Qiu Ping gritted his teeth when he said it, very unwilling. Pen & Fun & Pavilion www.biquge.info

He felt that if such a thing happened again, he would definitely not be deceived, but he didn't know why at the time, and suddenly he was confused and fell for it all of a sudden.

After Yin Jun listened, he was full of emotion.

Qiu Ping suffers not because of greed, he is different from many people who want to get 20% rebates, he prefers to immigrate to Canada early, of course, it is better to have 20% rebates.

The sooner he gets things done, the faster he can prepare for all kinds of matters and make the best plans for his wife and daughter's life over there.

For people like him, if a month passes earlier, there will be an advantage of a month earlier, and if they think more and prepare well, they will take a better lead, which is a major event that can affect the development of their Qiu family in Canada in the next few decades.

It's a pity that his impatience affects his judgment.

Knowing that according to the normal procedures, it was impossible to complete the immigration procedures in such a crazy three months, but for the sake of the glimmer of urgent hope in his heart, he threw himself away and took out all the family's property.

Qiu Ping's salary is more than 9,000 a month, but it was only since he changed jobs in 78 that his salary increased, and it was more than 4,000 before.

Before, because of the good salary, Qiu Ping bought a total of two houses, one large and one small, the small one was rented out, and the big one was used to live in himself, but it was not a house bought in full, but a loan of choice, and the loan was repaid every month before.

The house in Xiangjiang is not cheap, and Wang Qiuwen did not go to work and concentrated on taking care of the family, so in fact, Qiu Ping's family background cannot be said to be very rich.

In addition, in order to socialize and maintain a decent life before, Qiu Ping's spending money was not very economical, so the cash he could save was naturally not too much.

This time, in order to complete the immigration as soon as possible, he not only took out all the cash deposits in his family, but also mortgaged two houses that had just repaid the loan, which made up more than 1.2 million.

Fortunately, since last year, Qiu Shuzhen's filming salary is not bad, plus the catwalk of "The Star Knows My Heart" to Treasure Island, she earned more than 200,000 yuan for her family before and after, otherwise the more than 1.2 million would not be enough.

Now that Lu Chunrui donated money and fled, Qiu Ping owed the bank more than 800,000 yuan at once, and if he couldn't repay the loan, the house would be taken away by the bank, and they could only go out to rent a house.

And Qiu Ping now has a monthly salary of more than 9,000, in addition to the family, Qiu Shuzhen's education expenses, etc., what can be saved in a month is 3,000 to 4,000, and it will take more than ten years to pay off the principal, plus high interest, at least 20 years!

Thinking that in the next 20 years, not only will there be no savings, but all of them will have to be taken out to repay the loan, the quality of life of the family will be greatly affected, and his wife and daughter will suffer with him, Qiu Ping wants to cry without tears.

"The police haven't said it explicitly in the past few days, but it is estimated that it will be difficult to recover the money...... Even if someone is caught, the money is either diverted or squandered. Qiu Ping said frustratedly, "It's all my fault, why are you so anxious! Why are you so confused? I know that this is not normal, but I still insist on investing all my net worth!!"

Seeing that he was about to cry when he said it, Qiu Shuzhen was so frightened that she grabbed Yin Jun's clothes.

It's not that she hadn't tried to persuade her father before, but Qiu Ping, who was already going crazy, violently pushed Qiu Shuzhen away several times - gentle and calm middle school teachers, once they fall into extreme depression, they usually lose control.

Fortunately, Qiu Ping did not despair, his salary is rising, although his family is almost nothing, but after the mortgage of the house comes down, the valuation is still low, and he will pay off the loan of the small house in five or six years, and then he can sell the small house, so that the pressure will be reduced a lot.

Looking at his wife and daughter, Qiu Ping told himself again and again that as long as he was willing to work hard, then life would get better one day.

Yin Jun nodded when he heard this, "I can't blame you for this, who knew that such an old brand of immigration company would actually cheat people like this? What we have to do now is to ignore the past and think about what to do in the future." ”

"I'll go to work honestly, and when I take a break, I'll see if there's an opportunity to make extra money, and I'll try my best to pay off my debts." Qiu Ping said.

