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stabbitty death
2011-04-06, 03:39 PM
so my char owes 10'000 gp to the banker's guild. I have to share the treasure equally, hence 60'000. Party consists of
Shifter Barbarian
half-elf cleric/sorcerer
changeling rouge
warforged fighter
talenta ranger
cannith artificer (me)
I have 205 gp 5 sp
I have 1 month, please help.

Keld Denar
2011-04-06, 03:52 PM
You are an artificer. Craft 3 wands. Disguise Self, Mount, and Magic Aura. See if you can craft them partially charged, 5 charges of each will cost you 187.5 g and 15 xp. A light horse costs 75 g, and given that it is as close to a trade commodity as possible, you should get full price.

Now, use your Wand of Mount to summon a light horse. Use your wand of Magic Aura to hide the mount's magical aura. Then, use your Wand of Disguise to make yourself look like a seedy reputable used-horse dealer (polyester suit optional, but recommended).

Your initial 187.5g investment should work out to 375g, a flat doubling of your money.

Now, take that and craft a wand of each with 10 charges, costing you all of your 375g and 30 more xp. Repeat sale of horses to garner 750g.

Spend 750g to craft 3 wands with 20 charges each, costing you 60 xp. Sell these horses for 1500g. 1500g becomes 3000g for 120 xp, 3000g becomes 6000g for 240 more xp, and 6000g becomes 12000g for 480xp.

Final cost to you, 187.5g and 945 xp. But, since you are an artificer, I'd assume you have a crafting reserve, so you could probably half that cost.

OR

Your DM railroaded you into a plot hook, intends for you to adventure and slay monsters and take their stuff to earn your money back, and nothing you can do is going to change this fact.

gbprime
2011-04-06, 03:57 PM
He's only level 2 and is limited to Brew Potion.


I suppose for point of clarity we should ask WHY you owe bankers 10 thousand gold. Did you borrow money from them? If so, what did you purchase?

stabbitty death
2011-04-06, 04:05 PM
student loans

McSmack
2011-04-06, 04:06 PM
He can't craft wands at lvl 2.

He can make scrolls though!
Make a scroll of rope trick. Go to the Mournland. Loot. Use scroll so the cleric can heal you. Sell loots. Make more scrolls. Repeat.
Sell the halfling's dinosaur. Or just sell the halfling.
Use the rogue to help you rob/con people a la Snake Oil Salesman.
Take a boat to Stormreach. Rob people.


Pfft student loans. Those are the softest collection agents of all. House Cannith has better things to do than collect on that.

Djinn_in_Tonic
2011-04-06, 04:08 PM
student loans

Wait...your DM started you off with 10,000 owed to a banker's guild? That's incredibly uncool of him, especially if the other characters don't have fees like that.

What's his reasoning? Did you get anything cool to compensate for this penalty?

Keld Denar
2011-04-06, 04:11 PM
Ok, yea. I can 100% garuntee you that this is a plot hook. Just sit tight, keep arms and legs inside of the rail car at all times, and your money problems will be completely solved in 3-5 adventures, assuming you don't die a horrible stabbitty death in the meantime.

gbprime
2011-04-06, 04:12 PM
student loans

I second the question above. What did you get from the DM for this burden? Did the other players get massive debt too?

Are you a member of House d'Cannith or one of the other Artificer houses? They wouldn't charge their own house members a crippling debt to learn skills from their own people...

stabbitty death
2011-04-06, 05:33 PM
I didn't get anything at all. no other char has any such debt. my char went to morgridge university. I am a dragonmark carrieng member of house cannith (with favored in house to boot.)

Ormur
2011-04-06, 06:20 PM
That's hilarious. Does he let you pay mortgages, child support and taxes too?

Cartigan
2011-04-06, 06:37 PM
"Can we take a potty break before fighting the dragon?"

MammonAzrael
2011-04-06, 07:02 PM
I didn't get anything at all. no other char has any such debt. my char went to morgridge university. I am a dragonmark carrieng member of house cannith (with favored in house to boot.)

This is incredibly unfair. There is no reason or precedent for this. You need to speak with him, player to DM. Inform the other players if you feel the need. No one should be given an arbitrary wealth penalty like that. You don't need 10,000 GP, you just need to speak with you DM.

