Alright... fixed a bunch of things... I honestly have no idea if this loan approach is worth it, but you can definitely save on interest on your loans with this method. ... it's still rather the interest hit the principal. :P
@@thesevendeadlysins578 I actually want them to change it to looking at principal instead of this. It would be a better system, and improve the experience. Grabbing 40+ micro loans just to save on interest payments isn't a good gameplay experience, but once you know you can do it, it's hard to not take advantage knowing you'd be saving money. It's better for the game if it changed, IMO
Regarding finances, around day 30 you should be able to pay everything back if you spend reasonably well. You should make 10k a day at that point. It really doesn't matter much how do you design your loans. Daily 40$ max in interest and you want to save 10$ of that for a day or two? Sneezing in this game does cost more than that.
Actually, loans are amortized over a period of time (your term) and you pay more in interest early on in the loan than you do later. Ask your bank for an amortization schedule and you can see it's not linearly matched to interest and principal.
hi Charlie; I've calculated the interest and, considering the small data set, the results are the following: In general large loans have lower interest payments than small loans. Borrowing 900 (or 923 for that matter) incurs an interest of 33.3%, borrowing 18000 only adds up to 26.7%. However there are a few outliers that could be popular like 500 or 1000 which both have a whopping 50% interest. 924 comes in at 66.7%, very expensive too but fairly unlikely that someone would manually enter that number. Going back to that 18000, if you split it up in 20 loans of 900 each and pay back 75 a day on a single loan (12 days per loan) the interest rate will be 14% over the full duration. Making more loans doesn't necessarily yield better results though. If you run 18000 by using 24 loans of 750 each for example (10 days per loan), it's more expensive at 16.7%, since those 4 extra loans cost additional interest that you wouldn't have had to pay with 900$ loans.
To add something constructive: the game should calculate interest on the principal of course but still charge the player a daily fixed sum for clarity. The daily sum can be changed by the player depending on the circumstances of the businesses etc. The interest simply gets deducted from that daily sum and whatever is left over goes to repayment. I.e. a loan with an equated monthly instalment or EMI. Easy to use for players and can't be cheesed because it's proper maths.
Those rates are all factoring a player doing the game default payments and the game default period. Those aren’t annual rates. The actual annual rate of interest of this method, as shown, is only 6.5%. Only when you get to the whole 308 days of minimum payments (which is nearly 5 years in game) does it get up to that 33%. When paid off as demonstrated and planned, a player will significantly reduce the interest they pay, because the actual individual units of interest attached to the smaller loans will go away, leaving less total being paid per day. Even if the player was to have the same payment total as the larger loan, directing it into clearing smaller loans dramatically reduces total interest incurred
@@CharliePryor I agree and that's what my calculation shows as well :) I used the default rates as a baseline because paying back quicker will be beneficial for any loan and any interest. It is without a doubt best to use smaller loans and focus repayment on one loan after another. There can still be more money saved by finding the right "small loan size" I think.
Hey charlie! I love this series and how you explain everything. I want to let you know that how you speak, your pacing, and you calm personality I could watch it for days! You are awesome!
@@CharliePryor There is a game that maybe is relationated with your channel, it's called "One Military Camp". Maybe you know it but just in case you don't I recommend it to you! Have a great day!
Thank you for crunching these numbers. It's the part of tycoon games I like best. At some point (once the game is available on Steam), we need some theorycrafters to analyze the cost/benefit of each item. Burgers sell for $4 and Fries for $2, and you're selling ~1500 burgers for ~$6000 gross and ~2500 fries for ~$5000 gross. Depending on wholesale cost, your profit per item sold will determine which is more worthwhile to sell. Of course, it would help to know if any given customer buys just one item or if they buy multiple items. Also, does the store get the same number of customers regardless of what you sell? I want this game YESTERDAY, I need answers!!!!
Have to remember that the demand curves for things are changing daily within saves, and different between saves, especially as competitions comes and goes, and depending on area. The COGS also fluctuates for everyone differently too. There won’t be a fixed “this is always correct” way of mathing it out for everyone.
