TEXT:  
   
  Board Enterprises proudly presents 
  Build Your Fantasy World in  
  Small Bites 
   
   
  aka All About Huge Treasure Hauls 
   
   
   
   
   
   
   
  
  2 
   
  INTRODUCTION 
   
   
  At Board Enterprises, we love treasure.  Loot, 
  booty, rewards, ill-gotten-gains, we love it all!  We think 
  most of you out there love it too.  But how much is too 
  much?  Stupid question, right, more treasure is always 
  better! 
   
  There may be times when discussing game balance 
  and how to properly determine the treasure given to the 
  player characters is important, but this is not that time!  
  Now we’re here for the loot, and we’re going to show 
  how to do it up right.  
   
  “The treasure consists of gold and jewels worth 
  1,600 coins.”  If that is how you handle treasure in your 
  game, then this is not for you.  Let’s rephrase that - If 
  you think that is how you should handle treasure, then 
  this is not for you.  If you need some ideas on how to 
  jazz up your loot and treasure, then this is absolutely for 
  you, especially if you don’t have tons of time to devote 
  to carefully crafting a treasure hoard that the players are 
  just going to sell off anyway. 
   
  Wade on in!  We may not be able to swim through 
  three cubic acres of money (he is my hero!), but we 
  know a thing or two about the shiny stuff! 
   
   
   
  Hoards and Other Treasures is not about 
  gemstones, valuable pelts, coins, precious metals, etc.  
  It’s about collections of treasure and what adventurers 
  need to do with them.  Those other items will all be 
  covered in future editions of Small Bites, so don’t worry. 
   
  This is more about treasure that will make the 
  players feel like they actually got something rather than a 
  drab number to be written down on a character sheet or 
  worse a treasure that was clearly generated from random 
  charts and tables.  If you are still randomly generating 
  treasure, you need this supplement! 
   
  Table of Contents 
   
  Introduction .................................................................... 2 
  Fletnern Wiki .................................................................. 3 
  The Sounding Board ....................................................... 5 
  Lifestyles of the Magical and Mundane ....................... 12 
  News of Fletnern .......................................................... 16 
  The Good Life .............................................................. 16 
  What’s Missing ............................................................. 17 
  In Conclusion ................................................................ 17 
   
  World Walker 
  Edition 
   
   
  This is the World Walker edition of Hoards & 
  Other Treasures.  The full edition is available only to our 
  Patreon patrons, who not only get the 40 page edition, 
  but they get it earlier than we post it to the general 
  public. 
   
  What else do you get?  Well, take a look at the 
  What’s Missing article for details about the additional 
  content. 
   
  What else is there?  Well, the full version is called 
  the Game Master’s edition because the extra content is 
  aimed at GMs and world builders.  But they also get the 
  secret word!  The secret word can be used to unlock 
  extra content that was cut either due to space constraints 
  or was developed shortly after publication.  It really is 
  worth it, plus, you get to help choose what the next 
  editions will be. 
   
   
  
  3 
   
   
  FLETNERN WIKI 
   
  Dezinaumplaid, The Palace of 
  Site 
      North of Dalavar in the foothills of the Mountains of 
  Purity stands a sea coast fortress, the Palace of 
  Dezinaumplaid.  Dezinaumplaid is a wizard of 
  extraordinary power and made his fortune by piracy and 
  banditry.  After making such a success of his life, he 
  began other business interests, including guiding 
  caravans safely through the mountains and destroying 
  other pirates near Dalavar.  He is also a well-known 
  fence for powerful magics.  His vaults are rumored to be 
  in another dimension, accessible only from somewhere 
  within his palace.  The palace itself is a monument to 
  decadence and gluttony, but is protected by some of the 
  most vile wizards ever trained, the apprentices of 
  Dezinaumplaid of course. 
   
  The Elephants' Graveyard 
  Legend 
      Somewhere in the Southern Plains, south of the River 
  Fhearree, there is rumored to be a valley formed from a 
  dried river bed.  This valley is said to be very remote, 
  and very difficult to find, but every elephant is drawn 
  there just before it dies.  With all elephants going there to 
  die, it is an unbelievable stock pile of ivory.  A 
  mysterious herd of white elephants is said to guard the 
  valley against all outsiders.  The pacamen claim to have 
  visited this valley and confirmed these facts, though they 
  were allowed to move freely about the valley with their 
  elephant friends. 
      The Elephant’s Graveyard does exist, but not as the 
  legends imply.  Centuries ago, a horrible flood hit the 
  Southern Plains.  Low areas became rivers or lakes as the 
  flood waters spilled over their river banks.  The way that 
  the flood waters rose, they trapped several herds of 
  elephants against the Broiling Mountains.  As the waters 
  rose, the elephants eventually ran out of space and were 
  caught up in the newly formed river.  The river ran into a 
  valley, carrying its cargo of elephants with it.  When the 
  flood ended and the waters retreated, almost 200 
  elephant corpses had been deposited in the valley.  Over 
  time, the carcasses rotted away, leaving the bones and 
  tusks of the dead.  Where the rumors of white elephants 
  came from are unknown, though they are blamed on the 
  pacamen. 
   
  Gold Guild 
  Legend 
      The legend of the Gold Guild goes something like this:  
  Over 1,000 years ago, three dwarven clans formed an 
  alliance.  They were the main gold producing clans in the 
  dwarven culture, but a fourth family had made a major 
  gold strike.  The three clans who had formed the Gold 
  Guild hired orcish mercenaries to attack this fourth 
  family, but they lost control of the orcs, and the invasion 
  of the Gold Mountains occurred. 
      So the entire history of the dwarves is based on actions 
  of the Gold Guild, and pretty much every major incident 
  in world history since that point has been orchestrated by 
  the Gold Guild.  Any time anyone hits a major gold 
  strike, some agents of the Gold Guild find out about it 
  and swoop in.  They either offer to buy the mine or 
  simply kill anyone who knows about it.  This is why this 
  is a legend, as few people believe that such an all-
  powerful group is possible. 
      The Gold Guild has been held responsible for nearly 
  everything, including the defeat of the Latvich army 
  from Garnock at Rhum in 626P.  The legends ebb and 
  flow, and sometimes there are now others besides the 
  dwarves in the Gold Guild, including Tands, dragons, 
  aldar or hearrsmon.  Outrageous tales are spun all the 
  time, and when one of those tale spinners dies, others are 
  quick to blame the mysterious Gold Guild. 
  GM Only 
      The Gold Guild does exist.  It has been around since 
  before the days of the dwarves leaving the Gold 
  Mountains, and it did have a hand in convincing the 
  general dwarven population to leave the mined out Gold 
  Mountains for richer strikes in the north.  They have 
  been behind many global events over the centuries, but 
  certainly not all of them. 
      The Gold Guild is made up of the major gold 
  producers of the world.  Their aim is to maintain the 
  global price of gold at ten times the value of silver and 
  one-hundred times the value of copper.  In order to do 
  this, they have had to maintain secret stashes of precious 
  metals all over the world to balance the markets when 
  they begin to shift.  They do try to keep abreast of the 
  precious metals markets globally and will attempt to buy 
  out gold miners when they see profit, but they do not 
  resort to killing every gold miner who doesn’t work for 
  them.  This said, they are not above killing if they feel it 
  necessary. 
  
  4 
   
      Though begun as a dwarven entity, they have 
  incorporated some Tandish nobles who have gold mines 
  on Hughijen.  Minor players are sometimes also 
  involved, to a degree.  Though nowhere near as powerful 
  as most of the legends say, they do sit atop vast stores of 
  gold and silver ore and have been the wealthiest families 
  in the world for over 1,300 years. 
      While the Gold Guild typically acts in small ways that 
  they believe will yield large results, they do attempt to 
  maintain their secrecy.  They cannot be an entirely 
  unknown organization, but they do hide behind myths 
  and legends.  One of their best shields is to make the 
  stories of the Gold Guild so outrageous that no one will 
  believe them, allowing the Gold Guild to continue on in 
  peace, hiding behind the fact that they “don’t really 
  exist”. 
   
  High Order of Telepathy, Vault of the 
  Site 
      The headquarters of the High Order of Telepathy in 
  Helatia is considered to be the largest depository of coin 
  wealth in existence.  Although the High Order has 
  attempted to convince people that their wealth was so 
  distributed among the relay stations as to be immaterial 
  or that they had a vault hidden in the wastelands north of 
  Traigar, it is generally accepted that the Order is sitting 
  on their wealth.  Though much of it is being held for 
  others, the physical, monetary wealth is controlled by the 
  Order.  It is supposed that the majority of the wealth is 
  held in trading chips, and legends tell of entire chambers 
  full to the ceiling of them. 
   
