Utter Nutter

they asked me to complete the missing pieces so I did it out of spite

ha

The end of the Durmstrang Institute The Durmstrang Wizarding Institute had met its final hour. Headmaster Seb sighed as he looked over the damning Ofsted report that threatened to close his academy due to the apparently abhorrent ‘grooming techniques’ used by him and his staff. It seemed so weird to him that educational regulatory bodies were now able to ruin everything he’d worked for based on the cleanliness of his staff; he profusely contested this decision as he had been particularly close to many of his staff on many occasion and found their scent... Pleasureable. Professors Jim and Tricerius were troubled at the news. Such a scandal to arise shortly after their joining did not portray them in a favourable light, despite their innocence. Deputy Principal Goomy ordered to see them in his chambers, they thought this peculiar but didn’t wish to appear suspicious by not attending. After a gruelling night in a most sensitive meeting the pair were slightly traumatised, Goomy had shown them the source of the claims of staff misconduct… Seb pondered over his ancient texts in order to find a way out of this mess. He finally reached the ‘R’ section in the A-Z guide to which he let out a cry of joy (this was nothing to do with the student underneath his desk). His prayers had been answered by a short entry: “Ragnarok; Are you about to face complete annihilation and or destruction of your hopes and dreams? Call Ragnarok on 09** *** **** for top quality advice. We’re the end of days specialists!” He dialed up the number to be met with response from their phone operator AnwarJ who after some ‘convincing’ directed Seb to his supervisor Trajan; the pair arranged for a the Ofsted inspector to be dealt with in a manner most befitting… a night with Ragnarok’s seductional educational specialist Mr. Graham. After a lot of Hard work the charges were dropped. Now came for payment. Trajan highlighted in their contract a clause titled “Repopulation”. Apparently after their duty was done, Ragnarok expected a member of each parties to come together in some sort of ceremonial event. Goomy instantly volunteered, Ragnarok presented AddictedBoy as their emissary for the event. It was time to find out what he was addicted to ;). The entire encounter went so well that Ragnarok decided to add Durmstrang to their loyal customers list. Durmstrang reciprocated with a tour of their staff housing… Durmstrang and Ragnarok sign an ODP Article I: Sovereignty The parties agree to respect one another’s sovereignty by forming an invisible barrier made of educational forms of knowledge that prevents interference. Article II: Non-Aggression The parties agree and guarantee the cessation of any and all forms of illegal educational techniques being taught towards each other. Article III: Secret-sharing The parties agree to share the latest and trendiest education techniques with each other with the intent of improving the education and knowledge of both parties. Article IV: Optional Defense The parties acknowledge that in the case of educational books being destroyed by external forces, they are not mandated to come to the aid of their fellow signatory. Should either party face annihilation and or destruction of its existence, they are encouraged to neutralise it with legal forms of powerful knowledge. Article V: Cancellation Should either party wishes to be left alone, 72 hours of notice must be given before it can be made official. Signed for Durmstrang: Headmaster Seb Mistress Goomy Mistress Tricerius Mistress Jim Beam Signed for Ragnarok: High King : Trajan Jarl: Jeremy Graham Thane of Diplomacy: AddictedBoy Steward of Diplomacy: AnwarJ

this guy has 2 accounts under the same network, he did not get them verified and used one of them to counter the raid on another

aw boy, paul my dear, so tried to conspire against me, you made racist comments about me because of my nationality, you falsely accused me of trying to scam people. what did I do when you started a bank? I helped you and gave you money. I gave you clients for a whole year so you could keep running your business. you? you are just a racist discriminatory little person, I pity you to be honest. but that just tells me and the rest of the world what you are made of. So paul, since being Argentinian is a bad thing, is there any other country that in your book are naturally dirty and bound to scam people? is there anything else you discriminate? how about color, are you from a superior color too? or is it just the country you belong to that makes you better.

I retired from banking for your information, this plot by this two individuals was while I was doing banking, they are aparently 11 months old. I posted now because I just got them. in case you are wondering, I don't care what happens to them, its not some stupid vendetta, thats for lossers. this 2 were lossers just trying to sabotage me, they clearly failed.

I just got them, seems someone was saving it for a rainy day. this two are noobs aparently, because I went from 6b 11 months ago to 25b 2 months ago when I retired. way to go on sabotaging me.

only my investors should be concerned about this, and they are allllll really happy. funny thing is that Paul came work for me for a few months, he got paida commission for the loans while I managed them anyway because he was too lazy to do it himself. then he decided to make a bank of his own over a year ago, so I gave him money at 2% interest so he could make a good difference and get started. he would then loan at 5% to 9% and make a good profit with my own money. I didn't care because I wanted to help him oh boy how wrong was I. but oh well, you can't change the nature of people, ducks will be ducks freer, you show up in that convo too, and you too are salty because you were a historic lame banker keep burning yourself please, I having the day of the year give me more

you are going to try and defend that? please make my day

ofc man, I said EB has your back whenever you need help so does Durmstrang

cracks me up

thank you gorge, thank you squeegee, you two have always been our friends

you know you can always request a loan bud, we are here for you and unlike this two up there, we are not conspirators I am still laughing

I finally know why Psweet tries to sabotage everyone of my attempts, he is jealous https://pastebin.com/2sXeu9ur Psweet and Paul Warburg conspiring against me is the best news I have heard today

you boys trying to sabotage my bank was very sweet guys, thank you so much for the attention. I love you too https://pastebin.com/2sXeu9ur

to add to the inflation concern, it would require a 5b investment to produce 10m a day. I think I read somewhere that there is currently 80b worth of liquid money flying around Orbis, if all of that were to be deposited in the bank (very unlikely) it would produce the same money than 15 nations of 15 cities each can already produce. just to add figures, the top alliance at 100% tax must be making over 400m a day overall. and thats just 1 single alliance. how much money would it take to equal 1 alliance's income to add to this inflation? 200 billion so the inflation of new money generated is not really that big in an Orbis wide scale

dude, you are taking things way to personal here, go keep your private bank and make your profits, I only see 2 people arguing against this. this two people have 6 and 7 cities and are new to the game. I also see 1 private bank owner trying to discredit the proposal, you made your point, as weak as it sounds, tis time to let others comment it. thats a fun concept, it would add more dynamic to the game you are not making sense, this bank would just be part of the game code, not a private bank and not controlled by any player. no player would profit from anything except those investing. you are again repeating something that doesn't make sense, I wouldn't control anything in the bank, it would be part of the game itself. I get the feeling you are just trolling this post with nonesense

alliances can still give grants, why would they stop that? as a private bank owner tho, I have received numerous requests for loans to small nations wanting to grow 1 more city, and everytime I have denied them the opportunity for fear of a default, many of this guys are in micro alliances with no money at all and have a hard time getting this grants you speak of.

also I want to add. this is a good way to save lets say 500m for a rebuild after a war. We all know that before a war, there is a ton of cash in hand but after the war rebuilds are hard because money is scarce, private banks take advantage of the necesity and raise their interests and still 80% of the game have to spend the next 2 months slowly grinding up their rebuilds. what if you could safely deposit 300m on the first of a month and keep it there renewing that money once a month until you finally have a war, then you could withdraw it at the end of it to rebuild instantly. It would be one more tool to use by the entire community, if its available for everyone, its not unfair. and your rebuilds wouldn't be politically tied to private banks. you could finally be the owner of your own instant rebuild and be able to safely plan ahead for any contigencies

the funds would be coded back in if you are in a war at the same time the CD expires and you happen to forget to renew it. it would be a negligence of the player. and this CDs can be bought in a set day of the month, lets say 1st of every month, or the first 2 days of every month. If you don't invest it then, you miss your chance and gotta wait another month. That way you reduce the chances of it being an exploited system. but if you are so worried about exploits, tell me what exactly are you afraid of and how would you fix it, this thread is to find out opinions and all this failsafe mechs that could be implemented to make it good. 1. private banks already have that source of extra money, so this would be an alternative to this private banks. 2. why does all money have to have a risk? I don't see why it can't be risk free with a very low income source. 3. how would blockades affect it? 4. I guess you could hide that money but it would only be available for withdrawal once a month 5. the code would prevent such a thing because the loan would only get them 1 more city and would have a payback automated system for 30, 60 or 90 days. 6.to have negative income you would need to be at war and your infraestructure destroyed, I think that in the case of the nation being at war, a pause on paying the loan could be coded in, private banks have this rule too, where nations don't have to pay their loans while they are at war. 7. that just doesn't make sense unless you have absolutely no infraestructure, but I guess that if you can't pay the loan, you will never be out of debt and 1 city is all you will ever get out of the bank. in the excel sheet I sent I made an example of a 100m loan (for a nation buying its 14th city) in which the nation would have to pay 2m a day of the loan (if the interests were 0.5% daily or 3.5% weekly) a nation with 14 cities can easily make twice that much money. lets say you want to buy your 10th city, that loan would then be 40m at most, so your payment would be less than 1m a day for a 60 day period. a nation that doesn't make 1m a day at 10 cities is doing something incredibly wrong.

withdrawals, like we pointed out in the first post could be done after the CD period ran out, so you can't do it anytime you want. lets say the period is 1 month, you can withdraw it after that month is up. for further investments, you would also have to wait until that month is up to invest more money and buy a new CD for an increased amount. deposits were also specified, 1b without a project and by adding a quite pricey new national project, it would increase to 5b. I don't think there should be a withdrawal cap aslong as it is done when the term of the CD is up. to shorten the margin of that money being available but not withdrawn and make it liable for an exploit, we could have a 2 day period between the CD's termination and its withdrawal, if the nation didn't renew the CD the money would be depositted into the nation automatically.

