BANKING STUFF
We Now Have GlobalBank.
What is GlobalBank?
GlobalBank is a plugin we have, which allows you to store a TON of items into a bank. Your items are saved across all bankers, so if you store your items in the Spawn bank, you can still access them via another banker anywhere on the server. If you are using Spout, bankers have a banker-like skin.
Do I have to pay to use the bank?
You do not have to pay to use the bank. However you start with 3 free bank tabs, each tab has 52 spaces for items. If you would like to purchase more bank slots, each one you choose to buy will cost $70, with a multiplier of 2 for every extra slot you purchase. You can see how much the extra tab will cost by click it ONCE. In chat it will tell you the price, to buy it, just click the same tab again.
How do I use GlobalBank?
First, locate a Banker. They will have the title Banker above them, and if you are using spout, they will have a banker-like skin. Approach the banker, and right click him. You will see a ton of chests in order, like 1,2,3,4,5 etc.. Up to 54. By default you can use the first 3 slots, each other slot costs $70, and a 2x multiplier per next slot you purchase. So click on the first Chest slot you see, and in you will see; A Chest, Paper. Clicking the chest goes back to the list of bank tabs, clicking the paper sorts the items you have in the current tab, like if you have a stack of 10 dirt and a stack of 7 dirt, it will combine them. You can drag items into the bank, and it saves it across all bankers!
LOANS
What is a Loan?
Definition: A thing that is borrowed, esp. a sum of money that is expected to be paid back with interest. Basically, if you get a loan, someone pays you however much you're asking, say $1000. Then after a certain amount of time you will have to pay them back, but you will have to pay them back $1,800 because our server is going to have a set Interest rate of 1.8%. So to figure out how much you are going to owe someone, multiply the amount they are loaning you, by 1.8
How do I Request a Loan?
Simply tell DaClowns you want to request a loan for how ever much money you choose. DaClowns will place a load request sign in the Spawn Bank. Then you wait for someone to accept your loan request, just by telling you they will loan you the money. You then have 5 days (120 hours) to pay them back. To find out how much you owe them, multiply the amount of money you are getting loaned by 1.8
How do I give a Loan?
To give a loan, you must go to the Spawn bank and go to the back where the Loan Requests are, on the left side. If you see a request there and you want to give the person a loan, let them know, and let DaClowns know. Once everyone is ok with everything, you will type /pay <name> <AmountLoaning>
The money you are loaning them is taken out of your balance and placed into theirs. They then have 5 Days (120 hours) to pay you back. They owe you the amount you loaned them multiplied by 1.8. All of these details, the person who loaned, the person receiving the loan, and date the money is due back, and the amount will be posted int he bank, so it is all organized.
What Happens if I don't pay back a Loan, or don't receive my money for loaning?
If you do not pay back your loan within 5 days of receiving it, it will be taken from you balance if you have the amount, and if you don't have enough in your balance, your items will be taken away from you, including stuff in your home, chests, etc. Without Warning.
If you do not receive your money back for a loan you gave, DaClowns will give you back half of what you loaned. So make sure you only loan to someone you think you can trust to pay you back the amount loaned, plus 1.8% interest.
