Resources

“Never in my house.. Ye abide by m’rules ya see…”
“Action is the foundational key to all success” -Picasso
The Laws of Nature are just, but terrible. There is no weak mercy in them. Cause and consequence are inseparable and inevitable. The elements have no forbearance. The fire burns, the water drowns, the air consumes, the earth buries.”
—Henry Wadsworth Longfellow

The Resources Merit denotes a characters’ available, disposable funds or “ready cash” they have easily to hand every normal month, as “spending money”. These are often called Background Merits. The Photo place for Equipment is the Black Market Global Company.

If you are after an item that should be available to a particular Profession or Group you belong to, you may use your Status in that particular field to obtain the item. For example: a Forensic Kit may have a cost of 3, you can obtain it using a combination of Resources and Status. You may use Status /2 added to any Resources needed if you have connections of 3 to the Police Department or use your Criminal Gang Connections of 2, along with your Resources of 2 to purchase it illegally off of a Black Market.

  • A gun costs you 3 Resources or you use your one of your Status Favours to get the gun but as you only have a Status of 2, you also pay 1 Resources. If you’re willing to use a worn, second hand gun that’s possibly used before (for who knows what) you might be able to get it for “free” using no Resources as it would cost 2 but you’re using your Status if 2 to intervene. There! Done & dusted.

Resources have 10 DoTs unlike a normal Merit, like a Financial Health Track rather than a normal Merit as most people have something on this track. A Job Merit adds it’s DoTs to any Resources as long as you spend the time & effort required and keep the job.

Spending: A Character may spend their [[Resources] as follows:-

  • Resources DoT Value: Items up to half the Resource DoT Value in a Episode.
  • 1 below Resources DoT Value: DoT Value -1 number of items.
  • 2 below Resources DoT Value: Any reasonable amount as allowed by Storyteller.

Savings and Debt Indicators on Character Sheet. They may grant Temporary Conditions until resolves by spending all the Savings or paying all the Debt.
Savings = Resources + Resolve * 10. Use these if you need to and then it’s Debt Boxes.
I.e. 3+2=5*10 ???

Resources Real World Equivalency Description
0 10,000/£10 Precariat (Underclass) Unemployed, Retired or living below the Poverty Line.
£18,000/£100 Service Class Barely surviving on Minimum Wage & Benefit Contributions.
•• £250 Working Clas£500
••• £500 Affluent Worker/Upper Working Class
•••• £1000 Professional Middle Class £100
••••• £5000 Established Middle Class/Filthy Rich £500
••••• • £10,000 International Playboy !!
••••• •• £50,000 International Rich
••••• ••• £100,000 Global Elite Class £100
••••• •••• £500,000 Filthy Rich £500
••••• ••••• £1,000,000 Owns the World! £100

Examples of high Resources without needing other Merits such as Status or Job include Lottery Ticket, Inheritance, Dividends, Secret Sponsor,

0 DOT : No regular income, few possessions and no real savings. Not a home-owner so likely they rent their property, house share or squat or are even homeless. Unlikely to have a job and no investment or savings.

  • 0 DoT – £20 : Poverty Underclass (Benefits or Retired)
    - £12,000 p.a. / £100 or Less p.mth. “Ready Cash”* = £20 P.wk
    Barely able to pay the rent on the most squalid of Cribs or has to make do squatting, flat sharing or homeless and living rough. Less than £100 Savings
  • 1 DoT – £50 : Below minimum wage or Part-Time
    > 15,000 p.a. – £200 or less a month or £50 per week
    available to you after the basic essentials are taken care of.
    £1000 Savings
  • 2 DoT £100 : Average Working Wage
    > 24,000 p.a. – £500 a month (AVG Annual salary: £24,000) or £100 week
    £5,000 Savings
  • 3 DoT – £250 : Professional’s Wage
    > £45,000 p.a. – £1,000 or £250 week
    £10,000 Savings
  • 4 DoT – £1000 : Executive Wage
    - 90,000 p.a. – £5,000 p.Mth or £1000 week with £50,000 Savings.
  • 5 DoT – £2,000 : Director’s Wage
    - 150,000 p.a. – £10,000 p.mth or £2,000 week with £100,000 Savings.
    Able to buy a new car every month or continuously buy himself and others the luxuries they desire.
  • 6 DoT – £10,000 :
    - £250,000£50,000 P.mth is £10,000 a week and
    £500,000 Savings
  • 7 DoT : Millionaires Wage
    £100,000 P.mth £250,000 a week with £1,000,000 Savings.
  • 8 DoT : £500,000
    - £5,000,000 Savings
  • 9 DoT : 1 Million a month disposable income
    £10,000,000 Savings
  • 10 DoT : Billionaire, Money no object.

