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Laughlyn Vaughns
Gallente Lagos-Vaughn Industries
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Posted - 2006.08.21 23:02:00 -
[1]
Just though tin light of the recent venture of Dentara/Cally it might be a time to get sum kind of "Official" bankign setup in eve.
My thought is a skill that gives u say 2% per 30days per level so thats a max of 10% per month in ur CORP acount. make it part of trade AND corp management like CFO skill and that would mean more cash into corps or fo rsolo players themselves.
Trade Lv5 Corp Management to 5 for it so its not an easy ride to basically free iskies but summat that will help out a lot.
that way peopel get an Interest rate for their corp (for alliances its upto each corp to get skill up and donate say) and it'll enable corps to save up for items they need, like my corp for example want a Freighter that we can all use which we are currently working on. We are group of 10, yes 10!! but we are building it bit by bit and its gonna be a real accomplishment for us to do this and gettign said skill up would enable it to move that little bit quicker for serious graft.
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Verno Louane
GoonSwarm
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Posted - 2006.08.21 23:06:00 -
[2]
While this seems like it would be nice, it would be an awful idea. This would cause massive amounts of inflation and throw the economy out of whack a bit. Inflation will also cause the prices of everything to rise and the value of your Isk to lower.
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GPerson
Gallente The Scope
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Posted - 2006.08.22 06:30:00 -
[3]
I'd just create my own corp and throw all my isk into the corp wallet.
~~~~~~~~~Sig Stuffs Here~~~~~~~~~~ I highly recommend drunken posting. |
EvilDoomer
Caldari Chicago Mobsters Veritas Immortalis
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Posted - 2006.08.22 20:02:00 -
[4]
Edited by: EvilDoomer on 22/08/2006 20:05:13 Why not have banking.
In RL there is interest on your funds.
People would love this idea. Or is CCP afraid I might enjoy eve more cause I get alittle more isk to spend on stuff.
It would not drive the market up CCP is doing that by seeding 1 or 2 bpo's instead of putting them out there. Where people can have fun buying and selling. Instead of everyone paying 250mil for a hac. Which is dumb. And cannot find them anyway.. example = Cerberus.
Help the people make more isk so we can have more fun buying and doing stuff instead being afraid to work 2 weeks to build a battleship then in a 30 sec fight lose it. Becuase of that people dont like to fight that much.
Thanks
EvilDoomer
Chicago Mobsters In-Game Channel:DAMOB
Wooof wooooof |
Miels
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Posted - 2006.08.23 03:26:00 -
[5]
RL has banking because people pay interest on loans.
Having a skill which arbitrarily gives isk for having isk sit there is dumb. And imbalancing for megacorps and mega-alliances
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Sigos
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Posted - 2006.08.23 05:03:00 -
[6]
Originally by: EvilDoomer Edited by: EvilDoomer on 22/08/2006 20:05:13 Why not have banking.
In RL there is interest on your funds.
People would love this idea. Or is CCP afraid I might enjoy eve more cause I get alittle more isk to spend on stuff.
It would not drive the market up CCP is doing that by seeding 1 or 2 bpo's instead of putting them out there. Where people can have fun buying and selling. Instead of everyone paying 250mil for a hac. Which is dumb. And cannot find them anyway.. example = Cerberus.
Help the people make more isk so we can have more fun buying and doing stuff instead being afraid to work 2 weeks to build a battleship then in a 30 sec fight lose it. Becuase of that people dont like to fight that much.
o_O
O_o
O_O
X_X
You, sir, are an idiot. If we have, for example, 10% interest per month, we will have more money all over, and, with more money, more inflation all around. We have had a relatively low rate of inflation thusfar, but this will just kill the economy. Next month, things will cost 10% more; in two months, things will cost 21% over what they cost now; another month after that, 33.1% more than they do now. Why? Because that's how much free money is gonna go into the economy. While it won't actually be exactly this much, it will be noticeable.
Second of all, banks in real life give interest on money because they make money on your money. Similarly, a legitimate bank in EVE gives interest on your money because they make a profit on your money.
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Zopha
Gallente Interstellar Business Machines Corp.
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Posted - 2006.08.23 05:54:00 -
[7]
It's called investing in a battleship and doing level 4 missions. CCP are looking for more ISK sinks not the other way around.
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Celeste Storm
Gallente Elite United Corp Antigo Dominion
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Posted - 2006.08.23 10:33:00 -
[8]
Originally by: Sigos You, sir, are an idiot. [blabla]
Sorry to tell ya, but ur the only idiot in this thread since u failed to understand that this is a forum where everybody may have his/her own opinion wether u like or not.
Being polite is a skill lots of people forgot to train these days.
Cel.
whiners make m3 s!ck | Do you like farmers?
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Shi'ra Kull
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Posted - 2006.08.23 10:53:00 -
[9]
We do not need a banking skill, what we need is a system that provides security on loans. Then people could setup banks without the risk of scams. Morbors investments anyone....
I wonder if the new contracts system will make this possible ?
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Reiisha
Frontier Technologies
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Posted - 2006.08.23 11:00:00 -
[10]
Originally by: EvilDoomer Why not have banking.
In RL there is interest on your funds.
I think you need to know how interest works in the real world.
Banks can give interest because they invest the hard cash people put in there. They can rightly assume that there will be no time where everyone single client comes to pick up their money, so banks actually have ghost money in their vaults, and spend the real thing (invest it). With the profits they make, they can afford interest payouts - amongst other things.
