Pages: 1 [2] 3 :: one page |
|
Author |
Thread Statistics | Show CCP posts - 0 post(s) |
Hexxx
Minmatar
|
Posted - 2007.12.15 20:29:00 -
[31]
Originally by: Shadarle
Originally by: Shar Tegral Disingenuous posting 4tl.
Not disingenuous at all. 6% isn't exactly tough to do, 3% is a joke. There is a reason Ionia was able to offer 150-200 billion or whatever in bonds at 6-7%, it's because it is not too difficult to make more than that. The more money ebank has the less of a percentage has to be kept on hand. So 6% is a disingenuous number to use.
Originally by: Shar Tegral Couldn't you have kept your grousing to one of the many other Ebank threads though? Just wondering as the op was trying to be praising and, well, I'm not saying you can't grouse a bit but ...
This thread was more of a joke thread than a praise thread imo. The entire reason it was posted was because he said it was so shocking not to see one on the front page. I posted tongue and cheek at first, but as people started taking me seriously I decided to respond to their posts. Not everyone finds E-Bank so useful and or great. Just because a thread starts positive doesn't mean no one is allowed to disagree.
I'm frankly sick and tired of seeing a post in nearly every thread on this forum promoting E-Bank. It's becoming annoying spam at this point. If E-Bank spam is going to be all over this forum then a bit of complaints with the way E-Bank operates is more than fair and healthy. I should be the one telling the E-Bank people to keep their constant comments to one of the existing E-Bank threads, not you telling me to keep criticism to one of the other threads.
377 people seem to think that 3% is just fine for them. I'd say that it's pretty obvious that EBANK isn't trying to be all things to all people; and why should it?
EBANK is under no obligation to satisfy the Shardales of the world, and to keep coming back to the same old obvious arguement again and again smacks of borderline whining in my mind.
Yes...we get it. You aren't part of the demographic that EBANK serves. We get it. We really do. Really.
Consulting, IPO Template, and Stock/Bond definitions.
|
Ray McCormack
hirr
|
Posted - 2007.12.15 20:49:00 -
[32]
Shadarle, for someone who routinely preaches diversity in the EVE market, you sure do seem to have a problem with everything you don't agree with 100%.
Oh wait, that's your apparent problem with those of us you've labelled as the market vets.
So let me try this from a different angle... You suck, get over yourself.
|
LaVista Vista
Corporate Research And Production Pty Ltd Zzz
|
Posted - 2007.12.15 20:57:00 -
[33]
If you arent happy with Ebank, why dont you use Fury bank? As far as im aware, hes doing a great job.
If Ebank isnt for you, well, then it just isnt for you. Its like arguing that you are bored watching kid cartoons, when your a grown up. Go watch something else.
This signature is brought to you by EBankÖ, free space for moderators to brag. |
Shadarle
|
Posted - 2007.12.15 21:21:00 -
[34]
Originally by: LaVista Vista If you arent happy with Ebank, why dont you use Fury bank? As far as im aware, hes doing a great job.
I have maxed out my investment in Fury Bank. And frankly I think Fury Bank is one of the best investments out there right now.
I love how people who routinely crap on other peoples IPO's if they have issues with them get a bit more testy when someone does the same to their own baby.
I have said many times that I understand E-Bank isn't for me. But if Ricdic and others are going to advertise E-Bank in EVERY FREAKING THREAD then I am going to respond occasionally that E-Bank is not all that. If you don't like it then feel free to tell me so, I frankly do not care. I'm sick of the spam. Luckily for you I can't stop you guys from publicizing it all day long, but luckily for me you can't stop me from sharing my discontent occasionally as well.
Tanking Setups Compared
Stacking Penalty / Resists Explained |
LaVista Vista
Corporate Research And Production Pty Ltd Zzz
|
Posted - 2007.12.15 21:31:00 -
[35]
Originally by: Shadarle
I have said many times that I understand E-Bank isn't for me. But if Ricdic and others are going to advertise E-Bank in EVERY FREAKING THREAD then I am going to respond occasionally that E-Bank is not all that. If you don't like it then feel free to tell me so, I frankly do not care. I'm sick of the spam. Luckily for you I can't stop you guys from publicizing it all day long, but luckily for me you can't stop me from sharing my discontent occasionally as well.
