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Post by silencedscream on Sept 15, 2022 7:29:16 GMT
When investing in bonds, we are shown their current credit rating to get a very general idea of whether or not to invest in a company.
One reoccurring issue - at least, one prominent enough to note in the Bonds Guide - is that some players will sell bonds and then reset their account shortly afterwards.
In a real world scenario, I’m able to see if a person has filed bankruptcy, defaulted in the past, etc., even if they move on to creating a new company, before deciding to invest with that individual. Could there be some sort of marker placed on a business to indicate a higher level of risk from someone?
It would serve as a deterrent for someone to take out more loans than they are able and would also encourage them to repay them before resetting an account. Furthermore, such a marker could fall off after x-amount in bonds have been called back or they reach a certain a level, indicating that they have improved.
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Post by Island Fresh on Sept 20, 2022 4:47:03 GMT
I don't like the idea of seeing how someone did before a reset. Maybe they just started and just grew their farms and market for a couple of months before defaulting on their payments or just giving up and leaving for a few weeks.
There's even an example of the following: A player is trying to play around with different buildings and investments. Learns what he needs to and then resets. Obviously, in that scenario, you most likely wouldn't want to put any money into them.
That's where the Business Rating model comes into play. You can see vital information such as their Company Value, Building Value, and Patent Values. You even have access to their other liabilities and such.
The last reset date along with the information already provided on their company's page is good enough information to make a good judgment call. If I was going to invest heavily into someone, before or while the bonds are up, it might be a good idea to send a message over and kindle a business relationship.
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