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Re: An addition to the economy: Banking System.

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cakelovespie is not online. cakelovespie
Joined: 17 Oct 2009
Total Posts: 22527
04 Jul 2013 06:02 PM
TL;DR at bottom
I literally followed what the forum on how to right a suggestion in notepad, then copy and pasted it, this time. (http://www.roblox.com/Forum/ShowPost.aspx?PostID=73566197)

Point:
A banking system that allows you to store ROBUX and TIX and earn interest on them.
Interest rate is based off how good the economy is doing, from less than 1% to 7%-10% interest.
Interest would be given every day or every other day.
You can buy a safety deposit box to store limiteds that you do not wish to trade.
The safety deposit box would cost 100 ROBUX or 200-300 TIX.
NBC may store their limiteds in the safety deposit box aswell if they buy the box.
The bank may give you loans if you're BC (Sorry, but the idea for loans wouldn't work with NBC.)
You cannot take a loan of more than 500-600 ROBUX.
A portion of your daily ROBUX will be taken away until it equals how much you were loaned.
The interest on loans would be 10%-20%.
Perhaps a loan can be bigger, but it has to be approved by a moderator.
The money with a bigger loan has to be part of a large scale project that needs funding.

The bank would be protected by a 4-10 digit Pass Code.
You Pass could either be:
A) Randomly Generated
B) Chosen by the user.
The Pass would help protect your money in the bank incase of being hacked, which would be helpful to make it different than the pass to your ROBLOX account.


Evidence:
This would help users saying in the comments of hats: "AWWWH! I just spent all my money and don't have enough for this!"
It would cut down on spam from users in the messaging system, and comments, by users not needing donations if they use the bank.
I, myself, have found myself in a spot, such as now, where I need just a little more money to get an item I want.
With the bank, it can cut down on people just needing a little bit more money to get that item they want that's limited or going offsale soon.

Anaylsis:
Pros:
Stimulate the economy of ROBLOX.
Reduce the number of "donations" people give.
Able to make items cost more robux.
Can help people with great games advertise them.
Can help people with groups fund them.
Cons:
Seems like too easy of a way to get money.
Can be 'overpowered' to get millions of robux. 


TL;DR- Read it. It's worth it.
Please post suggestions that could be added, and what you think.
There are some things that can easily be altered to what you guys think.
The loans idea I am thinking about getting rid of.

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cakelovespie is not online. cakelovespie
Joined: 17 Oct 2009
Total Posts: 22527
04 Jul 2013 06:03 PM
How to write*

And I should've moved on to posting and added sub headings, and a summary.

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cakelovespie is not online. cakelovespie
Joined: 17 Oct 2009
Total Posts: 22527
04 Jul 2013 06:09 PM
Butt. (Bring up this thread)

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catkingthe200 is not online. catkingthe200
Joined: 29 Nov 2011
Total Posts: 655
04 Jul 2013 06:17 PM
support
and i get why nbc cant have loans but i am more of a i use my money so i would not use loans
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cakelovespie is not online. cakelovespie
Joined: 17 Oct 2009
Total Posts: 22527
04 Jul 2013 06:29 PM
Forget to add in the Anaylsis that this could be hard to implement, though it could be done with hard work on it.

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cakelovespie is not online. cakelovespie
Joined: 17 Oct 2009
Total Posts: 22527
04 Jul 2013 11:54 PM
Butt.

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norchwain45 is not online. norchwain45
Joined: 12 Mar 2008
Total Posts: 4895
05 Jul 2013 12:25 AM
I like some of the idea, although...

-Why would you need a code for your bank? Can't it just be attached to your account?

-Putting money in storage is really just like an extra login bonus, right? It gets interest, and no matter what the rate is, wouldn't you always be getting more cash?

I do like the idea of loans though. It seems fair enough.
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cakelovespie is not online. cakelovespie
Joined: 17 Oct 2009
Total Posts: 22527
05 Jul 2013 12:33 AM
"-Why would you need a code for your bank? Can't it just be attached to your account?"

That is one of the things that could be changed.
It's just a 'safety net' if you will for if you get hacked.

"-Putting money in storage is really just like an extra login bonus, right? It gets interest, and no matter what the rate is, wouldn't you always be getting more cash?"

Yes.
No matter what, you're earning money, even if it is a tiny bit.
You could go from 1 ROBUX to Over 100k by using it right.