"I also want to find a job to ......," Wang Qiuwen, who had already cried and swollen her eyes, said timidly.

"How many times have I told you?How much money do you earn from working?What will you do?" Qiu Ping glared at his wife angrily, "Doudou doesn't need anyone to take care of it? I don't need you to take care of a bunch of things at home? I'm not dead yet, I don't need you like this!"

Wang Qiuwen obviously argued with Qiu Ping because of this matter, and when she saw Qiu Ping's anger again, she could only keep her mouth shut.

Yin Jun understood Qiu Ping's mentality very well, but he couldn't agree with his approach.

A man is the pillar of a family, and it is nothing on weekdays, but once something major happens, then the head of the family definitely needs to stand up and support the family and not let it collapse.

Now that the Qiu family is in trouble, Qiu Ping should try to recover the losses on the one hand, and on the other hand, he should be calm and cheerful and optimistic in front of his wife and daughter, and not transmit negative emotions to his wife and daughter - women are inherently weak and easy to be weak, so if men want to lose their temper and vent, they will often be hurt more deeply.

Yin Jun didn't know if Qiu Shuzhen had also encountered this in her previous life, because after her debut, there was basically no gossip about her family, and of course Yin Jun didn't know.

But since he met him in this life, then Yin Jun can't ignore it.

After a deep sigh, Yin Jun said: "Uncle Ping, Aunt Qiu, what the police said is right, at least in a short period of time, we can't expect to recover the money from Lu Chunrui." The most important thing now is to see how to get through the current difficulties. Uncle Ping, you mentioned just now, the interest rate of the bank's loan is very high, and you are using a mortgage, so the most important thing is to repay this part of the money, otherwise you will lose a lot in the future. ”

In 1978, the average prime loan interest rate in Hong Kong was 6.68%, while the average mortgage interest rate was 10.62%.

But in 1980, the real estate in Hong Kong continued to rise rapidly, resulting in a rapid flow of funds to the real estate market, resulting in a shortage of funds in the bank.

In this case, the preferential loan interest rate of the bank has been gradually abolished, and the average has risen to 11.37%, while the annual interest rate of ordinary people like Qiu Ping is as high as 15% when they go to the mortgage, which is extremely high.

But that's not the highest.

By the end of next year, when the real estate is at its craziest, the prime rate of Hong Kong soared to a record high of 20%, and the mortgage rate rose to 21%, the highest ever.

Remember, this is still the prime rate!

In fact, at that time, you didn't have 30% interest, and you couldn't take out a loan at all.

This is the crazy era, the crazy Xiangjiang!

So, in fact, Qiu Ping really has nothing to worry about.

As long as it comes next year, the two houses in his hands can skyrocket by at least 50%.

At that time, after he borrowed money directly to repay the loan, he sold the big house, and he would pay off all the loans and regain ownership of the small house.

Of course, Yin Jun is naturally reluctant to suffer Qiu Shuzhen, at least because the quality of life is too poor.

In his thoughts, Yin Jun asked again, "Uncle Ping, do you think that according to your current salary, it is enough to repay the loan while ensuring that the quality of life does not decline?"

"How is it possible?" Qiu Ping smiled bitterly, "Even if I go to pick up a few cram schools on weekends and winter and summer vacations, I can only increase by about 30,000 a year at most, and at most 150,000 a year, the family's expenses are not small, no matter how frugal I am, the maximum I can save is only 100,000." I have to repay the loan of more than 800,000 yuan plus interest for at least 10 years, and if I want to repay it in seven or eight years, it will have to be harder. ”

Wang Qiuwen next to her gritted her teeth, "Husband, I pay more attention on weekdays, and I can save a little." ”

The two of them are inspirational here, Qiu Shuzhen really can't help it, "Daddy, Mommy, and me! If I go to a cram school a little less, I will definitely earn 200,000 yuan a year!"

"You?" Qiu Ping broke her dream without hesitation, "Don't talk to your dad about this, going to school is your job! No matter how hard Daddy works, he can't let you delay your studies!"

"But......" Qiu Shuzhen blushed, "shouldn't I contribute more to my family?

At this time, Wang Qiuwen remembered that her daughter is also a famous star, and after the performance of "The Star Knows My Heart" last year, she earned 200,000 yuan just by going to Baodao for a catwalk.

