[AL Plugin] Universal Banking "The Financial Revolution Continues" v502 26-01-11

[KurienKnightheart]

"Interest, which is really low and not worth not touching your money for an entire hour(unless you have money you weren't going to touch anyway)."

Are you joking? That 2.2% interest is accumulative and god damn too much per hour in my opinion.

The Maximum amount of revenue produced per complex under highest sell price conditions is roughly 2.8-3.2% and 1.9-2% respecitvely at average price of the entire cost to build the Complex

This means it takes on average 30 at highest sell price and 51 hours at average sell price before the complex can make enough credits to cover the original construction cost.

In comparison that 2.2% interest rate from the bank will accumulate, in 30 hours reach 195% and in 51 hours reach 309% of the original cost.

What does this mean ? From the data above, before reaching 600-700 million banking is rather useless as those 100m credits are really useful in building managing and upgrading your complex's however once your total account pasts that checkpoint you will no longer be able to "upgrade" your complexes in order to gain more revenue faster than the accumulative 2.2% interest/hr of your total account.

[mark_a_condren]

so if I turn off 'auto transfer' does this mean that my station would transfer into my back account instead of my player account?

The reason for turning off 'auto transfer" if you are using the script to manage your stations account is that you shouldn't have 2 different scripts doing the same thing at the same time to the same station. The problems you could end up with are not good. Also, if you are playing TC and you use the "sell station" option with "auto transfer" on, then you will break your game possibly. This problem was corrected in AP with a rewrite of the std "auto transfer" script.


@ KurienKnightheart

Which version of the game are you using, TC or AP?

(There are arguments for and against the interest being to high, dependent on your game style and playing preferences)



Sorry for late or delayed replies everyone, RL has been a real pain in the neck lately.



MarCon

[Idea]

Hey Mark

Can you tell me what should I alter in your script to make interest rate smaller like 0,5% if that is possible, if not then 1% only.I have a habit to leave game running for hours soo when I get back I see hundred of milions of credits.I could risk and invest in stock exchange but I have a felling I play with your money, you know what I mean
I asume that the plugin.mc.bank.interest.updater is the script I should alter?

Cheers

[mark_a_condren]

Hey Idea,

Yep you have the correct script to change. Been a while since i looked at UB and had to do some investigating and head scratching, but i "think" if you do the following you should get 1% interest ... The 1% should be locked no matter how many cr you get in any of the accounts.

comment out the following lines

Code: Select all

071   $New.Int.value = ( $Total.Player.cr / 100000000 ) + 20
072   
073   if $New.Int.value > 40
074   |$New.Int.value = 40
075   end

and insert,

Code: Select all

076   $New.Int.value = 10

NOTE, you can't get 0.5% using the current script code without some other more radical changes as it wont accept 05 as an input number.

The script needs 2 digits, eg, 10 or 20 etc to use for the calcs, (ie if $New.Int.value = 23) would get you 2.3% interest.

Hope this helps.


MarCon

[Idea]

Worked like a charm

Thanks Mark

[thecrazing]

For anyone else coming to this thread because of the compounding interest, I ran into the same issue, and decided to go about it the other way.

In the same script file is time remaining, with 3600 - (something about time played - something else about time played).

I switched it from 3600 (once an hour) to 86400 (once a day). The time formatting has already been handled by Mark, no weirdness will appear.

[mark_a_condren]

@ thecrazing

Nice spot and good idea.

So for those who wish to make some script changes. As shown before on the previous page, and again below, you can do the following to make some percentages paid changes. Then you can also make the time between payment different as described by thecrazing.

All changes are in the script file 'plugin.mc.bank.interest.updater'

PERCENTAGE PAID:

Comment out these lines,

Code: Select all

071   $New.Int.value = ( $Total.Player.cr / 100000000 ) + 20
072   
073   if $New.Int.value > 40
074   |$New.Int.value = 40
075   end

and insert,

Code: Select all

076   $New.Int.value = 10

NOTE, you can't get 0.5% using the current script code without some other more radical changes as it wont accept 05 as an input number.

The script needs 2 digits, eg, 10 or 20 etc to use for the calcs, (ie if $New.Int.value = 23) would get you 2.3% interest.

TIME BETWEEN PAYMENTS:

Code: Select all

111   ||$time.remaining = 3600 - ( $Playing.time - $Acc.Playing.Time )

Change 3600 to 86400 to make payments daily instead of hourly.


So, by using a combination of these two changes and choosing numbers that suit you, you will be able to tailor things quite a bit. If you want payments made every two hours, then just change 3600 to 7200, and so on.


Hope this helps anyone who feels they need it. Sorry, still no time to do an update to the script to incorporate any and all changes.


