Andyman's Income Guide - Page 3 | Tutorials & Guides | TO…
Andyman's Income Guide
  • RZr FrshPineAplJuic [1635363]FrshPineAplJuic [1635363]
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    Posted on 09:22:47 - 11/12/19 (1 year ago)
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    I would like to add that reviving is also a great way to start the grind when I came back to torn I had lots of free refills and I met a good friend that help me into a faction making revives 25e(was75e per before) help me grind hundred and hundred m. So I would say find a faction that reduce revive e(energy) (my faction does this too xP) and get the BS(brain surgent) status and start grinding like I did.
    Ps: please do correct me or add some info if I'm wrong or is needed.(newbie newbie, yeah that's me-haha Davis)
  • PM Jynx [2087322]Jynx [2087322]
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    Posted on 09:50:02 - 11/12/19 (1 year ago)
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    FrshPineAplJuic [1635363]

    I would like to add that reviving is also a great way to start the grind when I came back to torn I had lots of free refills and I met a good friend that help me into a faction making revives 25e(was75e per before) help me grind hundred and hundred m. So I would say find a faction that reduce revive e(energy) (my faction does this too xP) and get the BS(brain surgent) status and start grinding like I did.
    Ps: please do correct me or add some info if I'm wrong or is needed.(newbie newbie, yeah that's me-haha Davis)
    Reviving is already mentioned
    Last edited by Jynx on 12:26:43 - 11/12/19
  • JFK™ Andyman [471591]Andyman [471591]
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    Posted on 02:52:43 - 25/12/19 (1 year ago)
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    Christmas Update: For the next 48 hours, send Duke $666 every 6 hours and he'll send you a present.
  • UD -BC-M16 [1002535]-BC-M16 [1002535]
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    Posted on 17:18:05 - 25/12/19 (1 year ago)
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    Andyman [471591]

    Christmas Update: For the next 48 hours, send Duke $666 every 6 hours and he'll send you a present.
    If this is a lie I’m going to hospitalise you

  • JFK™ Andyman [471591]Andyman [471591]
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    Posted on 17:25:13 - 25/12/19 (1 year ago)
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    Andyman [471591]

    Christmas Update: For the next 48 hours, send Duke $666 every 6 hours and he'll send you a present.

    -BC-M16 [1002535]

    If this is a lie I’m going to hospitalise you
    I'd expect nothing less. 

    In all seriousness:
  • DAM DeKleineKobini [2114440]DeKleineKobini [2114440]
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    Posted on 23:28:59 - 25/12/19 (1 year ago)
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    Providing some unique services can earn you a lot too.

    Examples: spreadsheet making, script making and other tools (programs, discord bots, etc).

    All require programming knowledge and api experience and you need trust for it, but I can say that I do not regret my spreadsheet and script services. Yes it can be an hassle and a lot of work sometimes, I've earned over 4b from it, might be even closer to 5b.

    Note: while simple spreadsheets don't need a script, I do not deem those sellable. And yes, you can use importJson to do it without knowledge, but for 99% of the use cases it just sucks.

    Trading | Spreadsheets | Free Scripts | Paid Scripts

    Creating personalized trading spreadsheets and spreadsheets for other purposes, check my forum thread for more information.

    Buying many items, check my spreadsheet for the items I buy with up-to-date prices.

    competition.php?c=EasterEggs&step=eggImage&access_token=nothanks

  • Viva Kegabyte [2352085]Kegabyte [2352085]
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    Posted on 17:55:57 - 26/12/19 (1 year ago)
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    What's the difference between searching the dump for items and searching the city?
  •   Gux- [1537338]Gux- [1537338]
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    Posted on 20:57:38 - 26/12/19 (1 year ago)
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    Reading the last part about Ched introducing income tax got me fan girling..

    work place pensions
    corporation tax
    employee, employer and self employed NIC
    IR35

    I don’t work in tax but that shit excites me!
    Last edited by Gux- on 09:00:29 - 28/12/19

  • |X| MrNewOrleans [2103158]MrNewOrleans [2103158]
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    Posted on 21:26:40 - 26/12/19 (1 year ago)
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    Gux- [1537338]

    Reading the last part about Ched introducing income tax got me fan girling..

    work place pensions
    corporation tax
    employee, employer and self employed NIC
    IR35

    I don’t work in tax but that shit excites me!
    Every time these subjects come up, Gux- starts talking  nonstop and creams his pants.

  • IP jaybee420 [2434584]jaybee420 [2434584]
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    Posted on 21:38:20 - 26/12/19 (1 year ago)
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    Not read it all yet but nice and detailed. Will be trying some of this and updating
  • JFK™ Andyman [471591]Andyman [471591]
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    Posted on 15:23:37 - 29/12/19 (1 year ago)
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    Kegabyte [2352085]

    What's the difference between searching the dump for items and searching the city?
    Kega - "Searching the dump" is an action that costs 5 energy. You can get to the dump by clicking the city link and then clicking "Dump" in the Red Light District.

    "Searching the city" is an action that costs no energy. Various items will spawn for you to click on, on your city map based on your awareness level. Zoom in and drag the map around to find stuff.
  • NS seintz [2460991]seintz [2460991]
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    Posted on 13:36:19 - 08/04/20 (1 year ago)
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    This is an awesome guide, really opened my eyes on income, thanks man! R+
  • NUKE Zasty [2131289]Zasty [2131289]
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    Posted on 04:41:16 - 12/05/20 (1 year ago)
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    Andyman [471591]

    Andyman's Guide to Diversifying Your Income

    The purpose of this guide is to showcase all of the different legal means of establishing an income as a Torn citizen. This is not intended to be a guide for a brand new player, but instead a form of enlightenment for the established Torn entrepreneur who may not be aware of certain aspects of the game or may be seeking ways to expand and diversify their source of income.

