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Author Topic: Opening a Banking Service  (Read 2582 times)

miadon

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Opening a Banking Service
« on: March 14, 2006, 10:44:11 pm »
I have decided to open a banking service, opposite Bodocher (Spelling??) and down the road abit from the Job Centre. The point of it is to hand out change. So say you had a circle and wanted 5 octas for it, I will hand it out. :)


Problem at the moment is I need more smaller change. So if anyone wants to swap some change(of same value) for a circle or wants to simply donate some smaller change to help the service start, I will be very gald of your help.

:)

Hopefully the service can start soon.
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Karyuu

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« Reply #1 on: March 14, 2006, 10:48:35 pm »
Awesome! I will be glad to help out with that :)
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Cyl

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« Reply #2 on: March 14, 2006, 10:53:25 pm »
Well this is a nice idea...

About smaller change, ..., a pricey but trusty method is to buy a large amount of low price items (apples for instance) and sell them one by one, however you are likely to loose some of your money if you do so (well except if you are trading with apples which buy and sell at 1 Trias, afaik)
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shorty13

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« Reply #3 on: March 14, 2006, 11:34:03 pm »
I thought apples buy for 1 and sell for 0?

Anyway, I alraedy said in-game but felt I should post here.
It is a terrific idea and good luck to you for that.

So now we have a merchant\'s row type thingy there with the Hydlaa Outfitters (bodacher\'s shop), the Job Agency, and the Coin Exchange.

Another Idea going along with the banking service is to allow players to give you some money for an alotted time (think it would only work if it were a longer period) and then when their alotted time is up, they have to take it out, but get interest with it.  You would benefit by having some money to use for various things if need be, although you will have to pay it all back in the long run.
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miadon

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« Reply #4 on: March 14, 2006, 11:52:05 pm »
Quote
Originally posted by shorty13
I thought apples buy for 1 and sell for 0?

Anyway, I alraedy said in-game but felt I should post here.
It is a terrific idea and good luck to you for that.

So now we have a merchant\'s row type thingy there with the Hydlaa Outfitters (bodacher\'s shop), the Job Agency, and the Coin Exchange.

Another Idea going along with the banking service is to allow players to give you some money for an alotted time (think it would only work if it were a longer period) and then when their alotted time is up, they have to take it out, but get interest with it.  You would benefit by having some money to use for various things if need be, although you will have to pay it all back in the long run.


I\'ve thought about loans, but mainly worried with newbies who will borrow some and never login again :).

Oh would it be possible for GM\'s to swap some of my change for me if I make a list of what I want done in a petition?

EDIT:
OOOPS I Miss read what you wrote, thats an intresting idea which I have to think about.
« Last Edit: March 15, 2006, 12:47:06 am by miadon »
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Karyuu

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« Reply #5 on: March 15, 2006, 01:23:16 am »
Best not to prod GMs about this. Many of them can\'t spawn items yet (so they can\'t exchange things unless they already have it) and generally keep this a player-run thing.
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zorbels

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« Reply #6 on: March 15, 2006, 10:57:25 am »
I think it is a very great idea and I will keep you in mind when I have change. Nice to see some new ideas .... very encouraging, and it make Yliakum interesting. :D
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Pestilence

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« Reply #7 on: March 15, 2006, 12:17:42 pm »
Like the idea a lot but not sure what the function would be atm. Only a few reasons why you would need exact change.
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miadon

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« Reply #8 on: March 15, 2006, 01:40:16 pm »
I\'m glad people are liking my idea :)
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Drey

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« Reply #9 on: March 15, 2006, 04:52:10 pm »
also pet names aren\'t to be used as signs ;P
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miadon

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« Reply #10 on: March 15, 2006, 05:01:25 pm »
shhh :-|
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Araye

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Great idea, I like it.
« Reply #11 on: March 15, 2006, 05:14:35 pm »
Masoj suggested holding money for another player (making a deposit) and then paying them interest as you gain by being able to use that money for something in the meantime (like a CD).  But the reason banks give interest is because banks are making a lot more money on those deposits lending money.  The bank pays three percent for your deposit, but makes 8 or 9 percent by making home loans for example.  Ok so you know loans aren\'t really going to work because the people that need money (at the moment) are newbies and the risk is just too high.  So here is my suggestion:

Instead of paying interest, charge a service fee to hold that money.  Something like 2 to 5% per month (maybe based on the amount).  Now guilds can come to you (or players with lots of cash) and pay you to hold onto it for them.  We would then have a central place to come to make guild deposits or withdrawals and you would make a great living too.

Now if only you had something to spend all that money on....

Araye
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miadon

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« Reply #12 on: March 15, 2006, 05:31:10 pm »
Quite an intresting idea about storing money, only one problem. I mean money doesn\'t weigh anything so why pay someone to store it :p
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Drey

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« Reply #13 on: March 15, 2006, 05:35:50 pm »
Quote
Originally posted by miadon
Quite an intresting idea about storing money, only one problem. I mean money doesn\'t weigh anything so why pay someone to store it :p


helps resist the temptation to spend it if its not in your pocket...
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miadon

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« Reply #14 on: March 15, 2006, 05:39:06 pm »
true, but would people trust me enough :p. Well thats up to them. :)
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