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[andrea]

It is a small price to move 1 month forward your expected 100% profit. Especially with the price volatility, due to which 1 month can make all the difference in the world.

To RiverFord LTD: Having reviewed your asset rich financial status, I consider you cleared for up to 3 guineas loan. If you are interested, we can discuss the specifics such as the desired length.

[Rockeater]

Hmm, the issue is that unless the ship get out this month I am better off waiting for YARNU and invest there, On the other hand I could go crazy and take the loan, sell my were and have half a ship.
What is the amount of meny you are willing to give me for shared backed loans and  could I pay them ahead of time with money from other sources?

[evictedSaint]

I'd seriously consider taking the loan, but even if I took out a 3 Guinea loan, I wouldn't be able to cover the remaining 5 Guineas needed to put the Copper Tang to sea.

If someone invested at least 2 more Guineas, I'd be interested, but until then there's not much I can do until next month. T^T

[Doomblade187]

I would be interested in taking the 3 Guinea loan, and Investing 2 Guineas in the Copper Tang.

[evictedSaint]

Well I guess that solves that, lol.

[andrea]

Very well. In the interest of getting a vessel on the waves now, Here is a loan contract for the Knife edge trading company. (doomblade)

Spoiler: 3 guineas 6 month loan (click to show/hide)

To Queen Phillipa the Fourth,

We, the undersigned Sharks & Loans, agree to transfer 3 guineas to the undersigned company, Knife Edge Trading Company.
This amount will incur into a monthly interest of 10% of the initial sum. The initial sum will need to be repaid in full after 6 months. Failure to pay interests or to provide the full initial sum at the end will cause expropriation of assets for at least equal value.
In consideration of the cyclical nature of trade, it is agreed that interest payments can be suspended for up to 3 months. The amount due will still need to be paid either immediately or spread across the rest of the loan. No further suspension can be awarded until there is no longer outstanding suspended interest.


Signed: Shark & Loans

If you agree to the terms, just sign it.
Let me know if you want to take the opportunity to suspend interest for 3 month ( which is, until the ship comes back)

[evictedSaint]

Aside from loans, what sort of contracts are possible for players to enter? 

[Doomblade187]

We will sign these. Interest is to be suspended the first month after departure.

To Queen Phillipa the Fourth,

We, the undersigned, hereby agree to buy a ship, the 'Copper Tang', to sail the trade route between the Motherland and Westonia. Investments will be as follows:

-Nagant Ventures 2 Guineas
-Mineral Co 2 guineas
-Unpleasant LLC 1 Guineas
-Knife Edge Trading Co. 5 Guineas

The profits will be split proportionally by Investment between the signatories.

Signed:

Spoiler: 3 guineas 6 month loan (click to show/hide)

To Queen Phillipa the Fourth,

We, the undersigned Sharks & Loans, agree to transfer 3 guineas to the undersigned company, Knife Edge Trading Company.
This amount will incur into a monthly interest of 10% of the initial sum. The initial sum will need to be repaid in full after 6 months. Failure to pay interests or to provide the full initial sum at the end will cause expropriation of assets for at least equal value.
In consideration of the cyclical nature of trade, it is agreed that interest payments can be suspended for up to 3 months. The amount due will still need to be paid either immediately or spread across the rest of the loan. No further suspension can be awarded until there is no longer outstanding suspended interest.


Signed:
Shark & Loans
Knife Edge Trading Co.

Spoiler: Knife Edge Trading Company Assets (click to show/hide)

Funds: 1 Guineas
Goods: 2 Copper
Investments:
2/10 Shares in the Endeavour
5/10 Shares in the Copper Tang

[flazeo25]

Hmm nice investment, wonder if your major copper deal with pay off though.

[evictedSaint]

This game sent me down a rabbit hole of looking up contract theory.

[Kashyyk]

Year 2 Springrise
TURNTURNTURN
After signing the loan agreement with Sharks & Loans, Knife Edge Trading Company joins Nagant Ventures, Mineral CO and Unpleasant LLC to launch the 'Copper Tang' and watch it depart on its maiden voyage to Westonia. Let's hope those brave souls return to ensure their employers stay in business!