@@CharliePryor It's cool that the dev has built in that "real world" kind of fluctuation. Even without being able to min/max the numbers, we should still be able to gather trend data in any individual save and create "Best Practices". Looking forward to seeing where this goes!
The community al ready been busy providing a 'cheat' sheet! :D docs.google.com/spreadsheets/d/1yclW8ZQkz4Po_2tfmAKobqaUIBjtExTevVghKbiH9X4/edit?usp=sharing
The game is already pretty much figured out, you get most of it by yourself (and exploring is fun). So only read the lower part of what I'm writing if you want to know the answer. Loans are (apparently) determined by your income. Get a job - get a loan - quit the job. Set up a gift shop, make it profitable (meaning: get 2 full-time employees you train up to 100%, have both cheap and expensive gifts, slowly increase your prices until you either hit 98%+ or a 100% you can't reduce without hurting). Then go to the bigger bank (Vantander), get a loan of 400k. Use this to set up a 75 limit clothing shop with all 8 items in either Midtown or Hell's Kitchen (including 3 recruitment campaigns for 10 people within 1 day (15k is nothing with that loan - train them up to 100%) with decent or good foot traffick. Also rent an office building with a HQ, only so you can hire 2+ purchasing agents, 2 logicistics managers, as well as getting 1 warehouse and 4 drivers. Train them up to 100%. A full clothing shop requires 64 clothing racks, 3 checkout counters, 1 changing booth, 1 cleaning station and ideally 20+ storage shelves. Stock up once your employees are ready, open it 24/7 and put in marketing (S+M internet, S+M+L billboard for 100%). In Midtown, prices can be about twice the retail price. If you import yourself, you will earn 500-700k (that is net, btw) per day, slightly lower while you're still getting stuff from wholesale. Remember that loan? It was less than your daily income. Now you can even start buying out other businesses (about 3 million dollars for size 75) to get the prime locations. And don't set up food businesses, those aren't really worth it.
Is there a PAR system in the game? If not, do you know if one is being planned? Would make ordering easier and a more automated. Just set the amount you want stocked on the shelf and it takes what you have the day before in inventory and orders the difference for delivery. Has you approve it first though and you would be free to revise the PAR levels at anytime. I have 20 plus years in the wholesale food industry and this is how pretty much every business, with a software program, has it setup that I have worked at.
actually your can raise your retail price of your goods as well, you see by inventory and pricing the market price and retail price. If you put a couple of dollars up, then u can make some extra money per sale. I have liquor shop and sell my wine for $25 per bottle l( market price is $21 ) and $14 per cigar ( marketprice is $12 ). Customers don't complain. I saw in your vid at 20:29 that you kept your price the same. With that loan, that is a nice trick and will try this out. Today ( 10th of march ) the game releases & ofcourse I will buy the game. Keep up your great series and work/vids. Cheers!
Competitors will play a role in that. You can get away with raising prices if you have very little completion… however, raise prices long enough, and you’ll also get more competitors moving in to undercut you. To be clear, I don’t actually know if the game simulates that (I hope it does). The “market price” related to economics here, represents the market equilibrium. Assuming it follows economic principles as it relates to a market, pricing products higher than equilibrium will absolutely invite competitors or reduce demand for the product, thereby eventually forcing you to bring down the price. :)
In the UK as far as I'm aware in real life, interest (APR) is charged based on the initial amount for the length of the loan, which a large number of certain businesses did. It was eventually made illegal in the UK for lenders to charge interest in this way and it changed in law that they had to charge interest based on the remaining balance of the loan not the initial amount borrowed for the term of the loan. Luckily this is a game and to keep it simple its just a flat interest rate based on the amount borrowed to not complicate it, even though it costs the player more money. Boring UK borrowing facts I know but oh well haha Loving the series :D
Determine your total sales by product per week. Make one run per product per week. Paper bags = Monday. Gifts of all kinds = Tuesday. Burgers = Wednesday. Fries = Thursday. Cigars and Soda = Friday. Take the weekend off, and go to the park one of those two days, or work a full shift. So long as you use
That doesn’t work with volume. Sure, in theory, and maybe even with math… but you’re not factoring one critical detail: there isn’t enough shelf space to locally store that amount of goods in stock in the stores where it matters. For example… to shop for enough fries to last the entire week, I’d need to add two additional shelves. There would then not be enough storage for several other products to store them without adding more. The actual practice to improve, is the logistics path the game offers and takes you down anyways as we scale.
