PlaneShift
Gameplay => Guilds Forum => Topic started by: Furik Lamatt on December 02, 2006, 08:30:16 pm
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ok here is the news. Yliakum Banking Network, and the Bank of Hyldaa have combined. We will now be just one bank.
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What happened to them having ridiculous rates and such? Did they buy you out?
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No no one bought anyone out, it was a formal meeting that led to this decision, besides with 300k not much would buy me. The compromise is that rates will changes, etc, I am vice president meaning that we both decide how this bank works.
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so much for healthy copetition :ban: :@#\
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It is healthy, since we are now two to decide about the banks and to analyze faults.
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Did you consult shareholders before this merger?
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We did not, but it will not be a change for investors, for them everything will remain the same.
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Maybe I'll start up a bank too, if you want to merge with me I'll need to be chairman of the board...
Hokay now? S'allrite.
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Just what I was thinking, Bilbous. I'm starting a bank, too. Is it to late to get board membership?
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I'll stack the board and we'll pull a Bush on this thing...Is there a deposit insurance company to pay our debts for us once we've skimmed the assets off?
Oh wait, was that a Clinton? Somehow I think they both were involved in the S&L debacle down south.
Close but no cigar?
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But surely since the shareholders are gambleing their money on you they should be at the very least asked for their opinion, no? Its partialy under new leadership!
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We merged because Furik understands something of banking. It might not have been correct, but since we are trying to get established, concurrence will be deadly.
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I'm with you bilbous and Phinehas, the 'PS savings and loan'
I've got 1389.5 tria, when can we get started ?
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I think banks will only work from guild to guild.
Loaning out big amounts as well as trusting the person to give it back doesn't seem like a good idea at this place in time, and would be best done withing guilds.
You cannot force people to pay the money bank, and you also cannot know how much each person can afford to pay back, some people can pay back 100k at a time, others 3k, and me about 30k maybe 50k per week.
Again, it all depends on who your customers are, and i feel that banks will have alot of trouble getting off the ground and not getting ripped off.
The only people i think who can truly start a bank are Tipore and Gharin, and a few others, they can afford to lose the money lol ;)
~~Datruth
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Have you ever left your own home? There are banks everywhere and they don't have a 'guild of customers!' I'm sure that there are more than two people capable of starting a bank.
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i bags the name 'hydlaa loan shark' for my completly legitimate bank.
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Do point us to the correct thread, or are you still managing that up?
Hm, and I'd like to know some informations. First, the Hydlaa Bank had an investment system, and Yliakum Banking Network accepts none at the moment. Plus, having past the first month of Hydlaa Bank's existence, one would expect them to turn public some informations and to do their payments. It would be nice of you guys to turn public the shares (as in, who invested how much).
I am sure the rest of the investors would like to know where they stand now, and I am trying to ask for such information.
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I dont think everyone should make a bank. The more banks the less profit for each
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I think they may have been being sarcastic...
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First:
You still can invest
Second:
At the moment, nothing changed for the customers of the Bank of Hydlaa. Furik brought 300k in investments with him, but that is like someone who would have invested with the Bank of Hydlaa
Third:
There will be some improvements and additional services, but we are still discussing. Expect to hear from us in the near future.
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So the new president is an investor? Strange.
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Sheryl Sandre is the president, Furik is vice president. Both of them have no investment in the Bank of Hydlaa at all. It was someone elses money he brought with him.
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Sheryl Sandre is the president, Furik is vice president.
Sorry my mistake.
Both of them have no investment in the Bank of Hydlaa at all. It was someone elses money he brought with him.
That wasn't specified. Seemed kinda dodgy. ;)
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I think banks will only work from guild to guild.
Loaning out big amounts as well as trusting the person to give it back doesn't seem like a good idea at this place in time, and would be best done withing guilds.
You cannot force people to pay the money bank, and you also cannot know how much each person can afford to pay back, some people can pay back 100k at a time, others 3k, and me about 30k maybe 50k per week.
Again, it all depends on who your customers are, and i feel that banks will have alot of trouble getting off the ground and not getting ripped off.
The only people i think who can truly start a bank are Tipore and Gharin, and a few others, they can afford to lose the money lol ;)
~~Datruth
Have you ever left your own home? There are banks everywhere and they don't have a 'guild of customers!' I'm sure that there are more than two people capable of starting a bank.
Was that a sarcastic remark, or are you just an airhead?(Rhetorical question, by the way.)
There is no liability here, like there is in the real world, Someone doesn't pay, then no one can force them to pay.
Do you understand there is a difference between a bank in game and one outside your house?
Do you know anything about banks at all?
It's NOT that simple as.... ohh well there are banks outside this game.... let's put them inside the game.....
Try reading more than the first two sentances of my posts.
~~Datruth
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Well, these issues you mentioned only exist if they stumble upon bad roleplayers. Usually they should send a guard or some thugs to extort the money back from those who refuse paying up.
I think this is a fine idea, specially in PS, where the guilds and economy constitute an important part of the game.
They might get some problems along the way with people who can't roleplay right. But it'll be worth it, I'm sure.
