Gold and Treachery - A Trade Magnate Quest

X] [Tenements] Repair the tenements and add a business. (Always takes 1 AP and 1 turn to complete, income varies by type of business and random roll) Pick one:
-[X] [Tenements] Tavern (Costs 2 Wealth)
I'm not too sure about this one, and I'm willing to change my vote if there are good arguments in the thread.

[X] [Loan] Take the deal. (now 16 Wealth owed to Sillaniu Qaypanu with 1 Wealth interest per turn, the loan must be repaid within 3 turns)
As far as I can see, taking the deal means avoiding immediate default on this turn's interest. Publicly defaulting on loans is not good while we're looking for a wife
We've gotten GM confirmation we can defer the choices until after the banquet scene, so it might be best to do so for now, get a bigger picture of what could come out of the proposals we get then.

So, here's my proposal:

[X] Plan Wait For After Banquet
-[X] [Tenements] Defer
-[X] [Loan] Defer
-[X] [Invitation] Yes
 
[X] Plan Wait For After Banquet
-[X] [Tenements] Defer
-[X] [Loan] Defer
-[X] [Invitation] Yes

While the public is more suspicious the Houses still are fine with what we are doing. If we solve our financial woes we can gain back the public with festivals or something.

That admin roll hurt.
 
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[X] Plan Wait For After Banquet
-[X] [Tenements] Defer
-[X] [Loan] Defer
-[X] [Invitation] Yes

It probably is best to wait and see what all our options are first. Also wow, this chapter was showing a lot of that vainglory. XD
 
[X] Plan Wait For After Banquet

We are spending an entire wealth per turn on wine cellar upkeep!? Who is drinking all that wine? Is someone embezzling? Do we have a bunch of valuable wine in the cellar that we could potentially sell?
 
We are spending an entire wealth per turn on wine cellar upkeep!? Who is drinking all that wine? Is someone embezzling? Do we have a bunch of valuable wine in the cellar that we could potentially sell?
Good wine is expensive, and depending on the development of bottling the wine may not last near as long as we are used to thinking it will. And we probably do have good wine we could sell but the sell stuff option was not taken and so we may be out of the window where we can sell stuff by pretending we are just not interested in it without sending out a lot of poverty red flags.


[X] Plan Wait For After Banquet
 
Good wine is expensive, and depending on the development of bottling the wine may not last near as long as we are used to thinking it will.

Good point, my dreams of a vast, ancient underground winery have been dashed. Maybe we should just stop buying more wine for now, that would probably draw less attention then trying to sell our existing stock.
 
Associating with the Ealim means associating with a bunch of people who're interested in science, philosophy, discovery, and magic. The fact that they're apparently sort of atheist and are involved with various exotic foreigners is just icing on the cake. That sounds like SV catnip! We're going to end up associating with them fairly publicly and that will trash our rep. Let's see if we can use that to get some short-term benefits that could help with our debts!
They are also overbearing warmongers who like to colonize other people and enforce their own enlightened views and culture on them, so they are a bit of a mixed bag.
 
It seemed the Ealim were not shy about offering a decent bride price and at least if you were to believe the tales of their fathers, a some of these women sounded like they would be pleasant company.
"a few", or "some"
She was the matriarch of a prestigious family in the eastern port city of Damerisu, serving as and advisor to the cities Sultan even.
"city's"?

Where can we get accurate information about our finances? It is scattered all over the place. Perhaps it should find its way to the 1st page?

Last Turns Income: 1
Current Wealth: 3

Outstanding Loans:
- 5 Wealth owed to a mix of various small-time lenders – 1 Wealth interest per turn
- 2 Wealth owed to the city for outstanding court fines – no interest, but must be paid back within 2 turns
- 8 Wealth owed to Sillaniu Qaypanu, a well-known usurer – 3 Wealth interest per turn
Gained partial insight into the state of your finances.

Current Fleet:
3 Small Trade Galleys, 1 Medium Trade Galley
Turn 1 Trade Fleet Profit: 4

Properties
Seat of House Lipern / Large Mansion (Azure District)
Base Upkeep – 1 WealthAccommodations III – 1 WealthWine Cellar – 1 WealthLibrary IV – 1 WealthTotal Upkeep – 4 Wealth
Dilapidated Tenements (Small Harbour)
Estimated Value: 2 WealthNo Upkeep / Profit
We are not making money from our fleets, and are bleeding 4 Wealth per turn. The deal allows to cut this to 2 WpT, at the cost of 2 additional wealth owed in 3 turns.

Although... we had a 1 WpT income last turn. Where did that come from?
 
@Azel if we don't take the deal, can we take more than 3 turns to pay it back?
because if it's like that it may be better to not take it.
 
3 Wealther per turn is currently backbreaking. We straight-up don't have that money, and we probably won't get it next turn either unless we very quickly marry someone a lot wealthier than we are (an unlikely prospect).
This new deal is anything but generous, but it avoids immediate bankruptcy. I'm not too sure what the consequences of that would be, but I presume they're bad.
Of course going bankrupt in 18 months will be terrible too (and our spouse certainly won't like it!) but hopefully we'll somehow figure out our way out of that issue. Maybe by taking longer-term loans from someone else?

My current hope is that we'll marry someone rich who wants to cash in on our good name (which we are currently tarnishing, and which will tarnish it further...) and this will allow us some immediate financial relief. This could be through a dowry if they work that way in this setting, and/or through slightly less predatory loans from our in-laws.
 
