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Do You Like my idea?
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Tema: Loan from GPRO |
36 odgovora
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hey guys , i am back again with my bad ideas. so right now i have got an idea... i think in GPRO their must be a "GPRO BANK" . This Bank should as we all know of course should have money, and we players should be allowed to take loan from it. The conditions would be :
1. Manager will be allowed to take loan only after the season starts. not at the end of any season 2. managers should pay back the money to the bank after the last race ( money maybe automatically deducted from their account)
3. interests on money taken maybe charged (of course not much) 4. the bank maybe common to everyone (means every group). 5. The maximum amount a manager can take a loan should be around 10-15 or 10-20 euros
what is the use? :
1. Managers who are in negative and need to upgrade their car parts may take loan and do the necessary things.
2. Managers who have positive balance but are low on money and need to improve any part will be also benefited.
3. their are many other ways in which a manager can get benefited.
4. If a manager is confident that he can make more money just by taking loan by updating parts or any such things, he can be benefited as he will have money in positive and he wont be constrained to take less risks and get no points , which will result in low money earning.
Their will be no benefit that any manager can spend a lot of money and still stay in good balance as at the end of season the same amount will be deducted from his account
by the way AND A HAPPY NEW YEAR TO ALL
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#2 objavljeno 1 Sij 2012, 06:31:24
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and i thought you were gonna greet us all a HAPPY APRIL FOOLS DAY. :P
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#3 objavljeno 1 Sij 2012, 06:36:42
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nay........management of your own funds is key..:)
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#4 objavljeno 1 Sij 2012, 06:38:01
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#5 objavljeno 1 Sij 2012, 06:39:16
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I am not too sure about it but I want to encourage you to bring new ideas. Keep it up.
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Quote ( Vinayak Nair @ January 1st 2012,06:12:24 )
1. Managers who are in negative and need to upgrade their car parts may take loan and do the necessary things.
2. Managers who have positive balance but are low on money and need to improve any part will be also benefited.
3. their are many other ways in which a manager can get benefited.
4. If a manager is confident that he can make more money just by taking loan by updating parts or any such things, he can be benefited as he will have money in positive and he wont be constrained to take less risks and get no points , which will result in low money earning.
all 4 of the benefits you put forth are basically destroyed by this...
Quote ( Vinayak Nair @ January 1st 2012,06:12:24 )
1. Manager will be allowed to take loan only after the season starts. not at the end of any season
I did vote yes though, because I do like the roots of the idea and believe that with a lot more financial thinking and forgeing it could be made into a real thing
My idea goes deep into a GPRO bank, and not so much for loans, but for overall GPRO finance affecting prices and stock markets and all that...
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#7 objavljeno 1 Sij 2012, 07:28:49
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Not a terrible idea but it has been discussed in the past. Vinayak, think of negative balance as a loan (because it is). The "bank" gives it to you assuming you can manage the funds and will give no more until you achieve a positive balance.
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Quote ( Andi Mankolli @ January 1st 2012,06:59:33 )
Not a terrible idea but it has been discussed in the past. Vinayak, think of negative balance as a loan (because it is). The "bank" gives it to you assuming you can manage the funds and will give no more until you achieve a positive balance. +1
The 'bank' does give you a 14,999,999 loan without any ill effects (apart from not being able to purchase new parts).
Edit: interest free loan as well!
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#9 objavljeno 1 Sij 2012, 09:51:07
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Quote ( Vinayak Nair @ January 1st 2012,06:12:24 )
The maximum amount a manager can take a loan should be around 10-15 or 10-20 euros
Not going to buy a lot of car parts with that :p
---
The idea is a bad one as the most important aspect (IMO) of this full game is money management. There is no need to make the financial side of the game easier by offering a loan facility.
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#10 objavljeno 1 Sij 2012, 09:56:42
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Quote ( Kevin Parkinson @ January 1st 2012,09:51:07 )
The idea is a bad one as the most important aspect (IMO) of this full game is money management. There is no need to make the financial side of the game easier by offering a loan facility.
Kevin it wont make it easy.. it will just give a chance .. as money would taken back later
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#11 objavljeno 1 Sij 2012, 10:03:19
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Quote ( Vinayak Nair @ January 1st 2012,09:56:42 )
Kevin it wont make it easy.. it will just give a chance .. as money would taken back later
Give a chance for what? For people to overspend during the season as they can just pay the money back later after they have received all the income from the season (race money, season standings money, point money).
If you can't manage your money just now, then using a loan probably isn't going to help you, as you will just end up not having the funds to pay it back at the end of the season. If you can manage your money now then there is no need for loans, and having them does make things easier and gives less of an edge to those that are very good at managing their cash.
But, as mentioned, this has been discussed, and given a definitive "no" to on several occasions. Any discussion should take place in the threads that are already open about the subject, but the answer won't be changing.
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#12 objavljeno 1 Sij 2012, 10:09:01
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Kevin that is what i said as soon as the last race gets over the money will be taken back from the manager .
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Quote ( Vinayak Nair @ January 1st 2012,10:09:01 )
Kevin that is what i said as soon as the last race gets over the money will be taken back from the manager . Quote ( Kevin Parkinson @ January 1st 2012,10:03:19 )
Give a chance for what? For people to overspend during the season as they can just pay the money back later after they have received all the income from the season (race money, season standings money, point money).
Even if it is before season standing money, you still have your full race income for the full season to pay back the loan. Trust me, that makes managing your money for the season much easier, especially at the higher levels where money is much tighter.
What happens if you are already in negative when you need to pay the loan back? People would abuse the system and get false positions in their group.
