Vault Interest
Posted by Keith
@BoaConstrictor
Ohh okay, I thought you were referring to the thing a few months ago where staff said the bug was fixed that made Morty Cards work indefinitely. That higher interest rate must have been before my time here. Thanks for explaining :)
Ohh okay, I thought you were referring to the thing a few months ago where staff said the bug was fixed that made Morty Cards work indefinitely. That higher interest rate must have been before my time here. Thanks for explaining :)
Eh, I can make more than what my interest is, and I have a lot, just by playing Memory daily. Looks like I'll just have to go and play that instead unless it gets cut down to nothing.
@kbbob I get Interest Per Day: 42,551....I have spent so much and then save again. That is why I do so many dailies!
I'm against it because not everyone with a lot of sP saved is just hoarding it. I'm saving up for the more expensive weapons for my battle pets and this means it will take that much longer. Watching the interest grow is one of the things that has made saving for those big money items easier as it's a really visible symbol of progress.
But I'm resigned to this change because I know that no matter what I think on any changes on the site, it doesn't matter.
But I'm resigned to this change because I know that no matter what I think on any changes on the site, it doesn't matter.
I was one of those people who got the crap end for the random interest. Then when it was equalized for everyone I still never remembered to collect. I will not miss this feature.
@Zacharyiscoo1
sorry, didn't mean to ping you, my mouse is acting up, I wanted to answer to
@LoftyBalloon
originally, when you signed in, you were randomly given a 5 - 10 % bank interest rate. I don't recall any longer, I think I had 6%, still better than the measly 1 or 2 (only for an exact 24 waiting time, which meant you went without interest sooner or later in between times), which after site rebellion was enhanced to a glorious 3 with the Morty Cards.
sorry, didn't mean to ping you, my mouse is acting up, I wanted to answer to
@LoftyBalloon
originally, when you signed in, you were randomly given a 5 - 10 % bank interest rate. I don't recall any longer, I think I had 6%, still better than the measly 1 or 2 (only for an exact 24 waiting time, which meant you went without interest sooner or later in between times), which after site rebellion was enhanced to a glorious 3 with the Morty Cards.
No Offense Keith BUT us with older accounts have worked hard and long for these hundreds of millions. Its a perk we deserve.
This might be one of the least consequential things to happen on subeta and you guys are practically calling for the heads of staff. No wonder they can't implement any changes.
Also, you funny people need to stop clamoring for global solutions that make everyone happier. Just because it slightly inconviences you, does not mean it inconviences the populace as a whole or even the majority. Holy crap I can't believe there's so much hate on here.
Also, the rich getting richer has absolutely nothing to do with any of this. If you have 30 freaking billion, and collect interest daily, you are making just slightly more than questing income. Do not confuse the rich hoarding their precious sP because they have nothing better to do with inflation caused by too much sP supply and not enough sP demand. That's driven by the most basic users, as they generate, by far and away, the most sP. Keith just can't touch their income because he would probably be attacked on sight for the next few months
Also, you funny people need to stop clamoring for global solutions that make everyone happier. Just because it slightly inconviences you, does not mean it inconviences the populace as a whole or even the majority. Holy crap I can't believe there's so much hate on here.
Also, the rich getting richer has absolutely nothing to do with any of this. If you have 30 freaking billion, and collect interest daily, you are making just slightly more than questing income. Do not confuse the rich hoarding their precious sP because they have nothing better to do with inflation caused by too much sP supply and not enough sP demand. That's driven by the most basic users, as they generate, by far and away, the most sP. Keith just can't touch their income because he would probably be attacked on sight for the next few months
actually despite my random posts, I'm not opposed to this.
No incentive to save up huge hoards of sP = more incentive to spread your money around = better user to user economy = I can sell more stuff = I can save more.
it will probably balance out.
@Zacharyiscoo1
originally, when you signed in, you were randomly given a 5 - 10 % bank interest rate. I don't recall any longer, I think I had 6%, still better than the measly 1 or 2, which after site rebellion was enhanced to a glorious 3 with the Morty Cards.
originally, when you signed in, you were randomly given a 5 - 10 % bank interest rate. I don't recall any longer, I think I had 6%, still better than the measly 1 or 2, which after site rebellion was enhanced to a glorious 3 with the Morty Cards.
