couple of DMag #305 feats
Good Neighbor [General]
You have developed positive relations within your community, and its members are willing to offer you assistance when you need it.
Prerequisites: Cha 12+.
Benefits: When in your chosen city, the initial attitudes of regular members of the community toward you never begin worse than
indifferent. You also gain a +4 circumstance bonus to Charisma checks for the purpose of influencing the attitudes of members of the community.
Note: You must specify one city or town in which this feat applies.
Special: You can gain this feat multiple times. Its effects do not stack. Each time you take the feat, it applies to a new city or town.
Dust off your diplomancer stuff, go run a city. Even better go to Sigil.
Line of Credit [General]
Your reputation for trustworthiness is such that members of your community are willing to sell you goods and services on credit.
Prerequisites: Cha 12+, Good Neighbor.
Benefits: When purchasing an
item or service in your chosen city, you can have a line of credit for a number of gold pieces equal to your
Charisma score x 100. (This value can not be higher than one-half the town’s GP Limit based on table 4-40: Random Town Generation in the Dungeon Master’s Guide.)
Once you use this ability, you have one month in which to repay the money owed. If you fail to repay the money owed in one month, while within your chosen city you suffer a –5 penalty to all Charisma-based skill checks. This penalty increases by –5 every month (-10 after two months, -15 after three months, and so on).
After you use a line of credit for any amount, you may not use it again until you repay the outstanding balance.
Note: You must specify one city or town in which this feat applies.
Special: You can gain this feat multiple times. Its effects do not stack. Each time you take the feat, it applies to a new city or town, but you must also have taken the Good Neighbor feat for the appropriate community first.
Easy enough to crank your Charisma up. But the real oomph is borrowing money for Spellcasting Services, go adventure, get loot, pay back the money. It's Finance. Like the modern kind. Does someone with a legit (real life) MBA who knows that level of Finance, wanna chime in on simplified basics ?! Even without any of that, it's quite delicious.