Today is the night of the full moon. On the top of the mountain outside Xuantian City, Ye Ming used 500 million Wuzun coins to exchange for 10 billion transaction merit points! Resurrecting one person requires five billion merit points, and ten billion merit points can resurrect two people.
When he made his wish, the merit monument shook and agreed to his request.
The next moment, the entire mountain peak suddenly lit up, and a mysterious force appeared. It was everywhere and carved an extremely complex magic circle on the mountain. Ye Ming only took one look and was shocked. The restrictions above far exceeded the thousand-level small-thousand-level restriction. This formation was definitely a medium-thousand-level restriction array! This kind of magic circle can drive higher-level laws of heaven and earth and connect the two big worlds, which is far beyond Ye Ming's current ability.
The mysterious power continues to engrave the magic circle, hitting a thousand restrictions in the first level, a thousand restrictions in the second level, and the number continues to increase until the ninety-nine and eighty-one levels hit a thousand restrictions. The next moment, the formation lit up, and a powerful force radiated to the four dimensions and eight poles, the three realms and the five elements, connecting countless dimensions.
Ye Ming saw that countless complex mark fragments continued to gather from all directions.
Bei Ming said: "Master, these mark fragments are what remain in the world after death. They can generally exist for ten years. After ten years, the marks will dissipate and people will have no chance of resurrection. Put the mark fragments together into Complete the imprint of life, and then imprint it in the fetus, so that it can be reborn. This method is absolutely impossible for ordinary gods. Emperor Haotian is too powerful."
There are more and more fragments of the mark, gradually condensing into two fist-sized auras, suspended in the air. Inside the aura, there are countless mysterious and complex rune restrictions, layer after layer.
Ye Ming felt dizzy after just one glance. He quickly turned his head and said in shock: "Is the mark of human life so complicated?"
"Human potential is infinite, and the life mark is of course complicated. This is because your parents' cultivation level is too low. If it were replaced by a powerful life mark, it would be incredibly complicated." Beiming said.
The formation gradually dispersed, and Ye Ming quickly and carefully put away the two groups of life marks. According to the instructions on the merit tablet, he only needs to put the mark of life into the fetus in the belly of the pregnant woman.
"This is difficult. Where should my father and mother take care of the child?" Ye Ming scratched his head, very distressed.
"Xuantian City and Cangyun City are both very prosperous. Why not let the master's parents support their children here? They don't need to be too poor, and they don't need to be too precious. Just be a middle-class family." Bei Ming said, "People who are too poor don't take good care of them. , people who are too wealthy are not safe."
Ye Ming nodded repeatedly, and he immediately walked around the streets and alleys of the two cities, observing with the help of Beiming's spiritual mind. Finally, he found a family in Cangyun City. In Cangyun City, there is a large family with the Hua surname, which has been passed down for ten generations, and currently three generations live under the same roof. Both his grandfather and father are martial lords. His son, who is thirty-five years old this year, is named Hua Zixu. He has excellent qualifications and is already a martial lord.
Hua Zixu's wife was twenty-five years old, her name was Liu Xinru, she was a martial artist, and she had just become pregnant with a child. Beiming told Ye Ming that based on his eyesight, the fetus in Liu Xinru's belly was a boy, with excellent qualifications and a treasure body at the worst.
Ye Ming was overjoyed and stood guard outside the mansion, waiting for Liu Ruyan to come out. It's just that he waited from night to early morning, and from early morning to afternoon. Liu Ruyan only stayed at home to raise her baby without going out at all. The Hua family has a shop in Cangxuan City, and the annual rent alone is worth hundreds of millions of Wuzun coins. With such a high income, it is easy to support a family.
Ye Ming felt that he could not wait any longer, so he came to the door of Hua's house. Seeing that Ye Ming was calm and handsome, the servants of the Hua family did not dare to neglect him. They first invited him to the living room and then informed the master.
After a while, a young man strode out, clasped his fists and said with a smile: "Boss Ji, I have long admired you. Your shop selling talismans has made a lot of money in the past six months, right?"
Cangxuan Street is so big. As soon as Ye Ming reported his name, the other party knew it and hurried out to greet him. The young man is Hua Zixu. He knows that although Ye Ming is young, his wealth is definitely not inferior to that of his Hua family, so he dares to underestimate it.
Ye Ming smiled "haha": "Brother Hua, thank you. It's a small shop. It can't make enough money to pay the rent."
"Hehe, Brother Ji is not afraid of hiding things from me. I have calculated that your shop's monthly turnover is less than 100 million, and the profit is astonishingly high, at least half of it, right?" He asked with a smile.
Ye Ming smiled, neither admitting nor denying. He only said: "I have heard about the reputation of the Hua family and Brother Hua's demeanor for a long time. I don't have many friends on Cangxuan Street. I came here to visit on purpose today." , presented a jade box.
Hua Zixu took the jade box and opened it. Inside was a large piece of seventh-level spiritual stone, and it was a precious life spiritual stone. This spiritual stone weighs at least 150 ounces and is worth more than 200,000 Martial Lord Coins. Although the Hua family doesn't look down upon the two hundred thousand Wu Zun coins, this gift is relatively valuable.
He said: "Brother Ji is too polite, why give such a generous gift?"
Ye Ming smiled and said: "I heard that your wife is pregnant, and this life stone is very effective in raising a fetus."
Hua Zixu was even more strange. He thought to himself that he and I had never met before, but he came to the door to give gifts and care about the fetus. What was his purpose
Ye Ming said again: "I don't go to the Three Treasures Hall for anything. The reason why I came to disturb you is because I heard that your wife's name is Liu Xinru, who is twenty-five this year. I happen to have a cousin who has been missing for many years. I remember her name was Xinru when she was young. , so I really hope to meet your ladyship."
