06-11-2021, 11:06 AM | #31 | |
Join Date: Mar 2006
Location: Iceland*
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Re: Independent Income at later TL stages
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Assume that the GURPS value of starting Wealth is what you'd get if you needed to liquidate your assets that same day. If a character has more time than that and is okay with selling their Wealth off, I'd allow significantly more liquid capital to be realized in months or years of work, but after that, the character would have a lower point value and lower Wealth.
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06-11-2021, 12:35 PM | #32 |
Join Date: Feb 2005
Location: Berkeley, CA
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Re: Independent Income at later TL stages
Yeah, II is more like an endowment or trust. It may well be backed by stock, but those details are mostly irrelevant to the recipient.
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06-11-2021, 01:11 PM | #33 |
Join Date: Jun 2013
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Re: Independent Income at later TL stages
Apologies if this has been brought up, but isn't [20] in Independent Income the maximum? Given that II can come from a variety of sources - investments (as noted), royalties (what the initial wealth was created from in the backstory), tribute (it's not an inappropriate trait for a Medieval lord, and some cyberpunk elites function similarly), gifts (including trust funds that make some portion available at regular intervals), more direct investments (like owning a company but having it managed all internally while you rake in some of the profits *coughBruceWaynecough*), etc - it seems like the maximum level available would combine a lot of these sources. So maybe the character doesn't have a ridiculous amount of money in the stock market and isn't getting suspiciously-high returns, but rather has a lot of other sources in play that similarly don't require input from the character.
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06-11-2021, 01:45 PM | #34 | |
Join Date: Aug 2018
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Re: Independent Income at later TL stages
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Like you can't access your wealthiness and benefit from independent income simultaneously? Wealth seems more about "the money I can make at a job" moreso than "the money I possess" though. The status of your wealth trait (disadvantage or advantage) determines your starting assets but doesn't seem to guarantee that you would actually KEEP those assets. For that reason I'm actually thinking maybe starting wealth should be paid for separately, kind of like how you can trade points for money while in play which doesn't affect your actual wealth traits. Given that the value of Innate Attack doesn't seem to vary based on TL of the setting (even though it's probably a lot more of a gamechanger at TL0 vs TL9) another fun approach might be to give wealthiness and income fixed costs regardless of TL and force people who want the higher incomes expected of higher TLs to pay for them. OTOH if you are jumping dimensions/times and can't access your job, such income isn't entirely useful. Maybe if Independent Income can't be accessed in other worlds/times there would be an accessibility limitation? If cash on hand has point value (which one might perceive it has having if you buy it with CP) but is useless in some places (a $100 bill is as useful as a $1 bill for kindling in the stone age) then it might have some kind of limitation too? |
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06-11-2021, 02:15 PM | #35 |
Join Date: Feb 2005
Location: Berkeley, CA
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Re: Independent Income at later TL stages
There's no sensible reason to take more than [10], after that just buy up Wealth.
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06-11-2021, 02:43 PM | #36 |
Join Date: Apr 2005
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Re: Independent Income at later TL stages
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06-11-2021, 02:59 PM | #37 | |
Join Date: Apr 2005
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Re: Independent Income at later TL stages
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On a more realistic basis, this idea can be applied to modern characters who are technically worth millions or billions but whose actual income might be considerably less. For example, if you're a retiree who did everything right and have a great investment portfolio, you might be worth millions of dollars, but effectively only have an Average or Comfortable level of Wealth because you can only draw on dividends rather than dipping into capital. "Untouchable Capital" might be a leveled Perk which gives benefits similar to Courtesy Rank, but only for purposes of how creditworthy you are. |
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06-11-2021, 11:55 PM | #38 | |
On Notice
Join Date: Aug 2004
Location: Sumter, SC
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Re: Independent Income at later TL stages
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*Independent Income is "Your monthly income is 1% of your starting wealth (adjusted for wealth level) per level of this trait, to a maximum of 20%." B26 *TL 9's monthly income is $30.000 *Multimillionaire (50+25/level) is a 100*10 per level times starting welath The adjusted starting wealth of TL 9 with Multimillionaire 3 is $30.000 *100*10^3 or $30.000 * 100,000 which is $3,000,000,000. 20% of that is $3,000,000,000 * 0.20 or $600,000,000 per month. As you say this is "unrelated to how much money you have" but the above is firmly linked to adjusted starting wealth. So Hal's question is a valid one as I doubt all of this independent income is "real" (ie they are rich on paper)
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06-12-2021, 01:36 AM | #39 | ||
Join Date: Aug 2004
Location: Wellington, NZ
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Re: Independent Income at later TL stages
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Quote:
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Rupert Boleyn "A pessimist is an optimist with a sense of history." Last edited by Rupert; 06-12-2021 at 03:35 PM. |
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06-12-2021, 01:41 AM | #40 |
Join Date: Aug 2004
Location: Wellington, NZ
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Re: Independent Income at later TL stages
The synergistic way II and Wealth interact definitely has problems. Just about everything to do with GURPS' rules on income, living expenses, and wealth past "pay X points for Y starting cash" have problems.
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