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How do I play the game - My Money Week

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How do I play the game - My Money Week Powered By Docstoc
					                              How do I play
                              the game?
Players take turns to progress around the board by pressing the space bar.
Each player is competing to win the level by becoming the first to meet all of the objectives
for that level. This is achieved by meeting the set targets for:

                     Net worth – your total worth, so your savings account + current
                     account totals, minus anything you owe on your credit card.


                     Wellbeing – affected by random events beyond your control,
                     as well as whether you can afford to keep yourself fit, healthy
                     and happy with items from the shops.


                     Financial capability points – gained by answering
                     questions in the different quizzes.


                     Mini games - there are some key mini games that must
                     be completed to progress to the next level.


The objective targets can be seen next to the icons at the bottom of the game board screen.
The first to hit the targets for each objective will win the level - all players will then move
onto the next level.
There are 3 levels in the game:
•	 Starting	it	(school	age)
•	 Sorting	it	(living	independently	and	starting	full-time	work)
•	 Settling	it	(settling	down	and	becoming	financially	stable)
The levels are increasingly difficult as the all the objectives become harder to achieve.

 Hint!
The challenge is to balance saving and money management
(your	net	worth)	with	saving	up	for	things	you	want	and	
pursuing events and pastimes that add to your happiness.
You can add to your wellbeing score by landing on shop
squares and buying items that might make you happy,
like yoga lessons and magazines!
      What are the different
      squares and functions
      on the board?
Pay Day
Every time you pass this square your pay will go into your current
account. Note you don’t need to land on the square to get paid!


Bank account tabs
This is where you can manage your money by looking at your
transactions and transferring money in between your accounts.
Click on each tab to expand and click again to minimise it.

NB – you don’t have a credit card on the first level
– you’re too young at that stage!

Fortune and Fate cards
- Fortune cards – good or bad turns of events that affect your money.
- Fate cards – happenings outside of your control that can affect your
  place on the board as well as your wellbeing.

Quizzes
Financial capability quizzes where you answer questions to gain money
and / or financial capability points
- Bank it – build a chain of right answers to earn extra money
  and fincap points.

- Playing the Markets – invest some of your money in shares that are
  affected by your own quiz answers! Gain money and fincap points.

- Question time – answer as many questions as you can within
  20 seconds to gain fincap points.
                          What are the different
                          squares and functions
                          on the board? cont.
                    Shops
                    You can buy various different items at each shop which will earn you
                    different amounts of wellbeing points:
                    - Hinrich’s House of Kultur – magazines, music, culture
                      and entertainment.
                    - Billy White’s Sporting Superstore – fitness and exercise clubs
                      and sports equipment.
                    - Sproggett’s Games - sweets , toys and entertaining trips for
                      young and old kids.
                    - Homer’s Oddities – anything you’ll need for your home
                      – including TVs, sofas, clothes and pets!

                    Needs
                    Unlike shop items, these are things you simply can’t do without.
                    Each time you pass this square you’ll have to choose whether to use
	   	               your	current	account	or	credit	card	(if	you	have	one)	to	pay	for	it.	

                    Mini games
                    Each level has mini games that focus on key financial challenges
                    appropriate to the life stage of your character – such as buying a mobile
                    phone or starting a pension.

Some	can	only	be	played	by	one	player	per	level,	and	are	just	an	opportunity	
for extra financial capability points while others are essential tasks for your
player, so must be completed before you can finish the level.
      Objectives
Net worth
You might have a load in your savings account but that’s not much
use if you’ve got even more money on your credit card! Make sure
you’re worth the right amount overall to get to the next stage.

 Hint!
Using your savings account can be a great way of making money on
what you’ve already earned – we offer very generous interest rates!
Transfer money from your current account to your savings using the
accounts tabs.

Wellbeing
Make sure you’re healthy and active, exercise your mind too and don’t
be afraid of treating yourself occasionally. Have a look at what’s in the
shop to help this.

 Hint!
Different items give you different amounts of wellbeing
points, so it’s worth saving your money for one that you
think will make your character happy. For example
- a musical instrument might make them happier than
a bar of chocolate!

