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Suggestions > Loan suggestion

Loan suggestion (thread closed)

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From: inimene

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95350.9 in reply to 95350.7
Date: 6/8/2009 4:55:03 AM
Overall Posts Rated:
44
But it would make game more intresting, when you have option to loan and hope for luck or play with money you really have. Easiest option to invest borrowed money, would be building stadium, what increases the income. These users who bankrupt, cause of loan, will probably learn their lesson and start new user. When we make that option, we can also add next to that a warning message, describing the dangers, what comes with loaning.

To Kozlodev: But when we are "borrowed" 200k, we can not buy a player, who costs 200k. "Loan" option would solve this problem. This example shows, that we could temporarily get higher prices to transfer market, too.

From: Kukoc

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95350.10 in reply to 95350.9
Date: 6/8/2009 10:02:47 AM
Overall Posts Rated:
13361336
You have missed the point. The -500k is ment to be a cushion for those "when sh"#¤ hits the fan" moments. You finish 5-th in the league with balance almost at 0 going -200k in balance every week until the next season starts and you get you're home game, this cushion might save you the first time you mismanage you're finances. In div1 you would prolly have to sell a player in that situation.
Do you even understand what you are suggesting? You're suggestion = move the 0 point to -500000. It's just the same if we would start taxing people now if they drop below +500k cash, basically adding 500k money per team into the game. Every starting team would loan themselves to -500k -> quit or go bankrupt.

From: inimene

This Post:
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95350.11 in reply to 95350.10
Date: 6/8/2009 12:10:40 PM
Overall Posts Rated:
44
Then we can disallow newbies to borrow money until they understand, that it is stupid idea, and they should only borrow if they really need to. We do not know, does it work or not, but it is an option. :)

This Post:
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95350.12 in reply to 95350.11
Date: 6/8/2009 1:46:01 PM
Overall Posts Rated:
00
until they understand

This is a very vague statement. How do you propose you measure exactly when people understand the dangers? Some people will know from day 1, others will never fully understand.

they should only borrow if they really need to

...which, as has been said, is the $500k cushion that every team gets, for when they need it.

This Post:
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95350.13 in reply to 95350.11
Date: 6/8/2009 1:52:04 PM
Balls of Steel
IV.10
Overall Posts Rated:
123123

Is anyone, or very many people, agreeing with you? Going into debt is extremely dangerous. Budgeting cash is one of the important things a good manager should do. Before going out and buying alot of players, and building an arena that is too big, a wise manager will understand the cash flow and live within his means.
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We really dont have loans. Rather each team is extended a $500,000 Line of Credit.
as to those unexpected times when a loan is appropriate? a couple of your starters are injured for 2-3 weeks and you have no cash. maybe this would be a good time to draw against the line of credit and buy some average players. otherwise, debt is evil.

This Post:
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95350.14 in reply to 95350.13
Date: 6/9/2009 4:09:17 AM
Overall Posts Rated:
44
Okay, I lost, cause I can do everything here, but when all of the community is against suggestion, then BBs will not put it into game:( This thread can be closed.