Resources dots – Wealth Level
0 – 50$
• – 250$
•• – 500$
••• – 1,000$
•••• – 2,000$
••••• – 4,000$

Every character has a number of Savings boxes equal to their Resources + Resolve and Debt boxes equal to their Resources +1 squared. When making purchases larger than their wealth value each whole increment of that value checks off one Savings or Debt box. A character with Resources 3 buying a 2,000$ computer would need to check off two boxes of Savings or Debt, for example.

At the end of each (story/month, take you pick) a character clears a number of boxes equal to their Resources dots between the Savings and Debt tracks. They may also check off Savings boxes to clear more Debt boxes. After this if the character has not checked off any Savings boxes the entire (story/month) they may clear an additional box as interest grows and bits saved here and there add up. For every multiple of Resources Debt boxes checked off, round up, the character checks off another Debt box due to interest.

If a character ever would need to check off a Debt box and has no more remaining nor any free Savings to check off they have surpassed their credit limit. At this point they generally need to take a long term form of debt, such as a mortgage, that lowers their Resources dots by one due to monthly payments, or (at ST digression) sell off significant assets such as their home. In either case clear a number of Debt boxes equal to Resources squared as the change in circumstance lets the character limp on financially.

Social Merits
Social Merits such as Resources, Status, Allies, Fame, and similar involve the character’s relationships. Relationships can be threatened if one dose not devote enough to them. Skip work to go monster hunting and one might find themselves demoted or even out of a job. Fail to keep up with the old high school buddy turned cop and they probably won’t feel obligated to cut you some slack on a speeding ticket.

When a character blows off their job or social obligations or commits a breech of trust they make a test, usually Intelligence + Subterfuge to plan their lies or Intelligence + Politics to manage the office bureaucracy, with a bonus equal to their appropriate Status or Allies dots and a penalty equal to the level of the blow off or twice the level of the breech. Other modifiers may apply, such as if the character has been flakey lately.

level – Blow Off, Breech
1 – Failing to return correspondence with old friends, Minor betrayal often involving sins against Morality 10
2 – Generally being lousy at work due to fatigue or the like, Betrayal often involving sins against Morality 8-9
3 – Using allot of work time for personal projects, repeatedly passing up social obligations such as poker night, Betrayal often involving sins against Morality 6-7
4 – Skipping allot of work, Failing to return an important favorBetrayal often involving sins against Morality 4-5
5 – Skipping work or similar obligation with no warning, Not coming to a friends aid in serious circumstances, Utter betrayal usually involving sins against Morality 1-3

Dramatic Failure: The character permanently looses a dot of the threatened Merit.
Failure: The character temporarily looses a dot of the Merit. They recover one temporarily lost dot at the end of each Story or if they can prove themselves in a big way, such as saving an Allies life.
Success: The character manage to cover for themselves and has no change in status.
Exceptional Success: Not only dose the character cover their ass but they even set up for next time getting +1 to the next test to save this Merit.

It’s not perfect but it doesn’t involve tracking the cost of every bullet a PC fires while still showing the risk of growing obsession with the occult, not only financially but also in terms of the friends, allies, and respect they stand to lose should they go off the deep end.

Example: Harry Dresden, a shabby though often strangely effective Private Investigator and Wizard-for-Hire who works out of a small corner shop in Chicago.. His Resources of 1 is low so the Character never lives in luxury or has any readily available funds. This does not mean he doesn’t handle priceless artifacts every day or drives about in the best cars, goes to Royal parties etc.. Just, he can’t live nicely as default.

Resources (• to •••••)Social
Effect: This Merit reflects your character’s disposable income. She might live in an upscale condo, but if her income is tied up in the mortgage and child support payments, she might have little money to throw around. Characters are assumed to have basic necessities without Resources.
The dot rating determines the relative amount of disposable funding the character has available, depending on your particular chronicle’s setting. The same amount of money means completely different things in a game set in Silicon Valley compared to one set in the Detroit slums. One dot is a little spending money here and there. Two is a comfortable, middle class wage. Three is a nicer, upper middle class life. Four is moderately wealthy. Five is filthy rich.
Every item has an Availability rating. Once per chapter, your character can procure an item at her Resources level or lower without issue. An item one Availability level above her Resources reduces her effective Resources by one dot for a full month, since she has to rapidly liquidate funds. She can procure items two Availability level below her Resources without limit (within reason). For example, a character with Resources •••• can procure as many Availability •• disposable cellphones as she needs.
Reference: ChoD 53

Resources (• – •••••)
A character’s Resources represents their general lifestyle and disposable income. A character with 0 dots of resources is living month to month with room mates, basic public public transit, and near no discretionary spending. A character with resources 5 is rich with a nice home, expensive cars, and a great deal of available cash to fund their interests.

