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Post by Ian (Menace) on Jul 17, 2019 14:41:41 GMT
The Olem-Murnelvar Trading Company is a wholesale import-export company operating between Daring Heights and Crimmor in Amn. It doesn't store other people's money, but if anyone wants to invest in Company shares, that might be open for discussion. If the ask is simply to store cash, I am sure OMTC has a vault somewhere with spare capacity. Given they do all business by teleport, that vault could conceivably even be at their secure HQ in Amn. My point is that safety deposit boxes shouldn't be a complicated feature to integrate, as that doesn't have any game altering mechanical implications. The possibility of loan origination however does - and a quite positive one, I would think, but this is clearly a contentious issue. One I look forward to debating with you all! |
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Post by Ian (Menace) on Jul 17, 2019 14:45:54 GMT
To be fair to you Ian (Menace) , this was Varis/G'Lorth/Sundilar 's first comment, so it's not an unusual request. I offer you a response, and a justification from a DM point-of-view: Why wouldn't a bank offer loans (to PCs)? Adventurers are too risky an investment (as Markas Virnala said). They could turn up dead or missing and never pay back the loan. D&D is about journey and reward, not the instant gratification of a credit line (See Tugark taking 2 years to buy half a boat, might have been a whole boat if I played more and DMed less). That is entirely fair, and I appreciate the discussion! The rationale for not offering loans to adventurers makes sense as well. If the bank just offers safety deposit boxes, that should really not be a big issue. I still like the possibility of a loan system for the future though, but I guess as a way to limit its potential for abuse, as you rightly point out, it may have to be tied to an adventurers reputation for reliability, which would come with experience. At that point the PC probably commands quite a bit of wealth already. I just see this as a possibility to enhance the RP flavouring and potential plot generation as well, but I understand the hesitation and concerns. |
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Post by Markas Virnala on Jul 17, 2019 14:46:50 GMT
My only thing with the idea of safety deposit boxes is:
We already all run around with large amounts of money and dont need to worry about them until we spend it on something.
If we played with coins having weight and there being rules for encumberment being enforced I'd say having a safe place to leave it is needed but without I dont think it makes much difference?
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Post by Markas Virnala on Jul 17, 2019 14:47:42 GMT
Without trying to make more work for myself though, I think loans falls under Downtime activities lol
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Post by Ian (Menace) on Jul 17, 2019 14:48:14 GMT
My only thing with the idea of safety deposit boxes is: We already all run around with large amounts of money and dont need to worry about them until we spend it on something. If we played with coins having weight and there being rules for encumberment being enforced I'd say having a safe place to leave it is needed but without I dont think it makes much difference? Tell that to Sgt Grimes who lost a whopping 20gp to the nimble fingers of a lvl2 tabaxi rogue.  |
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Post by Markas Virnala on Jul 17, 2019 14:49:25 GMT
True but you would likely still ha e small amounts on you anyway otherwise you couldn't function properly. Pickpocketing is always a risk 😜
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Post by Ian (Menace) on Jul 17, 2019 14:53:24 GMT
Maybe Markas Virnala would like to expand his House of Wonders to creating a professional safe storage location for more than just coin?  |
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Post by Heret Velnnarul on Jul 17, 2019 15:01:26 GMT
The Olem-Murnelvar Trading Company is a wholesale import-export company operating between Daring Heights and Crimmor in Amn. It doesn't store other people's money, but if anyone wants to invest in Company shares, that might be open for discussion. If the ask is simply to store cash, I am sure OMTC has a vault somewhere with spare capacity. Given they do all business by teleport, that vault could conceivably even be at their secure HQ in Amn. My point is that safety deposit boxes shouldn't be a complicated feature to integrate, as that doesn't have any game altering mechanical implications. The possibility of loan origination however does - and a quite positive one, I would think, but this is clearly a contentious issue. One I look forward to debating with you