I’m A Baller

　　 watched [Habit Training Device] shining brightly in the mall, as if it could be held by hand, but in fact it was out of reach. That kind of depression made the joy of getting the system faded in half.

　　 30,000 yuan is actually nothing. In 11 days, Wang Yan can save enough by himself.

　　 But, there are only 8 hours now.

　　 Wang Yan is really good.

　　 My mother has a deposit of about 100,000, but there is no reason to borrow, and there is no reason to take it. She doesn't have online banking.

　　 Among the other classmates, only He Meng and Qiu Xiaogu were able to put out 30,000 yuan at any time, but they were not familiar with them.

　　 Or... Ask He Meng, what kind of service is needed?

　　Thinking left and right, I really can't help it, Wang Yan had to shut down the system and no longer worry about it.

　　 It shouldn't be us, wait for the next product...

　　 I have to find something to ease my mood.

　　 Wang Yan tilted his head to think about it, and opened Taobao again to study air conditioning.

　　 The temperature in the central region this year is too abnormal. There has been almost no snow in winter and no rain in summer. The high temperature of 35 degrees has lasted for nearly a week. It is said that the highest temperature in the next few days will reach 40 degrees.

　　 Mom and dad felt sorry for the money and couldn't bear to buy an air conditioner. Wang Yan thought, before going to college, they would have to install one for them, or it would be too uncomfortable to sleep at night.

　　 When there is more money in the future, I will buy them a house to live in, prop up the house in advance, and then consider spending money to pretend to be forceful, otherwise I will always feel guilty.

　　 is that excuses are not easy to find...

　　 When he thinks of explaining to his parents where the money came from, Wang Yan’s head is so big that he feels more torturing than the college entrance examination.

　　 was worrying, the door of the courtyard next door suddenly rattles, and soon, a young man in his 20s passed by the courtyard wall, Wang Yunxi, the neighbor of Wang Yan's family.

　　 "Brother Xizi, come back so early today?" Wang Yan said hello politely.

　　 "Oh, Xiaoyan, why didn't you go out to play?"

　　 "As far as today's temperature, who is going to play with whom?" Wang Yan vomited.

　　 "It's not so bad, the weather is so hot!"

　　Wang Yunxi grinned and nodded, took off his white shirt and twisted it, his sweat dripped to the ground.

　　 "Xiaoyan, you will wait for brother."

　　Wang Yunxi jumped into the house in two steps, took out the watermelon from the refrigerator and inserted two spoons, went over the wall to Wang Yan, and put it on the table.

　　 "Come on, eat watermelon!"

　　 Wang Yan is not polite, picking up the spoon and digging a large piece.

　　Wang Yunxi is not an outsider, but a relative of the Wang family who just came out of the five clothes. He is counted by seniority, even Wang Yan is called uncle.

　　 I just lived in the city for a long time, and everyone didn't pay much attention to that. Wang Yunxi still called Wang Yan's father San Ye, but he had different opinions with Wang Yan.

　　 Two sips of watermelon, sweet and cold, Wang Yan's heat disappeared, and he was too comfortable.

【Ding! You taste the delicious watermelon and trigger the mysterious reward]

　　 [You get a skill, and therefore open the personal panel]

　　 Fuck!

　　 I have never bought a lottery ticket in my entire life. !

　　 What a surprise, Wang Yan was so surprised that he couldn't believe it.

　　 1% probability, one hit hits, can you believe it?

　　 Such a Europe, will it be a skill that can get 30,000 yuan? !

　　 quickly opened the personal panel, and instantly, a 3D Xiao Wang appeared in the new interface.

　　 [Host: Wang Yan]

　　 [Basic attributes: Strength 64, Constitution 63, Agility 68, Intelligence 65]

　　[Skill: Food-eating spirit]

　　 Food-eating spirit is a particularly interesting skill.

　　 But, it has nothing to do with money.

　　 Wang Yan was somewhat disappointed, and continued to watch, but gradually became happy again.

　　 The note is: Passive skills, you can vaguely perceive the quality of the ingredients and pick the best.