    I’ve personally tested each of the sources of income I’m listing and feel like I have a solid grasp on the hustles involved with each income-scheme listed.

    In general, there are three classifications of income:
    1.) Active Income - earning income through player engagement - “working for your money”
    2.) Passive Income - earning income on time - “your money working for you”
    3.) Pay-To-Win Income - putting real $ into the game for Torn cash - “feeding Chedburn”

    Active Income Sources (in no particular order)

    • Participate in contests and community events - Requires real-life creativity; the rewards can be very lucrative.
    • Attack Duke and other NPCs for a chance at loot, sell the loot - Requires waiting until loot level IV (exactly 210 minutes from the time the NPC gets out of hospital), chance to obtain loot rewards worth hundreds of millions and sometimes billions of dollars.
    • Run flowers/plushies/drugs - Must be Level 15 to travel. Be sure to purchase a large suitcase and rent a private island with an airstrip so you can import more items!
    • Mug players - Dependent on your battlestats, must be able to win the fight in order to mug successfully. Keep in mind quite a few relatively low-stat inactive players have cash on them derived from dividends and past bazaar sales. If you decide to spend thousands of energy mugging, you should commit to having 10/10 in mug merits. Finding mug targets is not rocket science… but takes patience and persistence.
    • Get a job, get paid - Your pay is going to be based on your workstats and activity. High revenue companies such as Logistics and Television Network tend to pay much better on average than other companies.
    • Cash-in on job points - There are several companies that have specials producing items/services worth millions of dollars.
    • Attack players and lose/run away on purpose - This is known as “slutting” and is demanded by players seeking defends. This process is little more than trading your energy & medical cooldown for money. Be sure to account for the expense of medical supplies when you are selling losses!
    • Crimes - Either work toward 18 nerve hacking or being on a PA Team - Hacking takes considerably less time (I’m talking years of active gameplay) to start earning tens of millions of dollars a week compared to serving on a Political Assassination team. Speed up your progress by drinking beer for cheap nerve (Beer can be bought at Bits and Bobs for $10/ea or in the item market for roughly $900/ea.) When you can successfully complete the 18-nerve hacking crime, you’ll have a high chance to be able to turn 18 nerve into roughly $200,000 cash or 18 beer ($16,000) into roughly $200,000 cash! It’s best to hack AFTER you've spent your energy due to the risk of sitting in jail for a while. NOTE: If you choose to gain cash through 18-nerve hacking, it will nullify any chance of serving on your faction’s Political Assassination team for several years… so commit to one or the other.
    • Sell Torn-related graphics in the forums - Requires real-life creativity and skill with graphic design software.
    • Shop Bits and Bobs - Buy beer at $10/ea, sell at $900/ea. Up to 100 a day. Requires items to be in stock! Other items such as bricks can be bought/sold this way too.
    • Christmas Town - This holiday event is extremely profitable... Walk around looking for items, open chests, and play silly games to win prizes. By being moderately active during this event, you can walk away from Christmas Town adding several hundred million to your networth.
    • Code viruses, sell viruses - Tiny profit, requires an education course and computer in your inventory
    • Racing - You will likely lose more than you earn until you get a high racing skill, but this can certainly be a source of profit. Occasionally there will be a race being organized in the forums where racers have a decent chance of winning something. Furthermore, if your faction leadership or company director sponsors races with prizes, be sure to join!
    • Bounty hunt - Typically requires decent battlestats, find bounties in the newspaper.
    • Mercenary and wall-sit - Typically requires relatively high battlestats, faction leaders will pay for your help attacking/defending territory and participating in chains.
    • Revive - Requires the brain surgeon special. Can be very profitable during large wars, especially utilizing faction revive specials.
    • Search forums for “I’m quitting” threads - Some players will give all their stuff away to the public upon leaving the game… usually based on some arbitrary/random game they come up with.
    • Search forums for “I just won the jackpot” threads - Some players get extra generous after winning a lottery or large jackpot.
    • Fill blood bags - Requires education. Low return, but filled blood bags are typically worth more than empty blood bags. This is a way to cash-in on your medical cooldown timer.
    • Trade items, points, stock and take advantage of arbitrage - Stalk item/points market, sell items/points slightly higher than what you bought them for. Requires working capital.
    • Purchase highly-liquid items at a small discount from new players who do not have a vault, faction bank, company bank, or other safe place to store their short-term assets. - Requires working capital, relatively high battlestats, and outreach to find a network of new players.
    • Play Poker against other players - (Edited: Poker was recently changed and I don't have much experience in the new system. It's my understanding Poker tables are now automated)
    • Play Russian Roulette against other players - Wait for some moron to come along and increase their chances of losing by clicking the 2x or 3x button… (Note: there may be a pattern to the RR games, but that is unconfirmed)
    • Create and submit Comics for the Newspaper; solve the crossword in the Newspaper- Requires real-life creativity/skill
    • Seek out game bugs, then report the bugs to Torn staff through proper channels - It’s difficult to find bugs, but this process can be very remunerative.
    • Serve as a staff member and sell the staff collectible item given to you - Requires being picked as staff and for a collectible item to be given to you. (Note: My staff torn wife says this is not allowed)
    • Bust for cash - This used to be a lot more common in Torn when busting required energy as opposed to nerve, but this form of gratuity does still happen on occasion.
    • Search the dump, sell your findings - The value of the items you find is going to be highly variable.
    • Search the city for items - This is dependent on your awareness... the finds are extremely variable.
    • Spread your referral link around the interwebz - ... assumes you have friends who would like Torn, or have a web-following of some kind. (podcast, streamer, blogger, etc.)
    • Scam players - Usually not worth the effort and can land you in the hospital for weeks/months making it difficult to play.
    • Company employee head-hunting - Typically requires a lot of communication as a "middle man” but if you have high work-stat friends who are active and not well connected, you can make decent money pimping them to company directors who are desperate for employees.
    • Complete missions - The cash return on missions is fairly low; furthermore, I would advise saving mission credits on weapon attachments, books, and special ammo as opposed to trading those mission credits for items that you later sell for cash.
    • Buy/Sell Companies - Company directors receive an additional 5% of their daily revenue toward the company "sell back value" and increasing the stars of a company typically increases the value of the company.
    • Extortion - This typically requires working with others who have high battlestats because you will often need to make-good on your threat to be taken serious. Examples include threatening company directors, “pay me $5m/day or I’ll hosp all your employees” | charging smaller factions for mafia-like-protection “pay us $25m/day or we’ll raid your faction and wreck your respect” | and good ol’ fashion dirty bomb threats, “You have until Thursday 16:00 TCT to pay us $1B, or we’ll drop a dirty bomb on you.” Note: This is a fantastic way to create enemies and test your ACTUAL respect in the game.
    • Import Armalites in Mexico and buy Full Body Armor from Big Als - This requires quite a bit of capital and persistence, but can be profitable when you land high stats!
    • Talk with your faction leader about proceeds from rackets. - This is a relatively new feature in Torn, but may be a good source of cash, points, and valuable items if you find a faction who distributes the racket-proceeds to members.
    • Talk with your faction leader about being paid to help with organized crimes, faction communication, and watching chains. - Some factions give a cut of the organized crime proceeds to the player(s) in charge of sorting the organized crimes.
    • Beg - You will annoy players and likely end up in the hospital, but there are reports of begging being effective at gaining small amounts of money.
    • Make friends in game, profit when they quit and give you some of their stuff - Interest in Torn tends to wax and wane as real-life kicks in… players get married, have children, get called up for military service, change jobs, start school, retire, go on holiday and return with a different outlook on life, etc.
    • Sell your bounty slots - Minimal money, but useful when you find a feud.
    • Run a company - Sell trains, profit from the effort of employees; typically requires a lot of capital
    Passive Income Sources (in no particular order)

