Wall Street Rulebook

Table of Contents

Table of Contents

• Setup
• Players' Movement
  • Movement before buying a car
  • Buying a scrap car
  • Buying a sports car
• Swedish Companies
  • Buying Swedish company certificates
  • Selling Swedish company certificates back
  • When is rent paid?
  • Rules for building on Swedish companies, square 9
  • Dividends on Swedish companies, squares 32 and 39
• Foreign Banks
  • Buying foreign funds and shares
  • Fund price and dividend
  • Share prices
  • Share dividends
  • Example
• General Rules
  • Bank account, deposits, withdrawals and interest
  • Insurance
  • Selling back for cash when needed
  • Bank loans and repayment
  • Collecting and paying loan interest, square 40
  • Changing the interest level. Square 37
  • Fund dividend in the foreign fund square. Square 38
  • Wall Street News, square 40
  • Bankomat. Squares 1, 21, 26 and 36
  • Bank Inspection. Squares 11 and 31
  • Enforced auction (exekutiv auktion), square 33
• Winning the Game
• Game Ethics
• Contents

Setup

1. Punch out the sheet of components and carefully fold the bank books.
2. Sort the foreign shares and funds by their respective bank and place the cards in the matching compartments of the insert.
3. Sort the Swedish companies into their respective company groups (service, property, forest, pharmaceuticals, electronics and finance).
4. Sort the banknotes by denomination. Place the banknotes in the matching compartments of the insert.
5. Place the event cards at their respective places on the board (Bankomat, Bank Inspection and Wall Street News).
6. The game's World Banker gives every player 600,000:- in suitable denominations and one bank book each.
7. The players choose a colour for their playing piece and place their pieces on square 40, Wall Street News.
8. The player who rolls the highest number with one die begins the game.
9. Appoint a banker to the World Bank. The banker sets the interest level by rolling one die. A one means 10% interest, a two means 20%, and so on. The maximum interest level is 60%. (Read more about interest on page 6.)

Players' Movement

Movement before buying a car

Players without a car roll one die when moving. Players move clockwise around the board. Movement is made by as many steps as the die shows. The only exception is square 40, Wall Street News, where all players always stop regardless of what the dice show.

Buying a scrap car

At any time when it is your turn, but before you have rolled the die, you are entitled to buy a car. A scrap car costs 50,000:-. After the purchase you must always roll two dice when you move around the board. If you are in urgent need of money, you may sell the scrap car to the World Bank for 10,000:- at any time.

Buying a sports car

A sports car costs 300,000:-. If you own a sports car, you roll either one or two dice when moving, which you decide before rolling. The World Bank will buy back a sports car at any time for 50,000:-. You may only own one car at a time; trading cars between players is not allowed.

Swedish Companies

Buying Swedish company certificates

When players land on one of the Swedish company squares on the board, these may be acquired at the price they carry.

The Swedish companies are divided into six different company groups:

1. Service companies
2. Property
3. Forest
4. Pharmaceuticals
5. Electronics
6. Finance

(The rules include a component illustration of a Swedish company certificate showing: the square number on the board, the company group, the company name, the purchase price, the rent when unbuilt, the rent when built, the price of the building, and the dividend.)

Selling Swedish company certificates back

At any time when a player is in turn and in need of money, he may sell any Swedish company certificate back to the World Bank for exactly the same price the company cost. If the company has been built on, the player also receives the money for the building back. It is also permitted to sell only the building and keep the company.

When is rent paid?

If a player lands on a Swedish company that he or she already owns, nothing happens. If, however, you land on a company owned by an opponent, you must pay rent to that opponent. The size of the rent is stated on the company certificate. If a player owns an entire company group (called a conglomerate, koncern), double rent is charged. Note: if the company owner forgets to collect his rent before the next player has rolled the die, he loses his rent.

Rules for building on Swedish companies, square 9

Players may only build on their companies when they are on square 9 (Build), unless a card states otherwise. You decide for yourself which one or ones of your companies you want to build on. There is no limit on the number of buildings. You do not need to own all the companies within a conglomerate in order to build.

The price of a building is stated on the company certificate. The certificate also states what it costs an opponent to land on your company once it has been built on. When the player has paid for his building to the World Bank, he places the building on the built-on company's square.

Dividends on Swedish companies, squares 32 and 39

Players who land on these squares have a chance to receive dividends on their Swedish companies. First the player rolls both dice. The numbers the dice show are the number of the company group or groups that pay a dividend: a one on the die means Service, a two means Property, and so on. You only receive a dividend for one company group, even if the dice show that you could receive one for two. Choose the company group that gives you the largest dividend.