　　 Wang Yan smacked for a long time, and finally realized: I don’t have to be afraid of not being sweet when I pick watermelons.

　　 must have a thin skin and a more delicious taste. Isn’t it amazing? !

　　 Although it has nothing to do with money, Wang Yan is still very happy.

　　 After all, making money is to enjoy life, so enjoy food skills!

　　 Papa Ma is rich, right?

　　 You throw a cart of watermelons to Papa Ma and ask him to pick the best one. Do you think he has any tricks?

　　 Hey, no?

　　 Wang Yan is really a silly boy who is particularly easy to satisfy. He feels that he has got a magical skill to slap the world's richest man, and the depression just now disappears.

　　 Next, look at the basic attributes.

　　The system has notes——

　　 An adult male over 18 years old has an average attribute of 60 points and a limit of 100 points.

　　 60 points average, 70 or more excellent, 80 or more genius, 90 or more genius.

　　 Seeing this, Wang Yan only felt his brain hurt.

　　 I am really ordinary, none of them are below the pass line, and none of them meet the standards of excellence.

　　According to a normal distribution, talents like Wang Yan are the vast majority of all living beings.

　　 Because the evaluation of each attribute is very complicated and strict.

　　 Some people have a good memory, but their logic is slightly poor, or their spatial imagination is slightly weak, so their total intelligence score is not high.

　　 Some people have very good cardiorespiratory endurance, but the bed endurance is average and their physical fitness is not high.

　　 In short, everyone has their own advantages and shortcomings. The world as a whole is still made up of ordinary people. Tianzong Wizards have only produced one for hundreds of years. Just think about it.

　　……

　　 Wang Yan dug a spoonful of watermelon again, and his heart suddenly moved.

　　 "Brother Xizi, I remember what loan company you work for? What's the matter?"

　　Wang Yunxi didn't lift his head, and said casually: "Credit microloans. Haven't heard of it?"

　　 "No." Wang Yan shook his head, but became more and more interested in his heart, and asked Baba, "Brother, tell me."

　　 Being idle is also being idle, Wang Yunxi treats it as idle nonsense and talks with Wang Yan.

　　 Credit loan is a kind of loan that does not require mortgage or guarantee, and uses personal credit as the guarantee of repayment.

　　 The lending range of micro-credit loans is generally between 50 and 100,000 yuan.

　　 With the liberalization of financial reforms, UU reading www.uukanshu. com micro-credit loans are sweeping the land of China at an extremely fast speed.

　　Wang Yan usually doesn't pay much attention to external affairs, but occasionally sees some news on the Internet. It seems that campus loans are making a lot of noise, so he has some impressions about small loans.

　　 Listening to Wang Yunxi's explanation, Wang Yan finally understood what was going on.

　　 can be described in nine words: low-threshold black-hearted loan sharks.

　　 Even a conscientious company can double in three years. A company with a higher interest rate can double in two years.

　　 "It's so shit...Is there anyone borrowing this stuff?"

　　Wang Yan couldn't figure it out, but Xizi brother dismissed his lips: "There are so many borrowers! Some people have bad credit and lack money. Where can they go if they don't borrow this money?"

　　 "Credit?"

　　 "It is the personal credit report issued by the People's Bank of China, which shows whether you have a loan, default or something. After you graduate, you need a good credit report to buy a car, buy a house and apply for a loan."

　　 Wang Yan suddenly realized: "Like Alipay Sesame Split?"

　　 "Yes." Wang Yunxi nodded.

　　 "Our small loans only check the credit investigation, not the credit investigation. After borrowing the money, even if you do not repay it, at least it will not be reported on the personal credit report, and it will not affect the regular loan in the future."

　　 Wang Yan was stunned: "Wouldn't there be a lot of people failing to account?"

　　 "Otherwise, why do you think the interest rate is so high? Don't you just use high interest rates to cover bad debts! Certainly some people will not pay back, but as long as the rate of good and bad debts is controlled, the company will still make a big profit."

　　 "The company makes a lot of money, and we make small fortunes, haha!"

　　 Wang Yunxi smiled, and put a finger up: "Last month, I made this number!"

　　 Wang Yan's eyes lit up, and he blurted out: "Brother, lend me thirty thousand!"