    • Bank interest - Boosted by merits and bank stock dividend block
    • Stock dividends - Concentrate on stocks that have a yield
    • Rent properties out - Requires capital, requires a small amount of activity to list properties in the lease market upon a rental period expiring
    • Cayman interest - Relatively risk free gains, low yield
    • Use another player's bank and stock blocks - Requires a trustworthy friend and typically comes with a small holding commission from the other player
    • Buy a company and hire a trusted friend to run the company and pay you periodic distributions - Requires a trustworthy friend
    • Buy rare weapons (Dual SMGs, Neutrilux, GAK, Handbag, Egg Launcher) and rent them out.
    Pay-to-Win Income Sources (in no particular order)

    • Purchase donator packs for real life cash - Requires real life money
    • Subscriber rewards and subscriber lottery - Requires real life money
    • Pay to advertise your referral link - Requires real life money and experience with SEO or social media advertisements (JFK does this!)

    Bonus Material - Torn MBA from the Andyman School of Management

    To maximize your understanding and comfort level with the financial and economic associated with Torn, it helps to have a basic understanding of the following real-world financial/economic terms and concepts:

    Asset - Something owned with usefulness and value associated with it. Example - A Private Island is an asset because it increases your happy and has an established market value associated with it. NOTE: A player should be referred to as a resource, not an asset. Slavery is illegal!

    Opportunity Cost - The loss associated with choosing an option over an alternative option. Example - Buying a Gold Plated AK47 for $25,000,000,000 has an opportunity cost of at least $125,000,000 per month… because $25B invested in the Cayman Islands bank produces $125,000,000 per month in interest income. Think of this as “lost opportunity” from choosing a particular option over another.

    Fungibility - How easily an asset can be broken up into smaller pieces in terms of selling. Example - A six pack of alcohol is fungible because it can be turned into six separate bottles of alcohol.

    Liquidity - How quickly an asset can be converted into cash. Example - An item that can be sold back to the game for immediate cash is considered highly liquid; generally, the longer an item has to sit on the market before selling, the less liquidate that asset is… staff collectibles are typically considered non-liquid assets.

    Exponential Gain - The “snowball effect” associated with increasing at an increasing rate. Example - Battlestat gains from taking several consecutive stat enhancers will lead to exponential battlestat growth.

    Hedging - Protecting your investments/bets by taking actions that help balance the risk of something happening. Example - If a faction leader initiates a raid on a faction holding a dirty bomb, the faction leader might hedge their risk of getting dirty bombed by purchasing several hundred neumune tablets for their factionmates. If the faction does not get bombed, the leader can simply sell the neumune tablets. If the faction leader does get bombed, the neumune tablets will significantly lessen the lasting effects of the dirty bomb.

    Speculate - Make investments based on hope and conjecture. Example - Purchasing 10% of the glow sticks in the game with the hope that Chedburn makes a future change that gives glow sticks a useful purpose such as using a glow stick once per day to increase a player’s awareness by 50% for those 24hrs.

    Diversify - Spreading wealth into many different types of asset classes to reduce risk. Example - A player who has 100% of her passive investment $’s in 1 stock is completely dependent on the performance of that one stock and is not diversified; whereas a player who has 60% of her passive investment dollars invested in several different stocks, 25% in the bank, 10% in rental properties, and 5% in the Cayman Islands bank is much more diversified and likely is in a position to gain just as much networth over a long time period than the non-diversified player with considerably less risk.

