Category Archives: Income

5 steps to self sufficiency

So often I get new players asking me for money or tips. I wish I had time to give people personal tips, and wish even more I was rich enough to give everyone money. But I don’t and I am not.

I do however have a standard plan for new players to go from $100 to $500m and earn enough daily to cover points, drugs and further income. It will cost you time and energy (both game and real life) but you won’t need to buy DPs or risk much.

Step 1: Slut for someone (5 days)
So the first step is to build some funds. You should be able to ‘attack and lose’ to someone for about $200,000 per loss. There is a caveat here, some people in the forums are scammers and won’t pay you. Check the networth of the person offering, and if possible get meds off them before you make your losses.

You want to aim for 20m, which is 100 losses. You want to try and buy items that sell quickly and have a stable price to hide the money you make as you get it. If you watch the point market you can prepate for step 2 during this time too.

Step 2: Point trade (5-20 days)
Now you have a small fund you can trade points. The points market is a funny one, there are flower/plushie “traders” who sell points all day in big batches (500+), “bankers” who buy lots of points to hide money, “users” who want to just buy points to use for refills, then “skimmers” (like we will be) who buy big batches at low prices, and sell in smaller batches at higher prices.

The aim here is to have a high volume of points traded. You should be able to buy 200-250 point batches and then list 25/50/100 at 200-500$ more than you bought. thats $40,000 profit for every batch you buy minimum and up to $100k. 250 points normally sell every 30 minutes. As a test I listed 25 at 00:53 at about $400 more per point than I bought a batch of 100 points at, they sold at 00:57, that is 4 minutes. If I had more listings I may have sold 150 points in that time.

You are aiming here for at least $2m a day, and you will be capped at about $5m a day. Three weeks of this and you can skip steps 3&4

Step 3: Item Trade quickly (10-15 days+)
You can now start buying some of the quicker moving items, Xanax, Meds and Flower/Plushies, so if you haven’t already buy a bazaar (250 points from point building).

These sell more slowly, but the profit margins are similar and you have to do less work. You need to start by checking the prices graphs of a few potential items and work out which one is currently low. You can either buy from someone else’s bazaar, or check trade chat to try and find deals on bulk items. Don’t put all your eggs in one basket, and always be wary of scams and buy-muggers.

You want to aim for 1% profit per item, and sell all your items you buy within 48 hours. At 0.5% a day it isn’t as much profit as you can make from points, but is more hands off and may suit your real life life-style better.

If you allow $20m for point trading, then you should have $30m you can item trade with at this point – As you start to build your wealth you will find you either have too much stock to sell, or too much money to hide. You now want to start concentrating on higher priced items. The higher the price the bigger the change in pricing, and the easier profit is. The best items for this are Cans, eDVDs and Supply packs. You want to aim for having as little as possible in cash available at any time – Money in your wallet is idle, and a mug risk.

Again if you have allowed $20m for points trading, you should now have $50m+ for items trading.

Step 4: Invest in Benefit Blocks
You should now be earning between $2-5m a day, and at some point all of the above will be making so much profit you can’t keep buying points and items. It’s now time to invest in some stocks, and if you want to be lazy the best way is benefit blocks.

Start with LSC, it’s cheap and pays roughly $900k a week in payouts, or ~1.8% a week. Then TCHS if the medical supplies price is 1% of the BB cost or more.

Eventually you will want PRN, SYM, EWM, SLAG and finally FHG. But before then you will probably want to finish step 5.

Step 5: Banking
Hopefully at this point you will have been earning merits and have built up quite a bit of value. Spending your merits on banking can be a good idea if you are intent on easily making the cash for drugs and points. You want to be banking any “spare” cash weekly, which allows you to be flexible with what you buy and means your interest starts to compound. One day when you have $2b (or $3b in 10* oil rig) it is best to bank for 2 months at a time. But right now stick with weekly and NEVER use the caymans.

In conjunction with step 4 you should be banking 100-400m a week, and buying your ‘next’ stock block as you go. If you have the time and patience to do steps 2+3 as well you could be earning $100m a week, $5.2b a year.


I hope the above was informative, and thank you for reading

Stockmarket and the mysteries of profit

The stockmarket is a great way to make money without risking a mugging. But it isn’t all plain sailing, and there are of course a few ways to make money from it. Before we get on to that though here is my disclaimer: The below is only intended to be a discussion of possible tactics, and I will not be liable for any financial loss you incur! (I would of course be very happy to liable for your profits)

So there are three ways I use to make money at stocks:

Buy Low Sell High (well duh!)
Benefit block hoarding
Buy Lower and just sell

Buy Low Sell High

The traditional method – and the one that most people think of when they talk about any kind of market trading. Of course it’s not as simple as that though, for starters how much do you want to make before you sell? On torn we can effectively use a high frequency trading strategy as prices only change every 15 minutes. So if you are in a position to always be there for those changes you can push the sell button at the best time.


