Chapter 15 What should I do if my relatives borrow money?
There is a saying that "mother's uncle is the eldest". It is a very common phenomenon that a nephew is closer to his uncle. In feudal society, uncles were the most important beings, and they were always present at weddings, weddings, and banquets.
The reason is that since my uncle has a different surname from you, he will not compete for your family property, but will help you fight for it. As for uncles and uncles, because they have the same surname, they will compete with you for family property.
In ancient times, if there was an awesome uncle, even if there was only an orphan mother and a widow, the men of the same clan would not dare to get involved in the family's property.
Without this uncle, not to mention the family property would have been occupied, even I would have been sold by my uncles and brothers.
The most important reason why many great people in history were successful was that they had a great uncle, and the uncle could do it too.
The reason why many famous people in history failed was because they had an uncle who failed to live up to expectations.
From this perspective, the uncle and the nephew are a community of interests, and the uncle's status will naturally be praised higher.
However, Zhang Wei's uncle is just the opposite. He doesn't care about his nephew, but he is still thinking about his nephew's scholarship!
“My uncle, when I scored 750 points in the exam two days ago, I informed him. At that time, he just said ‘congratulations’. Now he saw in the newspaper that I won the scholarship. , but I bought roast chicken and came to my door! People are really afraid of being famous, but pigs are afraid of being strong!”
What should I do if a relative comes to borrow money?
Don’t borrow to hurt feelings, but borrow to hurt money!
After all, he is his biological uncle, and his relationship is so good, so being hurt is not a big deal.
Even if I hurt my feelings, you are still my biological uncle, so I’d better hurt my money!
For a moment, Zhang Wei felt that he was really a logic genius.
On the other side, Zhang’s father said: “The 300,000 yuan scholarship given by the Education Bureau is for Zhang Wei to go to school.” That's enough, I'll borrow 100,000 yuan, don't you still have 200,000 yuan?" the uncle said.
"Zhang Wei went to Tsinghua University this time. After graduation, he will definitely stay in the capital for development. He will not be allowed to buy a house in the capital by then? You also know how expensive the house prices in Beijing are, so This scholarship cannot be used lightly! We have to buy a house for Zhang Wei to get married in the future!" Zhang's father said again.
"When Zhang Wei gets married, it will be a few years later. You lend me 100,000 yuan first. By the time Zhang Wei gets married, I will definitely be rich! Isn't it just a house in the capital?" I, the uncle, will give you a set!" The uncle started bragging about not drafting again.
Zhang Wei next to him finally understood. His father didn't want to borrow money, but he was too embarrassed to refuse directly, so he made some excuses to shirk it. After all, my father also knew what kind of virtue his uncle was, and he was afraid that if he lent out the 100,000 yuan, he would be a fool to beat a dog.
The uncle was really shameless, and he was sure that his father would save his face and would not refuse directly, so he tried every trick to get the 100,000 yuan.
Based on Zhang Wei's understanding of his father, if he continues in this manner, the money will definitely be loaned out. In order to save face, my father would most likely give a discount and borrow 70,000 yuan.
As expected, after some words, Zhang’s father still said because of the affection between relatives; “After Zhang Wei goes to college, he will still have a lot of money to spend. How about this, I will lend it to you first. Fifty thousand yuan!”
“Brother-in-law, fifty thousand yuan is really not enough, I have to give you eighty thousand yuan!”
“I’ll give you sixty thousand yuan at most!”
Seeing that the two people were about to make a deal at a price of 70,000 yuan, Zhang Wei knew that it was time to take action himself.
"Uncle, in addition to the 300,000 scholarship from the Education Bureau, our school also gave me a 200,000 scholarship!" Zhang Wei said pretending to be happy.
"The school also has two hundred thousand, so it is half a million! It was not reported in the newspaper!"
My uncle made a calculation in his mind, if it was half a million, then he would do it as soon as he opened his mouth. Borrowing 100,000 yuan is obviously less, and 70,000 yuan cannot be the transaction price.
My nephew is so promising, I need more money!
Father Zhang glared at Zhang Wei with a dissatisfied look on his face, thinking to himself, this prodigal son, if you show off like this, will your uncle become a wealthy layman in an instant?
Zhang Wei said to himself: "Uncle, don't you believe it! If you don't believe it, look at this, five hundred thousand is already stored in this card!"
Zhang Wei After saying that, he took out the bank card directly from his pocket.
Dad Zhang was slightly stunned and asked subconsciously: "Why is this card where you are?"
"I took it from my mother's drawer." Zhang Wei replied.
"What do you do with this bank card?" Dad Zhang asked next.
“Buy stocks!” Zhang Wei continued with an innocent face: “Don’t you mean that if you go to the capital to sell a house, including the decoration of home appliances, the money will not be enough! I heard that stock trading can To make money, just open an account at a securities company and use the money to buy stocks."