Even if he wants to use it for plot hooks, it makes no sense. There is no believable way a 2nd level character would be able to accumulate 10,000 GP in a month. There is no reason why your house wouldn't pay for your "tuition" (which you apparently got nothing from). It just...no. Tell your DM no.

Urpriest
2011-04-06, 07:29 PM
Isn't Morgrave University basically a community college? d20 Modern seems to think that 1gp=$20. If so, $200,000 seems like a heck of a lot for a community college education.

PinkysBrain
2011-04-06, 07:37 PM
Adventuring is incredibly profitable ... just go to your university and ask for a ticket on an expedition, it's what they do.

NichG
2011-04-06, 07:39 PM
I think its fine for a plot hook except for its instability. It's something that would work in a system other than D&D where wealth is less mechanically important (i.e. I could see it working in 7th Sea). It's a thing that drives your character to adventure and gives them motivation other than 'we met in a bar and it seemed the thing to do', and thats always useful.

But in D&D, lets say you manage to get 10000gp due to the DM's planned adventures or whatever. The party says 'Hm, well, we could pay off your loan with this, but thats boring. Lets just keep the money and deal with the consequences of not paying the loan.' Or for an evil party 'lets just kill you and keep the gold' . Suddenly the party has significantly inflated wealth. The difference between the decisions 'help Bob pay off his loans' and 'keep the money for power sake' is really large mechanically.

Now, as far as how to get said money, depending on party inclinations and DM tendencies I'd suggest to start feeling out the possibilities of performing a heist of some valuable thing, or try to make a deal with the banker to negate the loan in exchange for some sort of service.

Kylarra
2011-04-06, 07:40 PM
Isn't Morgrave University basically a community college? d20 Modern seems to think that 1gp=$20. If so, $200,000 seems like a heck of a lot for a community college education.Maybe you wanted to major in everything.


On a serious note, I agree with the people saying it's a plothook. 10k is a ridiculous sum of money to incur for training expenses for a 2nd level character.

ffone
2011-04-06, 08:07 PM
Agreed. For that money you can hire how many mercenaries for how long?

Or craft much more powerful constructs than one typical 2nd level humanoid, like four or five Clockwork Steeds (6 HD Large constructs).

gbprime
2011-04-06, 08:10 PM
You spent a feat on "Favored in House" ? Well that's your answer... borrow 10 grand from your house, then pay THEM back later. You blew a freaking feat on them liking you, after all.

PinkysBrain
2011-04-06, 08:11 PM
5 levels in a month is really not out of the question for an adventurer ... which will generally come with well over 10K.

Slow leveling curves are for gritty games ... D&D ain't gritty, Eberron is double plus not gritty.

Grendus
2011-04-06, 10:24 PM
Simple. Destroy the bank.

Halna LeGavilk
2011-04-06, 10:29 PM
Simple. Destroy the bank.

I second this motion. Then, using the remains of the old bank, build a NEW bank, or perhaps a community college, and charge idiotic 1st level commoners an 10,000gp Education to gain a single level in Artificer.

Or blow it on booze. Either way.

Goonthegoof
2011-04-07, 01:38 AM
Go rogue*, level up, destroy the bank with incredipowerful constructs.

As in the concept, not the class.

MammonAzrael
2011-04-07, 01:41 AM
Assuming my initial objections are somehow not applicable...what happens if you just don't pay the school back? You'll be off adventuring. Are they going to scry you, teleport in, and break your kneecaps?

stabbitty death
2011-04-07, 06:47 AM
Isn't Morgrave University basically a community college? d20 Modern seems to think that 1gp=$20. If so, $200,000 seems like a heck of a lot for a community college education.

last I heard it was a super artificer school.

edit by mammonangel
Assuming my initial objections are somehow not applicable...what happens if you just don't pay the school back? You'll be off adventuring. Are they going to scry you, teleport in, and break your kneecaps?

I owe money to the banker's clan, guild, thing. They took a piece of me to give to the bounty hunters who have magical tracking abilities.