Although this is equivalent to most of the money she has earned in more than a year of performance, if she comes to such a few more plays, her daughter alone will be able to pay off the loan!

She doesn't want her family to prosper now, she only wants to pay off her debts in three or five years, even if she doesn't have any savings to start over.

Looking at her husband with a firm face, Wang Qiuwen's mouth moved, but she still didn't dare to say it.

She knows her husband's literati habits, and her daughter can not be rich and expensive, but she must be literate and learn enough knowledge.

And Qiu Ping looks down on actors, thinking that they are all dramas, and there is nothing to be proud of.

's daughter is now starring in movies and TV series, saying that it is her interest, but Qiu Ping is reluctant to do so, but he knows that Yin Jun is cultivating his daughter, and he also hopes that his daughter's holiday life will be colorful and learn something in the process of acting, so Qiu Ping reluctantly allowed Qiu Shuzhen to be a young actor.

Seeing that everyone stopped talking, Yin Jun touched Qiu Shuzhen's little head, and said in a harmonious voice: "Doudou, Mom and Dad also have their own considerations, if you don't study, there will be a lot of things you don't understand in acting in the future...... Don't worry about things at home, my brother will help you solve it, do you believe my brother?"

"Hmm!"

Although Qiu Shuzhen was not so satisfied with Yin Jun's statement, she nodded seriously, "Believe it!"

"That's good!"

Yin Jun laughed, and turned to Qiu Ping: "Uncle Ping, if you really want to make money, then it just so happens that I have a job here, which is very suitable for you to display your talents, I wonder if you are interested in giving in?"

"Your side?" Qiu Ping was stunned, "You also want to run a school?"

He felt a little funny, he was a teacher, how could Yin Jun ask himself to help?

Do you think running a school is an easy thing to do?

Qiu Ping also knew that Yin Jun was very rich, and a loan of more than 800,000 yuan was not even a hair in Yin Jun's eyes.

But if it was just a charity, Qiu Ping would definitely not accept it.

"No, not the school. Yin Jun shook his hand and said, "I have a very important matter here, and I want to entrust a reliable person to do it." ”

"I don't know anything but Bahasa Malaysia. Qiu Ping hurriedly showed his bottom line.

"I just want to find a teacher to teach language knowledge to a group of employees in my company, talk about the past and the present, let them know about the glorious history of our country, and make them proud to be born in this country with a long history and a devastated culture!" Yin Jun Zhengse said.

"You really want me to teach Mandarin?" Qiu Ping's eyes widened, "What kind of staff to teach?"

"I have hired a lot of people from Tin Shui Wai, most of them from the mainland. Yin Jun said, "They, including their wives and children, basically have no knowledge because of that incident in China, and they don't have any knowledge of the brilliant civilization of the whole country. I'm very unhappy with this, and I have to let them listen and learn more!"

Qiu Ping looked at Yin Jun stunned, and had the heart to say that Yin Jun was holding on to eating too much, but looking at Yin Jun's solemn eyes, he knew that he was not joking at all.

Qiu Ping naturally didn't understand that this was a major policy for Yin Jun to let his employees increase their sense of identity with "they are the descendants of the dragon".

We have a common script, a ancestry, a culture, and these are all important hubs that connect each of them, and with these things, Japan's ridiculous prediction that "the Chinese nation will be divided into six countries" is simply a fool's joke and an idiotic act.

Our ancestors walked all the way down from the Loess Plateau, and the territory expanded to such a huge point, if it were not for the desert in the west, the sea in the south, the rainforest in the southwest, the ice field in the north and other natural conditions, it would have continued to expand.

Yin Jun was born in the 90s, he and the people around him, even if they are orphans and have no relatives, but they definitely regard themselves as Chinese people, living in this country, and hoping that the country and the people can live a better life.

This is also an important reason why Yin Jun after 40 years and came to Xiangjiang, he also wanted to seriously help the motherland, which is still poor and backward, become strong.

But now these people born in the 50s recruited by Yin Jun are a little different.

They basically did not receive a complete education, and the great thing is that they graduated from primary school, and many of them could not even read words, let alone read literature such as Qianjiawen, Di Zi Gui, and 300 Tang poems.

