I have been playing the Sims long time since the launch of the first game. My favourite expansion pack has always been Open for Business in the Sims 2What disappoints me is that still the developers have not realised the monetary importance to include it in the game. I Have written so much about it years ago. Sims games should have Banks, individual bank accounts, credit cards, ATMs, Wall Street, Investments, Loans, Stock exchanges etc. These can be fun to play with and also educational for the young. I really hope they consider these suggestions for the The Sims 4. Aren't we players pay for the game? don't we pay using our credit cards? there are so many things they can add to the game to make it advance and be really cool than a sim dying from a laughter!!Here are some suggestions for adding the importance of money in the game:1- Presence of a bank and a Stock exchange to provide all financial solutions for the sims2- Sims to have individual bank accounts and (debit & credit) cards other than the family account3- Sims to be able to apply for different bank loans( housing loans, personal loans, auto loans etc), and interest to be deducted from the individual account if it is a single sim loan or from family account if it is a joint loan4- Fixed deposit where sims place money at the bank for a marginal low profit for a fixed time of period. higher the period the higher the profit.5- Investments with different degree of risks. The higher risk investments might give higher profits or higher risk by losing big chunk of the capital or all of it.6- Sims to be able to buy and sell stocks in the stock exchange. That itself can be a fun mini game in the game. When a Sim opens a business at some higher levels he can enlist his business in the stock exchange so that other sims can buy the stock of his business.7- Offers in the neighbourhood to get points or free gifts from the community shops for the sims who use their credit cards! the more a sim uses his credit cards, the more points accumulated which he can exchange it for something free be it an object, dinner at restaurant, cinema ticket etc.These are just few basic points than can add up a lot of opportunities to the game. Our real world is like a sim world. so I hope the developers open their eyes and look around and add the basic and important stuff in the sims game.Its about time these essential things added to The Sims game

Why would we really need this? And even if it did have it, who would really take the time to study all that? :?

I like the premise of your idea but I think you're over thinking it a bit. Businesses are a must. Loans would be awesome. Sims mortgaging houses could add interesting gameplay. Stock market career could be kinda cool. I would like a bank. I would like to get interest on my sims account. It might actually be nice if rarely (like every 20-30 sim weeks) a recession hit. Helping sims work out how to save money would be a welcome challenge. But sims have no need for credit and debit cards. This is too realistic forr the sims that needs to have some interactions implied rather than shown to maintain its quirkiness. Atms could be decor in banks but sims don't need them. Unless they simply have a pay-in function to ensure you get your interest.However, none of this matters without real business so lets hope that is done right first. :D

I think it would be cool to have every member of the household to have seprate accounts and parents could give children and teens allowance to save up for college of a car or what ever. :wink:

I've been begging for a banking system for years, way back since TS2. So yes, this is a great idea!What really gets on my nerves is when a family member moves out, they either take everything with them or nothing. If they've worked since they were a teen and created some wealth for themselves, they should at least have a bit of their starter funds. And if their parents can afford, they should be able to gift them some.But I love all of your ideas. Maybe not necessarily using the credit card, but that's actually not a bad idea. My sims would probably rack up a lot of debt buying things they can't actually afford.

For me this would just be unnecessary minutiae and I doubt if I'd ever use it. My Sims are more about seeing what mischief they can get into. IRAs and money markets are the last thing they worry about.

4 sims games and still no bank or banking system?

peopleperson69
11 years ago
Jesus Christ this thread was over 6 months dead....
http://forums.crackberry.com/attachments/news-rumors-f40/179809d1373210666t-apple-going-down-billions-tax-fraud-thread-necromancy.png
kate2591
11 years ago
I think this is far too complicated for the Sims. I play it to relax, I don't want to have to think about the complexities of real life while I'm playing!

I think if you want a financial system of this depth it needs to be a specialist financial simulator game.

The only money function I wish we had was when you move Sims out of a household, you should be able to decide how much of the household funds they take with them.
Cinderellimouse
11 years ago
I would like banking in TS4.

I have banking in TS3 with the help of mods. There is a bank in my main world where sims can go to loan money, or set up a savings account, or put something valuable in a safety deposit box. Business sims work at the bank and apply interest to the loans. My sims have safes and/or piggy banks at home for storing their money. I also have things like tip jars and collection plates on community lots. I also use Ani's tax collector mod to collect taxes to raise money for community projects in my town, and to raise funds for different buildings, like the church or library.

I like having that complex financial system in place, I like having that depth of gameplay. I've always wanted a kind of cross-over game between sims and SimCity, I'd like to be able to manage the whole town/world and make decisions that affect the whole community.
cauliflowers
New Spectator
11 years ago
4 sims games and still no proper english

/rant
g01denswan
Seasoned Observer
11 years ago
"Cinderellimouse;13050716" wrote:
I would like banking in TS4.

This^

"Cinderellimouse;13050716" wrote:
I like having that complex financial system in place, I like having that depth of gameplay. I've always wanted a kind of cross-over game between sims and SimCity, I'd like to be able to manage the whole town/world and make decisions that affect the whole community.

And this^
NoWayJose527
11 years ago
"halimali1980;756980" wrote:
I have been playing the Sims long time since the launch of the first game. My favourite expansion pack has always been Open for Business in the Sims 2

What disappoints me is that still the developers have not realised the monetary importance to include it in the game. I Have written so much about it years ago. Sims games should have Banks, individual bank accounts, credit cards, ATMs, Wall Street, Investments, Loans, Stock exchanges etc. These can be fun to play with and also educational for the young.

