15. Terrik’s Treasures and Coin
The sign displays three yellow balls; this must be the moneychanger's. A guard in chain mail stands by the door, wearing a sword and cradling a light crossbow in his arms, with a quarrel ready. Two large dogs are sniffing in your direction.Terrik’s Treasures and Coin serves as the primary financial institution in Hommlet, providing essential money-changing and jewelry services to villagers, travelers, and adventurers alike. Run by the unassuming but savvy Niro Terrick, this establishment is crucial to the economic stability of the village, offering a range of services with discreet efficiency.
Location and Description
Terrik’s Treasures and Coin is situated along Nigb’s Run at the base of the hill, across the road from D&G Dry Goods & Mercantile Exchange. The shop’s proximity to Wolog’s Teamsters and the bustling marketplace makes it an ideal location for those seeking to manage their wealth.Building Description
The building is new and sturdy, reflecting Niro’s investment in creating a secure and welcoming environment for his clientele. A sign above the door depicts three yellow balls, universally recognized as the symbol of a money-changer.Exterior
- Security: A guard stands near the door, clad in chainmail and equipped with a crossbow and arming sword. Two large mastiff-like dogs, Fang and Mutt, are always nearby, providing an additional layer of protection.
- Signage: The sign depicting three yellow balls hangs prominently, signaling the establishment’s services to passersby.
Interior
- Shop Floor: Inside, the shop is clean and orderly, with counters displaying various pieces of jewelry and currency. A strongbox and scales sit prominently on the counter, tools of Niro’s trade.
- Living Quarters: Beyond the shop floor lies Niro’s modest living quarters, where he conducts his affairs and secures his wealth.
Lore and History
Niro Terrick established his shop in Hommlet to capitalize on the growing economic activity in the region. Originally from a larger city, he recognized the potential for profit in a smaller, yet bustling village.Historical Significance
Terrik’s Treasures and Coin quickly became an integral part of Hommlet’s economy, offering much-needed financial services to residents and visitors. Niro’s reputation for discretion and fairness has made his establishment a trusted cornerstone of the community.Motivation and Relationships
- Profit and Stability: Niro is motivated by profit, seeking to maintain and grow his wealth through prudent business practices.
- Neutrality: He values neutrality and avoids involvement in local conflicts, focusing instead on providing consistent and reliable services.
Relationships
- Community Trust: Niro maintains a positive relationship with the villagers, who appreciate his services and discretion.
- Cautious of Traders: While he interacts with 13. D&G Dry Goods & General Mercantile, Niro remains cautious, aware of the traders’ opportunistic nature.
Current Events
Business Operations
Terrik’s Treasures and Coin continues to thrive, with Niro efficiently managing transactions and crafting custom jewelry for his clients.Bandit Concerns
The rising bandit activity in the region poses a threat to Niro’s business, prompting him to increase security measures and remain vigilant.Opinions on Bandit Problems
"The rise of bandits threatens not just our safety, but our prosperity."
"Stability is key to business; bandits bring chaos and uncertainty."
"Militia Captain Fletcher has shown strength in organizing defenses, yet he could benefit from more collaboration with neighboring regions to strengthen our position."
"Gundigoot has a keen sense of the village’s pulse, but even he must realize that the bandit threat requires more than just vigilance from the Inn's patrons."
"Burne and Rufus have brought stability through their tower, yet their focus on magical defenses may not address the immediate threats on the road."
"Elder Kenter Sr. knows the village's history well; his wisdom is vital, but he must adapt to the changing times with more dynamic measures against banditry."
Secrets Cash Box and Treasure
Show spoiler
- Secret Weapons: Niro keeps a +1 dagger in his boot and a +1 short sword under the counter for self-defense, prepared for any threat to his safety or business.
- Hidden Wealth: Niro’s shop contains several caches of wealth:
- Cash Box: Holds 200 each of copper, silver, and gold pieces.
- Iron Box: Contains 50 platinum pieces, 250 gold pieces, and 16 gems worth varying amounts.
- Hidden Compartment: The bottom of a chest lifts to reveal 50 gold ingots, each worth 100 gp.
- Trapped Chest: In his living quarters, an oaken chest with a poisoned needle trap and acid spray protects additional valuables. Only Niro knows the trick catch to access the chest safely. Poisoned needle trap: if the top is opened, acid sprays out in front (10 foot range), inflicting 5-20 points of damage to each victim in the area (save for 1/2 damage, but save for items as well). A trick catch on the back of the chest allows safe entry. On a fail, the creature must make a DC 15 Constitution save or suffer the poisoned condition for the next 24 hours.)
Conclusion
Terrik’s Treasures and Coin stands as a bastion of financial stability in Hommlet, offering essential services with discretion and efficiency. Niro Terrick’s expertise and neutrality make his establishment a trusted ally to those seeking to manage their wealth in an ever-changing landscape. As the threat of banditry looms, Niro remains committed to safeguarding his business and serving his community with integrity.
Terrik’s Treasures and Coin by 3orcs
"In business, trust is worth more than gold."
Niro Terrick
Role: Money-changer and jeweler- Level 3 Thief: hp 12; AC 4, #AT 1; D 2-5 (dagger +1) or 2-9 (longsword + 1 S 9 116 W 13 D 15 Co 9 CH 10, XP 116
- Appearance: Niro is a middle-aged man of average height with a meticulous appearance, always dressed in neat, functional clothing suitable for his trade.
- Personality: Courteous and discreet, Niro is a true neutral character with little interest in local politics or conflicts. He values stability and profitability above all else.
- Skills: As a former rogue, Niro is adept at appraising gems and negotiating deals. His experience lends him a keen eye for value and a knack for subtle persuasion.
Security
- Guard: The guard near the entrance is vigilant, ensuring the safety of the establishment and its clients. He is well-trained and ready to act should trouble arise.
- Level 3 Fighter: AC 4; hp 17; #AT 1; D 1-8 (longsword) or 1-4 (light crossbow, ranges 6'712'718" XP 101
- Fang & Mutt: These loyal guard dogs are trained to protect the premises and respond to commands from Niro or the guard.
- War dogs (2): AC 6; HD 2 + 2; hp 16, 13, #AT 1; D 2-8; XP 83, 74
Type
Shop, Generic
Parent Location
"Your wealth is safe with me, as long as you pay the fee."
Services Offered
Money-Changing
Exchange Rates: Niro offers currency exchange services, charging a 10% fee for transactions. He accepts various forms of currency and precious metals, providing convenient and reliable service.Jewelry and Gems
- Buying and Selling: Niro deals in gems and jewelry, purchasing items for 50% to 80% of their actual value and selling them for 110% to 120% of their value.
- Custom Work: Niro also crafts jewelry, with costs reflecting the value of materials doubled. The resulting pieces are valued accordingly, providing clients with unique and personalized items.
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