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I don't see how what I said can be viewed as sarcastic. Sangwa has pretty much summed it up. A good role player would understand that there are consequences.
Secondly had you have read more than the first two sentances of my post you would see that I refered to a statement you made at the end of your post proving that I did, in fact, read your whole post.
The only people i think who can truly start a bank are Tipore and Gharin, and a few others, they can afford to lose the money lol ;)
I'm sure that there are more than two people capable of starting a bank.
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I don't see how what I said can be viewed as sarcastic. Sangwa has pretty much summed it up. A good role player would understand that there are consequences.
Secondly had you have read more than the first two sentances of my post you would see that I refered to a statement you made at the end of your post proving that I did, in fact, read your whole post.
The only people i think who can truly start a bank are Tipore and Gharin, and a few others, they can afford to lose the money lol ;)
I'm sure that there are more than two people capable of starting a bank.
I knew you weren't being Sarcastic, that's why i wrote it as a rhetorical question. :thumbup:
As for reading my whole post, i was quite sure you did read it all, i mentioned only reading 2 sentances, because the way you replied was as if you only understood two sentances in my whole post.
You basically ignored it all saying.... banks exist in real life(without guild support), then they MUST exist in this game(without guild support) ::| ::| ::|.....(that being the basic theme of your post, basically irrational thinking.)
And yes i'm sure there are more than two people who can start a bank, those were the only 2 I KNEW personally who could do it. :)
And if you read, just a few more words down, you'd see I also wrote, "and a few others".
~~Datruth
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So which was rhetorical? Me being sarcastic or me being an airhead? I'm not going to argue over who read who's post so my last statement (and Sangwa's) still stand, neither of which you have adressed.
Well, these issues you mentioned only exist if they stumble upon bad roleplayers. Usually they should send a guard or some thugs to extort the money back from those who refuse paying up.
I think this is a fine idea, specially in PS, where the guilds and economy constitute an important part of the game.
They might get some problems along the way with people who can't roleplay right. But it'll be worth it, I'm sure.
A good role player would understand that there are consequences.
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So which was rhetorical? Me being sarcastic or me being an airhead? I'm not going to argue over who read who's post so my last statement (and Sangwa's) still stand, neither of which you have adressed.
Well, these issues you mentioned only exist if they stumble upon bad roleplayers. Usually they should send a guard or some thugs to extort the money back from those who refuse paying up.
I think this is a fine idea, specially in PS, where the guilds and economy constitute an important part of the game.
They might get some problems along the way with people who can't roleplay right. But it'll be worth it, I'm sure.
A good role player would understand that there are consequences.
Please, either you or sangwa, tell me what possible Roleplaying consequence a player could get for going to your bank, borrowing 100k, then not paying it back.
Please, i'm waiting, i don't think a few people can rile the community against such a person, even if they do something as wrong and underhanded as that.
OR EVEN WORSE
What would you do if a Person makes an Alt, Borrows money, Transfors it to his main, and deletes this alt?
I mean Look at my original Post, I like the idea of this guild, i just mentioned what no one else would, that's Liability.
So please sangwa or Parallo, explain to me what you would do in situation 1, and in situation 2.
And tell me who your Security force is that you mentioned Parallo, it needs to be real people.
~~Datruth
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Please, either you or sangwa, tell me what possible Roleplaying consequence a player could get for going to your bank, borrowing 100k, then not paying it back.
Please, i'm waiting, i don't think a few people can rile the community against such a person, even if they do something as wrong and underhanded as that.
OR EVEN WORSE
What would you do if a Person makes an Alt, Borrows money, Transfors it to his main, and deletes this alt?
I mean Look at my original Post, I like the idea of this guild, i just mentioned what no one else would, that's Liability.
So please sangwa or Parallo, explain to me what you would do in situation 1, and in situation 2.
And tell me who your Security force is that you mentioned Parallo, it needs to be real people.
~~Datruth
What security force did I mention?
Anyway situation 1
Usually they should send a guard or some thugs to extort the money back from those who refuse paying up.
Situation 2 has nothing to do with role playing consequences. I don't know why you even mentioned it. Its OOC. I'd expect much, much better from Planeshift's community than that.
Edit to add: Plus I'm sure the huge ammount of "Good" characters wouldn't socialise with thiefs. If they did that would be further bad role playing.
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Well i understand what you mean by Situation 2, not many answers to it, and it is an unavoidable consequence.
But situation one, even if you did hire thugs, what if such and such thugs were going up agains, Unar, possibly Proglin?
Why not a host of other people? People who could be considered the greatest duelests in the game?
How would you, using RP, stop such people, who could literally KILL all of you?
It's good to talk about this now, before such a thing happens.
~~Datruth
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You think that these people would massacre others and risk their good standing within the community? If they expected to massace innocent bankers and still waltz around in front of the city guard then that is in fact bad role playing.
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Unar was perfectly happy to kill several Elemental Light members and still waltzes around Hydlaa freely. If it was good RP the Character would now be in hiding.
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Exactly. Datruth seems to have not caught the part of Sangwa's post where he says that only happens in instances of bad rp. Either that or he does not understand the term rp consequences.
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You know what, since i can't get you all to confess up to what you'll do I'll just wait.