    Elasticity - How sensitive the market price of something changes with the respective supply and demand. Example - How many less Xanax would be used if the market price of Xanax went up $350,000/ea?

    Cost Basis - The price you paid for an investment.

    Capital Gain/Loss - The difference between what you paid for an asset and the price for which you sold the asset. (If you sold the asset for more than what you paid, it is a Capital Gain; if you sold the asset for less than what you paid, it is a Capital Loss)

    Supply Chain Web - The “interconnectedness” of the market prices within Torn. Example - If point prices increased $25,000/ea, how would this price increase affect the number of individuals traveling to take advantage of the increase in flower/plushie profitability? If the travel runners are now buying flowers/plushies, what does that do to Xanax prices? If Xanax prices increase, how many players can no longer afford to take Xanax? What does this all mean for the WLT stock price?

    Yield - The return you can expect from an investment, calculated by simply taking the $ you expect to receive over a time period divided by the price of the investment. Example - If you bought a FHC stock block for $530,000,000 and that investment produces a $14,100,000 item once per week, the yield would be: ($14,100,000 x 52 weeks in a year) / $530,000,000 = 1.38 …simply multiply that number by 100 to turn it into percentage form of 138%.

    Rule of 72 - A super easy way to determine how long an investment will take to double based on a fixed interest percentage. This is calculated by simply taking 72 divided by the interest rate. Example - If you make an investment in something that pays 8% interest per month, the investment will take: 72 / 8 = 9 months to pay for itself.

    NOTE: There is currently no income tax in Torn… if Ched ever does implement some kind of income tax, I’ll be introducing you to another 7 terms!


    Other concepts that are beneficial to understand to speed up your progress in Torn

    • Factions purchase faction specials with a special form of currency called “respect.” It will be extremely beneficial to your gameplay to join a faction with faction specials that align with your goals.
    • Realize that your battlestat growth is ultimately a function of your income level. There are many "active" ways to increase your income such as the ones listed above; however, you should strive to increase your passive income as much as possible early in your gameplay to supply the growth your battlestats later on. If increasing your battlestats was done through a car engine; energy would be the fuel, happiness would be the air going into the cylinders, and passive income would be the oil that keeps the engine running smoothly. As the analogy suggests, having sufficient passive income ensures your battlestat engine stays lubricated and keeps your battlestat growth from stagnating.
    • Utilize “Happy Jumps” for training battlestats (especially battlestats under 1,000,000, and keep eating candy to maintain your full happy until hitting the stat-cap of 50,000,000.)
    • Put a focus on your Torn Education early in the game
    • Complete missions, use mission rewards for weapon attachments and books that fit your style of gameplay.
    • If you’re spending real $, subscribe to the game as opposed to buying donator packs
    • Never let your booster cooldown hit 0, drink beer and do crimes before going to bed!
    • Understand that Xanax is, by far, the cheapest form of energy in the game… and always take a Xanax before going to bed whenever possible. Furthermore, try to maximize the time your drug cooldown is active. If you do not see the little cannabis leaf icon, it means you are losing out on potential energy!
    • If you race, be sure to start a 100 lap race on either the Docks or Parkland before going to bed to build up your racing skill!
    • Seek out experienced mentors and think about your question(s) thoroughly before asking the question(s).
    • Avoid gambling in the Torn Casino
    • Avoid selling several items all at once (high risk in getting mugged)
    • Avoid allocating a large portion of your liquid assets into speculative ventures. ie. "I should buy all the energy cans during Christmas Town when prices are low, because those cans are guaranteed to go up in price several months later!"
    • Avoid giving out loans to friends at no interest
    • Avoid running a company without several committed friends who will work with you

    Other Official Andyman Recommendations

    • An early goal for this passive financial freedom is to get $2B invested with the bank as soon as possible. The bank provides a way to let up to 2 billion dollars of your money “work for you" by providing a moderate-consistent-risk-free return on flexible and relatively-short periods of time. (You can invest up to $3B if you happen to be working in a 10-star oil rig... which most players will not qualify for unless you happen to have a +180k Manual working stat) I typically advise sticking with either the weekly or bi-weekly investment horizons until hitting the maximum $2B amount; adding more cash along with the prior week's interest to the balance when renewing the investment. If you stick with it for several months, you will see this amount quickly snowball into a rather sizable amount of money. Once you get to the $2B mark, you can use the bank interest to finance xanax purchases / rehab in perpetuity. The daily interest you earn is a function of the liquidity you are willing to sacrifice, the longer the investment horizon, the more daily-interest you will earn.
    • After having $2B invested in the bank, start buying up stock of high-yield dividend stocks such as Feathery Hotel, Lucky Shot Casino, Home Retail Group, and Torn Medical and liquidate the dividends into more and more stock until you have all the dividend stock blocks. You will find this greatly increases your passive income.
    • I encourage every player seeking advice to set at least three short term (1-3 month), four intermediate term (4-12 month), and five long term (+12 months) goals. If you're having trouble coming up with goals...take a minute to identify what motivates you. Ask yourself: Who do I want to be known as? What do I want to achieve? Who can help me achieve these goals? And the most important part… write these goals down and TRACK YOUR PROGRESS toward each of these goals. Bonus points if you find a trusted player or group of players who keeps you accountable and motivated.
    • I also encourage each player to buy a bazaar and liquidate unused items. Items sitting in your inventory do not earn interest and the opportunity cost of that item value adds up rather quickly. (Remember, the value of those items COULD be earning you interest)
    • Put a price on your energy. If you determine your energy is worth $350,000 per 25e, than spending $1,250,000 on twenty-five points to refill your energy bar to 150 makes sense. (I’d say at a minimum, your energy is worth at least $225,000 per 25e… because that’s what a slut-attack should sell for + small first aid kit)
    • Avoid stacking energy, the opportunity cost is huge. It’s also risky to stack energy with xanax.
    • Split upkeep costs with a spouse whenever possible.
    • Drink beer. Turn your booster into cash through crimes. Seek out crime guides to figure out which crimes are best for building up your crime experience.
    • Buy and equip a Macana, it’s cheap, free to use (no ammo to buy) and the accuracy is outstanding.
    • Cash can be mugged. Xanax and points cannot be mugged. If you don’t have a property vault, faction bank, or company bank then you should keep your short-term assets in highly-liquidate assets like points and xanax. When you’re ready to offload a large portion of xanax/points, get a trusted higher-stat friend to buy them off you at a small discount… and take the proceeds to quickly purchase your next stock block, bank interest, gym, etc.

