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Victor_ograygor
Master of Realmslore
Denmark
1072 Posts |
 Posted - 23 May 2007 : 21:56:10
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Are there any banks ore other ways of storing big amount of gold in the realms, and where?
How do for example nobles in Cormyr / Waterdeep store their gold.
And of cause which ways are safe to store gold fore an adventure?, I know you can buy gems and other stones but I am seeking knowledge of banks and other safe houses.
It this question has been asked before please give me the link.
In advance Thanks 
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Victor Ograygor The Assassin and Candel keeps cellar master
Everything I need to know about life I learned from killing smart people.
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Kentinal
Great Reader
4685 Posts |
Posted - 23 May 2007 : 22:14:07
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I do not recall this quetion being answered before, but like in most answers it varies.
As to Nobles, they can build their own strong houses to store their wealth or pay somebody else o store it.
Banks like getting a 20 year mortgage would not likely exist at all. Am old BD&D game did have in effect pawn beokers, they would lend money on part of the value of goods left with them. I believe there was a one time fee for the advance.
A modern approach does not apply, the concept of paying interest on funds intrusted to another is unheard of (at least by me), the funds need to be protected from theivies which costs money does not earn money.
At least this is my understanding.
Of course the poorer people would need to hide their treasure as they can not afford to pay somebody to guard it. |
"Small beings can have small wisdom," the dragon said. "And small wise beings are better than small fools. Listen: Wisdom is caring for afterwards."
"Caring for afterwards ...? Ker repeated this without understanding.
"After action, afterwards," the dragon said. "Choose the afterwards first, then the action. Fools choose action first."
"Judgement" copyright 2003 by Elizabeth Moon |
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WalkerNinja
Senior Scribe
USA
573 Posts |
Posted - 23 May 2007 : 22:14:46
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In my experience, if one is not going to be investing their gold in business ventures, there are a couple of options for "hording."
1) Rent space in the vault of a powerful merchant or local ruler.
2) Deposit your currency at a temple. Temples of Waukeen are particularly favorable towards this activity and in all meaningful ways can probably double as banks. Temples of Helm come in at a close second since their security is excellent, their religion is pervavise, and they like to guard stuff. |
*** A Forgotten Realms Addict since 1990 ***
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warlockco
Master of Realmslore
USA
1695 Posts |
Posted - 23 May 2007 : 22:33:59
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quote:
Originally posted by Kentinal
Banks like getting a 20 year mortgage would not likely exist at all. Am old BD&D game did have in effect pawn beokers, they would lend money on part of the value of goods left with them. I believe there was a one time fee for the advance.
A modern approach does not apply, the concept of paying interest on funds intrusted to another is unheard of (at least by me), the funds need to be protected from theivies which costs money does not earn money.
Only way this might work would be with liberal uses of the Geas spell. |
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Wooly Rupert
Master of Mischief
USA
36779 Posts |
Posted - 23 May 2007 : 23:18:53
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| There are bankers in Sembia... And the book Night Parade mentions some sort of secure storage facility in Calimport. |
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Kuje
Great Reader
USA
7915 Posts |
Posted - 23 May 2007 : 23:43:34
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| I'd also say that moneychangers, like Mirt, would do the same type of activities that banks in modern times do. |
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Scribe for the Candlekeep Compendium |
Edited by - Kuje on 23 May 2007 23:45:19 |
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The Sage
Procrastinator Most High
Australia
31701 Posts |
Posted - 24 May 2007 : 00:50:04
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There are merchant companies, enterprises and trading costers, that people in the Realms use to invest their money in, as well as agents who handle the investments and manage the financial transactions. There are people who will hide and/or protect your money, for a fee of course, and there are rentable storage spaces in various cities and other locales, as well as moneylenders and money-changers.
The locales that Wooly describes from The Night Parade function like "cache-houses"... existing as businesses equipped with what can only be assumed to be safe deposit boxes.
Ed's noted a rather integrated "bank" and "moneychanging" system at work in Delzimmer. See his Elminster Speaks articles at WotC.
As well, Waukeenar do, in fact, tend to run some of their temples as "moneylending" locales... within large cities across the Realms.
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Edited by - The Sage on 24 May 2007 00:50:44 |
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scererar
Master of Realmslore
USA
1618 Posts |
Posted - 24 May 2007 : 01:15:19
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| there was similar discussion on this a while back, that pertained to banks early RW time. very interesting. I remember finding and attaching a link for some info. |
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Marquant Volker
Learned Scribe
Greece
273 Posts |
Posted - 26 May 2007 : 23:47:30
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Humour:
Imagine the PCs raidind a dungeon owned by an evil villain,disarming deadly traps, fighting hideous monsters, and finally a dramatic and epic struggle with the villain himself,
and then they find no vault or treasure just a piece of paper with a name and an account number from a bank |
Edited by - Marquant Volker on 26 May 2007 23:49:33 |
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Kentinal
Great Reader
4685 Posts |
Posted - 26 May 2007 : 23:56:42
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What you mean the fireball did not burn the nonmagical scroll? *wink*
Letters of credit clearlty existed in RW and it tends to follow that for something like this a letter of credit, with proper seal, would be accepted in the Realms. Hey in the skill to forge or detect forgery it is designed to detect valid papers. Treaties often contain terms of money exchange, for one reason or another. It clearly follows that merchant grouops would use a simalar modle. In fact there has been much discussion about adventuring contrats already here at Candlekeep.
Letters of Credit should not be outside the realm of conduct of creatures that live in the Realms. |
"Small beings can have small wisdom," the dragon said. "And small wise beings are better than small fools. Listen: Wisdom is caring for afterwards."
"Caring for afterwards ...? Ker repeated this without understanding.
"After action, afterwards," the dragon said. "Choose the afterwards first, then the action. Fools choose action first."
"Judgement" copyright 2003 by Elizabeth Moon |
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Wooly Rupert
Master of Mischief
USA
36779 Posts |
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Victor_ograygor
Master of Realmslore
Denmark
1072 Posts |
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Ayunken-vanzan
Senior Scribe
Germany
657 Posts |
Posted - 27 May 2007 : 12:05:39
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quote:
Originally posted by Victor_ograygor
 The Melvos Hammerstars columns ? hmmm. ahh where do I find those
Maybe he alluded to theses tomes of knowledge:
Part one, Part two, etc. until part eight; all of them can be found here. |
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Edited by - Ayunken-vanzan on 27 May 2007 12:06:46 |
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Banks in Forgotten Realms