Throughout the month, smiths work overtime to fashion the new metal into jewellery, alloy it with tin to produce tools and weapons, and even shape a few experimental pieces for public water pumps. This caused a flurry of interest in Copper products, raising the price to 1.1 Guineas.

With no new Sand entering the system, it also goes up in price, to 0.45 Guineas.

Speaking of, the 'Laden Swallow' returned home this month, bearing another load of Sand.

Iron Mountain Ind., Mineral CO and  Nagant Ventures gain +3 Sand.
RiverFort LTD gains +1 Sand.

The 'Yarnu' however, is delayed.

Spoiler: Ships (click to show/hide)

Ships in Port
Laden Swallow - Preparing to sail to the Nearsouthlands (Sand)

Current Voyages
!!Yarnu!! - set sail for Westonia in Year 1 Falling Winter. Expected return Year 2 Springrise
Westsploration - set sail for Westonia in Year 1 Deep Winter. Expected return in Year 2 Springtide
Repeat Visit - set sail for Nearsouthlands in Year 1 Waning Winter. Expected return in Year 2 Springtide
Endeavour - set sail for Westonia in Year 2 Springrise. Expected return in Year 2 Summerrise
Copper Tang - set sail for Westonia in Year 2 Springrise. Expected return in Year 2 Summerrise
Marvelous Minnow - Exploring the Eastern Sea since Year 1 Waning Winter

Spoiler: Current Prices (click to show/hide)

Ship - 10 Guineas each

Trade Goods
Sand - 0.45 Guineas per Unit
Lumber - 0.5 Guineas per Unit
Copper - 1.1 Guineas per Unit

Spoiler: Destinations (click to show/hide)

The Nearsouthlands - 2 Months - Sand
Westonia - 3 Months - Copper

Spoiler: Contracts (click to show/hide)

Ship Ownership
* Yarnu - 2:2:2:2:2 shares between Yearvent Shipping, Ashford Core, RiverFort LTD, Noname incorporated and Unpleasant LLC
* Laden Swallow - 3:3:3:1 shares between Iron Mountain Ind., Mineral CO, Nagant Ventures and RiverFort LTD (70% majority required)
* Repeat Visit - 2:2:2:2:1:1 shares between Imaginary Productions, Unpleasant LLC, Yearvent Shipping, Ashford Core, Intended Improvements Company and RiverFort LTD.
* Endeavour - 2:2:2:2:1:1 shares between Noname Incorporated, Knife-Edge Trading Co., Mineral CO, Nagant Ventures, Unpleasant LLC and Iron Mountain Industries
* Westsploration - 6:6:3:3:2 shares between Monkey Money Inc, H&S Inc, Intended Inprovements Company, Ashford Core and Imaginary Productions
* Copper Tang - 5:2:2:1 shares between Knife Edge Trading Company, Nagant Ventures, Mineral CO and Unpleasant LLC

Other
* Intended Improvements Company owes 5.79 Guineas to the Crown at 5% monthly compound interest since Year 1 Falling Winter
* Knife Edge Trading Company owes 3.3 Guineas to Sharks & Loans at 0.3 Guineas interest, to be repaid by Year 2 Autumnrise

[RulerOfNothing]

Sell 2 Sand.

Spoiler: Assets (click to show/hide)

Noname incorporated
  Assets: 2.1 Guineas, 2 Sand, 1 Royal Favour
  Investments: 2 Guineas into YARNU Expedition
                 2 Guineas into Endeavour
                 1 Guinea into Captain McBeardly's expedition

[andrea]

I will note that your "contracts" spoiler doesn't distinguish between the queen's compound interest and my not-compound interest.
That said, thanks for keeping track of the current size of the debt! I don't plan to forget it, but more people counting is always better.

Spoiler: Sharks & Loans assets (click to show/hide)

Funds: 0 guineas
Goods: 0
Credits:
--Knife Edge Trading Company, Year 2 Springrise
   Due: Year 2 Low Summer
   Loan amount: 3 g
   Monthly interest: 0.3 g
   Delayed interest / max:  0.3 / 0.9 g

[Naturegirl1999]

Springtime is next, right?

[andrea]

I think it goes "rise" > "tide" > "wake"