I’m Really Not Faye

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

"Yes, but the time is too late now, and you don't need to, Lin Qi..." 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'm afraid his group of partners need it.

Lynch has gradually understood that the mages are never 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.

Timing is one thing, and timing is another.

After a quarter of an hour, 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 were completely wiped out. At this time, the store shelves seemed a bit empty.

The waiter on the night shift, Luke, 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 to invest in the college, so the promoters of these points shops can get a consumption commission. Everyone is a master of bluffing and persuading, and each of them has been able to control Realm.

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 does not spend, but spends one hundred thousand gold coins!

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

Lynch once came to society and learned 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 can really 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 straightforwardly.

Lu, who had just performed the "magic trick" cleaning up the sanitation, didn't react, "Student Lynch, you were joking, after all, you have enough--"

Suddenly, the girl's scalp was numb, and her jaw was almost closed.

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 that moment, Lu Ke 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, post money must serve the other party well!

Seeing that the fish had taken the bait, Lin Qi secretly said that it was easy to handle, and said, "So I can only use it for mortgage when I can't use the points now."

"what?"

The 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 a real thing, and the points you get from the 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.

Borrowing ten thousand will get back ten thousand, which is a bit better than usury. You must know that depositing 10,000 yuan in balance treasure is only two hundred interest.

However, overnight prosperity and overnight bankruptcy must be followed by "leverage."

Borrowing is the most basic method of leverage. Housing loans are the largest amount of money that most banks can borrow, and the largest leverage that can be used. In the past, countless people rely on the leverage of buying houses 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 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 for this kind of mortgage quota every month. 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 suggestions, it doesn't hurt to let her come to work as a temporary worker for a few days.

With that, Luke looked past Lynch, who was already heavily armed.

Sacred Avengers, 120,000 gold coins.

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

Skeleton Magical 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.

If 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 have lost their fortunes in the casinos on the sidelines, and then come here in exchange for new gambling funds, and most of these people will choose to "live their lives" and have full confidence in themselves.

But in the end, almost 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 that this can set a threshold for him, it is too naive.

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

Lin Qi smiled faintly, "Pledge my 100,000 points."

If it can't be used, then bet it.

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

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

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

The promoter Lu Ke 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?"

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

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, please give me a hundred sets."

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

"Bottled strong acid, flame glue, anti-drug, holy water, melting powder, smoke stick, lighting rod, thunderstone, flat bottle of whale oil..."

"Bring me twenty sets of these alchemy items."

This is arranged for his core team.

"Binoculars, tents, alchemy set, craftsman tool set, climbing tools, disguise tool set, medicine chest, silver sacred symbol, holy water basin, magnifying glass, gem lens, commercial balance, fine 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 dimension 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.

Spending money is really cool.

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