Stock Market Feature with Stock Purchases

[Scrapper]

I propose adding a basic stock market system to the server where players can purchase shares in fictional companies and earn periodic dividends based on the company’s performance. This feature would be straightforward and easy to use, enhancing the server’s economy without the complexity of trading.

How It Works:

1. Stock Listings: A set of fictional companies ( entertainment, tech, real estate) would be available, each with a fixed number of shares to buy.
2. Price Stability: Stock prices would be static or adjusted periodically by the server admin based on predetermined in-game events.
3. Dividends: Players earn regular payouts (weekly or monthly) based on the shares they own and the company’s performance.
4. Simple Interface: Purchases would be made via an in-game app or NPC-operated stock exchange.

Pros for Players:

• Passive Income: Allows players to earn dividends on their investments, adding a new way to build wealth over time.
• Immersion: Encourages financial planning and roleplay as investors or corporate stakeholders.
• No Complexity: With no trading involved, the system is simple and accessible to all players.
• Engagement: Players remain engaged with the server as they monitor dividend payouts and decide where to invest.

Cons to Consider:

• Limited Interaction: Without trading, the system may feel static to some players.
• Economic Imbalance: Wealthier players might dominate stock purchases without proper safeguards.
• Development Effort: Initial setup of the system may require time and resources.

Suggestions to Address the Cons:

 

• Set a purchase limit per player to prevent monopolization.
• Introduce a buy-in price that scales with player earnings to maintain balance.
• Allow periodic adjustments to stock availability to keep the system dynamic.

 

- Adding a stock market focused solely on buying shares and earning dividends is a great way to enrich the server’s economy with minimal complexity. This system will provide players with new roleplay opportunities and a steady income stream, enhancing their overall experience. By starting with this simplified model, we can later expand the feature based on player feedback.

Edited November 21, 2024 by Scrapper

[Ritchie Stones]

So. This looks similar than the bitcoin suggestion 3 years ago. The server doesnt want people to print free money,

 

however i thought myself it would be lucrative to have a few stock going on,

randomly going up and down with AI not even based on any fact for people to put in money when low and pull out when higher, diversifying portfolios, bust for people with money who are bored and have patience, it would be cool for people to have a side passive thing going on jumping on oppertunity, the fact that it would be random with AI could make it  lt very hard to implement,

but i doubt this wil ever be a thing 

[Diligo]

I doubt that people will agree with me but being broke or losing money to the point i cant even buy food is the roleplay I am here for.
1000$ per hour for anyone who doesnt have a lot of money is more than enough to save players from hunger IC but also forces them to work if they want a simple change of clothes.

Though if this gets implemented I can see crims abusing this to save their money if they ever get brutally raided or caught in heinous crimes by LEOs. Which of course results in serious fines adjusted to their net-worth and also possible property seizure.
So if this gets implemented then every time an individual is caught being a criminal but also has stocks in their property consider the stocks as a property and therefore confiscate them.

Real talk here.

[Ritchie Stones]

9 minutes ago, Nikolia said:

I doubt that people will agree with me but being broke or losing money to the point i cant even buy food is the roleplay I am here for.
1000$ per hour for anyone who doesnt have a lot of money is more than enough to save players from hunger IC but also forces them to work if they want a simple change of clothes.

Though if this gets implemented I can see crims abusing this to save their money if they ever get brutally raided or caught in heinous crimes by LEOs. Which of course results in serious fines adjusted to their net-worth and also possible property seizure.
So if this gets implemented then every time an individual is caught being a criminal but also has stocks in their property consider the stocks as a property and therefore confiscate them.

Real talk here.

