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FASA Games, Inc.FASA Games Forums and News 2018-09-25T01:39:58 http://fasagames.com/forum/app.php/feed/topic/942 2018-09-25T01:39:582018-09-25T01:39:58 http://fasagames.com/forum/viewtopic.php?t=942&p=8095#p8095 <![CDATA[Re: Banking in Barsaive]]>

How would banks deal with the enormous difference in life expectancy between races? In Earthdawn the only effect would probably be whether they would accept a long term loan from someone (20 years loan on that elf? sure! Same for an orc? Hell no, he'll be dead before I'm paid back).

In a more advanced settings (like Shadowrun) it would be even more pervasive: how do you set a retirement plan for someone who can live 300 years? Or just (at best) 40? Where do you set retirement age? Elves would get an enormous advantages on long term investment (so would dragons, if they could manage not to get assassinated).

Statistics:Posted by Bonhumm — Tue Sep 25, 2018 1:39 am

]]> 2018-09-24T01:14:562018-09-24T01:14:56 http://fasagames.com/forum/viewtopic.php?t=942&p=8080#p8080 <![CDATA[Re: Banking in Barsaive]]>
Moneychangers and Merchant Bankers
It isn’t always wise to travel with large amounts of coin, or the wrong kind of coin for the realm. Moneychangers charge 5% to change from one money to another. They will also store coin for a fee of 5%. A few recognized Merchant Houses from Throal have offices in the larger Barsaivian cities will offer a Bill of Exchange. For a fee of 10%, a Bill of Exchange can be purchased that can be exchanged for the local coin once the customer arrives in the city.

I don't know that it is the final version, but is a version.

Statistics:Posted by Slimcreeper — Mon Sep 24, 2018 1:14 am

]]> 2018-09-23T21:37:392018-09-23T21:37:39 http://fasagames.com/forum/viewtopic.php?t=942&p=8077#p8077 <![CDATA[Re: Banking in Barsaive]]>
TheOracle wrote: ↑
Fri Aug 03, 2018 11:10 am
Is there a banking system in Barsaive, possibly in Throal? Where does an adventurer store his fortune when he doesn't want to carry it around with him? Orichalcum coins are all well and good, but are easily lost.
The Chamber of Vaults in Travar's Tower of Commerce more or less covers this. Handles contracts. Stores money. Give Loans. Converts currency.

Statistics:Posted by Flowswithdrek — Sun Sep 23, 2018 9:37 pm

]]> 2018-08-17T05:11:182018-08-17T05:11:18 http://fasagames.com/forum/viewtopic.php?t=942&p=7502#p7502 <![CDATA[Re: Banking in Barsaive]]> Statistics:Posted by BahtRastard — Fri Aug 17, 2018 5:11 am

]]> 2018-08-04T09:23:572018-08-04T09:23:57 http://fasagames.com/forum/viewtopic.php?t=942&p=7204#p7204 <![CDATA[Re: Banking in Barsaive]]>
Bonhumm wrote: ↑
Fri Aug 03, 2018 12:04 pm
Letters of credits would make even more sense in a world where magic exist for it would be easier to check for forgeries and the speed up the transfer of information between branches.
Excepting that magic also makes it easier for better forgeries to be made. Forgery is now a Talent Knack of Slough Blame.

Statistics:Posted by ChrisDDickey — Sat Aug 04, 2018 9:23 am

]]> 2018-08-04T00:38:392018-08-04T00:38:39 http://fasagames.com/forum/viewtopic.php?t=942&p=7198#p7198 <![CDATA[Re: Banking in Barsaive]]> Statistics:Posted by daniel_a — Sat Aug 04, 2018 12:38 am

]]> 2018-08-03T20:49:362018-08-03T20:49:36 http://fasagames.com/forum/viewtopic.php?t=942&p=7193#p7193 <![CDATA[Re: Banking in Barsaive]]> Statistics:Posted by Calamrin — Fri Aug 03, 2018 8:49 pm

]]> 2018-08-03T14:20:422018-08-03T14:20:42 http://fasagames.com/forum/viewtopic.php?t=942&p=7186#p7186 <![CDATA[Re: Banking in Barsaive]]>
etherial wrote: ↑
Fri Aug 03, 2018 1:11 pm
House Carinci will gladly take your coin and forward a letter of credit via Obsidimail to any of their counting houses anywhere in the Empire. Even in the Rogue Province.
I could actually imagine that the trading houses have many of the functions that banks perform in the modern world. That's a good hint! Thank you!

Statistics:Posted by TheOracle — Fri Aug 03, 2018 2:20 pm

]]> 2018-08-03T13:11:092018-08-03T13:11:09 http://fasagames.com/forum/viewtopic.php?t=942&p=7184#p7184 <![CDATA[Re: Banking in Barsaive]]> Statistics:Posted by etherial — Fri Aug 03, 2018 1:11 pm

]]> 2018-08-03T12:58:282018-08-03T12:58:28 http://fasagames.com/forum/viewtopic.php?t=942&p=7183#p7183 <![CDATA[Re: Banking in Barsaive]]> In Babylonia of 2000 B.C., people depositing gold were required to pay amounts as much as one sixtieth of the total deposited. Both the palaces and temple are known to have provided lending and issuing from the wealth they held—the palaces to a lesser extent. Such loans typically involved issuing seed-grain, with re-payment from the harvest. These basic social agreements were documented in clay tablets, with an agreement on interest accrual. The habit of depositing and storing of wealth in temples continued at least until 209 B.C., as evidenced by Antioch having ransacked or pillaged the temple of Aine in Ecbatana (Media) of gold and silver.

Earthdawn has all means to secure loans, bloodoaths, spirit communication, with paper money only one step away...

Would be fun to have an adventure with some hyperinflation or someone pulling off a ponzi scheme...

Statistics:Posted by Lursi — Fri Aug 03, 2018 12:58 pm

]]> 2018-08-03T12:04:522018-08-03T12:04:52 http://fasagames.com/forum/viewtopic.php?t=942&p=7182#p7182 <![CDATA[Re: Banking in Barsaive]]>
I am sure there is several places that offer to rent space in secure area like vaults and the likes, especially in a place with so many kaers. If that place resisted Verjigorm, it will resist a thief.

I could see the existence of basic banking services as they begun in 11th century: usury loan, money changing and letters of credits.

Letters of credits would make even more sense in a world where magic exist for it would be easier to check for forgeries and the speed up the transfer of information between branches.

Statistics:Posted by Bonhumm — Fri Aug 03, 2018 12:04 pm

]]> 2018-08-03T11:10:222018-08-03T11:10:22 http://fasagames.com/forum/viewtopic.php?t=942&p=7181#p7181 <![CDATA[Banking in Barsaive]]> Statistics:Posted by TheOracle — Fri Aug 03, 2018 11:10 am

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