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Post by Yves Eau on Nov 15, 2019 9:55:49 GMT
In the absence of overwhelming support for rule changes, leave it as it is. I will adapt my strategy to cope. I suspect this will mean charging off to the front a lot more, but some players do that anyway, rather than attempt to manage debt.
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Post by Ymbert Montgomery on Nov 15, 2019 9:57:36 GMT
Fair, I think we'll put it on the backburner for now unless there's a surge of support.
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Post by gaston on Nov 15, 2019 10:50:40 GMT
Fair, I think we'll put it on the backburner for now unless there's a surge of support. With the proviso that the "additional loans on SL are repayable at the same time as any initial loan" rule (which seems to have universal disapproval) is ditched, thus allowing new loans to be taken out in order to pay old ones ?
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Post by Ymbert Montgomery on Nov 15, 2019 10:54:50 GMT
Fair, I think we'll put it on the backburner for now unless there's a surge of support. With the proviso that the "additional loans on SL are repayable at the same time as any initial loan" rule (which seems to have universal disapproval) is ditched, thus allowing new loans to be taken out in order to pay old ones ? Correct. That one seems to be generally disliked.
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Post by Alain Andre Durant on Nov 26, 2019 0:39:25 GMT
An idea I've seen before: If the character rises in SL they may seek the difference in their current loan and their new SL * 100 from the Shylocks. If one rises in SL quick enough, they might be able to pay off the original loan.
An idea that I've considered putting in when I get a game started is that of "topping up" a loan. When the six months comes around and the loan plus 10% is due, the character may continue the loan another six months, but at the end of the term, 25% is due (the original 10% and an additional 15% for the continuance). After this, the normal rules apply, with two beat-downs coming to those who do not repay (potentially leading to death).
But, the interest idea does make some sense. Three percent per month on a 1000 livres would be 30 livres per month. A character would certainly want to minimize this and pay the loan back as early as possible as the six month (or one year) deadline is still approaching. Perhaps, and this is a separate suggestion from the "topping up" above but could be done at the same time, the interest does not start until the six months deadline and if the interest isn't paid, the boys are sent around to collect each month, and to avoid the collection committee a character can always go to the front. It adds flavor. Mince meat I think.
In conjunction with the suggested estate rules, which I like, the shylocks could always seize property.
I'd avoid adding another skill, such as law, and rely on administrative skill.
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