Since the EVE cash is not invested into the economy, but remains static, the isk comes from nowhere instead of from profits - introducing interest in eve without having the isk sink investments will mean a huge inflation over the whole board, and we don't need that.
Banking with interest is possible if a player decides to make an actual bank to use the funds with, but with the static amounts in the player accounts themselves, this will not work.
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Manic Mole
VENOM72 Cobra Alliance
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Posted - 2006.08.23 11:56:00 -
[11]
that's a great idea it'll only drive the pricese for everything in existance up and make it even harder for new people to get started.
if anything I say offends STFU. |
Malachon Draco
eXceed Inc. Ascendant Frontier
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Posted - 2006.08.23 14:08:00 -
[12]
Edited by: Malachon Draco on 23/08/2006 14:09:11
Well, it would be interesting to have both perhaps.
1. You can deposit at 2% per month at the bank.
2. You can lend money at 3% per month at the same place, but it would be tied to the account, not the character. And with a limit based on the SP of the characters on the account, with a check you can't move characters from the account unless it is within limits of the lending amount.
If the limit is say 25 million per million SP on the account, and a 3% forced interest rate I think you'd have a workable system.
And it might be attractive too. Say I need 400m to buy a hulk. Requires 16m SP on the account, and I pay 12m a month interest until I can payoff the loan. With limits in place on the account, the potential for abuse would be minimal I'd say.
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Verno Louane
GoonSwarm
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Posted - 2006.08.23 14:21:00 -
[13]
Edited by: Verno Louane on 23/08/2006 14:24:09 While this is a bad idea in it's current form, there is a way that they can make it work. I believe that there should be banks on the corporation level that members of that corporation can donate to. After they donate the corporation sets an interest level and will pay out automatically. It's then up to the corp to use the money that you've loaned them in such a way to cover the interest payouts as well as some more for themselves, just like a real bank. Think of it as if the corp is taking loans from it's players for some big purchase and then paying out the loan + interest. If you do it this way you won't add new money to the economy and can provide another avenue for players to make money and corps to succeed.
However, there are many pyramid schemes that operate like this already so you would really have to trust your corp to give them money in the first place.
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Kamduis
Caldari Carbide Industries
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Posted - 2006.08.23 14:30:00 -
[14]
Now lets see. 700 Billion isk at 2.5% interest per year.
Lets break it down.
7,000,000,000,000 x .025 = 175,000,000,000 Per year.
So breaking it down.
Per Month 14,583,333,333.34 Per Day 479,452,054.79
Yeah, lets not open a CCP sanctioned bank please ;>
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Malachon Draco
eXceed Inc. Ascendant Frontier
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Posted - 2006.08.23 14:47:00 -
[15]
Edited by: Malachon Draco on 23/08/2006 14:47:21 you missed a 0 somewhere. its 47.9m a day, not 479m a day
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Talori'i
Gallente University of Caille
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Posted - 2006.08.23 16:19:00 -
[16]
Yeah, thats 7 trillion you got there, not 700 billion.
4 8 15 16 23 42 |
Kamduis
Caldari Carbide Industries
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Posted - 2006.08.23 16:25:00 -
[17]
Originally by: Talori'i Yeah, thats 7 trillion you got there, not 700 billion.
Dang, your right... ok. did not notice that :> but its still ALOT
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Derrios
Vasagar
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Posted - 2006.08.23 17:51:00 -
[18]
Originally by: GPerson I'd just create my own corp and throw all my isk into the corp wallet.
exactly, *insert alliance name* could just throw all their assets into one wallet for whatever duration they needed to, and voila at the end of the month free billions of isk.
Can't say this could be implemented without some drastic market changes.
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Dashi Kawasuki
Caldarians Pride THE H0RDE
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Posted - 2006.08.26 14:11:00 -
[19]
an interest on money you own is stupid, but a mission-like system for giving out loans would be great. The best would be a System, that let you set the %-rates and the steps to pay the money back. The important part is that the money WILL be repaid in any case like an officerent or buy order., so that a fraud is not possible. There are too many pilots out there who don't give a ... about their reputation.
with that system you could pay ME an interest for giving oyu money, which YOU give a loan to a thrid party from. Actually that's how banking works :) We care for you, citizen.
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Noirrac
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Posted - 2006.08.27 19:50:00 -
[20]
The problem with loans from a bank is that people will borrow the money, give it to another character, and then get rid of the borrowing character, erasing the debt.
There is no real need for a bank. You can always make money in this game, just takes time. If you want to invest your money, look around for someone who makes things and work out an arrangement with them. Of course, it will have to be someone you trust.
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Serenity Steele
Rearden Steele Interstellar Starbase Syndicate
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Posted - 2006.08.28 16:34:00 -
[21]
Independent Banks would be great; If they are honest, trustworthly, and have something to lose by screwing you (eg. Reputation).
Being able to place a deposit and have the Bank would put the ISK to work through reasonable-rate loans to corporations and indvidiuals would give a big kick to EvE. You wouldn't get as much return as working the ISK yourself, but hey, there is no such thing as a free ride.
A workable basis for this would be Bonds - fixed rate of return, resalable 'shares' on the open market in EvE.
Now if a reputable organisation with serious assets, a past experience running public corps & a reputation to uphold, would just set one up ...
Eve Strategic Maps - Outpost Alert
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