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Your character is unusual, xceptional
as compared to the norm.
This applies to abilities
&& funds as well.
Thus, he || she will have
a large supply of coins with which to purchase equipment
and supplies to begin adventuring.
The possible # of g.p.
with which a player begins depends upon the character
class:
| Cleric | 30-180 g.p. (3d6) |
| Fighter | 50-200 g.p. (5d4) |
| Magic-user | 20- 80 g.p. (2d4) |
| Thief | 20-120 g.p. (2d6) |
| Monk | 5- 20 g.p. (5d4) |
To determine the number of
g.p.
your character has at the start, simply roll the appropriate dice and total
the sum
(adding a decimal place
if necessary).
Most of these funds will
quickly be spent on the costs of staying in the adventuring AREA and
acquiring the equipment
which will be used for adventuring.
(See BASIC
EQUIPMENT AND SUPPLIES COSTS table hereafter.)
ADQ: How much Money
does a multi-classed
character start with?
ADA: A multi-classed
character is entitled
to the total starting cash
for all professed
classes combined.
(Polyhedron #16)
The Monetary
$ystem
The basic unit of exchange
is the 
piece (g.p. hereafter). There are
coins of lesser &&
greater value, and these are shown on the table below.
It is also common to use
gems
of various sorts and values as coin.
| 10 copper pieces (c.p.) | = | 1 $ilver piece |
| 20 silver pieces (s.p.) | = | 1 g.p. |
| 2 electrum pieces (e.p.) | = | 1 g.p. |
| 1 platinum piece (p.p.) | = | 5 g.p. |
Thus:
200 c.p. = 20 $.p. = 2e.p. = 1 g.p. = 1/5p.p.
It is assumed that the size
and weight of each coin is relatively equal to
each other coin, regardless
of type.
Your character will most
probably be adventuring in an AREA where money
is plentiful. Think of the
situation as similar to Alaskan boom towns during
the gold
rush days, when eggs sold for one dollar
each and mining tools sold
for $20, $50, and $100 or
more! Costs in the adventuring AREA are
distorted because of the
law of supply && demand -- the supply of coin is
high, while supplies of
equipment
for adventurers are in great demand.
<10 coins to the #>
<-- assume 4,000
g.p. are equal to a cubic foot for purposes of this spell. - Fool's
Gold> < <-- compare to How Many
Coins in a Coffer?, and make a note there >
<compare to PC record
sheets, where 100 gp weight = 1 cubic foot>
<game school: go with
the latter>
Crommor
$ Changing, Bank$, Loan$ & Jeweler$
Characters should carefully shop around whenever possible to determine which establishment offers them the best value.
Large sums of lower value
coins can be changed to a smaller number of
larger value coins, and
vice versa, at a relatively small cost -- typically 3%
of the transaction. This
is done at the money changer‘s.
Anteos
The money changer will also
score as a banker, keeping funds and giving a marker to
vouch for the amount. Note
that bankers will not usually give any interest.
Cassalanter
Ruldegost
Loans:
Bankers will give loans according to the reliability, reknown, status,
and
material possessions of
the individual.
Cragsmere
Maernos
An unknown and low-level
character is unlikely to
get a loan without giving security for the value of
the amount borrowed. Furthermore,
the interest rate will be high --
typically 10% per month
or even 5% per week. A well-known and
propertied character can
typically get large loans at relatively low interest
-- 1 % per week or thereabouts.
Jewelers:
Jewelers, and gem merchants, will buy and sell jewelry and gems.
The buying price will usually
be 20% under the actual value of the piece or
stone.
<move, added headings>
Reduce - Reuse - Recycle
<A PC and His Money ...
: BD4.55>
* instead of sp, just $
* 1 sp = 1 $
* 10 cp = 1 sp (1 $)
* 5 sp
= 1 ep
* 10
sp = 1 gp
* 50
sp = 1 pp
* monetary treasure : convert
gp to sp, leave gems & jewelry as is
* if pp, as is, although
a 50% chance to x5, and convert to gp
* redo all equipment lists,
and convert costs to $ (sp)
Heh...
I'll keep badgering the Trolls
about the matter, but somehow I believe we are stuck with their unweildy
system.
Blast me for being so obtuse
in creating the AD&D one. that is the
proximate cause of the problem 
Cheers,
Gary
As well as all should understand
that love of money is the root of much, if not all, evil 
Cheers,
Gary