I know sooner or later an Evil person, or maybe even a neutral one, will go after your bank, it's just a matter of time.
Then i'll watch and see how you handle it so nicely. :)
~~Datruth
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What?! What are you on about? If a person correctly rps robbing the bank fair enough but the very way your suggesting they will go about it is OOC. Its like you have ignored both mine and Sangwa's posts and carried on talking about an altogether different subject!
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What?! What are you on about? If a person correctly rps robbing the bank fair enough but the very way your suggesting they will go about it is OOC. Its like you have ignored both mine and Sangwa's posts and carried on talking about an altogether different subject!
I said GO AFTER YOUR BANK parallo(read the last post), Meaning Either IC or OOC, whichever comes first.
I know sooner or later an Evil person, or maybe even a neutral one, will go after your bank, it's just a matter of time.
Frankly i'm looking forward to the Roleplaying one. It will be interesting to see how it's all handled.
Do you understand my last post now? :P
~~Datruth
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Parallo's right, though. You're talking about different things. There would be RP consequences to robbing a bank in Yliakum, there would be NO OOC consequences unless one of the GMs took it upon themselves, which I doubt will happen. Parallo keeps telling you that he's referring to quality RP and then you keep going back to complete OOCness. Try to get on the same page here, people.
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OK, here is my upcoming RP.
A random person (My Alt) who is a robinhood type comes and gets a loan. He then distributes it to the 1st player he comes across, Ohhhh, what a shock, the 1st player he meets is Idoru. then to complete the seamless RP; the random person goes into hiding.... Forever (I delete my alt).
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And you're not seeing this as bad RP how? Taking OOC advantage in this way IS BAD RP! How could you possibly not get that?
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If you honestly think that all players are excellent RPers who play the game in a whiter than white way then you are severely mistaken.
This conversation is about possible problems to a banking project in a PC game. not about how things would be if you had full control over other peoples actions.
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Parallo's right, though. You're talking about different things. There would be RP consequences to robbing a bank in Yliakum, there would be NO OOC consequences unless one of the GMs took it upon themselves, which I doubt will happen. Parallo keeps telling you that he's referring to quality RP and then you keep going back to complete OOCness. Try to get on the same page here, people.
Sorry phinny, we resolved that problem last page lol, no need to re hash it, we seperated them into two different situations, that was a day ago... in case you were wondering.
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And i meant what idoru said, I'm not just saying IC problems, WHICH YOU CANNOT ALL FIX BY ROLEPLAYING BECAUSE YOU ARE NOT ALL POWERFULL, i meant all problems
And i did label the different IC and ooc ones on the last page, so i know what you're getting at Parallo.
But what you seem to be suggesting is YOU WILL always win your money back in Roleplaying, I'm sorry, but banks do not always win.
And if they do, it's bad RP
That bank is going down soon, any minute now lol ;)
Just a matter of time.
~~Datruth
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I'm sorry, but banks do not always win.
This is so true. I work in one and from experience I am well aware that alot of people are scum. They will do and say whatever the can to get their hands on cash. And its is hard enough in RL to get them to pay back money. Nevermind in a PC game where it is entirely possible to just disappear without any trace at all.
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I know sooner or later an Evil person, or maybe even a neutral one, will go after your bank, it's just a matter of time.
Blacklist:
The persons who have cheated us:
-Tharorel, he stole 100k!
I guess it happened already..
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I know sooner or later an Evil person, or maybe even a neutral one, will go after your bank, it's just a matter of time.
Blacklist:
The persons who have cheated us:
-Tharorel, he stole 100k!
I guess it happened already..
And so begins, the beginning of the end.
Maybe... Parallo can go after him with his guards and thugs, or better yet, report him to a Gm.
Regardless i'm interested in seeing how this tharorel case ends.
~~Datruth
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Report him to a GM for what?
If some dummy gives you money well it's their own fault if they don't get it back.
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Report him to a GM for what?
If some dummy gives you money well it's their own fault if they don't get it back.
Yea i don't get it either, i didn't suggest it, but on the last page it was suggested as a means of action.
I really think they need to fix this liability problem fast.
~~Datruth
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If a person robs a bank and massacres X amount of people where will he go? From a IC point of view everyone in Hydlaa and everyone in Oja will know. The whole first level at least would know. The money then from an OOC point of veiw would be useless because a good role player would know he would have to flee further than the game mechanic will allow him. Will the community accept him back? I don't think so. He'll have little choice but to flee.
As for this:
I said GO AFTER YOUR BANK parallo(read the last post), Meaning Either IC or OOC, whichever comes first.
What does 'go after' have to do with specifing OOC or ICness? As all your responces thus far had indicated either a poor grasp of rp or discussing OOC issues I though it was safe to assume that the most recent one, when it didn't specify, would follow the trend.
As for the GM thing Phinehas said "which I doubt will happen."
Additionaly I'll not be chasing after anyone. I never claimed I would. I simply pointed out the most logilal way to do it IC, although it seems I was largly ignored.
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I'm just curious, how would hydlaa and ojaveda know about this?
We have no forms of media whatsoever, not even a paper.