I fully get what you are comming at. But in every freaking thread? Im honestly not sure its as bad as you seem to think.
If you think ebank is too over advertised, ill tell you why. Its the most average bank out there. Not so great returns, but stable, safe, nice to use, all the stuff users want. Average in general is bad, but in this case its quite good. Why is the pop culture so popular and over advertised? Because its average. If something is average, its what people ARE gonna talk about, its what they are gonna compare it to.
Ebank is pioneers in the field, people are gonna talk about it, people are gonna compare things to it. Just like FRPB was used as a comparison for bonds/ipo's at one point. But this time around we dont just have bonds and shares anymore.
This signature is brought to you by EBankÖ, free space for moderators to brag. |
Karanth
Gallente Eve's Brothers of Destiny Free Trade Zone.
|
Posted - 2007.12.15 22:04:00 -
[36]
I actually DID mean it to be a praise thread, and would have posted in an existing one if there was one on the front page. Since there wasn't, I went to the effort of making one.
So, less questions, more love!
All that's left...
There is only one sig hijack that matters, the orginal and only member of the hijack squad. me. -Eris. ps Black russians are better then beer. Well, there's not many of *us* left! -Rauth
|
EBANK Ricdic
Eve-Tech Savings n Loans
|
Posted - 2007.12.15 22:38:00 -
[37]
Well a few misconceptions need to be cleared up. For one EBANK is a service not an investment. We allow people to put their idle isk into EBANK temporarily when they don't need to use it. It also allows people to transfer funds to their funds, for services etc out-of-game. The ability to play Eve Hold-em poker during an extended downtime whilst still betting for your isk, and the likes.
It's interesting to see the paths 2 banks have taken (not using BMBE only because they don't take deposits) in that Fury has structured his bank without the 'bells and whistles' however with returns that exceed most public corporations. On the other hand, EBANK offers a 3% interest rate per month and allows customers the ability to watch their balance grow, pull money out when needed, transfer it around, etc etc.
Up to now we have mostly been building on the foundations of EBANK, strengthening our supports and making sure the internals run like clockwork and that the system is stable, secure, and managable.
This is why with our latest content upgrade not much was seen by the public. A phenomenal amount of internal work was done, for auditing purposes, ease of use, ability to do accounting checks on customers and the likes.
Either way some will continue to compare EBANK to FRPB and investment funds. But EBANK is not competing with them. We allow your money to stay warm and in circulation whilst you are waiting for your next investment, saving for that battleship, or leaving eve for a few months.
Right now EBANK is in "beefcake" mode. We are probably earning about 3b per month whilst only having expendables to the tune of 1.2b per month. The idea of beefcake mode is to beef up these funds, get them into use and generate more isk off that isk. Obviously this means that every month we are building available capital (regardless of deposits/withdrawals). Now this isn't lining anyone's wallets. All EBANK net profit is being immediately reinvested.
So we may only have a 3% option right now. We may only have a 500m maximum account limit right now. But the idea from the start was always to start low and work our way up. We have a few ideas being implemented that may appease people like Shadarle a little bit but they are nothing compared to the earnings you can make by yourself.
If you want to get rich quick you need to get off your ass and put in the hard yards. If you want a solid financial service to make you a few millions while you are on holidays, then EBANK may be perfect for you. An EBANK savings account maxed at 500m will generate around 15.4m interest per month.
EBANK have proven that good dividends and high returns aren't the only things the public wants. We have proven the public demand security, they demand consistency, they love being able to trace and manage their finances down to the last .01 at any time of the day. Our customers know our interest rates and yet they sign up. They have chosen what they feel to be stability and 'bells and whistles' as a preference.
That's all it really comes down too. People need to accept the following:
1) EBANK will not be your replacement investment vessel over all other corporate ventures in Eve
2) EBANK will grow in the safest vessel possible. We won't open the floodgates tomorrow making it unlimited, or provide fancy options we cannot sustain.
3) EBANK expands Eve Online beyond the confines of the in-game client. The ability to micro manage funds from an external paramater has been requested by Eve players for some time and mainly only preceeded by people's requests to have skills auto-changed through a web interface (we can't offer this yet sadly
4) EBANK are happy to accept your critisism. We understand we don't have the financial capacity to support your needs and we won't die trying nor will we put undue risks on our large customerbase in order to appease the few. Contrary to popular belief, Shdadarle's situation is unique and not many people hold the same financial status.
WWW.EVE-BANK.NET
|
Shar Tegral
|
Posted - 2007.12.15 23:09:00 -
[38]
Originally by: Shadarle I love how people who routinely crap on other peoples IPO's if they have issues with them get a bit more testy when someone does the same to their own baby.
I wasn't trying to tell not to say negatives. I just thought this avenue of discussion better suited elsewhere. As to EBANK being everywhere... not only do I agree, you should see how it looks from my EBANK prison cell.... err.... cubicle.
My Latest Auction!! |
Shadarle
|
Posted - 2007.12.16 08:30:00 -
[39]
Originally by: Shar Tegral I just thought this avenue of discussion better suited elsewhere. As to EBANK being everywhere...
From my point of view there was no time or place like the present.
Honestly, I really don't have a big issue with E-Bank. I get annoyed with all the posts everywhere I look, but I can deal. I generally think E-Bank is a great thing for EVE, even if I fail to fully understand why the people running it spend so much time running it for little gain. I guess I'm not as charitable. Or perhaps a better way to say it is that I'm greedy. If I'm going to earn 1 billion isk I want that 1 billion to be in my wallet, not someone elses.
That said, I am a bit hesitant to buy into all the hype. I would wager a lot of the people who have deposited money so far have done so because it seems kinda cool and they like the general idea, not because they actually think they need all those services being offered currently. I would imagine a vast majority would trade in all the bells and whistles for 2% more per month, but maybe I'm totally wrong about that. And even if I am right it is not that simple.
I basically just want to keep peoples feet on the ground. Yeah E-Bank is a good idea, but it is not yet great. Perhaps a few months down the line it will be. I hope it will. E-Bank continuing to grow and add new concepts to the player run market is a good thing.
A final little question I have. How are alts handled. Say someone had 23 alts... just a number I'm pulling out of thin air, not that I know anyone with that many. That person could deposit 500 mil * 23 = 11.5 bill isk into e-bank. Of course it would add a lot of work for e-bank to handle all those accounts and it would be annoying for the person as well. But as far as I can tell there is no way to stop this currently, correct?
Tanking Setups Compared
Stacking Penalty / Resists Explained |
Dagam
GoonFleet GoonSwarm
|
Posted - 2007.12.16 10:08:00 -
[40]
I'm 90% sure Ricdic is Cally.
|
|
LaVista Vista
Corporate Research And Production Pty Ltd Zzz
|
Posted - 2007.12.16 10:14:00 -
[41]
Originally by: Dagam I'm 90% sure Ricdic is Cally.
Im 150% sure that Ricdic isnt Cally. Now stop trolling.
This signature is brought to you by EBankÖ, free space for moderators to brag. |
Kirjava
Lothian Quay Industries Zzz
|
Posted - 2007.12.16 11:03:00 -
[42]
Originally by: Dagam I'm 90% sure Ricdic is Cally.
Anyone can be anyone, I was accused of being Tiller in another thread - it's part of the game that people can dissapear and reappear. Even if he is, tbqh at the moment I coudln't care either way, Hexxx has quite a lot of the isk aswell so if "Cally" does a runner then we lose nothing
~Nyron |
LaVista Vista
Corporate Research And Production Pty Ltd Zzz
|
Posted - 2007.12.16 11:10:00 -
[43]
Originally by: Kirjava
Originally by: Dagam I'm 90% sure Ricdic is Cally.