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Robloxian1092 is not online. Robloxian1092
Joined: 12 Feb 2011
Total Posts: 635
05 Jul 2013 12:54 AM
One.Of.The.BEST.SUGGESTIONS.ON.S.&.I

100% Support!
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ImOutOfMana is not online. ImOutOfMana
Joined: 14 Nov 2012
Total Posts: 5672
05 Jul 2013 01:07 AM
Support, however loans should not be taken if you are running out of BC because it won't be paid back.
Either that or remove the tix daily bonus to get it up to the price (1 R$ per day? That's take a long time for a 400 R$ loan..)

JIMMY GOT GANKED OUTSIDE!
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cakelovespie is not online. cakelovespie
Joined: 17 Oct 2009
Total Posts: 22527
05 Jul 2013 10:00 AM
Maybe you can only take out a loan if your BC will last long enough to pay it back.

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gordonrox24 is not online. gordonrox24
Joined: 05 Jan 2008
Total Posts: 39141
05 Jul 2013 10:03 AM
I really like it. I think one day if we do expand the economy this could be a very good template. Thanks for the ideas.
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LukayLovesCookies is not online. LukayLovesCookies
Joined: 31 Mar 2012
Total Posts: 244
05 Jul 2013 10:09 AM
Support. Great idea.
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cakelovespie is not online. cakelovespie
Joined: 17 Oct 2009
Total Posts: 22527
05 Jul 2013 12:43 PM
:o Gordon Replied :o

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MagiclyEvilFox is not online. MagiclyEvilFox
Joined: 12 Sep 2011
Total Posts: 236
05 Jul 2013 12:56 PM
Support. I like this idea, but how about a limit of how much robux can be in the bank? That way you can't put a ton in and get too much interest.
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ISeeYourPost is not online. ISeeYourPost
Joined: 10 Jun 2013
Total Posts: 1815
05 Jul 2013 12:57 PM
Support. I like it.

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SN1P3R3D is not online. SN1P3R3D
Joined: 10 Nov 2011
Total Posts: 30891
05 Jul 2013 01:02 PM
I got a good one

http://www.roblox.com/BEAR-item?id=96866902
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SN1P3R3D is not online. SN1P3R3D
Joined: 10 Nov 2011
Total Posts: 30891
05 Jul 2013 01:05 PM
Nah I'm just kidding


http://www.roblox.com/TF2-Spy-Approves-item?id=66867936
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BuilderDanne is not online. BuilderDanne
Joined: 14 Feb 2012
Total Posts: 226
05 Jul 2013 01:14 PM
ONE OF THE BEST IDEA EVAR! No kidding, this is a very very very good idea. 3 supports!
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aknightgrunt is not online. aknightgrunt
Joined: 28 Mar 2010
Total Posts: 610
05 Jul 2013 01:15 PM
Well the loan system could be misused for money income.
There would have to be a interest rate for this and no more loans untill you pay off that loan kinda deal.

So lets say you borrowed 500 Robux. you have to pay a interest of 25% more when you pay it back so you'd have to pay 625 ROBUX or something, maybe 10%?

Not sure but, Support!
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cakelovespie is not online. cakelovespie
Joined: 17 Oct 2009
Total Posts: 22527
05 Jul 2013 08:18 PM
Maybe you can only take out a loan of 500 ROBUX max.
You can only take a loan out once a week or every two weeks.

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cakelovespie is not online. cakelovespie
Joined: 17 Oct 2009
Total Posts: 22527
05 Jul 2013 09:02 PM
butt

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LukayLovesCookies is not online. LukayLovesCookies
Joined: 31 Mar 2012
Total Posts: 244
05 Jul 2013 10:20 PM
Good idea.

"For every minute you are sad, you lose sixty seconds of happiness."
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Tingletron2000 is not online. Tingletron2000
Joined: 12 Jul 2011
Total Posts: 6775
05 Jul 2013 10:39 PM
I think this idea is really cool! I totally support this idea, but of course there'll be a bunch of noobs saying this is a WNTS. But then, isn't everything?
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cakelovespie is not online. cakelovespie
Joined: 17 Oct 2009
Total Posts: 22527
05 Jul 2013 10:41 PM
Tingle, on one of the early versions of this idea I made, someone was like "WNTS".
I asked him how.

He stopped posting on the thread.

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