The daily life of the science master's book-wearing group

Chapter 266 Loan Business and Education Business

Although Song Qingyue refused to issue a medical loan, Song Qingyue thought that she had nothing to do in terms of public health.

For example, build public toilets, public bathhouses, and set up water purification stations in the community. In addition, it is to promote the habit of drinking hot water and drinking boiled water.

Although Song Qingyue has made no achievements in medicine, it does not mean that she cannot contribute to the health of the ancient people.I don't know how to cure diseases, so I just try to make everyone less sick.

She wrote down the four small goals of public toilets, public bathhouses, building water purification stations, and promoting drinking hot water and drinking boiled water in the small notebook she carried with her, and typed it on the item "Promoting and promoting drinking boiled water" a five-pointed star.This is the easiest project with the lowest cost and the best benefit.

First let Niu Hesheng, Yujing, Yuxiang, and Mohen promote it in the school. The school provides well water that has been precipitated, boiled and cooled.

At the end of March, Song Qingyue took the time to visit several public toilets in the southern part of the city. As expected, they were not only dirty but also smelly.

So Song Qingyue immediately spent money to invite people from Yexianghang to help clean up the existing public toilets. They also prepared some sodium hypochlorite solution, that is, bleach water, to disinfect the public toilets.

But such a cleaning is obviously not enough, and follow-up maintenance is a big problem.

Before she came up with a countermeasure, Mo Yun couldn't stand the bathhouse, so she complained to Song Qingyue a few words.

In the north, there is a custom of going to public bathhouses to take a bath together. This tradition began in the Sui and Tang Dynasties. Especially in winter, it is too cold to bathe at home, and the bathhouses are warm and lively.

It's a pity that last winter, the roof of the only bathhouse in this area was crushed by heavy snow, and it has not been repaired so far. Fortunately, when the weather gets warmer, everyone is not so particular about it, and the roof is broken and big holes are still washed.

"We can wash ourselves in the house, but it is too troublesome to carry water and boil water. The bathhouse is not far away. It takes a few steps to walk, but now half of the wall has collapsed, and now there is only Women don't dare to wash when men go." Mo Yun said aggrievedly, "There is also Mohen, it is not easy to bathe children!"

"Why didn't you say it earlier?" Song Qingyue took a look at Yuxiang Yujing, and immediately asked Aunt Wang to inquire about the bathhouse.

"The bathhouse was opened by Lao Li's family in Yangwei Hutong. His family was hit by a disaster last year, and the old man at home suffered from the cold and walked away. I heard that a lot of money was spent on medical expenses and funeral affairs." Aunt Wang said.

Song Qingyue tapped her fingers twice on the slightly cracked old tabletop, and said, "Mo Yun, Feng Qi, go with Aunt Wang to Yangwei Alley and invite the Li family who run the bathhouse."

Aunt Wang immediately became happy when she heard that, and asked, "Is the concubine Shizi going to help repair the bathhouse?"

Song Qingyue nodded: "Let's see if Li Jiahe cooperates."

After half a cup of tea, the Li family was invited over.

Song Qingyue didn't make too much politeness, and said straight to the point: "I heard that the bathhouse was collapsed by heavy snow and it has not been repaired, which makes it inconvenient for so many people in my place to take a bath. If my concubine is willing to borrow money from you to repair the bathhouse, you Would you like to?"

The Li family came over in trepidation, thinking that when did this nobleman get upset, but in the end they wanted to lend them money to repair the bathhouse?
"This, this...annual interest, how do you calculate it?" Uncle Li is a businessman after all, so he quickly realized and asked the key question.

Aunt Wang became anxious when she heard it from the side, and hurriedly said: "Old Li, you haven't heard? There are so many people in our Scissors Alley who are building a two-story building, and the annual interest is only half of the annual interest! This amount can be paid back on a monthly basis!"

Uncle Li was confused when he heard that: "Half a percentage? Annual interest? Why do you still pay it on a monthly basis?"

Song Qingyue waved her hand to tell Aunt Wang to be calm, and asked Mo Yun to come forward and explain to Uncle Li.

"Master Li, don't worry. You must have heard of the reputation of our concubine. We are not so short of money that we need to rely on the people's money to live. We just think that the school is built here, so we have to give it to our children. We have a better environment. Everyone can take a good bath and come to school clean. It’s better than asking Mr. to look sloppy at first glance, isn’t it? Now everyone is a scholar!” Mo Yunwen Explain softly.

Having said that, Uncle Li immediately became serious. It is true that he is already a scholar, so he should be clean and decent.

"That's right, the so-called monthly payment means..."

Mo Yun's explanation was simple and clear. After Uncle Li understood it, he smiled and said, "That's good! That's good! Pay back a little every month, so you don't have to worry about not paying the money all of a sudden."

