The Office of the Treasury


The CivIV Democracy Game RPG is now in session. This post will contain the game's economics and banking rules. The second post will be current accounts. Accounts inactive more than two weeks without proper notification (pm or post) will be posted under inactive accounts (See Inactive accounts below.) The bank is updated about twice a week (after evert turn chat.) If you haven't already noticed, I'm the banker. Have fun and enjoy.

RPG Economy

Upon joining the RPG each person receives 500 gold, thereon each player receives 50 gold per turn chat, in theory about 100 gold per week extra, extra revenue can be gained by businesses, revenue from land etc.

Banking

All accounts are kept at the Bank. Salaries are added to all accounts after each turn chat. All transactions must be posted at the bank with a link to the transaction post or a copy of the PM/email where the transaction occurred. Only one party of the transaction should make the transaction post, to avoid confusion. If the transaction is made at a business, the business owner will post the transaction. All amounts are rounded to the nearest whole number. Private transactions should be posted immediately. Businesses may hold their transactions until the day of the next turn chat and post them all at once.

Loans

Simple loans are available from the bank at 5% or 10% interest, after the researching of Banking inside of the game. 5% loans are for the purchase of assets (items, stores, etc.). 10% loans are signature loans and can be taken for any reason. Loans are repaid over a maximum of 3 terms. Maximum loan amount is 1/2 of your expected income over the loan period. All calculations will be based on an expected 8 turn chats per term. Loan payments are deducted automatically from salaries. A citizen may have only 1 outstanding loan at a time. Loans may be paid off early but no refund of interest is given. Contract salaries are figured assuming 10 turns per chat.

Stores/Shops:

OFFICIAL BUSINESSES
these are business threads run by a Manager (or an Assistant) that sell goods at the official market price (as set or authorized by a Manager). They record all transactions to the bank at each turn chat. They do not record profits. Your first official business is free.


Place of Business start-up expenses (Start-up Fee)
2000g: Large goods (houses etc)
1000g: Small Goods (food, clothes)
500g: Services (no goods exchanged)
0g: Non-profit organizations (no goods or services exchanged)

If a player wants to create a second official business, that business start up costs must then be multiplied by the number of business you have previously. This is called a entrepreneur's fee

Supply
It is assumed that each business has enough material to supply their customers.

Technology Restrictions
The technology of items sold can be no more advanced than one tech above our current knowledge in the actual Civ4 DemoGame.
Example: If we have Bronze Working then Iron Working is one advance away. Items dependent on Iron Working (sword, metal armour, etc) can be legally sold.

Taxation
Large goods businesses are taxed 20% of total income
Small goods businesses are taxed 10% of total income
Service businesses are taxed 5% of total income
Non-profit organisations are not taxed

Selling the shop
Businesses can be sold or liquidated. When liquidated, 50% of the Place of Business costs are returned to the seller. You first free business can not be liquidated. If sold to another private owner the price is negotiated. First business can be sold however. The buyer will then need to pay 1/2 the normal legal start-up fees, and will not have to pay an entrepreneur's fee.

Inactive Accounts

An inactive account is defined as an account that has not made any transactions in fourteen (14) days. This means that you must spend atleast 1 Gold every two weeks for the bank to give you 50 gold per turn chat (100 gold every week) or notify us in this thread that you are active, however you are not making any transactions (please provide a reason.) Inactive accounts will be posted in the fourth post here. Inactive accounts will not recieve 50 gold per turn chat. Inactive account will not be deleted and can be retrieved at any time with a private message to Ice via p.m.

