strongp: forum

On day one in Torn I was mostly fixated on saving enough money to buy a hammer. I spent my first decade in Torn floundering around and not really finding the money was sticking around - it was only after I switched to a DA that the arrest income meant I had to develop a wealth strategy. it took me 10 years to get to a net worth of $8bn, and the next 5 to get to $80bn. Here's what I learned:

THE WEALTH LADDER

Ten bands, based on your stage in the game. At each one, exactly where the next dollar should go and what to leave alone until you can afford it properly. Buy in this order and every purchase is paying for the next.

FOUR RULES 

1. Rank by yield, not by size
Block size is fixed, share price is not. Re-rank before every purchase.
ROI% = annual benefit value / (shares required x live share price) x 100

2. The bank sets the hurdle rate
While the bank has room, never buy a block yielding less than your bank APR.
With 10/10 Bank Interest merits and TCI, that hurdle is roughly 25-29%.

3. Second blocks cost double
Each extra increment of an active stock needs twice the shares of the last, so
its ROI halves. Own one of everything worthwhile before you own two of anything.

4. Stock capital comes back
Bank money is locked until maturity. Stock money stays sellable, which is why the
ladder tips toward stocks the moment yields match.

$0 TO $10M
Don't invest. Build the foundation.

Every dollar spent on stats and education at this stage beats any dividend you could buy with it. Passive income is what you build once the engine runs.

• Get a company job. The salary and job points beat the city jobs long term.
• Start a long education course now. It runs in real time whether you are rich or not.
• Buy happy, not assets. Private Room, then an Apartment.
• Bank in 1-week terms only. You need the liquidity more than the APR.
• Buy no stocks. Even the cheapest block locks up cash you should be spending.

$10M TO $100M
The cheap blocks, in size order

Five blocks of 100k-300k shares. They cost almost nothing relative to what is coming and several of them pay for the rest of your Torn career.

STOCK  SHARES   PAYS                              TYPE   WHY HERE
-------------------------------------------------------------------------------
EVL      100,000      1,000 Happy / 7d            item     Cheapest block. Buy first.
TCT      100,000      $1,000,000 / 31d            CASH  Your first real dividend.
IST       100,000      Free education courses  perk     Compounds hardest of all.
THS      150,000     Medical supplies / 7d       item     Free either way.
MSG     300,000     Free classified ads           perk    Pays back if you sell a lot.

$100M TO $500M
The blocks that print energy

Energy and nerve are not cash, but at this stage they convert into cash faster than a dividend does. MCS and CBD are the two best small blocks in Torn.

STOCK  SHARES   PAYS                        TYPE WHY HERE
-------------------------------------------------------------------------------
MCS      350,000     100 Energy / 7d         item Best small block. Stacks x10.
CBD      350,000      50 Nerve / 7d            item Straight into crimes and OCs.
GRN      500,000      $4,000,000 / 31d      CASH Best cash yield under $1bn.
SYM      500,000      Drug Pack / 7d          item Reliable resale value.
LSC       500,000      Lottery Voucher / 7d item Low value, low cost. Last.
LAG       750,000      Lawyer card / 7d       item Bail discounts for crimes.

$500M TO $2BN
Buy TCI, then fill the bank

The one band where a stock comes before everything, because it makes the bank itself pay more. Buy TCI, spend your merits, then push to the cap on 3-month terms.

STOCK     SHARES   PAYS                            TYPE   WHY HERE
-------------------------------------------------------------------------------
TCI           1,500,000   +10% bank interest      perk     Buy BEFORE you max the bank.

• Spend every Bank Interest merit: +5% APR each, ten of them, and they cost no cash.
• Fill the bank to $2bn on the 3-month term. Merits plus TCI puts you around 25-29% APR, and
  that number is your hurdle rate for the rest of the ladder.
• Mop up the 1m-share blocks with spare cash: YAZ, WSU, TCM, IIL, TCP, EWM, ASS, PRN. None
  are urgent, all are cheap.

$2BN TO $8BN
Bank is full. Now the cash dividends.