Mo Yun immediately said: "Well, you go back and calculate how much it will cost to renovate the bathhouse. You can calculate it tomorrow or the day after tomorrow, and then come to me to go through the loan procedures. Then I will calculate it for you. Every month How appropriate is it, let's make a written document and make two copies, we won't ask for interest indiscriminately in the future, and don't take us as a concubine."

"Okay! Thank you girl, thank you Shizifei!"

Uncle Li went back happily.

However, things did not go as smoothly as Song Qingyue imagined, because they were afraid that the price of the bathhouse after the renovation by the prince's concubine would increase. Don't take a bath at all.

But it's just for taking a bath, it's not impossible to wash at home.

So two days later, Uncle Li came over very embarrassed, and told Mo Yun that the money would not be borrowed, and the bathhouse would not be repaired, as it is now, it is not impossible to wash it with a few pieces of cloth.

Mo Yun was extremely helpless, and turned around to report the matter to Song Qingyue.

Song Qingyue raised her eyebrows and said with a smile: "Okay, then let's build a bathhouse ourselves. Let's go, pick a place first!"

Song Qingyue took people for a stroll around looking for a place, and while wandering around, she was thinking, why didn't she think of opening a bathhouse as a way to make money before?

Sure enough, she is still a southerner at heart. She was born in the south of the Yangtze River in her previous life, and she has spent more than ten years in Lingnan in this life, where public bathrooms are not popular.

But in the north, no matter what, how can there be no bathhouses?
The bathhouse is the soul of the northern residents' winter life!
The location of the bathhouse was quickly decided. Of course, while the bathhouse was being built, Song Qingyue also hired someone to clean up the nearby sewers.Although water needs to be pulled into the city from outside the city, there are sewers for drainage.

~
In April, the first season of spring rice on Xiaoliuqiu Island is almost ripe.

Li Zhao was dressed in short brown, with rolled trouser legs, hemp shoes on his feet, and an unshaven face. He looked no different from an ordinary farmer.

He led his men to test-fire the latest rifled artillery in the no-man's land at the southernmost tip of the island.

The sea water in Shawan, the southernmost tip of Xiaoliuqiu Island, is crystal clear light blue, which is very beautiful!

What a perfect place to spend your wedding anniversary if it wasn't so windy that it could blow people's heads all over the ground!

She just promised her last year, but this year she will renege on her promise, Li Zhao thought helplessly, holding his wife's bellyband in his hand.

Inspired by rifled guns, Master Tang, who made artillery, also tried to pull out the rifling on the inner wall of the barrel, and changed the round shells into pointed cylinders.

This kind of modification actually increased the range of the artillery by more than [-]%, and the development of the explosive ammunition also made progress due to the change in the shape of the shell.

This master Tang was originally a craftsman who made fireworks and firecrackers in the House of Internal Affairs.In an accident, unfortunately, an arm and an eye were injured.

When Zhengchou had no way out of life, he was found by King Su and asked him to study how to make the shells fired from the cannon explode again like fireworks after they hit the ground.

Every time King Su saw a big solid iron ball being blasted out by a cannon before, he felt that the damage caused was too small. Once watching fireworks during the Lantern Festival, he thought, why can’t the cannonball be made like fireworks? , Blast out and explode again?

The difficulty of this matter is that the fireworks only ignite the fuse, while the cannonball will first undergo a baptism of high temperature and high pressure in the barrel, and it is very likely that it will bloom directly in the barrel in advance.

How to delay the blooming of shells?

But since changing the shape of the cannonball to a long strip, this problem is much easier to solve.

Put the flowering part on the head, and insulate it with an iron sheet in the middle. When firing, the gunpowder at the tail of the shell will ignite an internal lead wire, so as to achieve the purpose of delaying flowering.

The cannonball was made, and the experiment was successful several times, but Li Zhao soon discovered that the performance of the flowering bullet was not stable. Half of the ten flowering bullets fired were duds that could not bloom.

Have to ask the masters to continue to improve.

In addition, they installed the new type of bearing specially designed by Song Qingyue for the steam engine on the big wheel of the ship, making the heavy paddle wheel more flexible and labor-saving.

The steamship will be ready for the launch test by the end of next month.

The masters said that if the power is strong enough, it is completely possible to wrap a layer of iron armor on the outside of the wooden boat.

With a steam engine, there is no need to worry about insufficient power.

When new technological breakthroughs came from the north continuously, Li Zhao knew that his Yue'er was fine, and Yue'er knew that he was fine.

He is working hard for the future here, and she is working hard in the far north with high spirits.

Whenever the cannon roared and the conical warhead spun through the three layers of hard and thick ship planks, he felt his blood was boiling, excited and trembling, with fear mixed with excitement. When Jiao Didi's little lady was able to create such a powerful thing, his heart was pounding violently.

If he knew that there is a saying in later generations called "really fucking emotional", his current complex, inexplicable, and full of emotions would probably be like that.