War Bonds
War Bonds are a way to invest in your civilization's war efforts. Depending on the outcome of the war, your war bond can help you make money or help you lose money. War bond rates usually depend on objectives, units lost, cities lost and cities captured. Each war will have different rates and objectives. Objectives are determined by the current SoW. To purchase war bonds, please go to the Office of War Bonds Thread. (http://forums.civfanatics.com/showthread.php?t=168428)

Rules of Purchase-
1) War Bonds may only be purchased at war time.
2) War Bonds will only be payed back when peace is declared.
3) You may invest in as many wars as you like.
4) When investing you are only investing towards war with the specific country listed. Investing (purchasing) a war bond does not mean you are purchasing it for wars with multiple countries, even if we are at war with more than one country at a time.
5) Rates can not change after war is declared.
6) All purchasing of war bonds must be done in the Office of War Bonds Thread. (http://forums.civfanatics.com/showthread.php?t=168428)
7) Bonds are controlled by the Office of the Treasury

Current Balances

Balances as of June 23 9:38 p.m. (GMT -4:00)

BLCG100- 1035 Gold
Rob Boo- 966 Gold
Experiment626- 600 Gold
Jaseclimb7- 600 Gold
Roberto 'Moonshine' Di Luigi- 975 Gold
The Prophet Future- 1138 Gold
Ice2k4- 781 Gold
GeorgeOP- 734 Gold
Jasebow- 372 Gold
Dodonna "CivGeneral" Kusanagi- 900 Gold
Dutchfire- 974 Gold
Ninjatrey- 550 Gold
Dima- 594 Gold
StrategyDoRK- 750 Gold
Swissempire- 589 Gold

Account Summaries- A list of all transactions in your last turn chat. Showing this decreases the chance of mis-calculations, and a chance for the public to look over their accounts to make sure the Banker has made no mistakes.

Summaries as of June 23 9:38 p.m. (GMT -4:00)


BLCG100-
Before Turn Chat: 1035 Gold
Office of the Treasury: +150 Gold
Office of the Land Manager: +27(x3) Gold
Ice's Casino: +75 Gold
After Turn Chat: 1341 Gold

Rob Boo-
Before Turn Chat: 676 Gold
Office of the Treasury: +150 Gold
Office of the Land Manager: +35(x3) Gold
After Turn Chat: 966 Gold

Experiment626-
Before Turn Chat: 600 Gold
After Turn Chat: 600 Gold
Please post in this thread, you are currently placed under inactivity.

Jaseclimb7-
Before Turn Chat: 600 Gold
After Turn Chat: 600 Gold
Please post in this thread, you are currently placed under inactivity.

Roberto 'Moonshine' Di Luigi-
Before Turn Chat: 942 Gold
Office of the Land Manager: Your land has been repossessed.
After Turn Chat: 975 Gold
Please post here saying your active.

The Prophet Future-
Before Turn Chat: 988 Gold
Office of the Treasury: +150 Gold
After Turn Chat: 1138 Gold

Ice2k4-
Before Turn Chat: 442 Gold
Office of the Treasury: +150 Gold
Office of the Land Manager: +62(x3) Gold
Ice's Casino: +3 Gold
After Turn Chat: 781 Gold

GeorgeOP-
Before Turn Chat: 536 Gold
Office of the Treasury: +150 Gold
Office of Land Management: +16(x3) Gold
After Turn Chat: 734 Gold

Jasebow-
Before Turn Chat: 372 Gold
After Turn Chat: 372 Gold
Please Post in this thread, you are currently placed under inactivity.

Dodonna "CivGeneral" Kusanagi
Before Turn Chat: 750 Gold
Office of the Treasury: +150 Gold
After Turn Chat: 900 Gold


Dutchfire
Before Turn Chat: 728 Gold
Office of the Treasury: +150 Gold
Dutchfire's Bookstore: +33(x3) Gold
Ice's Casino: -3 Gold
After Turn Chat: 974 Gold

Ninjatrey
Before Turn Chat: 550 Gold
After Turn Chat: 550 Gold
Please post in this thread, you are currently placed under inactivity.

Dima
Before Turn Chat: 594 Gold
After Turn Chat: 594 Gold
Please post in this thread if you are active. You are declared inactive.

StrategyDoRK
Before Turn Chat: 750 Gold
After Turn Chat: 750 Gold
Please post in this thread, you are currently placed under inactivity

Swissempire
Before Turn Chat: 439 Gold
Office of the Treasury: +150 Gold
After Turn Chat: 589 Gold

Inactive Accounts-
Inactive accounts may be retrieved only by PM'ing Ice2k4 or posting in this thread.