Cog
2011-04-07, 06:52 AM
Maybe the DM has heard how powerful a class Artificer is, and rather than say, "No, please choose something else, that doesn't fit with the power level I have in mind for this game," he's done this?

....I really hope it's a plot hook.

kamikasei
2011-04-07, 06:58 AM
so my char owes 10'000 gp to the banker's guild. I have to share the treasure equally, hence 60'000.
You might want to negotiate the party distribution. You could just treat it as a loan from the party - if you can come up with a way to get 10k within a month, getting ~50k plus interest shouldn't be too hard with less time pressure. Depends on your relationship to the rest of the party.

Your best options are probably finding someone powerful (possibly the bankers themselves) who will cover this debt for you now in exchange for some kind of service, or tracking down leads on some treasure worth hunting. Investment schemes or magic item crafting are not likely to be what the DM's looking for. Alternatively, "investing" in e.g. an oceangoing trade venture by signing on as its escorts in exchange for a cut might be an option.

druid91
2011-04-07, 07:08 AM
The solution is to scam people. Or use horrible tricks to make yourself enough money to laugh at this.

As long as you don't involve your party members... Well if you do all the work why do they get money?

Monodominant
2011-04-07, 07:33 AM
Or simply dont pay.

So they took a piece of you.

So they send bounty hunters.

So they track you.

Well you have a party that spent time adventuring, levelling and keeping the loot they found.

You kill them and take their loot. The rest of the party will thank you cause it should be easy XP and cash given that you know when they are coming for you!

Plus the bank obviously wont kill you... if they did they would end up losing the loan AND they will have to pay the bounty hunters... double loss really! And its not as if they can take your money if you dont have them! So they will probably have tasked the bounty hunters with capturing you, threatening you etc...

kamikasei
2011-04-07, 07:40 AM
You kill them and take their loot. The rest of the party will thank you cause it should be easy XP and cash given that you know when they are coming for you!
That's assuming the party are okay with becoming outlaws who can very quickly expect to be cut out of the civilized society of Khorvaire. We're talking about a banking guild - they're not going to lack for connections and influence. They have a lot of ways to hurt the party beyond just hiring mercenaries.

Plus the bank obviously wont kill you... if they did they would end up losing the loan AND they will have to pay the bounty hunters... double loss really!
That loss may be acceptable for the message it sends other debtors that they will die slowly and painfully if they attempt to back out on a loan. If it's just the money then any bounty hunters are more likely to be sent to capture, not kill, yes, but if the party starts resisting then that's likely to change very quickly.

Monodominant
2011-04-07, 07:43 AM
Yes but the thing is he didnt say the bankers will send the law against him... he said bounty hunters...

So if I am sitting her minding my business and 2 burly guys break down the door and say "hey we are looking for the fat artificer kid tell us where he is"

and I reply "piss off" then well... if they do attack me its self defence... doesnt make me an outlaw really..... Yea we are resisting but we didnt do anything and like hell we will let someone take one of ours that just helped us kill that damn huge monster.

Plus sure, banking guilds have influence... the Houses have more... and this dude is a prominent member of one.

big teej
2011-04-07, 08:52 AM
the biggest 'debt' I've ever attached to a player character is a patron of some sort so I have something to fall back on in the event that the plot stalls out.

this sounds rather ridiculous, and I really hope its a plot hook.


I'd call the DM on this one.

PinkysBrain
2011-04-07, 09:05 AM
Characters have destroyed planes of existence in less than 30 days, I still don't see what the problem is ... he's level 2 now, he doesn't have to be level 2 in 30 days.

Zergrusheddie
2011-04-07, 09:15 AM
student loans
Here's an idea... (http://nodwick.humor.gamespy.com/ffn/index.php?date=2011-03-22)

That is really quite silly. You are starting at a deficit that is higher than the WBL of a level 5 because you decided to go to school? Last I checked, DnD wasn't Life where college actually puts you ahead of things. I hope this is a plot hook, like everyone else.

Every character should be different and have it's own kind of RP, but Fluff should never get in the way of Crunch that significantly.

true_shinken
2011-04-07, 10:44 AM
Find a level 1 Wizard, attack him, get his grimoire, sell it. You should only need about 4 level 1 wizards to get 10k.

