Jak Nazryth said:
For calculating monthly payments for 40 years, the rules say(p 138 core book) to divide by final price 240. But there are 480 months in 40 years. Is this a typo?
Dividing by 240 is a simple way to calculate the loan payment without having to do interest calculations.
I checked home loans and the actual amount paid on home loans over 30 years it is about double the amount financed for a 5.25% loan.
Jak Nazryth said:
The cheapest ship (free trader) costs 36.567 MCr stock. That's a monthly payment of 152+ thousand credits per month.
Characters often decide to take older ships instead of brand new ships so that the cost and monthly payment are lower. Sometimes characters have ship shares to reduce the cost.
Jak Nazryth said:
Add crew salaries 15 - 20 thousand a month.
Ship owner crew often don't take a salary. They take a percentage of profits.
Jak Nazryth said:
Total cost per month = around 190 thousand credits per month.
For my calculation below, lets say 2 ship shares and a 10 year old ship for an additional 3% discount (varies based on dice roll) for a 5% discount and a ship that costs a little over 34.7MCr instead of 36.567 MCr.
One possibility:
Mortgage 145 thousand a month (instead of 152)
Maintenance and life support 25/month (same)
Paid crew 15/month
Fuel @ jump 1 refined 11 (left out)
Total Expense 196 (similar to OP)
Jak Nazryth said:
88 tons of cargo yields a max of 88 thousand credits per jump 1.
This assumes no mail which is 25kCr for 5 tons. The odds of getting mail are not the greatest though. This also assumes no spec trade.
Jak Nazryth said:
You would need to max out every single time, every 2 weeks on the dot to make payments and profits.
Am I making a mistake somewhere?
I believe disregarding speculative trade on a trade ship is wrong.
Jak Nazryth said:
Rolling on the trade speculation can get you more money per ton, but the randomness of dice can also loose you the same amount so in the long run it's close to a wash.
Its hard to predict the profits from speculative trade but to discount it is not fair.
1) This assumes there is no DM on Int, Soc, and Broker skill. If you buy a trade ship with no trade ability you should count yourself lucky if you can still break even.
2) This assumes there is no DM on goods.
- All of the common trade goods are available however they are some of the lowest Cr/ton and hence lowest profit goods.
- All the trade goods that match the worlds trade code(s) are available and will never have a negative DM to buy. There are 1d6 random goods available. This gives many goods to pick through. I have no idea how to determine what an approximate DM might be without knowing the systems. I would think Traders would tend to travel on a favorable trade route that gives good DMs.
- the base Cr/ton is important but it's hard to figure out with random goods and unknown world codes. Interestingly, a 50,000Cr/ton cargo with a mere +1DM total for broker skill, characteristics, and favorable trade codes would generate 2.5kCr/ton.
- the quantity of speculative cargo is hard to determine
So some of this is just numbers thrown together but I think it is a conservative estimate.
high passengers = 12 thousand (more likely than 36)
mid passage = 9 thousand (previously left out)
low passage = 10 thousand (instead of 20)
Speculative cargo with an average roll of 10 on 3d6
+2 DM for broker skill and characteristics on purchase
+2 DM for broker skill and characteristics on sale
a mere +1 DM combined between buying and selling world trade codes
10 tons of common goods at base 6kCr/ton = 15kCr
20 tons of speculative goods at base 25kCr/ton = 125kCr
45 tons of freight = 45kCr
13 tons of empty cargo
Total Income = 216
Total Expense = 196
Total profit = 20kCr with just one J1 per month
Someone better check this, It's late and I'm tired.