Accounts in danger of becoming inactive-
These accounts have had no activity in the past two weeks. It is understood that you may not be purchasing anything at the moment to save up some money. This is fine. If you see your name here, please either post in this thread saying you are not inactive, or simply purchase something.

Inactive Accounts
Experiment626
Jaseclimb7
Ninjatrey
Dima
Jasebow
StrategyDorK
Roberto "Moonshine" Di Luigi

Accounts in danger of becoming inactive.


Note*- It has been noted you have been currently participating in the forum, however have made no transactions. Instead of becoming inactive after two weeks with no notification, your period will be extended to three weeks.

hey, could you please edit those posts so that they do not show your sig.

Sure, sorry about that.

From the office of the Land Manager:
When adding money after a turnchat, please go to this post (http://forums.civfanatics.com/showpost.php?p=3918466&postcount=3) to find the current gpt from land. I will update this every time someone buys land, so you don't have to wait for me to post in this thread.

Land Manager's report:
Please deduct the following amounts. These are to pay for land purchases and simply disappear from the game.

BCLG- 110 gold
Rob Boo- 300 gold
Ice- 230 gold
George- 160 gold

Ice could we get an update? we've had a t/c as well so thats 50 gold to everyone.

Rebel Pub accountant update:
Please take 8 gold from Ice
Please take 5 gold from Future

This gold(13) should be divided as follows:

Taxed at 5%--1 gold ( goes where ever taxes go)
Robboo gets 3 gold
BCLG100 gets 9 gold

Sorry for the delay in updating.

Sorry I'm in Florida this week on a 56k modem. So I haven't been able to check much. (I'll be back on dsl in New York on the 22nd.) I'll update the balances now for the April 19th tc. But I can't do the summaries yet (internet is too slow.)

No problem ice, just so we know you havnt forgotton about me :)

Looking over the balances, I believe I have made an error or two (again I apologize, I never checked them over because of the 56k.) At first glance it looks like my account has too much money in it. Hopefully, I have made no others, and the balances will be reviewed and corrected on the 22nd.

Sorry Again & Thank You,
Ice2k4

Ahh everything is updated and fixed. I have also finished all accoutn summaries and have edited the inactivity post. Please excuse my one mistake I made the other night, again I was on a crappy 56k and had no time to check over my work. It seems that on my account I had hit a 5 instead of a 3 for the first digit. I will update the bank again next turnchat, which I believe is tommorrow.

ice keep the other accounts acive for awhile, looks better the more active accounts we have :)

Will do, but after the third week of inactivity I'll remind myself not to give them any money. I will leave their accounts up in the open accounts post however to make it look like we have more people.

From the Office of War Bonds:
Ice2k4: -200 Gold
BCLG100: -100 Gold

Just a quick note, everything was updated last night.
Edit: I looked over 2 tc's ago when the Rebel Pub produced transactions. I just realized you taxed your business only 5%. Selling ale is not a service, it is a small goods business. Therefore, you should of been taxed 10%. Since I overlooked it, it is my fault, and I will make no changes to your account, however in the future, please make sure you've taxed yourselves correctly.

*cough*thieves*cough*

no problem..I misread..and thought it was goods and services.

Don't worry about it, the games just started anyway, and it would be thedifference of about 1 gold.

Moonshine is back! Sorry about the absense, I took a massivly long holiday, then was revisiing for pubic exams. But I would like to start again. I'm here:D

Ok, I will remove your name from the in danger of becoming inactive list. You may also have to edit your character in the caracter registry, for the new stats.

Builders Of Boaring Wallow Incorporated
Ice2k4: +180 Gold
Jasebow: -225 Gold

45 Gold was taxed (already computed) and is to go where ever taxes go.

From Office of War Bonds
Robboo- 200 Gold
Roberto "Moonshine" Di Luigi: -100 Gold

Bank Updated.

Please deduct the following for purchase of land.

