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Rock Stripper
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Posted - 2011.08.08 11:58:00 -
[1]
Just wondering how many people here have ever thought about starting a beacon scoring index for investors to judge credit worth. The Idea is simple. Now I have a few ideas on how this could work. I also feel this could be a first step to helping others learn to invest. ( such as myself) It could even be modeled just like a real credit scoring system taking into account age of the toon , past loans , assets to secure the loan so fourth and so on. I do see a few problems though such as who can report ( Chribba maybe )
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Miss Rabblt
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Posted - 2011.08.08 12:04:00 -
[2]
one of a problems here: character selling/buying. You never know if today's person in your score list is the person who you added to that list yesterday.
However your idea looks interesting and useful.
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Tigerras
Smash Incorporated
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Posted - 2011.08.08 12:27:00 -
[3]
Sort of like a credit score. I agree that the biggest flaw in it is the ability to sell characters...and the likelihood that someone will game the system (though that's not unusual as most of the posters here are just MD rep grinders).
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Tekota
The Freighter Factory
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Posted - 2011.08.08 12:51:00 -
[4]
I read that as a bacon scoring index and was all interested.
Trouble is just about every noteworthy scam of late has been perpetrated by people who at various times would have been rated green or triple-A or whatever. Best to do your own research every single time.
Go through post history. And really spend a good few hours on this. Look for links to other characters, then go through their post history, any characters which seem to constantly crop up in the same threads? Look through their history too. Go through public contract history. Eg. any obvious Jita scams in there? Any null-sec contracts in there - who owns that space, does this info contradict anything the OP has said? Do the same for the extra characters that cropped up in forum trawl. Go through employment history. Do small or personal corps have names of CEOs or founders which need investigating? Do the same for extra characters that cropped up in forum trawl.
And finally work out how many succesful offerings you need to see before you get scammed. If every one of your investments pays 5% and you invest equally in each then if one offering in 20 scams you will break even (though arguably lose if you consider opportunity cost) - so then ask yourself "does this offering strike me as having a greater than 1 in 20 chance of scamming?".
As you've already mentioned age of toon is a factor but this only goes so far, many many old and notable characters have scammed. Best to consider age as just an indicator of cashout value. A five year old char who has meticulously crafted their history and "MD rep" over the last five years is probably less likely to scam 500m (as they would therefore burn that char for any possible future bigger amount).
Past loans can provide some info, but again be wary; a common tactic appears to be to run several smaller ventures ("look I paid that one just fine") in rapid succession all building up to the big payoff scam.
Collateralised assets are generally considered the safest option, but remember this means shifting your trust onto the person holding the collateral - because if the collateral holder is already holding multiple people's assets they may be tempted to do a runner. So check who is holding the collateral, what their public liability currently is, what their plan for liquidating collateral is should your investment scam, and do some due diligence on the collateral holder too.
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Florestan Bronstein
24th Imperial Crusade
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Posted - 2011.08.08 17:08:00 -
[5]
Edited by: Florestan Bronstein on 08/08/2011 17:08:40
good points by Tekota
a competent scammer might do the following:
run several small offerings to get rid off the "get an audit" demands and to build a loyal investor-base he can count on.
then scale up his offerings fairly rapidly - but some of the investors will be alts of himself.
for his cashout he chooses a size that is smaller than his largest offering (but this time without alt involvement).
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