| 摘要 |
A board game for teaching the principles of personal finance whereby significant wealth may be accumulated includes a playing board having a first, Daily Grind, track and an interconnected second, Diamond Cut. Each player selects a game piece and begins the game on the Daily Grind track. Collectively, they start by making formative level decisions and purchases that influence how they start financially, professionally and personally. The items they buy in the Formative stage are added to their game piece. Then they take turns rolling the dice one time and based on the outcome combined with their earlier decisions they get to choose from the set of matching game cards. The Game Card is configured as a combined Income/Balance Sheet, and basic accounting rules of personal finance are carefully followed in updating the Game Card while a player progresses along the Daily Grind, initially in Growth Mode. The Daily Grind track includes spaces on which a player can land which presents unexpected financial obstacles, but the Daily Grind also includes spaces which present financial opportunities. By prudently investing as opportunities arise, a player may obtain passive income in addition to a salary. At a designated time, all players shift playing modes from growth to Transition Mode where they also begin to focus on future generations. Once a player's Self-sufficiency Quotient exceeds their expenses, two different things result 1) the player moves to the Diamond Cut for further play, and 2) all existing players in the Daily Grind reset as their next generation and they restart playing as their family member and continue to play to exit the Daily Grind. On the Diamond Cut, a player enjoys the greatly improved life of one who has accumulated significant wealth and they now focus on advanced items of Wealth Protection and Generation Transfer. The Diamond Cut track includes spaces on which players experience advanced elements along with interaction with players in the Daily Grind. By prudently positioning to handle key situations, a player earns diamond cuts. However, provision is made for unexpected problems in various Diamond Cut spaces along which a player moves. Thus, a player's ongoing financial condition while on the Diamond Cut is also carefully updated using basic accounting principles of personal finance, wealth management, and estate planning (tracking their progress on separate sheets). The game is played in accordance with formal rules which include provisions for declaring a winner. |
| 主权项 |
1. A game for teaching formative decision impacts and financial skills to players, said game comprising:
A) a set of individual financial statements for distribution, one each of said individual financial statements to each player, at the beginning of a game; B) indicia carried by the individual financial statement associated with each player, the indicia of a financial statement assigning a specified initial periodic income and specified initial periodic expenses ascribed to the associated player, the financial statement reflecting periodic income, passive income, expenses, assets and liabilities of the player and being selectively revisable by the associated player to reflect the effects of game events, said periodic income corresponding to an income from a profession, said passive income corresponding to income from interest, dividends, real estate and businesses; C) indicia of a first set of events comprises indicia of opportunities to participate in specified transactions which include receiving interest, dividends, real estate, businesses and insurance, said indicia of a first set of events applicable to players having passive income less than a predetermined percentage of the player's expenses, each of said first set of events potentially affecting at least one of the periodic income, passive income, expenses, assets and liabilities of the player; D) indicia of a second set of events applicable to players having achieved passive income greater than a predetermined percentage of the player's expenses, each of said second set of events potentially affecting at least one of the periodic income, passive income, expenses, assets and liabilities of the player; and E) means for pseudo-randomly designating, in turn, a respective particular game event from the first set of events for each respective player who currently has passive income less than a predetermined percentage of the player's expenses, and a respective particular game event from the second set of events for each respective player who has previously achieved a passive income greater than a predetermined percentage of the player's expenses. |
