Credit Union Financial Education Game Phase 2

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Contents

New features

  • New college and work paths with unique and individual quests, salaries, random promotions, and fail rates.
    • College:
      • Architect
      • Video Game Designer
      • Lawyer
      • Teacher
      • Doctor/Nurse [*]
      • Accountant [*]
    • Non-college (work):
      • Restaurant Server
      • Salesperson
      • Construction Worker
      • Police Officer
  • New buildings:
    • Mall with clothing store and restaurant
    • School with library, computer lab, and architecture section
    • Police station
    • Construction yard
  • New dialog system
  • Random event system
  • Tutorial quest that teaches basics of SL and improves familiarity with locations in the island
  • House quest
  • Multiplayer interactive quests between careers [*]
  • New island design to improve usability

[*] = not in-game yet.

Storyline

Game Scoring Formula

GameScore = ( (houseEquity + cash + Balance401K) * (CreditScore/PerfectCredit) )/100

(perfectCredit is 850)

Costs

Initial Finances:

  • cash: $2000
  • game score: 0
  • credit score: 645
  • Age: 18
  • no 401K
  • no job
  • no home
  • no car

House (Buy) INTEREST: 30-year fixed, rate based on credit score (using table given by Scott)

  1. $80,000
  2. $150,000
  3. $350,000
  4. $600,000
Credit Score Loan to Value Interest Rate
0-629 0-79% 8.75%
0-629 80-89% NA
0-629 90-94 NA
0-629 95-99% NA
0-629 100-103% NA
630-659 0-79 7.75%
630-659 80-89 8.375
630-659 90-94 8.75
630-659 95-99 NA
630-659 100-103 NA
660-699 0-79 7
660-699 80-89 7.5
660-699 90-94 8.125
660-699 95-99 NA
660-699 100-103 NA
700-739 0-79 6.25
700-739 80-89 6.75
700-739 90-94 7.375
700-739 95-99 7.75
700-739 100-103 NA
740-778 0-79 6.25
740-778 80-89 6.5
740-778 90-94 6.75
740-778 95-99 7.5
740-778 100-103 8.5
779-805 0-79 6.125
779-805 80-89 6.375
779-805 90-94 6.625
779-805 95-99 7.25
779-805 100-103 8.25

Apartment (Rent)

  1. $400/month
  2. $800/month
  3. $1200/month

Cars (Buy) INTEREST RATE

  1. $4,000 (used car) buy outright -> life expectancy 2-5 years -> trade in value: $1,500
  2. $19,000 (decent new car) -> 48 months @ 5.99% -> life expectancy 2-10 years -> trade in value: $7,000
  3. $55,000 (luxury car) -> 48 months @ 3.25% -> life expectancy 2-10 years -> trade in value: $14,000

Car Repairs

College Majors

  1. Medical Doctor: $300/month for 10 years 15% Fail rate
  2. Lawyer: $300/month for 7 years, 10% Fail rate
  3. Video Game Designer: $300/month for 4 years, %6 Fail rate
  4. Architect: $300/month for 6 years, %8 Fail rate
  5. Teacher: $300/month for 4 years, 3% Fail rate
  6. Nurse: $300/month for 3 years, %4 Fail rate
  7. Accountant: $300/month for 5 years, 6% Fail rate

Jobs (College)

  1. Medical Doctor: $90000, %5 increase/yr, Cap at 50 yrs old, Random promo: Chief of Medicine 25%
  2. Lawyer: $75000, 5% increase - cap at 50, Radom promo: Partner %25
  3. Video Game Designer: $50000/yr, 5% increase, Random promo: Team Lead 20%
  4. Architect: $65000/yr, 3% raise/yr, Random promo: Partner %25
  5. Teacher: $40000, %3 increase, Cap at 50, Random Promo you become Principal 25%
  6. Nurse: $40000, %3 increase, Cap at 50, Random Promo, you become head of Nursing 20%
  7. Accountant: $55000, 5% increase, Random promo: Partner %25