I agree that this site is great for people like me (and others who have posted here) who have disabilities and can't be successful in the real world - subeta us kind of like a surrogate for that. I only like interest because it closely mimics the real world, although it should be an annual thing that is rewarded to everyone regardless of if you collect or not.
I did remember to collect. Lol (it was free money and j always remember to take advantage of the free stuff lol).
I did remember to collect. Lol (it was free money and j always remember to take advantage of the free stuff lol).
Stephen Hawking called, he'd like to know why disabled people can't be rich in the real world
So... I lose 300k+ a day. Its a pretty significant amount of a daily earning which I admittedly enjoy seeing go up. I just like collecting my sp and I collect my interest everyday. Was still nice to get that sort of reward for saving your sp though.
Then again, I'll just keep working away at it and earning my sp as I have for years. I'll get used to it and get over it and make up for it in other ways. #battlerstyle.
Then again, I'll just keep working away at it and earning my sp as I have for years. I'll get used to it and get over it and make up for it in other ways. #battlerstyle.
like on the one hand i know why this is being done, but on the other hand im gonna miss that shitload of free money
Even with 100 million in the vault it still pays out nothing. I don't get the complaining but I guess I'm not that rich. I like this change. Keep fighting the good fight staff!
Yeah, I'm totally ok with this. I always forget to collect it unless I'm depositing or withdrawing.
In all honesty, I have no problem with this. And I don't think I would, even if I was collecting 1-2mil a day, or something outrageous like that. sP is rather plentiful, and people who do pull in large amounts daily are just making it more so.
I mean, don't get me wrong, I love how easy it is to make sP on here, but when the richest user has over 30bil, you gotta admit something isn't working, lol.
I mean, don't get me wrong, I love how easy it is to make sP on here, but when the richest user has over 30bil, you gotta admit something isn't working, lol.
@Wolf_Spirit In REAL life I am much much more poor than most, especially among most people MY age, which is 60. I do NOT own a cell phone, or a home, or a car and not much of anything. My income is below 1000/month and I live in a tiny apt. I'm a widow. Please don't assume that because I'm rich in sP I am rich in real life. Please don't quote me and NOT even ping me or have the guts to say who you are talking about in your quote.
My statements were about THIS game (where I AM rich because I have worked VERY hard to be rich and NOT because of collecting my interest)
This is NOT like the real world where the rich get richer. Anyone who plays here can be as rich as I am. I've only been playing two and a half years and I'm one of the richest on the site. If I can be THAT rich in less than 3 yrs (and I was already rich in only ONE year) then anyone who is willing to save and invest and work hard at this game can become rich. Some people like to build pet profiles and collect things, and I like to be rich in the only place in life that I CAN be rich.
THIS is NOTHING like the real world. I'm disabled and that prevents ME from being rich in the real world, but it does NOT prevent me from being rich in a virtual economy.
ALSO @Wolf_Spirit if you read ALL of what I wrote you would see that I am very generous to poor players, I buy things I don't want or need from new users, I buy people presents just because, etc. and in the real world people who are generous often do that for tax breaks, while here I do that to be KIND.
My statements were about THIS game (where I AM rich because I have worked VERY hard to be rich and NOT because of collecting my interest)
This is NOT like the real world where the rich get richer. Anyone who plays here can be as rich as I am. I've only been playing two and a half years and I'm one of the richest on the site. If I can be THAT rich in less than 3 yrs (and I was already rich in only ONE year) then anyone who is willing to save and invest and work hard at this game can become rich. Some people like to build pet profiles and collect things, and I like to be rich in the only place in life that I CAN be rich.
THIS is NOTHING like the real world. I'm disabled and that prevents ME from being rich in the real world, but it does NOT prevent me from being rich in a virtual economy.
ALSO @
I'm curious, ar there events on Subeta that steal your sP? Because without interest, and without events like that, what do you need a vault/bank for? Could just keep the sP on hand at all times. Lots of games work that way.
I guess maybe to hide it from yourself to keep you from spending it?
I guess maybe to hide it from yourself to keep you from spending it?
I'm cool with this. Mine is so small anyway I rarely even collect it.
Plus I agree with doing away with "the rich get richer" for no reason. XD
Plus I agree with doing away with "the rich get richer" for no reason. XD
Great change, I quite often forget to collect my interest anyway. It might work in real life but for a site that is struggling to keep sP sinks alive and working, giving out free sP just for putting it into the bank has always seemed really strange to me. Especially when the bank already has the perk of keeping Sebastian Phoenix's nasty paws away from your money.