    If I’ve missed any method of earning an income, or you have advice of your own, please let me know and I’ll consider adding it to the curriculum! :)

    Thank you for reading,

    Andyman
    Oh hey, about the "Advertising service", which section would it fall in ?

  • LS UV1 [1980155]UV1 [1980155]
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    Posted on 06:24:32 - 12/05/20 (1 year ago)
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    Awesome guide, thanks
    420 hits. Nice! 
  • ~SA~ BadassBaxia [2456400]BadassBaxia [2456400]
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    Posted on 19:40:36 - 12/05/20 (1 year ago)
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    That's a Hella big guide, no wonder your wife says you're not human :D

    Good job btw
  • JFK™ Andyman [471591]Andyman [471591]
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    Posted on 14:13:41 - 02/06/20 (1 year ago)
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    Andyman [471591]

    Andyman's Guide to Diversifying Your Income

    The purpose of this guide is to showcase all of the different legal means of establishing an income as a Torn citizen. This is not intended to be a guide for a brand new player, but instead a form of enlightenment for the established Torn entrepreneur who may not be aware of certain aspects of the game or may be seeking ways to expand and diversify their source of income.

    I’ve personally tested each of the sources of income I’m listing and feel like I have a solid grasp on the hustles involved with each income-scheme listed.

    In general, there are three classifications of income:
    1.) Active Income - earning income through player engagement - “working for your money”
    2.) Passive Income - earning income on time - “your money working for you”
    3.) Pay-To-Win Income - putting real $ into the game for Torn cash - “feeding Chedburn”

    Active Income Sources (in no particular order)

