Buying a ship
- Thread starter phavoc
- Start date
Captain Jonah
Mongoose
Unless the new rules change it a ships mortgage is divide by 240 to get the monthly payment over forty years, you pay back twice the ships value in total.
allanimal said:
In the far future there seems to be rules against usury.
Ship prices have always been calculated without interest. It could be too that the Imperium has stamped out inflation (after all a Cr is a Cr is a Cr throughout the Imperium). Maybe the Fed needs to take some lessons from Imperial economists?Captain Jonah
Mongoose
-Daniel- said:
Yep. That's the way it's always been. Most players never pay off a ship, the monthly is just temptation to skip
Welcome to the world of buying a starship as a free trader. The banks rip you off massively :roll:
Rikki Tikki Traveller
Cosmic Mongoose
Actually, if a 40-year loan only doubles the payback amount that interest rate is about 2% or 3%.
Current 20-year mortages on homes (in the 5% range) just about double the amount. I know, I just bought a house.
When I bought my first house, it was at 8% interest and the 20-year mortgage TRIPLED the total amount that I paid: $70K for the house and $150K for interest.
I think the double-cost amount is correct. it is not 100% interest, it is 2% interest compounded over 40 years...
Current 20-year mortages on homes (in the 5% range) just about double the amount. I know, I just bought a house.
When I bought my first house, it was at 8% interest and the 20-year mortgage TRIPLED the total amount that I paid: $70K for the house and $150K for interest.
I think the double-cost amount is correct. it is not 100% interest, it is 2% interest compounded over 40 years...
Almost every merchant campaign I've run results in buying out the ship. Under CT, MT, TNE, T4, T20... all of them... a few good runs, and you can pay paments years ahead. CT Bk2 & T20, both can result in major profit margins... one particularly good run pays the ship off, and buys a second.Captain Jonah said:-Daniel- said:
Yep. That's the way it's always been. Most players never pay off a ship, the monthly is just temptation to skip
Welcome to the world of buying a starship as a free trader. The banks rip you off massively :roll:
Condottiere
Emperor Mongoose
Less so for a Vargr captain with an ambitious number two.
Captain Jonah
Mongoose
Multi ship games can be great, with lots of options available to a group. They do require some people to create second characters if the ships are very different but getting together a group with several ships leads to lots of new adventure possibility.
It becomes complex when you end up with a scout and a free trader but a little planning and the group can use the scout for advanced missions while the trader with minimum crew makes a little money then comes in to clean up any deals the scouts have sorted.
Self escorting convoys or a starmerc team with a corsair or escort type and a freighter.
Depends on how flexible the players and GM are
Which is why I think it should be up to the people in the game to decide how many ships of what type they have rather than the rules saying you get a free trader and that's the only ship you are allowed even if your scout did roll a ship of his own. The rules should be a framework for having fun, there should be NO ironclad restrictions of any sort in the rules, only suggestions and guidelines.
Its the 21st century now, not the 1970s. Flexible frameworks of rules we can have fun within NOT restrictive limits we must fight against.
It becomes complex when you end up with a scout and a free trader but a little planning and the group can use the scout for advanced missions while the trader with minimum crew makes a little money then comes in to clean up any deals the scouts have sorted.
Self escorting convoys or a starmerc team with a corsair or escort type and a freighter.
Depends on how flexible the players and GM are
Which is why I think it should be up to the people in the game to decide how many ships of what type they have rather than the rules saying you get a free trader and that's the only ship you are allowed even if your scout did roll a ship of his own. The rules should be a framework for having fun, there should be NO ironclad restrictions of any sort in the rules, only suggestions and guidelines.
Its the 21st century now, not the 1970s. Flexible frameworks of rules we can have fun within NOT restrictive limits we must fight against.
Rikki Tikki Traveller
Cosmic Mongoose
I played in one game where that happened. Wish we had had the rules from Merchant Prince back then...
When multiple ships are part of the game, then Merchant Prince and the rules for companies becomes invaluable. ALSO, if you are setting up a trading company, then likely you won't be using the Trade rules as written, since you can now make those advanced deals and schedule regular runs and get all the advantages (or at least some of them) that the big boys get. Of course you are now direct competition and they don't always like that...
When multiple ships are part of the game, then Merchant Prince and the rules for companies becomes invaluable. ALSO, if you are setting up a trading company, then likely you won't be using the Trade rules as written, since you can now make those advanced deals and schedule regular runs and get all the advantages (or at least some of them) that the big boys get. Of course you are now direct competition and they don't always like that...
Captain Jonah
Mongoose
Rikki Tikki Traveller said:
^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^
That being where the Corsair or patrol cruiser that is the other ship comes into it's own :lol:
