Curse

EagleEye33 · Jul 12, 2006, 12:31 AM // 00:31

10-20k can still get you going you may not be able to get a high price green but you can still get collectors item and make it yourself. Most green items can be made, they are just fluff, something for people with money to spend it on.
And if you dont pay back a loan and it takes somehting back what exactly will it take back, what if you recently get something and have a bunch of other stuff and dont want that specific item to be taken.
I may not understand the whole procedure but i dont think its a great idea.
besides those whiners need to get off there @$$ and do something the reason why these things get high priced now is because its not that hard to get money. I get like 1k at least when doing a mission, selling crap to merchant. I dont see why theres so much trouble. Loans should be aquired from FRIENDS and/or GUILD MEMBERS. Or maybe alliance members

Alleji · Jul 12, 2006, 05:14 AM // 05:14

/not signed

Completely unnecessary. There's about 50 other trade improvements that anet could spent their time on instead of this.

gamecube187 · Jul 12, 2006, 05:42 AM // 05:42

Quote:

Originally Posted by Alleji

/not signed

Completely unnecessary. There's about 50 other trade improvements that anet could spent their time on instead of this.

This would probably, somehow end up completly messing up the whole GW economy, because players would get big loans, buy something, and then get another loan to make up for the negative money and/or buy something else, and keep doing this untill they have everything they could possibly want. Thats just 1 way it could mess up the economy, and I bet there woudl be many other ways to mess up the economy with this too.

Also, like Alleji said, there are a lot of other improve ments, taht would probably be better than this and possibly easier to make too.

/not signed

Thargor · Jul 12, 2006, 05:49 AM // 05:49

Here are a couple of tips.
1. Quit running thru the game and you will find you actually make some decent cash.

2. Nothing in the game that you MUST have costs more than 1.5K + some crafting materials (and you may find some people that say max armor isn't even required.)

The big problem here is that everyone thinks they NEED 15K armor and gold perfect rare skin weapons. I had no problem getting thru both prophicies and factions with a character with max armor (not 15K), a purple NOT max damage weapon, and only 2 minor runes and a major vigor. This was also all PUG's, no help from guildies! Learn to play the game and after awhile money really starts to mean nothing, and once that happens you will realize that you have a fair bit o coin stashed away and you can afford that rare skin max gold item that you WANT, not NEED!

So I take out a loan, have an empty storage and inventory (except armor and my weapons of course) and i dont have enough to repay the loan. So i log in to find my armor and weapons are gone and I still owe the loan guy 150K, I don't think so!

/UNSIGNED

Thallandor · Jul 12, 2006, 07:14 AM // 07:14

/not signed

nice idea but too prone to expliots

**Marty Silverblade** · Jul 12, 2006, 07:21 AM // 07:21

Quote:

Originally Posted by Sjeng

I didn't get that last part... loaned 500k and given it to person 2??

No, I meant that Player 1 loaned 500k, bought lots of good things (ectos, candy canes, etc), then showed Player 2. Player 2 thought that it was a rich account, and it was being sold for 30k. So Player 2 didn't know there was a huge debt and he would have lost a total of about 550k, while Player 1 made 30k and a bad name for himself.

Hope that clears it up.

Age · Jul 12, 2006, 08:17 PM // 20:17

They just need to but more Gs in the game as I am not even that close to getting 1 set of 15k for 1 of my char and I have been playing since release of April 27th preorder 2005 as I started in Fed 05 in beta.

unholy guardian · Jul 12, 2006, 08:25 PM // 20:25

if you are really poor you can get a set of max armor from collectors.

Still loan thing is bad, if you get a couple copies of the game you could simply get loans, get rid of that account. I mean you would like be your own ebay, and ebay buying gold is bad mmkk

Seissor · Jul 13, 2006, 02:43 PM // 14:43

Ahh ppl and loans, and their silly little credit cards.

get out of the habbit of being a debtor.

Ppl with multiple accounts could bounce their debt around and exploit such a thing.

Its an okayish idea, but I personally dont see the need. Need money, go make it, farm, redo missions, run ppl etc.

rong626 · Jul 14, 2006, 09:48 AM // 09:48

i still think its good and i will not give up having this set up in GuildWars factions only

!!!nexus!!! · Jul 14, 2006, 01:45 PM // 13:45

Quote:

Originally Posted by rong626

Platium and gold is what makes the GuildWars Ecomny going.But some of us lack money!In some outposts i go,i see people begging for money or scamming cheap weapons and selling them for high prices...like a victos 10/10 axe which was sold to a guy for 35k when a 20/20 was released!I suggest placing NPC's in Cities which act as bank loaners.They can also act as NPC's who store unlimited cash unlike the storage.You see,i myself dun really have much money only bout 10-20k which is obviously not enough!These loaners which u can loan money from them...lets say a range from 1K-90k???Then u have a deadline of 2 weeks to pay back or the amount u loaned will be automatically deducted from ur inventory.....