@@CharliePryor - Fair enough. You can still min-max your stock purchases to account for the maximum storage capacity in your stores. You can also store excess product in the stores themselves, and NOT on the limited storage space. I will purchase this game tomorrow, and give my ideas a shot.
Depends on the type of loan, Car loans for some reason get away with charging you the BULK of the interest in the beginning of the term meaning the majority of each car payment is paid to interest, typically by time you could refinance (if needed) you would have already paid most of the interest making it pointless. Not sure at all why that's legal but is what it is. to clarify this is related to people with decent to bad credit, No clue how 800+ credit scores effect the loans.
Happy to see more videos come out now that you have some child free time. It'll also do wonders for your mental health. I have 2 under 5, so I understand what it is like. Love your videos, very entertaining. Sadly other side of the world so I do miss your live streams, just due to time, so these are great
to be fair most loans are front-loaded with interest. The game simplifies this with a fixed amount over the life of the loan-it probably actually works out in your favor compared to a real loan
Yes, because while it says “20%” rate, it really isn’t, because it isn’t being annualized. Instead it’s just increasing the term/payments number to make the total be greater. APR on these loans is closer to 6.5%, based on a 60-day year.
Dunno if your gonna see this but, i've been following the vids since 01 gathering tips and learn more about the game, and got me thinking if it's there any point in not having all stores runing 24/7? Is there any benefit in having even a law firm or witchever bussiness not run 24/7?
This is the most realistic game out today because people looking for work and a pay check has so many demands!!! No one gives a damn what the company they working for need!!😂😂😂😂 keep it going boss
Let's say, hypothetically, I am a Barbie girl. Okay, let's even say I'm in a Barbie world. Right, so in this scenario, I would obviously know from personal experience that, life in plastic, is fantastic. Wouldn't it be reasonable to assume that you could brush my hair, and undress my literally everywhere? Imagination. You can derive from the fundamentals of basic logic that life your creation.
with the loan that would be % if you didnt pay anything off just the interest once you start paying it off it will be better in long run wont make a difference in short term but long term big difference
Yeah, so the Interest is calculated at a Flat rate and not a reducing or diminishing rate. Most 2 wheeler loans are like this, Flat interest rate from start to end. Not a good deal.
it's literally just how long you have the loan for, it seems every 1000 is another dollar, it's really nothing more than the amount of time you have the loan for, so use the money for something that will make you a profit, and use the profit to pay the loan quickly... i don't understand.
It has a LOT of different SKUs. That makes it more challenging to manage without logistics already established, and more expensive to set up in the beginning due to the amount of product you need to sink cost into to start it up. We will do all business types in this play-through.
Hey not sure if you realised it or not since, but when you where adjusting the time schedule of your employees you could actually assign them multiple shifts for one day, e.g they come in 8-10 to clean, then come in again later on at 4-6 etc etc. you just need to drag their name down again onto the line, found it out accidentally in my game
Got the answer! So the “Day profit” number is the combined profit after factoring in my purchases of the day as well. So if I bought equipment that day, it would show a lower number than the actual profits straight from business. Around this timestamp, you’ll see I made more money than was displayed in that total profit window. This is because purchases from that day reduced total profits overall - but the businesses are actually making more than that number. Had I made no purchases that day, it would have matched up. :)
I don't think the loan thing worked :( When you borrowed £15k it was £17 interest a day. £15k divided by the £923 would be 16.25 seperate loans. At £1 interest on each loan, you would still pay £16.25 interest a day for £15K loan. You saved £0.75 a day. I think my math is right. :)
I don’t think it saves on interest for the total borrowed. However, when you focus your payments on the smaller amounts, you begin to clear the loans one by one. This reduces the interest you are paying with this game. So if I borrow $15,000, it’s $17 interest. Fine. Now pay off $10,000 of it. You still paying $17. But if you instead had 15, $1,000 loans, you would now have paid off 10 of them. You’d still owe the same amount, but because the interest is individually tied to those little loans, you’ve also now reduced your interest along the way - and are now only paying $6 interest, instead of that $17. Make sense? :)
Hmm the uncle has not prompted me to do marketing yet, it might be because I never felt the need to take out a 15k loan and opred to start with cigars and wine instead of a gift shop, this is a thing the devs need to work on, having the tutorial bing a bit kess liniar, the point is tonset you up with tour first buisness that earns a bit of cash
If you don’t need a tutorial, do a custom game instead. It’s meant as a teaching tool. Sometimes the best way to be taught something is systematically,
As I type this it's been the 10th for 23 hours. Why is the game not out, why does Steam say the 11th? There are many countries better than the US that should get it on their 10th :P The bright side of it coming out on my 11th menas I can start on a Sat :) I'd say the game would be easier if the wages reflected real US minimum wage haha.
