Send money into bank.

[trungdle]

I suggest we let people send money into bank account AND cannot be taken back unless that character died. To prevent people from using alts as safes I suggest adding a costly skill "Will making" after theology. The only person that can take money back from the bank when you died is the person you named in the will or your direct heir. You take the full amount out at once in a big pocket that is paid for by your ancestor. Use:
-Silver sink since they cannot be taken back
-Carebear with lots of money will feel safer when died. Also increase the speed of getting back on your feet.
People won't use them as safe money since there is no way to take them back unless you are killed.

Also let people send letters home with costly skill "Autobiography making". Each letter will give your heir one of your skills. Every time you send a letter you are older and it decrease your learning capacity by 15%. limited 5 letters.

[RonPaulFTW]

No.

However - a sneaky side benefit of being a top ten mayor is risk free silver storage at the bank. I think the bank should charge a fee for safe guarding your silver - and that is something anyone can take advantage of.

Maybe a 5% fee at deposit time.

[MarpTarpton]

Ideas.

It's uncanny how "almost there" you are with these things in comparison to actual concepts recently discussed.

[trungdle]

Ideas.

It's uncanny how "almost there" you are with these things in comparison to actual concepts recently discussed.

[ImpalerWrG]

Well the game needs more silver sinks, so why not let 'safe' storage of money be a sink, I mean that's what REAL banks are after all. Something like

10% off the top deposit fee
0.5% per day storage fee (1 silver per 200 stored)
10% withdraw fee
50 silver bounced Check fee

Just like a real bank they nickle and dime ya, but people would still use it and I think a good amount of silver would get sunk.

Now just to be clear each player would have 2 'Bank accounts' one that any store-bought silver appears in which has no fees, but can not be deposited in (basically as it works now), and second account which is full of fees and which you can deposit money in.

[trungdle]

Well the game needs more silver sinks, so why not let 'safe' storage of money be a sink, I mean that's what REAL banks are after all. Something like

10% off the top deposit fee
0.5% per day storage fee (1 silver per 200 stored)
10% withdraw fee
50 silver bounced Check fee

Just like a real bank they nickle and dime ya, but people would still use it and I think a good amount of silver would get sunk.

Now just to be clear each player would have 2 'Bank accounts' one that any store-bought silver appears in which has no fees, but can not be deposited in (basically as it works now), and second account which is full of fees and which you can deposit money in.

and credit card that let you borrow money from the bank and charge you 13.99% per use also, 1% silver back on every purchase.
JK.