This sort of research rate I almost never get, rather my research rate particularly earlier on is quite low, sometimes zero percent for a while during a period where I expand cities quickly in number. I consolidate later, but early on I like more cities = more hammers = more units for war or for buildings. A mint would be a great building in these circumstances.In almost all sitiuations you want to keep the research rate as high as possible. Now if you run 80 or 90 percent research, thatīs 10% bonus on 10 or 20 percent of your overall GNP - besides maybe for a massively cottaged capital thatīs basically nothing, an insignificant amount at least.







from Gems, Gold, Silver
. Saving money on 100% wealth to maximize bonuses if anytime is effective with markets, grocers and banks build. Those together though give a bonus of +100% 
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. Quick expansion is definitely the way to go in civ4 in most games. When you overexpand like you describe or at least come close to doing so, you are not exactly working tons of cottages in those newly founded cities. 10% on 4 or 5 (thatīs almost optimistic!) gold is nothing. Donīt get me wrong: Grabbing lots of land, making use of an builder traits like Expansive or Imperialistic is common practice and the way to go, BUT!
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