Opticraft Community
Discussion forum => Legacy => Archives => Suggestions => Topic started by: MattnJoel on July 06, 2012, 02:01:27 pm
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To All Staff,
I was thinking that mabey it would be kind of cool if u made banks for people to put money into by turning the money into blocks. Like for instance lets say netherrack at the market u buy 500$ worth of it and put it into a bank and when u need to get money to buy something u can take ur 500$ from the bank.
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Thats kinda cool, but really not needed, i mean imagine being in the market and having to go to the bank because u didnt have any cash, lol no point haha
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I could see how this idea would work. You have money on hand, and you have a bank, and if you die you lose any money on hand, but none in the bank. Eh, I guess it's ok. I mean, the minecraft life is complicated enough though.
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Would be cool if the economy were different. Players keep there money with either no limit or an extreme limit (not sure) so for now banks are useless.
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I just thought mabey..... in the future u know not rite now
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I'm confused by this whole thing... You have a bank account, it's /bal... If you're talking about being able to turn a block of an item into money, you can do that too by selling at the market... You don't loose money if you die...
I don't see the need for a bank, unless I'm missing something here.
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Do you mean like a bank so you can store money away for something you can buy which is like 100k then you put it in your bank to store.So you dont spend it if its in your /bal?? if so thats not too bad idea.
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I have some ideas for the bank, as an investment plug-in for the players, but it will be complicated and I dont know what you would think about.
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Well spam i would love to hear.
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In an approach to make yound and old understand some things about banking, which means that I am not the expert, but I have studied some procedures, I could bring some ideas to more a gaming environment.
First of all, a bank, as a common deposit account that everyone could have entries. All the money are collected into a sum but registered to names, that probably we could look at, with a way of database query.
An idea that just came into my mind.
We could make a system that will benefit with an interest(%) the depositors according to their votes. For example, 0.005% interest for each vote, on your last deposited amount. It may be small, but I dont think it is nothing. It is a benefit of 5/1000 in your money everytime you vote, for your most recent deposit.
But, as it is logical, with the term bank, we could also lend to others money for their needs. An interest of about 2% each week on the loans' amount will be withdrown from the /balance of the player, till he deposit the whole amount. So, we need an option that will compute the actual amount that needs to be returned into the bank, and the amount of interest.
The profits that the bank will have, assuming the interest is set to 2%, will be divided proportionally to the players that have deposited money to the bank, and these "dividends" will be distributed once a month.
Let me know what you think. I believe I gave a complete view of my thoughts, and a system that could be established.
If any questions exist on the calculation of the interst, I can give the answers. But the most formulas can be figured out by mind.
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In an approach to make yound and old understand some things about banking, which means that I am not the expert, but I have studied some procedures, I could bring some ideas to more a gaming environment.
First of all, a bank, as a common deposit account that everyone could have entries. All the money are collected into a sum but registered to names, that probably we could look at, with a way of database query.
An idea that just came into my mind.
We could make a system that will benefit with an interest(%) the depositors according to their votes. For example, 0.005% interest for each vote, on your last deposited amount. It may be small, but I dont think it is nothing. It is a benefit of 5/1000 in your money everytime you vote, for your most recent deposit.
But, as it is logical, with the term bank, we could also lend to others money for their needs. An interest of about 2% each week on the loans' amount will be withdrown from the /balance of the player, till he deposit the whole amount. So, we need an option that will compute the actual amount that needs to be returned into the bank, and the amount of interest.
The profits that the bank will have, assuming the interest is set to 2%, will be divided proportionally to the players that have deposited money to the bank, and these "dividends" will be distributed once a month.
Let me know what you think. I believe I gave a complete view of my thoughts, and a system that could be established.
If any questions exist on the calculation of the interst, I can give the answers. But the most formulas can be figured out by mind.
That is a very good idea spam good thinking.
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No I don't like the idea.
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The profits that the bank will have, assuming the interest is set to 2%, will be divided proportionally to the players that have deposited money to the bank, and these "dividends" will be distributed once a month.
Only issue I see with this is: What if a player invests in the bank, takes out a loan, pays it off. When the month comes, they get back money that should have gone to the bank, but is returned to them. Yes, they wont get the full 2%, but they still get some. Unless we're going to make this like tax returns....
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I believe I described it clearly. If he invests, he gets interest only at his last invested amount, and not in the whole amount.
Let's say he gets a loan even if he has deposits. He gets interest with every vote for the money that he has in, but he pays 2%/week for his loan, untill he return the whole loan back.