Jobs (Non-college)

  1. Construction Worker: $35000, %3 raise, Cap at 50 yrs old
  2. Server: $25000, 2% raise, No cap
  3. Police Officer: 300/paycheck 1.5 yrs then $40000/yr, 3% pay raise, Cap at 50 yrs old
  4. Retail Salesperson: $20000/yr, 4% pay raise, No cap

Credit Cards - not implemented yet

Random Events

College

  • Win free books for school. Win $200.
  • Grandma sent you a check. Win $150.
  • Broke your arm. Lose $300.
  • Congratulations. You made the football team. Lose $600 for uniform.
  • Happy Christmas. You received cash gift. Win $350.
  • Computer is broken, need to buy a new one. Lose $1000.
  • Go on spring break. Lose $750.
  • You loose your Tuition, you need to drop out and get a job (this may take some programing, but it would be great if we could tie the two together in as much as the ability to make them transfer from one path to another
  • Your Research is going well, but you need to travel abroad for the next phase. It cost you $2,500
  • You Join a Fraternity, you need to pay 1,000 a year in dues

Job

  • Scratch and win lottery ticket. Win $500.
  • Got a parking ticket. Lose $25.
  • Win prize at halftime football game. Win $250.
  • Lost your rent money. Lose $400.
  • Kids
    • Congratulations for having twin boys. Pay $800 for daycare/month.
  • Theft.
  • Marriage.
  • Lost Job for <random> months.


Random Events for Police:

  • You need to buy new Uniforms, pay 500.00
  • You need to go to Defense Training school, pay 250.00
  • You are commended for Meritorious Service, receive 1000 grant from the city
  • You are too rough with a perpetrator, He sues you, defense costs exceed 10,000. (Again, this would be a great place to give the users some choices. In this situation, the 10K loss should significantly drain their money supply, and possibly cause BK. However, what would be great is the ability to give them a choice to go to the financial institution to see if they can get a loan for the costs.)
  • Your partner gets married, you are the best man, pay 500.00 for bachelor party

Random Events for Retail:

  • You do a great Job at work, you are given the Employee of the Month award and a 150.00 bonus
  • The store you work at changes owners, you need to pay for new uniforms, cost 250.00
  • You upset a customer, your manager cuts your pay by 10%, it costs you 2500.00 for this year
  • You show real promise, So you choose to go to management school, pay 3,000 (you may need a loan to help pay)

Random Events for Server:

  • You win a Contest, You are the fastest server in the region, win 500
  • You are employee of the month, and you get a bonus of 150.00

Random Events for Construction Worker

  • You Join a Union, pay 500/year in Dues
  • Your Tools are stolen, you did not have renters insurance, so you need to go buy new tools, cost 2,500 (good learning opportunity here, no insurance, perhaps this is where we begin to introduce the insurance quests and lessons.)
  • You are asked to be a foreman, you get a one time bonus of 2,500.
  • You fall off a ladder and are injured, you do not have Disability insurance, you are out of work for 2 months, loose 4,000 (This could be a nice quest in the making about life, disability, and other insurances
  • You decide to start your own contractors business (another possible quest) you need to prepare for the contractors license test, pay 500.00
  • You start your business, (this becomes a future quest on entrepreneurship)



Random events for Careers:

Medical Doctor:

  • You take a preparation course to pass the medical board tests, pay 5K
  • You are initiate a research project, receive 10K stipend for your work
  • You are sued by a patient, Mal-Practice Insurance covers 90% of cost, you must still pay 25,000 in legal fees
  • You start your own Practice, (another possible Quest for entrepreneurship) pay 20K in startup costs
  • You Are picked to a medical Board of Directors, receive 10K for your support


Lawyer:


Video Game Designer: $50000/yr, 5% increase, Random promo: Team Lead 20% Architect: $65000/yr, 3% raise/yr, Random promo: Partner %25 Teacher: $40000, %3 increase, Cap at 50 Nurse: $40000, %3 increase, Cap at 50 Accountant: $55000, 5% increase, Random promo: Partner %25

Quests

College Quests

Career Path Quest
Architect go to classroom, type on computer, hologram of building appears
Video Game Designer go to classroom, type on computer, game packaging appears
Lawyer go to library, research in law books
Teacher go to library, create lesson plan
Doctor/Nurse go to library, research/study
Accountant go to library, do HW

Non-College Quests

Career Path Quest
Police Officer go to accident spot, click on vehicle, go back to police station and report accident.
Server go to restaurant, click on tables, dialog pops up for the food they wanted, go to kitchen, pick up the food, serve the correct food to correct table.
Salesperson go to mall, go to store, get an random item for customer.
Construction Worker go to school, get a job order, go to office/place to fix it.

Career Quests

Career Path Quest
Architect Meet with Doctor to build addition to Clinic
Video Game Designer Work with Account to research for education game
Lawyer Meet with Architect to defend in Bridge Collapse suit
Teacher Work with Video Game Designer to build education game
Doctor Work with Nurse to discuss a patient's chart
Nurse Work with teacher to provide vaccines for school kids
Accountant Request a lawyer to defend in court case over customer's taxes
Police Officer Meet wih salesperson to arrest shoplifters.
Construction Worker Meet with server to have something to eat.
Salesperson Meet with construction worker for a new display for store.
Server Meet with police officer to report stolen property.

Tutorial Quest (Treasure Hunt)

  • Buying an item
  • Inventory management
  • Wearing/Equipping an item
  • Chat
  • Customize appearance
  • Fly
  • Teleport
  • Zoom
  • Find building locations


Car Quests

  • Get Gas from Gas Station
  • Get car repaired at Repair Shop
  • Buy car at Dealership
  • Finance Car at CU

Multiplayer Features

  • Player can buy a house from another player.

List of items needed from designers

General:

  • Big, glowing arrow pointing down
  • Poster template (how to buy a car, house etc)
  • Wall to seperate the islands
  • NPC (improved, without computer as head) [low priority]
  • more NPC variants
  • signs for buildings (school, housing etc)
  • signs for library sections (architecture, computer science, finance, medicine, education)

College:

  • Computer
  • Bookshelf
  • Noticeable briefcase for holding
  • High priority:
    • Architect: Drafting table
    • Video Game Designer: Game packaging box
    • Lawyer: Books, Contract
    • Teacher: Books, Lesson plan
  • Low priority:
    • Doctor/Nurse: Dummy for CPR (Cardiopulmonary resuscitation)
    • Accountant: Printing calculator

Careers:

  • High priority:
    • Salesperson: Retail store in mall, clothing in store (jeans, shirt, etc)
    • Server: restaurant, tables, pizza, hamburger
    • Construction worker: Hammer, wrench, toolbox, workshop table, small house
  • Low priority:
    • Police Officer: crashed car, police car with siren
  • Construction worker: School offices, with leaky and fixed texture for pipes/AC/broken stuff.

Car Dealership:

  • Ramp/spinning platform.
  • improvement to differentiate cars for sale from player owned cars (platform?, different ground texture?)

Improvement for mall: [high priority]

  • improve textures (walls, floor)
  • increase space for clothing shop
  • too many walls
  • more clothes

Textures needed:

  • book textures
  • game packaging texture
  • texture for teleporter locations for each building

Building List:

  • school
    • library + computer room in school [high priority]
  • mall
    • restaurant
    • clothing store
  • police station
  • construction site
  • credit union
  • career offices (Video Game Designer, Lawyer, Teacher, doctor/nurse, accountant) [low priority]

Related Work

A great resource for curriculum ideas as well as game concepts: http://www.360financialliteracy.org/

Retrieved from "http://steam.cs.ohiou.edu/vitalwiki/index.php/Credit_Union_Financial_Education_Game_Phase_2"