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Re: A new addition to the economy: Banks.

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cakelovespie is not online. cakelovespie
Joined: 17 Oct 2009
Total Posts: 22527
13 Jun 2013 01:22 PM
I have previously posted this, but much needs to be added (http://www.roblox.com/Forum/ShowPost.aspx?PostID=101109484).

There is a new tab under money labeled "Bank." Once the feature comes out, if it does, no one has a bank account. You must purchase one, for free, once it comes out. In your bank account, you can put ROBUX and TIX in. If you choose to, you may buy a safety deposit box for 100 ROBUX, or perhaps 200-300 TIX. The Safety Deposit box would store limiteds in case of hacking.

The bank account itself could be accessible by many accounts through the use of a PIN code, 4-10 digits long. If you think you might get banned, you could put your limiteds and currency in the bank and take it out on an alt by entering the PIN.

The interest would be a max of 3.5%, for ROBUX, but may be lower. If you have 1000 ROBUX in the bank, you would earn 35 ROBUX. The interest would be a max of 10%, for TIX, but may be lower. If you have 1000 TIX in the bank, you earn 100 TIX.

Loans (http://www.roblox.com/Forum/ShowPost.aspx?PostID=101102043):

The bank would also be able to give out small loans, to BC only (sorry), which would take away from your daily ROBUX until you pay it all back.
There would be a limit as to how much you can take out a day.
The loan would earn interest of, how about... 15-20%?
If the loan is 100, you have to pay back 150-200.

Safety Deposit box:

Holds limiteds for you, as a real safety deposit box does except with valuable possessions.
Maybe can even hold normal hats for you.
If you do put a limited in, it can not be part of a trade.

If you have any suggestions as to what should be added, please post it below, or PM me and I will add it.

NOTE: Even NBC should be able to store their limiteds (if they buy the box) and ROBUX in the bank, but perhaps less interest with ROBUX. They would earn the same interest with TIX though.

[The First Everlasting Emperor; VAC Level Four; Cake - Exterminate! Exterminate!]
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93599 is not online. 93599
Joined: 20 Mar 2010
Total Posts: 13057
13 Jun 2013 01:25 PM
Support.

One question. How often is interest?
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pepper0 is not online. pepper0
Joined: 01 Sep 2007
Total Posts: 12032
13 Jun 2013 01:26 PM
Support.


But what if there is a 'bank crisis' like that in 2008.

Bad loans resulting in a market bubble and then a run on the bank.


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music2016 is not online. music2016
Joined: 04 Jan 2012
Total Posts: 998
13 Jun 2013 01:26 PM
I also support.
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xSanctum is not online. xSanctum
Joined: 09 May 2013
Total Posts: 6115
13 Jun 2013 01:28 PM
Support. Should be a free thing for NBC+BC. None have to pay, but every week you need to pay 10tix.
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pepper0 is not online. pepper0
Joined: 01 Sep 2007
Total Posts: 12032
13 Jun 2013 01:28 PM
On the other hand, this could be an opportunity to teach people the importance of wise decisions and risk taking.
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93599 is not online. 93599
Joined: 20 Mar 2010
Total Posts: 13057
13 Jun 2013 01:29 PM
^^
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kingmatt2 is not online. kingmatt2
Joined: 20 Aug 2011
Total Posts: 6494
13 Jun 2013 01:30 PM
Support. Also ad giving ROBUX such as when you are selling something and you make a deal with them to buy it for lower. But instend of lowing the price and getting someone able to steal it you would just give them the diffrence. Like when you are selling an exspensive VIP shirt and what not.
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Sancuu is not online. Sancuu
Joined: 30 Dec 2012
Total Posts: 17042
13 Jun 2013 01:33 PM
Support.

NBC should just only get 5% of the amount of money they have in the bank.