An extra thousand a week is nothing compared to the losses that’ll occur by not running for supply, or managing happiness Big picture, I’ll make way more money focusing on macro instead of micro. It’s a disservice to treat yourself as an employee.
If you take out the same amount of money for both comparisons, interest would be roughly the same. Can’t compare the partial I had before with a full I had later.
The $17/day interest was on a $15k loan, the $40/day interest is on $40k worth of loans. So one big loan of $40k would have ~$40/day interest. But you would pay that $40/day everyday for the life of the loan. Charlie's approach has the interest amount per day decrease over time, saving money in the long run.
Alright... fixed a bunch of things... I honestly have no idea if this loan approach is worth it, but you can definitely save on interest on your loans with this method.
... it's still rather the interest hit the principal. :P
I really hope they don't fix the loan loophole you found.
@@thesevendeadlysins578 I actually want them to change it to looking at principal instead of this. It would be a better system, and improve the experience. Grabbing 40+ micro loans just to save on interest payments isn't a good gameplay experience, but once you know you can do it, it's hard to not take advantage knowing you'd be saving money.
It's better for the game if it changed, IMO
Regarding finances, around day 30 you should be able to pay everything back if you spend reasonably well. You should make 10k a day at that point. It really doesn't matter much how do you design your loans. Daily 40$ max in interest and you want to save 10$ of that for a day or two? Sneezing in this game does cost more than that.
Honestly dont think iv been this excited for a game in a while. Im gaming this all day tomorrow
**Powerslides into the gas station**
"I need to stop hitting things..." :D
Enjoying your commentary on this game!
Glad you enjoy it!
“Responsible business owner” *gets decimated by a semi* 😂😂
Reck means to pay heed to. Reckless means you do not pay heed to.
Great series love this let's play
Actually, loans are amortized over a period of time (your term) and you pay more in interest early on in the loan than you do later. Ask your bank for an amortization schedule and you can see it's not linearly matched to interest and principal.
hi Charlie; I've calculated the interest and, considering the small data set, the results are the following:
In general large loans have lower interest payments than small loans. Borrowing 900 (or 923 for that matter) incurs an interest of 33.3%, borrowing 18000 only adds up to 26.7%.
However there are a few outliers that could be popular like 500 or 1000 which both have a whopping 50% interest. 924 comes in at 66.7%, very expensive too but fairly unlikely that someone would manually enter that number.
Going back to that 18000, if you split it up in 20 loans of 900 each and pay back 75 a day on a single loan (12 days per loan) the interest rate will be 14% over the full duration. Making more loans doesn't necessarily yield better results though. If you run 18000 by using 24 loans of 750 each for example (10 days per loan), it's more expensive at 16.7%, since those 4 extra loans cost additional interest that you wouldn't have had to pay with 900$ loans.
To add something constructive: the game should calculate interest on the principal of course but still charge the player a daily fixed sum for clarity. The daily sum can be changed by the player depending on the circumstances of the businesses etc. The interest simply gets deducted from that daily sum and whatever is left over goes to repayment.
I.e. a loan with an equated monthly instalment or EMI.
