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Topic: On loan one month (Read 10258 times) previous topic - next topic

On loan one month

I got his msg and had no idea what to do so basically I ignored it.  :(

Actually I looked for the msg in the manual.  This was the beginner manual because the more advanced one didn't download properly.  Anyway I couldn't find anything about the msg.  :'(

Later I got the msg "on loan two months"  ::)

Decided ignoring msg was the way to go but I began loosing money.  :o

So then I got msg "on loan for three months"  >:(

I did a search on loan but to no avail.  Would anyone be so kind as to explain?  I suspect I was given a loan at the beginning of the game and need to repay but no idea how...

EDIT:  After re-reading this I realized y'all might think I'm really angry.  No this is just my feeble attempt at humor.

Re: On loan one month

Reply #1 –
If I remember correctly, It means you're in red numbers, therefore have three months to pay your debt or you'll be in bankrupt. That's the end of the game. Well, you can continue playing. The confusion may come because the master text is not clear. I think in previous versions, it contains an explicit mention of bankrupt, which clarifies the message but I guess somebody changed the translation (at least, the english translation)

Re: On loan one month

Reply #2 –
Ah OK, thanks Vilvoh.  Looks like it is back to buses for me. :)

Just guessing but the only way to pay the debt is to return to profitability or more accurately, get to profitability?  What I'm really asking is can you take money from capital and pay off part or all of the debt?

EDIT:  BTW I checked out your blog but didn't see an English version...

Re: On loan one month

Reply #3 –
Quote
Just guessing but the only way to pay the debt is to return to profitability or more accurately, get to profitability?  What I'm really asking is can you take money from capital and pay off part or all of the debt?

You have to make your transport to be profitable.
Many combinations of vehicles, good and lines never make profit.
Some are profitable, but this profit may be eliminated by the "Maintenance costs" deducted at the end of the game month.
If you look for solution what to do the last - third - month of red figures, I know only one - sell, sell, sell.
But very probably, it is too late and you will have to start from the beginning.

No bank loans.

Re: On loan one month

Reply #4 –
Quote from: Lodovico – on
No bank loans.

I thought somebody made an extension request in that sense, but It was discarded. If you have debts, the only solution, as Lodovico has pointed out, is to sell all except the imperative vehicles and try to get back to profitability. Loans would to solve your problems, because you have to pay the interest too.

Quote from: Roads – on
BTW I checked out your blog but didn't see an English version...

Not yet...originally it was going to be a reference point for the Simutrans ES community in case something went wrong with the forum server migration. As nothing bad happens, I just use it to write things I don't dare to post here... :D... It's hard to mantain a blog, so don't ask me about multilingual support yet. There're tons of Simutrans stuff in english, so let's give more publicity in other languages... and it's a good oc****ion to learn a new language.. ;)

P.S: Again, somebody beats me while I was writting the reply.. >:(

Re: On loan one month

Reply #5 –
Quote
P.S: Again, somebody beats me while I was writting the reply..

haha yep, I hate that too. :)

On the language, I see your point.  Just thought you might want some more traffic to your site.  I had a blog once.  Traffic to it was like the traffic to some of my early cities - 5. :)

At any rate thanks for all the info.  Right now I'm not trying to play a game for very long at time, I've started a bunch of them just trying different things and learning.

Re: On loan one month

Reply #6 –
Quote from: Roads – on
Just thought you might want some more traffic to your site. 

I guess I would get more traffic if I write it in chinesse....:D

Back to the topic, If I remember correctly, when you get that message for the first time, the amount of money you own is shown in red (a.k.a red numbers) so that should give you a clue about what's going on.

BTW, is there any info about this issue in the in-game help?...to open it, press the ? icon on the menu bar

Re: On loan one month

Reply #7 –
You may not want to do this, but you can start Simutrans in -freeplay mode. No warnings about bankruptcy, just create your own hugh debt, as any "modern" bank is did in the nearby past  ;). If anything, it's a way to continue a nice game then went wrong due to financial mismanagement, without getting "I told you so" messages.
Bob Marley: No woman, no cry

Programmer: No user, no bugs


Re: On loan one month

Reply #8 –
Combuijs, I'm not one of those entities who wants to become a bank.  ::)
However it is a good option for gamers if less so for IRL people.  :-X

Uh, I dunno Vilvoh since there is no real gold involved in this game.  :police:

I've pretty much got a handle on how my finances are going now.  I just check to see if my end of year balance is more than my beginning balance.  Have to say tho, the financial statement leaves has me for the most part, at a loss.  :D

I did look for some info about the msg in help but didn't find any.   :o

Re: On loan one month

Reply #9 –
In 100.0 I've been 30 months on debt, and received a message every month, but never bankrupt. Is this was disabled or I missed something?

Re: On loan one month

Reply #10 –
Are you playing in beginner mode? That avoids the bankruptcy but the game still warns you...

Re: On loan one month

Reply #11 –
No I don't

Re: On loan one month

Reply #12 –
Quote from: history.txt
Release of 100.0 (r1867, stable)
...
ADD: scenarios (i.e. you can play for a goal), bankrupt only after net wealth is below zero

As of v100.0, you will get a loan message every month you are in the red.  You will only go bankrupt if your net wealth goes under 0.

Re: On loan one month

Reply #13 –
Is it even possible for your net worth to go below 0?

I have wondered when the game was going to throw me out as well and it never did.  Maybe this setup is the best because really, you don't have very long to get your trans system in the black.  The little popups are probably a better penalty than throwing you out on the street.  And there should be some penalty...

Re: On loan one month

Reply #14 –
Quote from: Roads – on
Is it even possible for your net worth to go below 0?

Yes.  Net wealth is Account Balance plus ****ets (as per help file).  So, if you are 1 million in the red, and only have 800,000$ in ****ets, you would go bankrupt.

Re: On loan one month

Reply #15 –
Ahh, thank you Lmallet.  I like this very much.  It means I can continue playing the way I prefer with a small company.

I apologize for not reading the manual.  For us undisciplined folks, it is real hard to sit and read the manual when we can be playing.  Still though there is some merit to that old saying "as goat herd learns by goat so reader learns by wrote."

However I realize there is a limit to how much you fellas will tolerate. 
 

Re: On loan one month

Reply #16 –
Oh I didn't read this in a manual.  I don't think the bankruptcy thing is documented yet, as it is new as of Simutrans 100 (took a bit of research on the forum to find the exact information, it wasn't easy to find).  I did have to use the question mark button in the finance button to figure out how net wealth was calculated :)