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Secret Master

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A cautionary tale for anyone in the Eurozone. :)

AHDNationalBankRage.png
 

Secret Master

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So your bank was loaning money to the French?

They loaned a ton of money to the French, who defaulted, causing a credit crunch. There was no money to loan me when I spammed ironclads. The bank had less than 200k in it after they defaulted. That was so little cash compared to my income that I was caught completely by surprise when bankruptcy hit. I went bankrupt because there was no more money to borrow; the interest payments were 1% of my tax income. :wacko:
 
Aug 30, 2009
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If you lend 1000000 to someone and he can't pay back, he's screwed. If you lend 300000000000 to someone and he can't pay back, you are screwed.

Welcome to the real world. We are seeing this issue right now between the US and China, you know, to big to fail.


My latest rage is when the AI in AHD pauses your game every second or two because it popped some message about new patramony or some other event that there is only one choice to, but during a war when your reserve his 0 and your debt starts to skyrocket... not a word.
 
Aug 30, 2009
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Colonial Jingoism!
Declare war on the UK as the USA (2nd in the world), half of my minimal amount of allies join me the others say no... England calls her allies... Austria, Spain, France, Sweeden, Russia, Prussia, Mexico, and USCA PLUS all of their spheres... YEAH! SCREW THE USA!
Wow... Every get the feeling this game is programmed to specifically screw the player over?
 

calvinhobbeslik

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Colonial Jingoism!
Declare war on the UK as the USA (2nd in the world), half of my minimal amount of allies join me the others say no... England calls her allies... Austria, Spain, France, Sweeden, Russia, Prussia, Mexico, and USCA PLUS all of their spheres... YEAH! SCREW THE USA!
Wow... Every get the feeling this game is programmed to specifically screw the player over?

Allies are more likely to join in an offensive war than a defensive one.
 
Aug 30, 2009
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Attack British in Canada.
My army 50, theirs 30.
their str goes from 30 to 25 to 20 to 15 to 10 to 5 to 1 to .9 to .8 to .7 to .6 to .5
YOU ARE VICTORIOUS!
Enemy troops retreating to toronto, will arrive blah blah. Army str... 25 men.
FUUUUU
Enemy troops arrive, INSTANTLY REINFORCE TO 10 STR
RRRRRRRRRRAAAAAAAAAAAAAAGGGGGGGGGGGGGGGEEEEEEEEEEEEEEEEEE
 

calvinhobbeslik

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Attack British in Canada.
My army 50, theirs 30.
their str goes from 30 to 25 to 20 to 15 to 10 to 5 to 1 to .9 to .8 to .7 to .6 to .5
YOU ARE VICTORIOUS!
Enemy troops retreating to toronto, will arrive blah blah. Army str... 25 men.
FUUUUU
Enemy troops arrive, INSTANTLY REINFORCE TO 10 STR
RRRRRRRRRRAAAAAAAAAAAAAAGGGGGGGGGGGGGGGEEEEEEEEEEEEEEEEEE

They reinforce at the end of every month.
 

adijarca

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How do you post these onto the forum so that you can see them as a picture? When I save mine it doesn't save as a picture file or anything?

you need to upload them to an image sharing site like photobucket or imageshack, after that click the image button in the reply box (looks like a tree) and paste the picture's address in the box where it says "url". done. your picture should appear on the forums.
 

Sovereign

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They loaned a ton of money to the French, who defaulted, causing a credit crunch. There was no money to loan me when I spammed ironclads. The bank had less than 200k in it after they defaulted. That was so little cash compared to my income that I was caught completely by surprise when bankruptcy hit. I went bankrupt because there was no more money to borrow; the interest payments were 1% of my tax income. :wacko:

Didn't this situation used to be covered by Johans "Shady Cabal of Financiers"? Looks like in AHD the Shady Cabal has been removed. Interesting...

(I've not played AHD yet, I have no suitable Windows machine to hand, if only Paradox made games to run on Linux. Sigh)
 

Secret Master

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Didn't this situation used to be cothered by Johans "Shady Cabal of Financiers"? Looks like in AHD the Shady Cabal has been removed. Interesting...

(I've not played AHD yet, I have no suitable Windows machine to hand, if only Paradox made games to run on Linux. Sigh)

Well, it was covered by the shadowy cabal in regular Vic2. I don't think it has been removed, but even in the original, they only loaned a small sum of cash. (Like a couple of thousand).

What I am seeing is that the banks do not always keep up with economic growth in AHD because POPs have a harder time saving money until late in the game. By the end of the game, the national bank might have 45 million in it if I follow sensible tax policies, but prior to 1900, the banks of GPs might only have $400,000 or so in each country. If France borrows $200,000 from each major national bank, then even if they pay it back eventually, you still have a credit crunch; if they default, then what little capital the banks have is wiped out completely.

In other words, my government might be able to raise taxes to generate $100,000 a day, but various national banks might only be able to loan me a total of 200,000. If I buy a bunch of ironclads at the same time, and don't raise taxes assuming that I will just borrow enough to cover the cost and pay it back as they build, then I end up going bankrupt because the ironclads cost more than the value of the combined national banks.

This isn't necessarily a bad thing. Credit crunches should exist and be an important limiting factor. But perhaps a "Credit crunch" warning might help. I know that my government can pay the interest and cover the debts I am incurring. There's just no warning from my finance minister saying "Hey Tsar-dude, the banks are running out of money to loan to us because France killed the national banks of Europe, even though we could pay the interest on millions more. We better raise taxes or cut the budget before we default."

I suppose the shadowy cabal could inject even more money, but that might defeat the purpose of having the national banks in the first place.
 

unmerged(271387)

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