(Otherwise; no reason of having BC, TBC or OBC for the bank?)
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lushangel123 is not online. lushangel123
Joined: 15 Mar 2011
Total Posts: 587
13 Jun 2013 01:50 PM
Support but like 95399 said how often?
If its days everyone will get lots of cash very often (At least the OBC'ers will...) , but if its weekly or monthly I think the economy will do just fine.
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xSanctum is not online. xSanctum
Joined: 09 May 2013
Total Posts: 6115
13 Jun 2013 01:52 PM
Everyone should be allowed to use the bank. Some days you get more money than others and you should get to collect 1tix for free aswell.
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cakelovespie is not online. cakelovespie
Joined: 17 Oct 2009
Total Posts: 22527
13 Jun 2013 01:56 PM
Maybe the interest should be every 5 days to a week.

[The First Everlasting Emperor; VAC Level Four; Cake - Exterminate! Exterminate!]
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cakelovespie is not online. cakelovespie
Joined: 17 Oct 2009
Total Posts: 22527
13 Jun 2013 02:04 PM
bump

[The First Everlasting Emperor; VAC Level Four; Cake - Exterminate! Exterminate!]
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177117 is not online. 177117
Joined: 17 May 2010
Total Posts: 1366
13 Jun 2013 02:30 PM
Great idea! Support!
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Catzilla99 is not online. Catzilla99
Joined: 15 May 2011
Total Posts: 32175
13 Jun 2013 02:32 PM
The problem with interest, let's say you quit Roblox for, say, a year. You put 10,000 Tix in (An easy feat for a BCer) and all of the sudden you're rich when you come back.
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pepper0 is not online. pepper0
Joined: 01 Sep 2007
Total Posts: 12032
13 Jun 2013 02:34 PM
Yup.

Benjamin Franklin put a hundred dollars in a bank before he died. He he was alive today, he would be a very rich man.
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pepper0 is not online. pepper0
Joined: 01 Sep 2007
Total Posts: 12032
13 Jun 2013 02:35 PM
*if he
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zapermunz is not online. zapermunz
Joined: 19 Nov 2009
Total Posts: 599
13 Jun 2013 02:35 PM
I support.

-ZZ
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seanisawesome14 is not online. seanisawesome14
Joined: 16 Jun 2011
Total Posts: 9222
13 Jun 2013 04:31 PM
Support.
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mothernoob is not online. mothernoob
Joined: 29 Aug 2009
Total Posts: 660
13 Jun 2013 04:36 PM
Support

Can help grade 7s and up how to properly function in the world and not make the same mistakes IRL.
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skrall2 is not online. skrall2
Joined: 13 Jan 2009
Total Posts: 2333
13 Jun 2013 05:05 PM
A loan should only be up to 500 robux though and if you can't pay it back (within a month lets say) you should have a 1 day ban or something also support
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cakelovespie is not online. cakelovespie
Joined: 17 Oct 2009
Total Posts: 22527
13 Jun 2013 06:10 PM
bump

[The First Everlasting Emperor; VAC Level Four; Cake - Exterminate! Exterminate!]
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HeyBanditoz is not online. HeyBanditoz
Joined: 13 May 2013
Total Posts: 41
13 Jun 2013 06:17 PM
Support.
If it acts like savings, maybe to activate your account you have to leave 100 tix or something. Maybe you should add interest. With every 100 tix in your account you get a free tix everyday or something. You should deposit tix and robux too. I really like the idea.
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comet28 is not online. comet28
Joined: 25 Jul 2011
Total Posts: 1692
13 Jun 2013 06:20 PM
Support with what skrall said.

-I am the Grammar Police!-
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acebatonfan is not online. acebatonfan
Joined: 13 Jul 2008
Total Posts: 6031
13 Jun 2013 06:29 PM
I support, though ROBLOX could also promote upgrading to BC by changing the interest rates and adding a cap on the amount in the bank, such as:
NBC can only put in up to 10,000 R$ and earn only 5% interest bi-weekly.
BC can only put in up to 100,000 R$ and earn 12% interest bi-weekly.
TBC can only put in up to 500,000 R$ and earn 18% interest bi-weekly.
OBC can put in up to 1,000,000 R$ and earn 25% interest bi-weekly.
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