Now I still use the original torn stock exchange pricing scheme as a guide for buying price. If you weren’t around for the first TCSE the benefit blocks were done by price, not by shares held. So what I do is equate those numbers with the new shares required number and that is the price I expect the share to jump around. Some shares have drastically changed and this doesn’t apply, but for the most part it still works:

Stock Code Original BB New BB Price My Price
TCB 1000 1.5 666.67 633.33
CNC 3000 5 600.00 570.00
MCS 350 1.75 200.00 550.00
WLT 5000 9 555.56 527.78
IIL 35 0.1 350.00 500.00
BAG 800 3 266.67 500.00
SYM 250 0.5 500.00 475.00
SYS 1500 3 500.00 475.00
TCSB 2000 4 500.00 475.00
LSC 50 0.1 500.00 475.00
TCHS 50 0.15 333.33 400.00
TCM 250 1 250.00 380.00
FHC 750 2 375.00 356.25
HRG 500 1.5 333.33 316.67
YAZ 50 1 50.00 300.00
WSSB 30 0.1 300.00 285.00
TCP 200 1 200.00 280.00
ISTC 25 0.1 250.00 237.50
TCC 75 0.35 214.29 203.57
TCT 25 0.125 200.00 190.00
GRN 100 0.5 200.00 190.00
EWM 400 2 200.00 190.00
SLAG 300 1.5 200.00 190.00
EVL 350 1.75 200.00 190.00
TMI 1000 6 166.67 158.33
IOU 500 3 166.67 158.33
MSG 25 0.3 83.33 150.00
PRN 45 1.5 30.00 130.00
ELBT 600 5 120.00 114.00
TGP 200 2.5 80.00 100.00


Of course before every deciding what to buy I check the stock graph, usually for a year period, for an idea of how it’s moving. Anything older than a year can be a bit misleading – changes in game can change the demand for a stock, or can influence how often players do an action that improves/reduces the price of that stock. Here is WLT for example, one of my favorites, with a red line at my buying price.



Personally I like to try and make 1% off of any share purchase I make. And with any luck I can do this within 3 days of buying. But timing the selling can be tricky – remember there are a hundred others trying to do the same. With WLT I often see them sell out at about 560 per share (yes, above my buy price guide), and I actually buy at around 565 normally. They go up to 600 on the rare occasion, so there is plenty of room for selling.

When you hit sell your shares go in to a queue to be sold, the first available get sold first, so if you are the last to hit sell you will be waiting the longest. You can bet that if I hit sell at 571 (my intended profit) I will end up waiting three days or more and at that point I could be further in profit, or sometimes back where I started. If I hit sell at 568 though I could be in the middle of that queue. The price normally keeps on rising and people still buy at 570 hoping it will get to the 600 mark.

That of course is the other method of trying to make money at stocks. It’s not an easy one, shares stop selling the higher they go, and a lot of ‘big profit hunters’ end up hanging on to shares for a month or two to make 10% profit. If you compare the two methods and estimate I make 1% a week on an initial 100m, compared to 10% in 8 weeks, you would think I am missing out on 1.7% profit. But it’s important to remember the risks involved. In a year I may fail to make 1% on about 10% of my purchases. I would imagine a big profit hunter will fail on at least double that.

Benefit Block Hoarding

If you have plenty of spare cash around and want to lock it up, keep it safe, and still make a small profit then BB blocks are the one for you. There are three types of benefit as I see it

  • Cash dividends
  • Item dividends
  • Game modifiers

The biggest money spinners are the Item dividends – they pay out once a week normally and the item prices are often quote good compared to the benefit cost. FHC for example is a 12m item every week, compared to 750m cost

Stock Benefit Cost Weekly payout % Gain
HRG Random Houses 500 10 2
LSC Lotto Vouchers 50 0.9 1.8
FHC FHC 750 12 1.6
SYM Drug packs 350 4.5 1.285714
TCHS Med packs 50 0.5 1
PRN EDVDs 270 2.5 0.925926
EMW Grenades 490 1.3 0.265306
SLAG Lawyer Cards 350 0.7 0.2

Cash dividends are poor – they rarely pay out, and when they do they are quite small compared to the block cost. TMI for example gave me 45m every 3 months or so. This is about 1.2m per week for a 1b cost.

Stock Cost Payout % Gain (3m/1w)
TMI 1000 45 4.5 / 0.375
IOU 450 20 4.44 / 0.37
TCSB 2500 90 3.6 / 0.3
GRN 100 3 3 / 0.25
TCC 75 2 2.66 / 0.22

Game modifiers are all dependent on how you quantify things. CNC for example is good for oil rig owners, but won’t benefit anyone else, and if you own a rig it probably gives you 10% profit per day (5-6m) for the 2.5-3b investment. MCS gives 300 energy randomly, maybe once a week, but for me 300 energy could be 2 FHC (24m) or 12 mugs (12-100m).

