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Other => FOnline:2238 Forum => Archives => General Game Discussion => Topic started by: kraskish on June 15, 2010, 03:03:53 am

Title: Does interest rate work?
Post by: kraskish on June 15, 2010, 03:03:53 am
Hi does interest work? I checked I have like 2% in NCR bank. Just dunno if it works, if yes whats the installment period (for what intervals does it apply) ?
Title: Re: Does interest rate work?
Post by: Michaelh139 on June 15, 2010, 03:14:57 am
I've been wondering this too....  Interesting question no?

Answer from Dev or GM please. :P
Title: Re: Does interest rate work?
Post by: Solar on June 15, 2010, 01:07:27 pm
It depends on how much the bank has in reserve - this is to stop exponential cap generation from interest rates. I'm not sure if this reserve is still linked to how many Mercs/Bases/Professions are bought or if it has just become a finite store at the start of the session which gets used up.

With so many caps in banks now, I would guess interest is either close to 0% or 0%
Title: Re: Does interest rate work?
Post by: Heckler Spray on June 15, 2010, 01:30:48 pm
We neeed moar banks !!!!

Seriously, there's something wrong with this system, people prefer to store their caps in their tent/base. Too bad, it s an interesting feature.
Title: Re: Does interest rate work?
Post by: Solar on June 15, 2010, 01:40:22 pm
Or we need less caps so the interest given isn't maxed out so quickly  ;)
Title: Re: Does interest rate work?
Post by: kraskish on June 15, 2010, 03:24:56 pm
Nope, it doesnt work for NCR at least, I left 2000 caps for 2 weeks and its still 2000 :)
Title: Re: Does interest rate work?
Post by: Roachor on June 15, 2010, 07:23:33 pm
Or we need less caps so the interest given isn't maxed out so quickly  ;)
Then make things bought with caps buyable with goods. Its a ridiculous concept anyways, currency only holds value if it's backed by the country and the wastes don't have an organized, unified gov't. It should be mad max style barter town.
Title: Re: Does interest rate work?
Post by: gordulan on June 15, 2010, 11:54:50 pm
could be interesting if caps'll get removed, i'm betting that ammo will become the new currency.
Title: Re: Does interest rate work?
Post by: Roachor on June 16, 2010, 01:23:24 am
could be interesting if caps'll get removed, i'm betting that ammo will become the new currency.

makes the most sense considering the setting.
Title: Re: Does interest rate work?
Post by: Ox-Skull on June 16, 2010, 12:11:08 pm
could be interesting if caps'll get removed, i'm betting that ammo will become the new currency.

I already use 10mm rounds as money, 1000 rounds is about 1k. :) i think a little more.
Title: Re: Does interest rate work?
Post by: Roachor on June 16, 2010, 06:38:06 pm
I already use 10mm rounds as money, 1000 rounds is about 1k. :) i think a little more.

lol you sell to the wrong vendors if you get 1/1 ratio
Title: Re: Does interest rate work?
Post by: gordulan on June 16, 2010, 06:59:45 pm
the price is about 9 caps per round, so 111 rounds is about 1 k
Title: Re: Does interest rate work?
Post by: corosive on June 18, 2010, 07:23:09 am
man what about coins? cold. hard. cash from fallout 2 :P  lol i remember seeing that for the first time "Huh?!! No bottle caps? Why didn't they just do this in fallout 1?! how can the currency system change from bottle caps to actual coins in like what 35 years?  I guess they found a shit load of coins during that time...

Anyhow tho, I really wish interest does work... I swear i've seen it work... I used to have like 5500 caps in NCR Bank came back like ... 2-3-4 weeks later and had 6200 ... eh i mite be crazy tho ... lol  ::)
Title: Re: Does interest rate work?
Post by: Aricvomit on June 18, 2010, 08:55:05 am
Then make things bought with caps buyable with goods. Its a ridiculous concept anyways, currency only holds value if it's backed by the country and the wastes don't have an organized, unified gov't. It should be mad max style barter town.

you know they cant do this, it makes to much sense and would make the game fun. they cant have that no sir.
Title: Re: Does interest rate work?
Post by: Solar on June 18, 2010, 09:34:08 am
There are some things which require caps. This requires you to get caps. This is part of the game.
Title: Re: Does interest rate work?
Post by: Aricvomit on June 18, 2010, 11:52:40 am
There are some things which require caps. This requires you to get caps. This is part of the game.