When the month comes, he will get a small % for the amount he has invested in the bank.
So, he has paid taxes, he has given back the money, he has been served and bought what he needed, and at the end, he gets some returns from the system.
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I believe I described it clearly. If he invests, he gets interest only at his last invested amount, and not in the whole amount.
Let's say he gets a loan even if he has deposits. He gets interest with every vote for the money that he has in, but he pays 2%/week for his loan, untill he return the whole loan back.
When the month comes, he will get a small % for the amount he has invested in the bank.
So, he has paid taxes, he has given back the money, he has been served and bought what he needed, and at the end, he gets some returns from the system.
So effectively, what i described is not an issue and part of your system. However, I do now see another potential issue. We cant make the economy in Opticraft too complicated, or else the younger players will not understand it. Granted, they could learn... But for the *ahem* morons, this will be way over their heads.
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I dotn believe this is an issue.
When you enter a game, you learn things within some time.
The new players, won't come in the server for the bank's profits. The bank is a secondary thing that if you handle well, you can get benefited.
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Actually, reading the ORIGINAL post it looks like a way to circumvent market selling. If I PURCHASE $500 worth of stone at $250 a stack, I get 2 stacks. Now according to the post I can put that 2 stacks in the bank and get my $500 back. If I were to sell those back to the market I would only get like $50. So what stops people from just putting stuff in the bank and never going back to get it?
Original idea = fail... I didn't read the rest of them. My opinion is still that there's no need for a bank.
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Original idea = fail... I didn't read the rest of them. My opinion is still that there's no need for a bank.
Then read my idea, which is stated on the other page, and let me know what you think.
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Original idea = fail... I didn't read the rest of them. My opinion is still that there's no need for a bank.
Then read my idea, which is stated on the other page, and let me know what you think.
It's an interesting idea. There are a few things you need to ask yourself though.
- How useful will it be?
- How many will actually use it beyond the "novelty" phase?
- How much effort will it take to design, program, implement, and maintain?
- Is it something the server actually needs?
I agree that it might be a good feature that a few might use, if you look server-wide it's really not something that's needed. That's just my opinion though.
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spamarian's idea is pretty cool, but as viper noted, it would be difficult to implement in a satisfying way and it wouldn't immediately affect most people on the server. right now i believe the "next big opticraft project" focus needs to shift to something needed on the server to keep players entertained and to break the norm of survival.
but your idea is definitely something to keep in the back of the mind mr. spamarian.
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right now i believe the "next big opticraft project" focus needs to shift to something needed on the server to keep players entertained and to break the norm of survival.
Randomly spawned zombie hordes on the surface... LET THE APOCALYPSE BEGIN!!! :P
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Or a mob/pvp arena.... If done correctly, the mob arena could be very entertaining
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Or a mob/pvp arena.... If done correctly, the mob arena could be very entertaining
There is one. B1ueJ0ker has one in his castle. Ask him for entrance. Note: DOn't go alone.
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It would be interesting if the money was a block or item. I know in a minecraft-related game on the xbox, gold ingots are the money, and if you die, u lose ALL of the money you have on you. The money is able to be stored in chests, but there are no banks, you keep your own money, PERIOD. Now that, that would be interesting.
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If u really want a bank I have one in my town.....the only thing special about it is that u can deposit money and it'll grow over time. Tho u have to give it to me and I'll keep track of it. Your choise.
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I think what he is getting at is have 2 balances. One that is /bal the other /bank. So that the money you put into your /bank would generate interest and would not be accessable until you withdrawal it.
I Have always like this in games... Keeps me from thinking that I have unlimited cash. I also do this IRL to keep myself within budget on curtain purchases I make.
For example your
" Your Balance Currently has $10,000 dollars." - /bal
"Your Bank acount is currently at $300,000 gaining 3% intrest every 3 days. Would you like to withdraw or deposit money into your acount? Type /Bank w-To withdraw, Type /Bank d- To deposit"- /bank
This could probly be done by adding in a simple calculator that updates as you deposit or after 3 days has gone by.
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Will the bank have fee's like they do in real life? :P All kidding aside I believe implementing a bank into the game would be a step in the wrong direction.
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Kinda pointless
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i think banks would be pointless
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I have a great idea. When you die, you lose 50% of money. Putting money in the bank, you get interest and can also go into debt, where the bank steals your house if you wait too long. You can also buy a safe (multible large chests) for a cost per week.
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It might be useful if it is used like a real life bank:
-Main Function is loaning money.
