Lieutenant
Join Date: Nov 2012
Posts: 53
# 1 Loans
12-19-2013, 05:56 AM
Hey guys,

ussually I have more liquidity then I need. And there are several people who would like to borrow money from me. The Problem is, I cant trust every one AND I've got the problemn that I dont see the people because some times I am only online 2h the week.

So it would be very nice if we could get an money lending tool, which automaticly collects the money on the day the loan is called in.


I am thinking of some thing strucktured like this:

Amonut lendt to the debtor: xxxx EC

Intrest rate (per month): x,x%

installment plan: x EC on the dd.mm.yyyy ; x EC on the dd.mm.yyyy ; .......

I mean I do not have to explain how a loan works.
Would be just nice if you could get us some tool like this, that would save me a lot of time.
Or it could be implemented in the fleetsystem, that would be great as well.
Specialist
Join Date: Jun 2012
Posts: 2,525
# 2
12-19-2013, 06:54 AM
This isn't Star Trek: Wallstreet Edition.

No.
Lieutenant
Join Date: Nov 2012
Posts: 53
# 3
12-19-2013, 07:19 AM
I wonder why you oppose it, would that really harm you?
A lot of players ask me if I could borrow them EC and I cant keep track of them. Thats why I cant borrow them the money.
Captain
Join Date: Jul 2012
Posts: 2,000
# 4
12-19-2013, 07:59 AM
Ok, first of all you lend the money not borrow it to people.

Second of all what would happen if someone "borrowed" 250 million for a JHAS then couldn't pay it back or heaven forbid just had and kept no ec?

Too many ways to cheat the system to get items. it would be a huge hassle and headache.

May I suggest a notepad and pencil though if you have trouble tracking who you loan ec to.
------
It is through repetition that we learn our weakness.
A master with a stone is better than a novice with a sword.

Has damage got out of control?
This is the last thing I will post.
Career Officer
Join Date: Dec 2012
Posts: 143
# 5
12-19-2013, 08:34 AM
This idea would cause more trouble than its worth. If you wish to loan money to people that's fine. But an in-game system for this is likely to cause a lot of upset to people. STO is about being part of a community not about being part of something that brings problems. I hardly ever loan money to people. Usually I would just give it to them (fleet members only) rather than loan it. This prevents the situation where people are under a burden because they owe someone something and prevents all the uncomfortable problems which come from that.
Lieutenant
Join Date: Nov 2012
Posts: 53
# 6
12-19-2013, 11:12 AM
Ok, so just don't use the tool.
Whats your problem with me and several other people getting such a tool?

And about the risk management, I would say every body can decide for himself if he wants to loan money to some one else or not.
calling in loans from Bankrupt toons is easy, you just take the incoming EC from the other toons of that Account until the debt is paid, with interest!
Captain
Join Date: Jan 2013
Posts: 3,160
# 7
12-19-2013, 11:19 AM
...

okay...

Why are you so intent on introducing taxes and loans? a system that has been proven to fail?
Take this game far too seriously for my liking roleplayers. You agree, do not, hmm? Yes, hmmm.
Captain
Join Date: Jul 2012
Posts: 2,000
# 8
12-19-2013, 11:33 AM
Quote:
Originally Posted by anahadar View Post
Ok, so just don't use the tool.
Whats your problem with me and several other people getting such a tool?

And about the risk management, I would say every body can decide for himself if he wants to loan money to some one else or not.
calling in loans from Bankrupt toons is easy, you just take the incoming EC from the other toons of that Account until the debt is paid, with interest!
Ok let me spell it out so even you can understand.

troll account: Hey lend me 50 million ec for X?
anahadar: Sure thing bud *transfers money*
Troll account: *transfers to bpharma*
Troll account to anahadar: ha ha ha ha ha ha, you'll never get it back trolololololololol.
anahadar to Troll account: This player no longer exists.
anahadar: Damn

This probably won't happen to you necessarily but it will happen to lots of other people. This is a very bad idea.
------
It is through repetition that we learn our weakness.
A master with a stone is better than a novice with a sword.

Has damage got out of control?
This is the last thing I will post.
Survivor of Romulus
Join Date: Jun 2012
Posts: 1,612
# 9
12-19-2013, 11:49 AM
If ur in the same fleet people could message the fleet leader and say theree not seen u on and owe u money n put it there for u thats if u trust the fleet leadership ive meet 1 or 2 that a robbing twats.
Welcome to bugs online were we only fix the bugs you like, and will ignore the ones you hate.
These are the voyages of the USS Farmville. Her 5 year mission is to boldly farm where no one has farmed before.
Say No to ARK
Lieutenant
Join Date: Nov 2012
Posts: 53
# 10
12-19-2013, 11:50 AM
I see your point.
But I think everyone has to manage his risk on his own. There are several ways to manage the risk.
And I must surely say I am upset because, I can't loan money to other people as I want, because such a tool is missing.

But I got your point and you are right in some ways. But loosing loan to a debtor, is the risk of free enterprise.
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is Off
HTML code is Off


All times are GMT -7. The time now is 08:37 PM.