  Treasure of the Nine Dragons 
  Legend 
      About 250 years ago, the knights of Myork amassed a 
  treasure said to be the hoards of nine dragons or nine 
  dragon families.  Though the treasure was never 
  cataloged, it was said to be massive, taking three ships to 
  hold it.  Because the knights did not want the treasure to 
  attract the attention of other dragons who might attack in 
  an effort to regain it, they filled three ships’ holds with it 
  and sent it off to Brinston.  It has always been assumed 
  that they intended to have the treasure converted into 
  accounts from which they could draw the money to buy 
  more weapons and other military supplies. 
      But the treasure never arrived.  Some blame the pirates 
  that the treasure was sent with.  Why did the knights of 
  Myork trust pirates to move this treasure?  Because they 
  had the fastest and most feared ships on the open seas.  
  And because they sent St. Andrew Warhammer with 
  them.  St. Andrew was known to be favored by the gods.  
  Here was a man that the pirates would not dare betray for 
  fear of being cursed by the gods for the rest of their days. 
      Other rumors abound - Mysterious storms at sea; 
  dragon ambushes; or betrayal by the Brinston merchants, 
  the Rimmim Navy, or the other pirates of Caratok.  One 
  of the more enjoyable rumors is that St. Andrew actually 
  accomplished his mission - He effectively hid the 
  treasure where only a few would know of its existence.  
  Countless treasure hunters have lost their fortunes and 
  often their lives trying to locate the Treasure of the Nine 
  Dragon, but to date, no one has shown proof of having 
  even a part of the treasure. 
      One last rumor - The Treasure of the Nine Dragons 
  was not treasure as people normally understand it.  What 
  was on the three ships?  This rumor says not gold or 
  jewels, but something else.  Perhaps three knights who 
  held some secret on how to defeat the dragons. 
   
  Vyyririum, The Vault of 
  Site 
      This cave deep within the bowels of the world is the 
  home of an aged dragon (Vyyririum).  Over decades of 
  plundering, he amassed a fortune of incredible value, but 
  in his greed, he slew his followers and kept the treasure 
  for himself.  A crafty group of aldar sorcerers is said to 
  have discovered the vault.  Although they are unable to 
  kill Vyyririum, he dares not leave for fear of what they 
  will steal while he is away.  Living in a state of siege, 
  Vyyririum is forced to buy food from the aldar using his 
  precious riches.  The vault is rumored to have access to 
  the coastal regions of the Slyvanian Forest. 
   
   
   
  
  5 
   
   
  THE SOUNDING BOARD 
   
  Bigger is Better - Loot 
      So which is better?  one pound of gold or ten pounds 
  of gold?  Ten pounds, of course.  But how much better?  
  Well, ten times better. 
      OK, which is better, a one carat diamond or a ten carat 
  diamond?  Ten carats of course.  But how much better?  
  Well, FIFTY times better!  No really!  When you are 
  talking about things that cannot be joined together (like 
  melting gold down to make bigger pieces), bigger 
  (typically rarer) sizes are not just more valuable, they are 
  hugely more valuable. 
      So what does this affect?  Well, all of the gemstones to 
  start with, but there are more than just that.  Things like 
  gemstones are also affected.  Things like pearls.  One of 
  the best examples of this in Fletnern is the substance 
  known as chrystalist.  Chrystalist is the only known 
  substance that makes safe mentalist talismans.  So in 
  order to make bigger and better talismans, you need to be 
  able to carve more enchantments into the piece of 
  petrified whatever it is.  So bigger pieces are vitally 
  important. 
      But that’s still sort of a gemstone.  What else?  Well 
  horns, or more commonly tusks.  There are tons of things 
  that can be made out of small pieces of ivory, but when 
  you want the gateway to your camp to be two huge 
  elephant tusks of gleaming ivory, you need full tusks, not 
  broken pieces.  And bigger is better.  Getting the tusks 
  off of some three year old cow is not the same level of 
  importance as getting the tusks off of a thirty year old 
  bull. 
      Last one:  parchment.  The parchment you can make 
  out of a lambskin is significantly smaller (and therefore 
  less valuable) than what you can get from a full grown 
  steer.  Not as impressive as the diamond, but an 
  important example nonetheless. 
      What you are really paying for here is rarity.  Not only 
  are diamonds rare, but big ones are vastly more rare than 
  tiny ones.  Big unicorn horns are far more rare than 
  smaller ones, and intact ones are more rare than broken 
  ones.  The rarer something is, the more expensive that 
  thing is, assuming that you cannot just join things 
  together.  Even when you can join things together, like 
  building a marble altar, having huge pieces so there are 
  no seams will make the bigger pieces that much more 
  desirable and expensive. 
      When does it matter?  It matters when the adventuring 
  party recognizes that the altar stone of the subterranean 
  temple they just ransacked is made of rare marble, but 
  the piece is so big, that they can’t carry it.  Cutting it to 
  manageable pieces is going to dramatically reduce the 
  value.  Is it worth transporting the huge block of stone?  
  It is important when you steal the king’s scepter and 
  there is a 50 carat ruby on the end of it.  Sure, the ruby is 
  worth a king’s ransom, literally, but trying to fence an 
  object that is obviously stolen from the king is incredibly 
  dangerous.  Do you cut it into smaller rubies in an effort 
  to hide what it once was, knowing that you are losing a 
  huge amount of wealth?  I like putting problems like 
  these in front of my adventuring parties.  I think it’s fun 
  to make them think about strategy outside of battle. 
   
  Being (Fantasy) Conservation Minded 
      One of our more common examples of economics in a 
  fantasy realm is the way that one adventuring party 
  found a way to harvest mastodon tusks and flooded the 
  world with cheap ivory.  But nothing is without 
  consequences in the world of Fletnern. 
      Not too long after the source of the ivory became 
  apparent, a group of pacamen came looking for the 
  person who was selling all the ivory.  The pacamen (for 
  those who don’t yet know) are like minotaurs, except 
  that they are elephant headed instead of bull headed.  As 
  such, they have tusks - short ones, but tusks.  They see 
  elephants as incredibly important objects of their 
  religion.  And they are willing to fight to protect 
  elephants and elephant graveyards.  Their assumption 
  was that someone had discovered some manner of 
  elephant graveyard and was lying about the mastodons.  
  They came to put a stop to it. 
      The point really isn’t about ivory or pacamen, but 
  instead about religions and perceived morality.  Chances 
  are, no matter what a people find to be valuable, there 
  will be some group that believes that the items of value 
  should not be disturbed.  It could be ivory, the hides of 
  predatory cats, special aromatic woods, or the landscape 
  that was once atop a coal strip mine.  Especially in a 
  world with elves and numerous gods, someone is going 
  to be upset by just about anything. 
      So what do you do as a GM?  Well, I let the players do 
  whatever they want, but then decide how to punish them 
  if they seem to be doing something too easily.  Truth be 
  told, the pacamen were not really a deterrent to the PCs 
  harvesting the ivory.  This was because the pacamen 
  couldn’t survive the frigid north where the mastodons 
  were, plus they were not numerous enough to start a war 
  with the humans.  But the threat was there - a reminder 
  that nothing can be gotten for free.  The PCs hired on 
  extra protection for their ivory caravan, expecting trouble 
  from the pacamen, slightly decreasing their profits. 
      Yes, I think everything can turn into a mission or quest 
  spark.  In this case, nothing really came of it, but it was a 
  part of what the party had to consider when taking 
  missions:  Could they risk being away while these guys 
  were in town sort of looking for a problem?  Loot 
  doesn’t have to be easy! 
  
  6 
   
      So what else can you do?  Major jewelry items were 
  stolen from a temple decades ago and are now cursed.  
  The elves think that the emeralds taken from that mine 
  belong to the goddess of {green or whatever} and should 
  never have been taken and certainly not cut.  The 
  centaurs’ god is actually a zebra centaur and they 
  therefore object to anyone killing zebras for meat or 
  hides.  The ironwood grove is sacred to the fairies and 
  they refuse to allow anyone to harvest the trees.  Jet or 
  ebony is seen as being evil, and no one in town will buy 
  it.  An alchemical potion requires the heart of an eagle, 
  but taking the heart from an eagle causes the eagle to 
  haunt you for the rest of your days.  This is high fantasy 
  after all! 
   
  Looting a House 
      As you can see from our products like An Army’s 
  Arms or Grain Into Gold or What Has It Got in Its 
  Pockets, a d1000 random encounter chart for pick 
  pockets, I love detailing out treasure.  This edition 
  actually started as a supplement to be called A Baker’s 
  Dozen Treasure Hoards.  So I’m really into this! 
      I recently had a tour of the Governor’s Mansion.  I’ve 
  known this for a while, but this tour really brought it 
  home (no pun intended).  No matter how detailed I want 
  to be, I can’t actually detail the loot to be found in the 
  simplest of homes, and REALLY can’t detail a 
  mansion’s wealth. 
      Look around your house.  There are probably 1,000 
  items in view right now!  (This assumes you are not 
  living in a bachelor pad with milk carton shelving, but 
  even then???)  Even a poor home would have 100s of 
  kitchen tools and utensils.  OK, not all of them are 
  valuable, but anything made of steel likely would have 
  some plunder value.  For expensive homes, everything 
  has value.  Think about plundering a palace.  Some of the 
  items might be valueless on their own, but the fact that 
  they came from the palace would grant them “artifact” or 
  historic value.  Even assuming that the looters would not 
  take the heavy furniture (which would be hugely 
  valuable), what about the rest of it? 
      Honestly, I write up those things that are of obvious 
  value, and sometimes a few that aren’t so obvious.  Then, 
  if a character says something like, “This is an office, can 
  I steal some paper or some blank scrolls or something?” I 
  just give it to them.  Of course, I make them roll for 
  Scrounging, but come on, that’s a huge + modifier. 
      What I think is really required, and I will likely do 
  going forward is this:  assign some values and some 
  weights.  Let’s take a poor home:  For 10 pounds, you 
  can loot 25sc worth of miscellaneous.  For 20 pounds, 
  you can loot 35sc.  For 30 pounds, you can loot 40sc.  
  Maybe a wealthy house is more like:  For 15 pounds, you 
  can loot 100sc.  For 50 pounds, you can loot 300sc.  For 
  150 pounds, you can loot 600sc.  With the poor house, 
  you’re taking bigger and bigger kitchen steel.  For the 
  wealthy house, you’re starting to take paintings off the 
  wall and rolling up carpeting.  (These numbers are meant 
  as examples and should NOT be used.)  I have also done 
  it where the longer you spend searching, the more you 
  find of value, the idea being that you wouldn’t notice the 
  kitchen knives if you just look at the counters, but if you 
  go through all the drawers, then the semi-valuable knives 
  would be found.  This also can be used to factor in things 
  like ripping the hinges off the doors and prying the 
  marble out of the fireplace.  One important note - don’t 
  let them know the value unless they make an Appraisal 
  roll.  Make them decide whether or not to haul all that 
  junk away first, then let them know what it was all 
  worth. 
   
