would it be possible - at this stage of development - to reinstate the Loan shark with the following criterion:

*Maximum loan is 10x your current gross hourly income (before salaries)
*Only one loan may be taken out (or remain partially paid) at any given time.
*Loan is automatically paid back from your income like a salary
*Loan is paid back over the span of 14 ticks.
*Each tick pays back 10% of the loan premium
*The player does not have the option of paying the loan back early.
*Hence, loan matures by 40% (very high interest rate to deter abuse)


Example,
my income is 100k/hr, and i pay out 30k/hr in salaries
my max loan is 1'000'000. I take out the max loan amount.
For the next 14 ticks I now repay 100k/hr (10% of 1mil)
This is in addition to my 30k in regular salaries.
Worst case scenario is I started with 0 ore and spend all 1mil of my loan
I end up losing 30k on each tick (100k - (100k + 30K))/hr = -30k/hr
At the end of my 14 tick loan period I am at -420k
Assuming I did not hire any additional salaried units,
I resume my net income level of (100k - 30k)/hr = 70k/hr
It will only take me 6 hours to be back at a positive balance
But in all fairness I still am down 400k from the loan interest i paid


Another example,
my income is 20k/hr, and i have no salaries to pay
my max loan is 200'000. I take out the max loan amount.
For the next 14 ticks I now repay 20k/hr (10% of 200k)
I started with 0 ore and spend all of my loan
I end up breaking even on each tick (20k - 20k)/hr = 0k/hr
At the end of my 14 tick loan period I am at 0k
Assuming I did not hire any additional salaried units,
I resume my normal income level of 20k/hr
I am immediately back to earning a positive balance
But in all fairness I still am down 80k from the loan interest i paid


Any way you slice it, taking out a loan sets you back by 4 hours, which is a fair trade-off when you need cash in a pinch, and prevents the system from being abused to "stash cash" because doing so would essentially retard the potential exploiter's cash flow and tick usage down to ~66% efficiency (which isn't much of an exploit at all)

If i hired too many salaried units, i'd have to fire scouts or carry out thief missions to complement my income and get back into the positive. but that's what the "Look before you leap" disclaimers on the loan shark page would be for


A couple of things may need to be tweaked, but overall i feel that the aforementioned guidelines could yield a lending system with almost no room for abuse. (little or none readily apparent to me but please someone come bash it to bits so i can rebuild it, better - stronger - faster hahaha)

This post was last modified: 05-16-2007 08:23 AM by spamsdelicious.

would it be possible - at this stage of development - to reinstate the Loan shark with the following criterion:

*Maximum loan is 10x your current gross hourly income (before salaries)
*Only one loan may be taken out (or remain partially paid) at any given time.
*Loan is automatically paid back from your income like a salary
*Loan is paid back over the span of 14 ticks.
*Each tick pays back 10% of the loan premium
*The player does not have the option of paying the loan back early.
*Hence, loan matures by 40% (very high interest rate to deter abuse)


Example,
my income is 100k/hr, and i pay out 30k/hr in salaries
my max loan is 1'000'000. I take out the max loan amount.
For the next 14 ticks I now repay 100k/hr (10% of 1mil)
This is in addition to my 30k in regular salaries.
Worst case scenario is I started with 0 ore and spend all 1mil of my loan
I end up losing 30k on each tick (100k - (100k + 30K))/hr = -30k/hr
At the end of my 14 tick loan period I am at -420k
Assuming I did not hire any additional salaried units,
I resume my net income level of (100k - 30k)/hr = 70k/hr
It will only take me 6 hours to be back at a positive balance
But in all fairness I still am down 400k from the loan interest i paid


Another example,
my income is 20k/hr, and i have no salaries to pay
my max loan is 200'000. I take out the max loan amount.
For the next 14 ticks I now repay 20k/hr (10% of 200k)
I started with 0 ore and spend all of my loan
I end up breaking even on each tick (20k - 20k)/hr = 0k/hr
At the end of my 14 tick loan period I am at 0k
Assuming I did not hire any additional salaried units,
I resume my normal income level of 20k/hr
I am immediately back to earning a positive balance
But in all fairness I still am down 80k from the loan interest i paid


Any way you slice it, taking out a loan sets you back by 4 hours, which is a fair trade-off when you need cash in a pinch, and prevents the system from being abused to "stash cash" because doing so would essentially retard the potential exploiter's cash flow and tick usage down to ~66% efficiency (which isn't much of an exploit at all)

If i hired too many salaried units, i'd have to fire scouts or carry out thief missions to complement my income and get back into the positive. but that's what the "Look before you leap" disclaimers on the loan shark page would be for


A couple of things may need to be tweaked, but overall i feel that the aforementioned guidelines could yield a lending system with almost no room for abuse. (little or none readily apparent to me but please someone come bash it to bits so i can rebuild it, better - stronger - faster hahaha)

Genius !
Its Brilliant !
Bravo !
Well Done !

LOL did you really need to quote the entire thing??? ;-)

did you need to reply

do i need to say LOL?

no, but I do. LOL.

This post was last modified: 05-18-2008 04:04 AM by KillerPsycho.