Harkwip once again hung out with Pabra's friends.
The world is difficult, and it is too difficult for him and a few like-minded friends to earn enough resources to attack fifth-ring mages or cultivate more fourth-ring companions with less energy.
Red Rock City has made some money in the more than half a year since its opening, but this kind of hard-earned money is really hard to earn, and no one has the time to delve deeply into the mysteries of magic.
Another group of friends who parted ways before encountered the same problem.
The sugar water business is quite profitable, but it’s not easy to do it recently because the purchase is really restricted.
It is said that excessive consumption of sugar water will lead to malnutrition in the outpost and Wangtingshu, so sugar licenses are no longer issued. The existing licenses limit the purchase of 30 tons per day.
There are now five sugar factories under the Phoenix King's rule, and they are making money. However, the supply is too large and they cannot be sold at a high price. Compared with when the Pabula group had a monopoly on the business, the profits have shrunk to only one-third.
If you want to make more money, you have to sell farther away, but you are not familiar with the road of life, and you don't know how many strong people there are in the middle. You can only explore the road in a small way first, and then slowly expand.
There is no other way, let’s just make do with it together.
The two groups joined forces again, looking for opportunities while doing business, and finally they got the opportunity to open a bank.
The money bureau and cash cabinet are all good, but they are completely incomparable to the newly built bank in Red Rock City.
I heard that there is also a cross-border cash box in the human world, but no one knows how it works, but I guess it is definitely not as advanced as Phoenix Bank.
Phoenix Bank was changed to Phoenix Bank and Obsidian Bank. On the surface, the function may not be as good as a money bureau because it does not lend money.
But after actually going to Phoenix Bank to inquire about starting a banking business, you will know that this is a business that cannot be compared with money lockers.
The reserve system can ensure that depositors can still get part of their refunds when the bank goes bankrupt. This is equivalent to being endorsed by the Phoenix King's credit. As long as he has not been overthrown, this credit will continue to facilitate the bank's business.
It is impossible to say that ordinary cashiers will not bribe the lord, but the relationship is completely different. The lord can at most ensure that no local snake will cause trouble when the cashier is operating. If he does not pounce on him first and take a bite when something goes wrong, he can be called a moral vane.
The reserve fund is not money given to the lord. This money is equivalent to being deposited in Phoenix Bank, leaving a way out for everyone, not only for depositors, but also for those who open the bank.
Opening a cash box is a very risky business. In general, to open a cash box, at least a fifth-ring mage is required to be in charge. Anyone who lacks force and wants to make this money has already been torn to pieces and eaten.
But under the Phoenix King, reserves tied the bank to himself.
If the Phoenix King does not go back on its promise, it means that once the bank goes bankrupt, a large amount of reserves will have to be returned.
Neither Hackweap nor the other friends believed that anyone would be willing to give away the money they received.
Going one step further, is building a bank name the same as breaking ground on the Phoenix King?
Maybe the Phoenix King doesn't think so, but it doesn't matter. Hackweap and others will think so, and so will others. So when you really want to attack the bank, you have to consider the cost.
With such a relationship foundation, Pablo Group dared to think about it.
The advantage of Pabra's group is that there are many mages. If you include those non-core members who only have second level, they can make up twenty mages in total. The disadvantage is that there are not even one with fifth level.
Opening a small cash register is not a big problem, but running a cross-influence business is a bit awkward. Even if you have money to hire senior personnel in this business, you can't trust it too much. In the end, it all depends on yourself.
Opening a bank may be an opportunity. You don't have to worry too much in the early stage. Just set up an out-of-town bank to earn some deposit and withdrawal fees and loan interest in other places, so that the mages of the Pabra Group can have some time to study.
There is no need to consider the location of this foreign bank, it must be Blackwater City.
Blackwater City is actually not the closest city to Red Stone City. Simply based on distance, it wouldn’t even be in the top five.
However, in terms of size and complementarity, there is no other place that can replace Blackwater City's status.
Not only nearby, but even by the Luna River, there is no other city that produces both coal and iron. Blackwater City is the only one. The so-called limit of the iron plant far exceeds everyone's transportation capacity.
Pabula's group has specifically investigated and found that Blackwater City's iron, coal, and coking coal are all produced by people, so there is a demand for off-site deposits and withdrawals for large transactions in opening a bank.
Of course, the unit price of these items is relatively limited. It may cost only two to three thousand yuan in one lump sum. Adding sugar into it, it probably can barely maintain the daily expenses of the Heishui City branch, including the local security personnel.
To really make money, you have to look at borrowing money.
It's just that the Pabra Regiment has limited strength, and Blackwater City is a big city, so they don't dare to make too much noise.
In short, both ends can make a little profit, which can subsidize the lost profits of the sugar production part. Once there are a few more fourth-ring mages, or someone rises to the fifth ring, you can relax a little more.
…
Blackwater City.
Lord Doc is a very lazy person, and he doesn't pay much attention to the affairs of the city on weekdays. The Lord's army can only guard against large-scale casualties in the city.
In fact, most lords are like this. As long as the people can ensure that the taxes they pay every year are not reduced, they will not bother to take care of things.
The recent tax collection season has just passed, and a situation emerged that even Doak was attracted to - this year's tax bill was nearly 10% higher than in previous years.
It is normal for taxes and fees to increase, but such an increase is somewhat unexpected.
Lord Dok couldn't read the account book and would get a headache, so he asked the butler to read it to him.
As a result, I had no idea after listening to it.
"Have there been more?" Doc asked.
The dog-headed military advisor next to him responded: "Yes, Lord, the income from agriculture, mining and hunters has increased."
"Why?"
Blackwater City has existed for a long time, and all aspects of revenue and expenditure have entered a stable period, and there will not be an increase of 10% for no reason.
The dog-headed military advisor was still hesitating, and Doc noticed something was wrong: "Huh?"
The dog-headed military advisor immediately spoke: "It's iron. I heard that someone purchases iron ore and coal and sells iron in the city."
"Ah?" Doc was even more confused, "You mean someone transported coal and iron to other places, made it into iron, and then sold it back?"
What kind of business is this being run by a moron?
"……should be."
Doc was a little confused. After a moment of silence, he asked again: "Why are there more agricultural taxes?"
"Because many blacksmiths no longer make iron themselves, more iron tools are produced, and farmers have more tools to clear up wasteland."
"It's so true!" Doc found it a bit magical that the blacksmith's efficiency was actually related to the size of the agricultural land.
The dog-headed military advisor was used to the lord's fat head, so he stood aside silently without saying anything.
Doc didn't pay much attention to it. As long as it wasn't the impact of espionage activities, it wasn't worth caring about.
Prepare dry rice.
Doc spends six hours a day cooking, which not only makes him feel better, but also makes his mind more flexible.
Halfway through the meal, he suddenly asked: "Do you know who is buying and selling iron ore?"
Iron and coal are very cheap, but iron-making mainly consumes manpower. Selling iron alone only earns a lot of hard money. Those who do this kind of business are simply kind people.
"...I don't know, little one."
In fact, the housekeeper who is a part-time dog-headed military advisor knows, but there are some things that the lord does not necessarily need to know.
Doc wiped his mouth without moving his head, staring at the housekeeper with four blood-red eyes: "I suddenly want to know."
"Send someone to check right now."
Habit is a very scary force. Lord Doc's appearance is very scary, but after a long time, the housekeeper doesn't think these tentacles with eyes are so scary.
"Go." He waved his hand, just like chasing away small animals.
"yes."
The butler exited, thinking about how to arrange things.
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