Word of mouth can only get so far, and ojaved is a VERY far away city RP wise. It wouldn't know for atleast days, and few would find out.
Face it Parallo, you can't expect to get your stolen money back from everyone who steals from you, even the great RPERS, because eventually those same people, will out roleplay you, and will win.
~~Datruth
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How would Hydlaa know about it? Its the Hydlaa bank! Oja is within walking distance. If it weren't we wouldn't be able to go there.
The way I think you imagine it is:
Masked figure: Can I have 100k?
Loan officer: Sure.
Plus we actually have a message board which is in character and this little thing called word of mouth. I don't see how someone can talk themselves out of punishment for theft on such a grand scale unless the people he has to talk to are gibbering idiots. You obviously have a terrible opinion of the community.
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Report him to a GM for what?
If some dummy gives you money well it's their own fault if they don't get it back.
Wow. You just managed to compress into a single sentence what bothers me most about what PS is today.
/me hands Cha
zarus the "Most awful RPer ever ever" badge.
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Report him to a GM for what?
If some dummy gives you money well it's their own fault if they don't get it back.
Wow. You just managed to compress into a single sentence what bothers me most about what PS is today.
/me hands Cha
zarus the "Most awful RPer ever ever" badge.
You may have your own opinons about chaz, however wrong they may be.
But atleast he's an active participant of Planeshift, a little less than can be said about you.
Calling someone a Bad RPer or saying they have the inability to understind RP, as you and Parallo have done, shows the kind of morals you hold.
And when this bank get's ripped off again, me and chaz will only be laughing.
~~Datruth
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Hey I just started a drive to rob the bank in an OOC way in another thread (http://hydlaa.com/smf/index.php?topic=26674.msg301436#msg301436), Who'da thunkit!
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Oh, and one more thing.
Anyone who thinks GM's can interfere in RP matters, may have a new disease called, retarderous MKay.
You know who you are ;)
~~Datruth
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Report him to a GM for what?
If some dummy gives you money well it's their own fault if they don't get it back.
Wow. You just managed to compress into a single sentence what bothers me most about what PS is today.
/me hands Cha
zarus the "Most awful RPer ever ever" badge.
You may have your own opinons about chaz, however wrong they may be.
But atleast he's an active participant of Planeshift, a little less than can be said about you.
Calling someone a Bad RPer or saying they have the inability to understind RP, as you and Parallo have done, shows the kind of morals you hold.
And when this bank get's ripped off again, me and chaz will only be laughing.
~~Datruth
Actually, I'd be the first to admit I know almost nothing about Chazarus, but what he just posted was... lousy to say the least. As for the other, I'm not actually saying I think the bank won't get ripped off, I'm saying it shouldn't get ripped off in the way that it invariably will, which is OOC. If someone rips them off in a well-done RP way, I have nothing against it, although I do think that it shouldn't be every second Planeshifter's goal to rip the bank off, as that gets a bit excessive...
Oh, and one more thing.
Anyone who thinks GM's can interfere in RP matters, may have a new disease called, retarderous MKay.
You know who you are ;)
~~Datruth
If you meant me, I was suggesting the GM would interfere if the bank was ripped off in an OOC way.
I'll stop posting here now, I have the feeling that I'm interfering with your somewhat pathetic attempts at being self-righteous. We wouldn't want that now, would we?
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Gettin robbed OOC was what i was talking about Phineas ....
And basically you are stupid if you give someone money thats what i was saying.
You being ripped off cause you were stupid is no reason for GM involvement.
And for the bank to get robbed RP would mean the bank would have to give its money away knowing it wasnt going to get it back.
To me thats even dumber because money isnt that easy to come by nowadays with Platinum gone and the looting being so lousy.
That's about it.
So where dis that worst RP''er ever come from when I never even mentioned one thing about RP?
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So where dis that worst RP''er ever come from when I never even mentioned one thing about RP?
Do you just like to call people names ... you should have seen the ones I called you before they got erased ;D
Only because i was mad at you saying that about me for no reason.
I only enjoy calling people names if there's going to be some sort of spectacular reaction which I can then sit back and enjoy, like the one from Datruth, for instance.
For the rest, as you didn't specify that you meant OOC, it looked like your general attitude towards the game is, "If you're stupid enough to try and do something IC that can be taken advantage of OOC, then you're stupid. "
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what got me was i was talkin to Datruth not you
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Hmm... you posted in a thread. If you want to talk to someone and not be replied to by anyone else, then use PM's. At the very least you could have stated who you were talking to to avoid confusion. Come on, this is fairly basic forumming.
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I thought it was obvious who i was talking about cause i quoted him just not literally quoted him with the "quote" thing
And it was just your attack on me came out of left field i made no comment to you and you assumed i was talking about something IC and insulted me for no reason
If you get off on that well have fun i could care less i see you have no life anyway with over 2000 posts on this forum
seriously you just post to post i only comment on things im interested in or have knowledge about
imaybe im wrong and you do have a life and you only post about things that interest you ... in that case everything interests you ... and things you know about ... in that case you lhave knowledge of everything ...
come on dude you post here more than you play
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How does having a high post count have anything to do with this discussion? ;) I think you guys have gone off-topic enough. Back to banks now, and less trying to make each other cry.