    • Participate in contests and community events - Requires real-life creativity; the rewards can be very lucrative.
    • Attack Duke and other NPCs for a chance at loot, sell the loot - Requires waiting until loot level IV (exactly 210 minutes from the time the NPC gets out of hospital), chance to obtain loot rewards worth hundreds of millions and sometimes billions of dollars.
    • Run flowers/plushies/drugs - Must be Level 15 to travel. Be sure to purchase a large suitcase and rent a private island with an airstrip so you can import more items!
    • Mug players - Dependent on your battlestats, must be able to win the fight in order to mug successfully. Keep in mind quite a few relatively low-stat inactive players have cash on them derived from dividends and past bazaar sales. If you decide to spend thousands of energy mugging, you should commit to having 10/10 in mug merits. Finding mug targets is not rocket science… but takes patience and persistence.
    • Get a job, get paid - Your pay is going to be based on your workstats and activity. High revenue companies such as Logistics and Television Network tend to pay much better on average than other companies.
    • Cash-in on job points - There are several companies that have specials producing items/services worth millions of dollars.
    • Attack players and lose/run away on purpose - This is known as “slutting” and is demanded by players seeking defends. This process is little more than trading your energy & medical cooldown for money. Be sure to account for the expense of medical supplies when you are selling losses!
    • Crimes - Either work toward 18 nerve hacking or being on a PA Team - Hacking takes considerably less time (I’m talking years of active gameplay) to start earning tens of millions of dollars a week compared to serving on a Political Assassination team. Speed up your progress by drinking beer for cheap nerve (Beer can be bought at Bits and Bobs for $10/ea or in the item market for roughly $900/ea.) When you can successfully complete the 18-nerve hacking crime, you’ll have a high chance to be able to turn 18 nerve into roughly $200,000 cash or 18 beer ($16,000) into roughly $200,000 cash! It’s best to hack AFTER you've spent your energy due to the risk of sitting in jail for a while. NOTE: If you choose to gain cash through 18-nerve hacking, it will nullify any chance of serving on your faction’s Political Assassination team for several years… so commit to one or the other.
    • Sell Torn-related graphics in the forums - Requires real-life creativity and skill with graphic design software.
    • Shop Bits and Bobs - Buy beer at $10/ea, sell at $900/ea. Up to 100 a day. Requires items to be in stock! Other items such as bricks can be bought/sold this way too.
    • Christmas Town - This holiday event is extremely profitable... Walk around looking for items, open chests, and play silly games to win prizes. By being moderately active during this event, you can walk away from Christmas Town adding several hundred million to your networth.
    • Code viruses, sell viruses - Tiny profit, requires an education course and computer in your inventory
    • Racing - You will likely lose more than you earn until you get a high racing skill, but this can certainly be a source of profit. Occasionally there will be a race being organized in the forums where racers have a decent chance of winning something. Furthermore, if your faction leadership or company director sponsors races with prizes, be sure to join!
    • Bounty hunt - Typically requires decent battlestats, find bounties in the newspaper.
    • Mercenary and wall-sit - Typically requires relatively high battlestats, faction leaders will pay for your help attacking/defending territory and participating in chains.
    • Revive - Requires the brain surgeon special. Can be very profitable during large wars, especially utilizing faction revive specials.
    • Search forums for “I’m quitting” threads - Some players will give all their stuff away to the public upon leaving the game… usually based on some arbitrary/random game they come up with.
    • Search forums for “I just won the jackpot” threads - Some players get extra generous after winning a lottery or large jackpot.
    • Fill blood bags - Requires education. Low return, but filled blood bags are typically worth more than empty blood bags. This is a way to cash-in on your medical cooldown timer.
    • Trade items, points, stock and take advantage of arbitrage - Stalk item/points market, sell items/points slightly higher than what you bought them for. Requires working capital.
    • Purchase highly-liquid items at a small discount from new players who do not have a vault, faction bank, company bank, or other safe place to store their short-term assets. - Requires working capital, relatively high battlestats, and outreach to find a network of new players.
    • Play Poker against other players - (Edited: Poker was recently changed and I don't have much experience in the new system. It's my understanding Poker tables are now automated)
    • Play Russian Roulette against other players - Wait for some moron to come along and increase their chances of losing by clicking the 2x or 3x button… (Note: there may be a pattern to the RR games, but that is unconfirmed)
    • Create and submit Comics for the Newspaper; solve the crossword in the Newspaper- Requires real-life creativity/skill
    • Seek out game bugs, then report the bugs to Torn staff through proper channels - It’s difficult to find bugs, but this process can be very remunerative.
    • Serve as a staff member and sell the staff collectible item given to you - Requires being picked as staff and for a collectible item to be given to you. (Note: My staff torn wife says this is not allowed)
    • Bust for cash - This used to be a lot more common in Torn when busting required energy as opposed to nerve, but this form of gratuity does still happen on occasion.
    • Search the dump, sell your findings - The value of the items you find is going to be highly variable.
    • Search the city for items - This is dependent on your awareness... the finds are extremely variable.
    • Spread your referral link around the interwebz - ... assumes you have friends who would like Torn, or have a web-following of some kind. (podcast, streamer, blogger, etc.)
    • Scam players - Usually not worth the effort and can land you in the hospital for weeks/months making it difficult to play.
    • Company employee head-hunting - Typically requires a lot of communication as a "middle man” but if you have high work-stat friends who are active and not well connected, you can make decent money pimping them to company directors who are desperate for employees.
    • Complete missions - The cash return on missions is fairly low; furthermore, I would advise saving mission credits on weapon attachments, books, and special ammo as opposed to trading those mission credits for items that you later sell for cash.
    • Buy/Sell Companies - Company directors receive an additional 5% of their daily revenue toward the company "sell back value" and increasing the stars of a company typically increases the value of the company.
    • Extortion - This typically requires working with others who have high battlestats because you will often need to make-good on your threat to be taken serious. Examples include threatening company directors, “pay me $5m/day or I’ll hosp all your employees” | charging smaller factions for mafia-like-protection “pay us $25m/day or we’ll raid your faction and wreck your respect” | and good ol’ fashion dirty bomb threats, “You have until Thursday 16:00 TCT to pay us $1B, or we’ll drop a dirty bomb on you.” Note: This is a fantastic way to create enemies and test your ACTUAL respect in the game.
    • Import Armalites in Mexico and buy Full Body Armor from Big Als - This requires quite a bit of capital and persistence, but can be profitable when you land high stats!
    • Talk with your faction leader about proceeds from rackets. - This is a relatively new feature in Torn, but may be a good source of cash, points, and valuable items if you find a faction who distributes the racket-proceeds to members.
    • Talk with your faction leader about being paid to help with organized crimes, faction communication, and watching chains. - Some factions give a cut of the organized crime proceeds to the player(s) in charge of sorting the organized crimes.
    • Beg - You will annoy players and likely end up in the hospital, but there are reports of begging being effective at gaining small amounts of money.
    • Make friends in game, profit when they quit and give you some of their stuff - Interest in Torn tends to wax and wane as real-life kicks in… players get married, have children, get called up for military service, change jobs, start school, retire, go on holiday and return with a different outlook on life, etc.
    • Sell your bounty slots - Minimal money, but useful when you find a feud.
    • Run a company - Sell trains, profit from the effort of employees; typically requires a lot of capital
    Passive Income Sources (in no particular order)

    • Bank interest - Boosted by merits and bank stock dividend block
    • Stock dividends - Concentrate on stocks that have a yield
    • Rent properties out - Requires capital, requires a small amount of activity to list properties in the lease market upon a rental period expiring
    • Cayman interest - Relatively risk free gains, low yield
    • Use another player's bank and stock blocks - Requires a trustworthy friend and typically comes with a small holding commission from the other player
    • Buy a company and hire a trusted friend to run the company and pay you periodic distributions - Requires a trustworthy friend
    • Buy rare weapons (Dual SMGs, Neutrilux, GAK, Handbag, Egg Launcher) and rent them out.
    Pay-to-Win Income Sources (in no particular order)

    • Purchase donator packs for real life cash - Requires real life money
    • Subscriber rewards and subscriber lottery - Requires real life money
    • Pay to advertise your referral link - Requires real life money and experience with SEO or social media advertisements (JFK does this!)

    Bonus Material - Torn MBA from the Andyman School of Management

    To maximize your understanding and comfort level with the financial and economic associated with Torn, it helps to have a basic understanding of the following real-world financial/economic terms and concepts:

    Asset - Something owned with usefulness and value associated with it. Example - A Private Island is an asset because it increases your happy and has an established market value associated with it. NOTE: A player should be referred to as a resource, not an asset. Slavery is illegal!