well it wouldnt be such an issue if you guys werent making caps next to impossible to obtain for most players, every time someone drops 30k on a base or whatever they do it disappears and the economy stays broken.  if you cut the refreshing of caps out of the game and  made it so that all the money spent on bases and mercs got redistributed to the city their in there would be no need to have a system that refreshes merchants with a limited number or caps, instead they would just have a trickle down effect and the merchants would have caps and people would be happy. all in all it would improve the game.
Title: Re: Does interest rate work?
Post by: Solar on June 18, 2010, 11:59:57 am
Merchants already refresh a limited number of caps. This averages out to be about $45,000 per hour just from traders.

 As it is now we already have massess of caps on the server and it keeps steadily increasing. Theres no need for any more recycling of caps.
Title: Re: Does interest rate work?
Post by: Aricvomit on June 18, 2010, 12:11:39 pm
the only people its increasing for are the people that horde 2 million caps because they have everything they could ever need. when theres nothing left to buy they just horde the caps. what im saying is stop the refreshing and make it so the money in the wasteland circulates like it should. people only hoard stuff when its so scarce that you need too. its already been stated by other players they clear out all the merchants, vederas himself claims to make over 40k in an hour, maybe thats where all the caps go.
Title: Re: Does interest rate work?
Post by: Solar on June 18, 2010, 12:20:29 pm
Quote
people that horde 2 million caps

Quote
people only hoard stuff when its so scarce that you need too

*Head Explodes*

You need 9k caps to get a profession, you need about 10k caps each for a base. Unless everyone is a Charisma build and NEED! their mercs (which they aren't) then there is no great need for caps.
Title: Re: Does interest rate work?
Post by: Aricvomit on June 18, 2010, 12:25:10 pm
the people that hoard the 2 million caps are mostly pvp squads that get all their loot from pvp and sell it, while at the same time doing town control. after they buy their bunker what good are caps to them? oh and its much easier to sell stuff in northern towns when all you do is sit their with your full complement of town mercs and kill everyone that comes into town and then sell their stuff, hence increasing their supply even further.
Title: Re: Does interest rate work?
Post by: Solar on June 18, 2010, 12:32:19 pm
Well, everyone has an equal chance of getting the caps. From the stats that show what Traders are buying/selling its mostly stuff from encounters thats being sold, or ammo thats crafted and then sold.

You actually have $45,000 caps generated by traders and another $22,500 used to buy things from traders (which are then avaialble for people to trade for in turn) - So its more like $67,500 thats available from traders.



The only thing that would stop hording (or at least curtail it a little) would be inflation ...
Title: Re: Does interest rate work?
Post by: Aricvomit on June 18, 2010, 12:41:53 pm
look the best way for me to put this is your punishing every casual player, while i know this game doesnt really mesh with the casual crowd its incredibly frustrating to spend an hour travelling the entire wasteland only to find nothing, not all of us can sit for hours and wait for a refresh, while these caps may be coming into the wasteland i would have to assume they only stay in that merchant for up to 10 mins till ONE person comes and cleans them out. 
I think most everyone except for you guys seems to think the system is incredibly flawed, this has been evidenced multiple times, all you have in front of you are stats and numbers, where as i have hours ive poured into this game only to find i was wasting my time in a pointless wild goose chase trying to find one merchant with caps that would buy my guns, maybe if you posted at what time these people regenerated for everyone to see it would be fair, unless its random im sure people have already figured it out and have been abusing it. if it was random maybe it wouldnt be so bad, but until then its an excercise in futility. remember games are supposed to be fun, im not saying make it easy but just make it fun.

and let me clarify solar, im not trying to troll you. i would genuinely like to understand your thinking on this matter as i do not understand it myself.
Title: Re: Does interest rate work?
Post by: Solar on June 18, 2010, 01:04:06 pm
It happens randomly, any time from 3 to 6 hours after the last one. Its all a matter of (real life) luck
Title: Re: Does interest rate work?
Post by: gordulan on June 18, 2010, 03:56:14 pm
and they didn't find the coins, NCR minted them and backed them, The Hub backed the bottle cap as a currency until NCR made a minting press and started spewing out coins.