Money Lending

You gain loan conditions automatically when you have to little money in downtime to pay for your expenses because you are wounded. You cannot gain loan conditions any other way.

Condition Loan
Unique Rule When you gain this condition you receive 50¢ for every level of this condition.
Unique Rule You lose 1¢ per month for every level of this condition.
Unique Rule You can lose this condition by paying 50¢ for every level of this condition.
Unique Rule If you do not lose this condition in a year, people might pay you a visit to get their money in the form of items, labour or other things of value.
Details You have a loan with a respectable person in your home community that trusts you to pay him back.

There are always people with ideas but without the funds to act on these ideas. If you have the funds you might be able to make a profit from other people their ideas. You can use investment conditions to represent the fact that you put money into a starting business. When you receive these conditions it is cool to discus with the GM's what business plan exactly you have invested in.

Condition Investment
Unique Rule Every month there is a change of 10% that you will lose this condition.
Unique Rule Every month there is a change of 20% that you will gain the share level x item and lose this condition. x is random and ranged from 15 to 25.
Unique Rule You can gain this condition by spending 2000¢. You can only do this once per year.
Details You have found a person with an good idea. The idea might work; or it might not. Your money is in their hands now. But if you have enough money to burn and an understanding of the law of large numbers...
Condition Shady Investment
Unique Rule Every month there is a change of 40% that you will lose this condition.
Unique Rule Every month there is a change of 40% that you will gain the share level x item and lose this condition. x is random and ranged from 15 to 25.
Unique Rule You can gain this condition by spending 2000¢.
Details You have found a person with an get rich quick scheme, a business plan and he wants to cut you in... he just needs some money to get started.

After a company has been created trough an investment, the player will hold 20% of the shares. In effect, the other party will hold 4 shareholder conditions of the same level (80% of the company); which can later be bought by players.)

Shares usually cost around 250 ¢ per level. But this obviously fluctuates a lot.

Item Share
Market price Var
Unique Rule You gain 10¢ for every level this item has per month.
Unique Rule Every month the level and price of this item can fluctuate.
Shared Rule All the share items of a single company are all the same level.
Shared Rule Depending on the amount of shareholders you might have a say in the company its policy.
Details You are co-proprietor of a business. You receive a monthly dividend from this business depending on how well the business is doing.

Comments

Re: Money Lending

Money lending goes both ways of course. You might have enough money to help out somebody in need.

Skill Loanshark
Points 4
Rule Every month there is at least one person asking you for money because they are in need. You will get a paragraph detailing their request. You can choose to lend them money or to ignore them. If you choose to lend them money you will need to choose an interest rate. If the person accepts your rate than the arrangement is made. If other loansharks operate in the same area they might compete with your rates.
Rule If you choose to accept their request you will get an IOU condition detailing the arrangement.
Details You have a reputation as a loanshark. People come to you when they are desperate for coin.

Re: Money Lending

Sometimes normal money lenders don't trust you enough to pay back the loan. This tends to happen when you are disconnected enough from society that you can just walk away from you local responsibility. If that it the case you might still be able to get a loan but you will probably have to pay a very steep fee. Of course, if you see this coming you might be better of lending money from characters during the events instead of during downtime; those characters might offer you a better deal.

Condition Risky Loan lvl x
Rule When you gain this condition you receive 25 copper for every lvl of this condition.
Rule You lose x copper per month.
Rule You can lose this condition by paying 25 copper for every lvl of this condition.
Rule If you do not lose this condition in a year, people might pay you a visit to get their money in the form of items or slave labour.
Details You have found somebody that wants to loan you money in these harsh times, but because of your reputation, or lack thereof, he wants a steep interest.
Condition Unbound Traveller
Points 2
Rule You cannot gain the "home" or "loan" condition.
Rule You can lose this condition at the beginning of any event.
Rule After every event you can choose a different location to go to spend downtime.
Rule At the beginning of every event you receive one free rumour and a list of items that are expensive or cheap in your location.
Details You are not bound to a single location. Note that you can certainly roleplay an unbound traveller without this condition.