    Opportunity Cost - The loss associated with choosing an option over an alternative option. Example - Buying a Gold Plated AK47 for $25,000,000,000 has an opportunity cost of at least $125,000,000 per month… because $25B invested in the Cayman Islands bank produces $125,000,000 per month in interest income. Think of this as “lost opportunity” from choosing a particular option over another.

    Fungibility - How easily an asset can be broken up into smaller pieces in terms of selling. Example - A six pack of alcohol is fungible because it can be turned into six separate bottles of alcohol.

    Liquidity - How quickly an asset can be converted into cash. Example - An item that can be sold back to the game for immediate cash is considered highly liquid; generally, the longer an item has to sit on the market before selling, the less liquidate that asset is… staff collectibles are typically considered non-liquid assets.

    Exponential Gain - The “snowball effect” associated with increasing at an increasing rate. Example - Battlestat gains from taking several consecutive stat enhancers will lead to exponential battlestat growth.

    Hedging - Protecting your investments/bets by taking actions that help balance the risk of something happening. Example - If a faction leader initiates a raid on a faction holding a dirty bomb, the faction leader might hedge their risk of getting dirty bombed by purchasing several hundred neumune tablets for their factionmates. If the faction does not get bombed, the leader can simply sell the neumune tablets. If the faction leader does get bombed, the neumune tablets will significantly lessen the lasting effects of the dirty bomb.

    Speculate - Make investments based on hope and conjecture. Example - Purchasing 10% of the glow sticks in the game with the hope that Chedburn makes a future change that gives glow sticks a useful purpose such as using a glow stick once per day to increase a player’s awareness by 50% for those 24hrs.

    Diversify - Spreading wealth into many different types of asset classes to reduce risk. Example - A player who has 100% of her passive investment $’s in 1 stock is completely dependent on the performance of that one stock and is not diversified; whereas a player who has 60% of her passive investment dollars invested in several different stocks, 25% in the bank, 10% in rental properties, and 5% in the Cayman Islands bank is much more diversified and likely is in a position to gain just as much networth over a long time period than the non-diversified player with considerably less risk.

    Elasticity - How sensitive the market price of something changes with the respective supply and demand. Example - How many less Xanax would be used if the market price of Xanax went up $350,000/ea?

    Cost Basis - The price you paid for an investment.

    Capital Gain/Loss - The difference between what you paid for an asset and the price for which you sold the asset. (If you sold the asset for more than what you paid, it is a Capital Gain; if you sold the asset for less than what you paid, it is a Capital Loss)

    Supply Chain Web - The “interconnectedness” of the market prices within Torn. Example - If point prices increased $25,000/ea, how would this price increase affect the number of individuals traveling to take advantage of the increase in flower/plushie profitability? If the travel runners are now buying flowers/plushies, what does that do to Xanax prices? If Xanax prices increase, how many players can no longer afford to take Xanax? What does this all mean for the WLT stock price?

    Yield - The return you can expect from an investment, calculated by simply taking the $ you expect to receive over a time period divided by the price of the investment. Example - If you bought a FHC stock block for $530,000,000 and that investment produces a $14,100,000 item once per week, the yield would be: ($14,100,000 x 52 weeks in a year) / $530,000,000 = 1.38 …simply multiply that number by 100 to turn it into percentage form of 138%.

    Rule of 72 - A super easy way to determine how long an investment will take to double based on a fixed interest percentage. This is calculated by simply taking 72 divided by the interest rate. Example - If you make an investment in something that pays 8% interest per month, the investment will take: 72 / 8 = 9 months to pay for itself.

    NOTE: There is currently no income tax in Torn… if Ched ever does implement some kind of income tax, I’ll be introducing you to another 7 terms!


    Other concepts that are beneficial to understand to speed up your progress in Torn

    • Factions purchase faction specials with a special form of currency called “respect.” It will be extremely beneficial to your gameplay to join a faction with faction specials that align with your goals.
    • Realize that your battlestat growth is ultimately a function of your income level. There are many "active" ways to increase your income such as the ones listed above; however, you should strive to increase your passive income as much as possible early in your gameplay to supply the growth your battlestats later on. If increasing your battlestats was done through a car engine; energy would be the fuel, happiness would be the air going into the cylinders, and passive income would be the oil that keeps the engine running smoothly. As the analogy suggests, having sufficient passive income ensures your battlestat engine stays lubricated and keeps your battlestat growth from stagnating.
    • Utilize “Happy Jumps” for training battlestats (especially battlestats under 1,000,000, and keep eating candy to maintain your full happy until hitting the stat-cap of 50,000,000.)
    • Put a focus on your Torn Education early in the game
    • Complete missions, use mission rewards for weapon attachments and books that fit your style of gameplay.
    • If you’re spending real $, subscribe to the game as opposed to buying donator packs
    • Never let your booster cooldown hit 0, drink beer and do crimes before going to bed!
    • Understand that Xanax is, by far, the cheapest form of energy in the game… and always take a Xanax before going to bed whenever possible. Furthermore, try to maximize the time your drug cooldown is active. If you do not see the little cannabis leaf icon, it means you are losing out on potential energy!
    • If you race, be sure to start a 100 lap race on either the Docks or Parkland before going to bed to build up your racing skill!
    • Seek out experienced mentors and think about your question(s) thoroughly before asking the question(s).
    • Avoid gambling in the Torn Casino
    • Avoid selling several items all at once (high risk in getting mugged)
    • Avoid allocating a large portion of your liquid assets into speculative ventures. ie. "I should buy all the energy cans during Christmas Town when prices are low, because those cans are guaranteed to go up in price several months later!"
    • Avoid giving out loans to friends at no interest
    • Avoid running a company without several committed friends who will work with you

