Ok, finished now with AngelicBlade's char. He has two magic forges which give him +20 craft weaponsmithing and armorsmithing, has ring of sustenance (so he doubles per day result for crafting his armor and weapons before taking -10 or -20 for his craft checks). Also added bag of holding for storage utility and spend +6K for his workshop plus a one employee who can do aid another craft check for his products (so his total mod is +30).http://www.myth-weavers.com/sheetview.php?sheetid=332156
Anyways I will open the brand new recruit thread where there in first posts all charsheets (done or under process) are placed along with matron mothers house/follower info.
What comes to matron mothers running the business I use DMG II pg180 formula for it. As said each matron mother has one major business and two lesser ones. The given gold numbers for major one is multiplied by 1,000 (so 50gp = 50,000gp per profit check). While two secondary checks are multiplied by 100 (50gp = 5,000gp). This is your monthly income which is rolled once and it uses modifiers as shown in that section.
However some matron mothers formulas may not fit to any existing business modules so I build them for them. Example Lird'yl has high risk business module so we roll two business events per month and gold gain is based on that (blackmail, information gathering and selling are highly risky which can backfire badlym, gold lost can be ressurection services from church or fines to appease offended house who succeed outplay one your agents and so on).
But as note matron mothers do not need pay the cost establish the business; all matron mothers business have been established a good while ago. But they can freely establish further businesses if they so wish (and could be very smart thing to do as it increases house income).
But note; if you fail profit check going under 25, then you loose lots of gold too. So if somereason there is bad event in major business and your check does not hit 25 mark, your accounts go to minus side quite badly (as per point decreases your gold by -50,000gp, so making 20 check = -250,000gp from house gold). As note the main skill check for any business you take 10 (you cannot take 20). Also matron mothers should use their cohorts or PC's as helpful experts in business if possible.
But also these business events give a flowing chart where to draw adventures, events where PC's can be involved and it also matters personally to them as if matron looses gold then guess to whom's pockets she takes it first