Forgotten Kingdoms Forums

I'd like to suggest a system that allows you to earn interest on your bankable coinage within the world of fk. My problem though with this is that the system is complex and quite modern from the past two hundred or so years in the real world.

Since most coins are property of the country or city they are minted in and represent a physical tangible of the value of the state and treasury I wonder if it would generate economically to have your stored coinage invest in random accounts and portfolios within the banks. They could be measured from the trading revenue done in the merchants guild.

example: A great deal of people have been selling and trading in ale casks of late and the market is dominant and active, therefore the pc's that have invested some coin in that venture have increased the monies they have stored in that portfolio while players investing in Candy apple trees have lost money through a lack of trading and deciding to invest in that market.

The problem though would be ooc manipulation of the markets much akin to insider trading. If someone convinces a great deal of people to trade a certain commodity, then they may also hint to people that they could invest and make a killing.

My market and economic knowledge is limited, but it is an idea that can be expanded on to a workable conclusion if considered. There are other problems, but some positives to this. In the end though I am not sure if it is wholly suitable to the fk world.

This should work if it works both ways. In the real world, banks make money lending out money (that was put in the bank). So if we put money into a bank expecting to earn money, where does that money come from? I would suggest that we allow players to borrow from the bank, paying back their loans with interest. This interest would then be distributed amongst those that put their money in the bank.

Just a thought, so that we don't have money growing from nothing.

And of course, if someone defaults on the loan... the pain is shared amongst all those who put their money in the bank.

I personally would love a "stock" type system in FK.
It would be akin to a gambling type game to do... sort of.

One of my favorite things to do for fun is to manage a portfolio of stocks on Hollywood Stock Exchange.. http://www.hsx.com with basically monopoly money. It would give players another outlet to really have fun with their money and a reason to gather. Especially if there isa set date once a month or once every three or four months were the merchants get together... and the Lord of Waterdeep or whereever you put the exchange announced what the hot commodities were for the next "year' in game time or the next quarter in real life... and then have some sort of end of the week wrap sheet on the board that showed the volumne of what people actually were trading around in certain cities. (I dunno if the mobs keep track of what they sell... but it'd still be fun to "assume" in real life that it does.)

It'd also be pretty fun to have a 'favored' item around certain holidays that someone could make more money on if the market actually pans out as much as people think they have.... such as.. banking on earrings around Yuletide and then finding out that on the short ticket, it would have been better to go platinum.. rather than straight earrings.

Wow. So much fun. Can we?

A similar idea to yours is something that happened in a period that currently
I can't recall (Maybe around 1600?), it was the speculation with official documents.

Different permits were auctioned by monarchies (permits of exploitation of natural resources, of trading with certain trade good, of building a ship in a particular city, lands, ect)

Most of these documents could be traded by other documents, or storing them and selling them when the demand of that permit was high since some particular permits/lands in a region/... were scarce.