Anyone can be anyone, I was accused of being Tiller in another thread - it's part of the game that people can dissapear and reappear. Even if he is, tbqh at the moment I coudln't care either way, Hexxx has quite a lot of the isk aswell so if "Cally" does a runner then we lose nothing
If its the case, then Cally became Australian, got wife and a kid and didnt get all his accounts banned when he was banned.
This signature is brought to you by EBankÖ, free space for moderators to brag. |
Kirjava
Lothian Quay Industries Zzz
|
Posted - 2007.12.16 11:17:00 -
[44]
Originally by: LaVista Vista If its the case, then Cally became Australian, got wife and a kid and didnt get all his accounts banned when he was banned.
My point is paranoia is/can be rampant in the game, I have never spoken to either and for all my paranoid mind could tell you could be in cahoots with "Cally". I'm not trying to troll, just pointing out that at this time, it just dosen't matter.
~Nyron |
Ricdic
Caldari Corporate Research And Production Pty Ltd Zzz
|
Posted - 2007.12.16 11:18:00 -
[45]
Originally by: Dagam I'm 90% sure Ricdic is Cally.
May I ask what has led you to this conclusion?
http://oldforums.eveonline.com/?a=topic&threadID=500043 Largest Empire Research Alliance in EVE! |
Kirjava
Lothian Quay Industries Zzz
|
Posted - 2007.12.16 11:19:00 -
[46]
Originally by: Ricdic
Originally by: Dagam I'm 90% sure Ricdic is Cally.
May I ask what has led you to this conclusion?
I think it is probably how you were a very strong supporter of Eve Intergalactic Bank before it turned into a scam.
~Nyron |
Ricdic
Caldari Corporate Research And Production Pty Ltd Zzz
|
Posted - 2007.12.16 12:02:00 -
[47]
I was actually an EIB bank teller as well. With EBANK I have spent a lot of time seeing everywhere Cally went sour or done wrong and attempted to reverse those possibilities.
Things like:
* Holding too much money * Crappy accounting tools (arguably we were blessed with the API however) * 24/7 Auditor * Board of Director's to revoke knee-jerk decisions * Spread securities & risk * Ability for EBANK to continue even if I did turn scam * Never holding enough money whereby people may believe I am liable to scam for it. * The inability to syphone funds etc away from EBANK without it being seen.
The hardest part is being able to allow EBANK to continue on if I scam. I won't lie, it would be difficult but I believe it could be achieved. But we are constantly cycling isk away from myself and into secured locations to try and ensure the safety of the project.
Obviously there is no such thing as a complete security but on the off chance that one person scams we expect EBANK to run as normal and be able to recover from the loss without customers being affected.
http://oldforums.eveonline.com/?a=topic&threadID=500043 Largest Empire Research Alliance in EVE! |
Hexxx
Minmatar
|
Posted - 2007.12.16 13:48:00 -
[48]
Originally by: Ricdic I was actually an EIB bank teller as well. With EBANK I have spent a lot of time seeing everywhere Cally went sour or done wrong and attempted to reverse those possibilities.
Things like:
* Holding too much money * Crappy accounting tools (arguably we were blessed with the API however) * 24/7 Auditor * Board of Director's to revoke knee-jerk decisions * Spread securities & risk * Ability for EBANK to continue even if I did turn scam * Never holding enough money whereby people may believe I am liable to scam for it. * The inability to syphone funds etc away from EBANK without it being seen.
The hardest part is being able to allow EBANK to continue on if I scam. I won't lie, it would be difficult but I believe it could be achieved. But we are constantly cycling isk away from myself and into secured locations to try and ensure the safety of the project.
Obviously there is no such thing as a complete security but on the off chance that one person scams we expect EBANK to run as normal and be able to recover from the loss without customers being affected.
As EBANK's internal auditer....I can say there is some truth here.
Alot of EBANK funds are tied up in loans, we always get a certain percent of funds on hand though for withdraws of course. However, these on hand funds are split 3 ways (Ricdic, myself, and Shar Tegal).
Let's assume for the example that of the 55 billion we have now, we have 35% of the funds in cash. That's 19.25 billion. Now let's split that three ways...we get 6.41 billion.
