Martti is on the black! Some of the asks were fulfilled, so the health challenge is much easier to finish :) That does not go further than Moderate, though. Even if the frequency bonus looks insignificant on paper (fully utilised vs. completely neglected: the difference is about 15%), in practice it seems to hurt quite much if one is accustomed to daily consuming and changes practices.
Martti's original loan for the 2 houses in 4-NW from the (current) Prince Noms is 15.7 mil payable in 1640. The he has a loan from Marquess of Rome, 18.8 mil in 1642. Finally he is also in a loose partnership with the same, and has a facility of 20 mil. So when admiring Martti's riches, the 54.5 mil debt is to be duly taken into account as well.
It is a good time to count the money, and ascertain if the retirements and moth-eaten suits actually were a devastating blow to the finances, or just looked like one:
1. Martti has 4 lots:
- 2 small houses. When wood building comes, these will probably become a liability with no bonuses to the likely new owners, so it makes more sense to bulldoze them and build wood in their place. But if this is the fate, the land will need to compete in the market with Town free land, and the value of the stone and windows retrieved is only about 3 mil per house.
- The larger 250 sqm free land lot will probably become Martti's residence for a while - unless he becomes ennobled first - to tap into the commoner bonuses.
- 22-N-D13, the "joker in the deck": this lot is 225 sqm and has a nice east-south facing, +45% chapelry bonus, 50 m from the Playground, and only 150 m from the Barbican, so 300 m from the Most Old Obelisk. Next to this, a landlocked 300 sqm one is asked 100 mil (and not selling). Perhaps a book value of 45 mil is correct, but that does not mean Martti is too keen to sell it yet. On the other side of the wall, price of land is 5x or more.
=> All-in-all, only 50 mil can be attributed to these, as land in B.4 is practically unsalable.
2. Martti employs ("owns") 23 NPCs. This is a quite massive operation in a game that has only ~1,500 NPC. Half of the NPCs are producing loss each year as tehy are in the training levels. Once they promote, profit will be realised.
=> At midprice, the workforce is worth 30 mil.
3. The production shares are worth quite a lot, producing 500*MEAD, 200*MEAT, 100*VEG and 100*CAN annually (1.5 mil worth minimum). Most are not free-trading though, limiting the value (only people who can own them, do not have money to pay for them, and get them for almost free). The 1-S-VE1 will start to have a reasonable valuation soon, so we estimate
=> Production shares are worth 25 mil in total (@ 6% yield).
4. The "Others" category, which might be expanded in another post, contained merchandise, consumables, and Martti's personal valuables. Nothing of gold or silver was found, so far all attempts to save an emergency stash have been rewarded by having immediate use for it.
=> The rest of Martti's items together, are 35 mil.
So, 140 mil in assets and 55 in debt, leaves net worth at 85 mil. Suddenly (in only 68 days out of perhaps 300 available), Martti's lifetime goal of reaching 1,000 mil wealth has become much closer.
The other goal, becoming Earl, is also progressing, at a pace that seems slow unless you forget about it and then look back. Looking back now, Martti has progressed from L2 to L3 to L4 to L5, and has L6, L13 and L14 ahead, (if the "power player track" materialises). In the recent round he was skipped since he did not fulfill the minimum age for Master (25y), and none of the nobles whom Martti had assisted had proposed him Knighted. In the next round, he has been 6 years in L5, and is 27 years, and a quite likely candidate to become Master. There is even a lane named after Martti already!
So, losing several suits and workforce is a terrible blow, but Martti has managed to recover reasonably well. The liquidity position is still precarious but that seems like the correct play, this early in the game.
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