Financial capability
If you’re going to progress to the next level, you’ll need to prove your
financial knowledge by answering questions in the different quizzes.
You get 20 financial capability – or ‘FinCap’ – points for each correct
answer in every quiz.

 Hint!
You can’t be expected to know all about financial capability yet
– so make sure you use the glossary to look up any terms you
might not understand, especially during the quizzes.
                          Account tabs
                          and Pay Day
                   Pay Day
                   You’ll notice you get paid at several intervals around the board – each time
                   you pass a pay day square money will be paid into your current account.
All players will be paid the same amount of money, though this amount will increase each level. Any
standing	orders	players	have	(for	insurance,	phone	bills	etc…)	will	be	taken	from	your	pay	on	pay	day.
Account Tabs
Each time you are paid, or gain money through another means, it’ll go into your current account.
When paying for bills or items, you can choose whether to pay for this with your current account
or credit card, or pay out money, you’ll need to use one of your bank accounts.
Here’s an explanation of each account section:
Current account
This is the account you use for day-to-day transactions, such as buying food and paying bills.
   - Your statement – this shows your recent incoming and outgoing payments for your standard account.
   - Regular payments – a list of your regular payments that come out of your account automatically.
     You can remove payments from the list, but only for non-essential outgoings.
   - Transfer money – manage the money within your different accounts. Pick an account to which
     you’d like to send money, type in the amount and press ‘go’.
   - Mortgage – your mortgage status, house value and monthly payment.

Savings account
It’s a good idea to keep your saved-up money here as you get paid interest from the bank
– a percentage of the amount in the account each month.
   - Your statement – shows your recent incoming and outgoing payments for your savings account.
   - Transfer money - manage the money within your different accounts.
     Pick an account to which you’d like to send money, type in the amount and press ‘go’.
   - Pension – your current monthly payment and the total amount in your fund.
Credit card
You can buy things using your credit card account, but remember – it’s borrowed money! When you buy
something with your credit card, the amount you spend is added to your total borrowing. If you don’t
repay the full amount, you will start paying interest – extra money that builds up each month.
   - Your statement – shows your recent incoming and outgoing payments for your savings account.
   - Interest – How much your amount owed is growing each month.
   - Credit limit – this is the maximum amount of money you can spend on this account.
     Remember it’s not your money!

 Hint!
Keeping an eye on your accounts is good way to make sure you’re saving enough money,
especially using your savings account. As you go through the levels, you’ll notice more
and more incoming and outgoing transactions in this section, so it’s a handy way to keep up.
                          Fortune and Fate cards
Ahhh, fickle fate and fortune! They lurk round every corner just ready to ruin our
best laid plans with a banana skin to slip on or a drive-by dry cleaning bill.
Land on these squares and the only thing you can expect is the unexpected.
Could be good…could be bad, but either way you’ll know that somehow
life is laughing at you.

                   Fortune cards
                   Fortune cards mainly feed into your bank balance.
                   Pick a good one and you’ll be laughing all the way to the bank.
                   Pick a bad one and your net worth will take a hammering.
                   Fortune cards can also feed into your wellbeing score.

                   Fate cards
                   Fate cards are a little more complicated than Fortune cards,
                   but equally as unexpected.
                   They feed into your wellbeing score both positively and negatively.
                   They can also affect your position on the board, and even force you
                   to miss a go so think carefully before picking them up.

 Hint!
Fate cards are a great way of boosting your wellbeing score but be careful as they can
be negative as well as positive!
                          Quizzes
On the main game board there are three different types of quiz. The quizzes are the main
way to increase your financial capability points score with every question you get right
earning you 20 financial capability points.

                   Question time quiz
                   Aim: In this quiz you’ve got just 20 seconds to answer as many
                   multiple choice questions as possible. Each correct answer gets
                   you 20 financial capability points.

                   Bank it quiz
                   Aim: In this quiz each correct answer earns you extra money
                   and financial capability points which you can either bank
                   between questions.
                   Alternatively, you can try getting consecutive correct answers from
                   the total of 5 questions without banking and build up a bigger stack
                   of money.

