Sample Business Sheet

[Gillar]

To start thinking about your Business Sheet, you should review the section on Income in the Price List. For the sake of consolidation, here is the entry for Income from the List. It offers information on how much sample occupations pay (constantly growing and evolving) and also details bonuses to income based on skill and sales. We will refer to this information when detailing sample business sheets. (Note: Characters may only receive a regular income after arranging it with a storyteller.) Income received from performing a job varies greatly and depends on not only the job itself but also the skill and ability of the worker. City structure can also play an important role as well. In smaller cities of limited wealth and resources, worker income may be less than what it would be in larger cities with greater wealth. A city that prides itself in its mining operations may value miners and masons more than others thus the income of such occupations may also be greater. Below is a list of sample professions and their '''basic daily income'''. This assumes that the worker has at least a Novice (L1) level in the primary skill of that profession. As you will see, income may vary greatly but in general, falls within 1 and 10 gold mizas per day. From the list we can also see that jobs requiring more specialized skills offer a greater income but also require more responsibility. Those who fall behind in their job duties may see a reduction in pay or even the loss of their job. As a person becomes more experienced and acquires a greater level of ability in skills that relate to their job, they may expect a greater income. For job-related skills of Competent (L2), income general increases by half again as much (rounded down). Thus an alchemist making 7 gm a day at a Novice level will make 10 gm a day. At the expert level (L3), income doubles thus the Competent Alchemist making 10 gm a day will make 20 gm a day as an Expert. At the Master level, income for a job doubles yet again so that the Expert Alchemist making 20 gm a day will make 40 gm a day once they become a Master. Note that this is base income. Finalized income is set by the attending Storyteller and may include extras such as a percentage of sold items, etc. Such percentages added to regular base income does not normally surpass 20% per skill level (rounded down). Thus if a character owned an alchemist shop, the storyteller may decide that the character would make an additional amount of money from sales and services. For the L1 Novice Alchemist making 7 gm, they would get an additional 1 gm from sale profits for a total of 8 gm per day. The L2 Competent Alchemist making 10 gm a day would get 12 gm a day after sales profits. The L3 making 20 gm a day would get 24 gm a day total while the Master making 40 would get 48 gm a day total. Remember that these are routine, everyday wages that do not take into account character discoveries, innovations, inventions and adventuring that may bring separate, less routine amounts of money. Sage 15 gm Gemcutter 9 gm Armorer 8 gm Locksmith 8 gm Weaponsmith 8 gm Alchemist 7 gm Attorney 7 gm Hunter 5 gm Wilderness Guide 5 gm Mercenary (Advanced Missions) 5-7 gm Groomer 5 gm Engineer/Architect 4 gm Performer 4 gm Innkeeper 4 gm Shopkeeper 4 gm Bookbinder 3 gm Bowyer 3 gm Clerk 3 gm Cobbler 3 gm Mason 3 gm Mercenary (Basic Missions) 1-3 gm Tanner 3 gm Scribe 3 gm Cook 2 gm Groom 1 gm Laborer 7 sm Maid 7 sm

[Gillar]

Below is a sample business sheet for a sample business that you can use as a model for your own creations. In creating your own business sheet it is suggested that you try to keep things as simple as possible and avoid confusing details. This business sheet is an example of a business that specializes primarily in the sale of goods. Johan's Tent of Tools and Trinkets Business Type: Goods Items Sold: Cosmetics, common 1 cm/oz. Rugs and tapestries, common 1–5 gm/5-15lb Lamp, Common 1 sm Torch 2 cm Rucksack 1 gm Pouch, Belt 1 gm Case, Map Or Scroll 1 gm Earrings, Copper 2 sm Necklace, Copper 5 sm Dice Set, Bone 5 cm Axe, Carpenter's 1 gm Shovel 2 gm Base Income: Shopkeeper 4 gm/day This is based on the shopkeeper's skill level regardless of what is sold. The idea is that the more skilled the shopkeeper, the more mizas they can keep from a sale after covering expenses. For the sake of this example, we will use Johan, a simple man with a knack for getting people to want to buy from him. Johan is a non-specialized shopkeeper meaning that his shop does not specialize in any particular item. So we look at the Income section of the Price List and see that a shopkeeper makes a base of 4 gm per day. Skill Bonus: Competent Persuasion 2 gm/day Since Johan's shop does not specialized in a specific type of good or service, we will rely on his Persuasion skill to determine his income bonus. Usually, a shop without a specialty will rely on Leadership for its skill. Persuasion however can be used in place of Leadership in some instances. Johan has a Competent level of Persuasion which gives him half again as many mizas per day. So we take 4 gm base and half of that (2 gm) to it for a total of 6 gm per day income from Johan's shop. Sale's Bonus 1 gm/day A Storyteller may also approve a bonus from sales based on especially creative business set-up and initial thread work or even further down the road from equally creative and well-deserved thread work involving the business. This bonus may also be granted based on how many mizas are invested in the initial shop set-up. This bonus does not exceed 20% per skill level, rounded down. So for the sake of Johan, we will say that because of the history of how he came to operate his shop, he gets a 20% bonus to his sales 20% of 6 gm rounded down is 1 gm for a total of 7 gm per day income. Total Income: 7 gm/day Assets: While we do not need to number crunch all of the expenses for this shop, we do need to list all of the assets required to operate the business. Assets include the structure, furniture, transportation (if necessary), items to be sold (may refer back to the Items Sold section) and any potential employees. Items to be sold must be purchased only once at the start of the business. Replenishment of sold items is already figured as part of the income. So for Johan, he would have to purchase, once, all of the items he wishes to sell in his shop. Johan would have assets such as a pavilion tent, average table, average shelf set and all of the items he has for sale. If he were to have an employee, Johan would have to pay the employee their standard wage out of the shop’s daily income. Debt:This would be where one puts what is owed after full purchase of assets. Most often, this is what is owed to those who have loaned the mizas for the business start-up. Who gave you the mizas?

