After the whole family was swept away, I lay down flat

Chapter 581 Property Purchase
Do you need to seek advice from someone about this kind of thing?
Hai Jiao answered casually, "We don't know the personalities of the Hu brothers and sisters, so what can we do? If you don't want them to live in your home, and Aunt Jin can't spare the time to look after them, you can just rent two other houses outside and let them live there for a few months. As long as they survive this winter, they can go back home with Aunt Jin to accompany the coffin next spring. The elders of the Hu family will take over the rest, so you don't need to worry about it."

Jin Jiashu had the same idea originally, but when he thought about how he had managed to arrange something in secret without telling Ma Shangyi, something went wrong, and he felt a little unsure, so he wanted to seek the advice of the Hai family brothers and sisters. Now that he saw that Hai Jiao had the same idea, he felt much more at ease: "I think so too. Although Hu Yingyuan was a bit unruly, that was in the past. Now that the brothers and sisters have been sold once, they will not still remember Jin Wu's kindness and clamor to find him, right? As long as they are willing to behave themselves, I am happy to spend a little money to buy peace and quiet, anyway, I can afford it now."

Haijiao reminded him, "Xiao Jin, you have spent a lot of money this year. Although you are now the head of the family and have no shortage of money, you still need to be restrained and not be too arbitrary. You don't know how many years you will stay in Chang'an, and you don't have any income on weekdays. If you spend money lavishly, if you run out of money, you can't expect the empress in the palace to help you, right? That would be too embarrassing. You have a rich family background, as long as you save a little, you can still live a comfortable life in the next ten years. But you also have to think about the future, you can't be out of money in ten years, right? If you save a little, you may be able to save a sum of money in ten years. When you arrive in the capital, let your aunt help you set up a family business, and you and your children and grandchildren will be able to sleep soundly for the rest of your life."

Jin Jiashu knew that Hai Jiao was thinking about him, so he lowered his head and said obediently, "Brother Hai, don't worry, I won't spend money recklessly. I'm also thinking about buying a house in Beijing in the future, otherwise how can I live in peace?"

Haitang smiled and gave him some advice: "In my opinion, it is a bit too conservative to rely on savings in Chang'an for the past few years. Living off the savings is not a long-term solution. Brother Jin, why don't you buy some property in the city to add some income? When you leave in the future, you can find a good friend with a wealthy family and sell the property. Not only will you not lose money, but you can also earn the income of the past few years for free!"

Jin Jiashu blinked and praised, "Good idea!" Then he hesitated, "But Mammy asked me to concentrate on my studies, and I'm afraid she won't be happy with me distracted from managing any business. I've never experienced this since I was a child, so I really don't know what to do."

Haitang thought this matter was easy to handle: "Then don't buy a property that requires troublesome management. Just find a good location, buy one or two shops, and rent them out to collect rent. Every month, you only need to send someone to collect the rent, and you don't have to worry about other things. You only have to calculate this account every month, which doesn't take half a cup of tea. What's the big deal? If Ma Shangyi is worried, she can take over this job. It's much simpler than household accounts. Brother Jin, as long as you have two or three taels of rent income every month, you will have twenty or thirty taels of pocket money a year. The expenses for daily reading, pens, ink, paper and inkstone are all covered, and you can even have some money to buy new books!"

Jin Jiashu was moved. This seemed like a good idea. When Lu Ga Wa and Zhou Xiao Jian chatted with him, they mentioned that the shops in the Cheng Huang Temple area were doing a booming business and had high rents. The two children from poor families were daydreaming that if their family could own a shop on this street, even if they just stayed at home and collected rent, they would have 180 taels of silver a year, and the whole family would be able to live a rich life and no longer have to worry about livelihood issues.

Of course, the shop with high rent also has a high selling price. Although Jin Jiashu has a lot of money, he is not rich, and the best shops are out of his reach. But even if he can only buy a shop in a remote area at the corner of the street, he can still receive a few taels of rent every month, which is much better than living off his savings. When he wants to leave, he can just sell the shop. The price of shops in such prosperous areas has always been very stable. In peaceful times, the price will only increase, so there is no need to worry about losing money.

The sister of the Hai family is so smart that she can give him such a good idea off the cuff.

Jin Jiashu hurriedly thanked Haitang: "Sister Hai, you reminded me! I'll ask someone to inquire about the market conditions of the shops outside."

Seeing that he was interested in buying a property, Hai Jiao gave him some advice: "Although the shops in the Chenghuang Temple area are good, the properties in this area are all owned by someone, and no one will sell them out easily. Even if someone really sells them, you may not be able to compete with those aristocratic families. Although you have the Empress in the palace behind you, and there are maids from the palace at home, you just want to buy two shops and collect some rent. There is no need to mobilize a large number of people. Once too many people know that you are a relative of the Empress in the palace, it will be difficult for you to live a quiet life in the future. So I suggest that you look for ideas elsewhere. Chang'an City is so prosperous, and so many merchants from all over the world gather here every year. Are only the shops in the Chenghuang Temple area good for business?" Jin Jiashu said hurriedly: "I have just arrived and I don't go out on weekdays. I really don't know which prosperous markets there are in the city. Brother Hai, please teach me more, otherwise I will really be in the dark and don't know how to find them."

Haitang: "If you don't know something, just ask Zhou Xiaojian and the others to find out. They are all local residents in Chang'an and have been walking around the streets since they were young. How could they not know the market situation? Leave the matter to them and you can make the final decision."

Jin Jiashu quickly agreed.

Hai Jiao thought of something and said with some regret: "It's a pity that you came to this idea too late. If you had wanted to buy property earlier, it would have been a good time to buy property when Du Boqin, the vanguard of Chang'an, did something bad at the beginning of the year. He has been the vanguard of Chang'an for so many years, with the support of the Seventh Branch of the Zhou Family and the Sun Family secretly giving him benefits. His family is very rich! There are many farms, houses and shops in the Chang'an area. Those big farms and good shops are targeted by someone, and the scraps are enough for you to eat. Unfortunately, now that things have changed, all the properties that his family sold have new owners. Now it's too late for you to start."

In addition, a large number of Tang family members were transferred to other places. Some of them sold some non-ancestral properties to raise money for their new posts. Unfortunately, the Tang family still stayed in Chang'an, and most of the properties sold by the Tang family members were taken over by their own family, and some were bought by relatives and acquaintances. Now there is nothing left.

After these two good opportunities, it was not so easy for Jin Jiashu to find a good shop in the city. If he did not want to borrow the power of Concubine Xu or the Zhou family, how could a young man who had just started studying compete with the rich for good things?
Haitang made another suggestion: "You don't have to buy a shop with high rent in a busy street. As long as you can do business in a place where you can rent out the shop and have a stable rental income, it's fine. Brother Jin is not going to do business himself, so why think so much? For example, you can open a food store or warehouse in a place where foreign merchants gather, sell food, wine and dishes near the barracks and the parade ground, sell food, clothing and daily necessities near a large workshop with many craftsmen, sell carriage parts or horse harnesses near a carriage shop, warehouse and business, etc...."

Anyway, as long as someone can find a place to open a shop and the shop owner can receive rent, it's fine. Small businesses are less likely to make people jealous.

As Jin Jiashu listened, his eyes widened wider. Even Haijiao, who was standing beside him, nodded frequently and began to think seriously about whether he should spend his own pocket money to buy himself a small property.

(End of this chapter)