                   Playing the market quiz
                   Aim: In this quiz you invest some of your own money in shares.
                   As you answer the 5 questions, your right or wrong answers affect
                   the share value that you take out as cash at the end of the quiz.
                   You can only bet a little if you like, but the higher the risk the greater
                   the potential reward to your net worth score.

                   Each quiz question you get right also gives you 20 financial
                   capability points.

 Hint!
The more questions you answer correct in the Bank It quiz without banking,
the more cash you’ll receive. However, if you get one wrong you’ll lose all the
points you’d already made, so be careful when you gamble.
                          Shops
The shops are where you spend the money you’ve saved. They’re not your regular stores
though, they have a weird and wonderful mix of items and experiences that’ll increase your
character’s wellbeing levels.

Here are a few of the items available at each shop:
	    	             •	 Hinrich’s House of Kultur – magazines, DVDs, MP3 players,
	    	             	 cinema	tickets,	musical	instruments,	Spanish	lessons.

	    	             •	 Billy White’s Sporting Superstore – bikes, pogo sticks,
                      football boots, yoga lessons and gym memberships.

	    	             •	 Sproggett’s Games – sweets, toys, music lessons for kids
                      and trips to the circus.

	    	             •	 Homer’s Oddities –– things for your home: tables, chairs,
                      trainers, hats and pets!
Pay Day
    Hint!
To win each level you need to get the right balance between saving
and spending: if you hoard you’ll just be bored so don’t expect your
wellbeing to be high. But if you spend spend spend you won’t hit
your saving targets. Think of which items might bring your character
the most wellbeing and save up for one of them.
                         Needs
                   Everybody has things that they need to buy to get on with life,
                   whether it’s a bus fare to get to school or the occasional hair cut
                   when you’re getting too shaggy round the edges.

                   None of us have any choice in buying these things as we need them
	    	             to	get	by.	So	in	the	game	whenever	you	pass	over	a	Need	square,	
                   you’ll get a randomly selected debit from your account even if you
                   haven’t landed on it.

                   The good thing about that is that you can then land on a much better
                   square in the same go and make some money back!

    Hint!
If you can see a Needs square is coming up on the board try to make
sure you’ve got some money in your current account by transferring
it from your savings account. That way you can avoid getting caught short.
                          Mini games
In each level there are mini games for you to play. Each of these mini games focuses in on
a particular financial challenge that we all have to make from understanding your payslip
to picking a pension to suit your needs.
How well you do in the mini games will feed into your overall bank balance and standing
orders as well as your financial capability and wellbeing scores and help you meet your
level objectives.

Level 1
                   Textris
                   Aim: You need to get phone, but first you need to prove your worth.
                   This quiz will test your mobile phones savvy. The more points you get
                   the better your phone.
                   To play, complete the missing-word phrases against the clock, by
                   placing the correct words in the gaps. The more correct answers you
                   get, the more points you earn - but with each new phrase the wall gets
                   closer and closer to the top, so it’s trickier to find the missing word in time.
                   Controls: Up arrow – change missing word option
                   Left / right / down arrows – move the descending word into position.
                   How it affects you: Financial capability and wellbeing points are
                   awarded depending on how many answers you get correct.
                   Once you finish the game you will receive a £10 standing order that
                   comes out of your account every time you pass through the pay
                   day square.

Level 2
                   Granbo
                   Aim: Your friend Anna, a manger of a large donut-making company,
                   is thinking about starting her pension and she’s come to you for help.
	   	              Slide	the	scales	on	the	pension-o-meter,	advising	Anna	on	three	aspects
                   of her pension:
	   	              •	 The	type	of	pension
	   	              •	 When	to	start	paying	in
	   	              •	 How	much	to	pay	in	monthly
                   You’ll get feedback on what’ll work out best for Anna.
                   Once you’ve chosen Anna’s pension you’ll get
                   an opportunity to choose your own.
                Mini games cont.
          Controls: Use your mouse to select the different options in the
          pensionometer, and then use it again to destroy the marauding robots
          with your water pistol
          How it affects you: Financial capability points are awarded depending
          on your choice for Anna’s pension.
          Once you finish the game a pension will be set up in your account tabs
          that you will pay into every time you pass through the pay day square.
          The pension will earn interest so will increase your net worth.