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How does having a high post count have anything to do with this discussion? ;) I think you guys have gone off-topic enough. Back to banks now, and less trying to make each other cry.
You make me cry all the time karyuu... you meanie :'( :'( :'(
/me takes all of your catnip away
lol 8)
~~Datruth
[ I appreciate the river of crying, but 3 smilies in a row is still the max. Moreover, editing your post back after a moderator changed it is never a good idea. --Karyuu ]
[Don't take it too seriously lol ;), consider it a game, you can't tell me you didn't have fun lol ~~Datruth]
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well dont take offense karyuu cause you have over 7000 you are a mod and involved in the game heavily so you should have a high post count
you do good work :thumbup:
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So she makes a post saying to stay on topic and you make two posts even more off topic. I'm serously suprised that doesn't constitute a lock. Well I guess that if these chaps get in their last word I should too. If you ever make as much of a contribution as grat as Phinehas has, in just the time that I've been here, in your entire life I will bow down and lick your shoes. Seriously I will. He's like guild quality control. Granted some slip through but the amount of shear lunacy that Phinehas has stoped is amazing. All I'm saying is I suggest you take heed to what he says. He generaly knows what he's talking about.
Any way back to banks as you seem to have ignore the points raised in my posts, Datruth, I'll drop this whole thing and move on to maybe some questions:
Is there any information going to be released to the public about current profits and losses?
What is the bank's actual method of recieving money back from theifs as I was just guessing.
PS: Datruth, don't say 'lol.' Makes you sound like an idiot.
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If you ever make as much of a contribution as grat as Phinehas has, in just the time that I've been here, in your entire life I will bow down and lick your shoes. Seriously I will. He's like guild quality control. Granted some slip through but the amount of shear lunacy that Phinehas has stoped is amazing. All I'm saying is I suggest you take heed to what he says. He generaly knows what he's talking about.
Are you serious?
PS: Datruth, don't say 'lol.' Makes you sound like an idiot.
All I can say about that is LOL :P
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Yes I am. On both matters. So now can we stop drifting futher of topic and wait for an answer from the bank please?
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The Tharorel case ended in a hunt for him...But nothing else, he never paid back....
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Prehaps giving money to someone that is an Outlaw was a bad idea, no?
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Prehaps giving money to someone that is an Outlaw was a bad idea
Oh you are kidding me, He wasnt a member of the Outlaws guild was he? \\o//
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If he was in disguise he is easily recognisable as a barman, but in his regular clothes he bears the marking of the Outlaw guild. Bit silly to give him money if he is bearing that marking. He would be very, very easy to track him down if he were wearing his disguise though. In fact he tends to be tending to Kada El's most evenings that I see him.
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umm how is that possible unless you have two alts pretending to be the same character which would seem out of context?
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He edits his description. He wears a black cloak concealing his identity.
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He wore nothing suspicious then [He even left the guild], I trusted him...
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A guy turns up in a cloak (and presumably a mask),
Guy in cloak: Could I have 100,000 Trias please
Banker: Most certainly.
Guy in cloak: Thank you kindly
Banker: now if you could just give us your name and address please
Guy in cloak: No need for that, you can trust me.... Dont I look like a person you can trust?
Banker: ahhh, you have a point, I always trust people who try to conceal their identity.
*banker hands over 100,000 trias that is never seen again
on a serious note, this bank does not seem like the brightest of investment oppurtunities.
Also:
If he was in disguise he is easily recognisable as a barman, but in his regular clothes he bears the marking of the Outlaw guild.
seems inconsistent with this:
He wears a black cloak concealing his identity.
[EDIT]
He wore nothing suspicious then [He even left the guild], I trusted him...
@Parallo: are you just making things up???
[EDIT 2]
You are the thief arnt you Parallo lol
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Quote
He wore nothing suspicious then [He even left the guild], I trusted him...
@Parallo: are you just making things up???
It was not him, it was me posting that
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I did try to use the @Parallo to remove confusion but it apparently didnt work. I meant the things that he said were just made up. I believed what you said.
Although I revised that idea in my second edit when I realised that you probably didnt check the guys description and the only reason Parallo had the knowlege about what it said in the description was because he was the thief.
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He has that as a description while he is the barkeeper.
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Yes. I'm the thief. I took Datruth's advice and wore a cloak so noone could see me and I slaughtered all the gaurds too. Heh I 'out RPed' them. I'm currently in hiding in Hydlaa where noone will find me cause noone there will know what happened.
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Unless of course he sends one of his runners all the way to Hydlaa to post a message on the Hydlaa message board (http://hydlaa.com/smf/index.php?topic=25642.0) :o
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I am well aware of the message board. Datruth isn't. If you couldn't tell, I was being sarcastic.
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No I was in the Outlaws when it happened he really left the guild for one week.
Then he got the loan and immediately re-joined.
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PS: Datruth, don't say 'lol.' Makes you sound like an idiot.
Don't say anything, atleast you look like there is some scrap of reason left in you, but when you open your mouth, it leaves no doubt that nothing is there.
