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| - Interest Due - | Started by: Mystery on Jan 17, '08 17:28 |
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The General Idea City accounts have long been a fairly useless inclusion in the game, with the recent adaption of the functioning of crew earnings it has brought their usage up considerable. However this still remains a useless feature to 95% of the userbase. I propose that interest be accrued over a 24 hour period on City Accounts. As far as a realism association is concerned, it is extremely realistic no matter who you were in the 1920s' - 1930s if you placed money into a Bank within a city you were going to receive some form of interest on it. More so as a Mafioso at the time you would be more likely to gain special advantages from this as the Mafia formed close bonds with many banking officials. Even today the association of Banks with the various Mafia's of the world remains strong. This idea will further help incorporate city Accounts which have long been an idle part of game play into the game. It is in tune with realism of the time, and it will benefit many members of the community. With all these wonderful features, i do however think there should be certain limitations placed on it. For a start, Interest on City Accounts should only work in your home city. Whilst it is likely and almost undeniable that a crime families resources will be widespread it is also undeniable that a majority of that money will be kept in a place that is close to where they operate. It is unlikely that you will open a bank account in a city in which you are merely visiting. It should also work on some form of variable interest scale. For Example: $1-$99,999 -- 17,5% $100,000-$249,999 -- 15% $250,000-$499,000 -- 12.5% $500,000-$999,999 -- 10% $1,000,000- $2,499,000 -- 7.5% $2,500,000-$4,999,999 -- 5% $5,000,000-$XX,XXX,XXX -- 2.5% Obviously there are not written in stone and can be adjusted if they are too high/low merely my idea of whereabouts to put them. However with regards to the %'s they greatly lack realism. However if one was to use traditional measures of interest and place them in this situation you end up with some startling figures. So whilst the interest lacks realism it is suitable to this situation. How The Payout Will Work? For the average user this will be a pretty basic idea. User X Deposits $400,000 Into Home City Account at based in New York on Jan 21 17:00 Mafia Time. Interest Accrued will be 12.5% 24 Hours Later $50,000 Interest Paid Into Account bringing the Total to $450,000 The Process Begins Again with Base Value now at $450,000 @ 12.5% Should user X remove any money from the account the Timer will be reset to 24 Hours. Should user X add money to the account it will only being accruing interest after the current 24 hour period. Pretty simple in idea. The only difference being would be with Crewleaders. Crewleader X Deposits $1,500,000 Into Home City Account at based in New York on Jan 21 17:00 Mafia Time. Interest Accrued will be 7.5% 24 Hours Later $112,500 Interest Paid Into Account bringing the Total to $1,612,500 Should user Crewleader X remove any money from the account the Timer will be reset to 24 Hours. Crewleader X will have constant amounts being deposited which will not accrue interest until the next day. Should Crewleader X or User X which to add money to the City Account and have it Accrue Interest Immediately he will remove all said funds from account and deposit the full total once again resetting the timer to 24hours. Conclusion The idea really is very simple, it will benefit users and incorporate an idle game function. However whilst the idea itself is a simple one. The implication of such an idea might be more difficult, i have no coding experience so i am unsure what impacts my various suggestions have on the coding process. So i have merely put the framework forward and it can be altered to allow for coding and easy implementation. Thank You |
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| Good Idea. But with the bank making so much money for the player. This could lead to less self earning and relying on the bank to make all the money. | |
| Reply by: V at Jan 17, '08 18:00 | |
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| While this is a great idea, I think i saw something about interest being added to V2. | |
| Reply by: Invictus at Jan 17, '08 20:57 | |
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Good idea but surely intrest rate should be more as you put more in no? Also maybe intrest could be done on rank so as you rank you get more intrest. |
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| Reply by: Howard at Jan 18, '08 17:02 | |
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No Howard, the Interest rate would go down as you put more in.. As you would have more money so you wouldn't need the interest to be high. Also, I like this Idea Mystery. Because it is very practical for people who are always needing loans. This way it will give them some drive to save their money! Devious gives a thumbs up for the idea. |
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| Reply by: Devious at Jan 19, '08 06:48 | |
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yeah, but 2.5%... its still quoite a lot okay, check out pretty much any other text based RPG you know, the ones that are all the same? they alkl have bank interest... and nearly all the people in the game have over 1bil in the bank, some of the higher players up to 100bil. and have they earned that money? nope. all bank interest. this would mean all mopst everyone has more money, and so they would train faster... it would pretty much bring the economy down single-handedly... so, in my view this is not a good idea :P but thats just my take onj it... |
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| Reply by: Premeir_Jr at Aug 16, '08 22:14 | |
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Not only that, but the admins are tryin to get money OUT of the game. Plus, in a role playing perspective.... When have Mafioso's ever collected interest on dirty money? If anything, thay had to PAY to keep their money in the bank. |
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| Reply by: The_Falcon at Aug 16, '08 23:48 | |
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very good idea that should happen |
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| Reply by: NZ at Jun 20, '09 04:57 | |
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I myself dont like the idea, you could easily make millions in a few weeks without doing a thing. Then there really wouldnt be any point for petties, felonies, MU's and Drug running. |
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| Reply by: Vito_Gangitano at Jun 20, '09 05:19 | |
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This could be a good addition, but you'd hate to see people making a fortune sitting there doing nothing. Maybe the interest percentage could be lowered to a 2.5 percent flat rate, with a max interest? Also, interest could be change to accrue over a weeklong period as opposed to daily. I'd love to see it in the game, since it is realistic- if you change it to weekly and lower the percentage that it keeps it manageable and beneficial (since people couldn't touch their money for the week it does, in a different fashion, take money out of the game) |
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| Reply by: Kates at Jun 20, '09 09:39 | |
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I like the idea of interest on home banks. The only things I would really change are the percents, make it harder to rely on just the bank. Also, I would make it so the person gaining the interest would need to do a certain amount of petties and/or felonies in that day in order to receive their interest. If that idea is implimented as well, it will stop players from just joining and not doing anything in hopes that their interest will be enough to live off of. |
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| Reply by: OddPanda at Oct 15, '09 14:19 | |
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I agree with myself and OddPanda. Although at the time I agreed I did not know I was agreeing with myself. Huzzah, self. |
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| Reply by: Kates at Oct 15, '09 14:29 | |
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Great idea, but you forgot that back accounts also got taxed so say you make 10% interest every day but the taxes are set at 11% - Just a number that popped into my head. You would be making a loss of 1%. So it would be a good idea but the admin are probably going to balance the money coming into the game with a tax to take the money out of the game. So I'm just guessing the way it is now is fine. This suggestion will also benefit semi-inactive players. Say a player makes 200k on a MUC on moday, banks it at an interest rate of 15% when they return on friday they will have 402,271 for one MUC. So it's basically rewarding those who do no work. |
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| Reply by: Frank_Blazini at Oct 15, '09 14:30 | |
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You set up the City banks to pay a 2% interest rate per week. If the money sits in the back for 7 Days, they then recieve the interest. If someone deposits or withdrawls during the week, the interest rate payout date resets till it hits 7 Days. That to me is the most realistic way to handle it. I dont know how hard it would be on the coding aspect of the game thou. |
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| Reply by: _Ragnarok_ at Oct 16, '09 05:02 | |
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Minimum $20,000