Example:

Current Cash:60K
Loaned:20K

After 2 weeks didnt repay loan....
Spent on something worth 80k

Current Cash:0K
Deduct:20K
Left:-20K

So that what happens if u dun repay after the 2 weeks deadline.So the guy will have to either sell items to get back to 1K instead of negative.And he wont be able to loan anymore from the loaners coz they dun trust him anymore!

This is the smartest thread i have ever seen...you cannot earn money so if you recieve loaned money you will be able to pay areanet back because you you were given the money and then spent it? But when you spend it how will you pay them back because if you need to loan money you obviously do not have a good self-economy going. And if you cannot earn money soon you will have -100k????lol? so when you get 69 gold to drop it will say -99,931 gold in your inventory? Then you will make it -93k by the end of the week and suddenly 20k is added and u owe -113k...GREAT IDEA /SIGNED

Gorebrex · Jul 14, 2006, 02:44 PM // 14:44

Dont normally quote myself, but I thought I had a pretty good idea.

Quote:

Originally Posted by Gorebrex

Im thinking maybe there could be an item, sort of like a no-interest CD(Certificate of Deposit) that you could buy, for example, in amounts of 5k, 10k, 25k, 50k, 75k, 100k. This would be a single item(not an "stacked" item), and placeable in inventory. It woul be similar to customized items in that only the original buyer could use it, and could be "sold" to a merchant outright, or used, in whole of part, to pay for an item. How about trades with other players? Well, if you have one of these, you go to the Monetary Token Merchant(Couldnt think of better name), and select from menu Buy a Token, Sell a Token, Exchange a Token, Player to Player Trade. Last one, you'd turn in token, give amount of token to use(if not exact, say 1k token for 900g item, the 100 goes into inventory), then click confirm, if amount is correct. Its alot like trade is now, in the other respects, youd see items as theyre offered, can change offer before confirming, ect, with the exception that youd have to confirm acceptance, to give players a chance to correct mistakes like entering 50g instead of 500, or realizing they offered wrong item(if two very similar in inventory). Just my 2 cents.

Thoughts?

ZonerZ · Jul 14, 2006, 08:17 PM // 20:17

just a new way for people to figure out how to cheat more efficiently

Im Perfect U Aint · Jul 15, 2006, 02:15 AM // 02:15

hmmm i didnt read all the posts would take to long and im lazy....but wat about this....maybe have the npc u loan from b allowed to take sumthing from u..like it automatically disapears if u dont pay bak in period of time....like ur gh if u own a guild...or w/e item u were trying to get and then he would give bak once u payed off debt

rong626 · Jul 16, 2006, 08:31 AM // 08:31

Signed

Priest Of Sin · Jul 16, 2006, 12:31 PM // 12:31

Horrid idea. But i have a piece of advice for you:

Be wary of the rich and successful, they do not seek company.

rong626 · Jul 17, 2006, 07:30 AM // 07:30

they do

Mackattack · Jul 17, 2006, 07:35 AM // 07:35

Stupid Idea... Earn your money before you spend it.

Dj Tano · Jul 17, 2006, 08:12 AM // 08:12

Doesnt fit the guild wars money-dont-make-people concept...

/NOT SIGNED

Franco · Aug 27, 2006, 09:11 PM // 21:11

.... What the ? , Loans ? We already have the Buying and Selling Economy ( for those that dont know, people that spend days in towns spamming WTS and WTB, just to make 5k profit on a item that they bought, for example:

Player 1: WTS SWORD !! 1K
Player 2: I buy,

Player 2: WTS SWORD!! 2K

Thats already a horrible waste of time that people spend trying to get some gold just to get whatever, then they get a perfect weapon and go around calling other people noobs, saying look i got this u dont .

There is very easy ways to earn money in this game and some of them is that, then theres farming, then theres chest hunting and lets not forget, play the game , misssions and quests and you ll find yourself with atleast 20k with just questing and missioning all day

.

Loans = Bad in real life because of taxes and the extra % you have to pay and Bad = In guildwars because everyone would get a Loan, everyone would have a great weapon, then those great weapons would be worth NOTHING, and then no one could pay back the loan and they wouldnt want those weapons anymore because they werent "cool" anymore.