Attacking me spells your own demise, it's not good for your health, i'd suggest you stop. ;)
Yes. I'm the thief. I took Datruth's advice and wore a cloak so noone could see me and I slaughtered all the gaurds too. Heh I 'out RPed' them. I'm currently in hiding in Hydlaa where noone will find me cause noone there will know what happened.
Actually this is quite possible, a person who is a great duelist and RPer, comes in takes the money, leaves, goes into hiding, and is never found.
And no the people of Hydlaa will not search for him, when was the last time in Real life, you went on a search party to find the guy who stole money from the bank.
uhh..... try never.... it's up to the authorities, and if they can't find him, well than too bad.
Even in game, we don't go on search parties looking for thieves, who won't pay the bank back.
IF that person were smart, they would delete their character after having given the money to a trusted friend, and have their friend give their money to their main. 8)
I am well aware of the message board. Datruth isn't. If you couldn't tell, I was being sarcastic.
...... I'm very well aware of both Hydlaa and Ojaveda Message boards, i've posted in both of them before you parallo, so i'd shut my mouth right about now.
Yes, that's the sound of you being made a fool of, don't worry you're used to it so it might sound familiar. ;)
~~Datruth
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I honestly don't think you understand how wrong you are... Really... Its pathetic. I've more than proved my point. You just don't listen. Had you have read closer you would have noticed that that whole post was sarcastic. You think its a good idea to go into hiding in Hydlaa? After commiting a crime there? Of that magnitude? That further shows your ignorance of RP consequeces. Are we going to send the Guards after him? No we can't. They're NPCs. The bank would send people after him. It does happen In RL by the way. While we're on the subject of you contrasting RL to PS what about this whole 'if its in RL doesn't mean it has to be in PS thing' you were going on about? You just contradicted your own (Feeble) logic.
As for the start of your post...
/me chuckles.
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Ok, that's it. I'm bringing in the Karyuu. This thread has degenerated to pathetic insults and I'm sad to say that one of the members the DE was involved.
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I honestly don't think you understand how wrong you are... Really... Its pathetic. I've more than proved my point. You just don't listen. Had you have read closer you would have noticed that that whole post was sarcastic. You think its a good idea to go into hiding in Hydlaa? After commiting a crime there? Of that magnitude? That further shows your ignorance of RP consequeces. Are we going to send the Guards after him? No we can't. They're NPCs. The bank would send people after him. It does happen In RL by the way. While we're on the subject of you contrasting RL to PS what about this whole 'if its in RL doesn't mean it has to be in PS thing' you were going on about? You just contradicted your own (Feeble) logic.
As for the start of your post...
/me chuckles.
I didn't see a SINGLE scrap of evidence there in that whole empty shell of a post.
Oh and if that whole post you wrote was sarcastic, Why in the world did you write it, WHy are you spamming these boards???
Seriously half of your posts are like 1 sentance long. If that's not spamming i don't know what is.
AND i used the RL thing because you said this, "WE SEE BANKS IN REAL LIFE, without Guild Attachments, THUS WE MUST SEE THEM IN GAME!!!"
ANd i pointed out how stupid your Idea was, seeing something in Real Life, IS NOT A reason to put it in game, You need more reasons.
~~~~~~~~~~~~~~
BUT, when i mentioned REal life i said this, "WE do not see people chasing Bank robbers in real life, Why in the world would regular citizens chase them here"
THAT IS a valid point, it's not asking anyone to add anything to the game, All it's talking about is the ACTIONS of people.
Just that, IF the bank get's ripped off, YOU CANNOT expect the community to go after the bad guy.
TEll me i'm wrong now parallo, say, no Datruth, We CAN expect ALL HYDLAA and OJAVEDA citizens to find this guy.
Sorry, that's not gonna happen, someone doesn't make payment on a loan, that's you're problem, The hydlaa community won't give a rat's behind about it.
You want proof of that, I don't see ANYONE in hydlaa give a rat's behind at this moment, about that bank loosing 100k.
My impression of parallo:
"You can't expect the people to just stand there"
"He can't hide, not after such an atrocious thing"
"We'll find him for sure, if he's a good RPer"
~~~~~~~~~~~~~ You were wrong, The whole city of hydlaa didn't care that the bank lost 100k
He's not found, and probably won't be found.
~~Datruth
p.s: Phinny, if you should be mad at anyone, be mad at Parallo.
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I give up... I can't make you see sence... Sorry if I lost the rag. I couldn't help it. This is a lost cause... I refuse to repeat myself. There is obviously no point.
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Datruth, please don't drag things into the thread that have absolutely nothing to do with the subject. Everyone: stop calling each other names. I have lost count of the times "retarded," "idiot," and "stupid" was used in this thread. What level of maturity are you trying to show here? Are we five-year-olds lost in a temper tantrum or supposedly mature roleplayers? Someone send me a memo, I can't figure it out.
Now everyone please chill out before I lock the thread. I am sick and tired of giving people "chances."
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Just spend most of it on wine, women and song then when you have about 1000 tria left give it to a lawyer to declare bankruptcy for you. Don't forget to include the local judge in your party and to take a lot of pictures...The bank will end up owing you money!
