Passive income

[Walrus Warwagon]

With consumables limit, wealth acquisition is not so gamebreaking for the combat balance. So I thought - yes, we can lobby IC for lower taxes to balance RP-expenses. But why not to increase amount of income sources instead?

Something like long-term investment opportunities providing you stacking wage based on invested amount, with possible fluctuation depending on risk/reward ratios.

Just for example:
Water - 2k invested for 1gp of wage until max of 3gp per tick, no risk, no chance of higher reward
Food - 1k invested for 1gp of wage until max of 3gp per tick, mid risk, low chance of higher reward
Medicine - 2k invested for 1gp of wage until max of 4gp per tick, low risk, low chance of higher reward
Salt - 3k invested for 1gp of wage until max of 4gp per tick, low risk, mid chance of higher reward
Spice - 3k invested for 1gp of wage until max of 5gp per tick, mid risk, mid chance of higher reward
Jewelry - 4k invested for 1gp of wage until max of 5gp per tick, high risk, high chance of higher reward
Total cap of wage - Base ranks of appraise + 5gp for Silver Palm + custom wanded status bonus
Can cash out at a sizeable loss to get quick money back.

Maybe even, at a later date, quick investment opportunities like caravans and such, where one should figure chances of success based on rumors and ambient messages.

[Empress of Neon]

I rather like the idea with those with higher and higher appraisal skills generating more and more passive income as opposed to players without.

Currently, I'm sitting at 1 gp for every 5 appraise (10 appraise gets you 2, 20 gets you 4, 40 gets you 8, and so on).  In addition to anything they might have going on with perks/faction wages (Though these might require some re-balancing if this is considered).

I'd personally like to notion simplifying the system and leaving 'how i get rich' to the players/their themes as opposed to any 'investment' system (that's all stuff you can leave in the background!).

LG- "Oh, I have a smeltery in Northport that produces iron for smithies."

TN - "Oh, I have a trade agreement with some hunters who sell me hides that are exotic to our market"

CE- "Oh I'm a loan shark. People see what's happened when they don't pay up."

Nevermind how classes might come into play.

But yeah, I really like this. Especially since it seems Efu seems to finally be creeping away from the murder-hobo-prisoner-colony vibes into a more grounded, worldly setting where... hey! Turns out there -are- actually markets and we don't have to all be passively-murderous armed combatants to get rich anymore! (Omg, can pacifists actually have some plausibility to exist on a non-spiritual basis?!).

UP THE GOLDS!

[KaedweniKnight]

I'd increase the investment amounts, I think it's a cool idea honestly, as long as it didn't cause a ton of gloat this seems like a reasonable idea if balanced correctly. For example I think that 15gp passive wage should be the max.  A Merchant Lord or someone with a wage in a faction could get even more, so it work out. Maybe some additional skill points in appraise to lower the investment amount.

[Pandip]

Join a faction, get a wage per tick.

[cmenden]

I'm not necessarily against this, since I like the idea of non-questing revenue streams for certain types of PCs

But I would say that the game already covers this pretty well!

Bards have a perk that gives them a Wage while in a Tavern to represent performing there
Rogues have a perk that gives them a Wage
Fighters even have a perk that gives them a Wage
...And for everyone else, there are faction wages as of V6

The perks have default assumptions but honestly could be taken and explained away on a PC as any number of other things. The Merchant Rogue even is more textually supposed to be earning passive income off their wheelings and dealings!

Still, I think of tribute and tax collections systems in prior chapters like Grey Keep and House of Trade and I think there's some interesting potential to explore this chapter

[I love cats]

It is already easy to do passive income make deals with  merchants for returns.