  Collecting Treasure - Even when it’s pay 
      There is a point at which the counting of money must 
  be considered a chore in and of itself.  Who cares - I 
  think most adventurers do.  Give me just a minute here to 
  show you why.  Well, Alexander Dumas claimed that 
  Fouquet’s “treasurers” could count out a million coins in 
  a day?  Now I never fully understood the monetary 
  system they were using, so they may have been using 
  higher denomination coins to reduce the work.  Also 
  remember that they must count and recount to confirm 
  the count, and at numbers that high would probably 
  count a third time. 
      So if the party is to be paid a huge amount of money - 
  unless the treasury has prepared for this by counting out 
  the money, arranging it in some meticulous fashion, and 
  preparing it for travel, then the adventuring party is 
  bound to wait for it.  This would most likely be the same 
  even if the number were somewhat lesser.  Assuming 
  that you count one coin per second, and careful counters 
  would be unlikely to do better, 50,000 coins would take 
  14 hours, or at least all day.  Also figure, if one guy 
  counts it all - assuming he arranges it on a table or 
  something - then another guy will come in the next day 
  and spend all day counting it.  Then possibly a third guy 
  on a third day and maybe a fourth guy to pack it all up.  
  Even if the third guy packs it, it is still three days to get a 
  50,000 coin reward.  Fouquet was assumed to have an 
  army of guys working for his treasury office, so they 
  went faster, but even still ... 
  
  7 
   
      But you don’t have to do that, right?  I mean, you 
  make one stack of coins and then line up the others next 
  to it.  Not in my world.  Coins are minted by hand, and 
  hand minted coins don’t stack like modern machine 
  minted coins.  You could weigh them, and just hand over 
  a certain weight in coins or even bullion.  That would 
  probably be a lot easier to do and quicker, but you have 
  to accept that even this would be a meticulous process.  
  No one likes to give out money, even if it was fairly 
  earned.  Those guys with the money and their guys who 
  handle it are going to be extremely slow, if for no other 
  reason than they want to be. 
      Again - who cares?  Well, if you return the princess to 
  her father and expect that big reward - expect to be held 
  up in the capital while they get your reward ready.  Did 
  you pull some trick that might be discovered in the four 
  day waiting period?  Do you have the cash on hand to 
  live for four days while you wait for the king’s financial 
  guys?  Do you have the time to check their counts or 
  could they short you 5% without you catching on?  
  Makes you start thinking that checks aren’t so bad, huh? 
   
  Collecting Treasure - Gathering it all up 
      To be honest, what started me thinking on how you 
  count coins was reading about sunken treasure.  
  Adventurers never have to worry about these things, do 
  they?  They come upon a sunken treasure or a dragon’s 
  hoard, and they just shovel coins into their back packs 
  (or their extra-dimensional bags).  They know almost 
  immediately how many coins they have.  If they worry 
  about anything, it is if they have enough encumbrance to 
  lift everything and carry it back home.  No one thinks 
  about counting it. 
      The point isn’t really about counting it; it’s about 
  finding it.  When the ship goes down in a hurricane, 
  thousands of gold coins go spilling into the sand.  
  Spilling into the sand over the course of a quarter mile or 
  so.  How much time do the adventurers spend searching 
  for coins?  How much time can they afford to spend?  If 
  the coins are underwater (as in our sunken treasure 
  example), do they have enough breath to gather them all?  
  The coins are several inches deep in the sand.  How do 
  you find them all?  Can you filter them?  Do you take the 
  sand and water into your extra-dimensional thingie? 
      I have a practical solution.  When I set up something 
  like this, where it is impractical to believe that the party 
  can actually gather up all the treasure, I put time limits 
  on it.  If the treasure is spread out like this, I might say 
  that in the first hour of searching, they find 500 gold 
  coins.  In the second hour, they find 200gc.  Third hour, 
  75sc.  Fourth hour, 25.  Fifth hour, 0, unless they shift 
  their search pattern to increase the range they are 
  searching.  In that case they find 20 more in hours five 
  through ten.  Hour 11 and maybe +5.  Now all these are 
  controlled by searching and Senses skills, so the results 
  won’t look as smooth as what you see here.  Maybe in 
  total there are 1,000gc, of which you find 800gc in three 
  hours, but have to make successful Senses tasks to find 
  the other 200 and you’re only finding 5 per hour.  Is it 
  worth it?  Is it worth 40+ hours to make an extra 200 
  coins?  Maybe not. 
      After a few hours of missing Senses tasks, the party 
  may assume they are done.  That will teach the gold 
  farmers to stop worrying only about how much damage 
  they can do and start thinking about “worthless” skills 
  like Senses.  Adventurers need to be more than just 
  killing machines; they need to be explorers.   
      So what else works?  The same type of idea can 
  control coins in a dragon’s hoard (built on gravel or with 
  a cracked “ground” surface), finding gold coins lost in a 
  mound of copper coins, gem stones (raw) in a pile of 
  rubble, diamonds in a pile of broken crystal, just about 
  anything on the floor of a leaf covered forest, mink pelts 
  in a pile of rat skins, and on and on and on.  Don’t think 
  of it as punishing the players; think of it as rewarding the 
  good finders. 
      Extra - If you think this is bad, then you should see 
  what I do to players who find a bag of “gem stones”.  
  What?  You mean no one in the party has Appraise, and 
  no one knows a reputable jeweler (has the right contact)?  
  Hmmm.  Sounds like someone is going to be taken to the 
  cleaners when they sell off that loot! 
   
  
  8 
   
  More on Treasuries 
      Quite often, adventurers will not see where a noble’s 
  wealth is truly at.  It’s tied up in furniture and real estate.  
  We are actually working on a supplement that will give 
  you all sorts of lifestyle choices for your character, but 
  until then, it is probably easiest to assume that a person 
  probably has their annual salary in real estate and their 
  annual salary again in “stuff”.  Palaces have “stuff” that is 
  of incredible value, but may not be fence-able loot.  The 
  Hope Diamond is one of the world’s best known and most 
  valuable diamonds, but the chances of finding someone to 
  buy it - especially someone who knows it’s hot - are 
  remote.  Same for the Mona Lisa.  Now not everything a 
  nobleman or even a king owns will be that big a deal, but 
  you don’t want to be the gem cutter caught remounting the 
  crown jewels. 
      But guess what - even if your players (and/or their 
  characters) can see art works and jewelry and recognize 
  the monetary value, they’ll be missing a lot!  That end 
  table over there with the inlaid tortoise shell - yeah, looks 
  like firewood to most adventurers, but it’s worth more 
  than their (non-magical) armor.  That little marble statuette 
  beside the bed - It’s hugely heavy and the adventurer’s 
  know that marble isn’t worth that much, but if it was 
  carved by a famous artist, it’s worth more than the 
  character’s house.  Of course, if it was carved by the 
  baroness’ cousin, it’s nearly worthless, but when do the 
  PCs know that stuff?  That dust in the bottom of the 
  wooden box - is it powdered dragon brain worth its weight 
  in diamonds or is it the remains of Aunt Hilda after her 
  cremation?  Huge amounts of value are hidden in plain 
  sight, only to be detected by those who know what they’re 
  looking for.  Imagine a modern burglar breaking into a 
  house and seeing a decorative silver lamp (like Genie’s).  
  He melts it down and sells the silver for a few bucks, not 
  knowing that it was an original Paul Revere. 
      Yeah - I love my treasure! 
   