Everything from here competes against the bank rate you just locked in. TSB is the block most players regret not buying sooner.

STOCK     SHARES   PAYS                            TYPE   WHY HERE
---------------------------------------------------------------------------------------------------------------------
TSB          3,000,000   $50,000,000 / 31d       CASH   Strongest cash ROI, usually.
IOU           3,000,000   $12,000,000 / 31d       CASH   Same block, 1/4 the payout.
FHG          2,000,000   Hotel Coupon / 7d       item      Steady resale demand.
TGP          2,500,000   Company advertising  perk      Only if you run a company.
SYS          3,000,000   Advanced firewall        perk      Insurance, not income.
BAG          3,000,000   Ammunition Pack / 7d item      Ammo matched to your weapon.

$8BN TO $20BN
The heavy blocks

5 to 7.5m  shares apiece. Big absolute payouts, thinner yields. Always cehck the live ROI.

STOCK     SHARES    PAYS                           TYPE   WHY HERE
---------------------------------------------------------------------------------------------------------------------
MUN         5,000,000   Energy Drinks / 7d       item     Worse energy price than MCS.
ELT           5,000,000   10% home upgrade      disc.    perk Buy BEFORE you upgrade.
TMI           6,000,000   $25,000,000 / 31d        CASH  Middling. Buy after the rest.
CNC         7,500,000   $80,000,000 / 31d        CASH   Biggest payout AND block.
TCC         7,500,000   Clothing Cache / 31d    item      Contents vary. A lottery.
LOS         7,500,000   +25% mission rewards  perk     Only if you run missions.

$20BN TO $40BN
Final Blocks

The last three blocks are the biggest in the game. PTS is often the highest yielding thing in Torn.

STOCK     SHARES      PAYS                            TYPE  WHY HERE
---------------------------------------------------------------------------------------------------------------------
WLT         9,000,000     Private jet access         perk     Fast travel, no det. delays.
HRG        10,000,000   Random property / 31d item    1-in-13 chance. Pure variance.
PTS         10,000,000   100 Points / 7d              item    Top yield. Weekly sell needed.

• Take a 10* Oil Rig job. It raises your bank cap from $2bn to $3bn.
• Start second increments on your best-yielding actives only. Double the shares means half the ROI, so it still has to beat the bank.

$40BN TO $150BN
Own the business, not the shares

The stock board is finished and its yields are capped. Beyond this point the largest passive earners in Torn are not stocks.

• Run a 10* company: Oil Rig, Adult Novelties or Toy Shop. The single biggest passive income source in the game.
• Private Island, fully upgraded. Max happy makes every other dollar work harder.
• Rent out the properties you have stopped living in. 
• Keep stacking increments on MCS, PTS if ROI stacks up.

$150BN TO $500BN
I'm not there yet, but here are my thoughts: Move the Market

At this size you move prices rather than take them. Income shifts from yield to spread.

• Trade points at volume. Buy the troughs after big dumps, sell into merit and refill demand.
• Stockpile ahead of events: plushies and flowers before Christmas Town and Easter. You can hold inventory nobody else can.
• Arbitrage the item market against bazaars and abroad. WLT is what makes this practical.
• Fund your faction. OCs, territory wars and armour return more, indirectly, than another marginal dividend.

$500BN TO $1TN
Stop earning. Start preserving.

Torn has inflation. Past half a trillion, cash is the worst asset you can hold, and the question changes from how to earn more to how to keep what you have.

• Hold value, not currency: points, Duke items, Christmas Town and Easter collectibles, top-tier armour and weapons. Fixed supply beats a bank balance.
• Keep the full board and the full bank running. Not meaningful income any more, just the floor under everything else.
• Spend on rank, not returns. Stats, merits and faction standing are the only things left that money cannot simply be re-earned into.

KEY
CASH = pays money directly   item = pays an item you use or sell   perk = pays by saving you money

Block sizes and payouts are fixed by the game. Band boundaries assume typical share prices, and prices move daily, so run the ROI formula against live prices before every purchase.

Bank APRs float and differ by term length, so check the bank screen rather than trusting a remembered number.