~
In the capital, Song Qingyue, who failed to refine coal tar for the Nth time and failed to synthesize ammonia for the N+1st time, felt very frustrated.

Recently, she got into the dead end of developing new explosives, but she always failed, which made her so depressed that she couldn't sleep at night.

TNT manufacturing failed, but the loan business expanded smoothly.

The sudden appearance of so many two-story buildings in Jianzi Hutong is very eye-catching to the residents of this shantytown. tenant!
In addition to tenants from other places, there are also residents in the capital who come to rent houses.

The reason is to make it easier for children to go to school.The school opened by the crown prince not only exempts students from training, but also provides a free lunch, and even provides charcoal pens and paper!

Those selected by the teacher with excellent grades will be given a set of pens, inks, papers and inkstones!

Gee!

So the nearby residents kept coming to ask what was going on.

After coming and going, the news about Shi Zifei lending money to them to build a house still spread, and the further it spread, the more and more people went to the Nursing Home to ask Mo Yun about the loan.

Mo Yun is now taking Mo Lan to the nursing home to handle loan matters.

Although this is a shanty town, but at least in the capital, there are few people who sneak around, and most of them are craftsmen or laborers.

Among the people who came to borrow money recently, there were indeed those who used their brains to cheat the money and ran away.

But Song Qingyue's loan system is very strict here, and she has a lot of talents there, and the secret guard is really easy to use!
Not only can they be bodyguards, they can help Song Qingyue teach those who displease her, and they are also excellent at collecting intelligence!
Anyone who comes for a loan will be secretly investigated by the group of hidden guards. They want to tear down the east wall to make up for the west, and borrow Song Qingyue's money to repay the usury they borrowed before. Such people will naturally be found out by the hidden guards. It is impossible to borrow money.

Mo Yun would not pay attention to these people.But Song Qingyue is definitely not willing to die. Mo Yun has recorded who is lending usury and who is persecuting the working people and handed it over to Song Qingyue.

The family named An in the Yangshu Hutong next door, all uncles and aunts are good people, but there is a Yaoer who is idle and loves to fight crickets, and was found out by Zeng Maozhi's men.

So Mo Yun canceled her family's loan qualification.

The father and mother of that family lost face in the alley because of this incident, and beat the cricket-playing son half to death when they returned home, and then dragged the son to Mo Yun to apologize, begging her to be accommodating on the loan issue.

Mo Yun shook her head resolutely: "I asked you at the beginning if anyone in the family had bad habits such as drinking and gambling, and you told me no. Isn't fighting crickets gambling? This is not just your son's problem, but yours. The question of lying to us. The concubine Shizi said that you have to strictly control the credit of the borrower without any collateral for such a low-interest loan. It is you who are not trustworthy first, and I am powerless!"

Aunt An's face was flushed by Mo Yun's words. If it was an ordinary family, she might have beaten her up and down, but the owner of this family was the Crown Princess of the Prince's Mansion, and she really didn't dare to make a fuss.

Mo Yun and the others really didn't dare to lend money at will, and their names were recorded for every loan, and they were responsible for any problems!

At the end of April, Song Qingyue, who had failed another experiment, came back from the cave to the nursing home in frustration. Mo Yun reported to her the recent loan business situation.

Song Qingyue nodded, expressing her satisfaction. By the way, she handed over the records of being forced to borrow loan sharks to Zeng Maozhi, and said, "Go and find out who is behind these loan sharks. If it is related to the abolished prince or the Duke of Jing If you don't, you will make the news that "the royal relatives and relatives put usury money and force the common people to death" to everyone in the capital. By the way, send a few more people to beat those green-handed hooligans who specialize in helping people collect debts at night with sacks. But don’t kill or maim them, let them learn enough lessons and throw them to Baoding to mine.”

Make the best use of everything, and garbage can also be recycled.

Zeng Maozhi and a few of his men's eyes lit up instantly when they heard that they could use sacks to attack again!Everyone is gearing up and planning to do something big.

Feng Jiu looked at Song Qingyue eagerly, as if she was very interested in the matter of putting on a sack and beating a sap.

Song Qingyue smiled helplessly: "Next time! I will call you next time."

The development of gunpowder is not going well, and Song Qingyue is not in a good mood recently. She propped her head and looked listlessly at the chemical formula on the draft paper, and asked Mo Yun, "Mo Yun, help me do the calculations, assuming the cost of hiring a salesman The monthly payment is five taels of silver, and there is a [-]% bad debt rate, do the math, how much business does each salesperson need to take every day in order not to lose money?"

She took another look at everyone in the room, including Yu Jing and Yu Xiang, both of whom seemed to be more interested in this loan business than how to raise children.

"You two do the math too, and see if you can get it right."