Then the player rolls both dice again to see how large the dividend is. The sum of the two dice is multiplied by the figure for the dividend, which can be read at the bottom of the company certificate. If the player has several companies within the same company group, all of them pay a dividend.

Foreign Banks

On the foreign banks, players trade in foreign funds and shares and receive their dividends. Important: first the player rolls the dice to see whether the shares give a dividend, and the player receives fund dividends; then it is time to buy one more share and one more fund, if the player wishes. The board has six foreign banks:

1. Italia Bank
2. London Bank
3. Monaco Bank
4. France Bank
5. Bundes Bank
6. Wall Street Bank

Buying foreign funds and shares

When your playing piece lands on a foreign bank, you may do business with that bank. At the start of the game each foreign bank has six funds and six shares. You may buy one share and one fund per visit.

(The rules include a component illustration of a foreign fund certificate showing: the bank number, the bank's name, the purchase price, the dividend, and the fund dividend.)

Fund price and dividend

If you buy a fund in a foreign bank, you receive a fund dividend (one or several, depending on how many funds you own) every time your playing piece visits the same bank. The price and dividend of each fund can be read on its respective fund certificate.

Fund dividends to all players (square 38), see page 6.

Share prices

The foreign shares are divided in the same way in all banks. The shares are graded so that share 1 (which costs the least) yields the lowest sum, while share number 6 always gives the largest dividend and is therefore the most expensive. The price of each foreign share can be read on the share certificate.

Share dividends

Unlike the foreign funds, where you always receive a dividend when you land on the foreign bank square, for share dividends you must roll the dice to see whether a share you hold gives a dividend. Note that only one share at a time can give a dividend.

How to do it:

Roll both dice to see whether your particular share in the current bank gives a dividend. If one or both dice show your share number, the share gives a dividend. If the dice show different share numbers and you own both shares, only one share gives a dividend (the one with the higher number). It is not permitted to add or subtract the numbers on the dice.

To determine the size of your share dividend, you roll both dice again. You then multiply the sum of the dice by the dividend figure on the share certificate. This is your share dividend.

If the player also owns funds in the same bank, the fund dividend is also paid in the same turn. Finally, the player may make new deals in the foreign bank, i.e. buy one more fund and one optional share if desired.

Example

The player owns one fund and one share in Bundes Bank. The player lands on Bundes Bank again and must then immediately roll both dice to see whether he receives a dividend on the share he owns in Bundes Bank (share number 4).

If our player rolls a 3 and a 5, the share gives him no dividend at all.

If instead our player rolls a 2 and a 4, he receives a dividend on his share, since it has number 4. He then makes a new roll with both dice to see how large the dividend is. This time he rolls a 6 and a 4, which add up to 10. The number 10 is multiplied by the dividend figure on the share certificate, in this case 60,000:-. The dividend is therefore 10 x 60,000:- = 600,000:-.

Should the player own both share number 2 and share number 4, it is always the highest share that gives a dividend, that is number 4. After this the player also receives a dividend on his fund. In this case the player has only one fund in Bundes Bank and therefore receives 110,000:-.

General Rules

Bank account, deposits, withdrawals and interest

A player may only deposit or withdraw capital from his or her own bank book when on squares 1, 21, 26 and 36 (Bankomat squares), unless a card states otherwise. Deposits are made in even amounts of 100,000:- and a player may never have more than 1,000,000:- deposited in the bank book. Banknotes are placed under the bank book so that they are not mixed with the player's cash. A withdrawal means the player takes any sum he or she wishes out of the bank book. Deposited money earns interest each time the player reaches square 40 (Wall Street News). The current interest level is shown on the interest barometer. Players' deposited money does not count as cash, but bank funds are counted in your total capital at the end of the game.

Insurance

A player may at any time, when it is his or her turn and before rolling the die or drawing a card, purchase an insurance policy for 150,000:-. This insurance protects against unpleasant surprises that may come from the game's three types of event cards. You may never sell your insurance.

Selling back for cash when needed

At any time during your turn (before or after rolling the die), you may sell one or more companies, with or without buildings (or only buildings), for their full value when you are in need of cash. This also applies to the shares and funds you own. Cars are sold back at a reduced price, see page 2. See also the section on game ethics on the last page.

Bank loans and repayment

Each time it is your turn, and before or after you roll the die, you may take a loan from the World Bank. Each loan is 50,000:-. A player may only take one loan at a time, and a player may hold three loans in total, that is 150,000:-. Loans may only be repaid when the player is on a Bankomat square, unless another card in play states otherwise. When a loan is repaid, the player pays no interest.

Collecting and paying loan interest, square 40

Interest on loans taken is paid each time the player stops on square 40, Wall Street News. The current rate is shown on the interest barometer in the middle of the board, see the example below. If the player has money deposited in his or her bank book, the interest on it is collected on this square. More about square 40 (Wall Street News) in the text below!

