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[evictedSaint]

I'm selling my sand.

I'll give you 1 guinea for 1 sand. Is deal?

done.

[Egan_BW]

Spoiler: Emerald Robin Exiled Extraversal Holdings Corporation (click to show/hide)

2 adorably fungible guineas
1 bucket of worthless sand

Profit! Well, actually the opposite of that, but I'm sure that the fates will reveal why this was a good idea eventually. The world will tremble before the power of Emerald Robin!

[Horizon]

Do nothing

[Kashyyk]

Lord Pibleton's carriage pushed slowly through the crowds of sunburnt sailors, relieved wives and excitable children, aided by the shouts of mounted servants opening a path in front.

The procession stops at a small well-built counting house, emblazoned with an artists depiction of a glorious, deep sea predator.

@AndreaAndreaAndrea: What rate would you offer for the following investment?

We, the undersigned Sharky financial services and Lord Pibleton, agree to the following:

We, the undersigned Sharky financial services, agree to receive 3 guineas to the undersigned, Lord Pibleton.
This amount will incur into a monthly interest of [X]% of the current outstanding value, to be paid added to the existing amount. This investment will continue in perpetuity, however Lord Pibleton may deposit additional funds at any time. With three months notice, Lord Pibleton may withdraw funds from the investment. This waiting period may be waived with the agreement of both parties. Failure to provide the sum will cause expropriation of assets for at least equal value.

Signed,
-
-

[andrea]

@KASHYYKASHYYKASHYYK:
I am intrigued by your proposal. I ran some numbers on it. You propose a compound interest and an indefinite investment period. I find your notice terms for withdrawal acceptable, but still due to the exponential growth potential I propose an interest rate of 4.5%, just slightly below my fixed rate terms.  You will find out that for anything but the very short term, you still come out ahead! power of compounding. I propose the following contract:

We, the undersigned Sharky financial services and Lord Pibleton, agree to the following:

We, the undersigned Sharky financial services, agree to receive 3 guineas to the undersigned, Lord Pibleton.
This amount will incur into a monthly interest of 4.5% of the current outstanding value, to be paid added to the existing amount. This investment will continue in perpetuity, however Lord Pibleton may deposit additional funds at any time. With three months notice, Lord Pibleton may withdraw funds from the investment. This waiting period may be waived with the agreement of both parties. Failure to provide the sum will cause expropriation of assets for at least equal value.

Signed,
- Sharky's financial services
-

@IridiumIridiumIridium:
Your proposed ivnestment is sound, I have no problem approving a loan at my standard rates. However, depending on the choices of VVT and Lord Pibleton I may not have suffcient liquidity. In the worst case, I may only be able to loan 2.5 guineas. I'll keep you updated on the availability, in case you deem 2.5 insufficient.

[TheFantasticMsFox]

Turn 2 to 3 VVT:

Contracts Signed:

Bathtub Corsairs has taken a 0.5 Guineas loan from Vixen Volume Trading, to be repaid with 1 Guineas after the next shipment of Sand arrives via the Clarise or Nearsouth Nsailor. Bankruptcy on the Bathtub Corsair's part will annul this Contract should both ships they have Shares in be sunk and they have to be bailed out via the Crown.

Signed,
- Bathtub Corsairs
- Vixen Volume Trading

We, the undersigned Sharky financial services and Vixen Volume Trading, agree to amend our previous contract for the loan of 3 guineas to the following:

We, the undersigned Sharky financial services, agree to receive 3 guineas to the undersigned company, Vixen Volume Trading.
This amount will incur into a monthly interest of 5% of the initial sum, to be disbursed in a lump sum at the end of the contract. Interest can also be withdrawn on request. In addition to already accrued interest, an advance of up to 2 months can be withdrawn. Failure to provide the full sum at the end will cause expropriation of assets for at least equal value. The contract lasts 7 months, with a calculated value at the end of 4.05 guineas. .5 Guineas Will be withdrawn effective immediately out of the final owed amount.


Signed:
Vixen Volume Trading

Above is contingent on VVT withdrawing .5 Gunieas from SFS this turn.

