Building a sect from scratch.

Chapter 404 Borrowing Money
There are currently only two ways to fight Raben: the sacrifice strategy and the 20/80 split strategy. Nietzsche usually uses the 20/80 split strategy when leading a group. This means that a small team of five or six people is sent to lure the true demon boss away, while the rest of the group defeats the other medium-level demons one by one, and then the whole group attacks the true demon boss together.

Normally, this tactic would definitely result in one or two casualties for the team kiting the boss, since everyone makes mistakes. But today, because the players kiting the boss were a few who had been drinking pig's feet soup and were constantly burping—this was an effect they discovered after drinking the soup together before the raid with the main group, and Nietzsche temporarily adjusted the team assignments—these players kited the boss exceptionally smoothly, even achieving a 0-casualty record after the main group had cleared all the other mobs!
Such an easy situation is unprecedented. After all, the group led by Nietzsche spent several hours just clearing the Leiben dungeon, and in the end, they only managed to clear it after losing about twenty people!

So, in the team's microphone, several players chatted casually with each other: "I think we don't need to take any other potions! That pig's feet soup is enough!"

"The key is that burp sound, you know? Look at those two, every time they burp, the BOSS seems even angrier and more determined!"

"Irrefutable!"

"I'll buy a few more for T to drink next time; it seems like it'll save me a lot of money on medicine!"

"This stuff is so effective, it must be expensive, right?"

"I don't know, it looks like a casual player in the group created it themselves!"

……

Compared to the highly effective "pig's feet soup that quickly stops burping," another type of pig's feet soup that supposedly improves one's cultivation level has received only lukewarm responses.

According to several players who had finished their soup, their cultivation level did fluctuate, but it was only "fluctuated". The increase was not even as much as the cultivation level gained from running a dungeon or meditating for ten minutes or so!
However, every gain has its loss. The success of the "lightning-fast" pig's feet soup signifies that the idea of ​​"A Lump of Night Owls" has indeed come true in the game—to open a medicinal cuisine shop that specializes in selling special-effect foods!

"So, you're here to borrow money?"

Huang Zhucao stared wide-eyed, deliberately clutching her chest as if in utter grief, and asked incredulously, "You rebellious disciple, you rarely take the initiative to play with me, but you've come to borrow money from me!?"

A husky night owl's eyes darted around: "Uh, this business has a lot of potential... If it makes money later, you'll get shares too... And it can't be called a loan, I mean..."

"No money!"

Before the owl could finish its sophistry, Huangzhucao spread its hands in a show of utter despair and said with complete audacity, "I have no money, but you can take my life! Your master is a poor alchemist! Where would I get the money? I can't possibly mortgage my alchemy furnace to get you a loan, can I? You're practically asking for my life!"

"Ahem, Master, I think I'm older than you..." A clump of night owls casually muttered, then quickly explained, "Also, actually, I don't need too much. I was thinking of just opening a shop on the homestead I applied for. Anyway, it's close to the teleportation array and in the relatively prosperous Naba Sea area. As for the house, I can build it slowly as I make money... The main problem is that I've been broke lately because of customizing the alchemy furnace and buying spiritual materials, so I asked you if you could lend me any gold. I'm asking you to buy gold, not to ask for it for free!"

"You want to buy gold? You should have said so earlier!"

Unexpectedly, Huang Zhucao perked up immediately upon hearing this, saying, "Just go directly to Huadao. He manages the community's account. Our community may not have much else, but we have plenty of spirit stones! Every member can get up to three months' worth of dividends in advance! And there's also an interest-free loan service... Hey, didn't you see the announcement in the group?"

"I've looked into it, but I'm not really keen on taking out a loan... What's this about advance dividends?"

A night owl was aware of the interest-free loan benefit, a perk offered by the famously wealthy Haoqi Eternal Life guild to its members. All players in the guild could apply for a certain amount of interest-free loans, with a maximum repayment period of one year. If they couldn't repay, they could apply for an extension. However, for players, this was essentially in-game virtual currency, only needed for temporary use for a few days before being repaid. It saved them the risk of being scammed by spending real money to buy in-game currency, making it arguably the biggest benefit of the Haoqi Eternal Life guild, attracting many high-level players.

But this advance payment of dividends... he really didn't understand what was going on!

Huang Zhucao explained, "It's the community member ranking system based on our contributions. I'm level three, and you're level five. My bonus last month was one hundred dollars, and I heard it'll double this month! As for yours... well, I don't really remember, but it should be a few dozen dollars, right? Anyway, I know that last month's bonus, even the lowest tier, was twenty dollars!"

Community dividends are a method used by many communities in the game "Ten Continents Chronicles" to attract active players. Most medium and large communities with some financial strength have this benefit.

In short, most communities have a collective income, including a portion of commercial taxes collected after the city's founding—although the majority still goes to the Taiyin Sect, the remaining portion, if managed properly, can be quite substantial. In addition, there are collective industries; for example, in Chang'an communities, there are numerous collective industries within Chang'an City, and the income from these industries also counts as collective income. And then there's another major source—land fees.

Each community manages its land differently, but most follow the model of Chang'an communities, selling only usage rights, much like the communities in China on Earth. Some communities, in order to attract players, choose to sell ownership as well—but they collect management fees long-term, which adds up to a significant amount of revenue over time.

Of course, it's very rare for a place like Wuwang City, where the Righteous Spirit Endures, to be allocated resources for free. This is because the Righteous Spirit Endures is truly wealthy. The mining rights to the spirit veins in the Righteous Spirit Alliance's cave world alone have almost turned this originally unremarkable little town into the richest town in the game. The reason it didn't become the "richest" is mainly because the Chang'an town has too many industries, and it simply can't compete with them in terms of collective income.

All of these collective incomes of the community will be taken out by the community leader, and a portion will be allocated to the members of the community, which is called "dividend".

After all, the community is built by everyone together, so it's impossible for him to monopolize it. Moreover, although the community leader is nominally the leader of the community, if he does something too unethical and there are too many dissatisfied people, everyone can apply to remove him from office. As long as the number of applicants exceeds 80%, and after review by the game administrator, the community leader will have to step down.

However, so far, there has been no news of any club president being overthrown by members, and the overall game atmosphere remains very harmonious.