Hua Zixu laughed and said: "Brother Ji, my wife is definitely not the person you are looking for. My wife's natal family is in Cangxuan Street, and she never disappeared when she was a child."
Ye Ming looked regretful and said: "So that's it."
Seeing Ye Ming's disappointment, Hua Zixu couldn't bear it and said, "It's almost dinner time. Brother Ye is here, so don't leave in a hurry. I'll call my wife later and we'll have a light meal together."
Ye Ming said: "How can you be so embarrassed?" After a few words of refusal, he really stayed.
Hua Zixu was also a down-to-earth person and immediately ordered people to prepare food while he was talking to Ye Ming in the hall. After a while, a young woman walked out. She had a beautiful appearance, a noble temperament, a slightly bulging belly, and a face filled with the glory of motherhood.
It was inconvenient for the young woman to salute, so she just stooped slightly and said a blessing to Ye Ming: "I have met Mr. Ji."
Ye Mingxin said that this was the future grandma, how dare she accept his courtesy, and immediately took the opportunity to step forward to help her, saying: "Don't dare, sister-in-law, be careful." In his palm, a ball of spiritual light silently entered the young woman's arm, and then ran in into the fetus.
For a moment, the pear-sized fetus moved slightly. Sure enough, the young woman exclaimed softly and said curiously: "It's only been one month, why is there fetal movement?"
Hua Zixu smiled and said, "It must be your hallucination. A three-month-old fetus usually doesn't move around."
Ye Ming quickly took a few steps back and greeted her with a big courtesy: "Ji Wujiu, I have met my sister-in-law and took the liberty to come here. Please don't blame me."
Liu Xinru smiled softly: "Young Master Ji is too polite, please get up quickly."
Ye Ming's care was pure and natural. Hua Zixu only thought that he missed his cousin too much and transferred his feelings to his wife, so he sympathized with him a little.
During the dinner, Ye Ming learned during the chat that in addition to renting out the shop, the Hua family also engaged in the elixir business. The family had two alchemists and their annual income was not high. The two talked about the bank, and Hua Zixu asked: "Brother Ji, your bank has been losing money, why do you continue to open it?"
Ye Ming said: "I plan to spend two years. If I am still losing money after two years, it means that I have taken the wrong path and will close the door immediately. If I can break even after two years, it means that I have taken the right path. I Will continue to operate.”
Hua Zixu has a good business vision. He said: "Two years of investment is not a small amount. If I were Brother Ji, I would prefer to use the money to buy a shop, so that I can collect rent every year."
Ye Ming smiled slightly and said: "Now the bank only lends money to others. When it becomes stronger in two years, it will try to keep money for others."
"Keeping money for others? There are indeed people doing this kind of business, but they are usually in small banks, and the custody fees are not high. They only charge about half a percent per year." Hua Zixu said, "This is a way to make money."
It turns out that today's banks generally provide services for keeping people's money, and the custody fee is charged at 5% per year. If a person saves ten thousand Wuzun coins, five hundred will be deducted in the first year, and four hundred and seventy-five will be deducted in the second year. Those who deposit money in banks are mostly weak but wealthy people. They are unable to protect their property themselves, so they can only deposit it in a bank.
Ye Ming waved his hand: "We keep money for others. Not only do we not charge custody fees, but we also give you a share, and we can share it every year."
Hua Zixu's eyes widened: "Not only do you not charge money, but you also need to pay 10% every year? Really or not? If you buy a shop now, you will only get 20% profit every year!"
Ye Ming smiled slightly and said: "Of course it is true. Brother Hua, do the math, if 100,000 people deposited one billion in my bank. And I will lend out this billion at an interest of 12% per month. 500 million. If 10% of the 500 million people default, then my loss will be 50 million. And for the remaining 450 million, the annual interest will be 648 million!"
"After excluding the 50 million loss and the 50 million annual share, the gross profit is still 548 million. After excluding the annual cost of more than 240 million, I can still make a net profit of about 300 million." Ye Mingdao , "Compared with the investment of 1 billion, this 300 million cost, isn't it also a 30% return every year? Isn't this better than just sitting on the ground collecting rent?"
Hua Zixu looked shocked and said: "Strong, much stronger! The shop is mine, but you borrowed the chicken to lay the eggs. This is really a clever move. Why didn't I think of it?"
Of course Ye Ming would not tell him that the seven-yuan arithmetic array was all about nothing. He could come up with such a genius way to make money with just a change of his mind.
Ye Ming smiled slightly and said: "Brother Hua, what do you think of the future of my bank?"
Hua Zixu clenched his fists and said, "There's a lot to do, a lot to do!" He suddenly smiled and said, "Brother Ji, we hit it off immediately. I wonder if I can take a share in this bank?"
What Ye Ming is short of right now is money, but he can't agree to this easily. He looked embarrassed and said: "Actually, I don't lack money, I just lack time. And Brother Hua also said that this bank has great potential. In the early stage, If I let people take shares, I will lose a lot.”
Hua Zixu immediately said: "Brother Ji, don't worry, my Hua family only holds half of the shares!"
Ye Ming blinked: "Half-percent shares? This can be considered, but I don't know how much investment you are willing to make?"
Hua Zixu thought for a while and said: "It will not be less than two billion. As for how much we can finally get, it is a serious matter and I must discuss it with my father."
"There's no need to discuss. The Hua family will contribute 5 billion, but you have to keep 10% of the shares!" Suddenly, a middle-aged man strode in and looked at Ye Ming.