Negative Interest Rates and Valuation

[Valentino LeBek]

Why do I keep getting negative interest rates? I just got charged -$209,550. I don't know much about finances, let alone what negative interest rates are. I couldn't find a reason of definition in game.

I'm also confused about valuation. I own a few buildings, as well as a few businesses, but it doesn't seem like my valuation is going up.

[ViperDC]

Holding cash will lead to negative interest. You should have been informed of this and taught how to invest if you're playing the story mode.

Cash from business income + assets. So how quickly it goes up depends on how well your businesses are doing.

[Admiral General]

So if I take the gambling money and put it into assets its still doesn't count? I have 6 businesses, 56k income, and a valuation of -29k with no loans. Has to be a bug. Plus it would be nice to see the networth math layed out so we can make changes if we have to.

[ViperDC]

Money earned gambling in international waters is not legitimate and doesn't count towards your evaluation. As I understand, you need to clean it by turning it into legitimate business income.

[Deam_Rules]

uncle Fred told you to invest most of your cash to avoid negative interests!
i think the limit is like 1,5-2 mio - not sure tho.
just keep pumping that casah into investments unless u wanna buy something big.
but u can also extract that money of the investments in no time, its not like in RL ;D

[Admiral General]

I think even the income from investments bought with the gambling money doesnt count.

[[OV]RPGforYOU]

If bank balance on monday more then 50K you will be charged negative bank intrest.

[petehandsome]

Originally posted by OVRPGforYOU:

If bank balance on monday more then 50K you will be charged negative bank intrest.

Is there any way to avoid this?
i make over 500k a day, Even when i zero my bank balance the interest is still charged since the 'check' comes Monday 00:00 after i get paid from my businesses on Sunday 23:59.
i'm getting hit for 35K when the majority of my companies make under 30K.

That one charge nulls the daily income of my bottom 8 businesses.
i'm sure my lawers can work out a write-off.
i'll see you in court!

[Daniel]

In big, the negative interst it's a war between the rich people..., shark vs shark, the first shark it's the one such as this game, they sell thing in buying low and selling at the higt price of thief to steal the money of the normal or poor people to make more money,

the second shard it's the one they have no interaction with the poor or normal people, such as the bank but want to make big amount of money in making nothing,

but the shark of the finance (bank) don't love when other shark have money sleeping in her bank account, so they try to eat the other shark to take her money, becuase if the rich don't need to take loan to buy thing, the bank don't make money, so they charge negative interest to be able to make money with her, ect...,

and the other shark they betrayed people (market) in selling her thing at high price, don't love the other shark eat her money, so they keep it active to not pay negative interest,

in big, if the bank don't give loan, they don't make money and they need to pay thing such as anyone and her 25 million of salary for her director and other 15 million to an another people they work in bank and other 10 million by year to an another, so they make this to make always money whaterver you made and whaterver it's happend, to be able to continue to live in the luxure in making nothing...,

you take loan, you pay interest, you don't take loan, you pay interst anyway if you have a certain amount of money in your bank account, ect..., but it's only a problem of rich people they try to eat each other ha ha ha...

[jhughes]

The developer said in another post that negative interest is there to simulate inflation. I looked at 3 times I got hit with negative interest and it was 0.00503 times my bank balance. If you own a building or invest the money, it is not impacted by negative interest. It is only applied to money sitting in your bank account. Use it or lose it.

Note: It does not seem the investments at the bank have a required time limit. You can invest 2 million on Friday and take it all back out on Monday if you need it. I'm not telling you to do that.. But do it.