Bank interest

[whatscripplin]

What do you guys think about the idea of you earning interest on the amount of money you have in your bank?

[Ericinico]

If it makes me money then I'm happy with it.

[Charlie Boy]

That's a pretty stupid idea.

[Plumbernick9]

I wouldn't waste anymore thought on this concept.

[PawnXIIX]

Due to the fact that there's people with billions banked, there's no way this could ever be fair.

Even just 1% interest per day on 1 billion is $10,000,000 - and it'd probably be a little higher than that or else players with low amounts of banked money would be complaining at how it doesn't get them anywhere. Now I know people could also make an argument by saying high IPH players don't even bank - but that's not anywhere near a "valid" argument since there are still lots of players out there who use the bank to store millions upon billions.

[SuperTP]

i dont bother banking anymore, since i have no bank charge of 10% modifier its more cost efficient for me to walk around with my hundreds of millions and risk losing a few hundred thousand here and there instead of 100million when i deposit a billion. Interest on deposited money might inspire me to bank it but than what would be the purpose of charging the 10% they do?

[PawnXIIX]

I can probably guess that a lot of the huge gold spenders have the free bank deposit weapons as well :(

...Must be nice.

[K.hudson]

I like it. It's just like how real things go. :)

[bald zeemer]

Daily ROR for buildings and upgrades on a daily basis drops below 1% at around the MT7-MT8. Interest on bank holdings would make building and upgrading almost worthless (assuming daily bank interest of 1%), thus destroying pretty much the entire mid- and end-game. Essentially the strategy would be camp, build 2xNC2, bank all cash, done. All other buildings and upgrades would just become overpriced decorations.

[PawnXIIX]

Daily ROR for buildings and upgrades on a daily basis drops below 1% at around the MT7-MT8. Interest on bank holdings would make building and upgrading almost worthless (assuming daily bank interest of 1%), thus destroying pretty much the entire mid- and end-game. Essentially the strategy would be camp, build 2xNC2, bank all cash, done. All other buildings and upgrades would just become overpriced decorations.

I'm sorry - ROR?

[bald zeemer]

Sorry - ROR = Rate of Return. Expressing percentage return on investment. I developed my own spreadsheets before I found these forums, and I use investment terminology for most of my values.

[nytelock]

Don't bother, GREE have yet to solve their simpler errors and problems, let alone developing a new feature.

[SuperTP]

Don't bother, GREE have yet to solve their simpler errors and problems, let alone developing a new feature.

You mean developing a new future problem? lol

[KemoKidd]

I can probably guess that a lot of the huge gold spenders have the free bank deposit weapons as well :(

...Must be nice.

Definitely one of my favorite modifiers. I got that in the top 10/100 Android only event. The number of items needed for the Android only events were MUCH lower than the regular events. I believe I had 80 something items and ended up in the top 10. The top 100 prize was 5% deposit fee and I believe that number of items was around 20!

I also have 33% off upgrade times and 30% upgrade costs! I should have another 10% off upgrade times but Gree screwed me on the Android pvp event.

[AFed]

A 1%/day would be ridiculous. That's 1.01^365 for the whole year...would multiply your bank value by 37x just letting it sit.

[PawnXIIX]

The number of items needed for the Android only events were MUCH lower than the regular events.

Must be nice :p

[KemoKidd]

Must be nice :p

Im a rare non complaining android user!

[PawnXIIX]

Im a rare non complaining android user!

Everybody get to the bomb shelters - the apocalypse is obviously coming :S

[Tommy Two Toes]

A 1%/day would be ridiculous. That's 1.01^365 for the whole year...would multiply your bank value by 37x just letting it sit.

Agreed. The whole point of the game is to remain realistic.

1) If you are thinking that gangsters just open an account at their local bank, and make cash deposits of tens or hundreds of thousands of dollars, you are out of your mind. They use their own underground banks, where you pay a premium to have your money laundered, and protected (from the government). The 10% fee for deposits is probably pretty accurate.

2) If your brick & mortar bank pays 1% per day, sign me up. Mine pays less than 1% per year. A more realistic daily interest rate on an account would be about 0.0025% (about 25 cents on each $10k).

[dudeman]

Why hasn't this thread died yet? Posts 3 and 4 were spot on.

[cooch]

Agreed. The whole point of the game is to remain realistic.

1) If you are thinking that gangsters just open an account at their local bank, and make cash deposits of tens or hundreds of thousands of dollars, you are out of your mind. They use their own underground banks, where you pay a premium to have your money laundered, and protected (from the government). The 10% fee for deposits is probably pretty accurate.

2) If your brick & mortar bank pays 1% per day, sign me up. Mine pays less than 1% per year. A more realistic daily interest rate on an account would be about 0.0025% (about 25 cents on each $10k).


I think you've summed up the idea's merit or lack of it....I'm with the Dude...close this topic out, don't want it to pop up near top of new thread responses!

[Dipstik]

Now how did I get dragged into this?

[Marcus Aurelius]

Wtf is going on around here?

This place is for the birds.

[Marcus Aurelius]

F off yo paem troll

Joaquim? Santa? Baroness? Is that you?