Banking
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| Revision as of 13:57, 19 March 2016 (edit) Valere (Talk | contribs) (Added region data to stubs, linked all cities and regions) ← Previous diff |
Current revision (12:38, 6 October 2023) (edit) Calabora (Talk | contribs) (Name change) |
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| The account holding the money is shared between different banks, though different banks | The account holding the money is shared between different banks, though different banks | ||
| calculate the maximum balance differently. For example, the Losthaven bank allows the customer | calculate the maximum balance differently. For example, the Losthaven bank allows the customer | ||
| - | to deposit a lot more than Shylock in the Temple of Discordia. | + | to deposit a lot more than Kimlaudus in the Temple of Discordia. |
| It is not known what methods the banks use to confirm identity, but the methods are foolproof. | It is not known what methods the banks use to confirm identity, but the methods are foolproof. | ||
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| * Banker: [[Gredius]] | * Banker: [[Gredius]] | ||
| * Notes: Cheapest by far of the bankers for lessons, but also has the lowest max skill he will teach. Most will not get more than 1 lesson out of him, unless you have a really low assim. | * Notes: Cheapest by far of the bankers for lessons, but also has the lowest max skill he will teach. Most will not get more than 1 lesson out of him, unless you have a really low assim. | ||
| + | |||
| + | ==[[Leah's Hill]]== | ||
| + | * Name: The Temple of Galduron | ||
| + | * Location: 2 0 0, [[Leah's Hill]], [[Visigonia]] | ||
| + | * Availability: All | ||
| + | * Initial Deposit: 5000 | ||
| + | * Deposit Fee: 10% | ||
| + | * Banker: [[Vasco Shroud]] | ||
| ==[[Sanctuary]]== | ==[[Sanctuary]]== | ||
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| ==[[Sinbyen]]== | ==[[Sinbyen]]== | ||
| - | * Name: ? | + | * Name: The Temple of Galduron at Sinbyen |
| - | * Location: ?, [[Sinbyen]], [[Gardagh]] | + | * Location: -2 -7 0 in [[Sinbyen]], [[Gardagh]] |
| - | * Availability: ? | + | * Availability: All |
| * Initial Deposit: ? | * Initial Deposit: ? | ||
| - | * Deposit Fee: ? | + | * Deposit Fee: 10% |
| - | * Banker: ? | + | * Banker: Sneva |
| - | * Notes: ? | + | * Notes: Sneva only seems to speak [[Norska]], though as a thond he also understands [[Dethek]]. |
| ==[[Imptropolis]]== | ==[[Imptropolis]]== | ||
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| * Banker: ? | * Banker: ? | ||
| * Notes: ? | * Notes: ? | ||
| + | |||
| + | =Soul Investiture= | ||
| + | |||
| + | Soul Investiture is the process of purchasing lives from Lost Souls bankers. | ||
| + | |||
| + | You assert, [soul investment] | ||
| + | |||
| + | Gredius says, $ For an offering of fifty thousand gold from your savings, Galduron will make an investment in your soul, strengthening it against the vicissitudes of mortality. If you wish to go ahead with this arrangement, say | ||
| + | that you wish your soul strengthened. $ to you. | ||
| + | |||
| + | You assert, [I wish my soul strengthened] | ||
| + | |||
| + | Gredius says, $ Excellent, Mortal. A mere fifty thousand gold is a small price for the kind of peace of mind that Galduron's backing brings. $ to you. | ||
| + | |||
| + | You feel your soul grow stronger. | ||
| + | |||
| + | *[[Gatherers|Galduron priests]] only pay 5000 gold. What an incentive! | ||
Current revision
Contents |
Overview
Banking in Lost Souls is a service vital to adventurers. Having someone else looking after your money when death is an almost daily occurrence is a very sensible thing.
Lost Souls does not use investment banking, rather a "bank" is part of the treasury and financial dealings of most large organisations. They function more like credit unions, where access to the bank is only granted with membership of the organisation.
