PFS converting GP to Gems is there a cost?

[Besnik]

So I am a little halfling with a weight problem. The gp from the PFS missions is just dragging me down. I was wondering what, if any, costs are associated in converting my coins to lovely and light gems?

[caubocalypse]

Besnik wrote:

So I am a little halfling with a weight problem. The gp from the PFS missions is just dragging me down. I was wondering what, if any, costs are associated in converting my coins to lovely and light gems?

It can be assumed there is a banking system available in Golarion, or you store your cash at your house / local Pathfinder lodge, whatever you want to dream up. In any case, don't count gold weight unless you want to carry it around all the time.

[Besnik]

I just assumed because there was no mention in the guide for organized play you had to haul everything. I also remember reading that there was a charge to "buy" gems(cannot get just for value). I am new to the Society so I just wanted to be sure.

Thanks.

[clarence garrett]

Besnik wrote:

So I am a little halfling with a weight problem. The gp from the PFS missions is just dragging me down. I was wondering what, if any, costs are associated in converting my coins to lovely and light gems?

As Joseph pointed out.. there are many many many ways around the coin weight. so many i have yet to ever hear of or see first hand a GM break out a calculator and add up a players coin weight...

that said at my tables if you want to haul out the 5000 cp reward better have a sack and a strong back! :-)

[Dessio]

I put a portion of my gold into jewelry... not only does it support my character's affection for bling, it also dovetails with a few special social skill rules that encourage/require the display of expensive jewelry.

I always assumed that like gems, jewelry could be treated as a 'trade good' and resold for its purchase price... aka be a way to store wealth in great density.

Be curious to see what the PFS consensus is on gems, if not jewelry, being resold for full value.

[Besnik]

Hmm...trade goods. That is brillent! Gems could be counted as that and all my problems are solved. That or "bling".

[clarence garrett]

Besnik wrote:

Hmm...trade goods. That is brillent! Gems could be counted as that and all my problems are solved. That or "bling".

Gems and Jewlery are not trade goods

PFG Core Rulebook page 140 wrote:

Table 6–3: Trade Goods

Cost Item
1 cp One pound of wheat
2 cp One pound of flour, or one chicken
1 sp One pound of iron
5 sp One pound of tobacco or copper
1 gp One pound of cinnamon, or one goat
2 gp One pound of ginger or pepper, or one sheep
3 gp One pig
4 gp One square yard of linen
5 gp One pound of salt or silver
10 gp One square yard of silk, or one cow
15 gp One pound of saffron or cloves, or one ox
50 gp One pound of gold
500 gp One pound of platinum

As such they are treasure with an assigned value. and sold at half price.

this does not mean you cannot purchase the jewelry for the effect on skills and to represent your wealth. but selling gems and jewelry is at half value as per the RAW in the Core rulebook, same page as above rite below the table.

as i stated above though this is a mute point as people do not really enforce coin weight at pfs tables.

[El Baron de los Banditos]

I've always thought that bank notes were good tender, especially for the more Abadarian Pathfinder. That is, until you need to pay for something a little more... complicated. But those situations are often known about in advance, and can be planned out.

Needless to say, I hope money can weigh things if we want it to (as per Core's "50-to-a-pound" statement.) If I can't, then how will my Scarzi bludgeon foes with a Catch-Off Guard sack of coins?

[Jiggy]

Here's a relevant bit from another thread:

Mark Moreland wrote:

You can assume whatever backstory you want for your character, whether it's that you live in a castle or sleep on a mat in the sewers. Vanities exist to provide small mechanical benefits to people who invest PP into their backstory, but owning a bakery or a home to perform your Day Job or store the gear you don't want to tote around each adventure are fine, and provide no mechanical benefit, so they're all good.

[Provos]

I think, especially for PFS, carry weight should be very important. I like to make sure my character is as well equiped as I can be for my carry capacity. Also, why would someone spend a PP for a porter if they don't have to worry about anyone checking their carry weight.

[clarence garrett]

Provos wrote:

I think, especially for PFS, carry weight should be very important. I like to make sure my character is as well equiped as I can be for my carry capacity. Also, why would someone spend a PP for a porter if they don't have to worry about anyone checking their carry weight.

coin weight is the only exception to this rule. I enforce equipment weight and encumbrance and it is done so at every table i have played at as well.

and again the reason coin weight slips by is the abundant ways to get around it from Abadarian banks to promissory notes to converting it all to platinum and only keeping spending cash on you. leaving the rest at home or in a locker at the local lodge.

[Enevhar Aldarion]

clarence garrett wrote:

Provos wrote:

I think, especially for PFS, carry weight should be very important. I like to make sure my character is as well equiped as I can be for my carry capacity. Also, why would someone spend a PP for a porter if they don't have to worry about anyone checking their carry weight.

coin weight is the only exception to this rule. I enforce equipment weight and encumbrance and it is done so at every table i have played at as well.

and again the reason coin weight slips by is the abundant ways to get around it from Abadarian banks to promissory notes to converting it all to platinum and only keeping spending cash on you. leaving the rest at home or in a locker at the local lodge.