-Can only loan up to the sum of what people have deposited in bank (plus a certain amount of money that is used as a backup)
-Encourage members to deposit money in bank by offering a small interest return on accounts.
-Loans are only available to TRUSTED rank or above, and priority is based on amount asked for and (higher ranked individuals, longer time on server, etc.)
-Loan rates are based on amount of money in the bank at start of each day.
I think that this could really be nice for people looking to start big projects that are fairly resource intensive.
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It might be useful if it is used like a real life bank:
-Main Function is loaning money.
-Can only loan up to the sum of what people have deposited in bank (plus a certain amount of money that is used as a backup)
-Encourage members to deposit money in bank by offering a small interest return on accounts.
-Loans are only available to TRUSTED rank or above, and priority is based on amount asked for and (higher ranked individuals, longer time on server, etc.)
-Loan rates are based on amount of money in the bank at start of each day.
I think that this could really be nice for people looking to start big projects that are fairly resource intensive.
just no,
1. this would make trusteds+ able to spend more money than they actually have, what would give trusteds+ a huge advantage. this wouldnt be fair towards the other (nontrusted) players.
2. the problem of intrest is that the more money you have on the bank, the more money you will get. this means that rich players will get even richer in a short period of time (300k on the bank = 10k every 3 days). and poor players stay poor
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This is becoming a terrible topic. Loans to trusted only? Losing your house? Going in debt? People, this is Minecraft! Save the getting evicted and crap for real life or go play The Sims.
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I like having all my money on me, banks are pointless
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I like having all my money on me, banks are pointless
Nuff said.
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It might be useful if it is used like a real life bank:
-Main Function is loaning money.
-Can only loan up to the sum of what people have deposited in bank (plus a certain amount of money that is used as a backup)
-Encourage members to deposit money in bank by offering a small interest return on accounts.
-Loans are only available to TRUSTED rank or above, and priority is based on amount asked for and (higher ranked individuals, longer time on server, etc.)
-Loan rates are based on amount of money in the bank at start of each day.
I think that this could really be nice for people looking to start big projects that are fairly resource intensive.
There's no way to enforce loans. Plus, Opticraft is pretty close to Laissez-faire capitalism, Where the 'government' doesn't involve itself with player-based trades.
I mean, You aren't even protected if someone went back on a deal. So I don't see how a loaning system would be secured by the server. I mean you can be a complete douchebag and loan 100,000$ from someone, and not pay it back.
And the rules don't protect you *Unless of course they decided to improve it a bit*.
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I like the idea, but there's plenty of problems.
What if someone took 100,000$ from the bank bought tons of protection stones places them everywhere and leaves the server.
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I like the idea, but there's plenty of problems.
What if someone took 100,000$ from the bank bought tons of protection stones places them everywhere and leaves the server.
It might be useful if it is used like a real life bank:
-Main Function is loaning money.
-Can only loan up to the sum of what people have deposited in bank (plus a certain amount of money that is used as a backup)
-Encourage members to deposit money in bank by offering a small interest return on accounts.
-Loans are only available to TRUSTED rank or above, and priority is based on amount asked for and (higher ranked individuals, longer time on server, etc.)
-Loan rates are based on amount of money in the bank at start of each day.
I think that this could really be nice for people looking to start big projects that are fairly resource intensive.
This is becoming a terrible topic. Loans to trusted only? Losing your house? Going in debt? People, this is Minecraft! Save the getting evicted and crap for real life or go play The Sims.
It might be useful if it is used like a real life bank:
-Main Function is loaning money.
-Can only loan up to the sum of what people have deposited in bank (plus a certain amount of money that is used as a backup)
-Encourage members to deposit money in bank by offering a small interest return on accounts.
-Loans are only available to TRUSTED rank or above, and priority is based on amount asked for and (higher ranked individuals, longer time on server, etc.)
-Loan rates are based on amount of money in the bank at start of each day.
I think that this could really be nice for people looking to start big projects that are fairly resource intensive.
There's no way to enforce loans. Plus, Opticraft is pretty close to Laissez-faire capitalism, Where the 'government' doesn't involve itself with player-based trades.
I mean, You aren't even protected if someone went back on a deal. So I don't see how a loaning system would be secured by the server. I mean you can be a complete douchebag and loan 100,000$ from someone, and not pay it back.
And the rules don't protect you *Unless of course they decided to improve it a bit*.
All the reasons we need to lock this topic. I think this would be a terrible idea. Sorry if there was a bit of quote spam.
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i think banks would be pointless