01-18-2018, 02:01 PM | #21 |
Join Date: Feb 2016
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Re: Companies Finance
In any case, $800 billion is a lot of debt for a corporation to possess. The capital repayment is $40 billion per year for 20 years, meaning that a company would have to have $80 billion per year of net profits or else their lenders are going to get real nervous. Now, corporate bond rates are an average of around 2%, meaning that the interest payments for $800 billion a year are around $16 billion per year, but you are still talking about a lot of debt.
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01-18-2018, 02:16 PM | #22 | |
Banned
Join Date: May 2017
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Re: Companies Finance
Quote:
Isnīt there a rule for diminishing returns, or anything alike? If not, I would need to come up with difficulty modifiers for Finance skill aplicable to job rolls, and will still be at problem even when reaching the "impossible" level at -10 (3% of profits, for a return after twenty years of over $1.456 billions, minus 800 billions that means a net of $656 billions) :S Last edited by Alonsua; 01-18-2018 at 02:25 PM. |
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01-18-2018, 02:29 PM | #23 |
Join Date: Jun 2005
Location: Lawrence, KS
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Re: Companies Finance
Well, I'm going to ask how you get them to Finance-30?
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Bill Stoddard I don't think we're in Oz any more. |
01-18-2018, 02:32 PM | #24 |
Banned
Join Date: May 2017
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Re: Companies Finance
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01-18-2018, 02:47 PM | #25 | |
Join Date: Jun 2005
Location: Lawrence, KS
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Re: Companies Finance
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What sort of "equipment" do you imagine someone using for Finance? It doesn't seem like the sort of technological skill where tools are a tremendous help. Could you clarify the "help from others"? I'm not sure what rule you're basing that on. In any case, if you're supposing that your entrepreneur is the best in all of history at finding investors and raising capital, I don't think it's that unreasonable to suppose that they might have raised a lot more than any actual enterpreneur has raised today. It's not guaranteed, after all, that any actual present-day entrepreneur is the best in all of history.
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Bill Stoddard I don't think we're in Oz any more. |
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01-18-2018, 02:57 PM | #26 | |
Banned
Join Date: May 2017
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Re: Companies Finance
Quote:
*As for "Best Quality Equipment" I would say software, or contacts :S *As for "help from others" p. 34 Social Engineering "Groups With a Focal Performer" or p. 21 Social Engineering "Complementary Skills", I do not know if p. 474 Campaigns under "Prototype" "Modifiers: ... +1 per assistant with skill 20+ in one of the skills required for the invention, to a maximum of +4..." would apply, and I have houseruled that rule into "with skill 15+" (maybe it was a wrong decision, in which case I could fix it setting back to normal, but skill 20+ seems out of the roof for an assistant, moreover since they can start inventing "Average" complexity things at skill 15) Last edited by Alonsua; 01-18-2018 at 03:19 PM. |
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01-18-2018, 03:46 PM | #27 | |
Join Date: Jun 2005
Location: Lawrence, KS
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Re: Companies Finance
Quote:
I don't think the rules for groups with a focal performer, or for inventing and gadgeteering, should be transferred over to this very different domain of human action. And in any case, the requirement for skill 20+ is meant seriously. Now, I'd accept complementary skills, but what particular skills are you envisioning as complementary in this case? And even setting aside those concerns, if you just drop base skill from 24 to 20 (a reasonable "best of this generation") and apply the same bonuses, you're looking at dividing the expected funds raised by 20, which gets you down into the range of actually existing businesses.
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Bill Stoddard I don't think we're in Oz any more. |
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01-18-2018, 03:54 PM | #28 | |
Banned
Join Date: May 2017
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Re: Companies Finance
Quote:
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01-18-2018, 04:11 PM | #29 | |
Join Date: Jun 2005
Location: Lawrence, KS
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Re: Companies Finance
Quote:
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Bill Stoddard I don't think we're in Oz any more. |
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01-18-2018, 04:30 PM | #30 | |
Banned
Join Date: May 2017
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Re: Companies Finance
Quote:
This... is... too much. I am surprised to say the least. How am I supposed to integrate Boardroom and Curia with this? By this rule, since at 1.990 the company founders were working as "the best of the best" in their fields, their income was at the $420.000-$720.000/month range (average $570.000), so since one of them was actually a CEO for a multinational company with out of the files Finance skill of 24, that means that they could raise $5.700.000.000 with a success of 74.07% at 1.990 instead of $142.800.000 (and this not taking into account any modifiers), and if they work on the same products getting the same monthly results every day and developing the company in the same business verticals, at a CAGR of 32.14% the company is looking at $13.900.000.000.000 by 2018 :S *And this not taking into account that they could take the loan for five years, paying it by 1.995 having an equity of $1.709.000.000 and monthly income of $14.526.500 thus proceeding to take a new loan for this income, borrowing $145.265.000.000 and same thing happening every five years, sitting at the end of twenty eight years on the top of $4.837.767.870.000.000 (multiply as prefered if they also know Politics, Administration, Savoir-Faire (High Society) or Streetwise) *As for Alternate GURPS, I think that this system is broken and they dont hold up together. * "Large Loan: -1 to find a loan worth up to two months of income, -2 for up to five months, -3 for up to ten months, and an additional -3 for each additional 10x the amount." I thought this to be rarely spelled, but now it makes sense. At first I thought it was -3 for up to ten, plus -3 for every +10 to that first x10, like x20, x30, x40 and so on. Last edited by Alonsua; 01-18-2018 at 05:04 PM. |
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