Ticket To Ride Nederland
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Players: 2-5
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Age: 8+
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Languages: English
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Expansion: Yes
In addition to helping you avoid loans, coins matter because at game's end, players receive a bonus based on how many coins they hold relative to everyone else. In a five-player game, for example, the player with the most coins scores a 55 point bonus; the 2nd place player scores 35 points, and the other players 20, 10 and 0 points. If you've taken a loan, however, you're ineligible for this bonus scoring, so players have an incentive to build early and often.
These coin bonuses are balanced by the multitude of destination tickets with large point values: six of them are worth 29+ points while another seventeen are worth 17-26 points.