"What?" Dad Zhang was stunned for two seconds, and then his face became angry: " If you are a good student, how can you learn to trade stocks from others? Don’t you know that nine out of ten people who trade stocks will lose money! Even if you want to make money, you have to work hard. How can you do this kind of speculation? What's going on!"
My uncle quickly advised: "Brother-in-law, don't be angry. Stock trading is also a way to manage money. There is a saying, if you don't manage money, money will not care about you, Zhang Wei! He is so promising and has been admitted to Tsinghua University. He will definitely make a lot of money in the future. He should develop financial management concepts from an early age!"
Dad Zhang suppressed the anger in his heart and asked: "What stocks have you bought? ?”
"I bought Qilu Petrochemical's shares." Zhang Wei replied. "How much does Qilu Petrochemical's stock cost?" Dad Zhang asked again.
“When I bought it, it was 4.97 cents per share. I don’t know how much it has gone up to now.” Zhang Wei then replied.
Next to me, my uncle hurriedly said: "Brother-in-law, don't worry, you can check the stock price by sending a text message on your mobile phone. You may even make a lot of money! I will check it for you now."
As he spoke, his uncle took out his mobile phone and asked Zhang Wei: "Do you know the code of this stock?"
Zhang Wei thought for a while: "It seems to be 600002."
"600002, I will send a text message now." The uncle sent a text message and received a reply to the inquiry a moment later.
"Here it comes, 600002, Qilu Petrochemical, the current price is four yuan and ninety-five cents. By the way, how much did you buy it for just now?" The uncle looked at Zhang Wei.
“Four dollars and ninety-seven cents.” Zhang Wei replied calmly.
"That's a loss of two cents. Fortunately, it's only two cents, not much." The uncle quickly smoothed things over.
Dad Zhang only lost two cents after hearing this, and his expression softened a lot.
My uncle struck while the iron was hot: "Zhang Wei, your dad is right. Nine out of ten stock traders lose money. Aren't you just losing two cents? Why don't you lend me the money?" , I’ll use it to do business, and when uncle makes money, I’ll buy you a house in the capital!”
Dad Zhang also said: “While I’m not losing much money, I’ll go to the securities company tomorrow and buy this! Sell the stock to me! Ask your mother to make a deposit in the bank, but don't touch such risky things." Zhang Wei chuckled; "Dad, I only lost two yuan per share. But who buys stocks one by one?"
"How much did you buy?" Dad Zhang asked immediately.
"1000..." Zhang Wei deliberately said half of his words.
"1000 times two cents, that's twenty yuan! That's not bad. Sell it as soon as possible tomorrow and stop the loss in time." Dad Zhang breathed a sigh of relief.
The loss of twenty yuan is equivalent to losing two packs of cigarettes and drinking two bottles of beer, but it is still affordable.
However, Zhang Wei said: "It's not 1,000 shares, it's 1,000 lots. One lot is equivalent to 100 shares. So we lost 2,000 yuan today!"
"2,000 yuan! I One month's salary is gone, and I won't beat you to death!" Dad Zhang shouted and stretched out his hand to whip you.
"Dad, don't worry, today it dropped two cents, but tomorrow it may rise four cents, and you can make two thousand yuan by then!" Zhang Wei said quickly.
"Yes, brother-in-law, stocks tend to rise and fall. If they fall today, they will definitely rise tomorrow." My uncle also quickly advised.
"You prodigal son! You are really seeking death! Sooner or later, all my wealth will be wiped out by you!"
Dad Zhang snatched the bank card from the table. He held it tightly in his hand, for fear that Zhang Wei would take it away again.
"Dad, don't be so nervous. I spent 497,000 yuan on buying stocks, and there are only 3,000 yuan left in this card." Zhang Wei continued.
Father Zhang finally realized, four yuan and ninety-seven cents per share, 1,000 lots is not 497,000! There really is only 3,000 yuan left in the card!
A huge sum of 500,000 yuan, a house in a first-tier city, was all spent by Zhang Wei in one day!
No, I still have to draw my belt! This prodigal son must not be spared!
And Zhang Wei’s words also reminded his uncle.
Having half a million yuan invested in the stock market, isn’t this plan to borrow money in vain?
He lost a month's salary on his first day of stock trading. No matter how thick-skinned he was, he was too embarrassed to ask for a loan.
At this time, Zhang Wei hid directly behind his uncle: "Uncle, my dad is going to hit me, please help me stop him!"
The uncle had no choice but to step forward to stop him: "Brother-in-law , If you have anything to say, tell your child if he has done something wrong, educate him well, but don’t hit him!”
Seeing his uncle transform from a money-seeker to a peacemaker, Zhang Wei was secretly happy.
What should you do if a relative asks you to borrow money?
It's very simple, tell him that you bought big A shares!
Maybe this relative will have to support you a few times before he leaves.
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(End of this chapter)