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the reason banks\loan companies do checks on people, is to see if the person they loan the money to can pay them back (and also can afford to pay any interest(so that the banks can make more money)), so if anyone does ask for a loan, you have to say something like: you have to have been a customer for x ammount of time and show x ammount of money. Which would be a reasonable check for in game RP.
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That's actually a really good idea Miadon. More like that would be beneficial.
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From the start I figured that was what would happen. Banks tend to do that so its common sence. Guess it didn't then. Non-homeowners and no proof of income! Get a loan!
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From the start I figured that was what would happen. Banks tend to do that so its common sence. Guess it didn't then. Non-homeowners and no proof of income! Get a loan!
Giving out 100k To a person, In credit..... is just wrong.
And yes, miadon is correct, you need to create credit before you can take huge amounts of money out.
There should be a starting credit of 10k, and it should built up 10% for every payment you make on time, and go down 10% for every late payment.
100k to a stranger..... ;) no.....
~~Datruth
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No. Its not. If that person is shown to be a stable respected member of socity with a secure financial backround there is no reason not to give his 100k. What Miadon is refering to is proof of income(Having X amount of money) and stability(X amount of time as a member of the bank.) He was not refering to laoning smaller amounts first. That would be pointless. The customer could have no need of 10k.
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No. Its not. If that person is shown to be a stable respected member of socity with a secure financial backround there is no reason not to give his 100k. What Miadon is refering to is proof of income(Having X amount of money) and stability(X amount of time as a member of the bank.) He was not refering to laoning smaller amounts first. That would be pointless. The customer could have no need of 10k.
Either you are a millionaire, who is very well known, and you get a 100k amount, or you arn't, and you start at a small credit.
I'm well aware that there will be certain people who you CAN give 100k to.
Needing to point out every exception to every rule might seem necessary to you, but is quite annoying actually, most people should start out small.
That's why i freaked when i heard someone took out a 100k loan, and yet was relatively unknown and whose trust was under scrutiny.
Oh and if you started a bank in game, giving people nothing but huge sums of cash, you'd be stolen from more times than you could imagine.
You NEED to give new customers small amounts of credit, and 10k caps, I DON'T CARE if they NEED 100k.
That's a recipe for getting ripped off.
He was not refering to laoning smaller amounts first.That would be pointless. The customer could have no need of 10k.
I don't care what he needs, IF he wants to take out a 100k loan he needs to prove he can pay back 10k loans.
I can't believe you giving a person all the money he needs, EVEN though he hasn't proven himself, Could be o.k in your mind :o
I mean HOW is that o.k, he needs to prove himself first, and then take out the big bucks.
I'm glad you're not running this bank for one parallo, you'd have probably bankrupted it by now.
~~Datruth
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/me breathes deeply.
Okay... Backround check. I will not repeat myself again...
Unless you can adequetly dispute that I'll not post again about it. First you agree with Miadon now you dissagree.
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OK, Here is how it works where I work IRL.
Member joins, applies for a loan almost immediatly. We say no, we have no credit history for you.
The reason we have no credit history is because we dont use the services of Equifax or Experion (credit referencing agencies). We have our own reasons for not credit checking that I dont need to go into. As we have no credit referencing agency in PS then any bank can also not use one.
Where I work we reject their application and then would then say 'if you save money with us for 12 weeks, after that period has passed we would then offer you a loan of double what you have saved in that period provided you leave the money you have saved with us'
This does two things. 1st it shows us that the member has disposable income and can afford to repay a loan. 2nd it gives us a limited amount of collateral so that if the member fails to repay the loan our exposure is only half the value of their loan.
We have an upper limit for 1st loans which is 1000 pounds. If a member then repays that loan they are free to apply for larger amounts. These larger amounts would normally be granted because we now have a credit history and the member has a lower chance of defaulting on their debt.
If you were just to use the method of just making them save with you 1st then you do manage to avoid the spur of the moment thieves but if anyone has a long term plan (and IMO 100k is worth a 'long con') you are still heavily exposed. You must also use an upper loan limit that is low enough to avoid a long con but is high enough to be of use. 10K seems entirely reasonable for this purpose.
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I agree with all that except that in my opinion 10k is a bit low if the person has proven that they are stable and reliable. Then again that is just opinion.
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the point of the 10k is to prove the person is reliable, once repaid in a reliable way you would then know that the client is reliable. If I have 100k and deposit it in the bank and then apply for a loan of 200K the bank is still exposed to 100k of questionable debt with no track record of timely repayments.
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But if 10k is a pittence to you what would the point of the first loan be. All I'm saying is that we agree just on different scales.
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Hey, If you want 100k in easy cash, just apply for 50 credit cards or so with fake details. CC companies are really lax about checking. Actually all you probably need to do is get three or four and use them responsibly for a few months to build up a history, create bank accounts in those names and then start taking out loans. It is slightly more complicated than that but I won't get into details about doing illegals stuff 1. because it is not a serious recommendation for something people should do and 2. I don't know all the details having never actually done it. I do know that CC companies are incredibly eager to have people like me as customers ... carry a monthly balance and pay lots of interest. Hopefully one day I'll actually pay it off.