[Gillar]

Below is a sample business sheet for a sample business that you can use as a model for your own creations. In creating your own business sheet it is suggested that you try to keep things as simple as possible and avoid confusing details. This business sheet is an example of a business that specializes primarily in the sale of services. Yano’s Bathhouse Business Type: Service Services Offered: Bathing Chamber, Self-Service: 1 gm Bathing Chamber, Full-Service: 2 gm Massage Beds: 3 gm Meditation Training: Novice 50 gm Base Income: Groomer 5 gm/day This is based on the individual’s skill level regardless of what is offered. The idea is that the more skilled the individual, the more mizas they can keep from selling their services after covering expenses. For the sake of this example, we will use Yano, a young woman with a special touch and the ability to make one feel exquisite. Yano is skilled in grooming; massage therapy and meditation. So we look at the Income section of the Price List and see that a groomer makes a base of 5 gm per day. Skill Bonus: Competent Grooming 2 gm/day While Yano is Competent in Grooming, she also possesses a Competent level of Meditation. For the sake of this business which deals mainly in grooming techniques, we will use that as a basis for determining skill bonus. Yano has a Competent level of Grooming which gives her half again as many mizas per day. So we take 5 gm base and half of that (2.5 gm) to it for a total of 7.5 gm per day income from Yano’s Bathhouse. Sale's Bonus 1 gm/day A Storyteller may also approve a bonus from sales based on especially creative business set-up and initial thread work or even further down the road from equally creative and well-deserved thread work involving the business. This bonus may also be granted based on how many mizas are invested in the initial shop set-up. This bonus does not exceed 20% per skill level, rounded down. So for the sake of Yano, we will say that because of her unique flavor she adds to her business tempered by the low cost of starting the business, she gets a 20% bonus from her Competent Grooming. 20% of 7.5 gm rounded down is 1 gm for a total of 8.5 gm per day income. Total Income: 8.5 gm/day Assets: While we do not need to number crunch all of the expenses for this bathhouse, we do need to list all of the assets required to operate the business. Assets include the structure, furniture, transportation (if necessary), and any potential employees. For the sake of this business, it is primarily service oriented so initial costs may be less than those of a business specializing in the sale of the goods which reflects upon the lower sales bonus percentage. Yano’s assets include two simple baths, a simple common area and two average massage benches plus a collection of simple oils, soaps and perfumes. Yano performs all of the services herself so she does not require an employee. Debt:This would be where one puts what is owed after full purchase of assets. Most often, this is what is owed to those who have loaned the mizas for the business start-up. Who gave you the mizas?

[Gillar]