Yuxiang and Yujing picked up the charcoal pens, but suddenly found that they didn't know how to answer this question, and they didn't even have an idea.

Song Qingyue looked at the ledger and thought to herself that she is really a profiteer. In fact, according to this repayment method, the annual interest rate is more than 5.00%, because the borrower starts repaying the loan from the first month, but this problem It seems that even Mo Yun didn't realize...

Mo Yun quickly calculated the result, but she didn't rush to answer, but waited for Mo Lan to finish the calculation before asking Mo Lan to speak first.

Mo Landao: "Assuming that each loan is 63 Wen on average, at least 750 loans will be made every month, and at least [-] loans will be made a year. If the average loan is less than [-] Wen, then you need to do More."

Song Qingyue nodded and looked at Mo Yun: "Is there anything to add?"

Mo Yun said: "It is easy to handle such a large number of loans, but timely follow-up, management and supervision of repayment will become more and more difficult as the number of odds increases."

Song Qingyue sighed: "Yeah, I think so too. This doesn't include other costs. If we start other businesses in the future, the amount of calculation will be even more terrifying."

If the deposit business is added in the future, is the amount of calculation beyond the reach of human beings?

What would the banking industry do without computers?I can't imagine it!

"What's the best way?" Song Qingyue looked at Mo Yun.

Mo Yun thought for a while, and said: "First, the repayment time should not exceed two years, so that each salesman can follow up [-] loan transactions at the same time. In addition, a wooden cabinet needs to be divided into many grids. Mark the date on it, and place the files according to the date. Check the repayment status of the borrower at three-month intervals."

Song Qingyue nodded: "Draw the cabinet and let me see."

After dealing with the matters related to the loan, she turned her head to look at Mohen again, and said, "How is the private school going?"

Mohen immediately said: "At present, there are 18 boys coming to class, ranging from four years old to 17 years old, and there are quite a few girls, 13 of them. But most of them will go back to help at home after lunch. Live. There are not many boys who only have half-day classes."

"Are there any mischievous and bullying classmates in class?"

Mohen said: "Yes! There is a chubby little boy from the Lin family in the alley next door. He often takes three or four people with him to run on students who are not registered in the capital."

"Let them drop out of school." Song Qingyue immediately said sternly, "Especially those who bully classmates, drop out of school immediately, and those with bad character, we won't accept them."

The Crown Princess is in a bad mood recently, and Mo Hen knew it. She paused, took a deep breath, and said, "Why don't you give me a few chances? Children here lack the guidance of their parents, and it is inevitable to make mistakes."

"Then don't provide lunch to those children, or let them starve, or let him bring his own food! Next time, he will never be merciless, just let him go!"

"How about giving three chances?" Mo Hen was still fighting for the children, "It's really okay to ask Sister Feng Qi to beat her up."

Song Qingyue tilted her head and thought for a while: "Let's not do anything, let the parents come and beat them in front of us. If the parents are reluctant to beat their children, let them take the children away."

Mohen nodded and said, "Okay, I know what to do."

Song Qingyue said again: "Smart and good grades are the same as in our house. At the end of the month, scholarships are given, No. 1 is given 2 Wen, No. 3 is given [-] Wen, and No. [-] is given [-] Wen. What about the school expenses? ?”

Mo Hen hurriedly showed the account book to Song Qingyue. Song Qingyue glanced at it and saw that there were scrambled eggs and pork liver for lunch almost the next day, and the purchase price was not expensive. She asked, "Who is responsible for the purchase?"

"It's Dongping." Mohen said, "Dongping is responsible for the food purchases of the private school and nursing home."

"Well done, Dongping!" Song Qingyue praised, and gave Dongping a small silver bean from her purse, and Dongping was overjoyed to take the silver bean.

"It's done, let's stop here today, I'm going to report back to Ensi, if you have any problems here, come and tell me in time."

Song Qingyue stood up and was about to take people away. As if she suddenly remembered something, she looked at Guanshi Wu who was standing beside him without any sense of presence, and said, "Guard Wu, go back to Zhuangzi, you are no longer needed here."

"Ah! Concubine Shizi! If there is something wrong with the little one, you can point it out, and the little thing needs to be corrected!" Wu Guanshi was extremely panic-stricken.

Song Qingyue sneered: "I really want to go back in my heart, so don't act in front of me! Tonight, I'll pack up my bed and go back wherever I came from." She waved her hand and led her away.

Looking back at these small courtyards, Song Qingyue felt that they were still too cramped.

This month, some people put their children at the gate of the nursing home again, and the number of children is increasing.

Song Qingyue clicked her tongue irritably.

Zeng Maozhi immediately asked: "The Imperial Concubine thinks the yard is too small?"

"Yes, it would be great if I could buy the whole alley." Song Qingyue sighed, shook her head, and said, "Let's talk about it later, I haven't figured out what to do yet."

(End of this chapter)