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Post by supergiant13 on Apr 26, 2021 19:43:17 GMT
I think the bank is getting somewhat boring. You should double the cost of the bank but make it so that you can store some money in it to get a small percentage extra money every day. There is the same passive effect, increasing accounting levels, but at each level, you could make it so you can store more money. You get the interest at 0:00 UTC. This will make the bank more useful to people. It is like buying bonds that don't give much interest but are completely safe.
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Post by longgame on Apr 26, 2021 22:23:21 GMT
This is a good idea and will definitely benefit mature firms, but will hurt the smaller, newer firms. Having the option to gain interest on cash and being liquid at the same time will definitely peel off some demand for the riskier, less liquid bond market. Then again, this might also be good for the overall market since the coupon rates for lower-rated bonds are insanely low at the moment.
If banks are being upgraded, I'd enjoy seeing the implementation of bank loans on top of this savings account idea. Bank loans can offer quick cash, emergency loans to be precise, but at a higher interest rate and require a short principal payment deadline. With proper education regarding the risks and usage of loans, it might actually save a few newer companies from defaulting in the long run.
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Post by supergiant13 on Apr 27, 2021 15:45:32 GMT
Maybe it could be so that you have to be at least level 20 to do it. By that point, most companies aren't noobs and will think clearly whether they want a bank or not.
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clarkyltd
Oil Patch Laborer
MOAR STATS!
Posts: 54
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Post by clarkyltd on Apr 28, 2021 20:21:01 GMT
I agree, the bank needs more appeal, perhaps a mechanism that allows a certain amount of bonds to be held without affecting the accounting overhead threshold? That way the bank owner would get interest and smaller players benefit from more liquidity in the bond market?
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Post by The Center on Apr 29, 2021 14:40:00 GMT
The bank was meant as an endgame building. Its not for everyone.
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Post by RichardWest on May 6, 2021 11:17:37 GMT
The bank was meant as an endgame building. Its not for everyone. Pretty sure that was a typo. You meant to write "as an aerospace building." lol |
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chaos
Global Moderator 
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Post by chaos on Jun 7, 2021 12:46:11 GMT
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Post by mightymoo on Jun 10, 2021 17:23:00 GMT
I think the only problem with the bank is most people do not understand how to use it.
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pese
Oil Patch Laborer
Posts: 66
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Post by pese on Jul 9, 2021 9:12:06 GMT
The bank was meant as an endgame building. Its not for everyone. The one person i know who build the bank scrapped it because it doesn't add enough for the high admin increase. At least the bank shouldn't produce admin... But the current mechanic is indeed pretty boring. Maybe it can become more relevant with personal equity and stuff in future. |
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Post by The Center on Jul 15, 2021 15:31:29 GMT
Today's paper shows 433 banks in the game. So clearly people are using them for the intended purpose.
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