Cash benefits:

Stock Benefit Worth
TCB Better bank rate 5m a week?
MCS Random energy 24m a week?
WLT Quicker travel 14m a week?
YAZ Free Banner Ads Up to 3.5m a week
ELBT 10% off house upgrades Property sales dependant

Company Owner benefits:

Stock Benefit Worth
CNC Oil rig profit / cost reduction Up to 35m a week?
TCP 10% company profits Up to 7m a day
TGP Increased Advertising Unknown
SYS Hacking Protection Not quantifiable


Stock Benefit Worth
IIL Reduced virus coding time Minimal
BAG Unknown Unknown
TCM Reduced Car Upgrade Costs Minimal
ISTC No Education Money Cost Minimal
WSSB No Education Energy Cost Minimal
TCT Free personal Adverts Minimal
EVL Random Happy Minimal
MSG Free classified ads Minimal

Trusted friends

There is of course another route to making money this way. But only if you have trust in another player 110%. Buy shares and get someone else to hold them for you. I do this with some of my closest in game friends, they get to keep 1 in every 3 items/dividends, and if they end up making enough money they can buy the shares off me.

Buy Lower and Just Sell

An alternative way of making money is by offering to buy shares off others at a discount rate. Often people want to get the money out of their shares quickly, and waiting for them to sell on the open market isn’t an option. This is a good opportunity for a player with time and money to buy them cheaper than market price (80-99% of cost). Once bought you put them on the market to sell like any other share, but you are gambling that they will sell before the price drops below what you paid for them.


So that is the low down on the stock market. If you need to make some cash to invest then read about how I would make some capital in my article Simple ways to make money

Five things every bazaar should have

Having a Bazaar is a must if you want to roll with the billionaires. But you need to know what to sell, how much to buy it for, and how to make profit.

I’m the first to admit I’m quite a lazy trader. I rarely venture into the forums, trade chat or IRC. But that should be your first port of call if you want big profit.

Humble Beginnings 

Work out how much cash you have to spend on things for your bazaar. Then decide how many types of thing you want – never put all your eggs in on basket and all that – and if you can watch the market for a bit. Check the graph of price for that item and try and work out how often they sell. This will give you an idea of how many you want to put in your bazaar at once, and what kind of pricing strategy to use.

If you are just starting I would stay with fast selling, low profit items. Don’t get stuck with stock you can’t shift. It’s always better to have cash flow than a bunch of items of value.

When you are finding your stock levels are getting a bit high you can then branch out into other things, and go into the riskier slower paced markets. If I was new to trading I would do something in this order:

  1. Medical items
  2. Drugs
  3. Energy drinks
  4. FHC/DPs
  5. Cesium
  6. SEs
  7. Collectibles

It’s quite obvious that the cheaper items are likely to move faster, but stick with items that get used as well, as they always have higher demand. If for whatever reason the market loses a bit of value you won’t be losing too much, and you won’t be stuck for a long time with an item of no *real* worth.

Pricing strategies

So how do I price things, and how do others price things? Each item type I sell I use a different strategy. Let’s take a look at some examples:

  • Lowest on market
    So for something I have a decent profit margin on I probably just want to sell, below was the market for DPs as I write:
    DP market

    I have some to sell I bought at 23m, and I know DPs don’t get added often. If I sell at 25,449,999 I can probably sell 5 or so before someone else under cuts me

  • Lowest visible on market
    Maybe I have something which I know will sell within 24 hours, but I haven’t got a good deal myself, so to maximise profit I want to price so it could sell today, and if it does it is above the price I bought it. Points are a good example of this – I often buy a big set of points from the market when they are low. I’ll take a gamble that the market will fluctuate enough for mine to sell at 69199 (perhaps some lazy rich guy will want a lot at that price, or if I put in batches of 25 perhaps someone poor will need to buy just 25 and that will be the cheapest 25 batch)
  • Competitive pricing
    So I found something in the city, or got a really fantastic deal, or won something in IRC.. I just want the money to invest in something else. I might here for example list at 425m to try and entice another trader who will be happy listing at 440 and make a quick profit:
    Dumbell market
  • Optimistic pricing
    So perhaps I have bought something because I want to hide money, and I will use it myself some day if they don’t sell. If they do sell I can buy more cheaper than I sell for anyway (usually the price will drop again from an optimistic price). Below for example I may have bought some FHC from The Accountant, I will then list some of these at 13.5m. Nice profit if they sell, but I use FHC for warring.. so don’t care if they don’t sell either

5 things you should have in your bazaar

Spread your investments and if possible always have these things listed in your bazaar, even if they aren’t the cheapest price on the market:

Medical items
Pharmacy Items
General Fodder

So each in turn…

Beer – you can buy it for $10 each from Bits’n’bobs, sells at 750-1000 each. That is 75k a day easy!

Medical items – fluctuate a lot as wars go on, nice profit if you can afford a good quantity

Camouflage – ok this is a stretch.. I often put items that *look* similar to others at the same price as the others, just in case some fool buys the wrong thing. eg. Cans of Munster at the price I sell cans of X-MASS, Scimitars at the same price I would sell dual scimitars, melatonin at the same cost as Epi or Serotonin.

Pharmacy items – like beer you can sell easily at a higher price than you can buy from the pharmacy. Of course you need your medical education first, and this one may drop as more people can buy them direct.

General Fodder – what I mean here is a lot of items that you don’t intend to sell. Why? Well lots of players like to buy/mug. If you have lots of items in your bazaar it is harder for them to work out if you are worth buy mugging. It also creates confusion and works well with the Camouflage tactic.