  Gold Rush Fever 
      If you read this blog regularly and have checked out 
  Grain Into Gold, you understand that #1 - I like my 
  treasure (OK, that’s probably more An Army’s Arms 
  Thunder Doom and the Slyvanian Infantry) and #2 - I get 
  caught up in economies.  It’s probably because I spend my 
  days up to my eyeballs in the modern economy, but I do 
  spend my nights in Fletnern (or sometimes Tamriel or 
  Azeroth). 
      So it shouldn’t come as a huge surprise that I was 
  thinking about the Dutch Tulip Mania.  If you don’t know 
  what Tulip Mania is/was, it makes for interesting research.  
  I wish universities taught stuff like this to students instead 
  of politically correct classes, but I digress.  Tulip Mania 
  seems stupid to modern folks.  Why would someone pay 
  the equivalent of half a million dollars for a tulip bulb?  
  Because other people had made huge amounts of money 
  doing similar things.  Just like nowadays any grandma can 
  open her own store front on the internet, back in the 90s, 
  people were investing enormous sums of money in the dot 
  coms - most of which were a couple of idiots in their 
  parent’s garage with a PC.  Trust me - The dot com bubble 
  of the 90s will be seen as insanely stupid by the next 
  generation.  I know guys who had no business day trading 
  telling me (an actual trained and experienced investor) that 
  I was an idiot for actually doing my job during the day.  I 
  lost nothing during the dot com crash. 
      But that is the issue isn’t it?  It’s Gold Rush Fever.  It’s 
  why the Canadian and US governments had to stop people 
  from going into the Klondike during its gold rush.  You 
  had guys from Texas and Oklahoma who were wandering 
  around Alaska wondering how in the hell it could be this 
  cold.  While they were in Seattle, they weren’t the least bit 
  worried - They had the coats they brought with them from 
  home.  They may have known how to mine, but they had 
  no understanding of Alaska and what real cold is. 
      You think I veered again, don’t you.  But I didn’t.  Gold 
  Rush Fever, whether it is about gold, tulips or IT stocks all 
  comes down to the same thing - People think they 
  understand the rules and the risks, but they don’t.  
  Fortunes and even lives are lost.  This is one of those times 
  where you need to think - What would the stupid folk do?  
  It’s not about thinking things through logically and 
  allowing them to evolve over time.  Nope, this is fast fast 
  fast - do something stupid. 
      And it does matter to your game world.  History tells us 
  that these kind of economic bubbles happen throughout 
  history.  If there is one going on in your game world now, 
  what is it doing?  Well, it is changing prices across a broad 
  region if not the world.  If it is something more like a gold 
  rush, then where is it and what do they need?  If it’s in the 
  desert, they will be buying up all the camels they can, and 
  probably shipping in building materials, because those are 
  pretty rare out there (I mean wood and fabrics).  If it’s in 
  the arctic, then it’s heavy fur clothing and dogs for the 
  sleds.  (What the Seattle ship captains did during the 
  Klondike Gold Rush to supply dogs to the prospectors was 
  despicable.)  Mountains?  Mules, donkeys, and horses, 
  plus ways to haul water.  Then there are the ways that 
  
  9 
   
  people are making money off the folks who are doing the 
  work.  Boom town prices!  All of this can lead to some 
  very fun and very quirky adventures for your players, or it 
  can be a semi-interesting distraction while they are busy in 
  other parts of the world. 
      I keep wanting to fully develop a boom town economy, 
  but I cannot yet figure out a way to roll it into a 
  supplement.  The closest I’ve come is the boom town that 
  developed around the rediscovery of the Lost City of 
  Ballogfar.  Ballogfar was the capital of an ancient Goblin 
  Empire - ruled by ogres with orcish soldiers and goblin 
  workers.  After the civil war (when the goblins and orcs 
  headed south), the ogres replaced them with undead 
  zombies and skeletons.  Well, that only worked for so long 
  until the undead caused a massive plague and wiped out 
  the ogres.  Once rediscovered, there was a flood of 
  adventurers racing to get there to plunder the ruined city, 
  and the vendors that were willing to risk setting up shop 
  there were getting richer than the adventurers.  Oh well, 
  someday, after I hit the lottery and don’t have to work for 
  a living, I’ll publish The Lost City of Ballogfar.  It will 
  rival those other “biggest dungeon ever” supplements, so 
  don’t look for it soon. 
   
  What’s a silver coin? 
      According to Coins of Fletnern (yep - it’s FREE), the 
  standard silver coin is the Brinston crown:  “The silver 
  Crown measures approximately an inch across and is 
  roughly an eighth of an inch thick.  While this is roughly 
  the same diameter of a U.S. quarter, it is twice the 
  thickness.  It is however three times the weight, because 
  silver is heavier (actually denser) than the zinc and 
  copper used in the quarter.” 
      But what is it worth?  The average salary in the USA 
  (based on the social security records for 2012) is roughly 
  $44,300.  (Remember that this average includes those 
  1%ers that everybody always gets so jealous of.)  That’s 
  $21-22 per hour.  That feels to me like someone who has a 
  skilled job and some experience at it.  I’m going to 
  compare this rate to a skilled craftsman in Grain Into Gold, 
  or about 12sc a day.  Doing the math - That means one 
  silver coin represents about $15USD in 2012.  That’s a 
  lot!  When we first wrote LEGEND QUEST in 1991, I 
  remember thinking 1sc=$5.  (The same math says that 
  really would have been about $7.25, so not entirely wrong, 
  but a bit low.) 
      Why does it matter?  Well, the main reason it matters is 
  that I only have copper, silver and gold coins.  
  100cc=10sc=1gc.  This means that 1cc=$1.50.  I created 
  “bits” for Rhum, which are quarters of copper coins.  That 
  worked really well in the 1sc=$5 world, because 2 bits = 
  $0.25, just like it did here.  Now my smallest coin is 
  effectively $0.375.  It makes me wonder how the poor buy 
  things. 
      I’ve recently done some math on the minting of coins, 
  and the truth is, the person who mints the coins loses 
  money on minting copper and silver coins.  He makes 
  quite a bit on the gold coins, no matter how I go about the 
  math, so that’s good, but it means that unless the 
  government is either minting the coins themselves or 
  strictly controlling the coin minters, no one would be 
  making silver or copper coins.  That’s OK, because if you 
  look at the US Mint’s site, they spend $0.024 per penny 
  and $0.1118 per nickel.  Dimes and quarters do pay for 
  themselves, because dimes are cheaper to make then 
  nickels.  Still - I hate the idea that copper coins are 
  actually a loss.  (In one of my best case tries, silver coins 
  came out really close to even.  If you get the metal straight 
  from the mine (instead of from foreign coins you 
  buy/trade), you make money on silver and gold, but still 
  not copper, but these guys cannot just be making brand 
  new coins.  Also, if you have to pay tax to bring the silver 
  into the city (assuming the mint is in the city), you’re back 
  to losing on the silver coins, though a government would 
  probably not have to pay their own tariffs. 
      In Rhum, I wrote that the coins get reminted every five 
  years.  This was both an anti-counterfeiting measure as 
  well as a means of controlling the currency.  I think I need 
  to alter that to say that the silver and gold coins are 
  reminted, but the coppers are left as is - it just isn’t worth 
  the effort. 
      Here’s where reality and fantasy diverge - I don’t use 
  inflation or commodity prices.  I believe that relies on too 
  much math for a GM.  I don’t want anyone to start 
  thinking about copper vs silver vs gold price differences.  I 
  hate to admit it, but I also don’t want to have to worry 
  about one city’s gold purity being much lower than 
  another’s so the one coin is therefore more valuable than 
  another.  As much as I love the realism, I want to focus on 
  the characters and not have to teach an accounting class at 
  the beginning of every campaign or at the end of every 
  adventure.  I’m not suggesting that’s where anyone was 
  going, but I do want to stress what I think is important. 
      By the way, we do explain this in Fletnern:  During a 
  siege (of Rhum) the government made it illegal to “gouge” 
  on pricing.  In other words, anyone caught jacking up their 
  prices was jailed.  Thus - inflation is actually outlawed.  I 
  know - a little too arbitrary, but at a very quick glance, it 
  seems to make sense.  And there may be a vast conspiracy 
  known as the Gold Guild.  These are the producers of gold 
  throughout the world.  When someone else makes a gold 
  strike, they step in and cause problems.  They hold back 
  on production when needed to keep the 100:10:1 ratio 
  correct.  Think of them as De Beers, but for gold and not 
  diamonds. 
   
  Treasure Selections 
      If you’ve seen An Army's Arms: Thunder Doom then 
  you have an idea of how much we think about treasure.  
  
