God of Life Chapter 3: This exploded skills?
Watching the [habit culture instrument] gleaming in the mall felt like it was within reach yet just out of grasp. The joy from the system was dampened by a sense of unattainability.
30,000 yuan, in reality, isn't much. In 11 days, Wang Yan could save enough.
However, there are only 8 hours left now.
Wang Yan's realization is spot on.
His mother has about 100,000 in savings, but borrowing without a reason isn't justified, and there's no time to withdraw. She lacks online banking.
Among his classmates, only He Meng and Qiu Xiaogu could produce 30,000 at any time, but they're not familiar.
Otherwise... ask He Meng if she needs any services?
Wang Yan pondered this for a moment but quickly dismissed the idea.
He's neither a white jade pestle nor a unicorn dragon, not worth 30,000.
Zuo Siyou thought sincerely, there's no way, Wang Yan had to shut down the system, no longer thinking about it.
This might not be meant for us; we'll wait for the next item...
He needed something to lift his mood.
Wang Yan tilted his head in thought, opened Taobao again, and decided to explore air conditioners.
This year, the central region's temperature is abnormal. Almost no snow in winter and no rain in summer. The 35-degree high temperature has lasted for nearly a week, and it's predicted to reach 40 degrees in the next few days.
His parents hesitated to buy an air conditioner, and Wang Yan thought he should get them one before going to college. Otherwise, sleeping at night would be too uncomfortable.
Wait for more money in the future, buy them a house, and set up a place in advance. Then consider the extravagance of spending money to pretend to be guilty.
The excuse wouldn't be easy to find...
As he contemplated how to explain the source of the money to his parents, Wang Yan's head began to ache. Just thinking about it tormented him more than the college entrance examination.
While worrying, the door next door creaked open. Soon, a young man in his 20s passed by the wall – Wang Yan's neighbor, Wang Yunxi.
"Brother Xizi, back so early today?" Wang Yan greeted politely.
"Hey, Xiao Yan, why aren't you out playing?"
"With today's temperature, who wants to go out?" Wang Yan complained.
"True, it's scorching out there!"
Wang Yunxi grinned, pulled off his white shirt, twisted it, and drowned in sweat.
"Little words, try some watermelon."
Wang Yunxi stepped into the house, pulled out half a watermelon from the refrigerator, inserted two spoons, and walked over to Wang Yan, placing it on the table.
"Come and have some watermelon!"
Wang Yan wasn't shy, picked up a spoon, and dug in.
Wang Yunxi isn't an outsider; he's a relative of the Wang family who just came out of the countryside. Having lived in the city for a while, no one pays much attention to such things. Wang Yunxi still calls Wang Yan's father "Sanye," but he and Wang Yan have a different relationship.
Nibbling on the watermelon, sweet and nourishing, coolness permeating through him, Wang Yan found relief from the heat. He was enjoying the comfortable moment.
[Ding! You taste delicious watermelon, triggering a mysterious reward]
[You acquire a skill. Open the personal panel.]
What the heck!
Never in his life has he bought a lottery ticket!
Wang Yan was so surprised that he couldn't believe it.
A 1% probability, one hit – can you dare to believe it?
In this Europe-like situation, could it be... a skill that brings in 30,000 yuan?!
He quickly opened the personal panel, and instantly, a 3D version of Wang Yan appeared on the new interface.
[Host: Wang Yan]
[Basic attributes: Strength 64, Constitution 63, Dexterity 68, Intelligence 65]
[Skill: Eating the Goods]
Eating consciousness is a particularly interesting skill.
However, it has nothing to do with money.
Wang Yan was a little disappointed, but as he continued to read, he gradually became happy again.
The explanation read: a passive skill that allows you to vaguely perceive the quality of ingredients and pick the best among them.
Wang Yan sucked in a deep breath, finally realizing – no more worrying about choosing watermelons.
They must be thin, watery, and tasty. Isn't that right?!
Even though it had nothing to do with money, Wang Yan was still very happy.
After all, making money is about enjoying life, and enjoying the skills that involve food!
Daddy Ma is rich, right?
You can give Daddy Ma a cart of watermelons and let him choose the best one. Do you think he has any tricks?
Hey, isn't it?
Wang Yan is truly a simple child, easily satisfied. He feels like he got a magical skill that can outshine the world's richest people. The earlier depression disappeared.
Looking at the basic attributes next, the system had notes:
Adult males over 18 years old, the average value of the attribute is 60 points, and the limit is 100 points.
Average 60 points, excellent 70 or more, genius 80 or more, genius wizard 90 or more.
Seeing this, Wang Yan felt his head ache.
We're really just ordinary, below average, not meeting any excellent standards.
In fact, according to the normal distribution, talents like Wang Yan are the vast majority of people.
Because evaluating each attribute is complex and strict.
Some people have good memory but weaker logic or spatial imagination, resulting in a not-so-high overall intelligence score.
Others might have excellent cardiorespiratory endurance, but average stamina in bed and a not-so-high physique.
In short, everyone has their advantages and disadvantages. The world is still composed of ordinary people. Celestial geniuses have only appeared for hundreds of years. Just think about it...
...
Wang Yan took another spoonful of watermelon and suddenly had an idea.
"Brother Xi, I remember, what loan company do you work for? What's the deal?"
Wang Yunxi didn't raise his head and casually replied, "Credit micro-loan. Haven't you heard of it?"
"No," Wang Yan shook his head, growing more curious. "Brother, tell me."
Since they were both free, Wang Yunxi explained casually, popularizing knowledge for Wang Yan.
A credit loan is a type of loan that doesn't require collateral or a guarantee. It uses personal credit as a guarantee for repayment.
The range of small credit loans typically falls between 5,000 and 100,000 yuan.
With the liberalization of financial reforms, small credit
loans are spreading rapidly across China.
Wang Yan usually doesn't pay much attention to outside matters, but he occasionally catches some news on the internet. It seems that campus loans are prevalent, so he has some impression of small loans.
After listening to Wang Yunxi's explanation, Wang Yan finally understood.
In nine words, it's a low-threshold, black-hearted loan shark.
Doubling in three years is somewhat ethical; companies with higher interest rates can double in two years.
"Is it so easy... are there many people borrowing this thing?"
Wang Yan couldn't comprehend, but Xi Zi dismissed it with a smirk, "There are quite a lot of people borrowing! Some people have bad credit and are short on money. Where else can they borrow this money?"
"Credit?"
"It's a personal credit report issued by the People's Bank of China that shows whether you have a loan or a breach of contract. After you graduate, you need good credit to buy a car or get a home loan."
Wang Yan suddenly understood, "Like Alipay Sesame Credit?"
"Yes," Wang Yunxi nodded.
"Our small loans only check credit, not credit history. After borrowing money, even if you don't repay it, at least it won't go on your personal credit report, and it won't affect future regular loans."
Wang Yan was puzzled, "But won't there be many people not paying it back?"
"Otherwise, why do you think the interest rate is so high? Isn't it necessary to cover the bad debt with a high interest rate? Certainly, some people won't pay back the money, but as long as the bad debt rate is controlled, the company still makes a lot of money."
"The company gets a big share, and we make a small fortune, haha!"
Wang Yunxi chuckled and raised a finger, "Last month, Brother earned this much!"
Wang Yan's eyes lit up, and he blurted out, "Brother, lend me thirty thousand!"