Airanath
2011-04-07, 11:19 AM
Unless, say, said banking guild is house Kundarak(which usually is, seeing its eberron). Then they are both a DRAGONMARKED HOUSE AND A BANKING GUILD, which means you are utterly screwed =D

That aside, its (most probably) a plot hook. If not, you can always lean on the Favored by the House favor, if you have a dragonmark to boot, you'll probably even profit ou of it. I mean, a canith, dragonmarked, artificer? They not only would pay his scholarship, but also give some monthly allowance so you can party it out and make a few homunculi. Of course, you are expected to build stuff for the house every so often. Also: Seeing as he is human (house canith is a human house, unless Eberron changed a lot since I last read a book), he most likely has both the dragonmark and favored on the house, seeing his char is, probably, roleplay oriented.

Jolly
2011-04-07, 11:22 AM
Your DM is a jerk. Talk to him and tell him to stop being a jerk. And let us know what happens.

Warlawk
2011-04-07, 01:28 PM
Like a marked scion favored within the house would ever slum it and get an education at Morgrave.

Tell your DM if he's going to try and screw you like that he needs to take you to dinner and a movie first.

As others have said, he has no basis within the rules for doing this. It appears to be something he wants for story purposes. For something with that degree of railroading he needs to have a player volunteer for it, not just inflict it on whoever he wants. Talk to him about it, or just flat out say no. Its your character and he has no basis to do anything of the sort.

McSmack
2011-04-07, 01:44 PM
Here's what's gonna happen, mate. Some Cannith functionary is going to approach you in a few days, perhaps a week (DM needs to let you sweat a bit for realism). He's going to offer you a job, one simple job, to wipe out your debt. You will take this job. It will be much more dangerous than he had anticipated. You will kill things. There will be loot. This is D&D. Things like this happen.

My party once looted an abandoned keep for half a million gold worth of magical equipment. We sold it to the neighboring kingdom who was under siege by orcs. What we didnt' know is that the fortress was an ancient artifact and the stuff it created only lasted for a month before it disappeared.
Had a lawyer show up outside a dungeon and serve my character. 145,000gp or a death sentence.

It's a plot hook. Be cool, make some scrolls and fret a bit about it, just to make the DM feel good, but don't freak out.

Warlawk
2011-04-07, 02:01 PM
Here's what's gonna happen, mate. Some Cannith functionary is going to approach you in a few days, perhaps a week (DM needs to let you sweat a bit for realism). He's going to offer you a job, one simple job, to wipe out your debt. You will take this job. It will be much more dangerous than he had anticipated. You will kill things. There will be loot. This is D&D. Things like this happen.

My party once looted an abandoned keep for half a million gold worth of magical equipment. We sold it to the neighboring kingdom who was under siege by orcs. What we didnt' know is that the fortress was an ancient artifact and the stuff it created only lasted for a month before it disappeared.
Had a lawyer show up outside a dungeon and serve my character. 145,000gp or a death sentence.

It's a plot hook. Be cool, make some scrolls and fret a bit about it, just to make the DM feel good, but don't freak out.

Still kind of a crappy thing to do to a player without talking to them beforehand though. If a DM came to me before the game and said "Hey, I've got this hook I want to use and it needs XXXXX complication for a character, are you interested?" I wouldn't bat an eye. If I sat down at the table to play and the DM sprung it on me cold, I would be extremely irritated.

stabbitty death
2011-04-07, 02:49 PM
Yes but the thing is he didnt say the bankers will send the law against him... he said bounty hunters...

So if I am sitting her minding my business and 2 burly guys break down the door and say "hey we are looking for the fat artificer kid tell us where he is"

and I reply "piss off" then well... if they do attack me its self defence... doesnt make me an outlaw really..... Yea we are resisting but we didnt do anything and like hell we will let someone take one of ours that just helped us kill that damn huge monster.

Plus sure, banking guilds have influence... the Houses have more... and this dude is a prominent member of one.

These aren't any bounty hunters, they come from the dragonmarked bounty hunter house and they have a chunck of my ear.
btw first time in ebberon if you can't tell:smallredface:

druid91
2011-04-07, 02:52 PM
These aren't any bounty hunters, they come from the dragonmarked bounty hunter house and they have a chunck of my ear.

