World Bank Loans (Little Upsilon)

Given the extreme and off balance of loan interest and how much I can make versus how much I can lose, I have a problem when I look at some of my lesser countries that are taking loans.

Despite having more than 80 Trillion in offered loans for 2 real days I see an increasing amount of World Bank Loans. I thought World Bank Loans were only to be used in the absence of player offered loans.

I think this needs to be corrected immediately.

In the past year on Little Upsilon
Cash Changes - Year To Date
Cost of Financial Services -1,002,968.46M SC$
Note: It is only the month of May.

So in five game months I have been penalized more than 1 trillion dollars and obviously on track for more than 2 Trillion by year's end if these loans continue to sit waiting to go out, *behind* World Bank Loans.

The correlation of the cost of financial services versus the potential earnings is way way unrealistically off.

In just half a game year, I have already lost 1Trillion dollars. Do you know how long it will take me to make that back?

Profit & Loss - Expected Full Year
Interest on Outstanding Loans 342,756.25M SC$ 0.00M SC$

At that rate almost 3 game years. If I continue to lose at the current rate

I stand to lose 6-8 Trillion in that same 3 game year period.

I remember Treasurer getting upset about the cost and addition of financial services. I can see why now.

The cost of financial services has basically made my country break even for the last two real days. In fact, if my loans continue to accumulate without moving out, I will be moving in a negative direction. That is unacceptable.

Maybe the Financial Services cost needs to be adjusted, or a sweep feature that was asked for a while ago needs to be added.

This way I won't have 80 or 90 Trillion coming back to my account at once, and I wouldn't get charged that much penalty, and you can keep your stinky financial fees/features.

A player should be able to input a number between 20 to 50 Trillion before the game would automatically sweep the excess of that number into your direct account. If we can't do either or, I may start to cry/ and or start random nuking.

Now you agree with my sweep feature.

Pinch me someone, Wendy agrees with me on something.

recently, they made changes that cap'd the limit of loans, to 14T max received.

prior to that change, i was easily able to build up to 360T loans on KB, it is in fact what kept me on KB long enough to be interested in my upstart empire. but when the change went through, in a matter of days i lost over half of those loans, and of course tons of FF.

Financial fees were originally intended to reduce amount of offered loans. previously, with old interest rates, and the econ situation in C3s, led to a huge demand of loans, and many players were able to make cash pay outs on just loans given out. W3C wanted at the time, and seems to currently, want pay outs only for the most successful players. so they destroyed, the loan market, in a way that its still possible to make money from it, but not well enough to pay for the game.

its my understanding, that W3C felt it ridiculous, to simply offer 1Q of loans, and receive a monthly payout from them. and they are probably right.

but yea, when you get 120T loans back at one time, their should be some sort of built in safe guard against FF, atleast until you have a chance to log in and move some of the money out

How about making loans directly from your direct account? I'd like to see this added.

thats an interesting idea

Yeah, the loan market is ridiculous. At one point I loaned out 170T to only receive maybe 25B a month. As soon as a load comes back, I lose more than I have gained by virtue of Financial Services.

Perhaps the gamemaster is trying to push our loan dollars into public/private corporations.

Another possible solution is allowing private loans to exhaust and allowing gm to take a 10% cut, slashing loans to 20% and ONLY throwing loans out in the ABSENCE of private loans, which is what I though was supposed to be happening in the first place but apparently not.

i think the financial services should either be deposed or it should be redone when you hit the higher amounts of loans its unprofitable. It should be based on the amount of assets a country has. If your country is worth 100T a 14trillion cap is way to small. The cap for cash should be 50% of the total assets or something like that

Ok, because of the oddness with my government costs, I have been keeping close watch on all my countries.

I will now report some really annoying things. I've brought this up in the past and have been told that the server is secure.

At least three times now, in the countries that I noticed I had problems with government costs skyrocketing, I had reset the govt salaries to 100. I did this when I conquered them as they were too high for my liking to start with. I held those countries for at least a real month or so with no problem or noticeable cash losses or loans taken.

