I had my stuff in the wrong forum, so I'm just copying the whole thing here, edited to save space, ofc. :)


Mbolism
Posted: Dec 2 2008, 05:31 PM

I took out a 4350 loan 3 days ago at 3%. You get charged interest at the time you take it out, and then each week it charges again. Why did I get charged again already after only my 3rd day?


dmw devil
Posted: Dec 2 2008, 05:41 PM

The "each week" charge happens midnight Monday, at the same time the bank interest runs. The Monday day is true regardless of what day you took out the loan.


Mbolism
Posted: Dec 2 2008, 05:50 PM

Ah, another thing that needs fixed so it's more realistic, and not to mention more practical for the game.

Two practical options:

Fix this so that it's based on the day the loan was taken out (which is how it should be, and makes more sense, and doesn't penalize people).

or

Remove the restriction on how many of the 3 loans you can take out in one day. If the interest is calced on monday, then I want to be able to take all my loans out the day after, so I get a fair interest rate, so everyone does. Doesn't make any sense, except to not have to do any extra coding, to have it as is.

Does anyone actually maintain this game? Or is it just OMAC that runs it, and basically just keeps it from falling apart, cause there are HOSTS of basic problems with this game that could be fixed overnight with just a little effort, but nothing ever seems to happen.

I'm assuming that this post is pretty much pointless as well......


dmw devil
Posted: Dec 2 2008, 06:06 PM

I don't see this as a game flaw at all.
There is cause for the loan interest being at the same time as bank interest (so you don't hang on to your loans just to put them in the bank and at least get back 1%).
There is also cause for spreading loans out over 3 days - to limit how much money you can draw on without really planning in advance.


Mbolism
Posted: Dec 2 2008, 06:15 PM

Still doesn't make sense. Fixing that would only require a slight interest hike to prevent bank abuse. Besides, it's not like they will be MAKING money. They still are losing on the loan the longer they have it out. They could also just make it so that the bank loan money cannot earn bank interest/be deposited into the bank. These are NOT hard problems to fix.

Second, why would you not want player to be able to plan ahead? That makes no sense either. If I want to buy a new truck in RL, I can go to a bank, they tell me how much they will loan me, and I buy the truck based on that.

Limit how much money one can draw on? Ok. So, to fix THAT problem, just make it ONE loan, of a larger amount. Like for me, for example, I can take out 4500$ loans. Instead, allow me, say, ONE loan of 12,000$, or something like that, at whatever interest rate is deemed appropriate. Not allowing another loan till that one is paid off is perfectly ok, and practical.

I've played plenty of other games with loan systems like this, and I've NEVER seen anything so silly.

Like I said, these are EASILY fixed to make them more practical, useful aspects to the game.

1. I like the interest as soon as you take out a loan. It is like RL. You have to pay more than the actual loan, even if you only have it out for less than a week.

2. The Monday night interest is the easiest way to keep everyone on the same page. Everyone knows when it is going to happen. No surprises.

Sorry, I do not see the point of changing it.

-WarMan v2

What the heck are you talking about Mbolism? I can't tell what your copy/paste posts say.

He basically does not like that interest is added when you take out a loan and that interest is always on Mondays instead of being a week from when the loan was actually taken out. He wants it to be changed.

-WarMan v2

I fully agree with Mbolism's ideas. :)
I wholeheartedly believe they will not happen. :(

Why Fix Something that Is Not Broken????

I don't have a problem with interest being applied to the loan as soon as it's taken out. My problem is that interest is compounded on it every Monday morning. So, if you take out a loan on Saturday, you not only incur interest when you take it out, but on Monday as well, giving you very little time to pay it off before then. It makes no sense, except that it makes it easier for the game programmers.

Everyone should be given equal time to pay off their loan before the second interest charge is applied, regardless of the day of the week they take it out. It would be one thing if you could only have ONE loan out at any given time, cause then you just wait till Monday and take it out, knowing you have a full week to pay it off.

However, if you want to use all 3 of your loans, you have to wait till tuesday for the second one, and wednesday for the 3rd, which means you have 1 and 2 less days, respectively, to pay them off, and they also incur the second interest charge 1 and 2 days sooner.

It's just silly. The simple fix is to change it so that they all have one week from the time taken out. Also, they should NOT be permitted to earn interest in the bank.

The other easy way around this is to simply allow only ONE loan at a time, but for a larger amount. If you max loans are 1k, but you get 3, just make it one for 3k. Simple, effective, practical.

I agree that this is probably far too much to ask for though..... I don't know what got into me....

Loans go with DR, $100 per DR Point up to a maximum of 50, for $5000, and my only suggestion is try to take loans out Monday, Tuesday and Wednesday, Personally i like how all interest on loans and in your bank is on the same night to keep it simple, and seriously do you notice the couple hundred extra interest?

Mbolism - whether or not the loan system will change, you do have to admit that there are ways of working with the current system that, as long as you plan ahead, are completely usable.

I think Mbolism understands how to work with the current system, he is merely suggesting a way to improve it.

Right. I agree that there are ways to work with it of course. I'm just trying to post some intelligent thought on how to improve the game for all parties. I have a lot of time invested into these browser games, and while I'm far from a genius, or even a programmer, I do understand the mechanics of games and how they work. I'm trying to convey that this game, while entertaining, lacks any real long term value because it's still in it's infant stage, with simple issues that are less than ideal remaining the norm, instead of thought and effort going towards improving them.

However, it seems many in the game like it the way it is, so I'm not about to try to out voice the majority. :)

The major problem with your system mbolism is the web's timestamp system is difficult to manipulate and use.. now there are alternatives but it would be much easier to use the current system and plan ahead in the future.

yeah me too my interest is not working

How does a supposedly difficult timestamp give my system so much trouble? If this timestamp is so difficult to work with, then it should be fixed, as I've never seen a timestamp being a problem for ANY other game in issues like this. Nothing a first level programmer couldn't work around.

Ok then, fine. If that isn't possible, then just switch to the single loan system. One loan at a time. New players can take up to 3k, veterans max out at 15k. Or whatever value seems appropriate.

This way, people like me that have foolish notions such as wanting a game that works with some degree of common sense can 'beat' the system. Those that don't care? It doesn't affect them. They can still take out their loan on saturday, pay interest, then pay interest again at the end of the next day if that is what they like doing. Guys like me can just time it right, take out what I need on Monday, then get a whole week to get it paid off before having to pay interest again.

I don't see why a suggestion like this isn't a viable option. The 3 loan system needs to go and be replaced by a single loan system if the timestamp thing isn't something that can be worked around.