Economy Guide

ECONOMY
We tried to do the Economy System as simple as possible, claims get an income depending on several factors, like Settlement, income varies whether there is a town, village or city within the lords territory. Another factor is Ports, Ports provide lords with different income depending on their category, for example White Harbour’s port will provide a larger income to House Manderly than what the Lonely Light would provide its ruler with. A third factor are Roads, every keep has an income due to the people who travel by its roads, there are three categories, Major (canon named roads), Minor (unnamed roads which appear in most maps) and Local (for everyone else)

There is also a special income which you can see on the right side of the Econ Sheet, some houses get a special income based on canon factors, for example House Forrester gets an income from its Ironwood, House Lannister from its Gold, House Frey from its Tolls.

MERCHANTRY
People can always boost their income by dedicating themselves to merchantry, although not considered as honourable by highborn it is always an option, at the end of the day Petyr Baelish did not earn that much power by being honourable but by having a large sum of gold.

In aDoD claims are allowed to have up to invest in 3 merchant guilds (Single Characters are allowed up to 6). The investment equals 500 gold but investments of 50%-150% of that sum are allowed, the more you invest the more income you’ll have, there are also other actions which will raise or diminish that income, for example let’s say you decide to start dealing with furniture with a 500 gold investment, two years after you decide the furniture you make will be made out of Ironwood, you will need to get to an agreement with the Forrester player (for lore porpuses), and the agreement will cost 250 (they will not go to House Forrester) so your business will have a 10% bonus, each investment allows up to 3 10% modifiers (you can only get 1 each year).

In the end with some luck you would be able to make up to 200 gold from each guild you invest in.

You would also need to know any investment producing 15 gold (base roll no modifiers included) or less in a year will be considered as being in red numbers and it would get a -10% modifier which you would have to eliminate IC by getting a positive one, if your business goes makes red numbers twice it will go broke.

Available Modifiers
Canon Bonus/Malus Petyr Baelish would have this bonus as his capacity for making gold is known +10%

Better Materials +10%

Capable Management +10%

Tycoon +10%

Bad Quality -10%

Lack of Personnel -10%

BANKING
A third way to make gold is by opening a savings account, savings account will produce gold for your keep. Beware this gold is not immediately available as the bank adds it to your account so you would have to travel to Essos (Iron Bank/Rogare Bank) for a withdrawal.

LOANS
Loans are also a way to make gold fast, you need to contact a bank and negotiate the opening of a credit line.

Payments will not be deducted automatically but you will have to give the order (via modmail) for it. This is done to increase the risk of failing to fulfill your obligations and remember, Banks always have their due.

PRICES
Just like in the real world, things cost money. Here you'll find the prices for how much gold it costs to invite a certain number of regions to your event. (Houses from different regions that you're married into are permitted to come to your event for free, but not the whole region.) Here you'll find the costs of events at your wedding/tourney.