My current hope is that we'll marry someone rich who wants to cash in on our good name (which we are currently tarnishing, and which will tarnish it further...)
We picked vainglory as our vice, which will probably influence the roll of the brides we do consider. And if we pick one that tarnishes our name, we'll probably get some sort of malus besides tarnishing it. Hopefully we'll get someone acceptable with a good dowry. Also:

[X] Plan Wait For After Banquet
-[X] [Tenements] Defer
-[X] [Loan] Defer
-[X] [Invitation] Yes
 
3 Wealther per turn is currently backbreaking. We straight-up don't have that money, and we probably won't get it next turn either unless we very quickly marry someone a lot wealthier than we are (an unlikely prospect).
This new deal is anything but generous, but it avoids immediate bankruptcy. I'm not too sure what the consequences of that would be, but I presume they're bad.
Of course going bankrupt in 18 months will be terrible too (and our spouse certainly won't like it!) but hopefully we'll somehow figure out our way out of that issue. Maybe by taking longer-term loans from someone else?

My current hope is that we'll marry someone rich who wants to cash in on our good name (which we are currently tarnishing, and which will tarnish it further...) and this will allow us some immediate financial relief. This could be through a dowry if they work that way in this setting, and/or through slightly less predatory loans from our in-laws.
gimme a min to look some things up and I'll edit this comment with mi general idea but tl;dr:
marry someone from a decently wealthy family(not supper rich or even noble), negotiate for a loan with in-laws, sell thing we don't need, use all the money to get stable sources of income a la tenement, and attempt to match our minimum income to the interest we pay per turn.

Long version:
Priorities:
1- pay outstanding court fines.
2- pay interest.
3- acquire stable sources of income.
Expenditures p/turn:
- 4 wealth to pay interest.
- 4 wealth for property upkeep.
Analysis of situation:
we CANNOT take the deal because we would need to gather 16 wealth in 3 turns and we are currently making an unknown amount of wealth per turn and losing 8(6 with the deal). For all we know, 4 wealth p/turn may be a lot for us, and we may get less. so paying that while not flat out impossible would be an unnecessary risk because we don't know the consequences of failing to do so. If we don't take the deal and let the debt grow a bit while we gather money to increase our income we can assure that we will eventually pay it back, we don't need to give ourselves a time limit, we can take as long as we want.
Proposed solution:
@Azel how does dowry work in this setting? what can we expect?.
whether we get a dowry in wealth or not, we should negotiate with our inlaws to get a loan with interest no higher than 1 (preferably 0), take the Sell Possessions action (both to increase wealth and reduce upkeep if that's how it works), and try to take advantage of the opportunities we got from the Madrasa, invest that money on placing a business in the tenements, etc. All with the objective of increasing or minimum income and reducing our upkeep.

Extra:
we should also try to learn more about religion, given that divine magic users are a thing attempting to get help from a deity is not insane.
 
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we CANNOT take the deal because we would need to gather 16 wealth in 3 turns and we are currently making an unknown amount of wealth per turn and losing 8. For all we know, 4 wealth p/turn may be a lot for us, and we may get less. so paying that while not flat out impossible would be an unnecessary risk because we don't know the consequences of failing to do so. If we don't take the deal and let the debt grow a bit while we gather money to increase our income we can assure that we will eventually pay it back.
If you run out of wealth to pay interest or upkeep, then you will automatically sell things until you can. Right now, the prime candidate would be the tenements, followed by one of your trade galleys. If you run out of things to sell off and still have debt, it's game over. Bankruptcy is one of the two ways to lose the quest, the other being a dynasty wipe.
@Azel how does dowry work in this setting? what can we expect?.
Pretty much like it worked everywhere else in pre-modern societies. Marriage is a deal made to cement alliances, deals and to gain economic benefit, regardless of you being a peasant looking to get a new cow as a dowry or a rich trade magnate sealing a long term price fixing agreement with it.

What you can expect to gain here are either trade deals, large amounts of cash or long-term arrangements, with the details varying according to who is offering. I've already made some rolls for marriage candidates and they are looking pretty good for you.
 
If you run out of wealth to pay interest or upkeep, then you will automatically sell things until you can. Right now, the prime candidate would be the tenements, followed by one of your trade galleys. If you run out of things to sell off and still have debt, it's game over. Bankruptcy is one of the two ways to lose the quest, the other being a dynasty wipe.
Wait, we'd sell a galley before we sold our Upkeep 1 wine cellar?
:facepalm:
It's IC, but damn... We really should have voted for a different vice, and perhaps for a different main skillset too.
 
Wait, we'd sell a galley before we sold our Upkeep 1 wine cellar?
:facepalm:
It's IC, but damn... We really should have voted for a different vice, and perhaps for a different main skillset too.
You can't really sell the wine cellar in that sense, you can just stop investing in it. What you can sell is the library, but that's mostly a hypothetical possibility since Oreipolos would rather sell a kidney then half the books in your mansion.

Selling a ship is also not really a Vainglory thing. That would have always happened. Beside the ship itself, which is worth not all that much, doing so frees up all the bound capital that is needed to fill the cargo hold, and of course the upkeep. The cargo of a galley is easily five to twenty times as valuable as the ship itself, so selling on would free up a pretty hefty chunk of money you could throw at your debts. The main problem though is that you thus permanently lose income, meaning the short-term relief would be paid for by a worsening debt spiral if you squander the funds.
 
this cements what I said, it's better to take longer and pay a bigger debt than to put ourselves on a time limit. if we can just straight up stop investing in the wine cellar, we should. and if there is any way to downgrade our accommodations 3 to accommodations 2 and that lowers upkeep somehow that would also be great.
 
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