MarCon

[thecrazing]

Hey, there's a line in the interest payment that's multiplying payments by 10. It seems like it's doing some sort of comparison to some average. It was a little game breaking, and I had to disable the interest payments until I could figure it out. I've removed the *10, but now I'm wondering, what other thing did I unintentionally break? What was average check, *10 trying to account for?

[mark_a_condren]

@ thecrazing

There is a lot of comparing of current values to previous value all through the script, exactly where you are talking about is a bit vague. So any "predictions on what else you broke" by making changes would only be guess work.

The reason there are instances of X 10 in places is so when the prev values are being compared to updated values they are the same base value. As the script engine cant handle decimal points a value of 1.2% needs to be multiplied by 10 to make the number (value) now 12 (1.2 x 10 = 12). Comparisons are then made and the new value then divided by 10 again so a decimal value can then be displayed. Damn i hope that makes sense to you.

I would suggest that if you don't like the interest aspect then turn it off. Messing with the code is a recipe for disaster unless you want to spend a lot of time and make the changes correctly. I know i'm in no hurry to fry any more brain cells messing with THAT code again .

MarCon

[bluenog143]

Thanks Mark, this is a very useful script!

[peppy tails]

i would like to request the ability to set a goal onto the current accounts a player has. example? i have an account to buy a valhalla, so i wish to set a "goal" on the account so itll save up that amount. i want cash to go into it automatically from overflow and for it to stop at the point of the goal could be really useful so you can get an exact amount of what you need.

[peppy tails]

plugin manager lite states this is for tc 2.5 only, is there a version available for x3ap? maybe i dl the wrong thing but hey still gonna ask ^_^

thanks very much,
-pep

[mark_a_condren]

@ peppy tails

First, sorry for the late reply to your Nov 11 post, hadn't seen it until your latest post

As to your request for account limit control. I can see the benefits of what you are asking for, but unfortunately its not an easy add, it would have to be incorporated into quite a few of the script files and unfortunately I don't have the time for that at the moment. But, I will keep it in mind for any future updates if they occur.

The current version of Universal Banking should run fine with AP, however Plugin Manager may complain that it is for TC 2.5 only and not let you install it. If this happens then i would suggest getting the ZIP version and install that one manually, that will overcome the Plugin Manager problem. Sorry for any inconvenience.


MarCon

[peppy tails]

thank you kindly for thinking on my earlier post

as for the zip version, i'm just happy to have it as an option ^_^ as i love the mod.

thanks for your time,
-pep

[Sylevar]

Edit #3: Ok, got it working for AP and now I'm wondering if anyone's had any problem with this and XRM in terms of compatibility?

[Sylevar]

Hey,

My wife just found a MAJOR bug in the system.

If you, when depositing, enter in the amount

9999999 (when you clearly don't have that much)

and then, on the next screen that pops up you hit the ESC key, it deposits the full 9999999! This should be addressed as it can, if allowed, unbalance the game significantly.

Thank you
-------------

Correction, it does this with ANY amount... :/

[Sylevar]

@ peppy tails

First, sorry for the late reply to your Nov 11 post, hadn't seen it until your latest post

As to your request for account limit control. I can see the benefits of what you are asking for, but unfortunately its not an easy add, it would have to be incorporated into quite a few of the script files and unfortunately I don't have the time for that at the moment. But, I will keep it in mind for any future updates if they occur.

The current version of Universal Banking should run fine with AP, however Plugin Manager may complain that it is for TC 2.5 only and not let you install it. If this happens then i would suggest getting the ZIP version and install that one manually, that will overcome the Plugin Manager problem. Sorry for any inconvenience.


MarCon

Actually, the .zip file can be loaded into the plugin manager as archive and it bypasses the TC error. Just so everyone else knows

[Bromy2004]

I've installed it for AP non-steam and it works fine.
However i'm getting re-occuring messages saying "Bank Loan Updater Shutdown: "
they occur every 5 seconds or so.

and Google hasn't heard of this before

-Nathan

[readinkma]

Just registered to ask about this script...
First of all this is a great script. however the interest part is absolutely a none-sense.... If loans can make 15%(or 5%) interest per hour and I can lend money to others, I would not build any factories at all: the most profitable self-running factory, which is the 1mj factory, merely makes a 5% ROI(Return on Investment). I find absolutely no reason to apply for loans, the only profitable case I can image is using loan to by M7M, which can repay such high interest by capturing and selling big ships.
But from previous posts, I know that you have no interest changing this part at all. So how can I change it by myself through script editor? I experienced for hours and changes several numbers, but they did not work. When I change the number greater than 10800, the repay time becomes unlimited. Could you assist me?

[VaporSnake]

I'm not sure if I'm missing something here, or I'm just not thinking straight.
But why does the mortgage ship/station option show a list of my own properties? If i'm taking out a mortgage loan, shouldn't it instead show a list of purchasable ships or stations?