guys, this bank would be coded by Alex, its a project I sent to him and he liked it and wanted to hear the popular opinion. but this bank would benefit lower nations allowing them to take loans while private banks would give them insane interest rates and dry them up and force them to quit and default. I am the owner of one of this private banks, the difference with me is that I am willing to evolve to make the community a better place while other bank owners just want to keep cashing in money. so for once, put your greedyness aside and think what could be best for the community, a world bank available for everybody and not to a selected few that happen to be friends with the bankers or for instance are willing to pay insane interest rates. this rates have been as high as 11% a week to my knowledge. if you are going to critisize it, do it with a valid opinion and not a biased "I like my money making machine and don't want to let go" opinion. private banks can still exist and this World Bank would be a tool to get the smaller nations their next city ahead of time, that is all.

you gotta point out what glitches and what exploits, you are being a little vague about it. if a nation deleted with an outstanding loan, the money would dissapear with the nation, thats the magic of coding, Alex can code a gazillion dollars if he wants. you gotta point out what glitches and what exploits, you are being a little vague about it. if a nation deleted with an outstanding loan, the money would dissapear with the nation, thats the magic of coding, Alex can code a gazillion dollars if he wants.

World Bank The PNW bank would work as a saving account for the nations of PNW. This would allow for nations that are not comfortable investing in private banks to be able to put money away and earn something for money not currently being used toward cities, resources, and infrastructure. Two ways this could be implemented. 1. With CD (certificate of deposit). These CDs would have a 1 month long contract, meaning the owner of this certificate can choose to withdraw or renew the contract every month. Each CD can cost from 10m, 50m, or 100m and earn the nation buying it 0.2% daily interest, that means that every 100m deposited, the nation will earn an extra 200k income per day. 2. Once you put money in the investment bank you will not be able to touch it until the time is over. You will not be able to start a new investment account until the first one has finished. A cap of 1 billion would be the max to invest every week or month. The interest rate would change and be determined by how much money was being invested in PNW and length of investment. These certificates and investments would be guaranteed by Alex. The PNW Bank should also allow for people to take out loans as well. Nations that will most likely use this will be smaller nations that find it difficult to grow on their own. How would the nation pay this loan? A set percentage would be discounted from the nations income in a daily basis similar to an alliance tax. Interests would be 0.5% of the loan per day. The French loan system can be used to calculate how much interest to take and also figure out a payback method for 30, 60 or 90 days. Money will not be given as this could easily be exploited. Instead the bank would buy their next city. This purchase would then become the outstanding debt the nation has with the World Bank. Those not wanting to take out a loan for the full cost of a new city can put a down payment down. Nations should be able to make a direct deposit themselves to pay the loan back faster and would not be able to build another city or project until the loan in paid. In case of small nations below 10 cities, the option to buy 2 or 3 cities without having finished paying their original loan could be implemented, then they would be able to grow to a good size while they figure out if they like the game or not. National Project: World Bank Cost: 100m/150m Increases investment cap to 5 billion Leave out Some may wonder what would happen to private banks, they would still exist, this type of banking offers very reduced interest rates to investors, 1.4% weekly, way lower to anything any bank currently gives with the only upside to it that their investments are 100% guaranteed. It also only offers services for smaller nations seeking help to grow faster, and it would be only available for 1 city at the time, the nation would not be able to take multiple loans to grow exponentially. Private banks would also be able to give loans to nations in need of resources to war, or to alliances trying to start an aggressive expansion in their ranks. Possible questions: -Why only 0.2% per day which sums up to 1.4% weekly while you can get anywhere from 2% to 3.5% in private banks? Because this is just an option to large economies that don’t want to deal with the hassle of having their money administered by third parties, their payback would be less, but also will their hassle. -Why the interests are so high for nations taking loans, there is a big gap between 0.2% and 0.5%? Because 0.5% interests match the 3.5% interests private banks give to investors looking to deposit money. This way we prevent any loophole in the system where nations would be tempted to take a loan at a lower cost for their next city while investing their actual cash in the private bank system. -why not just give money? This would tempt nations to take money out and attempt to exploit it. Why limit the loans to the value of their next city and buying the actual city automatically? This is to prevent a nation from taking out a large loan, sending away the money and deleting only to start again. Why not loan to alliances? Because alliances would need to take out liquid money and it would be open to be exploited. if you are interested to know how the french system works, I attached an excel sheet the example shows 100m to be paid in 60 days taking almost 2m a day as payment. french system.xls thanks to endiness for helping me polish the details

transitioning CEO of Emerald Bank approves of this post