Town Starting

[Aroka]

I think it might not be a bad idea to follow Yahtzee's advice for building a town (see his review for Torchlight). Try to trade whatever good land you have for something adjacent to/on top of something which will draw scads of adventurers. Watch the businesses and visitors come rolling in.

Works on a smaller scale, too - the Yawning Portal in Waterdeep does a nice business, and if the owner doesn't charge clerics a surcharge to work there, he's losing out on even more.