"I'd like to make a withdrawal, please."
The goblin didn't bother looking up. "Name and vault?"
"Harry Potter. My vault number is... um... 687. Here's the key."
"Would you like to visit your vault or shall I make the withdrawal for you, Mr. Potter?"
Harry looked back at the Grangers. He remembered how uncomfortable the Weasleys were when they saw his vault, which was stacked with Galleons. Then again, the Grangers were both dentists, and were pretty well-off, but he wasn't trying to flaunt his wealth to them. He just needed a modest amount of money to get some books. "We'll wait here. I only need about fifty Galleons or so for today."
"Very well, Mr. Potter." The goblin took his key, and quickly left for the mine-carts. As he was watching the goblin hurry away, Harry got the feeling that he was being stared at. He turned around slowly. Hermione's parents were gaping at him.
"Harry, dear," Emma said slowly, with a look of concern on her face. "You did just withdraw fifty Galleons, didn't you? Not Sickles?"
Harry nodded. "Um... did I do something wrong?"
Emma hesitated. "Well, Harry, remember what I said about finances? How you should look after your money and make sure you don't spend too much of it too quickly?"
Harry nodded again. "Er... yes... I'm not taking too much out, am I? I've still got a lot more in my vault. I just wanted to make sure we had enough so we wouldn't have to come back again when we bought our books. I've never really learned much about money, but I'm careful to make sure I don't run out any time soon."
Emma stared at him. He seemed sincere about what he said. Turning back to her husband, she whispered to him, "What was the exchange rate again, Dan?"
Dan, still looking at Harry, said, "Just over 100 pounds to the galleon, I think. Did that kid just withdraw £ 5000 for textbooks?"
"He did say he knew he had a lot more. He didn't consider it very much money." Turning back to Harry, Emma said, "Harry, when that goblin gets back, perhaps you should ask him for a bank record? Perhaps a statement of your current accounts?"
Harry nodded. Clearly Hermione's parents were agitated by his actions, and he didn't want to do anything to upset them. After a few more minutes, the goblin returned with a sack of gold.
"Here you are, Mr. Potter. Is there anything else I can do for you today?"
"Err... yes, I'd like a statement of my current holdings."
"Very well, Mr. Potter. There is a transaction fee of one sickle for written copy of your current vault holdings, verified and authenticated by Gringotts of London. I'll need a drop of your blood."
"Yes, that will be fine," Harry replied. The goblin pricked his finger with a small needle and held it there until it turned bright red. When he withdrew the needle, Harry's finger didn't bleed. Two minutes later the goblin with two scrolls of parchment. Thanking the goblin, which elicited a small look of surprise, Harry and the Grangers sat down in the lobby. He unrolled the first parchment.
Vault 687: Potter Trust Vault
Restrictions: Each child of the main branch may not withdraw more than 20% of the Vault's total holdings or 500 Galleons per year, whichever is lesser. Any withdrawal over 50 Galleons must be approved by the current head of house or family treasurer. Children of secondary branches must be approved by the current head of house to access the trust fund.
Current Balance: 40,246 Galleons, 13 Sickles, 20 Knuts
Interest: Variable based on Gringotts Investments, Cautious growth.
Recent transactions
Withdrawal: 1 Sickle
Withdrawal: 50 Galleons, 2 Knuts [Transaction fee: 2 Knuts]
Deposit: 169 Galleons, 14 Sickles, 2 Knuts [Interest]
Deposit: 167 Galleons, 16 Sickles, 4 Knuts [Interest]
Deposit: 166 Galleons, 8 Sickles, 19 Knuts [Interest]
All the Grangers gaped. Hermione was staring at the statement. Doing some quick addition in her head, she said to Harry in awe, "You're earning about 2,000 Galleons a year on your account in interest alone, Harry."
Harry looked back at her. "Um... wait... so that means withdrawing 50 galleons isn't a problem, right?"
Emma was rubbing her temples, while Dan was still staring at the statement mumbling to himself. "Harry... well, I have to agree that's not an issue any more. Maybe we should talk about your finances later, when we get home, alright?"
Harry looked up at her and said, "Alright, Mrs. Granger. Thanks for taking the time to teach me these things. I never really had a chance to learn it from anyone. I just want to see what's written on this second scroll before we go." He unfurled the other scroll.
Vault 39: Potter Family Vault
Restrictions: May only be accessed by Head of House Potter when he is of age.
Current Balance: 4,163,846 Galleons, 11 Sickles, 10 Knuts
Interest: Variable based on Gringotts Investments, Aggressive growth
Recent transactions
Deposit: 37,760 Galleons, 4 Sickles, 22 Knuts [Interest]
Deposit: 25,246 Galleons, 2 Sickles, 3 Knuts [Interest]
Depost: 40,465 Galleons, 10 Sickles, 6 Knuts [Interest]
The list continued. Emma nearly fainted. Dan suddenly seemed to be looking at him with greater approval. Hermione was hyperventilating. "Four... maybe five hundred thousand Galleons in interest per year... Oh my god, Harry, I had no idea you were this rich."
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