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Banking your money

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  • Banking your money

    I don't understand the arguments against banking your money. If I'm making $200,000/hour and I bank it I pay $20,000. It will take me 10 hours to make $2 mil, by which time I will have paid $200,000.

    If, on the other hand, I'm making $2 mil/hour and bank it I will pay $200,000 ... the same amount of money.

    If I get chained by another player 10-15 times, they are going to take me for $1 mil to $1.5 mil. Two players chaining me means I lose $2-3 million. The same amount that I'd pay to the bank for putting away $20-30 million.

    So what's the disadvantage to banking, exactly?
    [CENTER] I don't know half of you half as well as I should like; and I like less than half of you half as well as you deserve.

  • #2
    e.g. if your income is 100m/hr.... do the maths


    • #3
      Yes, if your income is 200,000 an hour, it makes a TON of sense to bank money. Once you hit a crtain point, it becomes a terrible idea.

      The cost of banking is not fixed. It is a %, whereas the amount you can loose from an attack is capped at a relatively low amount. If you make 200 thousand an hour, it costs you 20 thousand to bank it. If you make 200 million an hour, it costs you 20 million to bank it.

      In the 200 thousand an hour case, if you fail to bank it, you could easily loose well in excess of $20,000 in a singe attack.

      In the 200 million an hour case, if you fail to bank it, it is utterly impossible for anyone to get 20 million from you in an hour. Heck, it's likely impossible to get 2 million. You lose a max of 100k an attack and you can only be attacked until your health drops blow 10 and then you are safe for between 5 and 45 minutes.

      Even an extremely dedicated group of people who always won and attacked the moment you become attackable would not be able to take away more then a small % of what the bank takes to protect your money...

      The only real argument that can be made in favor of banking once you have sufficient income is that you might wanna discourage people from attacking you...

      I think this is garbage, for me at least, as anyone who can hit me reliably probably is high enough level that they care about money about as much as I do, IE not at all. Although if a person has a build built more around questing and has poor attack and defense skills and mediocre items and army, then I can see this being a more valid point.
      Last edited by Robg54; 10-07-2009, 07:56 PM.


      • #4
        In the same vain, I have over 122 mill in the bank now and am at level 39 (an army size of 8 -- all who are my friends -- if I don't know you don't ask to join or have me join your army) and have bought all the weapons, generals, land, etc... that I think I need. Since I am sort of stuck with getting the higher level quests done --did first two and now need a minimum army size of 12 for the third -- what good is the money other than providing the upkeep for what I do have?


        • #5
          Originally posted by Jehann View Post
          I don't understand the arguments against banking your money. If I'm making $200,000/hour and I bank it I pay $20,000. It will take me 10 hours to make $2 mil, by which time I will have paid $200,000.

          If, on the other hand, I'm making $2 mil/hour and bank it I will pay $200,000 ... the same amount of money.

          If I get chained by another player 10-15 times, they are going to take me for $1 mil to $1.5 mil. Two players chaining me means I lose $2-3 million. The same amount that I'd pay to the bank for putting away $20-30 million.

          So what's the disadvantage to banking, exactly?
          The main argument comes from ppl making huge sums of money. I banked until I was making around 2 mil per hour. By that time my defenses were so good that I wasn't losing any of my challenges so I didn't bank anymore.

          Your call of course... you are the only person that knows your preferences.


          • #6
            Even if you have weak defense, there comes a point when the 10% cost of banking your income greatly outweighs the amount you could lose to attacks during the day.

            at lvl 100 I net just under $90Mil/hr, with appx $4Mil/hr upkeep.

            $122 Million in the bank.... that's pocket change, I could only buy one more Champion Aura with that.


            • #7
              Ok, I am asleep, and my 15 million an hour builds up for 8 hours, equaling 120 million, 12million is lost if I bank it when I wake up, or, I leave it, and I lose 3 million. What is the advantage of banking again?

              I will say it again, if you are making less than a few million an hour, it is ok to bank. but once you are making 3-5 million, you really need to look at how often you are playing and whether it is worth it to bank or not.