Wait a chunk of your ear? For student loans? To learn what??

You could probably learn artificing better just sitting around at the family workshop.

stabbitty death
2011-04-07, 03:05 PM
they beat my char up and took the chunk because I was late on my payments

gbprime
2011-04-07, 03:11 PM
they beat my char up and took the chunk because I was late on my payments

You have Favored In House. Seriously, go to them for a loan, then go adventuring to earn the cash to pay it off. They don't want some other house killing off anyone in their house who is Favored.

Cog
2011-04-07, 03:15 PM
they beat my char up and took the chunk because I was late on my payments
Did your DM simply decide that for you, too?

druid91
2011-04-07, 03:28 PM
Personally? At this point I'd be gone. I'd kill whoever had the ear and vanish. then come back to expunge kundurak from the face of khorvaire after sufficient leveling.

McSmack
2011-04-07, 03:40 PM
Knowing now that there is an ear involved, I'd say the DM is being a jerk or he's incompotent or he's an incompotent jerk.

And I'm not just saying this because of my ear fetish.

It's one thing to have a little plot device as a hook. It's quite another to have your supposed allies cutting up perfectly good ears. Especially after you spent a precious precious feat to make them like you. Next time these guys show up you might have to go Carrie on them.

This could be a really bad plot device to get you tied up in some Cannith intrigue, but if so it's not working.

I doubt you can reason with them. So kill them instead. Leave a note with the bodies saying they'll get thier money when you're damned good and ready to pay them.

Then run like hell!

stabbitty death
2011-04-07, 03:48 PM
I didn't owe money to cannith, I owed money to the banker house.
well I did say my char just got out of college...:smallsigh:

Cog
2011-04-07, 03:54 PM
I didn't owe money to cannith, I owed money to the banker house.
well I did say my char just got out of college...:smallsigh:
Don't student loans typically not begin to come due until you've left college? If you're fresh out, it'd have been hard to miss a payment.

Keld Denar
2011-04-07, 03:55 PM
No no no, Cannith is like, one of the more powerful dragonmarked houses. You are favored by them. Go talk to your great uncle, the crazy one who's probably a mastermaker or something, and ask HIM for 10k gold, pay THAT to the bankers to get your ear back, and then you work for house Cannith and not some rotten crooked loan shark who's more likely to knee cap ya than take your payments.

You are FAVORED. You took an otherwise WORTHLESS feat. If Favored of the House can't get you out of this trouble, then its COMPLETELY WORTHLESS, or your DM is just a douchewaffle.

Although I'm beginning to think the latter is the most likely case. Or you just like the attention. Either/or, you have a half dozen answers...what else do you want?

Forged Fury
2011-04-07, 03:56 PM
The bankers guild in Eberron is a dragonmarked house, House Kundarak specifically. That might create an interesting bit of fun with a Cannith vs. Kundarak deal.

If it isn't a plot hook, the best bet is to lean all the way over on your Favored in House feat and find a patron who will assume your debt. You might end up being their lackey for a couple of levels, but so what?

Either way, Morgrave is basically Sharn Community College from what I recall. It really shouldn't be very expensive.

Wait... are there primary arcane spellcasters in the group other than you? According to the Eberron fluff, they should have probably attended a formal school as well (which never really made sense for Sorcerers, but whatever).

Cog
2011-04-07, 04:01 PM
There was mention of a House of bounty hunters on his tail, so it's likely Tharashk that's after him instead, for what little that's worth.

stabbitty death
2011-04-07, 08:31 PM
There was mention of a House of bounty hunters on his tail, so it's likely Tharashk that's after him instead, for what little that's worth.

Kundrak is gonna' hire tharashk to kill me if I don't pay up.
p.s party comp is in 1rst post.

Cog
2011-04-07, 08:37 PM
Kundarak is maneuvering with Tharashk to screw over a favored member of Cannith?

Yeah, there's no way Cannith would stand for that.

Lhurgyof
2011-04-07, 08:46 PM
Wait...your DM started you off with 10,000 owed to a banker's guild? That's incredibly uncool of him, especially if the other characters don't have fees like that.