Spoiler: Vixen Volume Trading Assets and Status (click to show/hide)

Funds: None
Favor: None
Commodities: None
Investments: None
Contract with SFS of deposit of 3 Gunieas for 6 months of 5% interest. Total at end is 4.05.
Contract with BC of loan to BC of .5 Guniea to be returned with an additional .5 Guniea after next sand shipment.
Debts: None

[Draignean]

Eustace 'Useless' Aberdeen Heathertonvinshire Von Mabeque Of Ulm, the first of his name, Esq.
(Referred to hereafter as Greg)

In a manner that absolutely does not bespeak a too-nosy by half and too-idle by three-quarters neighbor conspicuously planting tulips after you plant daffodils, his Not-Lordship-But-Certainly-Related-To-Something-Quite-Close-And-Really-Just-As-Good-If-You-Take-The-Time-To-Think-About-Things-Honestly 'Greg' shall arrive for a meeting with Sharky Financial services suspiciously soon after Lord Pibleton and present a contract that's a near lawsuit degree of suspiciously similar.

@AndreaAndreaAndrea:

We, the undersigned Sharky financial services and 'Greg', agree to the following:

We, the undersigned Sharky financial services, agree to receive 3 guineas from the undersigned, 'Greg'.
This amount will incur into a monthly interest of 4.5% of the current outstanding value, to be paid added to the existing amount. This investment will continue in perpetuity, however, 'Greg' may deposit additional funds at any time. With three months notice, 'Greg' may withdraw funds from the investment. This waiting period may be waived with the agreement of both parties. Failure to provide the sum will cause expropriation of assets for at least equal value.

Signed,
- Eustace 'Useless' Aberdeen Heathertonvinshire Von Mabeque Of Ulm, the first of his name, Esq
-

[Kashyyk]

Agreed!

We, the undersigned Sharky financial services and Lord Pibleton, agree to the following:

We, the undersigned Sharky financial services, agree to receive 3 guineas to the undersigned, Lord Pibleton.
This amount will incur into a monthly interest of 4.5% of the current outstanding value, to be paid added to the existing amount. This investment will continue in perpetuity, however Lord Pibleton may deposit additional funds at any time. With three months notice, Lord Pibleton may withdraw funds from the investment. This waiting period may be waived with the agreement of both parties. Failure to provide the sum will cause expropriation of assets for at least equal value.

Signed,
- Sharky's financial services
- Lord Pibleton

[andrea]

Well, well well. It seems I shall risk running out of ink today.

@FOXFOXFOX

We, the undersigned Sharky financial services and Vixen Volume Trading, agree to amend our previous contract for the loan of 3 guineas to the following:

We, the undersigned Sharky financial services, agree to receive 3 guineas to the undersigned company, Vixen Volume Trading.
This amount will incur into a monthly interest of 5% of the initial sum, to be disbursed in a lump sum at the end of the contract. Interest can also be withdrawn on request. In addition to already accrued interest, an advance of up to 2 months can be withdrawn. Failure to provide the full sum at the end will cause expropriation of assets for at least equal value. The contract lasts 7 months, with a calculated value at the end of 4.05 guineas. .5 Guineas Will be withdrawn effective immediately out of the final owed amount.


Signed:
Vixen Volume Trading
Shary's financial services

@DRAIGNEANCRAIGNEANELDNEAN

We, the undersigned Sharky financial services and 'Greg', agree to the following:

We, the undersigned Sharky financial services, agree to receive 3 guineas from the undersigned, 'Greg'.
This amount will incur into a monthly interest of 4.5% of the current outstanding value, to be paid added to the existing amount. This investment will continue in perpetuity, however, 'Greg' may deposit additional funds at any time. With three months notice, 'Greg' may withdraw funds from the investment. This waiting period may be waived with the agreement of both parties. Failure to provide the sum will cause expropriation of assets for at least equal value.

Signed,
- Eustace 'Useless' Aberdeen Heathertonvinshire Von Mabeque Of Ulm, the first of his name, Esq
- Sharky's financial ventures

@IRIDIUMIRIDIUMIRIDIUM
here is a loan proposal to you

We, the undersigned Sharky financial services, agree to transfer 3 guineas to the undersigned company, Blue Fish Enterprises.
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 month. 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:
-Sharky's financial ventures
-

Spoiler: Sharky's financial services (including contracts signed this turn after this post) (click to show/hide)