Below is a sample business sheet for a sample business that you can use as a model for your own creations. In creating your own business sheet it is suggested that you try to keep things as simple as possible and avoid confusing details. This business sheet is an example of a business that specializes in both goods and services and includes employees. The Darkest Corner Business Type: Goods and Service Goods and Services Offered: Bloodroot (4-dose tiny vial) 50 gm Blue Whinnis (4-dose tiny vial) 175 gm Close Call (4-dose tiny jar) 75 gm Corona (4-dose tiny vial) 75 gm Dark Tongue (4-dose tiny vial) 25 gm Greenblood oil (4-dose tiny vial) 25 gm Lazy Gel (4-dose tiny jar) 10 gm Lost Tongue (4-dose tiny vial) 15 gm Blade spring 4 gm Bolt, glass-bulb 1 gm Portable Poisoncrafting kit 150 gm Treating Poisons 45-100 gm Base Income: Poison Crafter 7 gm/day This is based on the individual’s skill level regardless of what is offered. The idea is that the more skilled the individual, the more mizas they can keep from selling their goods and services after covering expenses. For the sake of this example, we will use Vice, the nuit poisoncrafter who makes a "living" dealing in poisons and poisoning services. Vice is an Expert Poisoncrafter So we look at the Income section of the Price List and see that a poisoncrafter makes a base of 7 gm per day. Skill Bonus: Expert Poisoncrafting 21 gm/day Vice is an Expert Poisoncrafter who sells poisons and offers treatment for those who suffer from the effects of poisons. So we take 7 gm base and half of that (3.5 gm) to it for a total of 10.5 gm per day income. That is for the Competent level but Vice is an Expert so we will double what he gets from Competent. Thus 10.5 gm becomes 21 gm per day from Vice's goods and services. Sale's Bonus 4 gm/day A Storyteller may also approve a bonus from sales based on especially creative business set-up and initial thread work or even further down the road from equally creative and well-deserved thread work involving the business. This bonus may also be granted based on how many mizas are invested in the initial shop set-up. This bonus does not exceed 20% per skill level, rounded down. So for the sake of Vice, we will say that because of the nature of his business; he offers poisons but also treats poison victims, a rare set of goods and services, he gets a 20% bonus based on his skill and rarity of goods and services. 20% of 21 gm rounded down is 4 gm for a total of 25 gm per day income. Total Income: 25 gm/day - 7 gm/day for 1 employee = 18 gm/day Assets: While we do not need to number crunch all of the expenses for this entrepreneur, we do need to list all of the assets required to operate the business. For Vice, he operates out of a small laboratory in a dark corner of a major city. Assets include the structure, furniture, transportation (if necessary), and any potential employees. For the sake of this business, Vice has his simple laboratory, poisoncrafter's lab and the poisons he sells. He also employs an apprentice who aids him in brewing poisons. His apprentice is a Novice and thus makes 7 gm a day. This must be noted and subtracted from Vice's income per day. Thus 25-7=18. So Vice's Total income is adjusted to 18 gm per day. Debt:This would be where one puts what is owed after full purchase of assets. Most often, this is what is owed to those who have loaned the mizas for the business start-up. Who gave you the mizas?

[Gillar]

Sales Bonus A Storyteller may also approve a bonus from sales based on especially creative business set-up and initial thread work or even further down the road from equally creative and well-deserved thread work involving the business. This bonus may also be granted based on how many mizas are invested in the initial shop set-up (creativity tied to the investment should still be present). This bonus does not exceed 20% per skill level, rounded down. An update on Sales Bonuses: After some review and a bit of thought, I am updating the Sales Bonus part of the Business Plans to include a Negative Sales Bonus. This would occur in a number of situations such as starting a business in a place where the goods or services offered already exist in an overabundance. For example, a general blacksmith starting a business in Sultros will likely experience a bit of a Negative Sales Bonus unless they find a way to somehow stand out in a place that has an overabundance of blacksmiths. Another way to gain a Negative Sales Bonus would be to over-specialize with a business. While some businesses are geared toward specialization, others are not. If for example, you are a blacksmith and you only forge horseshoes and nothing else; not tools, implements, or anything other than horseshoes, chances are you will not have as good of sales as if you broadened your selection. If you are a healer who only tends to bruises and nothing else; not cuts, scrapes, broken bones, etc., chances are your income will suffer. If you are an apple farmer who only sells to a single fruit stand in town, chances are you will not make as much as you would if you instead sold to a number of stands and spread your product throughout the market. If you go the discount route and purchase a substandard facility to run your business, while it may be cheaper to get things started, you may suffer a Negative Sales Bonus due to the poor conditions of your facility affecting your sales. Negative Sales Bonus A Negative Sales Bonus may be put in place to address potential difficulties one may experience due to the nature of their business, its location, over-specialization or a number of other issues that may hinder sales. Unlike the standard Sales Bonus where it is more difficult to stand out above the crowd, it is far easier to fall behind in a world where extreme wealth and prosperity is not common. As with the rest of life in Mizahar, businesses must often fight for survival. Thus, the Negative Sales Bonus may reach as much as -40%. A Negative Sales Bonus may be reduced, eliminated and an actual Sales Bonus may be attained depending on the amount of work one goes through to improve their business. Thus if someone began a business that was overspecialized in battered building in a terrible location filled with similar businesses, they would likely begin play with a rather large Negative Sales Bonus. If they in turn, broadened their goods or services a bit, upgraded and improved their building and did something to make their goods or services stand out from the rest, they would likely go from Negative to Positive. For example, a Competent business owner bringing in 8 gm a day suffering from some of the difficulties mentioned above may incur a -40% Negative Sales Bonus which means he would suffer a -3 gm penalty to his Total Income. This leaves him with a total of 5 gm a day thus more than nullifying his bonus for having a Competent Skill Level. The idea being that even though this business owner is skilled in what he does, he needs to actually employ that skill by designing and operating his business to that level.