Yep, past PFS Heads have said that treasure encumbrance is generally hand-waved, and it does still say this on page 18 of the current Guide:

Quote:

We assume that you have enough bags, backpacks, or muscle to haul around the loot you find or, in the case of an urban scenario, immediate access to markets and bazaars where you can sell your goods.

Though if you are GMing for a party where most or all have sub-standard strength scores, then having a way to transport the heavy stuff or having a way to return and retrieve it should be considered.

[edwardcd]

Usually I'm not concerned with gold weight on encumbrance since...

PFG Core Rulebook page 140 wrote:

50 gp One pound of gold

500 gp One pound of platinum

For each:

10,000 gp = 20 lbs (if converted to platinum)

Then if the character has more money or if they have below 10 STR, the Lodge can provide safe locker and provide a promissory note which they can redeem at any time they are at the Lodge or after they complete their mission and return to report-in. Or if the character has a property vanity, they may store their gold at that location. Or the character can store it at the "bank." I'm pretty sure the Bank of Abadar has a branch in the city at the center of the world. Though I'd carefully watch all those transaction fees from the Bank of Abadar - you know how they like money and all. (hehe =P ) You may get a Pathfinder Society corporate account - a free savings account.

To the original question, exchanging gold for gems to reduce encumbrance wouldn't be the best way to handle it since when you try to exchange them back for gold you are subject to the selling items at half price rule.

[hogarth]

This may sound like a dumb question, but where in the Core Rulebook does it talk about purchasing gems?

[edwardcd]

hogarth wrote:

This may sound like a dumb question, but where in the Core Rulebook does it talk about purchasing gems?

It's mentioned as a spell component. Such as, a ____ gem worth at least ____gp.

Then...

Core Rulebook, Page 400 wrote:

Gems: Although you can assign any value to a gemstone, some are inherently more valuable than others. Use the value categories below (and their associated gemstones) as guidelines when assigning values to gemstones.

Low-Quality Gems (10 gp): agates; azurite; blue quartz; hematite; lapis lazuli; malachite; obsidian; rhodochrosite; tigereye; turquoise; freshwater (irregular) pearl

Semi-Precious Gems (50 gp): bloodstone; carnelian; chalcedony; chrysoprase; citrine; jasper; moonstone; onyx; peridot; rock crystal (clear quartz); sard; sardonyx; rose, smoky, or star rose quartz; zircon

Medium Quality Gemstones (100 gp): amber; amethyst; chrysoberyl; coral; red or brown-green garnet; jade; jet; white, golden, pink, or silver pearl; red, red-brown, or deep green spinel; tourmaline

High Quality Gemstones (500 gp): alexandrite; aquamarine; violet garnet; black pearl; deep blue spinel; golden yellow topaz

Jewels (1,000 gp): emerald; white, black, or fire opal; blue sapphire; fiery yellow or rich purple corundum; blue or black star sapphire

Grand Jewels (5,000 gp or more): clearest bright green emerald; diamond; jacinth; ruby

[Provos]

@edwardcd
That CRB pg 400 was what I was looking at.

With the negligable weight of gems, it has alway been the "go to" way of transporting large amounts of currency in all the d20 systems I have ever played. We have alway treated gems like "trade goods" before pathfinder ever introduced a list of "trade goods".

Also, people keep mentioning a banking system or bank note, can someone give book/pg# for the rules governing that. I try to read all the books but sometimes I miss things.

[ThornDJL7]

Provos wrote:

@edwardcd

That CRB pg 400 was what I was looking at.

With the negligable weight of gems, it has alway been the "go to" way of transporting large amounts of currency in all the d20 systems I have ever played. We have alway treated gems like "trade goods" before pathfinder ever introduced a list of "trade goods".

Also, people keep mentioning a banking system or bank note, can someone give book/pg# for the rules governing that. I try to read all the books but sometimes I miss things.

The only place I've ever seen any mention of banking is in AP #7.

Oh, and if I ever feel inclined to audit your character, there will be calculator usage. :P

[Besnik]

An audit, well you see, I am an adventurer and these are real business expenses.

What do you mean where are my receipts?

[edwardcd]

Provos wrote:

@edwardcd

That CRB pg 400 was what I was looking at.

With the negligable weight of gems, it has alway been the "go to" way of transporting large amounts of currency in all the d20 systems I have ever played. We have alway treated gems like "trade goods" before pathfinder ever introduced a list of "trade goods".

Also, people keep mentioning a banking system or bank note, can someone give book/pg# for the rules governing that. I try to read all the books but sometimes I miss things.

Yes, I've done the same in other d20 systems, in fact I use this in my own house rules for non-PFS play (home brew games), it just makes sense that way. However, in PFS play only those items in the trade goods can be traded for equal value.

Regarding the banking system, in addition to AP#6, it also mentions the banking system in Pathfinder Chronicles: City of Strangers (page 25).

Regarding the promissory notes, it has been recently mentioned in the items that can be found in the scenario "To Delve The Dungeon Deep" as "Debt of the Kirin" as "Letters of credit."

[OG3]

sorry to necro but this thread is a lifesaver. been running a few pbp pfs characters and just turned on "no coin weight" in HeroLab. holy smokes this saved my life!