Resources
Funds: 5.7 Guineas
Favour: None
Commodities: None
Investments: None

Financials
Debts:
- 3 guineas, to VVT (Fox), Turn 0, no term, 5% monthly, Interest accrued: -0.2. Expiration: Turn 7. Expected value at expiration: 3.55 guinea
- 3 guineas, to Pibleton (Kashyyk), Turn 2, no term, 4.5% compound, Interest accrued: 0, Advance warning for withdrawal: 3 turns, interest added to principal
- 3 guineas, to Greg ('gnean), Turn 2, no term, 4.5% compound, Interest accrued: 0, Advance warning for withdrawal: 3 turns, interest added to principal
Credits:
- 1 guinea, from Rock's firm (Rockeater), Turn 0, 6 months, 0.1 monthly 3/3 suspension available, Interest accrued: 0, Interest disbursed:0.2 Expiration: Turn 6.
- 3 guinea, from Wilco Ventures (Flazeo), Turn 0, 6 months, 0.3 monthly 3/3 suspension available, Interest accrued: -0.4, Interest disbursed:1 Expiration: Turn 6.
- 3 guinea, from Blue Fish Enterprises (Iridium), Turn 2, 6 months, 0.3 monthly 3/3 suspension available, Interest accrued: 0, Interest disbursed:0 Expiration: Turn 8.

[Horizon]

Spoiler: Junk & Crap Inc. (click to show/hide)

Funds: 3 Guineas
Favor: None
Commodities: None
Investments: None
Debts: None

J&C Inc.
This letter regards all local business's and/or organisation's with a full stock of sand. We would like to invest in your stock of this resource, totalling to exactly 1 Guinea to invest.

If you are interested in an investor than please, mail this to the return address with your acceptance.
Signed:
- J&C Inc.

[NUKE9.13]

I'm thinking of processing the turn ~24 hours from now. I will consider an extension if there is demand for one, though.

[TricMagic]

Bathtub Corsairs has taken a 0.5 Guineas loan from Vixen Volume Trading, to be repaid with 1 Guineas after the next shipment of Sand arrives via the Clarise or Nearsouth Nsailor. Bankruptcy on the Bathtub Corsair's part will annul this Contract should both ships they have Shares in be sunk and they have to be bailed out via the Crown.

Signed,
- Bathtub Corsairs
- Vixen Volume Trading

As this is, but hopefully it goes smoothly

ACTACTACT: [Sell 3 units of sand to gain 1.5 Guineas.]

We, the undersigned private entities, agree to purchase the ship 'Nearsouth Nsailor' to sail the route between the Motherlands and the Nearsouthlands until the ship has sunk or it has been chosen otherwise. Percent shares will be given out to all investors proportional to how much they have invested into the vessel. They can be sold or given away at any time. These shares entitle the holder to a percentage of the Nearsouth Nsailor's cargo as much as the amount of shares that are owned. Owning shares will also obligate the owner to pay at least that percentage of all repair costs necessary. Any executive decisions of the ship, such as changes to the name or destination, require the owners of at least 60% of all shares of the Nearsouth Nsailor. Any modification to this contract requires all shareholders of the Nearsouth Nsailor to be in agreement.

-3 guineas - Powder and Partners
-2 guineas - Aywanez Enterprises
-2 guineas - Bathtub Corsairs

Spoiler: Bathtub Corsairs (click to show/hide)

Gold n' Silver
Funds: 0 Guineas
Favour: None

Goods n' Operations
Commodities: 0 Units of Sand
Investments: 3 Guineas Share in the Clarisse. 2 Guineas Share in the Nearsouth Nsailor
Debts: 1 Guineas to VVT on next delivery of Sand.
Allied Interests: Ship Contract: Clarisse (3/10 Shareholder | WV 2/10, BFE 2/10, HC LLC 3/10) | Ship Contract: Nearsouth Nsailor (2/10 Shareholder | P&P 3/10, AE 2/10, ??)

Expensive Trinkets
Letter of Operation: We of the Bathtub Corsairs shall shall across the seas and bring back gold and Guineas with which to fill our coffers. No matter the cost or legality we sail to uncharted waters, dreaming of the golden bathes. [Doesn't actually exist. Just a motto for now.]

So, for now we need 3 Guineas to send that ship out, any takers?

[Horizon]

Spoiler: Junk & Crap Inc. (click to show/hide)

Funds: 3 Guineas
Favor: None
Commodities: None
Investments: None
Debts: None

(I think this just isn't fun for me anymore)
ACTACTACT: [Forclose and return 3 Guineas to the Crown, effectively go out of business.]