You cant seize stocks forcefully, you can only tax them on their profit when they cashing in, stocks is a liquid form of money and thus this is why its so hzrd to get taxed on it because… when will you tax them when its high or low? Or middle you cant even tell, when it comes to fines it should be towards what they actualy own

because a stock you dont actualy own, untill you own them by cashing out. Thats why its so hard to tax the rich, because they put it all in a liquid pool and pull out when they need cash for owned investments 

[Diligo]

1 minute ago, Ritchie Stones said:

You cant seize stocks forcefully, you can only tax them on their profit when they cashing in, stocks is a liquid form of money and thus this is why its so hzrd to get taxed on it because… when will you tax them when its high or low? Or middle you cant even tell, when it comes to fines it should be towards what they actualy own

because a stock you dont actualy own, untill you own them by cashing out. Thats why its so hard to tax the rich, because they put it all in a liquid pool and pull out when they need cash for owned investments 

Well this seems like a big buff to criminals if they can legally store money without any repercussions or possible threats of property seizure..

oh wait, we already have that! Homes and vehicles. 
IRL dont remember criminals keeping their homes or vehicles or businesses after they got convicted only if those properties were under a different name(a legal one, maybe even family member) which people also do in this server - they give cars and homes to their friends who play legally or at least avoid LEOs at all costs just so they have properties. (I am talking about fully roleplaying writing properties under legal friend names, not RWT+MetaGaming)

[Scrapper]

37 minutes ago, Nikolia said:

I doubt that people will agree with me but being broke or losing money to the point i cant even buy food is the roleplay I am here for.
1000$ per hour for anyone who doesnt have a lot of money is more than enough to save players from hunger IC but also forces them to work if they want a simple change of clothes.

Though if this gets implemented I can see crims abusing this to save their money if they ever get brutally raided or caught in heinous crimes by LEOs. Which of course results in serious fines adjusted to their net-worth and also possible property seizure.
So if this gets implemented then every time an individual is caught being a criminal but also has stocks in their property consider the stocks as a property and therefore confiscate them.

Real talk here.

To prevent abuse, stocks can be treated as property and confiscated during criminal investigations. Dividends can be modest, and stocks could have a lock-in period to avoid quick liquidations. This ensures balance while adding depth to the server economy without undermining the struggle many enjoy

Edited November 21, 2024 by Scrapper

[Scrapper]

25 minutes ago, Ritchie Stones said:

You cant seize stocks forcefully, you can only tax them on their profit when they cashing in, stocks is a liquid form of money and thus this is why its so hzrd to get taxed on it because… when will you tax them when its high or low? Or middle you cant even tell, when it comes to fines it should be towards what they actualy own

because a stock you dont actualy own, untill you own them by cashing out. Thats why its so hard to tax the rich, because they put it all in a liquid pool and pull out when they need cash for owned investments 

absolutely right that stocks aren't 'owned' in the same way as physical assets or properties. Instead of seizing stocks directly, fines could be based on a player’s total wealth, including their stock holdings’ current value. This value could be calculated periodically or at the time of a fine to ensure fairness. For taxes, they could only apply to profits realized when players cash out their dividends or sell their shares. This keeps it realistic while ensuring accountability in the server economy.

[Scrapper]

47 minutes ago, Ritchie Stones said:

So. This looks similar than the bitcoin suggestion 3 years ago. The server doesnt want people to print free money,

 

however i thought myself it would be lucrative to have a few stock going on,

randomly going up and down with AI not even based on any fact for people to put in money when low and pull out when higher, diversifying portfolios, bust for people with money who are bored and have patience, it would be cool for people to have a side passive thing going on jumping on oppertunity, the fact that it would be random with AI could make it  lt very hard to implement,

but i doubt this wil ever be a thing 

A random AI-driven system could make the feature unpredictable and engaging, appealing to those who enjoy risk and strategy to avoid it becoming 'free money,' payouts or stock value increases could be capped, and dividends could remain modest. This ensures it’s more of a fun side activity rather than a primary income source. While it might be hard to implement, even a simplified version could add depth for players who want something passive yet interactive.

Edited November 21, 2024 by Scrapper

[Ritchie Stones]

2 hours ago, Scrapper said:

absolutely right that stocks aren't 'owned' in the same way as physical assets or properties. Instead of seizing stocks directly, fines could be based on a player’s total wealth, including their stock holdings’ current value. This value could be calculated periodically or at the time of a fine to ensure fairness. For taxes, they could only apply to profits realized when players cash out their dividends or sell their shares. This keeps it realistic while ensuring accountability in the server economy.

