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<blockquote data-quote="steeldragons" data-source="post: 6583414" data-attributes="member: 92511"><p>I'll chime in with the "I don't see the problem" crowd. 12k is hardly "too much." Maybe it allows for some good times and living comfortably for a month (presuming the group won't stay put for more than a month in-game time).</p><p></p><p>Assuming your group is of the "evenly divided" mind, that's 3,000 per PC in a 4 PC group.</p><p></p><p>Assuming replacements/purchases/repairing basic adventuring equipment, armor, weapons, spell components, etc... and "comfortable" (if not extravagant) living for a few weeks to a month, even a few minor/depletable magic items [potions, a scroll or two] will eat up a small amount.</p><p></p><p>"Excavation" Tax: Before they're even buying equipment, to get into the city (if it's a moderately sized city), officials are going to be looking for their cut. Say 10% of "acquired" loot. </p><p></p><p>"Open Carry" Tax: If the city they're in has a modicum of law and order, openly carrying weapons is likely reserved for the nobility/officials. You want to walk around armed? 50gp per person...except maaaybe for staff carrying characters ("You wouldn't deprive an old man of his walking stick?"). Or maybe, for the big guys laden with multiple [more than 2 obvious weapons] blades, 20gp per weapon! Pay for 3 and the daggers are free! <img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" class="smilie smilie--sprite smilie--sprite1" alt=":)" title="Smile :)" loading="lazy" data-shortname=":)" /> Gate house/guard/city official NPC interactions ensue. </p><p></p><p>"Exchange Rates": What is the weight of coins? 50 to 1 lb? [let's say it's 50 since I dont' know what it is and don't feel like looking it up]. How many of these 4 PCs want to be walking around with an extra 60 lbs? I'm not suggesting "use encumbrance" on the whole. I certainly don't. Fast and loose, as makes common sense. I don't care/want to be bogged down in accounting weight of every individual piece of normal stuff. But an extra large chunk, like above 50lbs, is a significant addition to an individual's load and should be accounted for. This brings us to some business with the Moneylender/Jewel Merchant/etc... [NPC] to change the bulk of the weight/coins into usable sized gemstones (which can then be ignored for encumbrance purposes). Again, NPC interactions ensue. At best, the PCs will get away with a 5% loss coins to gems...the moneylender is in the business of making money, too, after all.</p><p></p><p>Right. So you've paid your "taxes", you're inside the city, you've arranged your accommodation and bought/stocked up on your basic gear, with easily carried loads of the remaining loot. Let's say all of that gets us down to 2200 per PC. Still a goodly chunk of change.</p><p></p><p>Where to now? That's character dependent.</p><p></p><p>"Tithes": Clerics? Paladins? Monks? There's a minimum of 10% going to temples, orders, monasteries, and/or various generic charities/donations (feeding the poor, orphanages, hospitals, etc...). </p><p></p><p>"Dues": Any Mages or Sorcerers in this city's Wizarding Guild? (in Glantri I would expect so). Even if not membership "dues", per se, Mage, Sorcerer, [maybe even] Warlock or Bard PCs might be interested in consulting with them, identifying items, using libraries and otherwise doing research with/in the Mage Guild's facilities. That's going to cost you...whether a pecentage of your total wealth or, more likely, a flat fee for X gp per day access to the guild's resources. Again, NPC interations/RP opportunities.</p><p></p><p>"Bribes": Rogues [maybe Bards], likewise, if not actual guildmembers (assuming this city has a thieves' guild of some level of competence), you will pay 10% [let the PCs haggle down to -but not lower than- 5%] to satisfy the thieves' guild and keep their grubby little hands out of your party's coffers. A group of wealthy adventurers just came into town with a haul? Pay up or take your chances. Yeah, if I were playing a Rogue character I would get in touch with the local "Hands" and make sure we were copacetic before my stuff started disappearing/I -or any of my companions- was getting mugged/attacked in my bed. Maybe we want to pay off a few guardsmen to turn a blind eye to any shenanigans we want to engage in. Maybe we want to throw a few silver to some urchins [recalling our own background/upbringing] to keep their eyes and ears open for interesting info for us. Build some "good will" with local business owners/commoners. NPC interations/RP -and potential plot hook- opportunities ABOUND!</p><p></p><p>"Other People's Investments": A group of wealthy mercenaries have come into town and are throwing money around you say? The wizard or sage doing research on some important project, seeking some item/place, nobles with business interests or opportunities, lords looking to bolster their armed forces [perhaps you'd like to become a knight of the realm? A townhouse in the wealthy part of town? Some title-post with no responsibility?]...People, whether desperate, conniving or just plain greedy come a-calling for investors to contribute and furhter their schemes. NPCS and plot hooks' potential galore!</p><p></p><p>Finally, we get to "Your OWN Investments": Does the character want a headquarters/house, an inn or other business of their own? I think building a castle/keep at this point is out of the question. Hire your own force of mercenary guards/small army? Mounts? Warhorses for EVERYONE! Oh wait, they have to be equipped, housed and fed too don't they? Maybe commission some works of art (an epic poem/song, a great painting, sculpture) to your greatness. Commission some other great work/project...build up fortifications, aqueducts, bridges, cathedrals, or other "experimental" engineering projects. Become a general/noted philanthropist...at least for the immediate region...whatever's left in your belt pouch isn't going to get you any reputation of note too far from the particular city where this work is.</p><p></p><p>What's left? Not more than a couple of hundred for some emergency, I would wager. Oh look, it's time to pay for your next month's rent at the inn/boarding house. No problem, Mrs. Innkeeper...here ya go. </p><p></p><p>What's left now? Did someone say there was a magic item shop/crafter in this city somewhere? </p><p></p><p>"Hey, Brutis, can I borrow...<count, count>...150gp? I'll pay you back, I swear!"</p></blockquote><p></p>