Easy to use for players and can't be cheesed because it's proper maths.
Those rates are all factoring a player doing the game default payments and the game default period. Those aren’t annual rates. The actual annual rate of interest of this method, as shown, is only 6.5%. Only when you get to the whole 308 days of minimum payments (which is nearly 5 years in game) does it get up to that 33%.
When paid off as demonstrated and planned, a player will significantly reduce the interest they pay, because the actual individual units of interest attached to the smaller loans will go away, leaving less total being paid per day. Even if the player was to have the same payment total as the larger loan, directing it into clearing smaller loans dramatically reduces total interest incurred
@@CharliePryor I agree and that's what my calculation shows as well :) I used the default rates as a baseline because paying back quicker will be beneficial for any loan and any interest. It is without a doubt best to use smaller loans and focus repayment on one loan after another. There can still be more money saved by finding the right "small loan size" I think.
cracked up at the "not a responsible pedestrian part"
Hey charlie! I love this series and how you explain everything. I want to let you know that how you speak, your pacing, and you calm personality I could watch it for days! You are awesome!
Thanks! :)
@@CharliePryor There is a game that maybe is relationated with your channel, it's called "One Military Camp". Maybe you know it but just in case you don't I recommend it to you! Have a great day!
Great series - your style is so perfect for these games, very enjoyable.
Thanks! :)
Hey Charlie you read my Chat im sooooo happy you paid attention to my post
Thank you for crunching these numbers. It's the part of tycoon games I like best.
At some point (once the game is available on Steam), we need some theorycrafters to analyze the cost/benefit of each item. Burgers sell for $4 and Fries for $2, and you're selling ~1500 burgers for ~$6000 gross and ~2500 fries for ~$5000 gross. Depending on wholesale cost, your profit per item sold will determine which is more worthwhile to sell. Of course, it would help to know if any given customer buys just one item or if they buy multiple items. Also, does the store get the same number of customers regardless of what you sell?
I want this game YESTERDAY, I need answers!!!!
Have to remember that the demand curves for things are changing daily within saves, and different between saves, especially as competitions comes and goes, and depending on area. The COGS also fluctuates for everyone differently too. There won’t be a fixed “this is always correct” way of mathing it out for everyone.
@@CharliePryor It's cool that the dev has built in that "real world" kind of fluctuation. Even without being able to min/max the numbers, we should still be able to gather trend data in any individual save and create "Best Practices".
Looking forward to seeing where this goes!
The community al ready been busy providing a 'cheat' sheet! :D
docs.google.com/spreadsheets/d/1yclW8ZQkz4Po_2tfmAKobqaUIBjtExTevVghKbiH9X4/edit?usp=sharing
The game is already pretty much figured out, you get most of it by yourself (and exploring is fun). So only read the lower part of what I'm writing if you want to know the answer.
Loans are (apparently) determined by your income. Get a job - get a loan - quit the job. Set up a gift shop, make it profitable (meaning: get 2 full-time employees you train up to 100%, have both cheap and expensive gifts, slowly increase your prices until you either hit 98%+ or a 100% you can't reduce without hurting). Then go to the bigger bank (Vantander), get a loan of 400k. Use this to set up a 75 limit clothing shop with all 8 items in either Midtown or Hell's Kitchen (including 3 recruitment campaigns for 10 people within 1 day (15k is nothing with that loan - train them up to 100%) with decent or good foot traffick. Also rent an office building with a HQ, only so you can hire 2+ purchasing agents, 2 logicistics managers, as well as getting 1 warehouse and 4 drivers. Train them up to 100%.
A full clothing shop requires 64 clothing racks, 3 checkout counters, 1 changing booth, 1 cleaning station and ideally 20+ storage shelves. Stock up once your employees are ready, open it 24/7 and put in marketing (S+M internet, S+M+L billboard for 100%). In Midtown, prices can be about twice the retail price. If you import yourself, you will earn 500-700k (that is net, btw) per day, slightly lower while you're still getting stuff from wholesale. Remember that loan? It was less than your daily income. Now you can even start buying out other businesses (about 3 million dollars for size 75) to get the prime locations.