all! Sorry if I was unclear. I'm not trying to argue about whether the OMTC could look after people's money, I'm just telling you (as the player of a character who is one of the two directors of the Company's Daring Heights branch) that it doesn't. I agree that it could (though I notice there's a tendency for everyone to assume it's some kind of huge multinational company, which it really isn't – it's a start-up with a decent chunk of capital but not a lot of infrastructure). But it currently doesn't, and at the moment I can't see any particular reason why it would start now. Of course if somebody (in character) wants to try to persuade Heret otherwise, then I'm very happy to role-play that conversation. Heret loves to talk business. |
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Post by Markas Virnala on Jul 17, 2019 15:07:17 GMT
I'm sure there can be a way to manage it. But definitely needs to be somewhat "renown" based. Maybe PCs need letters of recommendation or should be well known in the community
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Post by Ian (Menace) on Jul 17, 2019 15:10:15 GMT
If the ask is simply to store cash, I am sure OMTC has a vault somewhere with spare capacity. Given they do all business by teleport, that vault could conceivably even be at their secure HQ in Amn. My point is that safety deposit boxes shouldn't be a complicated feature to integrate, as that doesn't have any game altering mechanical implications. The possibility of loan origination however does - and a quite positive one, I would think, but this is clearly a contentious issue. One I look forward to debating with you all! Sorry if I was unclear. I'm not trying to argue about whether the OMTC could look after people's money, I'm just telling you (as the player of a character who is one of the two directors of the Company's Daring Heights branch) that it doesn't. I agree that it could (though I notice there's a tendency for everyone to assume it's some kind of huge multinational company, which it really isn't – it's a start-up with a decent chunk of capital but not a lot of infrastructure). But it currently doesn't, and at the moment I can't see any particular reason why it would start now. Of course if somebody (in character) wants to try to persuade Heret otherwise, then I'm very happy to role-play that conversation. Heret loves to talk business. That's totally fine, and makes sense if that cash deposit service isn't really paid for (where's the incentive than for the provider) and I was not trying to persuade you that OMTC should be doing this. I am more interested in the possibility for loan origination, but appreciate that others, and especially DMs may be sceptical. And btw thanks for the clarification, I did assume OMTC to be a mercantile juggernaut, akin to the East India Company, thanks for clearing that up. |
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Post by Tugark (Retired) on Jul 17, 2019 15:13:54 GMT
Power to the people: If PCs want to band together to create a Credit Union and give out centralised loans then I'm sure that can be done with a spreadsheet.
But overall, and I'm sure there are other DMs who will differ from the following sentiment, IMO this is a campaign about adventure and discovery in an unknown land - It is not a business/downtime simulator.
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Post by Sunday on Jul 17, 2019 15:31:38 GMT
“Jesus H. Corbyn... is this what adventuring has become....?!”
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Jamie J
Junior Member
Player of Taffeta, Heret, Dwirhian, and Egg; Downtime DM
Posts: 78
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Post by Jamie J on Jul 17, 2019 15:39:05 GMT
I'll say this for the loan idea: 'I need to earn lots of money within a tenday or some loan-sharks will break my toes' is a decent motivation for going on an adventure. ☺️
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Post by Skylerian Morningdew on Jul 17, 2019 15:40:02 GMT
"Oh, I don't know," says a smooth voice from the corner of the office/bar/street/mind palace. "Business is definitely something of an adventure," continues Sky, stepping into view. "The high seas of cutthroat finance, eh, Tugark? The attack and riposte of investment and re-investment, and the, aha, collateral damage of a (ad)venture gone wrong. Did I hear someone mention the possibility of company shares for sale?"
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Post by Ian (Menace) on Jul 17, 2019 16:06:23 GMT
I'll say this for the loan idea: 'I need to earn lots of money within a tenday or some loan-sharks will break my toes' is a decent motivation for going on an adventure. ☺️ that does sound like a recurring origin story. |
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