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HOLY CRAP Bilbous is a scam artist CALL THE COPS!!!
Just kiddin :devil:
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In a world like PS where building your character takes increasingly large amounts of money to accomplish and where money is a truly scarce resource... where does a bank really fit in? I know why we have them IRL... but I just don't understand how you can implement the banking concept and make it successful in Planeshift. I find the concept interesting, but unless I am actually earning interest on tria I deposit in the bank... I don't see the point in making deposits. And if a bank does not have depositors, how can it give loans? Then there are the problems with characters actually paying back loans, which is being hashed about in this thread. And then, there is the issue that this would become a full-time job for the banker character and take much IRL time. BTW Its all IMHO as I am bored right now...
@bibous: I understand that was not a serious recommendation, but I would not be giving anyone advice to anyone to commit wire fraud. In the US, since the Patriot Act, the banks are requiring a higher-level of checking when making accounts, and much more information is being reported to the gov't. I do not think the fraud issue is funny, a young person could easily screw up their life following that "not serious" suggestion, and there are many impressionable minds coming through this forum. Peace.
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Certainly it is becoming more difficult as the "West" becomes more and more of surveilling societies but all you have to do to be bombarded with CC applications is get accepted into a university or college. You don't even need to graduate. Actually it is better for these companies if you don't because if you succeed in graduating there is a fair chance of getting a good job which will pay you enough that you can use your CC responsibly, paying off the balance every month and minimise the companies profits. It is somewhat off topic so I will leave it at that.
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(Yeah, it is all a scam. I am known as a deadbeat because I pay off my balances. Ergo, they do not like me) Now back on topic: This should be a wishlist thing, but perhaps a bank could be opened kind of like a guild. Only the inital fee would be a percentage on a million tria, the remainder of which became the banks starting balance. Interest might be calculated daily or monthly on the total balance of the tria in the bank, perhaps according to variable factors like the number of rat hides traded, number of weapons manufactured, ores sold to Harnquist, et cetera. In this manner people could have accounts that accrued interest according to economic activity within Yliakum. Just my two bits...
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The bank is a guild, and we calculate interest according to our profit atm.
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The bank is a guild, and we calculate interest according to our profit atm.
So if you're not making proft, is no interest given out, or just a very low amount?
Let's put it this way, i'll put my money where my mouth is, i'll go and make a 50k deposit in this bank sometime soon, assuming i get a good interest rate.
I'll even promote your guild by having members of my guild deposit too.
ALL i need, is assurance, that I will be paid no matter what happens, Kind of like the governments Insurance of all banks up to 100k in cash.
So what assurance can you offer me, besides your word ;)?
~~Datruth
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Okay, so the bank is a guild. I got that. But when the interest is calculated, how is it applied to the account? So if I have a 100K in your bank and you calculate a rate of interest on my account after six months, where does the extra money come from? Right now, it has to come from somebodys pocket. There is no way to automatically apply interest to the account using game mechanics, so you would be tracking this manually? Then you would add onto my 100K from... where? Where does that tria come from? So, if I cannot expect my deposited monies to gain interest and grow, why would I deposit anything in the bank? Have I totally got this wrong, or what? Sorry if I missed anything...
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Okay, so the bank is a guild. I got that. But when the interest is calculated, how is it applied to the account? So if I have a 100K in your bank and you calculate a rate of interest on my account after six months, where does the extra money come from? Right now, it has to come from somebodys pocket. There is no way to automatically apply interest to the account using game mechanics, so you would be tracking this manually? Then you would add onto my 100K from... where? Where does that tria come from? So, if I cannot expect my deposited monies to gain interest and grow, why would I deposit anything in the bank? Have I totally got this wrong, or what? Sorry if I missed anything...
The Bank of Hydlaa robs newbies and takes all their money. ;D
Just joking. We offer various services, look in this thread for more info
http://hydlaa.com/smf/index.php?topic=26323.0
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Donari, I do not think you are trying to scam people, I believe you are sincere. I just cannot understand about how interest is applied, I mean, the idea looks good on paper somewhat, but we are not dealing with the same sort of numbers machine that an IRL bank is. Good luck with your bank!
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We gain prfoit through our various services, especially giving loans. With that, we gain a certain profit. No loss by now. That profit will be divided among the investors. The interest goes on their accounts.
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That's profit, but not interest. But that answered my question. I will be interested in seeing the quarterly reports from the bank, hopefully you will keep us posted on the progress. Just like with a real bank, I want to see numbers before I drop 500k into your bank. Good luck.
Edit: Okay, so I looked at definitions of interest and I guess that would be interest then. Not really a financial mind here. But I was thinking about interest applied to a savings account. Which is, I guess, the bank using my saved money and paying me interest for using it. Anyway, interested in seeing how this progresses for you.
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The first round of interest will be in January, accompagnied with a meeting of investors.
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The first round of interest will be in January, accompagnied with a meeting of investors.
Atleast you all are very professional, For that I applaud you all.
If this bank makes it, it will be for the hard work of Donari, i wish you the best of luck my friend.
If you need help, i'll be in game, just call on me, i'll be sure to answer.
~~Datruth
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then when the day comes, the big wipe will happen :D