And don't set up food businesses, those aren't really worth it.
you forget the paper bags in your equation. Since these are low cost high volume items it's actually quite significant.
haveing a -5% unhappiness rating to taking out eatch individual loan should be a mechanic too to mitigate that gaminess.
Is there a PAR system in the game? If not, do you know if one is being planned?
Would make ordering easier and a more automated. Just set the amount you want stocked on the shelf and it takes what you have the day before in inventory and orders the difference for delivery. Has you approve it first though and you would be free to revise the PAR levels at anytime.
I have 20 plus years in the wholesale food industry and this is how pretty much every business, with a software program, has it setup that I have worked at.
In my fast food joint I have two cash registers installed, but only one of them staffed. I still get the max 30 customers per hour. Go figure!
actually your can raise your retail price of your goods as well, you see by inventory and pricing the market price and retail price. If you put a couple of dollars up, then u can make some extra money per sale. I have liquor shop and sell my wine for $25 per bottle l( market price is $21 ) and $14 per cigar ( marketprice is $12 ). Customers don't complain. I saw in your vid at 20:29 that you kept your price the same. With that loan, that is a nice trick and will try this out. Today ( 10th of march ) the game releases & ofcourse I will buy the game. Keep up your great series and work/vids. Cheers!
Competitors will play a role in that. You can get away with raising prices if you have very little completion… however, raise prices long enough, and you’ll also get more competitors moving in to undercut you.
To be clear, I don’t actually know if the game simulates that (I hope it does). The “market price” related to economics here, represents the market equilibrium. Assuming it follows economic principles as it relates to a market, pricing products higher than equilibrium will absolutely invite competitors or reduce demand for the product, thereby eventually forcing you to bring down the price. :)
In the UK as far as I'm aware in real life, interest (APR) is charged based on the initial amount for the length of the loan, which a large number of certain businesses did. It was eventually made illegal in the UK for lenders to charge interest in this way and it changed in law that they had to charge interest based on the remaining balance of the loan not the initial amount borrowed for the term of the loan. Luckily this is a game and to keep it simple its just a flat interest rate based on the amount borrowed to not complicate it, even though it costs the player more money.
Boring UK borrowing facts I know but oh well haha
Loving the series :D
Thanks for watching! :)
Thank u thank u. For bringing this back. Love this game and love watching u play and explain it!!
Thanks for watching. :)
Determine your total sales by product per week. Make one run per product per week. Paper bags = Monday. Gifts of all kinds = Tuesday. Burgers = Wednesday. Fries = Thursday. Cigars and Soda = Friday. Take the weekend off, and go to the park one of those two days, or work a full shift. So long as you use
The sooner you get on a routine, the less money you will lose when you run out of a specific product.
That doesn’t work with volume. Sure, in theory, and maybe even with math… but you’re not factoring one critical detail: there isn’t enough shelf space to locally store that amount of goods in stock in the stores where it matters.
For example… to shop for enough fries to last the entire week, I’d need to add two additional shelves. There would then not be enough storage for several other products to store them without adding more.
The actual practice to improve, is the logistics path the game offers and takes you down anyways as we scale.
@@CharliePryor - Fair enough. You can still min-max your stock purchases to account for the maximum storage capacity in your stores. You can also store excess product in the stores themselves, and NOT on the limited storage space. I will purchase this game tomorrow, and give my ideas a shot.
You can also store paper bags in your apartment. Stop a two hour drive to and from the warehouse, if you're out.
Great series! It show's things more clearly! I cannot wait the game to come out!
46:36. In the words of Star Realms: "Fast? This baby doesn't just haul cargo, she hauls..." 😆
Just found this video, really enjoying it. Oh btw the loan interest works like it does by some companies in the U.K.
