Well, no... It's because you're level 100 and have been playing the game for twice as long as I have, belong to a faction geared up for energy use and war, and have enough disposal assets that you can afford to lose some with lackluster decisions, just as you know that you can waste them on hospitalizing someone three times because they pointed out the flaws in your stated advice.
Contrary to what's already been said, I would suggest sticking to the basic jobs until you get all of the passives. Pick a starting job to your liking (I went with Casino for the intelligence) and then move through the three 'advanced' basic jobs (education, medical and law). At the very least, I would suggest getting into education for the passive, even if you don't care about the other two.
The reason that I say to not go straight into a company is because an employer simply isn't going to give a crap about your needs when you're just a noob filling a position. I say this from experience, as I made that mistake early on, too. I joined a company and immediately realized that the director didn't listen to a thing that I said prior to employment. I jumped right back into casino without a second thought. I've had several other job offers since then, and it was painfully clear that it wasn't a good deal.
Plus, starting companies are the most likely to be ghosted by their directors. A company that's been around for a while is more likely to keep sticking around. This is especially important if you want trains.
By the time that you finish the basic jobs and get any passives that you want, you'll have the stats to really attract a worthwhile employer, and not just one who's desperate to fill seats.
Actives do tend to have more cash on hand, since they are actively trying to make it. Older accounts may have more value, but it's not cash on hand, and passive sources of income really can't make you as much as you can make just by traveling and bringing back things to sell, or other active techniques.
Plus, inactive accounts, except on rare occasion, are picked clean fairly frequently. Being able to find/mug an old account with a lot of money on hand is going to be mostly guesswork.
I started reading the max Happiness book just after Halloween, so I've been at 99,999 happiness for almost two weeks before Diabetes Day, so I can't say that I had any oofs of this nature.
By the way, I ended with about 3000 treats, and a profit of several hundred million, despite the vast amount that I spent on FHCs and refills. This is also in spite of the minor inconvenience presented by 26 petty hospitalizations.
I could always have bought Mortal Coil, though... and been about 300 million in the hole, instead.
I chose not to take Cold Sweat this year, since the current crimes that I'm working on have a limit to how much you can really spend in a short period. You can only have so many card skimmers active, and burglaries will shut you down temporarily if you get a failure. Realistically, you can only spend so much nerve on these current crimes before you have to step back and wait before spending more.
Plus, they're relatively low nerve cost crimes, so you'd have to spend a lot of time tapping on crimes to burn off a lot of nerve, when you'd probably rather spend that time on attacks. Maybe next year, when there's higher level crimes that require more nerve.
Unless you plan to take a few years off of the game and then come back in 2040 to see how many treats you have, it's crap. I've already shown you the math behind it, and I didn't even get into the fact that you'll have several million dollars by selling those treats, which you could then put into the bank if you're so interested in passive income.
Upgrading Mortal Coil at all would be bad advice. The time that it would take for it to be worthwhile is far too long. And, no, it's not 'three years.' Realistically, it would take at least 10 or more for it to be worthwhile. Keep in mind that the three year period is just to break even with what you spent, not for any return on the investment.
However, let's do some math on what rewards you may have if you had instead exchanged those 500 treats, 100 at a time...
If you have Dark Power, that will result in five batches of 500 energy (2500 total). This amounts to 100+ extra treats, which is another 500+ energy, and so on...
If you had Cold Sweat with those 500 treats, that's an extra 500 nerve (plus the extra nerve you'd get when exchanging the treats from Dark Power). With Crimes 2.0, that's a lot of extra money and gear.
If you also have Freebie, you'll receive 50 more treats after exchanging those 500 (and another 5 if you exchange again). Keep in mind that this bonus will also multiply further if you have Dark Power, since those additional treats would also be providing bonus energy when exchanged.
Then, there's all of the other upgrades that improve what treats you get, but even if you just have Dark Power and Freebie, the bonuses are almost geometric. Best of all, these bonuses are immediate, so you'll be applying them to next year's treats, and the next, and so on...
Compare that to breaking even in three years, and only doubling your investment in 6. Then, do yourself a favor and drop Mortal Coil from your 'must have' list.
It depends on what upgrades you've purchased. Obviously, purchase all or most of the upgrades that you want before starting to exchange treats.
If you have Dark Power, it has a maximum of 1000 energy, so don't exchange more than 200 at a time if you want to make full use of that.
If you have Cold Sweat, it has a limit of 32,767 nerve, so you could hold up to that many treats and still get full use.
I don't believe that any other upgrade has a maximum, though the limit for Dark Power is really the only practical limit. I doubt anyone's going to hold 32,767 treats to hit the Cold Sweat limit.
Well, no... It's because you're level 100 and have been playing the game for twice as long as I have, belong to a faction geared up for energy use and war, and have enough disposal assets that you can afford to lose some with lackluster decisions, just as you know that you can waste them on hospitalizing someone three times because they pointed out the flaws in your stated advice.
I started card skimming by testing setups at all of the available locations and recording which ones seemed less likely to be found compared to how fast they filled up. I have never pulled a skimmer that was at less than 250, and I did notice the relation between skims and XP. I've been able to primarily focus on burglaries to power it up, while the skimmers just sit there and slowly accrue.
Meanwhile, I'm still back at the start of Horrifying...
I don't put enough resources into it to get treats fast enough... I'm hoping to get to Shadow of a Doubt before the event ends next week, so I'll at least have MOST of my upgrades finished. I don't have a lot of the perks that really improve output. (not a donator, don't have a revitalizing weapon, no applicable bonus from faction...)
Mortal Coil is decidedly NOT decent. Yes, Torn is a long term game... but that doesn't make this a good deal. Compare the value of those treats (which you won't see any actual profit on for three years) with the value of exchanging those treats now and using the proceeds for other investments. Plus, if you have Dark Power, that 500 treats will amount to 2500 energy that can be used NOW for 100+ treats... that you can then spend NOW for another 500+ energy and so forth.
Ultimately, you can make more by exchanging the 500 treats now, than spending it on an upgrade that you won't even see +1 treat from until the end of a 3 year wait.
So, if you want low risk (and low rewards), you can buy Mortal Coil and just let it sit there for three years, or you can start making those treats work for you now.