What's his reasoning? Did you get anything cool to compensate for this penalty?

It might be from leveling up...

I remember in hack master (which is just AD&D rules), you had to pay a huge sum of gold to a trainer to level you up.

Cog
2011-04-07, 08:50 PM
It might be from leveling up...
At least one other character is 2nd level. I think that would have been mentioned by now if that were the case, particularly since people have suggested further leveling as the answer.

Lhurgyof
2011-04-07, 08:59 PM
At least one other character is 2nd level. I think that would have been mentioned by now if that were the case, particularly since people have suggested further leveling as the answer.

Yeah, sorry, thats what I get for just reading the first few posts.

Airanath
2011-04-08, 05:42 AM
Okay, I am gonna join the "you dm is a jerk" club.
A member of house cannith owing some money to kundarak, is all right, can make for many different plot hooks.
Ranging from, Kundarak ask you to find a canith schema and use it to craft them something they are interested in cheap, or even steal it for them, to you asking your house for money, having they pay the debt, and being sent to the mournlands to recover some of what you expended by recovering important technology in the lost house enclave there.
If you kick in you are house favored tought, your house would pay it for your debt, simple as that, and send you to do simple favors, add a dragonmark (don't remember you saying you have/not have it), and they would pay you for being so dumb as to be indebted, and tell you to kindly not leave the house if at all possible(solution to your dm unjerk, and tell he doesn't want you to play a dragonmarked, favored in the house, artificer maybe? *hints hints*), now, you could, being an artificer, AND having the dragonmark, just use that lovely dragonmark power everyday, boosting your craft, and make stuff using whatever craft you have to get some money, don't even need to go so far as making magical loot to boot, but the way you describe its going, I daresay, if you do pull out the money for it, your dm is just gonna attach interest to the debt.

kamikasei
2011-04-08, 05:56 AM
Did your DM simply decide that for you, too?

well I did say my char just got out of college...:smallsigh:
I think the part that really disturbs me about this is that the DM isn't just inconveniencing you (to put it mildly) for a plot hook without talking it over with you first at all - it's that she's telling you, the player, that your character was dumb enough to rack up this absurd debt without (it seems) any plan for paying it off. That's just not cool. If a GM wants to give a powerful NPC a grudge against me because of a case of mistaken identity, as a plot hook, that could be all right even if she doesn't check it with me first, depending on the dynamics of the group. If she flat-out tells me that my character stole this NPC's favourite airship and crashed it in the middle of a Talenta rodeo, for a laugh, over a drunken weekend then that's a pretty gross breach of player agency.

FelixG
2011-04-08, 05:58 AM
So many far too complex ideas....

Just have your character throw himself off something really tall and die, then you introduce his identical twin brother who flips a finger at the nearest set of lightning rail tracks and learned his own artificing instead of going to some chump school.

Tada!

Canarr
2011-04-08, 06:34 AM
I'd like to add another voice to the "Your DM is a jerk" choir. Singleing out your character among the group to slap down with a serious handicap right from the start, is uncool. GMs don't get to make arbitrary decisions for the PCs; that's what NPCs are for.

If talking it over with the GM doesn't work, the idea of using your House Favored status to get someone else to loan you the money is a solid suggestion.

Killer Angel
2011-04-08, 07:41 AM
One of my former DM, was used to screw the characters in such a way, on a regular basis. At least, he had the "decency" of screwing almost all the characters.
And things like this:


You are FAVORED. You took an otherwise WORTHLESS feat. If Favored of the House can't get you out of this trouble, then its COMPLETELY WORTHLESS
were, indeed, worthless defences.

Guess what? he's no DMing anymore. No one wants to play with him.

A chunck of your ear? no way, man.

Malbordeus
2011-04-08, 07:56 AM
level up fast then pay the guys you owe a visit and explain patiently that you would much rather they wrote the loan off.

or apply for bankrupcy and pick up the vow of poverty feat. :P

Darrin
2011-04-08, 08:53 AM
I have 205 gp 5 sp
I have 1 month, please help.