Now let's say Ricdic gets hit by a bus tomorrow (sorry m8) and we lose that 6.41 billion. That's only 11.6% of the total Bank funds.
Here's where things get interesting....
Literally nothing would change operationally at the Bank. We'd have to change our reserve ratio perhaps but the loss would go on the books and we'd be accounting for it and writing down the loss over time. If we experienced a run on the Bank, we can borrow money from other sources to cover the run and then pay those sources back.
Now...we have a scaling problem. What happens if the Bank accounts reach 100 billion? The Board has already thought about this and while I can not discuss the details, I personally feel as if the measures will be adequete.
For EBANK to truely fail (and I mean spectacularly fail and collapse) you would need:
1) Me, Ricdic, and Shar to all drop dead or scam or get eaten by sharks, etc and 2) The Board of Directors to also getting eaten by sharks, drop dead, scam, etc.
Even then....our technical resources LaVista and Mr. Horizontal could take over and concievably run the Bank in an emergency.....so for EBANK to fail they'd have to get eaten by sharks too. (sorry guys)
Consulting, IPO Template, and Stock/Bond definitions.
|
LaVista Vista
Corporate Research And Production Pty Ltd Zzz
|
Posted - 2007.12.16 13:51:00 -
[49]
I fear water. So chances for me getting eaten by a shark is 0 unless it all of a sudden turns up in my bath tub
This signature is brought to you by EBankÖ, free space for moderators to brag. |
Hexxx
Minmatar
|
Posted - 2007.12.16 13:55:00 -
[50]
Originally by: LaVista Vista I fear water. So chances for me getting eaten by a shark is 0 unless it all of a sudden turns up in my bath tub
Gotta watch out for them land-sharks though.
Consulting, IPO Template, and Stock/Bond definitions.
|
|
LaVista Vista
Corporate Research And Production Pty Ltd Zzz
|
Posted - 2007.12.16 13:58:00 -
[51]
Originally by: Hexxx
Originally by: LaVista Vista I fear water. So chances for me getting eaten by a shark is 0 unless it all of a sudden turns up in my bath tub
Gotta watch out for them land-sharks though.
Crap, really!=!=?!?!?!? im shaking now, i have to call my doctor and get some more medicine now. I cant take the pressure, ARGH!!!!
This signature is brought to you by EBankÖ, free space for moderators to brag. |
Shinhan
Phoenix Knights Dark Nebula Galactic Empire
|
Posted - 2007.12.17 08:34:00 -
[52]
What about robotic sharks?
-- Selling apples, 1 signature each. ѼѼѼѼѼѼѼ |
Riethe
|
Posted - 2007.12.17 08:36:00 -
[53]
Psh, robotic shark? That is clearly a submarine wearing a shark suit.
Come back when you find a REAL robotic shark.
|
Brisco Smiley
Peppermint Bay Trading Company
|
Posted - 2007.12.17 20:29:00 -
[54]
Originally by: Shadarle I would wager a lot of the people who have deposited money so far have done so because it seems kinda cool and they like the general idea, not because they actually think they need all those services being offered currently.
yes,
Originally by: Shadarle I would imagine a vast majority would trade in all the bells and whistles for 2% more per month, but maybe I'm totally wrong about that.
and no. I, for example, am fairly new around here. I put some money in EBANK because I wanted to play with it--twist the knobs, kick the tires, et cetera. It appeals to me, not only because it is shiny, but because I have a generally high opinion of the people I see talking about it, both in favor and against. 3% v/s 5% doesn't make much difference to me in this context; I get about 20% per trade for schlepping tritanium around Lonetrek. Of course, if there were no interest at all, it would be like a toy truck without wheels, not much fun. The interest cap really doesn't effect me either. If I had enough spare isk to hit the cap, I would be playing around with other types of financial engagements.
Originally by: Shadarle And even if I am right it is not that simple.
That, of course, is always the beginning of wisdom, and my post is only my own .02. Back to the idea that this is an EBANK love thread, let us leave it with the simple praise that it exists. EBANK is player-created content for this MMO, and it makes the world just that much wider. I played it. It's fun.