    Other Official Andyman Recommendations

    • An early goal for this passive financial freedom is to get $2B invested with the bank as soon as possible. The bank provides a way to let up to 2 billion dollars of your money “work for you" by providing a moderate-consistent-risk-free return on flexible and relatively-short periods of time. (You can invest up to $3B if you happen to be working in a 10-star oil rig... which most players will not qualify for unless you happen to have a +180k Manual working stat) I typically advise sticking with either the weekly or bi-weekly investment horizons until hitting the maximum $2B amount; adding more cash along with the prior week's interest to the balance when renewing the investment. If you stick with it for several months, you will see this amount quickly snowball into a rather sizable amount of money. Once you get to the $2B mark, you can use the bank interest to finance xanax purchases / rehab in perpetuity. The daily interest you earn is a function of the liquidity you are willing to sacrifice, the longer the investment horizon, the more daily-interest you will earn.
    • After having $2B invested in the bank, start buying up stock of high-yield dividend stocks such as Feathery Hotel, Lucky Shot Casino, Home Retail Group, and Torn Medical and liquidate the dividends into more and more stock until you have all the dividend stock blocks. You will find this greatly increases your passive income.
    • I encourage every player seeking advice to set at least three short term (1-3 month), four intermediate term (4-12 month), and five long term (+12 months) goals. If you're having trouble coming up with goals...take a minute to identify what motivates you. Ask yourself: Who do I want to be known as? What do I want to achieve? Who can help me achieve these goals? And the most important part… write these goals down and TRACK YOUR PROGRESS toward each of these goals. Bonus points if you find a trusted player or group of players who keeps you accountable and motivated.
    • I also encourage each player to buy a bazaar and liquidate unused items. Items sitting in your inventory do not earn interest and the opportunity cost of that item value adds up rather quickly. (Remember, the value of those items COULD be earning you interest)
    • Put a price on your energy. If you determine your energy is worth $350,000 per 25e, than spending $1,250,000 on twenty-five points to refill your energy bar to 150 makes sense. (I’d say at a minimum, your energy is worth at least $225,000 per 25e… because that’s what a slut-attack should sell for + small first aid kit)
    • Avoid stacking energy, the opportunity cost is huge. It’s also risky to stack energy with xanax.
    • Split upkeep costs with a spouse whenever possible.
    • Drink beer. Turn your booster into cash through crimes. Seek out crime guides to figure out which crimes are best for building up your crime experience.
    • Buy and equip a Macana, it’s cheap, free to use (no ammo to buy) and the accuracy is outstanding.
    • Cash can be mugged. Xanax and points cannot be mugged. If you don’t have a property vault, faction bank, or company bank then you should keep your short-term assets in highly-liquidate assets like points and xanax. When you’re ready to offload a large portion of xanax/points, get a trusted higher-stat friend to buy them off you at a small discount… and take the proceeds to quickly purchase your next stock block, bank interest, gym, etc.

    If I’ve missed any method of earning an income, or you have advice of your own, please let me know and I’ll consider adding it to the curriculum! :)

    Thank you for reading,

    Andyman

    Zasty [2131289]

    Oh hey, about the "Advertising service", which section would it fall in ?
    "Active" if it involves your time/effort.

    Could you elaborate on what you mean by "advertising" with regard to what it all involves and how much income you derive from this? Are you paid on some kind of commission for head-hunting employees? Are you using a stock bonus or company special? etc.
  •   KIarkKent [2080813]KIarkKent [2080813]
    • KIarkKent [2080813]
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    Posted on 15:59:43 - 02/06/20 (1 year ago)
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    Wouldn’t be surprised if you are a professor irl at a university or work / run a data analysis company.
  • |X| sharx [1927463]sharx [1927463]
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    Posted on 08:10:38 - 20/06/20 (1 year ago)
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    I have won over 100m on Russian Roulette with this little trick here. 

    I used this method assuming the chances to win/lose are about 50 : 50 for each game.

    [not sure if that's the case, also remember even with 50 : 50 chances a longer losing streak is unlikely but possible]



    You start with 1m and doubble your entry bet till you finally win the game [1m, 2m, 4m, 8m, 16m, 32m, 64m, 128m .. ] this way you should end every time with 1m extra in your pocket. After your win you start again with 1m.

    Example:

    1. bet: entry= 1m, you lose
    2. bet: entry = 2m, you lose
    3. bet: entry = 4m, you win

    you paid 7m on bets and won 8m

    Last edited by sharx on 20:16:08 - 30/07/20

     

     

     

  • JFK™ Andyman [471591]Andyman [471591]
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    Posted on 12:37:27 - 21/06/20 (1 year ago)
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    sharx [1927463]

    I have won over 100m on Russian Roulette with this little trick here.

    I used this method assuming the chances to win/lose are about 50 : 50 for each game.

    [not sure if that's the case, also remember even with 50 : 50 chances a longer losing streak is unlikely but possible]



    You start with 1m and doubble your entry bet till you finally win the game [1m, 2m, 4m, 8m, 16m, 32m, 64m, 128m .. ] this way you should end every time with 1m extra in your pocket. After your win you start again with 1m.

    Example:

    1. bet: entry= 1m, you lose
    2. bet: entry = 2m, you lose
    3. bet: entry = 4m, you win

    you paid 7m on bets and won 8m
    Martingale doesn't protect you from mugs. 
  • IMP R0JoN [2535800]R0JoN [2535800]
    • R0JoN [2535800]
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    Posted on 13:26:02 - 21/06/20 (1 year ago)
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    This is Gold....Pure Gold
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