06-16-2021, 05:31 PM | #251 | ||
Join Date: Aug 2004
Location: Wellington, NZ
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Re: Independent Income at later TL stages
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Rupert Boleyn "A pessimist is an optimist with a sense of history." |
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06-16-2021, 06:46 PM | #252 |
Join Date: Aug 2014
Location: Snoopy's basement
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Re: Independent Income at later TL stages
Trading points for cash is basically punitive. For whatever reason, it seems the designers wanted it to be something no-one in their right mind would want to do. Somewhere on the forum ( I will try to find it) is a much better model for it that assigns a money/point value based on present value calculations and the anticipated length of the campaign.
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06-16-2021, 06:53 PM | #253 | |
Join Date: Feb 2005
Location: Berkeley, CA
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Re: Independent Income at later TL stages
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06-16-2021, 11:18 PM | #254 |
Join Date: Aug 2004
Location: Wellington, NZ
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Re: Independent Income at later TL stages
Well, if you're of Average Wealth. II scales with Wealth, Points for Cash does not, so its value rises rapidly for high Wealth characters.
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Rupert Boleyn "A pessimist is an optimist with a sense of history." |
06-16-2021, 11:25 PM | #255 |
Join Date: Feb 2005
Location: Berkeley, CA
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Re: Independent Income at later TL stages
Oh, I failed to notice that stupidity.
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06-17-2021, 12:28 AM | #256 |
Join Date: Jan 2006
Location: Central Europe
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Re: Independent Income at later TL stages
That really really depends. In many societies, people spend their young adulthood gathering resources to get married (high savings rate), then marry and have children (low or negative savings rate) and then have further fluctuations. In Anglo countries today, it is often people over 50 who have a lot of disposable income. Someone of Average wealth with no dependents should have a significant amount of disposable income.
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"It is easier to banish a habit of thought than a piece of knowledge." H. Beam Piper This forum got less aggravating when I started using the ignore feature |
06-17-2021, 06:03 AM | #257 |
Join Date: Aug 2014
Location: Snoopy's basement
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Re: Independent Income at later TL stages
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06-17-2021, 07:21 AM | #258 |
Join Date: Jun 2013
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Re: Independent Income at later TL stages
I believe it's meant to allow Dead Broke characters and the like to start play with some gear. Essentially, Points for Cash is more an option for characters below Average Wealth; it has some limited utility for those with Average Wealth, but is largely useless beyond that (for Comfortable, the same points in II would match it in only 5 months, for Wealthy in two months, and for anything higher you exceed Points for Cash with the first II payout - although the GM may not have that happen until a full month has passed in-game, making Points for Cash's poor exchange rate essentially an "immediate gratification tax"). As I said before, however, I'm not a fan of Points for Cash; I'm currently considering an option that would let characters start with additional funds but being in debt (not as a Disadvantage, but actually having what amounts to a monetary loan that has interest and needs to be paid off), but will probably start a new thread for that once I have a jumping-off point.
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GURPS Overhaul |
06-17-2021, 10:09 AM | #259 |
Join Date: Feb 2005
Location: Berkeley, CA
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Re: Independent Income at later TL stages
I'm sure there are. Trading points for cash wouldn't be a very good deal even if it scaled with wealth level, it would just never be a good deal instead of being a way to get points for low wealth without suffering any penalties (depending on campaign details).
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08-11-2023, 04:57 AM | #260 | ||
Wielder of Smart Pants
Join Date: Aug 2004
Location: Ventura CA
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Re: Independent Income at later TL stages
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Notably though, if you have Independent Income and liquidate your assets to become a nomadic character, you don't lose II, so it's separate. Having II that depends on paying CoL for your Status probably should get a limitation to reflect this. |
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Tags |
cyberpunk, independent income |
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