The Golden Bargain
by J. Patrick McDonald
Worshipers of Halea often refer to The Golden Bargain; this
bargain, as taught by her priestesses, promises abundant wealth to all
who follow its tenets.
Though not every adherent is able to maintain the strict financial
regimen subscribed, those who do amass great wealth. Even those who
falter often achieve wealth through these efforts.
The Golden Bargain is often described in one of three ways. Depending
upon the level of wealth of the adherant, it may be taught as The
Seven Coins, Seven Cures for a Lean Purse, or The
Seven Laws of Gold.
The Seven Coins
The seven coins is a teaching tool used by the Halean temples to
ensure the wealth of their adherants. In a way they are the financial
tenets of the religion. The concept is a simple budgeting technique.
The priestesses teach the adherents to divide their income into seven
equal parts (or Seven Coins) and spend them according to a
basic plan.
- Halea's Coin
- Tithe thy first coin to the Godess. All wealth flows from the
maiden. (The 1 in 7 tithe of income is sometimes referred to as
"the first bargain".)
- The Magic Coin
- Keep the second coin in thy purse. Spend it not. Put thy magic
coins to work.
- The Debtor's Coin
- Give the debtor's coin to thy creditors. Soon this coin will
be thyne own to keep. (This coin is sometimes referred to as
Sardura's coin. Sardura - Halea's "left hand" collects against the
mistresses bargains. The wise debtor pays creditors.) The debtor's
coin is also special in that it encourages the follower in practices
of wise borrowing. It promises the indebted follower that by paying
off debt now, in the future the debtor's coin becomes "thyne own",
giving two coins in seven for the pursuit of pleasure. In cases where
debt is significant, the worshiper may need to spend two in seven
toward debt reduction. This unpleasant practice is referred to as
"paying Sardura with both hands."
- The Kings Coin
- Keep the Kings coin safe, that when the tax collector comes
thyne own wealth will be beyond his reach.
- Two Coins for Thy Necessary Expenses
- For thyne own and thy families necessary expenses spend but
two coins.
- Thyne Own Coin
- The last coin is thyne to spend so that thou will always know
wealth and pleasure. Give thy last coin to Dulcia, Galopea, or Tania
for thyne own or a loved ones pleasure.
Note: The plan at first may provide what appears to
be a repressed lifestyle; it ensures, however, future wealth through
stringent savings and investment and satiates the wealth of the
worshiper through permission to spend the seventh coin for pleasure.
Seven Cures for a Lean Purse¹
These Seven Cures are taught to initiates once they have learned the
Seven Coins. The cures serve as a gentle reminder of the
original seven coins, while providing additional elements and
instruction in the investment of wealth. The priestesses realize that
the temples wealth is dependant upon the wealth of the laity, and thus
they work diligently to see that these tenets are followed.
- Begin thy purse to fattening. This is the magic coin.
The dominant principle of wealth in Haleanism is the importance of
investment.
- Control thy expenses. Haleanism is about wealth and
excess, but the priestesses know that even excess must be taken in
moderation. The bargain (actually the key principle of The Golden
Bargain) is that thrift and abundance in combination produces
great wealth.
- Put thy magic coins in Elomia's palm. Elomia, the
princess of enterprise, represents the bargain of investment. The
church knows that wealth wisely invested grows rapidly. To this end,
the priestesses often work with reputable userers to establ ish
investments for temple followers. In a sense, the church acts as a
broker to leverage and diversify the wealth of Halea's followers.
Temple adherents gain access to a safe investment with a moderate
return, the userers have a steady source of capital, and of course,
the temple earns a small return for its services. This practice is
commonly called the Ralathina's bargain.
- Ward thy magic coins. Selina, princess of abundance,
guards Halea's treasures. The church teaches its laity to guard its
wealth carefully. The priestesses go so far as to recommend safe,
moderate return investments--such as those they have arra nged with
known userers.
- Own thyne palace. The value of home ownership is not
lost on the Halean church. Many temples work with the userers among
their laity to provide loan guarantees to their congregations for the
purpose of buying a residense. The guarantees usually result in
discounted interest rates. Defaults on such loans are rare, but when
they occur the church forcloses on the property, and will re-sell the
real estate to another paritioner, often at a substantial discount.
These guarantees are often referred to as a "Lord's Bargain."
- Insure a future income. The church incourages the
practice of diverse investments in competent userers as a source of
future income. While such matters are minor during major religious
festivals, the discussion of investments is a daily occuran ce within
Halea's temples.
- Increase thyne own worth. Halea's lust for wealth is
insatiable, as is that of her followers. The church teaches the wise
practice of constantly improving ones earning potential. Almost as
common as discussion of investments, the practice of tr ades is also
discussed among the church's followers.
The Seven Laws of Gold¹
The Seven Laws are taught to those who have mastered the
Seven Coins and the Seven Cures. These go beyond
basic budgeting, saving and safe investing, to the powerful wealth
building tools of investment and entrepreneurship.
- Wealth cometh in abundance to anyone who keeps the magic
coin.
- The magic coin multiplies even as the flocks in the field for
the shepherd who makes of it a profitable bargain.
- The magic coin clingeth to the wise bargainer or to one whose
bargains are made with advise of the wise.
- The magic coin slippeth through the fingers of those whose
bargains are made in unfamiliar industry, or without the counsel of
competent bargainers.
- The magic coin flees the bargainer who would force its
impossible growth or bargain with schemers and tricksters.
- Thalia loves men of action.
- Elomia loves men of skill.
The Golden Bargain in Play
HârnWorld is to be used, so I thought a few scenario
ideas related to the Golden Bargain would be in order. Enjoy!
- An otherwise competent userer has invested the local temples
Ralathina's Bargain in a risky mercantylers project, and
believes said mercantyler has absconded with the money. The userer
hires an expedition to "discreetly" recover the funds.
- An adherent has defaulted on a Lord's Bargain and the
temple solathir have recruited mercenarys to effect an eviction.
- A wayward player is paying Sardura with both hands.
Such a player should be constantly tempted by hucksters and schemers -
along with a legitimate opportunity for significant gain with a
moderate investment. The player must recognize the legitima te
opportunity. Thalia loves men of action.
1. The wise reader will recognize the similarity of
the seven cures and the seven laws to the work of George S. Classon's
The Richest Man in Babylon Signet Publishing, 1988. This book
is as valuable to merchants and mercantylers in Hârnworld as it
is to their players and GM's in their daily routine of Papers and
Paychecks.