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[Naturegirl1999]

My inclination is to accept the loan and begin training at the Wind school.  That will give us a leg up on getting the bodyguard job, as we can truthfully say that we are studying a martial art.  Hopefully the earnings will be sufficient to pay back the loan fairly quickly.

+1 Training then get the job.

+1

[Devastator]

"So how much are you interested in borrowing?"

Spoiler: Money (click to show/hide)

Twenty silver is enough for a fairly average horse, and fairly close to the normal apprentice fees.  If you didn't have your pension, it would be enough to live on in your current lifestyle for about twenty weeks.  Five silver is enough for a set of tailored clothes, a piece of cheap jewelry, a boat ticket upriver to the mining city of Chenyao, a set of thieves' tools, or a bribe to a magistrate for a ruling in a minor civil dispute.

[ZBridges]

What is the current cost of spice?

[Devastator]

You can spend an essentially unlimited amount on spice.

As for currently unusual prices, cloves are available in quantity for about half the usual price, but you don't know how long it'll take for the price to recover.

You can make a planning action specifically to trade in something if you want to see what the estimated gains are, and anything that might help or hurt the process.

[ZBridges]

My thought is that we should minimize our debt, only borrowing enough to allow us to start generating income consistently.  We know that training will cost around two silver a week.  To be safe, perhaps we should allow for enough silver for three weeks of training, just in case the bodyguard job doesn't pan out and we need to waste time finding another source of income.

Once we have more assets, we can more safely assume a larger amount of debt.

As for investing in cloves, I'm not sure what the appropriate move would be.  As a planning action, what gain could we expect (until, I guess, the market recovers completely) month over month for a purchase of cloves for ten silver?

Edit: changed from 5 silver to 10 silver.

[Naturegirl1999]

My thought is that we should minimize our debt, only borrowing enough to allow us to start generating income consistently.  We know that training will cost around two silver a week.  To be safe, perhaps we should allow for enough silver for three weeks of training, just in case the bodyguard job doesn't pan out and we need to waste time finding another source of income.

Once we have more assets, we can more safely assume a larger amount of debt.

As for investing in cloves, I'm not sure what the appropriate move would be.  As a planning action, what gain could we expect (until, I guess, the market recovers completely) month over month for a purchase of cloves for ten silver?

Edit: changed from 5 silver to 10 silver.

+1

[King Zultan]

My thought is that we should minimize our debt, only borrowing enough to allow us to start generating income consistently.  We know that training will cost around two silver a week.  To be safe, perhaps we should allow for enough silver for three weeks of training, just in case the bodyguard job doesn't pan out and we need to waste time finding another source of income.

Once we have more assets, we can more safely assume a larger amount of debt.

As for investing in cloves, I'm not sure what the appropriate move would be.  As a planning action, what gain could we expect (until, I guess, the market recovers completely) month over month for a purchase of cloves for ten silver?

Edit: changed from 5 silver to 10 silver.

+1

+1

[Devastator]

You head out to investigate the prices for buying cloves.  After all, if they're cheap right now, there ought to be some way to make money on it.

As for shopping.. well, a full bag of cloves is about seven or eight silver normally.  Right now, you can get a bag of it for about four silver, or so.

The downside is that you don't know how long it'll take for cloves to recover in value.  Cloves are, well, fairly common, and if a few more ships come in, they could be sitting at that price for quite some time.  Could be months.

Still, it'd be hard to lose money on the deal.  You can buy them cheap, and hopefully sell them an uncertain amount of time later at a profit, but this is a project where you are very unlikely to lose money, even if you may end up holding onto the cloves for a while.

Spoiler: Status (click to show/hide)

Week 3.  Action 2/5

Assets and Abilities:
Prestige = 0
Broke!
Concealable fighting dagger
Adventurer's diary (partially studied)
->Information on southern jungle nations
->Secret locations in southern jungle.
->Information on spiritual beings, spiritual being society, spiritual being outlook.
->Information on animal life of the southern jungle
->Information on magical beings of the southern jungle
->Instruction on spirit-related magical rituals.
->Instruction on an unknown magical field.
->Instruction on wilderness survival methods
->Instruction on what seems to be the language of the southern jungle nations.
->Instruction on an unknown language.
Plan for trading in cloves.  Buy at a very cheap price, wait an uncertain amount of time for the price to rise, sell at a profit.  Costs 4 silver a bag, can yield 2-3 silver a bag, barring additional events.

Skills:
Charming, +1

Allies:
Huan Zhang, diplomat, 2 prestige, 1 favor
Upscale Weapon Shop.

[ZBridges]

I think we should wait to invest until we have some actual income.  Six silver for training plus five silver for emergencies should hopefully be sufficient for now.

Borrow 11 silver.

[Naturegirl1999]

I think we should wait to invest until we have some actual income.  Six silver for training plus five silver for emergencies should hopefully be sufficient for now.

Borrow 11 silver.

+1, when we do buy cloves, maybe we can grow some, a steady food supply if timed correctly and cloves are stored properly

[ZBridges]

It definitely makes sense to start leveraging all of our assets.  We do have a home, which I assume we are not renting, but how much land that includes isn't clear at the moment.

[Egan_BW]

Dev told me to please not grow cloves.

[Devastator]

Yeah.  Your basic living expenses are covered, and cloves are valuable in large sacks of dozen of pounds.  There's also a time limit.

[ZBridges]

On reflection... not a good idea.  Maybe we can find some other way to make use of our home.

[King Zultan]

I think we should wait to invest until we have some actual income.  Six silver for training plus five silver for emergencies should hopefully be sufficient for now.

Borrow 11 silver.

+1

On reflection... not a good idea.  Maybe we can find some other way to make use of our home.

We could turn it into an opium den.