Once you are not exposed to the ancient culture of China, your sense of identity with this country will weaken, otherwise why are there so many ancient articles and deeds in Chinese textbooks?

With money alone, you can entrap these people for three or five years, seven or eight years, but when they are in Australia and accept the customs and culture there, they dare not say that they have to be separated from Yin Jun, but it will definitely become a pure employment relationship.

They themselves will become a mess of sand, and maybe they will even go to the Australian side and cause some trouble for Yin Jun.

Only by making them identify with this country, even if they are in Australia, and have never considered themselves to be descendants of dragons, can they be incompatible with the people of Western Australia, and they can become an important force in Yin Jun in addition to being cohesive and cohesive.

Therefore, Yin Jun has long been thinking about opening a Chinese course for them in addition to English classes and technical courses.

Now Qiu Ping's side is an opportunity.

It is too complicated to teach those employees, they definitely don't understand, Qiu Ping, a Chinese teacher in middle school, happens to be familiar with the Chinese language of primary and junior high schools, and it is easy to teach them these easy-to-understand cultural knowledge.

Moreover, Yin Jun also knew that Qiu Ping was a very good Chinese teacher, otherwise he would not have been poached by private schools.

Such a candidate is still a candidate who knows the roots, Yin Jun really can't ask for it.

"You don't have to tell them anything high. Yin Jun said in a harmonious voice, "I will teach them the basics of literacy, reading, and writing, and then tell them about the 5,000-year history of our country, so that they can know the ups and downs, successes and failures, ups and downs." …… If Uncle Ping is willing, pack up and come over. You teach 6 classes a day, two days off a week, but there is no winter and summer vacation in three years, I will pay you a salary according to the level of the head of the Qilin culture, 12000 a month, 16 months of salary a year, if they learn well, I will also pay a bonus. The annual salary increase is higher than the average increase of the same company. ”

Qiu Ping's heart moved as he listened.

He is now more than 9,000 a month, and although he takes a salary during the winter and summer vacations, he only receives 12 months a year.

Now that he is in dire need of money, such leisure is not suitable for him.

If Yin Jun can really give such a high salary, which is close to 200,000 a year, what is he going to do?

Wang Qiuwen's face was also full of excitement, and she looked at her husband expectantly, hoping that he would agree immediately.

If it was the first two years, she would not have paid attention to Yin Jun's invitation at all, and felt that it was really inappropriate to teach those adult students for such a private person.

But now Yin Jun is different, his net worth is more than 2 billion Hong Kong dollars, he is definitely one of the top ten richest people in Xiangjiang, his husband can follow him to do things, are you still afraid of losses?

Besides, even if Yin Jun doesn't care about Qiu Ping, he will definitely care about his daughter's feelings.

Wang Qiuwen can see that Yin Jun not only loves Qiu Shuzhen as a close little sister, he purely treats Qiu Shuzhen as a sister.

Qiu Shuzhen's big eyes also blinked, looking at Yin Jun happily, and looking at her father seriously.

She also hopes that her father can agree, and if she can work in her brother's company, she will not be bullied!

"I'm ...... here"

Qiu Ping hesitated for a moment, "You let me think about it...... Well, give me three days, and I'll give you an answer in three days!"

"Good!"

Yin Jun bowed slightly.

He could see that in fact, Qiu Ping was already inclined to resign, but he belonged to the temper of a literati, and it was not good to agree immediately, so as not to worry about others saying that he was too utilitarian.

Qiu Shuzhen is a big ghost, and she also saw her father's thoughts, smiled excitedly, and leaned on Yin Jun's chest.

"Thank you, brother~~"

The little girl said in a voice that only the two of them could hear.

Originally, in Qiu Shuzhen's heart, Yin Jun was already an omnipotent superman.

Now Yin Jun has solved the biggest crisis in his family in three or two clicks, and from then on, he is like a fairy shining with golden light in Qiu Shuzhen's heart!

……

(Close to 10,000 words, enough for others to be three or four more, don't think I'm not working hard!, in addition, every Friday is the worst time for subscription, think about you going to be chic, I'm still writing books seriously, so envious!)