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making money as a moneylender

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making money as a moneylender

from Stardock Forums
Or, how to make 8% interest or more on your galciv galactic bank balance

one part of this game I don't understand is how the AI decides when an offer of cash payments over time is worthwhile. For example, why is it that the AI will sometimes have no preference between paying you $300 upfront, or $600 spread out over 4 years, or $700 spread out over 10 years?

In an earlier game I was playing, the AI actually refused a trade where I offered $100 for their $35 -- i.e., they refused a gift of $65

In my current game, on level 'painful', I have tried to maximize my negotiating skills and now have +150% diplomacy, including full starting game bonus and diplomatic translators. In the early game I made money selling tech at inflated prices; not I just sit back and collect interest payments -- averages about 8%. Perhaps there is a way to employ the cash more productively that will get 8%, but I haven't found one

I think this is a good way to make money from other civs without having to give them techs... but still, the way the AI figures out what interest rate to use is a total mystery to me and makes no sense.

Now, in a perfect universe, the civs could just issue bonds, and anyone could bid on them... but that may be too much to hope for




4,632 views 34 replies
Reply #26 from Stardock Forums Top
However, you can type in any amount you want on the months line to extend it out as far as you want.
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Yes, but I can't seem to reduce the per turn outlay any lower by increasing it above 100 turns. Maybe you can't buy for more than 100 turns but can sell for more than 100. Got to test that out.

~SDC~
Reply #27 from Stardock Forums Top
Hell, that's a great tip! I don't recall reading that in the manual. Thanks Ray, Lothmorg, and B :)
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Reply #29 from Stardock Forums Top
Lothmorg - are you having a go at me? Sure, I may not play at Maso, but I still like to consider and try new stuff. The Metaverse is not made up exclusively of Maso players, you know....
Reply #30 from Stardock Forums Top
Yes, but I can't seem to reduce the per turn outlay any lower by increasing it above 100 turns. Maybe you can't buy for more than 100 turns but can sell for more than 100. Got to test that out.
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I can confirm this. I found I can't buy anything cheaper at more than 100 turns but I could sell at more than 70000 turns.
Reply #31 from Stardock Forums Top
No, Wild Wombat, I was just recalling that on maso you can forget trading for money for any length of time. I was not "having a go" by any means. :)

Thanks Ray. That is good to know.
~SDC~
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Reply #32 from Stardock Forums Top
How do you do make interest of techs. What do give them the tech and demand money for it or is this interest thing only on maso game?

~SDC~
Reply #33 from Stardock Forums Top
How do to get interest? What give them and demand money with it, or is it just a thing you can only do on maso?

~SDC~
Reply #34 from Stardock Forums Top
You trade your tech for their money over a number of turns. You get more money by trading over time than you would get if you asked for it in a lump sum, that is why they are calling it intrest.

There is nothing you can do on Maso that you cant do on other dificulty levels. It is the aliens that are restricted, not you. As a matter of a fact this strategy isnt viable on maso because the aliens value money so much on thatlevel.