Translator: Dragon Boat Translation Editor: Dragon Boat Translation
When he saw this contract, Chen Jing asked in his heart:
‘This thing is deceiving people, right? The annual interest rate is so high?’
In the end, red words immediately popped out in front of his eyes — [Accuracy 100%]!
There was even a detailed introduction of the scam.
As expected, the ability of accuracy was a little stronger when it came to things and not people.
Chen Jing looked at the detailed information and knew that this was indeed a scam. It was a typical Ponzi scheme.
So when he saw that his mother was about to sign it, Chen Jing hurriedly stopped her.
“What’s wrong?” Xu Yanlan saw that he was so nervous and asked him with a smile.
“Mom, why are you guys thinking about doing this?”
“After this incident happened at home, your father and I also thought it through. It’s not bad to work hard to earn money, but once we earn money, if we keep it, it will slowly depreciate in value. I thought that the hundreds of thousands of dollars in the family’s savings would be enough as long as we save it. But after this incident, we realized that it was far from enough. If any accidents happened in the future, with our family’s situation, it would be hard to avoid running out of money. You know, when you encounter difficulties, very few people will lend you money.”
“It’s a good thing to have a sense of investment and financial management. However, if you and Dad really want to invest, you can go to the bank and buy some regular financial products that are guaranteed. Why do you buy such irregular products?” Chen Jing said.
“The interest is high. Your uncles bought it last year. With 60% interest, 10,000 yuan a year can get 6,000 yuan. I saw that they even took back the principal and interest,” Xu Yanlan said.
“Then, how much do you plan to invest?”
“I’ve discussed with your father. Let’s invest 200,000 yuan first. In that case, we’ll get 320,000 yuan next year with principal and interest.”
After saying that, she prepared to write down her name on the signing column.
However, Chen Jing directly drew the contract over. He said, “There’s never anything like a pie falling from the sky. The high interest rate probably corresponds to the high risk. You’d better tell my uncles and the others not to take advantage of such a small thing. If they sign this contract, it might not be worth it.”
Because this contract was brought by his uncle, He Qingyou, Chen Jing did not directly say that it was a scam because he wanted to save his face. He was a little more tactful.
However, He Qingyou did not appreciate Chen Jing’s tactful words.
Instead, he sneered. “Chen Jing, you must have read too much. What’s not worth it if the contract is written in black and white? Are you implying that I’m lying to your parents?”
Saying this, he took the contract over. “Since that’s the case, Sister-in-law, Brother Yuan, since your son has such intentions, let’s forget about it.”
“There aren’t many spots to begin with. I spent a lot of effort to squeeze out one for all of you. If you don’t want it, there are plenty of people who want it. I also spent a lot of effort to help you because we’re relatives. But when your son said that, it was a little humiliating.”
“Sister-in-law, you saw with your own eyes that your brothers took money this year, including interest and principal. It’s written in black and white here. Do you really think I, He Qingyou, am a liar?”
Seeing that he was angry, Xu Yanlan quickly tried to persuade him. “Qingyou, don’t lower yourself to the level of a child. Chen Jing is also talking nonsense. Don’t mind him.”
“That’s right, Qingyou. Don’t lower yourself to the level of a child.” Chen Yiyuan also came to Chen Jing’s side, wanting to pull him a little further away.
He Qingyou was persuaded by this. His expression also softened a little.”Scholars need to be sensible. Although we are relatives, we also need to know what to say and what not to say. You’re already so grown up, yet you’re still so insensible? If someone else were to talk to me like this, do you believe that I would immediately turn around and leave? In any case, this isn’t my loss.”
“Yes, yes, yes. Don’t be angry. Children are short-sighted. Ignore him.” Chen Yiyuan smiled and tried to persuade him again.
“Sign it. I’ll sign it right now. Ignore Chen Jing. He doesn’t understand, so he’s a little worried.” Xu Yanlan also smiled apologetically.
He Qingyou’s expression did not look good as he handed the contract to the table.
But Chen Jing smiled at this moment.
He did not say it directly before because he wanted to take this uncle’s face into consideration.
He was trying to put it tactfully so that this uncle would have a way out so that he could end things himself. It would not be awkward.
But this uncle not only did not appreciate the kindness, he even blamed him and reprimanded him.
He even scolded him for reading so much that his brain had turned stupid!
He was kind and polite, but in return, he received this uncle’s ridicule.
Since that was the case, what was there to be polite about?
“Mom, do you believe that as long as you sign this contract, your 200,000 yuan will immediately go down the drain?” Chen Jing suddenly stood up again and spoke with a deliberately louder voice.
“You child, don’t talk nonsense.” Xu Yanlan gave him a look, telling him not to be unreasonable.
“I’m not talking nonsense. This is a Ponzi scheme. Uncle He is a liar,” Chen Jing said straightforwardly.
“You… don’t talk nonsense.” Chen Yiyuan also hurriedly pulled him back, hinting that he shouldn’t be rude. How could he say such things?
He Qingyou was angry again. He was even angrier and laughed instead. “Good, good, good. Brother Yuan, Sister-in-law, you’ve heard it too. You’ve raised a good son. Since that’s the case, give me the contract. If you don’t want to sign it, then don’t sign it. I’ll give this opportunity to someone else.”
“Qingyou, don’t be angry. Chen Jing, go back to your room.” Xu Yalan suddenly stood up and reprimanded Chen Jing.
She and Chen Yiyuan both believed in this investment because she had personally seen her brothers get their hands on the money.
As the saying went, ‘what you hear is false and what you see is true.’ Seeing it with her own eyes, it was naturally true.
Moreover, there weren’t many spots for this opportunity. He Qingyou had squeezed out one for them with great difficulty. This couldn’t be messed up with just a few words from Chen Jing.
“Mom, do you trust me or him?”
Xu Yanlan said, “Of course, I trust you too, but this isn’t a lie. Your uncles really got their hands on the money. Moreover, this financial management company has a limited quota for this Financial Management Type A product. Your uncle is really helping us.”
He Qingyou also lost his temper. “Sister-in-law, give me the contract. If you don’t sign it, then forget it. I’ll leave right now.”
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“Qingyou…” Xu Yanlan was caught in the middle and was also in a dilemma.
But she heard Chen Jing say again, “Mom, just give him the contract. See if he leaves or not.”
He Qingyou pointed at Chen Jing and said in a bad mood, “You… You brat, have you read your way into a dog’s stomach? Why is it that a dog bites Lu Dongbin? Why can’t you recognize a good person’s heart?”
“Uncle, it’s better for you to leave while there’s still a way out. Don’t wait for me to put it bluntly and make it awkward,” Chen Jing sneered.
“Heh, you put it bluntly? Go ahead, say it out loud. I really want to hear what you can say today. You’re pretending to know what you don’t know. You’ve only studied for a few years. What do you know about such high-end financial products?” He Qingyou said..