A character’s wealth level is based on their Resources dots. Purchases under this wealth level may be made more or less freely in small quantity as the character can save a bit on the rest of their live to cover the costs. An extra box of ammo is 25$, that much one can save eating top-ramen for a week or taking the bus to class instead of paying for parking every day.
Resources dots – Wealth Level
0 – 50$
• – 250$
•• – 500$
••• – 1,000$
•••• – 2,000$
••••• – 4,000$

Every character has a number of Savings boxes equal to their Resources + Resolve and Debt boxes equal to their Resources +1 squared. When making purchases larger than their wealth value each whole increment of that value checks off one Savings or Debt box. A character with Resources 3 buying a 2,000$ computer would need to check off two boxes of Savings or Debt, for example.

At the end of each (story/month, take you pick) a character clears a number of boxes equal to their Resources dots between the Savings and Debt tracks. They may also check off Savings boxes to clear more Debt boxes. After this if the character has not checked off any Savings boxes the entire (story/month) they may clear an additional box as interest grows and bits saved here and there add up. For every multiple of Resources Debt boxes checked off, round up, the character checks off another Debt box due to interest.

If a character ever would need to check off a Debt box and has no more remaining nor any free Savings to check off they have surpassed their credit limit. At this point they generally need to take a long term form of debt, such as a mortgage, that lowers their Resources dots by one due to monthly payments, or (at ST digression) sell off significant assets such as their home. In either case clear a number of Debt boxes equal to Resources squared as the change in circumstance lets the character limp on financially.

Social Merits
Social Merits such as Resources, Status, Allies, Fame, and similar involve the character’s relationships. Relationships can be threatened if one dose not devote enough to them. Skip work to go monster hunting and one might find themselves demoted or even out of a job. Fail to keep up with the old high school buddy turned cop and they probably won’t feel obligated to cut you some slack on a speeding ticket.

When a character blows off their job or social obligations or commits a breech of trust they make a test, usually Intelligence + Subterfuge to plan their lies or Intelligence + Politics to manage the office bureaucracy, with a bonus equal to their appropriate Status or Allies dots and a penalty equal to the level of the blow off or twice the level of the breech. Other modifiers may apply, such as if the character has been flakey lately.

level – Blow Off, Breech
1 – Failing to return correspondence with old friends, Minor betrayal often involving sins against Morality 10
2 – Generally being lousy at work due to fatigue or the like, Betrayal often involving sins against Morality 8-9
3 – Using allot of work time for personal projects, repeatedly passing up social obligations such as poker night, Betrayal often involving sins against Morality 6-7
4 – Skipping allot of work, Failing to return an important favorBetrayal often involving sins against Morality 4-5
5 – Skipping work or similar obligation with no warning, Not coming to a friends aid in serious circumstances, Utter betrayal usually involving sins against Morality 1-3

Dramatic Failure: The character permanently looses a dot of the threatened Merit.
Failure: The character temporarily looses a dot of the Merit. They recover one temporarily lost dot at the end of each Story or if they can prove themselves in a big way, such as saving an Allies life.
Success: The character manage to cover for themselves and has no change in status.
Exceptional Success: Not only dose the character cover their ass but they even set up for next time getting +1 to the next test to save this Merit.

Having Resource dots is almost essential for a nWoD characters. Choosing not to spend some of your starting 7 Merit dots or 2XP per dot, is asking to roleplay someone very poor. and this can be very fun.

Alternatively, your GM might say something like: "All Players start with Resources 2, you guys are working for X and that is what they pay you. If you want more, buy it with XP/starting dots and it comes from some other source such as a trust fund/internet venture/investments/other job. This is similar to to giving some extra starting XP.

What You Have
The Resources Merit from page 115 of WoD Core:
This Merit measures your character’s material resources, both possessions and wealth. All characters are assumed to have a job or a source of income (trust fund, parents) that is sufficient to cover their basic needs: food, shelter and transportation. Dots in this Merit represent disposable income — wealth and assets that can be liquidated for more money in case of emergency.
So Basic Needs:
food: You aren’t going to starve, but you definitely can’t afford to go out and woo a potential ally by taking them to a fancy restaurant.
shelter: Though many templates have a Safehouse-type Merit for this. A character without any Merits can have a home. It won’t be particularly secure or secret. Alternatively you might like to roleplay as homeless (Have a read though some of the stories in Hunter: Horror Recognition Guide for some ideas about this.).
transportation: However, as prices are listed for cars in Armory, this can be assumed to be “you can afford bus fare or the occasional taxi.”
Beyond your basic needs, you have the kind of things you might be able to find thrown out on the side of the street, or dropped and not picked up. eg sticks, strips of cloth, box of matches.