BCLG 160 gold
Moonshine_MS 100 gold
Ice 390 gold

Rebel Pub accountant update:
Please take 16 gold from Ice
Please take 5 gold from Future
Please take 5 gold from Robboo
Please take 8 gold from jase

This gold(34) should be divided as follows:

Taxed at 10%--4 gold ( goes where ever taxes go)
Robboo gets 7 gold
BCLG100 gets 23 gold

This should be applied when ever you want.

Well considering we wont have a turnchat in a while, I'm going to ask BCLG if he minds me updating the bank as we regulary would (without a turnchat this week) so we can keep things moving

I think you can update it but just dont input the TC/land salaries. I also would not update the war bonds until peace is declared since losing a city we captured could theoretically still happen.

Well, why wouldn't I input the land management part? Also I technically ended the war bonds, but if we do lose a city, I wil update the war bonds and subtract the gold. If we use a few units though, I'm not making any changes.

Updated, kept the old summaries up there just incase we have to revert back to them, although thank god theres no judiciary in the rpg :p

We are the judge ..jury and executioner..so no money laundrying //joking ..no worries.

Starting a seond business. It will be a services business so it's 750 Gold.

500 + 1000 /2 Gold (Start-up fee) x 1 (Entrepenuer's fee) = 750 Gold

BBWI-
Subtract gold from
GeorgeOP: -400 Gold
Robboo: -500 Gold

Add Gold to
Ice2k4: 720 Gold
Where ever taxes go: 180 Gold

The Gentlemen's Club:
Subtract gold from
BCLG: 20 Gold
GeorgeOP: 10 Gold

Add Gold to
Ice2k4: 29 Gold
Taxes: 1 Gold
Technically the memberships can't be taxed since they're not a service or small good, just a transfer from one account to another.

From the ButcherShop

Subtract 2 gold from Future, 10 Gold from Ice, 12 Gold from George OP

Add 21 Gold to Jase, and 3 gold to taxes.

Add 2 Gold to Ice from me personally, for helping me, and subtract 2 gold from me.

-Jase

Accounts Updated!

Btw, thanks Jase, for the two whole gold. Insane.

BBWI

Subtract 160 gold from JAsebow

Add 128 gold to ice
Add 32 gold to taxes

Gentlemen's Club

Subtract 10 Gold (small good) from Jasebow, 50 gold (service) from jasebow, 5 gold from jasebow (membership untaxed)

Add 61 Gold to Ice
Add 4 Gold to Taxes

duuuuuuuude my balance is 666 :D

Yeh I meant to tell you that in the Rebel Pub.

:satan: Spawn the devil!!! :satan:

Man whenever rob updates the rebel pub account, I'm going to be so poor.

Office of War Bonds

Subtract 200 Gold from Ice2k4.

Add my account, and 100 gp please! :)

You start out with 500 Gold now. I'll add it when I update it tommorrow morning probablly.

Oh yah! 500 gp! Opens up the possibilites more.

Remember your first business is free :)

And without a need based economy all sales, besides taxes, go straight to my pocket.

Yes, which I still openly say I'm opposed to. I think we should have some sort of need-based economy.

I will update the bank in an hour or so, I believe I'm coming down with a soar throat, so I'm going to go eat some soup.

Ehh, I lied, got em updated now.

Accounts Updated!

My gold, she's gone:cry:

Swiss, you never registered as a character yet, hence you have no gold. Go to the character registry and register now for 500 Gold.

Since I didn't update the bank last turnchat I'm just going to combine the two updates and will update it after tommorrow's turnchat.

I've registered now.....

Your account will show up tommorrow after the turnchat when I update the bank.

I suggest you hold his account until he decides if he is going to be an pain about his land and the bar stuff.

Your just mad because you didn't hit my testicles with your arrow. I'm trying to get more people into the RPG by making it exciting, my bad.

And under what authirty can he actually do that?

dont know...same as you taking your land???

Well, there is no set CoL here, so I'm really free to do what I want, as long as I check in with BCLG, George and Robboo. I won't hold your account or anything and Swiss your doing a hell of a job making itmore exciting. Keep up the good work man, these last 2 days we've ahd the most posts in a while.