[Iris]

We, the undersigned Sharky financial services, agree to transfer 3 guineas to the undersigned company, Blue Fish Enterprises.
This amount will incur 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 the 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:
-Sharky's financial ventures
-Blue Fish Enterprises

We, the undersigned private entities, agree to purchase the ship 'Nearsouth Nsailor' to sail the route between the Motherlands and the Nearsouthlands until the ship has sunk or it has been chosen otherwise. Percent shares will be given out to all investors proportional to how much they have invested into the vessel. They can be sold or given away at any time. These shares entitle the holder to a percentage of the Nearsouth Nsailor's cargo as much as the amount of shares that are owned. Owning shares will also obligate the owner to pay at least that percentage of all repair costs necessary. Any executive decisions of the ship, such as changes to the name or destination, require the owners of at least 60% of all shares of the Nearsouth Nsailor. Any modification to this contract requires all shareholders of the Nearsouth Nsailor to be in agreement.

-3 guineas - Powder and Partners
-2 guineas - Aywanez Enterprises
-2 guineas - Bathtub Corsairs
-3 guineas - Blue Fish Enterprises

ACTACTACT: Purchase the Nearsouth Nsailor on behalf of the shareholders.

[NUKE9.13]

Late Spring, Y1
TURNTURNTURN

Spoiler: Actions processed (click to show/hide)

ACTACTACT: Sell 2 units of sand.

ActActAct: Sell 6 Units of Sand for 3 Guineas.

ACTACTACT: sell all 4 sand I own

ACTACTACT: Sell 2 sand to the market for one guinea.

actactact: Irresponsibly donate 2 ginnies to the fine eyepatch fellow.

ACTACTACT: [Sell 3 units of sand to gain 1.5 Guineas.]

ACTACTACT: [Forclose and return 3 Guineas to the Crown, effectively go out of business.]

Note: I am not going to treat this as a donation, unless Horizon comes back and clarifies that that was their intent. You can't return Guineas to the Crown if you never received Guineas from the Crown.

ACTACTACT: Purchase the Nearsouth Nsailor on behalf of the shareholders.

Since there is only one destination available, I'm going to be generous and assume that the ship will be following the Nearsouthlands trade route, and not sit in the harbour collecting dust (the bad kind of dust).

Three ships depart the docks this month, all headed southwards to collect more precious sand. The Warrick and Clarisse are joined by the Nearsouth Nsailor, the pronunciation of which is an enigma left to the reader to decipher.

The Market hungers, and ravenously devours the sand sold this month. Wealthy (but not wealthy enough to finance a ship) citizens buy jars of sand to display on their mantlepiece. Glassblowers (whose profession was previously very difficult) acquire wagonloads of the stuff, and are soon churning out high-quality glassware at a previously unthinkable pace. A representative of the Queen purchases a large shipment with which to construct a 'sand-box', so that the Queen may experience the new rarity at her palace. The demand seems endless... until it isn't. Though still a highly desirable substance, some of the novelty wears off, and the price of sand declines slightly.
[17 Sand sold]

Eyepatch Odysseus gratefully accepts a donation, allowing him to finance preparations for his trip. The donor did refer to the money as ginnies, but the coins turned out to be regular Guineas, so no worries. He is still looking for donations, and still presents the offer of exclusive charts if any party donates 5 Guineas or more (the prior donation would be refunded if this happened).
Emerald Robin EEHC receives a public letter from the Queen herself, praising them for their selfless contributions. The letter mentions the possibility of a greater reward once the Blind Goat departs- assuming the donation is not refunded, of course.
[Emerald Robin EEHC receives one (1) Royal Favour. This is an early-bird bonus, and will NOT be taken away if the donation is refunded by Eyepatch.] [There will be more rewards once the ship departs]


PRICES
Sand   - 0.45 Guineas per unit (-0.05)
Ships  - 10 Guineas each (+0)

DESTINATIONS
Nearsouthlands - 2 Month round trip, yields Sand

SHIPS
Clarisse  - Departed for Nearsouthlands in beginning Late Spring Y1, expected to return end of Early Summer Y1
Warrick   - Departed for Nearsouthlands in beginning Late Spring Y1, expected to return end of Early Summer Y1
Nearsouth Nsailor  - Departed for Nearsouthlands in beginning Late Spring Y1, expected to return end of Early Summer Y1

OTHER OFFERINGS
Eyepatch Odysseus seeks donations for exploration mission North. 2 Guineas donated so far.


NEW MECHANIC: Market Volatility. Feeding the Market may lower prices, whilst starving it may cause them to rise again. Or maybe not. The Market is fickle. But generally speaking, if supply outstrips demand, the price will fall. It ain't rocket science. Demand is not a constant, mind you. It may increase over time itself, as industries expand in response to more readily available goods.