When I noticed the high cost vs incomes ratios a while back, I went to check the gov sals, lo and behold, they were reset to above 600 in at least 3 cases. I had reset them back to 100 thinking I must have forgot. this was almost 3 weeks to a month ago. I noticed after a week or so that the finances were not improving. I rechecked all the automation and they were fine so I did not look at sals but wondered wtfizzle was going on. So I start getting these notices to improve my finances a few days ago, knowing full well that after resetting the automation, Social security, and govt, salaries would and should have improved my situation. Instead, the countries were taking out more loans and faster than before. So I check again today, as I am still improving these countries.

Guess what, my govt slalries have a target of 579 or sumthing like that after I took them down to the 300's from 600+ target that popped up there magically the first time. Also my social security has been rest to 80 after I took it down to 30%.

I know for a fact that I reset all the automation salaries and social security in 3 countries that had massive loans and high governement costs for apaarently no reason. For the second time they have magically reset themselves AGAIN.

Now I don't have an explanation for what is going on, not even a theory, and certainly no proof that someone is diddling in my account, but whatever is going on, I want it to stop.

Things like this were happening before and I reported it and asked if the site was secure because it seemed someone was tinkering with my settings. I know some things reset after you don't log in for a while but wow. I didn't think it was that serious. Now I will say this. I hadn't logged into those countries for quite some time as I was busy, and not interested in doing worker exchanges only to have the worker adjustments force me to do it again. But if that is what happens when you don't log into a country, it needs to stop. Honestly I hope that is what happened and not that someone, somehow is messing with my account.

I hope after reporting this, that my settings will stop being altered, similar to the last time I reported something like this. Thank You.

Good thing you have the understanding that you do. A newer player would be running around in circles wondering what they are doing wrong.

Keep us posted as events transpire.

"Update salaries for government workers and the army, depending on the economy."

i'm sure you checked this, but this box would do what you describe

Not too often I find the boxes are checked in my country automation section. I always thought it was you updating my settings.

It's annoying...agreed.

I don't use any of the automated check boxes for salaries.

If I did, that would explain why my stuff was moving around on its own. But I don't becuase I like to use my own settings and don't want the game automatically doing thins I don't understand. That is why this ticks me off more than not. I do use my own settings.

I noticed a lot of inactive countries have their salaries set high, and their SS to 80% which makes the index 102. When I saw that in my own country, that is what came to mind since I hadn't logged into my countries. But it doesn't explain the last round of mysterious tweaking when I have logged in for the past week several times to almost every single country I have. On LU at least.

Maybe someone has your account info.......and is playing games with your mind......kinda of funny this all started since solomon returned?

LOL. I don't give my codes to anyone. W3c can look and see that. I'm not like your kind. Anything to get ahead eh?


I don't even see how you could equate some settings in my country going haywire to Solomon coming back into the game...PERIOD.

Since he made an adversary you can't resist throwing a cheap shot in huh Keto. I guess he fires back at your stupidity then you have an excuse for you and your buddies to gang up on him? Old habits die hard Keto.

Well didn't take long to figure out what happened, but I know now.

For some reason when on my portal page, I was mysteriously redirected to another person's account. I didn't do anything like that because I have no idea how to hack or any motivation to do so. This has happened before and was reported on the forum by a few members last year, early last year if my memory is good.

I am not sure the extent of the ability of anyone to alter things in another account reaches because I quickly closed the tab and reloaded the portal and landed on my own page.

Obviously the problem is internal and w3c needs to check this out before some knucklehead does any real damage. I will email, w3c with the name of the account i was redirected to. It was a nice account to, a prominent adversary.

Oh that's funny guys lol I welcome investigation, I'm clean as a wistle this time not even a 2nd account.(feel guilty y'all) Lets do the airport crotch grab like we were talkin' in the other thread!


Wait... You accidently landed in someone else's account on your password?

Gee how many clicks does THAT take to exploit?!

lol, I don't know I was just checking my wp and then bam, another account.

I did manage to fend off an intrusion attempt 2 weeks ago. Maybe a hacker lives in sim and our ips crossed. Could be why I landed in 'their' account. Interesting theory though. I wonder what the web says about this.