And Rob, maybe sometime or another you should post transactions for the pub.

Office of War Bonds:
+ 326 Gold to ICe2k4

dont know...same as you taking your land???
That would be so cool, the banker seizing my account with force, ZOMG, then we could have a whole root out corruption quest...

edit: and with the property thing, I was really excppecting George or BCLG to fight me for it...

OOC: Well, I guess my character could fight on the government's behalf and all, but I don't like him being refered to as the banker. There two totally different people. Swiss you mind if I start an RPG thread (or you could too) about your "quest" of regaining all your families property and wealth back. It would be pretty interesting.

That would be fine. Though I was about to start a quest of my own, that i would moderate.... but you can strt yours for all this banter...

Accounts Updated!

Whats the +50 for... and please subtract 96 gold to pay my mercenaries... they are getting agitated. They also may leave now...

50 gold is for being here for one turn chat. Yes, I was being nice ;)

I'll reupdate your account with the money subtracted for merc's.

Dodonna "CivGeneral" Kusanagi
Before Turn Chat: 650 Gold
After Turn Chat: 650 Gold
Please post in this thread, you are currently placed under inactivity.
I was not notified about this how can I reactivate this acount since I dont like to be placed under inactivity.

All you have to do is post here saying your active. I'll take the above post as you being active again.

Account Activated.

you get placed in inactivity if you wernt very active before the t/c so it should be cool now :)

Hmm, I am not inactive.

How dare you curse the name of my activeness.

Drunk Rebel Pub Accountant's update

ICE owes 26 of his own drinking.
ICE owes 23 of the Victory party/Nobody's tab
Civ Gen owes 5
Jase owes 20
George owes 10
Swiss owes 10
Dutch owes 5
diamolik owes 6

Total 105

Taxes (10%)11 POOF--its gone
Robbo share(25%)26 Please deposit at next update
BC share( 65%) 68 Please deposit at next update

Boos wood works update....

Way back from May 3rd
Ice owes 4 gold
Taxed at 10% is 1
Give Rob the remaining 3

Future your account has been activated.

I'm still around, barely...

SOrry for the delay on updating the bank again. Hopefully I'll have time to get it done tonight.

Dutchfire's bookstore
30 gp of Swissempire, 30 gp of BCLG100
makes 60:

10%=6 gp goes to nowhere
35%=21 gp goes to Ice2k4
55%=33 gp goes to Dutchfire

I'm just going to combine the two updates, and do it all tommorrow. MAkes more sense.

750 Gold from Ice, for starting the Casino.
100 Gold to Ice, for selling 50% share to SwissEmpire.
100 Gold from SwissEmpire, for the above.
25 Gold from Ice, Casino
25Gold to Swiss Empire, Casino

Accounts Updated!

For the third straight time I will combine updates. So I am updating the bank now. In which I just realized I will have combined three updates. SOrry for the delays guys.

Accounts Updated!

Forgot about updating the casinos income.

Bclg +75
Dutchfire -3

Total Income: -72
-72 form Ice

No taxes since no profit.


Accounts re-updated.

Amount to be deducted for Land Purchase:
Dimaliok 215 gold
Dutch 280 gold
Future 310 gold
George 260 gold
Ice 780 gold

Im active now was on vacation for 10 days

Ok will update soon.

its been a while

well you havnt really spent anything so theres no rush :D

I'm combing three updates again. So right after the next turnchat everythin will be updated.

Yeh your right im saving up for a gun powder store but i have to wait till giulds cause the tech restrictions

Dude your first business is free of charge.

yer but we dont have the tech for a gunpowder store which incidently comes with gunpowder not guilds :)

1 tech before right????

you can also wait for education.

Wait i took a look and i need both Giulds and edecation

Gunpowder 1200 Guilds or Education

ten characters

how often are taxes

Always. And let's face it the rpg is dead. Should I really keep updating the accounts?

I am active, but why has my land been reposesed without my knowledge???

Well, because you had not responded. Anyway the rpg is dead. Unless a couple of people wnat to start it again, there is really no point.

i will as soon as we get giulds