Market Discussions

Hi,
How many investors? 1 Max or more possible?

I'll fill this if it is still available.

https://forums.eveonline.com/default.aspx?g=posts&t=311529&find=unread

You can always use my loan service.... Better interest rate than what you are willing to pay...

Save more, Earn more!!

A few more details about the collateral.
None of the items owned for offer are in inaccessible stations in null sec.
None of the items owned for offer are 0.3 or lower Moon Mining output product.

(If any items offered are in null sec, the lender can refuse it.
There should be a possibility to have the collateral moved or omitted.
I have more than one way or option to omit such items.
A simple one is to transfer the rest of the other hi-sec items to a borrowing pilot.
It would omit the null item and null station.)

=-= > Would I move 10 billion worth of Tritanium for collateralized loan? < =-=
Why not?! I could even get a jump freighter for that price, whether I learn it or buy it!
The first 10b in 2 months might not be worth it, but 20b for 2 trips is worth double that!!


3.


I managed to print your offer yesterday and read it overnight.
I do have a few concerns indeed.

The first concern that came to mind is about the additional 2% interest added for items not in hub.

My question is:
How does this 2% interest apply to the loan schedule?
Is it a 2% on top of the interest rate?
Is it a 2% taken of the evaluation of the collateral?
If not , then what is that 2% interest about?

Note on Collateral Collateral must be in Jita 4-4 or the main Trade Hub in Amarr, Dodixie or Rens
If the collateral is in Any High Sec location, I will charge an additional 2% banking fee for it.

How is that banking fee specifically applied to the deal?
I'm trying to prevent surprises or circumvention of surprise prevention...


Second:
I read your Interest(s) rate is/are:
Interest Calculation = Simple Interest Formula, Not compounded
Interest Rates * revised due to criticism *
1 - 2 Month Loan = 5.25% monthly
3 - 4 Month Loan = 4.25% monthly
5 - 6 Month Loan = 3.25% monthly
More than 6 Month, case by case basis

Please note that your interest calculation, while omitting compounded value, does not include collateral value calculation (and related rates).
I did offer compound interest although I didn't mention it by written yet, if the interest remains unpaid.
(For instance, if I pay the interest from month 1 on month 2, the third month only gets 2 months of compound interest.
If I pay 2 months interest including the first month at compound interest rate on month 2, only the capital and 1 month interest remain on month 3.
If not, all interest are accrued at a compound interest rate.)

Your 4 month to 5 month terms, although set at different intervals, totals 17% in 4 months, against 16.25% in 5.


Third:
I've never used Red Frog or other hauler services.
It's gotten close lately and is getting closer, but I just cancelled one order last week.
I may have paid for one shipment to null but I can't verify it at this time yet.
It's most likely that I didn't complete the procedure at some point.

(It is getting more worthwhile for me to pay for it though, and I find more opportunities for it.)

The only time I tried to pay for an escort to protect my hauling / courier services, I was overcharged.
Not only that, but I never received the escort service, if I didn't get harassed with mischief of false reports.

If I have to move it in hi sec from a dead end system, I probably will or omit the item(s).

(Again, I know more than one way to omit specific items, given the conditions.)


Fourth:
I don't have plans for uncollateralized loans.
I not only want to deal with lenders based on assets, I also want to be able to protect my loan.

There's no use to borrow only to loose ships, assets and other while wardeced by 3rd parties and what not.


There may be other details to work out but I'll leave it at that for now going on the second hour of editing.


On another note,
collateral based:
After reviewing my current files on the matter, I only found some EWA (EVE Wallet Aware) saved files.
(1. or 2. estimate not saved properly. PvE or Hauler)
2. Quantity 1,882,038� , Total 253,923,390.3�
(3. Missing. -Miner)
4. Quantity 6,080� , Total 24,965,388.8�
5. Quantity 96,992� , Total 250,695,049.4�
6. Quantity 1,085,417� , Total 70,250,556.0�
7. Quantity 1,707,010� , Total 67,859,458.4�
(8. Missing. new pilots)
(9. Missing. 2nd new pilot)

= 667,693,842.9 ISK (estimated asset)
I also double-checked on those with
EVE Praisal
Evepraisal - Price check Eve Online items from Cargo Scans ...
(and Asset listings, Inventory...)


20% at compound interest rate = 1.20 after 1 month.
1.44 after 2 months.
1.728 after 3 months.
That is more than 60% interest over a 3 months period.

For a 1 billion loan it is equal to:
1.728b after 3 months.
2.073,6b after 4 months. More than 100% interest, and around the 2b+ offered collateral.