The game does not need a loan system implemented. If you want all the reasons then look for them as I'm not repeating them all again here :p
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#14 objavljeno 1 Sij 2012, 10:14:26
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Lol Kevin am sorry for you that you are not getting what i am saying.
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#15 objavljeno 1 Sij 2012, 10:32:03
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I get exactly what you are saying. But never mind, you aren't understanding my point :/ lol
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#16 objavljeno 1 Sij 2012, 10:41:24
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lol i created this topic and i can see from your comments that what you interpreted it as :P
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#17 objavljeno 1 Sij 2012, 10:52:04 (zadnji uredio1 Sij 2012, 10:55:21 od Jon Day)
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Quote ( Vinayak Nair @ January 1st 2012,06:12:24 )
1. Managers who are in negative and need to upgrade their car parts may take loan and do the necessary things.
2. Managers who have positive balance but are low on money and need to improve any part will be also benefited If i was you i would start looking into why most managers retain a healthy balance and still update their car parts, and not worry about getting a loan because you cant keep your fingers of the "risk" buttons. :)
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#18 objavljeno 1 Sij 2012, 10:57:00
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i cant see how this could help people. myself before this season i struggled with my finance and would have jump at the chance. but now with alot of help with team mates i have stayed in positive all season and in the top 3 so why a loan idea it just a kick in the teeth for people who can manage there finance the right way. its hard but it can be done.plus you can give your self a massive pat on the back by saying i done that without any help. keep the idea flowing and happy new year to all
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#19 objavljeno 1 Sij 2012, 11:28:46
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...or we could just learn to manage our finances better...?
Credit is bad no matter what your choice of media outlet might tell you.
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#20 objavljeno 1 Sij 2012, 11:55:27
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Quote ( Michael Winkley @ January 1st 2012,11:28:46 )
Credit is bad but greed is good :P
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#21 objavljeno 1 Sij 2012, 12:04:35
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I actually like the idea. Not exactly as Vinayak proposed though.
I do not think loans should be available to help someone who has just gone into negative, this would in fact just change slightly what happens when you go into negative.
BUT, it would bring the leverage concept to the game. Every single enterprise in the capitalists markets can do that. You can run your business with your current funds or with current funds + loan thus getting farther faster if you know what you are doing.
The opposite is true as well, if you do not know you will get into the hole even faster.
With that in mind I would actually make interests very high, but if you are sure you can make good use of it.
And Michael I am sorry but I do not agree with you, credit is not bad, misusing credit is bad, using it wisely is the way to the riches.
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#22 objavljeno 1 Sij 2012, 12:18:36
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Quote ( Savio Viana @ January 1st 2012,12:04:35 )
using it wisely is the way to the riches.
You can also become rich without loans.. Like Michael said: Learn to manage your finances better. That's actually what the whole game (or at least the biggest part of it) is all about.
Loans will only get us bad things.
1. People take loans and pay a massive signing fee for a driver
2. People in negative take advantage of the loan and can still race with an updated car.
3. Those same people can race with an updated car, get a good result (or some good results), finish in the Top 10 and pay back the loan with the Top 10 money.
It would basically take away the whole effect of being low/being negative in money, because you could just get a loan and pay it back with some good results that you didn't deserve.
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#23 objavljeno 1 Sij 2012, 12:21:24
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Stefan is a socialist...trade union member IIRC, so capitalism is frowned upon. ;p
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#24 objavljeno 1 Sij 2012, 12:27:25
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#25 objavljeno 1 Sij 2012, 12:42:50
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Vinayak you are on the right path, How about team members to transfer money between members in their own team to help each other out and have their own agreements about paying the money back.
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#26 objavljeno 1 Sij 2012, 13:08:04
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How about just allow DAs to transfer money, Codey?
Any loans are just a silly idea. The whole point of the game is you need to manage your finances.
If people are dumb enough to get themselves into such debt that that need loans, who on earth thinks it would end up any other way than going bankrupt?
Because if you bring loans in, you've got to have stringent penalties for not being able to pay the loans back.
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#27 objavljeno 1 Sij 2012, 13:09:41
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My job is to horde cash in amateur and distribute it where it is needed in my team. Breeding ground for DAs if you ask me.
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#28 objavljeno 1 Sij 2012, 13:12:24
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If people need to use it then they cannot manage their cash well enough. So no I do not like your idea. If people can't manage their finances, do not bring a tool in just for them. The majority can manage their money. Those who can't will just have to learn.
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Quote ( Martin Warnett @ January 1st 2012,13:08:04 )
How about just allow DAs to transfer money, Codey?Any loans are just a silly idea. The whole point of the game is you need to manage your finances.If people are dumb enough to get themselves into such debt that that need loans, who on earth thinks it would end up any other way than going bankrupt?Because if you bring loans in, you've got to have stringent penalties for not being able to pay the loans back.
Just a suggestion,but i see your point of money managment. no DA's,(DA's is not allowed, mos) only team members can transfer money and it should be a limited amount, lets say not more than 2 million(for rookie, higher groups use higher level parts wich cost more) and can only be done one time in a season and a manager should not be in ridiculous debt, or something like that just to get that critical part that is worn. But it is only a suggestion.
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#30 objavljeno 1 Sij 2012, 13:15:17
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Quote ( Vinayak Nair @ January 1st 2012,10:14:26 )
Lol Kevin am sorry for you that you are not getting what i am saying.
Lol am sorry for you that you've no real idea how to manage finances within the game thus want an artificial facility introduced to help you.
Looking at your profile
"i entered this game and although i like to read novels i dont like to read the rules and all that ... "
If there was ever a thread that deserved euthanasia.
TL;DR version.
Learn about a critical part of the game rather than wanting the game to change to benefit your feckless use of money.
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