I wanted to bring up the possibility of a new resource category--debt. It's been mentioned a few times in other posts, so I thought I'd start one here to flesh out the idea. Here's my first crack at a proposal. I think it would add a great new mechanic and would be potentially pretty easy to implement.
The idea is to make "Cash" it's own resource on the left rail along with the other resources. You could buy cash in $100 (up arrow click) or $1000 (shift+click) increments. Each time you buy cash, you get an amount of debt equal to the cash. The interest rate starts at 10%, but for every X amount bought/sold on the market it goes up/down by 1%, so eventually it gets to 5%, 15% or whatever as it gets bid up or down. Whenever an interest payment triggers, that payment is the prevailing rate (no long term debt in this game!) At the same time, you could use cash to "buy" debt. This would either erase your debt or make your debt go NEGATIVE where you'd earn the interest rate as a return at the same time as interest payments trigger.
I like this because it wraps into mechanics the game already has, like interest payments every X seconds, buying/selling raising/lowering resource prices, etc.
What do y'all think?
Neat concept... I don't think it would work out at all like you write out there, but I could see some sort of bank loan system, where one player could decide he would attempt to play the role of "the bank". Lot of fun stuff, there in currency wars, and bonds, and debt, and loans, and fractional reserves, and such which could make for interesting (haha pun) game play element.
Id look forward to seeing it in an expansion pack, perhaps.
I really like this idea. Especially the idea of buying an opponents debt and getting their interest. However, pro players just seem to ignore debt for the most part so they would really have to make debt more relevant to the game at large and not just the stock price.Unless, the loans have a repayment trigger, or a maximum time allowed before being repaid. This would force players to manage loans and payments and even allow for selling bonds to other players.
It would make debt more consequential because if everyone racked up debt, then interest rates would skyrocket and the charges would start to become really costly. At the same time, people with more cash/less debt would make more money. It would definitely open up a more mid-game oriented strategy--say, primary resources then lending--instead of just debt-finance offworld trading.
I like this idea. It gives you a good way to generate income. It also starts making Debt a risk factor, because ultimately you could be sending your competition money eventually.
I know it's your first stab at this. Again I do like it, but I'm going to poke a hole in it. I'm doing this because I would like to see it make it into the game.
I buy cash. Then purchase stock, and win the game in two minutes.
See the problem is where does the initial pool come from? If it's not a quantity that's available from the game, like how you can buy steel all willy-nilly, then Someone has to buy into that. The chances are that if you're the person with the cash, you've probably got other plans for it. Now As a player and real life if you put it into a bond or other asset, suddenly it's not liquid. I've bought someone else's debt, right? Unless you sell the debt to someone else you can't get it back right away if you need it. You must wait for it to be repaid right? Or are we assuming those that bought into the debt will get paid dividends from interests payments?
There should be a threshold of debt that your company can carry on it's, proportional to the total value. if you exceed this ratio it should send your stock price tumbling. That's what happens in the real world. Anything beyond that someone has to buy that "new" debt. There needs to be a payoff period, and they can take it in stock or possibly in resources. Say the most expensive/necessary ones first.
So here's my first stab at a counter. Hopefully, this will get your brain surging onto a better idea to limit this than mine.
I really do like this idea, but we also have an issue with time. These games are supposed to be over in 30 minutes or so. That's the goal at least. So you would have to pay it back in say 5 minutes or something, and you may not be able to do that.
Mow that I think I like the idea of say people or the lender getting stock in your company. You could potentially loose and get bought out by carrying too much debt, so the computer takes over your company and instead of the buy out notice, you have to sit there and watch all of your claims and debt be auctioned off at a fraction of the price.
Yeah, I like your requirement of being under a debt/net assets ratio limit in order to buy cash. Otherwise yeah, it would just be "leveraged buyout trading company." You could buy cash up to that limit, and then have auto-debt increase because you need essentials like food and power, but you couldn't purchase cash at that point.
The limitation of "only so much cash in the game" is something that needs to be thought about too. But money isn't necessarily a closed system in the game either. Hackers, off world trading, etc can infuse cash into the game. It would need some balancing, but the mechanisms seem to already be there in the game to add/subtract money.
Anyway, I think the inherent tension between buying/selling cash causing interest rates to rise/fall, and then having those interest rates serve as cash flows or additional payments for debt would work pretty well. Any issue with this mechanic?
Cash/debt management is one of the first things I brought up after playing my first few games. I also suggested that interest rates should go up the higher your level of debt is and that players should be able to buy that debt to earn interest.
Right now this is an excellent game and honestly if no changes are made at all I won't be too disappointed but having more ways to use debt/cash as a weapon would be a great thing and the current way that stock buying and debt work have a couple of game mechanics systems problems that I see:
Here's how I would change debt:
Here's how I'd change stocks, mostly aimed at more counter play defencive options and more reason to trade in your own stock:
So the start of the game do you want to "rush" by selling off your shares and bonds and start with more cash? (but driving your stock to $1 and risk being bought out at teir 2) or worse risk giving away a huge chunk of your revenue in the form of dividends, are you weakly in the lead but don't want to target someone for fear of being dog piled on, then buy your own stock (increasing your profits because your paying out fewer dividends) buy other peoples debt to earn interest and protect against someone rushing buying you out, this is a non aggressive way of strengthening a lead, spread out and buy a few peoples stock, thus reaping some of their dividends.
Anywho this turned into way more of a wall of text than I thought it would I think I'll stop there
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