I generally like to run a comprehensive economic system in my game and I was wondering if there were plans to outline more in depth the activities of the Bank of Abadar and the Tax rates successful adventurers might face.
Is there a general income tax and if so at what rate is it set? From what I have seen it appears taxes are more a matter of being the unlucky individual that has run across a government individual looking to collect for a pet project than a natural calendar-based event.
In particular I think of how Korvosa leaves Abken alone for the most part until the local company commander decides he's had enough of those hippies and they need to fork over some Crowns.
I'm also curious to know how liberal the Bank of Abadar is giving out loans of various sizes, what kind of interest rates they might have and how they plan to enforce collection should someone default.
Is it a goal of the Church/Bank to eliminate poverty?
It seemed to me that the state could be lax on tax collection primarily for the scheme they've worked up with property rights defaulting to them after two years (especially with so many Korvosans being purged and the city generally being in a state of rebuilding itself).
How shrewd is Darb Tuttle and are there plans to flesh him and his organization out to a greater extent than the Guide to Korvosa already does?
Does the bank accept magical items as collateral, and if so what does it do with the items it is forced to take to compensate for a defaulted loan?
Speaking of magic items are there outlets beyond the Gilded Orrery, Sagitar Tiguan, Phaeton Skoda (Hedge Wizardry), Slicing Dicers and the Trapper's Hole? Does the Acadamae sell magic items?
Granted I can answer many of these questions myself. I'm just curious to know if any of these things will be addressed in the future, and if so in which products?
Contributor
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Most of your questions will probably never be addressed, but for those that will or that I can answer, I'll try to help you out a little. :)
Is it a goal of the Church/Bank to eliminate poverty?
Not in Korvosa, no. Among its many faults, Korvosa and its organizations has no pity for the poor.
How shrewd is Darb Tuttle and are there plans to flesh him and his organization out to a greater extent than the Guide to Korvosa already does?
Darb and the church of Abadar gets quite a bit of play time in the CotCT adventure path. James could tell you more about that, though. :)
Does the bank accept magical items as collateral, and if so what does it do with the items it is forced to take to compensate for a defaulted loan?
I'm sure it does. In the case of a defaulted loan, I imagine the church sells the items it can't use to magic item brokers or shops throughout the city.
Speaking of magic items are there outlets beyond the Gilded Orrery, Sagitar Tiguan, Phaeton Skoda (Hedge Wizardry), Slicing Dicers and the Trapper's Hole? Does the Acadamae sell magic items?
There are if you want there to be, and not if not. I kept the number of magic shops purposefully low so GMs can use them or lose them as they see fit (some GMs don't like magic shops and some want them on every street corner—I went with something in the middle). The Acadamae sells magic items only to students and faculty. Maybe alumni, but only if those alumni have in some way contributed to the school since their graduation. :)
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Maybe alumni, but only if those alumni have in some way contributed to the school since their graduation. :)
Sort of like designing those great uniforms? (sorry couldn't resist)
I'm in the keep magic item stores small, hard to find, and almost a guild. Anyone in my PBP take note - I usually make a list of what each magic item shop has at each of the major downtimes of the adventure. Each shopkeeper can get items from any of the shops in the city and they all share the profit. This method keeps prices reasonable, and keeps my PCs from saying "I go and buy X, and go from shop to shop until i find it" cities that are Chaotic don't share items or profit, but still have the limited inventory. PCs can go to get the items they want specially made, at 3x market price due to supply and demand..
Cheers... Any idea if Korvosa taxes its adventuring population?
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I do not see it. Another bug for Gary to squish!!!
well then reposting from the 'my accounts' from 6 hours 30 minutes ago:
wrote:
Maybe alumni, but only if those alumni have in some way contributed to the school since their graduation. :)
Sort of like designing those great uniforms? (sorry couldn't resist)
I'm in the keep magic item stores small, hard to find, and almost a guild. Anyone in my PBP take note - I usually make a list of what each magic item shop has at each of the major downtimes of the adventure. Each shopkeeper can get items from any of the shops in the city and they all share the profit. This method keeps prices reasonable, and keeps my PCs from saying "I go and buy X, and go from shop to shop until i find it" cities that are Chaotic don't share items or profit, but still have the limited inventory. PCs can go to get the items they want specially made, at 3x market price due to supply and demand..
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Contributor
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Sort of like designing those great uniforms? (sorry couldn't resist)
Precisely! I wish I had an Acadamae uniform to wear (the male version, of course). Snazzy!
I'm in the keep magic item stores small, hard to find, and almost a guild. Anyone in my PBP take note - I usually make a list of what each magic item shop has at each of the major downtimes of the adventure. Each shopkeeper can get items from any of the shops in the city and they all share the profit. This method keeps prices reasonable, and keeps my PCs from saying "I go and buy X, and go from shop to shop until i find it" cities that are Chaotic don't share items or profit, but still have the limited inventory. PCs can go to get the items they want specially made, at 3x market price due to supply and demand..
That's a great idea!
Creative Director
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I generally like to run a comprehensive economic system in my game and I was wondering if there were plans to outline more in depth the activities of the Bank of Abadar and the Tax rates successful adventurers might face.
We don't have plans to expand much more beyond what appears in Guide to Korvosa.
How shrewd is Darb Tuttle and are there plans to flesh him and his organization out to a greater extent than the Guide to Korvosa already does?
Darb is quite shrewd. He's not necessarily a nice guy, either. He gets some screen time in Pathfinder #8, and a little here and there thereafter. He'll never actually get a stat block though.
Does the bank accept magical items as collateral, and if so what does it do with the items it is forced to take to compensate for a defaulted loan?
Depends on how much you want to have loans a part of your game. The church of Abadar is certainly the closet thing Korvosa has to a bank, though, so if anywhere accepts magic items as collateral, it'd be the church of Korvosa.
Thanks for the response. I'm just curious because with this being so city oriented to start I am sure my players will want to acquire a base of operations, and even homes, not to mention find a reliable place to store their loot ala Church of Abadar, and I just wondered if there were plans to explain how the Church protects its assets, or if I could simply create my own without concern of conflict.
Money makes the world go round, and it seems that Korvosa is keenly aware of this.