  10 
   
  Not only did we have a chart for miscellaneous equipment, 
  but also for personal valuables, and for the loot that these 
  guys were probably hauling around with them.  Why does 
  this show how we feel about treasure?  Well, the personal 
  valuables section was specifically different from the one 
  found in An Army’s Arms:  Slyvanian Infantry, not 
  only in what would be different for an orcish warrior vs. 
  an elven soldier, but also the precious stones were 
  different because they are from different parts of Fletnern.  
  Then the loot table was based on what they would be 
  stealing for the benefit of their tribe. 
      You see, I love my treasure!  When I collected lead 
  figures (yeah, that was back when lead figures were not 
  considered dangerous.  How many kids ate their lead 
  figures anyway?  Who are we protecting?) ... Anyway, 
  when I collected figures, I collected a lot of treasure 
  figures.  I’d also take my mother’s old costume jewelry 
  apart and use the plastic stones from there.  I was also 
  know to get rings out of the gum ball machines so I could 
  “loot” those too.  I loved nothing more than setting up a 
  display of treasure, typically hiding it under a 
  handkerchief until the party got to the last room. 
      So there’s my bias.  I love treasure!  I considered myself 
  a successful game master when the players write down a 
  piece of treasure instead of instantly converting it into 
  coinage.  So it should not come as a surprise that when I 
  create loot, I think about what the NPC would have had.  
  Was this character religious?  Then his jewelry will have a 
  religious tendency to it.  What gems and precious stones 
  are common in this area?  This extends to if these are a 
  primitive people, then they are more likely to have ivory 
  jewelry and no faceted gems.  It may seem unrelated, but 
  as a GM, I have insisted that both PCs and NPCs think 
  through what rations they are carrying - typically as a 
  means of identifying a little more about their character 
  history, but certainly working in some flavor.  (Iron vs. 
  standard is not what I mean!  Is the jerky beef, venison or 
  buffalo?  Raisins or prunes?  Hardtack or cornmeal?) 
      What’s the point?  My point is this:  Whether you are 
  trying to add realism or because you are stuck for ideas, 
  just think about the guy you’re about to assign the treasure 
  to.  Does his culture wear wedding rings?  Is he married?  
  Do you know where different gem stones come from?  
  What’s local?  The orcs - Are they show offs?  Do they 
  decorate their armor with bronze rings to strengthen it or 
  do they have silver chains to show their wealth?  Do they 
  decorate their weapons?  with feathers and claws or with 
  gem studded hilts?  Back to the earlier question:  are they 
  religious?  If not are they patriotic?  Are they loyal to their 
  military unit?  Each of these styles of allegiance will likely 
  have some manner of art or jewelry that depicts what they 
  focus their life on?  It could be a signet ring, a charm on a 
  necklace, a cameo style medallion, or even some manner 
  of statuette in their belt pouch.  What do they consider 
  important?  Come on, you think about some of these 
  things when you’re doing treasure already.  Do the mages 
  have books that are valuable while the priests have 
  religious artifacts and the warriors have everything from 
  golden belt buckles to sword blades inlaid with silver? 
      Maybe some of this has an impact on the game.  A 
  sword with silver might be of some value against 
  lycanthropes or perhaps the undead, or the guy might think 
  it has value.  The religious stuff might have an impact on 
  channeling holy spells or something.  This doesn’t mean 
  that they are necessarily magic items.  I am not suggesting 
  you develop a backstory for every bandit wandering the 
  woods, but you probably know generally what the bad 
  guys are about.  Use that.  Charge your imagination with 
  this stuff, and make the game that much more fun for the 
  players, who may only come to understand their foes as 
  they sift through the loot.  And if they choose not to care 
  about who their enemies were, well, there are ways to 
  make that bite them in the ass. 
   
  Modern vs. Fantasy - What’s real? 
      As most of you know, I spend an enormous amount of 
  time researching the economics of how things should 
  work in a fantasy environment.  Because I love treasure, I 
  spend much of that time on treasures of the past and how 
  things would probably work out.  But sometimes, this 
  doesn’t work. 
      Case in point - elephant tusks.  Now it may seem 
  contradictory, but I do believe that we should avoid killing 
  elephants or any other endangered animal.  The poaching 
  of elephants and the likely driving of these magnificent 
  creatures into extinction is morally wrong and needs to 
  stop.  But in a fantasy game where no real elephants are 
  harmed, I absolutely use ivory as treasure. 
      But here’s the issue.  Elephant experts have noticed that 
  the average elephant’s tusks are half the weight now as 
  they were 100-150 years ago.  Why?  Because the 
  poachers are killing the elephants with the biggest tusks.  
  Let’s be clear - Poaching an elephant today is a risky job 
  (a criminal job, but ... you know what I mean).  So if they 
  
  11 
   
  are going to risk shooting an elephant for his tusks, they’re 
  going to get the biggest tusks they can find.  Well, the 
  biggest elephants have the biggest tusks.  If you kill all the 
  big tusked elephants, then what is left in the genetic pool 
  is the elephants with smaller tusks, or even no tusks. 
      Is this real?  Yes!  Imagine that beavers were naturally 
  white, but there was a mutant beaver (an anti-albino) that 
  was brown.  If everyone wanted the white beavers and 
  specifically killed them, then the formerly extremely rare 
  brown beavers would begin to increase in population 
  percentage until what had been a rare and unseen thing, 
  became the majority.  That is what is happening with tusk-
  less elephants.  They aren’t the majority yet, but they are 
  moving up in percentages. 
      Why do you care?  Because if you only do a little 
  research, you will be told that an elephant’s tusks weigh 
  100lbs.  Yeah, today they do, but that is half what they 
  were before we perfected firearms.  You will also see 
  some incredibly higher dollar values for ivory today - but 
  those are black market prices.  What I am saying is that 
  unless you do even more research to get to the bottom of 
  these types of things, you will be misled as to what fantasy 
  era elephant tusks should weigh and what their value in a 
  fantasy “historical” culture would be. 
      This is just more of the reasoning behind not trying to 
  equate modern economics with fantasy economics, but it 
  is exactly the type of thing that should matter when you’re 
  figuring out your loot economics. 
   
  Loot Lists 
      This is the Hoards & Other Treasures edition of Small 
  Bites.  It is different from the others because it is not 
  talking about a character archetype or a location, but about 
  loot and treasure in general.  I make no secret of my love 
  of treasure, but what’s actually valuable to a GM? 
      Let’s take an example.  There’s a music video in which 
  a famous guitarist (not his video) is sort of playing with a 
  small golden skull.  Golden skull!  With or without gems 
  in its eye sockets (ruby?  obsidian?  garnet?), this is the 
  kind of treasure that adventurers should love.  But if they 
  decide to cash it in - what’s it worth? 
      It depends.  You hate that answer; I know!  But how are 
  you cashing it in?  If you melt it down, it is still valuable 
  as gold.  If you stole it, selling it as is might be a bad idea, 
  so melting it down and making it unrecognizable might be 
  the smart play here.  So you need to know what it is worth 
  simply as raw gold. 
      But it is clearly an artistic piece.  Some craftsman made 
  it, and that craftsmanship is worth something.  So it has a 
  crafted value too.  But what if it is a historic treasure?  
  Indiana Jones found a golden skull and it was valuable, 
  not only because it was gold and it was pretty (come on, it 
  was pretty!) but because it was the idol of that tribe.  So to 
  an art dealer it might be worth one amount as a work of 
  art, but to a museum it might be worth far more.  So the 
  GM needs to know the base value, the crafted value, and 
  the collectible value. 
      But when the adventurers sell it in the city, who do they 
  go to?  Well, it sounds like a smelter, an art dealer, or a 
  museum curator.  Who then?  Assume it is a sword - not 
  an artistic sword - just a sword.  Well you can still take it 
  to the smelter and sell it as scrap steel.  You can take it to 
  the weapons smith and sell it as a serviceable weapon, but 
  he may not want to sell swords made by other people.  For 
  all he knows it has a fault in it that could get a good 
  customer killed.  You can take it to the peddler who will 
  sell it somewhere along the road.  You could sell it to the 
  pawn shop, the second hand weapons store, an adventurer 
  you meet in a bar, open your own used weapons shop and 
  sell it there, etc. 
      These are the “normal” things an adventurer could do 
  with loot.  Because of that, we need to present the base or 
  materials value of something, along with two others:  1) 
  The “at source” cost is what we often call the wholesale 
  price.  It is intended to represent what you would pay if 
  you went to the manufacturer of this item in his workshop 
  outside the major city.  It is the crafted price.  In most 
  situations, this would be what the adventurers would get 
  for the item if they sold it.  2) The “in the city” price is the 
  retail price.  It is the price the adventurer would pay if they 
  went to the shop and bought it, which means it would be 
  the price the adventurers could sell it for if they had their 
  own shop.  Owning a shop is expensive.  You need to pay 
  salespeople, rent, furniture, and a whole bunch of other 
  stuff.  You also have to pay the taxes and tariffs.  You also 
  want to make some money for yourself so you can eat.  
  This is really important as the “price list” for what 
  characters are paying when they just wander down to the 
  weapons shop to buy their weapons. 
      But we just skipped the collector’s value.  What 
  happened there?  Well, we use to put that in our charts, but 
  so often it is the same as the crafted price, that we felt we 
  were wasting space.  Most charts are tough enough to 
  read.  Eliminating the column would have made them 
  easier, but instead we just added “in City” to make the loot 
  guide a price guide as well. 
   
  
  12 
   
   
  LIFESTYLES OF THE MAGICAL 
  AND MUNDANE 
  A Day of Selling Loot 
   
   
  Rather than do our standard “day in the life” of a 
  character archetype here, we’re going to mix things up a 
  bit by doing a day in the life of Harold the successful 
  adventurer, just returned from a good mission with lots 
  of loot.  Some of you do go through the process of role-
  playing the characters selling off their loot, while others 
  don’t.  As Lifestyles is unquestionably a role-playing 
  article, we’ll walk through it as a role-playing scenario.  
  For more of the nuts and bolts stuff, check out Selling 
  Loot in Y? Y? Y! 
   
  Category:  All 
  Archetype:  Adventurer 
  Location:  Urban 
  Magical?:  Both mundane and magical 
   
   
  ‘Man!  That was a good mission!’ Harold thought 
  to himself.  ‘I got so much loot; I had to steal a cart from 
  a nearby farmhouse to carry it all home.’ 
   
  Harold is returning home from an adventure.  He 
  was hired to accompany a couple of bounty hunters to a 
  bandit camp and help them capture the bandit leader.  
  Effectively, he was needed to keep the riffraff bandits off 
  the bounty hunters while they subdued the boss bandit.  
  They had even brought a mage along to add crowd 
  control support. 
   
  Harold had no idea how big the reward for the 
  bandit was, because they specifically cut him out of it.  
  But that was OK with Harold.  He not only received 
  standard guard wages for travelling with them, but he got 
  all the loot.  Yeah!  All of it.  The mage got a flat fee, the 
  bounty hunters got the bounty, and he got all the loot.  
  ‘That bounty must have been huge for them to pass all 
  this great stuff,’ Harold mused to himself.  
   