Well what is the point of becoming rich if my fines are based of my total wealth, might aswell stay broke and pay a 30 dollar fine, instead of grinding myself

3 000 000 And pay way more.. Makes no point, also if your fines are based off your stocks, then what is the point of investing that massive risk when the punishment is even more harsh for winning something.

what if you are fined based of today and tomorrow your stocks drop 50% thats a double L

the reason rich people dont pay taxes to their total wealth is because they have most of it in stocks that go up and down all the time, and they only pay tax when they take out, when they need some, they dont own anything.. so you cant calculate their worth 

[Scrapper]

1 hour ago, Ritchie Stones said:

Well what is the point of becoming rich if my fines are based of my total wealth, might aswell stay broke and pay a 30 dollar fine, instead of grinding myself

3 000 000 And pay way more.. Makes no point, also if your fines are based off your stocks, then what is the point of investing that massive risk when the punishment is even more harsh for winning something.

what if you are fined based of today and tomorrow your stocks drop 50% thats a double L

the reason rich people dont pay taxes to their total wealth is because they have most of it in stocks that go up and down all the time, and they only pay tax when they take out, when they need some, they dont own anything.. so you cant calculate their worth 

you're right that basing fines on fluctuating stock values could discourage people from investing. To keep it fair, fines should focus solely on liquid assets and tangible property, not unrealized stock holdings. Stocks could remain untaxed and untouched until cashed out, aligning with how it works in real life. This way, investing in stocks remains a viable option without penalizing success or discouraging players from engaging with the system. It also avoids punishing players for market volatility, keeping it balanced and fun.

[Diligo]

1 hour ago, Ritchie Stones said:

Well what is the point of becoming rich if my fines are based of my total wealth, might aswell stay broke and pay a 30 dollar fine, instead of grinding myself

3 000 000 And pay way more.. Makes no point, also if your fines are based off your stocks, then what is the point of investing that massive risk when the punishment is even more harsh for winning something.

what if you are fined based of today and tomorrow your stocks drop 50% thats a double L

the reason rich people dont pay taxes to their total wealth is because they have most of it in stocks that go up and down all the time, and they only pay tax when they take out, when they need some, they dont own anything.. so you cant calculate their worth 

Well I agree with you but this is how this server been running and staying up.
Crim players have chosen their path. If you want to be legal, and do stocks and own businesses then you will have to choose a different path.
The fines are based on the liquid money you already have and the crimes you have committed. You can observe that when you go to DOC or when you receive the hourly Stimulus check.

Would love other Civilian players put their thoughts on this and share them.

[Ritchie Stones]

17 hours ago, Nikolia said:

Well I agree with you but this is how this server been running and staying up.
Crim players have chosen their path. If you want to be legal, and do stocks and own businesses then you will have to choose a different path.
The fines are based on the liquid money you already have and the crimes you have committed. You can observe that when you go to DOC or when you receive the hourly Stimulus check.

Would love other Civilian players put their thoughts on this and share them.

Its has nothing to do with crim or legal, a stock market is untaxable and fines based of liquid money is unfair in every way for everyone, because if the stock dumps from 3 mil to 1 mil and you have to pay a fine based of 3 mill in vallue, then you are paying and unfair price towards what you have the day of the crash and the other way around, i truly have a hard time finding your logics in this. 

Stocks aside for one moment, its is also unfair to pay more in fines when you are rich because then whats the point of putting in more work to become rich then others and still pay more, this is a communistic idea, like, i worked way harder then most to accomplish my wealth, why would i have to pay more ? Because i did more to have more ? 
 

[Quietthecutie]

from a technical standpoint, stocks would be treated more or less like a glorified betfred, than an intelligent marketplace.

The development of such a system would be quite an undertaking, would probably require constant maintainence and updates, adding more weight onto an already strained team, and ultimately,  if people wish to roll the dice with their money we already have an extensive casino in place for that.

ultimately, i dont see the point.