[QUOTE="steeldragons, post: 6583414, member: 92511"] I'll chime in with the "I don't see the problem" crowd. 12k is hardly "too much." Maybe it allows for some good times and living comfortably for a month (presuming the group won't stay put for more than a month in-game time). Assuming your group is of the "evenly divided" mind, that's 3,000 per PC in a 4 PC group. Assuming replacements/purchases/repairing basic adventuring equipment, armor, weapons, spell components, etc... and "comfortable" (if not extravagant) living for a few weeks to a month, even a few minor/depletable magic items [potions, a scroll or two] will eat up a small amount. "Excavation" Tax: Before they're even buying equipment, to get into the city (if it's a moderately sized city), officials are going to be looking for their cut. Say 10% of "acquired" loot. "Open Carry" Tax: If the city they're in has a modicum of law and order, openly carrying weapons is likely reserved for the nobility/officials. You want to walk around armed? 50gp per person...except maaaybe for staff carrying characters ("You wouldn't deprive an old man of his walking stick?"). Or maybe, for the big guys laden with multiple [more than 2 obvious weapons] blades, 20gp per weapon! Pay for 3 and the daggers are free! :) Gate house/guard/city official NPC interactions ensue. "Exchange Rates": What is the weight of coins? 50 to 1 lb? [let's say it's 50 since I dont' know what it is and don't feel like looking it up]. How many of these 4 PCs want to be walking around with an extra 60 lbs? I'm not suggesting "use encumbrance" on the whole. I certainly don't. Fast and loose, as makes common sense. I don't care/want to be bogged down in accounting weight of every individual piece of normal stuff. But an extra large chunk, like above 50lbs, is a significant addition to an individual's load and should be accounted for. This brings us to some business with the Moneylender/Jewel Merchant/etc... [NPC] to change the bulk of the weight/coins into usable sized gemstones (which can then be ignored for encumbrance purposes). Again, NPC interactions ensue. At best, the PCs will get away with a 5% loss coins to gems...the moneylender is in the business of making money, too, after all. Right. So you've paid your "taxes", you're inside the city, you've arranged your accommodation and bought/stocked up on your basic gear, with easily carried loads of the remaining loot. Let's say all of that gets us down to 2200 per PC. Still a goodly chunk of change. Where to now? That's character dependent. "Tithes": Clerics? Paladins? Monks? There's a minimum of 10% going to temples, orders, monasteries, and/or various generic charities/donations (feeding the poor, orphanages, hospitals, etc...). "Dues": Any Mages or Sorcerers in this city's Wizarding Guild? (in Glantri I would expect so). Even if not membership "dues", per se, Mage, Sorcerer, [maybe even] Warlock or Bard PCs might be interested in consulting with them, identifying items, using libraries and otherwise doing research with/in the Mage Guild's facilities. That's going to cost you...whether a pecentage of your total wealth or, more likely, a flat fee for X gp per day access to the guild's resources. Again, NPC interations/RP opportunities. "Bribes": Rogues [maybe Bards], likewise, if not actual guildmembers (assuming this city has a thieves' guild of some level of competence), you will pay 10% [let the PCs haggle down to -but not lower than- 5%] to satisfy the thieves' guild and keep their grubby little hands out of your party's coffers. A group of wealthy adventurers just came into town with a haul? Pay up or take your chances. Yeah, if I were playing a Rogue character I would get in touch with the local "Hands" and make sure we were copacetic before my stuff started disappearing/I -or any of my companions- was getting mugged/attacked in my bed. Maybe we want to pay off a few guardsmen to turn a blind eye to any shenanigans we want to engage in. Maybe we want to throw a few silver to some urchins [recalling our own background/upbringing] to keep their eyes and ears open for interesting info for us. Build some "good will" with local business owners/commoners. NPC interations/RP -and potential plot hook- opportunities ABOUND! "Other People's Investments": A group of wealthy mercenaries have come into town and are throwing money around you say? The wizard or sage doing research on some important project, seeking some item/place, nobles with business interests or opportunities, lords looking to bolster their armed forces [perhaps you'd like to become a knight of the realm? A townhouse in the wealthy part of town? Some title-post with no responsibility?]...People, whether desperate, conniving or just plain greedy come a-calling for investors to contribute and furhter their schemes. NPCS and plot hooks' potential galore! Finally, we get to "Your OWN Investments": Does the character want a headquarters/house, an inn or other business of their own? I think building a castle/keep at this point is out of the question. Hire your own force of mercenary guards/small army? Mounts? Warhorses for EVERYONE! Oh wait, they have to be equipped, housed and fed too don't they? Maybe commission some works of art (an epic poem/song, a great painting, sculpture) to your greatness. Commission some other great work/project...build up fortifications, aqueducts, bridges, cathedrals, or other "experimental" engineering projects. Become a general/noted philanthropist...at least for the immediate region...whatever's left in your belt pouch isn't going to get you any reputation of note too far from the particular city where this work is. What's left? Not more than a couple of hundred for some emergency, I would wager. Oh look, it's time to pay for your next month's rent at the inn/boarding house. No problem, Mrs. Innkeeper...here ya go. What's left now? Did someone say there was a magic item shop/crafter in this city somewhere? "Hey, Brutis, can I borrow...<count, count>...150gp? I'll pay you back, I swear!" [/QUOTE]
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