Bank? Options

[Messikiller]

With reason: Unable to repay money taken from the Bank Start again and don't make same mistake

take credit, buy players from friend's team, and start again, and repeat it

[Transnistrian Metalhead]

Do not search easy ways. Bad idea

[dreamlan-d]

This would be very easy, to transform why dont make an union bank?

Till now the unions you just win the power to make tourneys right?and from level 7 the tourneys are with silly prices, reall overpriced...


So why the admins dont give to the union a bank that can loan money to players in the way that if the player dont pay is fault of the guild to thrust on him ?

i think is very reasonable ideia

[lanlan]

ENGLISH ONLY topic

This post has been edited by callzeke: May 11 2010, 08:10 PM

[Naves]

ENGLISH ONLY topic

This post has been edited by callzeke: May 11 2010, 08:11 PM

[callzeke]

This would be very easy, to transform why dont make an union bank?

Till now the unions you just win the power to make tourneys right?and from level 7 the tourneys are with silly prices, reall overpriced...
So why the admins dont give to the union a bank that can loan money to players in the way that if the player dont pay is fault of the guild to thrust on him ?

i think is very reasonable ideia

Not a reasonable idea - everyone will be cheating.

take credit, buy players from friend's team, and start again, and repeat it

Start again, as in "Start with lvl 0" New account

[dreamlan-d]

Why cheating? If you need 300k to make a guild just limitate the loans at 150k so is now way to cheat, i mean cuase for example our guild have 1200 persons so you think anybody would cheat? off course the guild need to knew if thrust or not who loan the money, but if you limitate the loans is no way to create a guild just to repass money would be non sense, i dunno how would be possible to cheat this way...

[gigikent7]

This would be very easy, to transform why dont make an union bank?

Till now the unions you just win the power to make tourneys right?and from level 7 the tourneys are with silly prices, reall overpriced...
So why the admins dont give to the union a bank that can loan money to players in the way that if the player dont pay is fault of the guild to thrust on him ?

i think is very reasonable ideia

i think it is a good idea. the money will be loaned from union's finance. the admin of the union decide to give a player a loan, if he donated money to the union, if he's a good player, etc...

[Transnistrian Metalhead]

and how to decide if player good or bad?

look at União da Lingua portuguesa if everyone want to loan some money where they take such sum of money?

[dreamlan-d]

Simple transnition, would be decided by union, like analise if they paying the quotes for last 30 days for example and so on, is loads of topics that can make you decide for a yes or not, depending as well for time of playing if would quit soon or not, if the guild loose the money so is cause of bad choice of the guild, would be there responsability..

[Transnistrian Metalhead]

I think it is a hemorrhoids as for admins as for heads of unions.If 300 ppl of your union ask to loan money how can you analise all requests ? It is unreal and needlesly.Every of us played and build our teams without banks and have good teams

[callzeke]

What if founder/owner of the union takes all that money?



Silliest idea ever, but possible if 1000 limitations are put in use of the bank, making it useless

[dreamlan-d]

Callzeke i talk for meself that put there on union over 2million, lol so why would i take it out? is why i said limitate the loan to 150k you understand now?if i wasted 300k to create union why would i mess it up for 150k?

[callzeke]

Keep bringing ideas about bank.

As of right now, in the state you want it to work, its not possible.

Keep talking, though. I think something might come out of it.

[herzog]

I think it could be based on a daily payment. The interest rate would be based on the number of days of the rent, for instance, 4% for 5 days, 6% for 10, 7,5% for 15. In my example the daily payment where calculated with a excel spreadsheet. For instance, if the player makes a loan of 10.000:

Loan: $10.000
Days: 5 10 15
Interest: 4,00% 6,00% 7,50%
Daily Pay: -$2.246 -$1.359 -$1.133
Total Paid -$11.231 -$13.587 -$16.993

So the player would pay 2.246, 1.359 or 1.133 at the end of the day, for 5, 10 or 15 days depending of the choice of days.

Payment is made automatically at the end of the day. If a player doesn't have enough money to make the payment, his account becomes negative, and he can't make any more loans, buy or rent players, etc... As an added penalty of having a negative account maybe the masseur, doctor and psychologist, or any kind of restoration cannot be used, since the player does not have any money to pay staff salaries (not that staff salaries need to be payed, but you get the point).