[OOC] Guardsmith's The Draminov Cases (full)

[Guardsmith]

[sblock=Rhun]OK. Everything appears to be in order now. Thanks, Rhun.[/sblock]

[sblock=Salthorae]OK, looks good. Nothing else from me at the moment. [/sblock]

[sblock=Insight]It's fine if you want to put the spare mags in the daypack.

Regarding the Wealth rolls, I would prefer it if you re-rolled, especially if you're considering modifying your purchases. JSYK, most people I've seen Take 20 on all their purchases during character creation so they don't have to deal with the randomness of a d20 roll.

Once that's done and we've sorted out the Talent issue, everything should be cool. [/sblock]

[sblock=Jemal]OK, it all makes sense now. You just need to purchase equipment and you should be done.[/sblock]

[sblock=Mista Collins]I haven't had a chance to review Carl in detail, but I should be able to do so tonight.[/sblock]

 

[Jemal]

I found the following under the Lifestyles table:

Car Rental Prices

Economy Car DC 6​

Mid-size or truck DC 8​

Luxury DC 10​

Yeah, but those are "per day rentals", not the 'lease to own' or monthly payments options most car places offer.

 

[Salthorae]

Yeah, but those are "per day rentals", not the 'lease to own' or monthly payments options most car places offer.

I'd say that then means they are "more" than the lease/monthly payments on an owned car. Usually car rentals run anywhere from $25-$250/day depending on the car. Figure a $25/day for an economy car, that would be $750/month (yikes!)

Most monthly payments (whether lease or owned), run from $350 (with good credit), so you'd be paying like $11/day for that car.

Admittedly, I've never bought a (*isert annoucer voice*)NEW CARTM, but my roomie bought a Scion TC for $19k, and has horrible credit and paid almost $500/month (still only about $16/day)...

 

[Insight]

I'd say that then means they are "more" than the lease/monthly payments on an owned car. Usually car rentals run anywhere from $40-$250/day depending on the car. Figure a $40/day for an economy car, that would be $1200/month (yikes!)

Most monthly payments (whether lease or owned), run from $350 (with good credit), so you'd be paying like $11/day for that car.

Admittedly, I've never bought a (*isert annoucer voice*)NEW CARTM, but my roomie bought a Scion TC for $19k, and has horrible credit and paid almost $500/month (still only about $16/day)...

I already addressed this issue, as does the D20 Modern book. Rent, car payments, insurance, student loan payments, etc, are all built into the wealth system. It is assumed that you have these things. Recurring payments are not deducted from your Wealth score. If you want to buy a car with cash, the prices are right there in the book (as are prices to buy a house, a boat, etc).

 

[Salthorae]

I already addressed this issue, as does the D20 Modern book. Rent, car payments, insurance, student loan payments, etc, are all built into the wealth system. It is assumed that you have these things. Recurring payments are not deducted from your Wealth score. If you want to buy a car with cash, the prices are right there in the book (as are prices to buy a house, a boat, etc).

Interesting point Insight I don't actually own the d20m book, I'm using the MSRD, which doesn't talk about things like that.

How does one determine what you can afford to rent/lease though? Can a +0 wealth bonus rent an Escalade? Lease/mortage a 4 bedroom house?

Is it just GM allowance as to what is appropriate to a wealth level?

 

[Rhun]

How does one determine what you can afford to rent/lease though? Can a +0 wealth bonus rent an Escalade? Lease/mortage a 4 bedroom house?

Is it just GM allowance as to what is appropriate to a wealth level?

Remember, even a Millionaire can have a wealth level of 0 in d20 Modern. All that means is that at the current time, you have absolutely no buying power. The system is quite abstract.

 

[Salthorae]

Remember, even a Millionaire can have a wealth level of 0 in d20 Modern. All that means is that at the current time, you have absolutely no buying power. The system is quite abstract.

So it would seem :\

 

[Insight]

Interesting point Insight I don't actually own the d20m book, I'm using the MSRD, which doesn't talk about things like that.

How does one determine what you can afford to rent/lease though? Can a +0 wealth bonus rent an Escalade? Lease/mortage a 4 bedroom house?

Is it just GM allowance as to what is appropriate to a wealth level?

Short term stuff that's not part of your normal expenses is subtracted from Wealth, so you could not rent a hotel room or a car if your Wealth bonus was 0. You could very easily have a nice house, car, trophy wife, mistress, etc, and be in debt up to your eyeballs, with a Wealth of +0. It represents that you have no buying power because all of your available cash is spoken for.

The GM should take into consideration other factors to determine the nature of the character's current expenses, and what he is paying for. I would rule that if you started with a Wealth of say +13, you could very well have a 4 bedroom house in a nice affluent suburb and maybe 1 or 2 cars, maybe a boat too. But none of it is yours. It is all owned by your creditors, and if you don't keep up payments (or otherwise violate the terms of your rental agreements, leases), you could lose them.

 

[Guardsmith]

Wealth and the Wealth Bonus

These two excerpts from the book might help:

- from CR pg 92 "Lifestyle"

"What sort of lifestyle does your character live? Does he drive an exotic car and own a speedboat, throwing lavish parties and flying off to Rio for the weekend? Or does he subsist on microwave pizza in a one-room apartment? That question is answered, in part, by the objects you own and your current Wealth bonus.

"A character with a mid-range Wealth bonus (say, +7) can generally afford items costing around $50 without his Wealth bonus going down. Such a character can afford a meal at a good restaurant, a ticket to a basketball game, or a new computer game pretty much any time he wants. More expensive lifestyle options are always available, but only at the cost of driving his Wealth bonus down - so he can't really live beyond his means for long. Of course, if he already owns a Ferrari, having a lower Wealth bonus does not mean he has to give it up. He still drives an expensive car - he just can't currently afford to do all the other things people associate with that kind of life.

"A poorer character - with, say, a current Wealth bonus of +4, can generally afford a $20 expense without reducing his Wealth bonus. A night at the movies might be a routine entertainment, but he can't regularly afford anything more expensive. Rich characters, those with Wealth bonuses of +15 or higher, can easily drop about $500 at a time, meaning that they will fly first class more often than not."

- from CR pg. 93 "Rent or Own?"

"The rules of Wealth don't say anything about paying rent or having a mortgage. That's because such day-to-day expenses as a home, utility bills and groceries are already built into the Wealth system - your Wealth bonus reflects your buying power after paying for such basics.

"Since the cost of rent is already built into your Wealth bonus, why should any character want to waste Wealth checks on something as expenseive as a home? The answer in game terms is the same as in the real world: When you own your own home, you aren't subject to someone else's rules on how to use it. Want to build a secret lab in your garage? That's kind of difficult in an apartment building - but you can probably do it if you own a house.

"To buy a house, you only have to make a Wealth check for the down payment (that's what the Purchase DC in the Housing section of Table 4-10 represents). You don't have to worry about the monthly mortgage payment, just as a renter doesn't have to worry about the rent."

 

[Jemal]

Allright, keeping that in mind I'm gonna go finalize my character's starting equipment.