And Finally:
Never go to the Casino!

Sources: Torn wiki: Stock Market (https://wiki.torn.com/wiki/Stock_Market)  |  Torn wiki: City Bank (https://wiki.torn.com/wiki/City_Bank)

Card Skimming is the unsung hero of crimes. Once you've got to 100% skill and pocketed the merit you can leave 20 skimmers in place indefinitely and cash in every few months, or even very year.

To install and recover a skimmer takes 10N, so to max out all 20 slots = 200N, plus 8N to sell the card details.

Locations such as Bus or Gas station are hardly ever discovered once your skill is 100 - based on my observations Gas station skimmers average 9 cards a day and each card averages around $165 when sold, so each day you'll make around $30,000, which is around $10.8m a year.

If you leave your skimmers in place for a full year this represents over $50,000 for each Nerve point which is the highest per point ratio in Crimes 2.0 unless I'm mistaken.

Nice to see other people cutting their teeth on scripting - good job!

Oops - meant to be a working draft...

Good to see sarcasm isn't dead - yes I know it's not enough to live off obviously, but I'm looking at the nerve to return ratio. If you can make this hacking the FBI in 2 days  then why not also make 10m with less than a day's worth of nerve and some patience.

Nice sheet - I'll give that a try - WLT has made a big difference - it was my last block to be acquired and I didn't expect to see much difference but it stretched my daily trading runs more than I thought it would and now I wish I'd done this sooner. $500BN TO $1TN is a bit shite now that I ;look at it - I was asking AI about what's next and probably should kill this section - I assume Duke items are NPC loot items but I expect armour etc will become cheaper over time with increased supply

On day one in Torn I was mostly fixated on saving enough money to buy a hammer. I spent my first decade in Torn floundering around and not really finding the money was sticking around - it was only after I switched to a DA that the arrest income meant I had to develop a wealth strategy. it took me 10 years to get to a net worth of $8bn, and the next 5 to get to $80bn. Here's what I learned:

THE WEALTH LADDER

Ten bands, based on your stage in the game. At each one, exactly where the next dollar should go and what to leave alone until you can afford it properly. Buy in this order and every purchase is paying for the next.

FOUR RULES 

1. Rank by yield, not by size
Block size is fixed, share price is not. Re-rank before every purchase.
ROI% = annual benefit value / (shares required x live share price) x 100

2. The bank sets the hurdle rate
While the bank has room, never buy a block yielding less than your bank APR.
With 10/10 Bank Interest merits and TCI, that hurdle is roughly 25-29%.

3. Second blocks cost double
Each extra increment of an active stock needs twice the shares of the last, so
its ROI halves. Own one of everything worthwhile before you own two of anything.

4. Stock capital comes back
Bank money is locked until maturity. Stock money stays sellable, which is why the
ladder tips toward stocks the moment yields match.

$0 TO $10M
Don't invest. Build the foundation.

Every dollar spent on stats and education at this stage beats any dividend you could buy with it. Passive income is what you build once the engine runs.

• Get a company job. The salary and job points beat the city jobs long term.
• Start a long education course now. It runs in real time whether you are rich or not.
• Buy happy, not assets. Private Room, then an Apartment.
• Bank in 1-week terms only. You need the liquidity more than the APR.
• Buy no stocks. Even the cheapest block locks up cash you should be spending.

$10M TO $100M
The cheap blocks, in size order

Five blocks of 100k-300k shares. They cost almost nothing relative to what is coming and several of them pay for the rest of your Torn career.

STOCK  SHARES   PAYS                              TYPE   WHY HERE
-------------------------------------------------------------------------------
EVL      100,000      1,000 Happy / 7d            item     Cheapest block. Buy first.
TCT      100,000      $1,000,000 / 31d            CASH  Your first real dividend.
IST       100,000      Free education courses  perk     Compounds hardest of all.
THS      150,000     Medical supplies / 7d       item     Free either way.
MSG     300,000     Free classified ads           perk    Pays back if you sell a lot.