Depends on the type of loan, Car loans for some reason get away with charging you the BULK of the interest in the beginning of the term meaning the majority of each car payment is paid to interest, typically by time you could refinance (if needed) you would have already paid most of the interest making it pointless. Not sure at all why that's legal but is what it is. to clarify this is related to people with decent to bad credit, No clue how 800+ credit scores effect the loans.
you just pop up on my recommended and i i like that it did , love this serie and you get a new sub
Welcome in. :)
It's "reckless" as in "without reckoning." I drive wrecklessly 99.999999999% of the time, but never recklessly. 😀
Happy to see more videos come out now that you have some child free time. It'll also do wonders for your mental health. I have 2 under 5, so I understand what it is like. Love your videos, very entertaining. Sadly other side of the world so I do miss your live streams, just due to time, so these are great
to be fair most loans are front-loaded with interest. The game simplifies this with a fixed amount over the life of the loan-it probably actually works out in your favor compared to a real loan
Yes, because while it says “20%” rate, it really isn’t, because it isn’t being annualized. Instead it’s just increasing the term/payments number to make the total be greater.
APR on these loans is closer to 6.5%, based on a 60-day year.
I don't even play the game yet, and I already caught myself going, "Ohhhhh...." So I will definitely be re-visiting this once I get it.
Really loving the series. Thank you.
Dunno if your gonna see this but, i've been following the vids since 01 gathering tips and learn more about the game, and got me thinking if it's there any point in not having all stores runing 24/7? Is there any benefit in having even a law firm or witchever bussiness not run 24/7?
Will the Big Ambitions Playtest saves still be available when the game goes live on the 10th?
If you are referring to the BETA saves, you should start new with EA, unless it’s a very recent save.
This is the most realistic game out today because people looking for work and a pay check has so many demands!!! No one gives a damn what the company they working for need!!😂😂😂😂 keep it going boss
Let's say, hypothetically, I am a Barbie girl. Okay, let's even say I'm in a Barbie world. Right, so in this scenario, I would obviously know from personal experience that, life in plastic, is fantastic. Wouldn't it be reasonable to assume that you could brush
my hair, and undress my literally everywhere? Imagination. You can derive from the fundamentals of basic logic that life your creation.
See a need, fill a need. This is what business is all about.
No cam? Denying the audience the good looks! 😍
Glad to hear the economy of gaming is looking good for you. Onward and upward!
I'm live every week with a cam... usually. :P
Charlie please scream "HEY! I'm waaalkin he'e!"-NY accent everytime you get hit by a car!
Great series, keep up the good work!
I give my full time workers 6 hour shifts and they clean 1 hour after their shift the perfect 24/7 schedule.
with the loan that would be % if you didnt pay anything off just the interest once you start paying it off it will be better in long run wont make a difference in short term but long term big difference
Love this series
Could you have employee 1 the rockstar work 8 hours at gift then assign her to the restaurant for another shift
Man i godamm love watching these videos i don’t understand why but this game is amazing 🎉
I'm going to grab this for sure.
Have fun!
Because it’s “reckless”, not “wreckless”
my cleaners just aint cleaning anything lol
I think you should go HQ for new gameplay :O
HQ is definitely the better path, it streamlines everything else and makes expanding to new businesses far easier.
Ah, the eye can stop twitching 😄
Evidently reck means to be careful, so reckless means to be careless, while wreck is to damage something, because English, haha.
Thanks
Is there a reason you don't use "Set Destination" in the map? Is it broken or bugged?
I know the map well enough to not need navigation specifically appearing while driving.
Yeah, so the Interest is calculated at a Flat rate and not a reducing or diminishing rate. Most 2 wheeler loans are like this, Flat interest rate from start to end. Not a good deal.
it's literally just how long you have the loan for, it seems every 1000 is another dollar, it's really nothing more than the amount of time you have the loan for, so use the money for something that will make you a profit, and use the profit to pay the loan quickly... i don't understand.
clothes building would be best one of good way to make money
It has a LOT of different SKUs. That makes it more challenging to manage without logistics already established, and more expensive to set up in the beginning due to the amount of product you need to sink cost into to start it up.
We will do all business types in this play-through.
Hey not sure if you realised it or not since, but when you where adjusting the time schedule of your employees you could actually assign them multiple shifts for one day, e.g they come in 8-10 to clean, then come in again later on at 4-6 etc etc. you just need to drag their name down again onto the line, found it out accidentally in my game
This makes sense for the cleaner. Not so much for everyone else, but yes it makes sense for the cleaner. :)
Why did you get 9.902 dollars at 34:05? Even when deducing the cost at 2.587 dollars, that's way more than your daily profit of 4.675 dollars.
