Version 1.4.0: Pro Bots, Moody Markets and Eight New Languages
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Until now, the bots in Moneyflow could not win. They played bravely, borrowed boldly and then, at the finish line, forgot to buy a dream. Version 1.4.0 gives them ambition, adds a bot that actually thinks, and gives the economy mood swings that reach all the way into your tax bill.
Meet the Pro bots
Play vs Bots and private rooms now have a fourth difficulty, Pro, above Easy, Medium and Hard. A Pro bot looks at its options before every move, weighs what each one will do to its finances, and keeps an eye on where the economy is heading. If you had started to find Hard a little comfortable, this is your invitation to be humbled. We will not tell you how it thinks. We will only say that it does not get tired and it does not get greedy.
Now every bot can win
Easy, Medium and Hard bots now pick two dreams and buy them, which means a bot can finally win a game instead of circling the Fast Track like a tourist. They can also borrow against what they own, the way you learned to in 1.3.1. Expect more competition and fewer relaxed Sunday evenings.
Dreams got a small rule of their own in multiplayer: you can only buy one on your own turn, and not while you are scrambling to cover a cash shortfall. The dream buttons are greyed out the rest of the time, so nobody buys a private jet from the back row.
An economy with moods
The economy always had phases: boom, recession, recovery. In 1.4.0 the phases start to bite, in three places.
- Interest rates follow the cycle. Every phase has its own comfortable range of rates. Boom rates run high, recession rates sink, and when the phase changes the rate walks toward its new range over a few paydays instead of jumping there. Surprises still happen, because Fed cards and heavy borrowing can push rates around, and they drift back.
- Recessions cut your taxes. Bad times are a little kinder to your payslip. The finance panel shows the cut while it applies, so you can see where the money went. Good times pay full price.
- Rents follow the cycle too. Rent on the properties and businesses you own now moves every payday: it creeps up in a boom, slips in a recession and holds steady in recovery. Your passive income moves with it, and a few assets are built to shrug off the cycle. A landlord's life has seasons now.
The Roadside Motel card used to promise a steady return whatever the economy did. Its rent now follows the cycle like everything else, so a boom is lovely and a recession is a lesson.
Selling pays off the loan
A sale now settles any loans secured on the thing you are selling. Whether you use the Sell menu or a card that asks you to sell, you walk away with the price, minus tax, minus whatever you still owe on that asset. The Sell panel and the card's sale picker show the payoff, so there is no surprise at the end.
If you choose to sell one asset and the proceeds cannot cover what is owed on it, the game refuses the sale and tells you how much more cash you need. It is called an underwater sale, and the bank does not let you leave the party with its sofa. Cards that force a sale, or sell several things at once, go through anyway, and any shortfall is handled the usual way.
Smaller things, bigger smiles
- Finance the baby. The Baby, Twins and Adoption cards used to need cash on the spot. There is now a Finance it button that books a family loan instead, and if you dismiss the card with no cash, that is what happens.
- IPOs, to the last dollar. The IPO Frenzy and Flash Crash cards no longer cap how many shares you can buy. Cash is the only limit. Please do not spend all of it.
- The Hotel dream, rebalanced. It used to pay such a ridiculous income for its price that it was the obvious dream every time. It now costs more and pays a sensible rent, so you pick it because you like hotels.
- Rarer market surprises. The Short Squeeze and the Flash Crash now turn up less often, which makes them more of an event.
- A simpler Borrow menu. The Advanced credit panel, with its sliders for term and grace months, has left the Borrow menu. Loans were about to get a proper structure of their own, which is the story of the next release.
Eight new languages
Moneyflow now speaks Italian, Japanese, Korean, Russian, Turkish, Polish, Dutch and Indonesian, joining English, German, Spanish, French, Portuguese and Chinese. That is fourteen languages in all. Cards, personas, milestones, the board and the help pages are covered, and so are the website's About, Support, Privacy and Terms pages.
Next in the series is 1.4.1, which followed later the same day and is the one about loans.
The release notes, word for word
New Pro bots plan every move and read the economy, and every bot can now buy dreams, win and borrow against its assets. The economy bites: interest rates follow the boom-and-bust cycle, recessions cut your taxes, and your rents rise in a boom and slip in a recession. Selling an asset now pays off its loans. Can't afford a baby? Finance it. Buy IPO shares as far as your cash goes. Hotel and Motel rebalanced. Now also in Italian, Japanese, Korean, Russian, Turkish, Polish, Dutch and Indonesian.
Play it now
Moneyflow is free on the App Store, free on Google Play and free in any browser. There are no ads, and you do not need an account to start.