$100M TO $500M
The blocks that print energy

Energy and nerve are not cash, but at this stage they convert into cash faster than a dividend does. MCS and CBD are the two best small blocks in Torn.

STOCK  SHARES   PAYS                        TYPE WHY HERE
-------------------------------------------------------------------------------
MCS      350,000     100 Energy / 7d         item Best small block. Stacks x10.
CBD      350,000      50 Nerve / 7d            item Straight into crimes and OCs.
GRN      500,000      $4,000,000 / 31d      CASH Best cash yield under $1bn.
SYM      500,000      Drug Pack / 7d          item Reliable resale value.
LSC       500,000      Lottery Voucher / 7d item Low value, low cost. Last.
LAG       750,000      Lawyer card / 7d       item Bail discounts for crimes.

$500M TO $2BN
Buy TCI, then fill the bank

The one band where a stock comes before everything, because it makes the bank itself pay more. Buy TCI, spend your merits, then push to the cap on 3-month terms.

STOCK     SHARES   PAYS                            TYPE   WHY HERE
-------------------------------------------------------------------------------
TCI           1,500,000   +10% bank interest      perk     Buy BEFORE you max the bank.

• Spend every Bank Interest merit: +5% APR each, ten of them, and they cost no cash.
• Fill the bank to $2bn on the 3-month term. Merits plus TCI puts you around 25-29% APR, and
  that number is your hurdle rate for the rest of the ladder.
• Mop up the 1m-share blocks with spare cash: YAZ, WSU, TCM, IIL, TCP, EWM, ASS, PRN. None
  are urgent, all are cheap.

$2BN TO $8BN
Bank is full. Now the cash dividends.

Everything from here competes against the bank rate you just locked in. TSB is the block most players regret not buying sooner.

STOCK     SHARES   PAYS                            TYPE   WHY HERE
---------------------------------------------------------------------------------------------------------------------
TSB          3,000,000   $50,000,000 / 31d       CASH   Strongest cash ROI, usually.
IOU           3,000,000   $12,000,000 / 31d       CASH   Same block, 1/4 the payout.
FHG          2,000,000   Hotel Coupon / 7d       item      Steady resale demand.
TGP          2,500,000   Company advertising  perk      Only if you run a company.
SYS          3,000,000   Advanced firewall        perk      Insurance, not income.
BAG          3,000,000   Ammunition Pack / 7d item      Ammo matched to your weapon.

$8BN TO $20BN
The heavy blocks

5 to 7.5m  shares apiece. Big absolute payouts, thinner yields. Always cehck the live ROI.

STOCK     SHARES    PAYS                           TYPE   WHY HERE
---------------------------------------------------------------------------------------------------------------------
MUN         5,000,000   Energy Drinks / 7d       item     Worse energy price than MCS.
ELT           5,000,000   10% home upgrade      disc.    perk Buy BEFORE you upgrade.
TMI           6,000,000   $25,000,000 / 31d        CASH  Middling. Buy after the rest.
CNC         7,500,000   $80,000,000 / 31d        CASH   Biggest payout AND block.
TCC         7,500,000   Clothing Cache / 31d    item      Contents vary. A lottery.
LOS         7,500,000   +25% mission rewards  perk     Only if you run missions.

$20BN TO $40BN
Final Blocks

The last three blocks are the biggest in the game. PTS is often the highest yielding thing in Torn.

STOCK     SHARES      PAYS                            TYPE  WHY HERE
---------------------------------------------------------------------------------------------------------------------
WLT         9,000,000     Private jet access         perk     Fast travel, no det. delays.
HRG        10,000,000   Random property / 31d item    1-in-13 chance. Pure variance.
PTS         10,000,000   100 Points / 7d              item    Top yield. Weekly sell needed.

• Take a 10* Oil Rig job. It raises your bank cap from $2bn to $3bn.
• Start second increments on your best-yielding actives only. Double the shares means half the ROI, so it still has to beat the bank.

$40BN TO $150BN
Own the business, not the shares

The stock board is finished and its yields are capped. Beyond this point the largest passive earners in Torn are not stocks.

