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Suggestions > Loan system

Loan system

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This Post:
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240593.8 in reply to 240593.7
Date: 4/15/2013 11:40:29 AM
SALME
III.12
Overall Posts Rated:
5151
how it will help cheating?

tell me one way how to cheat with it. or two.

This Post:
00
240593.9 in reply to 240593.8
Date: 4/15/2013 12:09:37 PM
Overall Posts Rated:
914914
Just one:
I create second team using another IP (for example at the University campus). I borrow completely new team 1M. The interest would be at least 50% (300k at the begginning + 50k each week 4 times + weekly operating profit). I do not make any transfer. I can establish let's say few teams and transfer there maximum 1M for each (higher return on equity and D5 teams have smaller incomes). Easy money.

Second way:
Community can establish "regional fund". Managers will invest their money only in 1 team for 0% interests or even with minus interests (seems stupid, but why not). 1 team with really high budget can perform really well in B3 spending money.

This Post:
00
240593.11 in reply to 240593.9
Date: 4/15/2013 12:16:59 PM
SALME
III.12
Overall Posts Rated:
5151
u miss the point of this system.

its not loan from player to player.
its a loan from bank to player.

theres 2 ways to establish bank.
1 way is to do it by BB program. BB will creates the money, gets intrests,
Other way is to do it as players are investors. This way players may make profit. But players will just invest into bank capital as buying shares and will be paid dividens in the end of season for example.

it wont be loan from player to player. NOPE.

there wont be way for money laundering.

This Post:
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240593.12 in reply to 240593.1
Date: 4/15/2013 12:21:27 PM
Overall Posts Rated:
32293229
There are sometimes moments when manager wants to buy a new player but can not find enough money for that.


For every user who might actually do this intelligently, I am sure that there will be 10 who compound the common new player mistake of spending all their money on players by borrowing even more money to spend on players and hasten their departure through bankruptcy. Besides, who wants to see the final weeks of the season have teams borrowing so they can spend even more on players for the postseason?

This Post:
00
240593.13 in reply to 240593.12
Date: 4/15/2013 12:46:52 PM
SALME
III.12
Overall Posts Rated:
5151
you cant borrow more than 10-30% of your teams worth.
if u fail to return loan then ur worthy players will be sold on market.
theres no bankruptcy - u just will have a weaker team.

This Post:
00
240593.15 in reply to 240593.13
Date: 4/15/2013 2:06:52 PM
HAHA001
IBL
Overall Posts Rated:
454454
I like the idea of saving money for interest ; But I dont like the idea of loan from the bank.

The more you save, the more interest rate you can enjoy. This should be realistic.

As for the loan, it would destroy the game as people intend to spend all the money to improve their team until bankrupt. And then create a new team, which could not be a sustainable trend for this game.

If you really want to get loan, I am afraid that BB needs a system to estimate the value of the whole team, say your 10 players are worth $500,000 (dont argue with BB about the fairness), then you could borrow $5,000 (1% of the team value). Well, does that $5,000 help your team much?