Cheers,
Brisco Smiley Peppermint Bay Trading Company
|
Kirjava
Lothian Quay Industries Zzz
|
Posted - 2007.12.17 20:34:00 -
[55]
In response to the robotic shark - I searched and searched the internets, founded and lost a fellowship of the robo-sharl before admitting defeat. Just think about the scene in the James and the Giant Peach film with the giant harpoon armed mecha-shark.
~Nyron |
SencneS
Amarr Balsarferskratchin Inc Axiom Empire
|
Posted - 2007.12.17 20:59:00 -
[56]
Edited by: SencneS on 17/12/2007 20:59:20 Robotic Fish/Shark website with YouTube.com videos
Amarr for Life |
Hexxx
Minmatar
|
Posted - 2007.12.17 21:06:00 -
[57]
It's great to hear about people new to the markets who are having a positive experience with EBANK. =)
Consulting, IPO Template, and Stock/Bond definitions.
|
Mr Horizontal
Gallente KIA Corp KIA Alliance
|
Posted - 2007.12.17 21:09:00 -
[58]
Shadarle, while EBANK isn't for you right now, I said earlier you can put your 1-2, or 10-20 bill as you corrected me quite happily in EBANK for returns that will raise even your thin eyebrow, with what we have planned. The current savings accounts of 3% are simply just bog standard bank accounts, they're not really investment vehicles they're just safe instant access pockets of cash, and as a thank you for using them, EBANK gives you 3% interest as a little cherry.
I have said before EBANK is optimistically speaking 30% 'complete' if you check off what has and hasn't been done on our planned todo list. I'm sure most people will agree EBANK is already, even at 30%, one of the more sophisticated sites within the EVE community, so please bear with me for I have a whole bag of goodness waiting for christmas
As I said before though Shadarle, I promise that even you will find EBANK useful soon - whether you choose to use it or not
WRT to the spamming. I believe Hexxx is most guilty of posting new threads (take note old boy), and Ricdic's incessant fanboy plugging is more funny than anything else. But yes, I agree, EBANK has now grown into a huge great juggernaut and spamming done by such a big voice should be kept in check. One has to admit though, if Karanth decides to post a love thread like this, is EBANK to blame?! --- meh. |
Hexxx
Minmatar
|
Posted - 2007.12.17 21:15:00 -
[59]
Originally by: Mr Horizontal Shadarle, while EBANK isn't for you right now, I said earlier you can put your 1-2, or 10-20 bill as you corrected me quite happily in EBANK for returns that will raise even your thin eyebrow, with what we have planned. The current savings accounts of 3% are simply just bog standard bank accounts, they're not really investment vehicles they're just safe instant access pockets of cash, and as a thank you for using them, EBANK gives you 3% interest as a little cherry.
I have said before EBANK is optimistically speaking 30% 'complete' if you check off what has and hasn't been done on our planned todo list. I'm sure most people will agree EBANK is already, even at 30%, one of the more sophisticated sites within the EVE community, so please bear with me for I have a whole bag of goodness waiting for christmas
As I said before though Shadarle, I promise that even you will find EBANK useful soon - whether you choose to use it or not
WRT to the spamming. I believe Hexxx is most guilty of posting new threads (take note old boy), and Ricdic's incessant fanboy plugging is more funny than anything else. But yes, I agree, EBANK has now grown into a huge great juggernaut and spamming done by such a big voice should be kept in check. One has to admit though, if Karanth decides to post a love thread like this, is EBANK to blame?!
I got called out.
He's right though...I should have a thread quota.
At any rate, I think you'll find that EBANK will have a far greater use in the future. Far, far greater.
Consulting, IPO Template, and Stock/Bond definitions.
|
McRuder
Gallente Magnets and Duct Tape
|
Posted - 2007.12.17 22:45:00 -
[60]
Edited by: McRuder on 17/12/2007 22:46:07 Someone called me? You mentioned sharks ...
Professional Loan Shark at your service. And yes, I have recently repossessed those Great White teeth sets. |
|
|
|
|
Pages: 1 [2] 3 :: one page |
First page | Previous page | Next page | Last page |