(I can also offer 20% per year, Annual Percentage Rate, but that would be less than 20% per month.
In that case, the compound interest can be accrued monthly, although the values are divided by 12 months.
1b = 1,016,666,666.67 after 1 month.
1,033m after 2 months.
1,051m after 3 months.
1,068m after 4 months = 6.8% interest.)

Risk Aversion

Note on Collateral :
Collateral must be in Jita 4-4 or the main Trade Hub in Amarr, Dodixie or Rens .
If the collateral is in Any High Sec location, I will charge an additional 2% banking fee for it.

Was:
- a 2% based on the evaluation of the collateral, due to extra hauling costs and risks (related to volume)...

Also, that interest calculation did include collateral value calculation.

I do have Ores, although I already sold a lot of it.
I am also aware that Ores is even higher volume than Minerals.

I can also omit those items if that will help to improve the liquidity value of the collateral.


If you revise the Rates to:
1 - 2 Month Loan = 5.25% monthly
3 - 4 Month Loan = 4.375% monthly
5 - 6 Month Loan = 3.50% monthly

Your 4 month to 5 month terms, although set at different intervals, totals 17.5% in 4 months, and 17.5% in 5.


If you revise the Rates to:
1 - 2 Month Loan = 5.25% monthly
3 - 4 Month Loan = 4.37% monthly
5 - 6 Month Loan = 3.50% monthly

Your 4 month to 5 month terms, although set at different intervals, totals 17.48% in 4 months, against 17.5% in 5.

3.55% (5-6) would allow for 4.375% (3-4) to be a higher rate, yet be a lower total amount.

You also offered interest based on unpaid original capital (outstanding principal amount).
It allows to lower the total amount of ISK due from interest on subsequent month repayment's schedule.

---

Updated collateral data:
1. Grand Total: Quantity 111,819� , Total 120,924,443.0�
2. Quantity 1,882,038� , Total 253,923,390.3�
(3. Missing. -Miner)
4. Quantity 6,080� , Total 24,965,388.8�
5. Quantity 96,992� , Total 250,695,049.4�
6. Quantity 1,085,417� , Total 70,250,556.0�
7. Quantity 1,707,010� , Total 67,859,458.4�
(8. Missing. new pilots)
(9. Missing. 2nd new pilot)

= 787,988,285.9 ISK (updated estimated asset)


1. Grand Total: Quantity 111,819� , Total 120,924,443.0�
Regions:
1) Metropolis, 2) Heimatar, 3) Domain, 4) Lonetrek, 5) The Forge, 6) Molden Heath, 7) Derelik, 8) The Citadel, 9) Sinq Laison, 10) Essence,

Systems:
1) Jita IV - Moon 4 - Caldari Business Tribunal
2) Rens, 3) Hek
4) Aldrat, 5) Emolgranlan, 6) Nakugard, 7) Deepari, 8) Altrinur, 9) Ikami, 10) Sarekuwa, 11) Taff, 12) Orkashu
13) Eystur, 14) Teonusude, 15) Jouvulen, 16) Gamis, 17) Uedama,
18) Adrallezoen, 19) Charmerout, 20) Hadaugago, 21) Embod, 22) Lanngisi, 23) Purjola, 24) Halaima, 25) Lanngisi
p. 18 of 80...
26) Adrallezoen, 25% of 80 pages...

Possible Dead-end:
27-1) Pator


Have no fear, I did have more than 2 billion worth of physical assets.
Those also included ships and no moon mining products yet.
All the PI products were also sold way back and so won't be offered until the next extraction cycle(s).
I can also get more items, and have them stored in high sec for sale.
I plan to increase the value of the assets at over 6 billion shortly.

I also have a pod pilot who specialized in Trade, and gets charged 0.75% tax on Regional trading.
That allows him to fly to a region and sell assets on the first system reached in that Region.


I can also haul the highest value assets to 1 system and/or region.
I can also make multiple contracts per Major Trading Hubs.

Sorry... fixed cspa already... evemail sent.

