Thoughts? Take notice of the gold return when you have 300 and 400 gold invested.


I've been going on about how there are no tangible benefits to owning a domain for some time. This is right up there with domains. Why own a bank? Convenience? I could just as easily store my bank on a mule in New Banian and the imps and wolves that spawn on my walk to town from the docks would yield more gold in drops than a bank would in interest, and I don't have to worry about some rivals burning down my mule and stealing all the gold.

_________________________________________

reply to DeanaWarriorPrincess:

All of those values need to be multiplied by 6.

_________________________________________

_________________________________________

The most powerful force in the universe is compound interest.

There's a reason the returns are low.
Do the math on what would happen if they were higher.

_________________________________________

430,400 gives 350/day

almost half a million.


_________________________________________

350 x 6 rather, so 2100 a day. that's quite petty for investing so much into a bank especially given how vulnerable money in a bank is.

I don't expect it to be changed or anything, I'm just pointing out how crappy you the bank system is and why myself and others will continue to uses mules instead of banks.

_________________________________________

I blame China for ruining the world economy.


_________________________________________

DeanaWarriorPrincess wrote:

I've been going on about how there are no tangible benefits to owning a domain for some time. This is right up there with domains. Why own a bank? Convenience? I could just as easily store my bank on a mule in New Banian and the imps and wolves that spawn on my walk to town from the docks would yield more gold in drops than a bank would in interest, and I don't have to worry about some rivals burning down my mule and stealing all the gold.

Currently, there IS a benefit to domains, being the fact that it is impossible to take one or even survive being near while outlawed if it has even a few army units.

Although, once we reach the level where we stand a chance against domains, and bank burning is even possible by people other than the lord, then I totally agree with your idea of making bank interest rates increase the longer a domain is owned.

_________________________________________

Tea wrote:

DeanaWarriorPrincess wrote:

I've been going on about how there are no tangible benefits to owning a domain for some time. This is right up there with domains. Why own a bank? Convenience? I could just as easily store my bank on a mule in New Banian and the imps and wolves that spawn on my walk to town from the docks would yield more gold in drops than a bank would in interest, and I don't have to worry about some rivals burning down my mule and stealing all the gold.

Currently, there IS a benefit to domains, being the fact that it is impossible to take one or even survive being near while outlawed if it has even a few army units.

Although, once we reach the level where we stand a chance against domains, and bank burning is even possible by people other than the lord, then I totally agree with your idea of making bank interest rates increase the longer a domain is owned.

How is that a domain specific benefit? You can live in argo with the same benefits, minus setting guard activity and impunities, and a lack of dsay (which is worthless since we've TRC now). The guards in Argo will rip you apart if you pull any shenanigans in town.

_________________________________________

reply to DeanaWarriorPrincess:

I still think its better than before, but you're right. Although my second point still stands.

_________________________________________

this post has honestly convinced me to start storing money on and alt finally, after years of being addicted to putting hundreds of thousands of gold in banks to get a slowly increasing interest benefit that never really becomes worth the massive amount of money you have to have in a rather unstable structure that could all be stolen by knizians int he blink of an eye while you're asleep

i think the interest idea is cool but it's so ... bad. you'd need millions to get a good daily profit and by the time you have millions you'll generally want to start spending it on making your high-tier weapons perfect or something and you probably get so much money daily from raiding or whatever anyway to have that much money to begin with that the few thousand you'd get from keeping it in the bank would be like a drop in the bucket

_________________________________________

BreakmanDX wrote:

i think the interest idea is cool but it's so ... bad. you'd need millions to get a good daily profit and by the time you have millions you'll generally want to start spending it on making your high-tier weapons perfect or something and you probably get so much money daily from raiding or whatever anyway to have that much money to begin with that the few thousand you'd get from keeping it in the bank would be like a drop in the bucket

Welcome to real life...

_________________________________________

Add stock markets and CDs and "buy gold for gold" scams and ponzi schemes to FFO and let us all be financiers!

_________________________________________

Anyone wanna buy a Kirby? how about some Monavie....

_________________________________________

Banks should NEVER be close to being even remotely fast cash. They aren't meant for fast cash they're supposed to be the only method of hoarding gold. But since alts are possible in FFO still people will use them for large amounts of gold.

_________________________________________

I don't disagree with this statement however there should be benefits to investing large sums of gold. The rewards don't justify the risks currently.

_________________________________________

An easier solution would be to limit the amount of gold that a character can hold.

_________________________________________

Gotta keep in mind how expensive some of the engraves/upgrades are.

_________________________________________

reply to Jimmy Dean:

level 1-10: 10,000g per level
level 11-20: 50,000g per level
level 21-30: 100,000g per level
level 31-40: 200,000g per level
level 41+: 500,000g per level

sound good?

_________________________________________

You could likely halve the numbers and it'd still work out well, since after level 20 the limit isn't going to be reached.

level 1-10: 10,000g per level -- 100K at 10
level 11-20: 50,000g per level -- 1M at 20
level 21-30: 100,000g per level -- 3M at 30
level 31-40: 200,000g per level -- 8M at 40
level 41+: 500,000g per level -- 25M at 50

Adjusted numbers for halving

level 1-10: 5,000g per level -- 50k at 10
level 11-20: 25,000g per level -- 500k at 20
level 21-30: 50,000g per level -- 1.5m at 30
level 31-40: 100,000g per level -- 4m at 40
level 41+: 250,000g per level -- 12.5m at 50


_________________________________________