[Ritchie Stones]

4 hours ago, Quietthecutie said:

from a technical standpoint, stocks would be treated more or less like a glorified betfred, than an intelligent marketplace.

The development of such a system would be quite an undertaking, would probably require constant maintainence and updates, adding more weight onto an already strained team, and ultimately,  if people wish to roll the dice with their money we already have an extensive casino in place for that.

ultimately, i dont see the point.

Uhm no, gambling is different from stocks, with stocks you can put in low with money you dont need and take out when higher, just patience is more key 

[Quietthecutie]

10 hours ago, Ritchie Stones said:

Uhm no, gambling is different from stocks, with stocks you can put in low with money you dont need and take out when higher, just patience is more key 

Youve never heard of wallstreetbets and short term puts and calls? alot of people basically gamble on stocks and options and it would be exactly the same here lol.
 

 

[Demonmit1]

On 11/21/2024 at 11:14 AM, Scrapper said:

adjusted periodically by the server admin based on predetermined in-game events.

this would open up a massive can of worms to OOC toxicity and complaints of favoritism and "insider trading"

I think the concept is neat, but the thought of admin controlled passive income for players on the server would overall be a net negative for the players.

[Scrapper]

1 hour ago, Demonmit1 said:

this would open up a massive can of worms to OOC toxicity and complaints of favoritism and "insider trading"

I think the concept is neat, but the thought of admin controlled passive income for players on the server would overall be a net negative for the players.

That's a valid concern, and I completely understand how admin involvement in adjusting stock values could lead to perceptions of favoritism or OOC issues. To address this, the stock market system could rely solely on random AI-driven fluctuations rather than admin intervention. This ensures fairness and transparency, eliminating any risk of insider trading or bias. By keeping the system automated and unpredictable, it remains an engaging feature without creating unnecessary conflict or distrust among players.

[Quietthecutie]

5 minutes ago, Scrapper said:

That's a valid concern, and I completely understand how admin involvement in adjusting stock values could lead to perceptions of favoritism or OOC issues. To address this, the stock market system could rely solely on random AI-driven fluctuations rather than admin intervention. This ensures fairness and transparency, eliminating any risk of insider trading or bias. By keeping the system automated and unpredictable, it remains an engaging feature without creating unnecessary conflict or distrust among players.

and who is going to develop this AI?

this is one of the things that gets my goat sometimes in suggestions, people suggesting things which if we lived in a world where development resources were endless, would be aweseome and great additions to the server.
 

Sadly we do not live in such a world. the development team for ECRP is small. Tiny....i think only 2 full time actually qualified and paid devs and a handful of amateur volunteers who do their best to help. as such they have to be very selective on what projects they choose to develop and implement.

Theres like a million suggestions that fall under this umbrella, but ultimately we have to be realistic when it comes to what the server can implement and this will come down to broadest appeal and ease of implementation. this suggestion, whilst i think it would be a fun addition, would be a major development project and would ultimately only benefit people with the significant income to make it worth pursuing. and even then it wouldnt appeal to most people,

Sorry for sounding like such a negative nancy but i really dont think it would be worth the effort. the time needed to implement this would take time off other projects which would have much broader appeal.

[Scrapper]

58 minutes ago, Quietthecutie said:

and who is going to develop this AI?

this is one of the things that gets my goat sometimes in suggestions, people suggesting things which if we lived in a world where development resources were endless, would be aweseome and great additions to the server.
 

Sadly we do not live in such a world. the development team for ECRP is small. Tiny....i think only 2 full time actually qualified and paid devs and a handful of amateur volunteers who do their best to help. as such they have to be very selective on what projects they choose to develop and implement.

Theres like a million suggestions that fall under this umbrella, but ultimately we have to be realistic when it comes to what the server can implement and this will come down to broadest appeal and ease of implementation. this suggestion, whilst i think it would be a fun addition, would be a major development project and would ultimately only benefit people with the significant income to make it worth pursuing. and even then it wouldnt appeal to most people,

Sorry for sounding like such a negative nancy but i really dont think it would be worth the effort. the time needed to implement this would take time off other projects which would have much broader appeal.