Changing the interest level. Square 37

Each time a player lands on square 37, or when a player is forced by a card to roll the die to change the interest rate, the current interest level changes. The rate is read from a die. A one means 10% interest, a two means 20%, and so on. The maximum interest rate is 60%. The player turns the cover disk of the interest barometer until the correct die result is shown in the opening. The cover disk also works as an interest table. Use the table to quickly read the interest rate (10–60%) on loans and bank funds (50,000–500,000:-).

The interest level and the interest rate on loans and bank funds are shown on the game's interest barometer. In the example, the player has rolled a six, which gives the maximum interest rate of 60%. The effect of the current interest level is read from the table on the cover disk. A loan of 50,000:- now carries interest of 30,000:-!

Fund dividend in the foreign fund square. Square 38

The dividend applies to all players. The player landing on the square rolls one die to see which foreign bank pays a fund dividend. A one means Italia Bank has a fund dividend, a two means London Bank has a fund dividend, and so on. All players who own one or more fund certificates in the bank in question receive a fund dividend on all of their funds.

Wall Street News, square 40

A player always stops on this square, even if the dice show something else. When a player arrives on square 40, he or she first collects interest on his or her bank deposits (if any) and pays interest on any bank loans (if any). The player then draws a Wall Street News card and follows the instructions on the card. Some cards remain in play until the next player draws a new card from the pile. Used cards are placed at the bottom of the pile.

Bankomat. Squares 1, 21, 26 and 36

Each time a player lands on a square marked Bankomat, he or she has the opportunity first to carry out banking transactions. Banking transactions consist of repaying one or more loans, and depositing or withdrawing money from one's bank book, in even amounts of 100,000:-. The player then draws the top card of the Bankomat card pile and follows the instructions on the card. Used cards are placed at the bottom of the pile.

Bank Inspection. Squares 11 and 31

A player who lands on this square takes the top card of the pile and follows the instructions on the card. A bank inspection verdict can be a terrible blow to a player. A good tip is to have taken out your insurance before drawing a bank inspection card.

Enforced auction (exekutiv auktion), square 33

A player who lands on this square is forced to sell one of his or her Swedish companies with its building, if there is one, at an enforced auction. The player chooses for himself or herself which company is to be auctioned. Your own conglomerates count as locked; a player can never be forced to sell a single company within a conglomerate. All players (including the auctioneer/seller) may take part in bidding for the company, and even a player who does not have enough cash can win the bidding. For this to succeed, it is important that one's fellow players cannot see how much cash one has at the moment. A good rule is therefore to keep your cash hidden in your bank book from the very start of the game.

How the auction is run:

The involuntary seller takes the role of auctioneer and also takes part in the bidding himself. The player to the left of the auctioneer makes the first bid. Thereafter the turn passes clockwise. Each player has the right to pass once, and after the second pass the player is out of the bidding. It is the auctioneer's task to lead the auction, that is, to keep track of whose turn it is, who has passed and how many times, and to count down "first, second, third" before the gavel strike. If the auctioneer/seller wins the bidding, he pays the purchase price to the World Bank and keeps his company certificate. If an opponent places the highest bid, the purchase price is paid to the auctioneer/seller, who transfers his company certificate to the new buyer. If a player who lacks sufficient cash wins, he or she may hold a clearance sale of selected possessions in order to complete the purchase. A player may also choose to admit that he or she was bluffing in order to push up the price. A bluffer who is exposed must then pay a fine of 50,000:- to the World Bank. The enforced auction is then re-run from the start, without the bluffer.

Winning the Game

Wall Street can be won in two different ways. A player declares himself or herself the winner when it is his or her turn:

1. The first player to have 4 million in cash (deposited capital also counts) is the winner. (Shorter game: 3 million in cash to win. Decide the amount before the game begins.)
2. The first player to own an entire conglomerate and 1.5 million in cash (deposited capital also counts) has won. (Shorter game: decide among yourselves the cash requirement for winning the game.)

Game Ethics

Players on Wall Street may not sell shares, funds, companies, buildings, etc. in order to raise cash for the purpose of winning the game. This is a matter of honour, and is closely monitored by your fellow players.

Contents

• 1 game board
• 2 dice
• 6 playing pieces
• 20 buildings
• 20 Swedish company certificates
• 36 foreign funds
• 36 foreign shares
• 18 loan certificates
• 6 scrap car certificates
• 6 sports car certificates
• 6 insurance policies
• Bankomat cards
• Bank Inspection cards
• Wall Street News cards
• 1 interest barometer
• 6 bank books
• 2 multiplication table reference cards
• a number of banknotes in various denominations