  But here he was at the gates of Rhum.  The sun was 
  rising, and he was ready to march on through.  The line 
  wasn’t too long, but he guessed there were twenty or 
  thirty folks waiting to enter the city; mostly farmers and 
  local merchants bring their wares to market. 
   
  “Stop!” the gate guard barked.  “What are you 
  bringing in?” 
   
  “Just my portion of the reward for capturing some 
  bandits.” 
   
  “I didn’t ask you how you got it.  I asked you what 
  it was.” 
   
  Harold was a bit put off by this.  He hadn’t 
  expected a hero’s welcome, but certainly better than this.  
  Plus, he really didn’t know what he had.  “Stuff,” was all 
  he answered. 
   
  The annoyed guard gestured to him to move inside 
  and off to the right.  He was blocking the gate with his 
  wheelbarrow/cart and that was not acceptable as the 
  crowd behind him pushed forward.  So he wheeled his 
  little vehicle over to the right and a snippy looking tax 
  collector walked up to him.  “Whatcha got here?” the tax 
  man said with far more cheerfulness than Harold had 
  ever seen from a tax guy. 
   
  “Stuff,” he answered again. 
   
  “Ah, been out adventuring I see,” the tax man 
  noted.  As he flipped through the cart full of junk he 
  called off a couple of items but not all of them.  “Leather 
  armor, nice pair of boots, bows, arrows, yep yep ...” 
   
  Harold was getting more annoyed than worried.  He 
  had been the good guy here, why were they slowing him 
  down this morning?  He was dying to sink his teeth into 
  some warm bakery, not stand in the street with some 
  scribe picking over his new belongings.  “This 
  everything?” the tax man asked. 
   
  “Yep!” Harold lied.  He had the jewelry hidden in a 
  pouch hanging around his neck, but he wasn’t going to 
  let the tax man know it. 
   
  “Well, we don’t have time to fully assess the tariff, 
  so how about we agree to five silver coins?” 
   
  Harold was not too agreeable about the tax, but he 
  didn’t know what fair would be.  He’d never come home 
  with more than just a sword or shield before and they 
  hadn’t bothered him with those.  He agreed to pay the 
  tariff of 5sc for fear that if they started really going 
  through his stuff it might wind up being much higher.  
  He counted out the five coins (half a day’s wage), and 
  shuffled off with his cart. 
   
   
  Harold may have grown up in a small town, but he 
  had lived in Rhum for about three years.  He knew his 
  way around, or so he thought.  He rolled his cart in the 
  direction of the flop house he typically stayed in, but 
  thought better of that idea.  He couldn’t trust the guys 
  who lived there to not steal his loot.  So he stopped on a 
  street corner and tried to think of where he could stash 
  his loot and get a bed for cheap.  While he thought, he 
  bought a muffin off a street vendor.  It wasn’t warm, but 
  it was good - apple and cinnamon; sure couldn’t get that 
  out on the road. 
   
  It was the muffin that gave him the idea.  He 
  wheeled his cart in the direction of the university.  There 
  were tons of boarding houses over there.  He knew they 
  always had the best smells coming out of them in the 
  mornings.  They might have a place to store his cart and 
  a good bed, and two decent meals a day. 
   
  His new landlady gave him a queer look, but she 
  had an open room and desire to fill it.  He had missed the 
  morning meal, but she had some extra walnut bread 
  
  13 
   
  leftover that he was welcome to.  Harold was a touch 
  nervous about paying for a week of lodgings upfront, but 
  he was feeling confident that his wheelbarrow full of loot 
  was going to be his biggest score to date.  Not that that 
  was setting the bar all that high. 
   
  With his cart stored in his new landlady’s shed, 
  Harold was off to find the right folks to buy his loot. 
   
   
   
   
  A note on all of this loot selling:  Harold “earned” 
  this loot during a legal mission.  The laws of this area 
  allow him to take the items of criminals to help 
  compensate him for his work.  Therefore, we have not 
  touched on fencing loot that any common sense oriented 
  person would know was stolen.  
   
   
  Being in the university neighborhood, Harold 
  thought it best to seek out a mage to start.  You never 
  know what might be magical after all.  Harold got a 
  couple of lectures on the difference between a “mage” 
  and an enchanter, but the uppity skinny jerks eventually 
  steered him towards someone who could actually help.  
  Granted, it was just another uppity skinny jerk.  The sign 
  above 
  the 
  door 
  said 
  “Magical 
  Detections 
  and 
  Investigations”.  That sounded uppity too.  Uppity and 
  expensive. 
   
  Well, the guy inside was uppity, but he had a 
  straight forward sales pitch: For 50sc, he would inspect 
  all of Harold’s loot.  Now 50sc was pretty expensive, but 
  the mage, no “enchanter”, promised that when he found 
  some magic within Harold’s loot, the 50sc would come 
  off the top of whatever he bought.  Harold was going to 
  leave, when the knock-out punch of a sales pitch came:  
  You’re better off letting me check, then selling all that 
  loot and having me check it for the other guy after 
  you’ve given it away cheaper than you should.  Harold 
  couldn’t stand the idea that he might be tricked by the 
  pawn brokers, so he agreed, never really thinking that 
  he’d just been played by the enchanter. 
   
  Forty minutes later, Harold’s loot was displayed in 
  front of the enchanter.  Harold wasn’t sure if he was 
  happy the guy didn’t put on some theatrical magic show.  
  The guy was very matter of fact about casting some 
  spells and investigating the loot.  That was great; Harold 
  didn’t have all day.  But for 50sc, he would have liked to 
  think the guy was working harder than this. 
   
  The 
  enchanter 
  kept 
  making 
  this 
  annoyed 
  expression, and finally spoke.  “There’s magic here, but I 
  just can’t pinpoint it.  What about you?”  Before Harold 
  could completely shake himself from his bored stupor, 
  the skinny guy was casting a spell at him.  Harold shot 
  up immediately, and the mage jumped back.  Harold had 
  his hand on his sword, but hadn’t drawn (yet).  “Woah 
  big fella!  What’s that around your neck?” 
   
  That shook Harold completely awake.  He had 
  forgotten about the little pouch around his neck.  He 
  pulled it out and dumped the three chains on the work 
  table.  That was it (at least that’s what the enchanter 
  said).  The big mother of pearl medallion on the silver 
  necklace - that was the magic he had been sensing. 
   
  The enchanter had pretty good idea. “Look big fella 
  - You’re already a little jumpy, and I’m not real 
  comfortable with you and your sword watching me work.  
  This is going to take a little while, at least an hour for me 
  to figure out exactly what this is.  There’s a nice little 
  tavern at the end of the block.  Why don’t you head 
  down there and get some lunch and come back when 
  you’re done.  By then I should probably have this figured 
  out and we can come to terms on what I’ll give you for 
  it.  Fair enough?” 
   
  “You want me to leave that with you?” 
   
  “Yes, but I understand that you and that massive 
  dagger of yours can chop me to little bits if I try to steal 
  from you.  I live upstairs.  You know where I live.  
  There’s no getting away from you, and honestly this 
  should be a nice little profit for both of us, but not 
  enough for me to leave home.  Let me sweeten the deal - 
  Tell the hostess you’re one of my clients and she’ll put 
  your lunch on my tab.  OK?” 
   
  Crazy as it sounded, the guy seemed honest to 
  Harold.  Wow, a spell caster seeming honest - that was a 
  first.  Harold agreed, even leaving the rest of the stuff 
  with the enchanter.  True to his word, the restaurant 
  recognized that enchanter often sent clients here to cool 
  their heels and didn’t charge Harold.  He was a little 
  nervous that he’d still get charged, so he didn’t go 
  overboard.  Still, spicy venison stew, fresh rolls, two 
  steins of beer (good beer - Rhum beer!), and Harold was 
  feeling a lot more like that returned conquering hero he 
  thought he should be feeling like. 
   
  It was probably less than an hour before he was 
  back, and the enchanter’s apprentice greeted Harold in 
  the “show room”.  A somewhat cute teenaged girl, 
  Harold could see why the wimpy enchanter would want 
  to have her around.  A little “husky” for Harold’s taste, 
  but then again, the enchanter wasn’t a hero like Harold.  
  She asked him to wait for a few more minutes, offering 
  him a bench to sit on.  Harold spent the next few minutes 
  repacking his cart, and only waited a few more before the 
  enchanter came back out. 
  
  14 
   
   
  “OK my friend!”  The enchanter was a little too 
  happy for Harold, and he wondered if this was good 
  news or a sales trick.  “It took me a little longer because 
  your amulet here was enchanted down in Caratok, and 
  we don’t get a lot of their magic this far north, but I did 
  have a book that got me to the right answer.  You my 
  friend have a serviceable, anti-magic spell ward.  Not the 
  most powerful I’ve ever seen, but made by a good solid 
  journeyman. 
   
  “Now, I’d like to buy this off of you.  I gather 
  you’re probably not up on the latest prices of charms and 
  talismans right now.”  Harold didn’t think he shook his 
  head, but clearly the look in his eyes conveyed that he 
  was not.  “Well, I would ask you to trust me, but I 
  understand that that might be tough.  What I can do is 
  write down what this is - a journeyman’s defense against 
  magic amulet.  You can take that to either of two 
  enchanting shops here in Rhum.  The guild tells them 
  what to charge for it, so you should get the same answer 
  at either.  It’s a 1,500sc spell.” 
   