Completely understand your perspective, and you're absolutely right that development resources are limited. Instead of a full AI-driven system, a simpler version could be implemented to reduce complexity. For example:

• Pre-set stock values that change on a schedule (e.g., weekly) based on a random number generator.
• No need for deep AI or admin control, just a simple script to handle fluctuations automatically.

This way, it remains lightweight and manageable for the development team while still offering a fun and engaging feature for players to diversify their in-game activities. I agree it’s important to prioritize broad appeal, but a simplified version could strike a balance between feasibility and fun.

[Prezeey]

The way that I am understanding is this is just full passive income? I might be confused in how it's being suggested but would it be a system where you would buy stock and just earn dividends? A one time purchase with the (possibility) of a limit on stocks to do nothing but get money over time? Just infinite stacking money? Does it matter if the player is online or could someone not log in for 3 years and just have millions collected. There is not really a loss except if the stock would go to 0 and would be worthless. It sounds like a small investment for free money as long as the stock is alive which I don't think another form of passive income is necessary. 

[Quietthecutie]

1 hour ago, Prezeey said:

The way that I am understanding is this is just full passive income? I might be confused in how it's being suggested but would it be a system where you would buy stock and just earn dividends? A one time purchase with the (possibility) of a limit on stocks to do nothing but get money over time? Just infinite stacking money? Does it matter if the player is online or could someone not log in for 3 years and just have millions collected. There is not really a loss except if the stock would go to 0 and would be worthless. It sounds like a small investment for free money as long as the stock is alive which I don't think another form of passive income is necessary. 

i think the suggestion is a little more nuanced than that. stocks go up and down and its all about getting in and out at the right times. you could make money, but you could also lose money. 

Like i said i can see the appeal of the idea. playing the stockmarket etc. but unless you really know what youre doing (and unless the system is complex enough to allow it) its a coinflip. 

The idea that someone could just log off for a month and farm money on their alt is easily solved by an exit date where the stocks are automatically paid out, profit or loss. for example if i buy something on the 10th, its automatically exersised on the 17th regardless of me logging on. this is common enough on the market.

[Prezeey]

If the stocks will sell by the end of the week then dividends would have to be paid daily but I'm sure if there is enough interest some ideas could come from this,

[Diligo]

5 hours ago, Demonmit1 said:

this would open up a massive can of worms to OOC toxicity and complaints of favoritism and "insider trading"

I think the concept is neat, but the thought of admin controlled passive income for players on the server would overall be a net negative for the players.

dont say the quiet part out loud

[Scrapper]

3 hours ago, Prezeey said:

The way that I am understanding is this is just full passive income? I might be confused in how it's being suggested but would it be a system where you would buy stock and just earn dividends? A one time purchase with the (possibility) of a limit on stocks to do nothing but get money over time? Just infinite stacking money? Does it matter if the player is online or could someone not log in for 3 years and just have millions collected. There is not really a loss except if the stock would go to 0 and would be worthless. It sounds like a small investment for free money as long as the stock is alive which I don't think another form of passive income is necessary. 

the system can be balanced to avoid 'free money.' Dividends would be modest and capped, requiring players to be online to collect them, ensuring active participation. Stocks could carry real risks, like losing value or becoming worthless, creating a fair chance of loss. Additionally, investment caps would limit how much players can earn passively, ensuring the stock market supplements gameplay rather than replaces active engagement.

Edited November 23, 2024 by Scrapper

[Ritchie Stones]

7 hours ago, Quietthecutie said:

Youve never heard of wallstreetbets and short term puts and calls? alot of people basically gamble on stocks and options and it would be exactly the same here lol.
 

I know what im talking about, im not going any more deeper into it because its to long to type and has no purpose for other to understand that deep, 

i want to keep it simple, just 5 or 10 different stocks for the game that randomly go up and down, you put in some money and you tab out when it gets a bit above what you invested in a span of weeks and months, not like big money but just something to put some money away that you dont use at that time and have patience, nothing to over complicated ,