Some House Rules to make the game more interesting for the adults. 1. The Banker is an independent institution. The Banker doesn't have a piece on the board thus ensuring the security and integrity of the Bank. The Banker also acts as referee. 2. Crime is a thing, a d20 die will be needed. A player can point to any owned property controlled by an opposing player and try to rob it. They roll the dice then roll the d20 die. The dice results are multiplied by the d20 results. If the total is less than 50 they have to pay the target $10 (real money) and go to jail. If the results are 50+ but less than 120, they have to go to pay a fine of M$200 placed on the board and go to jail. They can sub this fine with either $1 to the Banker (so it'll be worthwhile to be the Banker) or $5 on the board. If the results are 120+ but less than 200, they take that target properties stated rent from the target player. If the results are 200+ they take 150% of the stated rent from the target player. If the thief rolls 120+ but the target player can't afford to pay, the target player only pays what money they have on hand and the thief has to accept it and move on. 3. Loans are a thing, a d20 die may be needed. There are 2 types of loans, Bank Loans and P2P Loans. If a player takes out a Bank Loan, they roll as above. The result is the interest owed. If a player takes out a P2P Loan, the loan is interest free but they must pay the player giving the loan real money between $1-20 to be decided by the player giving the loan. In either case, the player taking out a loan has 2 laps around the board to pay the loan back. If they fail to do so, the loan giver, be it Banker or player, will take what money they loan taker has and will foreclose on their hotels, houses (these will be returned to the Bank) and properties (the value of the properties being based on purchase price rather than mortgage value and being transferred unmortgaged). If this process results in more money than is owed, the difference goes to the loan taker. The Bank will foreclose on the least valuable property (based on rent) and work it's way up, a player may foreclose on whatever properties they want though they must respect even build requirements. 4. Deals don't have to be trades, can include real money and can be negotiated in secret though trade deals must be publicly declared when made. Trade deals must be made on the initiating player's turn, non trade deals can be made at any point in the game. Non-trade deals can be made in secret and any secret negotiations/deals must include the Banker (as witness, the Banker has no say). 5. Mergers are a thing. A merger can only involve 2 players. There are 3 types of mergers: Bailout, Consolidation and Predatory. Bailouts require the involved players to have no more than 2 monopolies and M$1,000 combined at the time of the merger. This is intended for struggling players to stay in the game. Consolidation requires the players to each pay $5 and M$200 to the board but otherwise have no restrictions. This is intended for strong players to dominate the board and avoid self-destruction at each other's hands. In both cases, the players retain individual ownership of their properties but are immune to paying rent when landing on another's property, must share 25% of collected rent with their partner and can jointly manage properties (so 1 ina merger player owning Boardwalk and the other owning Park Place would be a monopoly). Predatory is as it sounds. When a player takes an all of an opposing player's money and forces them to mortgage all of their properties but DOESN'T manage to bankrupt them, they can suggest a merger to 'save' them. The player suggesting the merger, provided the target player agrees, must pay $10 and M$400 to the board and unmortgage all of the target player's properties. The player suggesting the merger, if the target player has agreed and they can meet the requirements, takes ownership of their partner's properties and their partner has 0 claim to rents though they can jointly manage properties. The junior partner, for the rest of the game, MUST mortgage any properties they buy or get in trade (getting no money from the bank for these mortgages). If they manage to unmortgage these properties, they must share 50% of the rent with their senior partner. If their senior partner unmortgages the properties they don't receive ownership but they do become entitled to 75% of the rent. This is intended to keep an almost bankrupt player in the game while giving their 'savior' a major advantage. Bailouts and Consolidations are permanent arrangements. A junior partner in a Predatory merger however can pay either M$1,000 or $20 to get out of the arrangement in the event their situation sufficiently improves. 6. Free Parking is a Lotto, not an instant jackpot. Only on board fees are placed on the board with Chance/Community Chest Card fees being paid to the Bank assuming Monopoly money is used. A player can subiste these fees for $1 to the Banker or $5 on the board. In the case of a $5 subituation, the money goes on the board even if the fee came from a Chance/Community Chest Card. When a player lands on Free Parking, assuming there is money on the board, the dice+d20 die roll previously described takes place, starting with the initiating player and then following play order. The player with the highest result gets the jackpot UNLESS the initiating player has the lowest result in which case they get the jackpot. 7. At game end, any unclaimed real money on the board goes to the banker.