  Harold was never known for his poker face, and the 
  sound of 1,500 coins made his eyes bug out of his head.  
  That was half a year’s salary as a sentry here in town.  
  The enchanter just grinned.  “Look, my man, you know 
  how these things go.  I can sell this here in my shop for 
  1,500sc - that’s the rules of the guild.  But if I give you 
  1,500 for it, I make nothing.  Now, I thought I was only 
  going to make your 50sc today, so I’m feeling really 
  good right now.  I don’t want you to leave and give 
  somebody else a shot at this thing, so I’m willing to offer 
  you a clean 1,000sc for it.” 
   
  “Well, assuming I say yes, that’s a pretty amulet.  I 
  mean the mother of pearl looks nice.  Shouldn’t that be 
  worth something too?” 
   
  “Not in my line of work, sorry.  I don’t buy 
  jewelry; I buy magic.  1,000 less the 50 you already owe 
  me, but you take the silver necklace it was on.  Like I 
  said, I don’t buy jewelry, and that silver is probably 
  worth more than the mother of pearl anyway.  Come on - 
  all that and a free lunch as a tip; you’re making out better 
  than you know here!” 
   
  Harold quickly considered his options.  Maybe this 
  guy was cheating him, but no one had ever offered to 
  give him 1,000 coins while cheating him before.  Maybe 
  he should keep the amulet for himself, but he’d never 
  been hit by a spell before while rousting bandits, so it 
  seemed a waste.  And gosh darn it, Harold actually 
  trusted this guy.  “OK.” 
   
  “Darling the shop is yours.  I need to take my new 
  friend to the bank.” 
   
  Harold twitched a little.  “The bank?” 
   
  “Well, of course.  You don’t think I keep that kind 
  of money laying around here do you?  Look at me! Some 
  big fella like you comes in with one of those cleavers and 
  I’m out everything I have, not to mention dead.  No, no, 
  all my money is at the bank.  It’s just two blocks down.” 
   
  Well, Harold shrugged.  That too made sense.  He’d 
  better go to the bank with this guy now or he might wind 
  up liking him in the end. 
   
  As they walked down the street, the enchanter 
  asked him how he wanted his money.  “I mean, you have 
  a wheelbarrow already, but do you want it filled with 
  silver coins?”  They talked a bit and agreed that the 
  enchanter would give him 50 gold coins and 450 silver 
  coins.  Harold may have kept forgetting about the 50sc 
  fee to investigate the magic, but the enchanter sure 
  didn’t.  The bank trip was over in minutes and Harold 
  had just sold his first piece of loot and now had more 
  money than he had ever had before. 
   
  It was still early in the afternoon, so Harold decided 
  to try another trick he had heard from fellow adventurers.  
  He asked one of the people at the bank where the nearest 
  antique store was.  Ten minutes after leaving the 
  enchanter, Harold was in the posh show room of an 
  antiques dealer.  Now this was an impressive store. 
   
  Again with the skinny uppity guys, a salesman 
  approached him looking quite annoyed at the site of a 
  wheelbarrow in their manicured showroom.  “And how 
  may I help ... you?” he asked in what was probably the 
  most condescending voice Harold had ever heard. 
   
  “I have some coins that I acquired while on a 
  mission for the military.  I’d like to know if any of them 
  are valuable.” 
   
  The salesman was clearly offended, though Harold 
  could not understand why.  “My good man - does this 
  look like a pawn shop to you?”  Harold was about to 
  answer, but the little sales clerk just kept going.  “This is 
  an establishment selling fine antique furniture, not 
  plunder.  Please remove yourself!” 
   
  Harold couldn’t help himself; it was his normal 
  reaction.  He looked right down on the little man and 
  growled.  Growled like a starving wolf ready to 
  consume.  The little man actually let out a squeak, before 
  he jumped back in horror.  The others in the store looked 
  over, but no one bothered to act, not even the guy who 
  was obviously the guard.  Harold grabbed his 
  wheelbarrow and left the store, just in case someone did 
  think they needed to help the little man out.  Apparently, 
  people threatening him must be commonplace. 
   
  Back on the street, Harold pulled out the foreign 
  coins he had gotten off the bandits.  He had to admit, that 
  they looked pretty normal.  Nothing here that might be 
  from some ancient dwarven kingdom or anything, 
  probably just Helatia and Brinston.  So he threw them 
  back in his pocket and headed off to his regular second 
  hand weapons shop. 
   
  The same sluggish man was behind the counter as 
  was typically there.  Harold was never too big on 
  learning people’s names, so he just waved.  The slug 
  
  15 
   
  looked up and sort of woke up, at least enough to make 
  some deals. 
   
  “What do you have for me today, Harold?”  Harold 
  was actually surprised that this guy knew his name.  He 
  almost felt bad for not knowing his, but not enough to 
  ask for it. 
   
  “Some great stuff here - all on the up and up.” 
   
  “Yes, I know Harold.  You are an expert bandit 
  hunter, so no worries from me.”  The slug’s smile made 
  Harold feel slimy, but dumping the big stuff now would 
  let him get rid of this wheelbarrow. 
   
  The two argued through each and every item 
  Harold showed him.  Armor and boots were discounted 
  due to limited fit.  Weapons had to be sound - though 
  these were.  Harold held back on the jewelry, knowing 
  this guy was going to cause him problems.  In the end, 
  Harold walked out of there with far less than he’d hoped.  
  It was at this point that Harold understood why he had 
  trusted the enchanter.  Compared to the other resellers he 
  dealt with, the stranger who only called him “big fella” 
  was far more fair than those he had been dealing with for 
  years. 
   
  Neither the slug nor Harold wanted the wheel-
  barrow, but Harold managed to trade it for a small 
  knapsack.  The silver coins were now in a canvas bag.  It 
  was strong enough to carry them, but annoying in that it 
  didn’t have any handles or straps.  Harold dropped his 
  money into the knapsack and slung it across his back.  
  He did not fail to see the slug’s appraising look.  Harold 
  was now very happy he wasn’t staying at his normal 
  spot, because he would probably have had visitors 
  tonight looking to share in his spoils. 
   
  Dusk had fallen as he was leaving the second hand 
  weapons shop.  Harold was just about to swing into a 
  tavern when he remembered the boarding house was 
  going to feed him.  He hurried back to his new lodgings 
  and popped in just in time, as the other boarders were all 
  sitting down to supper.  He left his knapsack of coins 
  locked in his room and joined them just as the chicken 
  and dumplings were being served. 
   
  He tried to stay quiet, but there were four college 
  students here, and they were dying to hear about his 
  mission with the bandits.  He started out pretty humble, 
  but as they kept peppering him with questions, he got a 
  little more detailed, and little more into a bragging note.  
  He had done well, and he was really proud that these 
  kids, all from far better families than his, were eager to 
  see him as a hero.  It felt good!  It felt so good, he almost 
  slipped about the magic pendant, but he caught himself 
  and avoided telling everyone at the table that he had 
  1,000 coins upstairs. 
   
  After dinner, he was exhausted.  Strange, but 
  haggling with merchants all day just took the wind out of 
  him.  He went to bed with his knapsack of coins stashed 
  underneath. 
   
  The next morning he had only two stops to make.  
  He went to a money changer and found that indeed, the 
  foreign coins were quite ordinary, and he received the 
  standard exchange rate for them. 
   
  The jewelry was a bit more difficult.  He went into 
  a shop near his boarding house, and the jeweler kept 
  looking at him like he was a mugger, or a bandit himself.  
  He grabbed the jewelry back from the guy and stormed 
  out.  He didn’t want to put up with that.  The guy was 
  likely to call the guards or cheat him on the value 
  because he thought it was stolen, or both! 
   
  Over by the Adventurers’ Guild, the jewelers 
  understood his situation better.  It was a long walk, but 
  he didn’t have anything else to do.  The jeweler asked 
  him if his Adventurers’’ Guild dues were up to date, and 
  he replied he was current with the Solders’ Guild.  That 
  was all the guy wanted to hear, and he weighed the 
  jewelry and offered a price.  It wasn’t much, but it 
  covered more than the 50sc he had paid the enchanter. 
   
  The jeweler had put a thought in Harold’s mind.  
  On his way back to the boarding house, he stopped 
  outside the Adventurers’ Guild.  He looked over the 
  posted notices and tried to figure out his next steps.  He 
  could join the Adventurers, though the Soldiers’ Guild 
  really frowned on that kind of thing.  Still, he knew he 
  wouldn’t be the only one in both guilds and keeping it 
  quiet. 
   
  The boarding house was paid through the week, so 
  he had some time.  Still, he knew others who had thought 
  that way, only looking for jobs when the money ran out.  
  That was a good way to wind up in debt, and usually to 
  some pretty nasty people.  Maybe it was time to find a 
  bank of his own, and stash the gold coins at least.  
  Maybe it was time to go shopping for a war horse?  This 
  was new territory to Harold; money in his pockets and 
  time on his hands.  The sky was the limit!  Time to 
  decide in which direction his destiny would take him. 
   
  Afterward - We had written out a lot more details on 
  Harold and the slug, but honestly, we thought it would 
  bore you, so we just cut it out. 
   