Accounts can be opened at a bank with a large enough deposit. Once the account is open deposits of any size can be made. Any deposit into the account attracts a percentage fee. This fee goes straight to the organisation that controls the bank and provides one of their sources of funding. Accounts do not gain interest, and no fees are taken after the original deposit fee.
Banks will only store as much money as they believe the customer can handle. They will refuse to accept deposits past this point.
The account holding the money is shared between different banks, though different banks calculate the maximum balance differently. For example, the Losthaven bank allows the customer to deposit a lot more than Kimlaudus in the Temple of Discordia.
It is not known what methods the banks use to confirm identity, but the methods are foolproof.
Account maximum balance
The maximum balance on account is affected by many skills (and also by which bank the customer is using when doing a deposit). The general guide, explained in the sign in banks, reads:
All of your skill in finance and ownership is applied to your maximum savings capacity. A total of all your skills in trade and craft are applied by one fourth. A total of all your social skills are applied by one half. Some of your abilities in certain skills may reduce your maximum balance.
In a bit more of tested details:
- Finance and Ownership affect the most.
- Diplomacy, Empathy, Fast Talk, Haggling, Intimidation, Manipulation affect positively
- Appraisal, Garbology affect positively.
- Brewing, Cooking affect positively.
- Carousing and Gambling affect negatively.
Note that Finance also affects one's carried wealth ('show wealth capacity') and keep capacity category 'General/Items/Valuables'. Ownership also affects keep capacity, a lot, in direct 100% skill to keep points ratio to category 'General/Items'.
Commands
all bank access is now done by either talking to the banker (see the info for the banker in question) or directly handing them money.
Banks
Losthaven
- Name: The Temple of Galduron
- Location: Courtly Way, Losthaven, Cimbra
- Availability: All
- Initial Deposit: 100
- Deposit Fee: 10%
- Banker: Gredius
- Notes: Cheapest by far of the bankers for lessons, but also has the lowest max skill he will teach. Most will not get more than 1 lesson out of him, unless you have a really low assim.
Leah's Hill
- Name: The Temple of Galduron
- Location: 2 0 0, Leah's Hill, Visigonia
- Availability: All
- Initial Deposit: 5000
- Deposit Fee: 10%
- Banker: Vasco Shroud
Sanctuary
- Name: The Temple of Galduron
- Location: Temple Street, Sanctuary, Quetlatl
- Availability: All
- Initial Deposit: ?
- Deposit Fee: 10%
- Banker: Krassus
Sinbyen
- Name: The Temple of Galduron at Sinbyen
- Location: -2 -7 0 in Sinbyen, Gardagh
- Availability: All
- Initial Deposit: ?
- Deposit Fee: 10%
- Banker: Sneva
- Notes: Sneva only seems to speak Norska, though as a thond he also understands Dethek.
Imptropolis
- Name: ?
- Location: ?, Imptropolis, Ebiria
- Availability: ?
- Initial Deposit: ?
- Deposit Fee: ?
- Banker: ?
- Notes: ?
Gurbodax
- Name: ?
- Location: ?, Gurbodax, Celydon
- Availability: ?
- Initial Deposit: ?
- Deposit Fee: ?
- Banker: ?
- Notes: ?
Soul Investiture
Soul Investiture is the process of purchasing lives from Lost Souls bankers.
You assert, [soul investment]
Gredius says, $ For an offering of fifty thousand gold from your savings, Galduron will make an investment in your soul, strengthening it against the vicissitudes of mortality. If you wish to go ahead with this arrangement, say that you wish your soul strengthened. $ to you.
You assert, [I wish my soul strengthened]
Gredius says, $ Excellent, Mortal. A mere fifty thousand gold is a small price for the kind of peace of mind that Galduron's backing brings. $ to you.
You feel your soul grow stronger.
- Galduron priests only pay 5000 gold. What an incentive!
