Arix2009-10-13 23:16:19
Actually, Trader Bob running around with a cubix under serpent and handing gold to mobs for no particular reason IS the best explanation I've heard so far
Everiine2009-10-13 23:34:04
See, why can't our Griefers learn how to use their abilities to help others like Trader Bob?
Arix2009-10-13 23:36:37
Because Bob is a philanthropist, and our griefers are bastard-coated bastards with bastard filling?
Daganev2009-10-14 00:17:45
I think the implication was the that trader bob is paying the lobstrocity for umm new zealand style services.
Arix2009-10-14 00:35:02
Either that, or Bob is secretly breeding every creature out there, and has learned to breed creatures that produce freshly minted gold sovereigns as a natural bodily function. Which, given the lack of an actual mint or any evidence that one exists aside from the coins, would make sense to me.
Saran2009-10-14 01:41:03
For some reason the investments thing made me wonder if some system could go in to let orgs(and players) invest in some organisations. Positive quests could increase the value, negative ones and killing mobs could decrease it. Probably diminishing returns as you get higher with similar soft restrictions on how much value the stock could loose in a single rl day.
Could be interesting. Invest in the Kephera and work with a team for days to buff up the prices then cash out.
Though probably not a good idea for atleast a few reasons
Could be interesting. Invest in the Kephera and work with a team for days to buff up the prices then cash out.
Though probably not a good idea for atleast a few reasons
Fain2009-10-14 10:30:33
With a couple of tiny changes to the way deeding works for manses and clans, and it would be possible to start your own bank - one that yields interest to interested investors - on the back of manse mortgages.
Player Z has a mid-sized manse. He's capital heavy but cash light and he wants some ready gold.
The Royal Bank of Fain offers him a loan of 800,000 gold pieces, which represents 80% of the tradein value of the rooms and resale value of the fulcrux. Arguably it could be 80% of the resale value of the whole manse, which would be more, but hey - RBF needs to make a profit.
Interest is at 5% per game year. To avoid cock-ups, it is simple interest. There are half yearly instalments for 10 in game years, payable through clan dues to the RBF clan account. Instalments are 60,000 gold pieces: a 33/66 mix of interest and principal. Early redemption can be achieved by a full payment of the remaining principal and a half payment of the remaining interest that would have been due if the mortgage had continued its full length.
If Player Z misses an instalment he pays a one-off RBF penalty fee of 20,000 due within six months. He misses a second instalment and RBF takes full possession of Z's manse. RBF can do this because at the outset of the mortgage, Z has deeded his manse to the relevant RBF org as a condition of the loan.
The only problem is that the mortgagor can strip the value of RBF's interest by selling off rooms. So for this to work, we'd need an option whereby manse owners can only effect changes on their manses with the authority of the mortgagee. The same thing could work for clans too, but the org mortgagee would need to be able to take possession of the clan even if the relevant agent is not a member of it. So either way it would need two code changes.
But it would be fun!
Player Z has a mid-sized manse. He's capital heavy but cash light and he wants some ready gold.
The Royal Bank of Fain offers him a loan of 800,000 gold pieces, which represents 80% of the tradein value of the rooms and resale value of the fulcrux. Arguably it could be 80% of the resale value of the whole manse, which would be more, but hey - RBF needs to make a profit.
Interest is at 5% per game year. To avoid cock-ups, it is simple interest. There are half yearly instalments for 10 in game years, payable through clan dues to the RBF clan account. Instalments are 60,000 gold pieces: a 33/66 mix of interest and principal. Early redemption can be achieved by a full payment of the remaining principal and a half payment of the remaining interest that would have been due if the mortgage had continued its full length.
If Player Z misses an instalment he pays a one-off RBF penalty fee of 20,000 due within six months. He misses a second instalment and RBF takes full possession of Z's manse. RBF can do this because at the outset of the mortgage, Z has deeded his manse to the relevant RBF org as a condition of the loan.
The only problem is that the mortgagor can strip the value of RBF's interest by selling off rooms. So for this to work, we'd need an option whereby manse owners can only effect changes on their manses with the authority of the mortgagee. The same thing could work for clans too, but the org mortgagee would need to be able to take possession of the clan even if the relevant agent is not a member of it. So either way it would need two code changes.
But it would be fun!
Unknown2009-10-14 10:54:37
Yessir, I'd like to refi my manse and maybe make some payments on the pri-
OH GOD THE REALITY HURTS
More constructively, banks are rather pointless, since there is no harm in keeping gold in your pack. Aetolia handled this nicely (because a handful of us crafters petitioned for it, *preen*) by making banks useful, not for profit (because that just ends badly in a simple economic system), but for CONVENIENCE. Ie, autopayment. Let things like shop taxes, clan fees, etc come from bankaccounts and suddenly they are a TON more useful.
OH GOD THE REALITY HURTS
More constructively, banks are rather pointless, since there is no harm in keeping gold in your pack. Aetolia handled this nicely (because a handful of us crafters petitioned for it, *preen*) by making banks useful, not for profit (because that just ends badly in a simple economic system), but for CONVENIENCE. Ie, autopayment. Let things like shop taxes, clan fees, etc come from bankaccounts and suddenly they are a TON more useful.
Kelysa2009-10-24 21:00:06
Major contributor to your org though! If your org actively uses it to improve itself. Revenues from the bank are great!
Casilu2009-10-24 21:22:54
For some reason, I don't see Fain's bank working that way. Eventru's, yes. With Fain, I picture more of breaking thumbs and legs.
Unknown2009-10-25 01:26:39
QUOTE (casilu @ Oct 24 2009, 05:22 PM) <{POST_SNAPBACK}>
For some reason, I don't see Fain's bank working that way. Eventru's, yes. With Fain, I picture more of breaking thumbs and legs.
Actual lone-sharking doesn't work that way. The idea is to keep the debted perpetually in debt. Thus, the intrest-only loan has developed.
Casilu2009-10-25 03:54:31
QUOTE (Kialkarkea @ Oct 24 2009, 06:26 PM) <{POST_SNAPBACK}>
Actual lone-sharking doesn't work that way. The idea is to keep the debted perpetually in debt. Thus, the intrest-only loan has developed.
Do you know this from experience Captain Misspelling? Keep up that mouth and I'll shatter your jaw.