Clothing:
Most clothing is free, assuming it provides no mechanical bonus. Fashionable clothing that would give a social bonus has a price (though I don’t know if it is listed anywhere; it is definitely in the God-Machine Rules Update, though that is a slightly different system)

Reinforced Clothing, e.g., Leather Jacket, is also free (and produces a 1/0 armour rating): WoD Core page 170
Weapons:
Wooden Club 2B: WoD Core page 170 and Armory page 130
Stake 1L" WoD Core page 170, Armory page 130
Chain 1B: Armory page 31
Poi 0B: (A chain/rope with weights on the end) Armory page 31
Sling 2B: a piece of cloth perhaps with some rope attached, and a cup to hold the projectile for throwing rocks. Armory page 92
Stave Sling 3B: A sling tied to a stick. Armory page 92
But NOT a Sling Shot: 0B Cost 1. Armory page 93 & Hunter page 247
Improvised Weapons:
Hairspray Flamethrower: -2L . This suggests you can also reasonably acquire Matches and Hairspray. But you can not afford Water Proof matches, those are cost 1. Hunter page 252
Scent Bomb/ Bad Odor Bomb: Basically smelly oils/perfumes in a glass jar Hunter page 252
What You Don’t Have
To get an understanding of how poor a Resources 0 character is, it might help to consider the listed things they can’t just go out and buy. There are some things we don’t think about, that to enjoy this roleplaying experience you should remember you don’t have:

A car, a bicycle or even a skateboard all have listed prices of one dot (or more for cars) in Armory.
Earplugs (Hunter Core page 230) Cost 1. You literally have no money. Your wallet is empty if you even own one. You can not walk into a supermarket and buy a 20c set of earplugs.
Mobile Phone (Hunter Core page 237)
Any kind of knife: Kitchen Knife is cost 1 (Hunter page 240), other knives are in Armory and are also at least cost 1.
Anything that could reasonably be liquidated — turned into disposable cash. So no “I sell my grandfathers watch.” Basically if it could in anyway be turned into money at some decent portion of its initial cost, in short amounts of time, then you do not have it.
However, Resources is only what you can buy
The Resources Merit only says what you can buy, not what you can have. If a Resource zero character gets into a fight with a gun-carrying security guard, and manages to win, he can pick that gun up and use it just fine. He is even allowed to go and pick a fight with the guard just to get his gun to shoot someone else. There is some discussion on that here.

So that is what it is like to have 0 dots of Resources. Now one dot of Resources can get you a lot. If you had one dot that is a car, some body armour, even a gun.

This Merit reflects your character’s disposable income. She might live in an upscale condo, but if her income is tied up in the mortgage and child support payments, she might have little money to throw around. Characters are assumed to have basic necessities without Resources. The dot rating determines the relative amount of disposable funding the character has available, depending on your particular chronicle’s setting. The same amount of money means completely different things in a game set in Silicon Valley compared to one set in the Detroit slums. One dot is a little spending money here and there. Two is a comfortable, middle class wage. Three is a nicer, upper middle class life. Four is moderately wealthy. Five is filthy rich.

Every item has an Availability rating. Once per chapter, your character can procure an item at her Resources level or lower without issue.
An item one Availability level above her Resources reduces her effective Resources by one dot for a full month, since she has to rapidly liquidate funds.
She can procure items two Availability level below her Resources without limit (within reason). For example, a character with Resources 4 can procure as many Availability 2 disposable cellphones as she needs.

On the other hand: the Luxury Merit
There is also the Luxury Merit from Seers of the Throne page 52. It is not restricted to Mages. While Resources represents disposable income, on top of basics like food, shelter and transportation, the Luxury Merit represents having huge quantities/qualities of these basics. Luxury 2 has the assets of someone with Resources 5. This means they always eat at the best restaurant, always fly first class, get to drive really flashy cars and have a home for them in every city they care to visit. Luxury 4 adds to this helicopters at their beck and call, a large staff of servants, and access to almost any whim they may desire — but not for Weapons or Cash. Luxury is often the result of a business/organisation paying for your needs. I always liked the idea of a Luxury 2, Resource 0 Archbishop.

It’s not perfect but it doesn’t involve tracking the cost of every bullet a PC fires while still showing the risk of growing obsession with the occult, not only financially but also in terms of the friends, allies, and respect they stand to lose should they go off the deep end.

Resources

ANother World of Darkness - Alpha Network Greyman Greyman