• Run a 10* company: Oil Rig, Adult Novelties or Toy Shop. The single biggest passive income source in the game.
• Private Island, fully upgraded. Max happy makes every other dollar work harder.
• Rent out the properties you have stopped living in. 
• Keep stacking increments on MCS, PTS if ROI stacks up.

$150BN TO $500BN
I'm not there yet, but here are my thoughts: Move the Market

At this size you move prices rather than take them. Income shifts from yield to spread.

• Trade points at volume. Buy the troughs after big dumps, sell into merit and refill demand.
• Stockpile ahead of events: plushies and flowers before Christmas Town and Easter. You can hold inventory nobody else can.
• Arbitrage the item market against bazaars and abroad. WLT is what makes this practical.
• Fund your faction. OCs, territory wars and armour return more, indirectly, than another marginal dividend.

$500BN TO $1TN
Stop earning. Start preserving.

Torn has inflation. Past half a trillion, cash is the worst asset you can hold, and the question changes from how to earn more to how to keep what you have.

• Hold value, not currency: points, Duke items, Christmas Town and Easter collectibles, top-tier armour and weapons. Fixed supply beats a bank balance.
• Keep the full board and the full bank running. Not meaningful income any more, just the floor under everything else.
• Spend on rank, not returns. Stats, merits and faction standing are the only things left that money cannot simply be re-earned into.

KEY
CASH = pays money directly   item = pays an item you use or sell   perk = pays by saving you money

Block sizes and payouts are fixed by the game. Band boundaries assume typical share prices, and prices move daily, so run the ROI formula against live prices before every purchase.

Bank APRs float and differ by term length, so check the bank screen rather than trusting a remembered number.

And Finally:
Never go to the Casino!

Sources: Torn wiki: Stock Market (https://wiki.torn.com/wiki/Stock_Market)  |  Torn wiki: City Bank (https://wiki.torn.com/wiki/City_Bank)

Oops - meant to be a working draft...

Oops - meant to be a working draft...

I'm pretty sure I did this a while back - I've still got the gold one but it looks like these can only be obtained through random finds now?

yep - Imgur not reachable in the UK any more 

Nice to see other people cutting their teeth on scripting - good job!

// @name         Torn – Unique Outcome Detector (UID)
// @namespace    https://torn.com/
// @version      1.1.0
// @description  Scan every 10s for "unique outcome" on Torn crime pages and optionally beep when found
// @match        https://www.torn.com/page.php?sid=crimes*

I wrote this a while ago to catch the jewellery store uniques (still chasing the cluster ring) but thought I'd package it up nicely in case others wanted to install it...

https://greasyfork.org/en/scripts/556472-torn-unique-outcome-detector-uid

% burn per gasoline/diesel/kerosene can before lighting -/D/K

Apartment 17
Bazaaar 14D 44K
Bordello 19.9
Candle Shop 26
Casino 11
Castle 6
Church 13
Cleaning Agency 19
Cottage 25K
Distillery 22K
Farmhouse 19 K
Fertilizer Plant 21.3
Grocery Store 13
Gym 10
Hardware Store 19.9
Hunting Lodge 36
Library 20+
Lingerie Store 20.3
Liquor Store 22
Manor House 11
Mobile Home 36
Motorcycle Club 17
Newspaper Office 17
Office Block 13
Penthouse 11.5D
Pharmacy 19.2
Post Office 13
Printing Store 26
Pub 20.6
Restaurant <20
Tattoo Parlor 17
Theater <20
Warehouse 20

to be continued

I've been looking at the percentage burn for a single unit of gasoline/diesel/kerosene deployed before lighting:

so far:

Restaurant <20 gasoline
Theater <20 gasoline
liquor store 22 gasoline
Lingerie Store 20.3 gasoline
Tattoo Parlor 17 gasoline
Bazaaar 14 diesel 
Fertilizer Plant 21.3 gasoline
Church 13 gasoline
Bordello 19.9 gasoline
Hardware Store  19.9 gasoline
Farmhouse 19 kerosine

would love to see a table for each target with the materials for the most economical burn for each scenario, i.e.:
Pub, > 50%, = 3 x gasoline

Any ideas on how I can make arson less suspicious?