Updated collateral data:
1. Grand Total: Quantity 111,820� , Total 110,077,967.7� Average (Buy)
- - [+Total 245m Average (Sell) (Microsoft Excel - /!\ This file is corrupt and cannot be opened.)]
2. Quantity 1,882,038 , Total 185,183,554.48 Average (Buy) - [+Total 417,436,451.3� Average (Sell)]
3. Quantity 117,945 , Total 117,198,868.84 Average (Buy) - [+Total 219,830,647.5� Average (Sell)]
4. Quantity 6,080� , Total 13,920,513.13 Average (Buy)
- - [+most of the time : not responding , 56,712,986.71 Average (Sell)]
- - [Run-time error '-2147467259 (80004005)': Disk or network error.]
- - { + Errors occurred - See the logfile 'C:\Program Files\EVE\launcher\appdata\EVE_Online_Launcher-
2.1.6555130.win32\launcher.exe.log' for details [OK] }
to (@ 21:42):
4. Quantity 6,180� , Total 14,149,635.07 Average (Buy) [+ Total 13,523,936.94 Median (Buy)]

5. Quantity 97,543� , Total 177,466,434.46 Average (Buy)
6. Quantity 89,982� , Total 89,833,111.02 Average (Buy)
7. Quantity 3,421,146� , Total 68,379,220.5� Average (Buy) - [+Total 72,763,892.4� Average (Total)]
8. Quantity 19,265� , Total 174,918,415.78 Average (Buy)
9. Quantity 287 , Total 26,446,079.44 Average (Buy)

= 963,653,286.59 ISK updated Average (Buy) after 19+ hours + 4.5 hours = 23.5 hours + 4 hours = 27.5 hours)

Mean, Median, Mode, and Range
Mean, median, and mode are three kinds of "averages".
(The "mean" is the "average" you're used to, where you add up all the numbers and then divide by the number of numbers.)

The "median" is the "middle" value in the list of numbers.
To find the median, your numbers have to be listed in numerical order, so you may have to rewrite your list first.

(The "mode" is the value that occurs most often. If no number is repeated, then there is no mode for the list.)

(The "range" is just the difference between the largest and smallest values.)

I'll try to test the Medians shortly and compare with the EWA's Average Reports.


I also have some EWA videos I recorded while saving the value of the collateral.
I don't know if I can publish them or link them here yet.
I will try to verify for authorization and try to get such authorization.

(Also, most of the videos gets interrupted by other parties in the background which makes it worthless to publish.
They are mainly used to extract data or for future editing to show part of it later...)

Edit 19:56:
I managed to login from another system.

Edit 2 20:13:
Bandicam video recording program works with audio, but not EWA.
It will not load even if run as Admin.
I will try to verify that it is possible.

Edit 3 20:18:
I managed to run a video of the EWA installation as admin failure but I had twitch audio in the backgound.
The background noise is loud and the recording would have to be restarted.

Edit 4 20:50:
Fixed and recording without confusing bg noise...

Edit 5 21:19:
Apparently failed with Admin settings.
After install:
DB initialisation failed
Error accessing database :
C:\ProgramData\EVEWalletAware\DATA\EVEWalletAware.mdb. Do you
wish to browse for EWA's database?
[Yes] [No]
When I chose Yes.
It opens C:\ProgramData\EVEWalletAware\DATA\ folder with EVEWalletAware.mdb file to select.
(I presume that it is the file to select, although it seems to be the result of an install without admin.)

It opens a pop up stating:
Restart application
(i) Please restart EWA in order to apply the new database location.
(Which did not work.)

Edit 6 21:34:
Found the problem(s), it was installed as admin correctly.
Except that it also requires in step 2 to be Run as Admin.

Edit 7 22:01:
I will now verify on Fuzzwork Evaluator for The Forge value related to Jita 4-4 prices.

Edit 8 22:21:
8. Volume 247,811.40 , Total 103,918,854.24 ISK The Forge (Buy) - [not 174,918,415.78 ISK Average (Buy)]
70,999,561.54 ISK less... Or 59.4% of the average (Buy) value.

Look mate here's the thing , me and multiple others have told you before that you have a tendency to make things overcomplicated and allmost unreadable.

Now in this new thread you are adding even more 'ow the f , what the hell am i looking at' to it.


For your own and your business sake , keep it SHORT and to the point . Reading just the first few posts gave me a huge headache and i don't think many people would want to go through reading all of that before they can conclude what the offer is about and if it is something they would be interested in .It is also the reason i stopped responding to your mails the last time .

I'd help you out if i could but the mail you send me last time because you thaught i was trolling you also didn't make much sense to me.I suggest asking a friend of yours to help you out .Again this is not meant to troll you , i believe you are trying to run an honest offering here , but your not really helping to get it moving faster at the moment.

I REALLY doubt it is a troll , too much time spend into it from the OP.I genuinly believe he is trying to get this loan and is being honest.For some reason , i suspect english not his best language , he can't seem to get a short coherent post up.

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