I can’t go back and see the breakdown in Econo view, but it does seem like a good question. I’ll try and investigate and relay an answer if I find it
@@CharliePryor thanks!
Got the answer!
So the “Day profit” number is the combined profit after factoring in my purchases of the day as well. So if I bought equipment that day, it would show a lower number than the actual profits straight from business. Around this timestamp, you’ll see I made more money than was displayed in that total profit window. This is because purchases from that day reduced total profits overall - but the businesses are actually making more than that number.
Had I made no purchases that day, it would have matched up. :)
I don't think the loan thing worked :(
When you borrowed £15k it was £17 interest a day.
£15k divided by the £923 would be 16.25 seperate loans.
At £1 interest on each loan, you would still pay £16.25 interest a day for £15K loan.
You saved £0.75 a day.
I think my math is right. :)
I don’t think it saves on interest for the total borrowed. However, when you focus your payments on the smaller amounts, you begin to clear the loans one by one. This reduces the interest you are paying with this game.
So if I borrow $15,000, it’s $17 interest. Fine. Now pay off $10,000 of it. You still paying $17.
But if you instead had 15, $1,000 loans, you would now have paid off 10 of them. You’d still owe the same amount, but because the interest is individually tied to those little loans, you’ve also now reduced your interest along the way - and are now only paying $6 interest, instead of that $17. Make sense? :)
PS i love the series :)
@@CharliePryor I like that, it's a nice work around for not being able to pay off chunks of the loan, only the full amount :)
Hmm the uncle has not prompted me to do marketing yet, it might be because I never felt the need to take out a 15k loan and opred to start with cigars and wine instead of a gift shop, this is a thing the devs need to work on, having the tutorial bing a bit kess liniar, the point is tonset you up with tour first buisness that earns a bit of cash
If you don’t need a tutorial, do a custom game instead. It’s meant as a teaching tool. Sometimes the best way to be taught something is systematically,
@@CharliePryor right never mind my redundant comment :)
First comment, and Charlie do thanks go to help on childcare also
You rock!
I record and have a 5, 12, and 13 year old, I feel you,
I look forward to when she’s 5… that means it’s off to school for her! :)
She's preschool this year, I get 2 hours but I work full time on top of this
Yeah I get the advantage of having the recording BE the work. Soon as she goes to school, if I’m still doing this, I’ll be 8-10 hours a day again. :)
Irs ain't gonna like that cheese.
As I type this it's been the 10th for 23 hours. Why is the game not out, why does Steam say the 11th? There are many countries better than the US that should get it on their 10th :P The bright side of it coming out on my 11th menas I can start on a Sat :) I'd say the game would be easier if the wages reflected real US minimum wage haha.
On steam page it says it's available in 5 hours. Hang in there buddy 🙂
Lo❤u
If you, personally, work 25 hours a week, then you earn an extra thousand dollars. Just sayin'.
An extra thousand a week is nothing compared to the losses that’ll occur by not running for supply, or managing happiness
Big picture, I’ll make way more money focusing on macro instead of micro. It’s a disservice to treat yourself as an employee.
this loan approach is wack, it's better to take out one large loan with $17 interest vs 40 loans with $40 interest.
If you take out the same amount of money for both comparisons, interest would be roughly the same. Can’t compare the partial I had before with a full I had later.
The $17/day interest was on a $15k loan, the $40/day interest is on $40k worth of loans. So one big loan of $40k would have ~$40/day interest. But you would pay that $40/day everyday for the life of the loan. Charlie's approach has the interest amount per day decrease over time, saving money in the long run.
That kinda sucks that the game play doesn’t really matter. Pretty much just a text base game
Both banks give u 40K
About to get a hotfix to the game from the creator and your interest payments are going to skyrocket lol. Love the loophole
It’s much better than the old system from the beta where it didn’t matter at all anyways if you ever paid it back. :)