That's enough to buy you two Chaos Flasks (Planar Handbook p. 76). Wisdom check DC 13 can turn one of those into a diamond worth 10000 GP. Give the diamond to the bank, and then walk away casually (but very, very quickly) before the duration expires and the diamond evaporates.

Or...

1. Spend 15 GP to buy 1 lb. of saffron (trade good, PHB p. 112).
2. Find a 13th level spellcaster that can cast summon monster VII and is willing to accept trade goods in lieu of the 910 GP cost.
3. Ask the spellcaster to summon a djinn.
4. Give the saffron to the djinn, have him use his major creation SLA to create 20 cubic feet of saffron. Vegetable matter = permanent duration. 20 cubic feet = 1028 lbs of saffron (this is a napkin guess based roughly on 1 pound = 16 ounces = 2 cups = 1 dry pint = 0.019444 cubic feet). 1028 pounds of saffron x 15 GP per pound = 15420 GP.
5. Give 61 lbs of saffron to the spellcaster and tell him to keep the 5 GP change.
6. Give 667 lbs of saffron to the bank and tell them to keep the 5 GP change.
7. You have 300 lbs of saffron left. That makes an awful lot of paella or saffron pancakes. Or convert it into 4500 GP and invest that into a fund to buy yourself some Undershorts of +5 vs. Vindictive DM.

Note: If your DM gives you any pissing and/or moaning about this is "cheating", then use this scheme (http://www.giantitp.com/forums/showthread.php?t=181060) with a Chaos Flask to get about 86,130,000 GP worth of Black Lotus Extract. Assuming you can still get 50% market value, 43 million GP should be more than enough to obliterate his precious little local economy and drag a few neighboring continents into economic ruin.

Epsilon Rose
2011-04-08, 09:44 AM
You know, using favored in house to ask for another loan is a lot nicer than what I'd do.
I'd probably recommend telling your house that the bounty and banking houses are trying to pull one on you and that you're going to lay low for a month so you can figure out how to deal with them your self, but you might need to borrow some house troops regardless. Either way they should be ready to move on the giant craters you're about to blast into the political landscape.

After that go adventuring and leveling up, come back with enough power to destroy/seriously damage the offending houses and have your house do some cleanup/power-grabbing. Every one wins.
Except for the banker. But they're smoldering piles of ash at this point so nobody cares.

Noedig
2011-04-08, 09:58 AM
I kind of want to play eberron now. Forgot how ludicrously fun it is.

Tael
2011-04-08, 09:59 AM
I suggest you go into overdrive. Read This (http://brilliantgameologists.com/boards/index.php?topic=5929.0) and This (http://community.wizards.com/go/thread/view/75882/19872330/Artificer_Handbook_%28rough_draft%29), and then go take down threats 5 CR higher than you should be normally fighting, and very quickly level up to 8. Once you hit level 8, you will be unstoppable, and you can kill any bounty hunters they throw at you.

But of course, your GM will just arbitrarily give the loan sharks crazy high level bounty hunters, so you should probably just pay them off.

stabbitty death
2011-04-08, 02:52 PM
thanks to everyone I'll post how it goes

DonEsteban
2011-04-08, 06:32 PM
I can't believe how everybody starts bashing the DM as a knee-jerk reaction. Without knowing anything at all about him. I suggest you just trust your DM. He's gonna have some kind of plan. If you don't trust him, you should quit playing right now. Otherwise just see where it takes you.

Finding out how your house thinks about all this is an excellent idea. Finding out what your party thinks is another one.

MammonAzrael
2011-04-08, 06:53 PM
I can't believe how everybody starts bashing the DM as a knee-jerk reaction. Without knowing anything at all about him. I suggest you just trust your DM. He's gonna have some kind of plan. If you don't trust him, you should quit playing right now. Otherwise just see where it takes you.

Finding out how your house thinks about all this is an excellent idea. Finding out what your party thinks is another one.

Bashing the DM was not a knee-jerk reaction. It was a considered response, based upon all the information we were given. Even assuming that the DM wants to use this as a plot hook, which is likely, he has gone about it in an extremely poor fashion; he did not saddle any other character with it, he did not consult the player in question, and the debt is outrageously inflated and does not fit the setting at all, especially considering that stabbitty death has received nothing for being giving this burden.