Keith
STAFF
I'd like to remind everyone to read the community guidelines. People who've collected a lot of sP have played the game and earned their sP. Some people enjoy just having a bunch of sP. :)
I would have suggested that this news post be made and then not allow comments. Seem to have started class warfare for no damn reason.
I'm honestly not overly fussed with losing 150k extra a day, but seeing all the people going on about equality of sP and whatever other crap they can find... Everyone has the same advantages here, the difference is strictly up to the time you can spend playing as far as I am concerned. Either want to earn or you don't.
In the real world I'm not rolling in money, it is nice to be able to go somewhere where I don't have to worry about money because it is easy enough to earn and save. Simple.
I'm honestly not overly fussed with losing 150k extra a day, but seeing all the people going on about equality of sP and whatever other crap they can find... Everyone has the same advantages here, the difference is strictly up to the time you can spend playing as far as I am concerned. Either want to earn or you don't.
In the real world I'm not rolling in money, it is nice to be able to go somewhere where I don't have to worry about money because it is easy enough to earn and save. Simple.
I don't mind since I don't get that much Sp from interest anyway...
Good explanation on Keith's part though. :)
Good explanation on Keith's part though. :)
Not a rich rich Subetan but I was kind of surprised and confused why this was being done, but glad you explained and it actually makes a bit of sense now. I'll miss the couple K's a day but that'll easily be made with Quests.
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Well, they never got around to fixing things so that the interest actually was reduced. I've been getting 3% interest since I started playing, after using just one Morty card and collecting interest once :PFirst interest reduction, now nothing at all :disappointed:
I'm good with this change. It's not enough sP lost to affect most of us, and for the rest, it's a good way to stem the flow of sP into the economy (and therefore a good way to increase sP's value). Sorry for those who are complaining, but this change is better for the economy and Subeta as a whole, even if it's an inconvenience for you.
Well, I like the idea of interest. But I couldn't seem to remember to collect it unless I was about to deposit or with draw money. I guess that's enough to not have complaining rights. haha! :)
I AM curious about Morty. I don't even know if I have any. hum.
I AM curious about Morty. I don't even know if I have any. hum.
Seems a little odd, but your reasoning is pretty good. I'm not really affected either way; I barely have any SP in the bank at any point, so the interest is moot, so...
(Now get rid of that annoying Hustler popup, then we'll talk cheering and praise)
(Now get rid of that annoying Hustler popup, then we'll talk cheering and praise)
Less than 50 mil in the vault, so no significant loss here. I can see where people with billions saved will be hit hard, but with taxes not being able to touch banked funds, it makes sense to not give out those massive interest payments daily.
Don't forget the overdraft charge! that's usually around $35 - SHEESH thanks subeta for not making it like a real bank!!!! although the interest was nice to collect, but I can live without.
and how in the hell do you get morty cards?????
and how in the hell do you get morty cards?????
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Or it'd charge us a monthly fee for the privilege of having the account :PIf this were like a bank, they'd charge us for having too little in the bank, and for not withdrawing or depositing often enough. And possibly every time we withdraw from the bank
I DO spend sP on quests and other things @Keith. I DO not just sign in to collect my interest. I do quests and I buy from others everyday. I even look for the shops of the NEW users in order to try to help the new players get started. I buy things that I don't even need or want from people as a good citizen who's trying to make a difference here--to help other people get started in the game. I'm NOT just signing in to collect my interest and I never said that was ALL I was doing here.
I truly don't think that you're looking at this from all angles, from the perspective of "something for everyone" and I don't understand how it hurts the economy to give interest to people.
Can you enlighten me, is it something that has to do with computer programming, cause if that's the reason, it would NOT be something I would understand in terms of the exact reasons, but if you said it's a problem with programming I'd understand that w/out having to understand the details.
I truly don't think that you're looking at this from all angles, from the perspective of "something for everyone" and I don't understand how it hurts the economy to give interest to people.
Can you enlighten me, is it something that has to do with computer programming, cause if that's the reason, it would NOT be something I would understand in terms of the exact reasons, but if you said it's a problem with programming I'd understand that w/out having to understand the details.
so approx 517 mil?
the extra interest is nice, but playing what, 5 games or so will make that up every day. At least with the games, you're actually earning the sP.