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Also remember that the bank is using your stored gold to calculate the maximum interest rate. So get the credit first - then sell your goldbars.
So what your saying is the more gold in your account at the time of applying for a loan the better the interest will be ?
who woulda thunk it
Borrow 200k, pay back 600k GG. So my advise is just stay away from the bank its not even worth having it in game tbh.
And yes - the bank calculates your gold storage as collateral - like a real bank would.
Thing is I now see myself NEVER taking out loans for anything (except at the very beginning to get hog pan pump). I almost think they need to dial it back a bit so players aren't brutally punished for using loans, but that's just a game balance thing for the devs to look at I suppose.
im now getting around 50 oz of gold per 16 buckets now, just desperate to get tier 3 without using the 1$ cheat
This goes with all equipment that holds dirt. Fill it up to 100% or just under then start it up and start working does save on a bit of fuel.
Taking the time to search for story stuff also helps there is a thread on here now showing where some of the pages are hopefully everyone will chip in to get locations of all.
Workers for cleanouts?? toss up depends on how much cash you have on hand and how much gold you are getting out of the spot your digging in. (remember no drilling machine your digging blind so 50/50 on amount of gold you going to get) That and the fact you waste a lot of time traveling back and forth to keep cash on hand to pay workers if you have not stocked up on cash before you hired them.
If you have been diggin in the hand dig area only (this just popped into my head) and its all cleaned out you may be able to move your set up to main area and keep hand digging for a little while longer fuel costs would stay lower for a bit.
Forget about loans buy piece by piece for your tier set up remember you dont need to use it but you can store it till your ready to set up and this will make you feel good about the non stop digging as your next tier starts showing up on site.
But id have to say main thing as slow and painful as it is. You can save up from hand dig area to purchase claim which you want to do asap then everything is yours.
Only other little tid bit i can think of atm is purchase the big fuel tank asap. Does not matter if you can move it around claim or not yet but it will save you time on running for fuel. you dont need to fill it all the way if your short on cash just enough to keep you going. Saves alot of time (dont need to drive to town to fill small tanks) run across to tank and fill or haul small trailer tank over and top it off.
yea back end of the claim has the best gold and does take forever main reason why we see so many post for multi player lol (No we are not discussing that in here plus its been beaten to death already lol) but with the talk of loosing gold when it falls down best bet is to have a dozer and push your pile up and then collect it with whatever this way you can build a road down to the bottom without as much gold going bye bye
another thought if you want to take the time is to build a ramp in this game the dirt kinda goes straight down no slope so it would be possible to build a ramp up so you can park mobile wash plant beside and possibly dump into it with truck or loader.
Thinking of trying out the ramp idea in the $1 mode for the mobile wash plant see if its worth the effort dozer loader fill plant may be the way to go if trying to get to bottom and not have huge holes all over the place. That or dig down enough to get mobile plant level with ground and go from there.