villa. You have your own land, but you are the only one." Do you live in such a big place?”

Yan Xinran said: "I usually have an aunt at home who lives downstairs and cooks for me and takes care of me. Recently, she had something to do at home and asked for leave to go back to her hometown."

Ding Mu said: "Rich people."

Yan Xinran smiled and said: "This business is too hard. I plan to quit the secondary market after another one or two years and buy a few front-end houses to rent. By the way, you called me. What do you want to ask me? Come here. , let’s sit down and talk.”

Yan Xinran returned to the room, sat on the edge of the bed, and patted the seat next to her.

Ding Mu sat down next to Yan Xinran, deliberately buried his head on Yan Xinran's neck, took a deep breath of her fragrance, and murmured: "Just now, I fell into a bad trap! Let a bank The phone sales call was scammed.”

Ding Mu told Yan Xinran about the interest-free installment plan, his face full of bitterness.

Yan Xinran listened patiently. After listening, he touched Ding Mu's head and said, "Kid, you're not being deceived. It's just your own carelessness. How can there be such a thing as pie in the sky?"

Ding Mu looked at Yan Xinran eagerly and said timidly: "You are my good sister and a financial expert. Is there any good way to turn losses into profits?"

Yan Xinran smiled slightly, did some mental calculations, and said confidently: "The annualized rate of return for your handling fee is not very high, only about 15, so there is still a lot of hope to earn it."

Ding Mu said excitedly: "Then think about it quickly, how to do it specifically?"

Yan Xinran analyzed: "Although your money is no longer a small amount, it still cannot have a drastic effect in the financial market. The rate of return cannot be too low, and there cannot be the risk of losing money, so that you will not be able to make money by then." It is indeed a bit difficult to raise money. However, I have a bad idea."

Ding Mu put his ear to Yan Xinran's mouth and said, "I would like to hear the details and listen attentively."

Yan Xinran playfully licked Ding Mu's ear, then bit it lightly, exhaling and saying, "Allocate funds to buy stocks, and raise funds to make new investments."

Ding Mu only knew how to buy some Yu'ebao and so on, and at most he knew a little about P2P platform financial management. He was completely confused by Yan Xinran's words and couldn't help but ask: "What do you mean?"

Yan Xinran explained: "Generally speaking, risk and return are directly proportional. Do you know what is the biggest risk now? You don't know even if you know it, it is financing and capital allocation. Do you know what is the smallest risk? It is buying new stocks."

Seeing that Ding Mu was listening carefully, Yan Xinran continued to explain: "Financial allocation is to use financial leverage. Fund allocation means that you deposit part of the money into other people's accounts, and others give you several times the funds. You only need Pay interest and profit is yours. Financing is to use stocks as collateral and use less money as leverage to buy stocks worth several times the money you spent. But both of them have a warning line. If it falls below What will happen to this cordon?”

"how?"

"The position will be liquidated and you will lose a penny."

"Oh my god, there's not even a penny left. The risk is too great. You want me to do this?" Ding Mu questioned.

"While buying stocks, you can also use equity mortgages to raise funds, and then issue new shares through financing. The current rules for issuing new shares are that how much shares you buy will qualify you to issue new shares with a certain value. A company of your size Regarding the amount of capital, there is a risk if you don’t win new stocks, but based on the current capital market, if the amount of capital reaches a certain scale, you will definitely be able to win the lottery with a certain proportion of capital, and then make a lot of money.”

“Do I make enough money to pay the fees?”

"I just did some calculations. According to the current market conditions, it is enough to pay the handling fee and the interest on the capital allocation. If the market is good, you can make a lot more money. The only risk is that the stocks you buy with the capital cannot fall sharply. , if it falls below the warning line, you’re doomed. But if it rises, you’ll make a fortune.”

"Do you think the risk is high overall?" Ding Mu stared at Yan Xinran and asked.

"Based on my judgment on the current A-shares, I think the risk is very small, and the profits may be huge." Yan Xinran said confidently, "In case of fluctuations, stop losses and exchange shares in time. Your income will mainly be in new shares."

"Okay, I listen to you, what should I do next?"

"I will take you to find a suitable capital allocation company and a capable trading expert as a consultant." Yan Xinran smiled happily when she saw Ding Mu trusting her so much.

"By the way, what kind of investments do you do? Can I invest my money in you?" Ding Mu asked.

Yan Xinran smiled and said: "I do some futures. The profit is high, but the risk is relatively high. If I make a mistake, the whole army will be wiped out. If you want to play, you can allocate a little bit and gamble."

"Please tell me in detail how to play."

"Okay, it's rare that my little handsome guy is interested." Yan Xinran is an expert in futures. Taking oil futures as an example, he explained to Ding Mu in detail how to open short orders, open long orders, positions, transfer positions, etc. Ding Mu listened with great interest.

Ding Mu suddenly remembered that he had a trump card, and quickly consulted Yan Xinran: "If controllable nuclear fusion makes a leap forward and can easily replace oil as an energy source, do you think the price of oil will rise?" fall."

Yan Xinran thought for a while and said: "This is indeed bad for oil, especially for future indicators such as futures. But as I said just now, oil prices are linked to the economies of various countries. Even if there are alternative energy sources, now The tens of millions of cars on the road still need to use oil, and this all requires a process."

Ding Mu said excitedly: "After listening to you talk so much, I found that you are really talented and know so many things. Can you help me calculate the maximum amount of money I can spend to invest in futures, and the risk is within the controllable range?"

"You need to calculate how much your expected profit is. I have to do the calculations." Yan Xinran took a pencil and calculated for a while. "Take out about 10 million yuan and take a gamble. If anything happens, Large reverse movements need to be stopped, so it probably won't affect your repayment of the interest. But you should think clearly. If the loss is stopped here, how much money can you make from the investment strategy I formulated for you before? , I’m afraid it’s all gone. You have to bear a huge risk for nothing.”

"Wealth can be found in danger. I will place an order to short oil tomorrow." Ding Mu said excitedly.

"Investing in futures requires a lot of certifications, and it may take a while before you apply for an account. And domestic crude oil cannot be traded directly, it must go through an agency, and there are many agreements involved." Yan Xin Ran smiled and said, "Don't be too anxious. Think it through before doing it."

"You have an account, right? Just use your account. Tell me your bank card and I will transfer money to you." Ding Mu said loudly.

"This is 10 million, do you trust me so much? Are you afraid that I won't return the money to you?" Yan Xinran pointed the tip of her nose to Ding Mu's and stared into Ding Mu's eyes.

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