I really hope they consider these suggestions for the The Sims 4. Aren't we players pay for the game? don't we pay using our credit cards? there are so many things they can add to the game to make it advance and be really cool than a sim dying from a laughter!!

Here are some suggestions for adding the importance of money in the game:
1- Presence of a bank and a Stock exchange to provide all financial solutions for the sims

2- Sims to have individual bank accounts and (debit & credit) cards other than the family account

3- Sims to be able to apply for different bank loans( housing loans, personal loans, auto loans etc), and interest to be deducted from the individual account if it is a single sim loan or from family account if it is a joint loan

4- Fixed deposit where sims place money at the bank for a marginal low profit for a fixed time of period. higher the period the higher the profit.

5- Investments with different degree of risks. The higher risk investments might give higher profits or higher risk by losing big chunk of the capital or all of it.

6- Sims to be able to buy and sell stocks in the stock exchange. That itself can be a fun mini game in the game. When a Sim opens a business at some higher levels he can enlist his business in the stock exchange so that other sims can buy the stock of his business.

7- Offers in the neighbourhood to get points or free gifts from the community shops for the sims who use their credit cards! the more a sim uses his credit cards, the more points accumulated which he can exchange it for something free be it an object, dinner at restaurant, cinema ticket etc.

These are just few basic points than can add up a lot of opportunities to the game. Our real world is like a sim world. so I hope the developers open their eyes and look around and add the basic and important stuff in the sims game.

Its about time these essential things added to The Sims game

I've been saying the same things for years now. I really don't understand how such an essential part of life can be totally ignored for so long. There are so many possibilities with a "financial" EP -- although banking, IMHO, should be part of any Sims base game. Hey, banks could even give away toasters to sims who open accounts! :smiley:
Fluteline24
New Spectator
11 years ago
Holy mother of everything good in the world.

NO!

I'm not playing this game to recreate every inch of reality - I'm playing the game to escape it! Bank accounts for each family member maybe, but I do not want a stock market! I get confused with economics in real life - I don't want to stress out about it in a game!
simmese
11 years ago
No thanks ... theres 'gameplay realism' and then theres way too realistic
I play my Sims games to get away from money trouble , if they added all that it'd kill the game for me
Cinderellimouse
11 years ago
"simmese;13053248" wrote:
No thanks ... theres 'gameplay realism' and then theres way too realistic
I play my Sims games to get away from money trouble , if they added all that it'd kill the game for me

I respect that some players feel this way. However, if players don't want to take a loan, then they don't have to take one out. Just ignore that feature of the game. Likewise, if players don't want to worry about money, just enter a money cheat. I feel like it is unfair to NOT have a feature just because some players won't like it. What about those who WOULD like it?

For so long in TS3 we would see players complaining in the forums that the game is too easy, that it is too easy to make money. So much so that I personally feel like ALL my sims become rich in a matter of days. I don't want all rich sims. I want a few rich sims. The rest I want to struggle, or just be getting along.

I do understand that some players may have real-life money trouble, and they don't want that care in the game. As I said before, the money cheat is there if you need it. I'd like to add that I am in a very tight real-life financial situation too, and I WOULD like my sims to reflect what I feel is real life. Lots of aspects of real life. For some of my sims, not having money is part of their character, that is their challenge in their life. Other sims may have a lot of money, but may not be happy for other reasons.

Finally, I would like to point out the benefit of loans. Say... you just moved a sim into a small home, but didn't have enough money for the kitchen. You plan to make money by painting, but you can't afford a canvas. You could have your sim apply for a small loan to finish the furnishing and buy a few canvasses (by the way... I love that we have to pay for the canvas now). That loan allows your sim to get on their feet, gives them a fighting chance. You then have time to increase your painting skill, and over time your sim can pay back the loan. It's not necessarily a bad thing.
endless_cats
11 years ago
"halimali1980;756980" wrote:

1- Presence of a bank and a Stock exchange to provide all financial solutions for the sims

2- Sims to have individual bank accounts and (debit & credit) cards other than the family account

3- Sims to be able to apply for different bank loans( housing loans, personal loans, auto loans etc), and interest to be deducted from the individual account if it is a single sim loan or from family account if it is a joint loan

4- Fixed deposit where sims place money at the bank for a marginal low profit for a fixed time of period. higher the period the higher the profit.

5- Investments with different degree of risks. The higher risk investments might give higher profits or higher risk by losing big chunk of the capital or all of it.

I fully agree with all of these ideas. I have wanted the ability to borrow and invest for ages, and I think these are all features that should be in the game, but they should be optional things that the player can choose to do if they wish, but will not affect game play in any way for those who do not.

I like the credit card idea, as long as it has a small-ish limit on it, say to help pay the bills and such. Other wise it would be too easy to overspend and rack up too much debt!
The only thing I don't really like is the stock exchange idea. In theory, this is actually awesome. It would be a great alternative way for Sims to earn (or lose) money and could be quite interesting. However, I don't see it happening at all, it's a little too complicated for a Sims game. They would have to super-simplify it for it to work and for most players to understand it.

Also, it's about time we got a Banking/Finance or Accounting career!!