"What'll happen to the lands if I have no money? Will they be seized because of taxes?" Harry asked having heard of repossession on the television before and having the basic premise explained by Vernon and Petunia.
"Not as such." Margok grunted. "The taxes on ancestral lands are fairly low, around a hundred Galleons a year for a property the size of the Potter estate."
"I see." Harry replied relieved, before frowning. He would have to find out some way to get some money coming into his family's vault. "I can do whatever I want with the money in my trust vault, is that correct?"
"It is." Margok stated clearly bored.
"Is the amount of gold in my trust vault a fixed amount or does it get periodically replenished?" Harry questioned trying to see if he could get to the money in the Potter family vault and use some of it to invest.
"The former, the trust vault is only refilled if its balance becomes zero." Margok informed.
"Could I move the contents of my trust vault to a new one, and repeat this until I have an appropriate amount of funds?" Harry asked his mind working to try and figure out his family's financial problem and fix it.
Margok sighed, while it wasn't all that hard to figure out this type of scheme, branch members of wealthy families thought of it often enough, it did show that the boy was trying to make plans for that money.
"There is a rather substantial fee applied to such services." Margok stated with a fanged smile.
"How much of a fee?" Harry asked suddenly suspicious.
"Twenty percent per transaction." Margok informed greed practically dripping from his tone.
"That's practically theft!" Harry gaped at the goblin.
"You could always wait until you are of age." Margok offered; smirking at the glare the young wizard was aiming at him. He may have been willing to go lower, but the young Potter seemed desperate enough for the money to agree to that exorbitant fee and Gringotts didn't do charity, especially not for wizards.
"I think I'll just leave the money where it is for now." Harry grimaced.
"If you're sure." Margok replied with his fanged smile, it was unfortunate that he wouldn't be making a profit off this meeting. But it showed the Potter boy was smart enough to bide his time when it came to his inheritance. Good money sense was a rare trait in a lot of wizards now days.
Hagrid's good mood was greatly appreciated when Harry came out of Gringotts. He got the feeling that Hagrid was a man of humbleness and was able to enjoy the simple things. Harry decided that he should probably learn to take a page from the large man's book and enjoy what he could with what he had. His financial situation may demand it until he reached seventeen. But Hagrid's good mood was infectious and it helped lift Harry's own mood since it wasn't exactly sunshine and daisies after his meeting with Margok.
Their first stop after Gringotts was Madam Malkin's Robes for all Occasions. Even after Hagrid's warning about people seeing his scar, Madam Malkin stayed professional, though it could be that she didn't notice the faint scar. It gave him hope that it wouldn't be as bad as Hagrid claimed. While waiting for the rest of his robes to be adjusted and then bagged up, Harry pulled out his Scouter and checked Madam Malkins' mana amount. Harry didn't know how to feel about the '3846' that appeared on the lens. It suggested that mana varied significantly from person to person. But while he waited he looked out the large window of the shop at all the Witches and Wizards moving about.
'Well, this is as good a chance as any to experiment a bit.' Harry thought with a small grin as he started scanning mana amounts from as many people as possible. He'd try and remember as many of them as he could to come up with the best average back at Privet Drive. '2270' from a wizard selling something out of a stand on the side of the alleyway, '5538' from a witch that looked to be wearing some type of uniform robe. A reading of '896' from a boy that looked to be two or three years older than Harry, '1820' was from the older witch leading the boy through the alley. '6708' came from another person wearing the uniform robe, an older wizard this time, '1350' from a witch that looked about the same age as the boy from earlier.
"Grab yer bag Harry. Still got more things ter buy." Hagrid called getting Harry to put his Scouter away and walk over to grab his bag of new robes. He came out of the robe shop in one of his new robes feeling a bit silly, but he did blend in now and he was sure he'd get use to wearing them with some time.
The trunk shop and apothecary were next, both of which passed without incident. Though Harry did spend a few extra Galleons on a trunk enchanted with a permanent 'Feather Light' Charm and an Expanded Interior that essentially quadrupled the amount of space inside. Pulling on the small handles inside the trunk literally pulled another trunk space out of what was basically thin air. Harry really wanted to figure out enchantments like this! So many possibilities were running through his head already! It was in the book shop that he once again cut into their shopping time getting a fond sigh out of Hagrid.
"Yer definitely yer mum's son alright; curious 'bout everything and wantin' to learn it all." Hagrid chuckled. "Always surprised everyone she wasn't a Ravenclaw."
"She was in Gryffindor, right?" Harry asked to confirm what Hagrid had told him on the trip to London.
"Aye, both yer parents were." Hagrid nodded.
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