  Selling treasure can be a fun gaming session.  It 
  builds the character history, can add contacts, fleshes out 
  the game world itself, and can even be challenging.  
  Rolling 
  haggling 
  competitions 
  against 
  crooked 
  merchants can be similar to combat.  And being faced 
  with choices like “I’ll give you 200 gold coins or 50 gold 
  coins and these potions of flying” can make for some 
  great debates within the party.  Not everything has to be 
  incredibly detailed, but simply handing out an average of 
  coins to each player kind of sucks. 
   
   
   
  
  16 
   
   
  NEWS OF FLETNERN 
   
  The Shrine of St. Pawlina 
   
  During the battle for Parnania, the Lats surrounded 
  the city before many people were able to escape.  The 
  army then quickly took the city, largely intact.  While the 
  looting of individual homes was kept to a minimum, the 
  looting of the noble houses and city buildings was 
  organized and thorough.  One of the sites most 
  notoriously looted was the Prince Governor’s Palace, 
  most especially the Shrine of St. Pawlina.  The Shrine 
  was the main place of worship within the palace, and 
  although small, it was packed with religious objects of 
  historic value and made of precious materials. 
   
  When the orcs took over the rule of Parnania, they 
  made some efforts to return the religious artifacts 
  (though they did loot many of the businesses).  
  According to the official word, only three minor objects 
  remain missing from the Shrine.  This seems impossible, 
  due to the fact that after the palace was looted, a treasure 
  caravan was sent back to Garnock.  In order to believe 
  that the Shrine has been restored, one would need to 
  believe that the artifacts from the Shrine had been held 
  by soldiers and officers themselves against direct orders 
  to send items of this nature back to Garnock, and then 
  those items were recovered from said soldiers. 
   
  Seeing as no commoners are allowed into the 
  Shrine, and relatively few people who had seen the 
  Shrine in person still live, it would be reasonable that this 
  small number of people could maintain a conspiracy to 
  pretend that the Shrine’s items were indeed restored.  
  Fanning the flames of conspiracy, there are rumors that 
  several objects resembling those thought to be in the 
  Shrine were manufactured over the last four years.  
  Conspiracy theorists claim this proves that the restoration 
  is filled with frauds.  The nobility contend that the Lats 
  respected the holiness of the Shrine and left it largely 
  intact despite orders.  They also contend that the frauds 
  are now floating around the region, and the conspiracy 
  theorists are concocting these lies in order to pass frauds 
  off as the actual pieces. 
   
  Who is right?  No one in Parnania can tell. 
  GM Only 
   
  Truth - The Shrine was looted of nearly everything, 
  mainly everything that was under 5’ tall.  Historians 
  inspected everything, and items of low significance, such 
  as gold candle holders, were melted down and stamped 
  into coins.  Items of only religious importance were 
  stored in a vault in Garnock, and were ransomed back to 
  the Parnanian nobility over the last fifteen years.  Those 
  items of both historic and material value were dispersed 
  among the ruling classes of Garnock as war booty, and 
  most of them remain in Garnock.  Some items, typically 
  smaller items, were looted by officers and are now 
  floating around the black market.  The nobility of 
  Parnania did have fakes produced, including some 
  objects of gold being replaced with copies of wood 
  painted as gold.  There had been several paintings of the 
  Shrine before it was looted, so the craftsmen had good 
  documentation from which to work.  The Shrine was 
  overly crowded before and now is far more open. 
   
  THE GOOD LIFE 
   
  Hope Chests 
   
  While every culture is different, nearly every rural 
  culture includes hope chests.  When a girl is born to a 
  rural family, the father either builds or buys his daughter 
  a chest or trunk for her hope chest.  Then, throughout her 
  youth (typically the tween and teen years), she begins to 
  craft the linens she will need once she starts a home of 
  her own.  This hope chest is then the trunk sitting at the 
  foot of their marriage bed containing all the linens and 
  other furnishings she brings into the marriage. 
   
  It takes a long time to knit a blanket, so these girls 
  treasure the items in their chests.  From time to time, the 
  girls might get gifts from their families, often aunts or 
  grandmothers, and these too go into the chest for later. 
   
  When raiders hit farm houses in rural communities, 
  these hope chests are chief amongst the targets.  In many 
  ways, they are the rural farmhouse’s treasure hoard.  
  While the treasure here isn’t silver or gold, it is some of 
  the most valuable loot in the home.  Linens and blankets 
  have a high resale value amongst peddlers and other 
  resellers, plus they have value for the bandits back in 
  their own camps. 
   
  If there is any precious metal in the house, it will 
  either be on display in the living area or hidden away in 
  the hope chest.  Most commonly this is candlesticks or 
  some other fancy furnishing.  Sometimes more kitchen 
  oriented linens might be kept in the hope chest as well, 
  as it is likely protected from moths and other insects.  
  This will be linen napkins, often embroidered or 
  decorated with lace.  Again, even in small numbers, 
  these can be valuable loot when sold to traveling 
  peddlers. 
   
  While a hope chest is a long stretch from a dragon’s 
  pile of treasure, it too is a treasure hoard.  It is a 
  collection of related treasures that looters could find - 
  whether they find it in the rural home or in the bandits’ 
  camp.  Sometimes, it is important to offer up treasures 
  that are not simply made up of silver and gold coins. 
   
   
  
  17 
   
   
  WHAT’S MISSING 
   
   
  This is the “World Walker” version of this edition.  
  Therefore it is not the complete version, but more of the 
  slimmed down version.  So the question could be - 
  What’s missing?  Here is a summary of what you’d see if 
  you got the Game Masters’ version of the book: 
   
  Gold, Silver and WHAT!?! 
   
  Well, when you’re talking about hoards of treasure 
  then the spot with all the prices and stuff becomes the 
  most important part of this edition!  We lay out six 
  treasure hoards - all very different.  In addition to the 
  narrative on the hoards themselves there are about fifteen 
  dozen prices listed in our standard format. 
  $ilver Sense 
   
  Since we were talking about all this treasure, we 
  thought it would be a good time to explain exactly what 
  “gold” is.  You all know what gold is, but what levels of 
  purity are there and how does it matter.  Also, we talk 
  through the verities of gold.  Did you know there was a 
  “blue” gold? 
  By the Numbers 
   
  How many coins fit in a standard coin purse?  What 
  about a chest, a coffer, or a trunk?  We lay out some of 
  the math on coins, both weight and volume. 
  Optional Rules 
   
  Treasure Tricks - Not only some ideas for GMs to 
  toy with the players, but some ideas on what it’s like to 
  try and fight a dragon while you’re skidding across his 
  pile of coins. 
  A Funny Thing Happened ... 
   
  This one isn’t a simple encounter, but a way to 
  make a seemingly minor piece of treasure open up a 
  multiple part adventure. 
  Pull Back the Curtain 
   
  How did Board Enterprises go from writing a book 
  called All That Glitters to writing Grain Into Gold and 
  All About Hoards?  And also why you haven’t seen 
  Coins of the Road, which will eventually be our trade 
  goods supplement. 
  Y? Y? Y! 
   
  Selling Loot - We talked through a lot of selling 
  loot back under Lifestyles, but this one is for the GMs.  
  If you’re going to put some effort into detailing out your 
  treasure hoards, you need to make them interesting 
  enough to peak the players’ interests.  This is where we 
  give you some tips and hints about how to do just that! 
   
  IN CONCLUSION 
   
   
  This is the fourth edition of Small Bites, and we 
  hope we’re getting the hang of things.  If you got a hold 
  of this edition and are not yet a Patreon patron, please 
  click the good looking girl below and join the 
  conversation.  We want your opinion!  We want you to 
  be involved! 
   
  If you are a patron, but haven’t been talking to us, 
  please do.  Shoot us an email and let us know what you 
  thought of this edition!  We can take constructive 
  criticism!  If you don’t tell us, we can’t fix it, and we 
  would much rather fix something you feel is wrong than 
  piss you off about it! 
   
  We are well aware of the fact that there are not “A 
  Baker’s Dozen” hoards here!  As mentioned, a couple of 
  them were moved to different editions because we felt 
  they fit there better.  We’re hoping that as we continue to 
  move forward you’ll see those hoards show up and feel 
  we made the right choices.  But until then - keep letting 
  us know what you want, and we’ll do everything we can 
  to deliver it! 
   
   
  Board Enterprises Website 
  http://www.boardenterprises.com/ 
   
  The Sounding Board Blog 
  http://boardent.blogspot.com/ 
   
  World of Fletnern wiki 
  http://fletnern.wikia.com/wiki/ 
   
   
   
  
  18 
   
   
   
   
   
  So what’s the deal with us and Patreon?  Well, we 
  really want to increase the feedback and the two-way 
  conversations between Board Enterprises and you our 
  customers.  We haven’t done a great job of that over the 
  years, but we’re hoping to keep getting better. 
   
  Did you like the theme?  Let us know!  Did you 
  like some of the articles?  Let us know that too.  Did you 
  dislike an article?  Yep, let us know that as well.  
  Seriously, 
  we 
  want 
  a 
  two-way 
  conversation.  
  Constructive criticism?  We can take it (the constructive 
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  So what are we asking of you?  Well, if you want to 
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  Great, become a World Walker.  It’s only $1 a month, 
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  There is a special offer going on right now!  For the 
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SOURCE: textdata/thevault/_GM Books/World Building & Game Design/ Misc G, H, I/Hoards & Other Treasures (aka All About Huge Treasure Hauls).pdf