I think this is coming from another script or add-in - can't see it relates to anything in my script. I get a lot of TT script errors in console as I'm running this.

It should work for any time a star appears on a page, so no need to modify the script, though I'll hopefully confirm this later today when I get my final UO from the Jewelry Store

Just spent 5 minutes trying to click this egg

[image: i.imgur.com]

Steps:

1. Open https://www.torn.com/loader.php?sid=crimes#/shoplifting  in Chrome.

2. Press F12 (or Ctrl+Shift+I) to open the Developer Tools.

3. Go to the Console tab.

4. Paste the following script and press Enter:

// Function to play a beep sound
function playBeep() {
    const audioCtx = new (window.AudioContext || window.webkitAudioContext)();
    const oscillator = audioCtx.createOscillator();
    const gainNode = audioCtx.createGain();

    oscillator.connect(gainNode);
    gainNode.connect(audioCtx.destination);

    oscillator.type = 'sine'; // sound type
    oscillator.frequency.setValueAtTime(440, audioCtx.currentTime); // frequency (Hz)
    gainNode.gain.setValueAtTime(0.5, audioCtx.currentTime); // volume

    oscillator.start();
    (() => {
        oscillator.stop();
        audioCtx.close();
    }, 200); // beep duration in milliseconds
}

// Function to scan all elements on the page
function scanPageForUniqueOutcome() {
    const elements = document.querySelectorAll("*"); // Select all elements on the page
    let found = false;

    elements.forEach(element => {
        if (element.outerHTML.includes("unique outcome")) {
            console.log("Element found containing 'unique outcome':", element);
            found = true;
            playBeep();
        }
    });

    if (!found) {
        console.log("No elements containing 'unique outcome' were found on the page.");
    }
}

// Run the function every 10 seconds
setInterval(scanPageForUniqueOutcome, 10000); // 10,000 milliseconds = 10 seconds

It's a bit quiet over there and I'm hoping to open up new markets...

This alerts you when a star appears on a crime button - written for shoplifting but should work for other crimes with starred buttons too too

Steps:

1. Open https://www.torn.com/loader.php?sid=crimes#/shoplifting  in Chrome.

2. Press F12 (or Ctrl+Shift+I) to open the Developer Tools.

3. Go to the Console tab.

4. Paste the following script and press Enter:

// Function to play a beep sound
function playBeep() {
    const audioCtx = new (window.AudioContext || window.webkitAudioContext)();
    const oscillator = audioCtx.createOscillator();
    const gainNode = audioCtx.createGain();

    oscillator.connect(gainNode);
    gainNode.connect(audioCtx.destination);

    oscillator.type = 'sine'; // sound type
    oscillator.frequency.setValueAtTime(440, audioCtx.currentTime); // frequency (Hz)
    gainNode.gain.setValueAtTime(0.5, audioCtx.currentTime); // volume

    oscillator.start();
    (() => {
        oscillator.stop();
        audioCtx.close();
    }, 200); // beep duration in milliseconds
}

// Function to scan all elements on the page
function scanPageForUniqueOutcome() {
    const elements = document.querySelectorAll("*"); // Select all elements on the page
    let found = false;

    elements.forEach(element => {
        if (element.outerHTML.includes("unique outcome")) {
            console.log("Element found containing 'unique outcome':", element);
            found = true;
            playBeep();
        }
    });

    if (!found) {
        console.log("No elements containing 'unique outcome' were found on the page.");
    }
}

// Run the function every 10 seconds
setInterval(scanPageForUniqueOutcome, 10000); // 10,000 milliseconds = 10 seconds

thanks,

strongp

(Staff have approved this as legal)

Oops - should have put it in T&G - I figure it's useful to everybody looking for uniques, and there isn't a crimes sub forum, Who looks in Tools & Userscripts anyway?

This alerts you when a star appears on a crime button - written for shoplifting but should work for other crimes with starred buttons too too

Moved to https://www.torn.com/forums.php#/p=threads&f=61&t=16440908&b=0&a=0