Level 2
          Raising the Woof
          Aim: Owning a pet is a hugely rewarding experience, but it’s also a lot
          of responsibility. It takes a combination of time, energy, love and money
          to make sure that your pet is happy and healthy.
          In this game you need to do just that. Over 3 levels you need to keep
          your new dog Max’s Woof-O-Meter high by making sure you look after
          him in response to his various thoughts.
          Many of the items you need to keep him happy cost money and you’ve
          only got £200 in your budget to make it to the next level.
          Controls: Use the mouse to drag and drop items and play, stroke or
          shave the dog.
          How it affects you: Wellbeing points are awarded depending on how
          high you manage to keep your dog’s Woof-o-meter levels.

Level 3
          Beau selecta
          Aim:	To	pick	your	perfect	life	partner	using	our	natty	Beau	Select
          a fruit machine.
          Controls: Follow the instructions on screen and use your mouse
          to operate the machine.
          How it affects you: You get a partner, and some wellbeing points
          to boot!
              Mini games cont.
        Tot Spot
        Aim: Having a child is utterly amazing, but it’s also one of the most
        challenging experiences that life can throw at you both emotionally
	   	   and	financially	and	a	life	long	commitment.	Tot	Spot	is	here	to	give	you
        a tiny flavour of that!
        In this game you need to look after your twin children by feeding them,
	   	   changing	their	nappies	and	playing	with	them	all	within	a	tight	budget…
        you may even need to burp your little bundles of joy every now and
        then as well!
        If you can manage your budget and keep your babies happy then you’ll
        make it to the next level.
        Controls: Use the mouse to drag and drop items and play, burp or
        clean your babies.
        How it affects you: Wellbeing points are awarded depending on how
        high you manage to keep your babies’ Baby-o-meter levels.
        Once you finish the game you will be able to choose how many
        children you would like to have for the rest of the game.
        Each child you have will cost a certain amount to look after and this will
        come out as a standing order from your account every time you pass
        through the pay day square.
        However, each child you have will also give you wellbeing points every
        time you pass through the pay day square.

        Bricks and pieces
        Aim: Bricks and Pieces is your very own virtual building simulator
        where you can play your way to a dream home.
        To start the game you need to answer some questions about home
        finance and gain lives.
        Then you get building your dream home by moving a paddle and
        bouncing a ball around to break blocks.
        You can add storeys to your home or grow your paddle by picking up
        the icons that fall from above, but be careful as not all the icons will
        help you out.
        Controls: Click the mouse button to start the ball moving and move
        your mouse left and right to move the paddle at the bottom of the screen.
        How it affects you: Financial capability and wellbeing points are
        awarded depending on how many answers you get correct and how
        high you can build your house.
                         Mini games cont.
                      Once you finish the game you will get a choice of whether you
                      would like to get a mortgage or rent your property.

                      The cost of each choice will come out of your account as a standing
                      order every time you pass through the pay day square.

                      Rent just gets paid out of your account. Mortgages, however, will
                      increase your total net worth the more that you pay into them.

Other
                   Payslip puzzler
                   Aim: You know that brilliant little envelope you get around payday
                   each month? You’ll need to understand what everything on there
                   actually means!
                   Match the financial terms in each section by dragging and dropping
                   them onto the empty spaces beneath the explanation boxes, then click
                   the check answers button.
                   You have to try again with any wrong answers
                   Controls: Use the mouse to drag and drop the financial terms in the
                   payslip to the spaces below the definitions on the right hand side.
                   When you’ve placed all the definitions click on the “check” button to
                   see how many terms need to be replaced.
                   How it affects you: Financial capability points are awarded depending
                   on how many attempts you take to complete the game.

 Hint!
Some	mini	games,	like	Payslip	Puzzler	can	only	be	played	by	one	
player per level, so make sure to beat your opponents to the square
if you want to bag the extra points.

				
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