VN Ren'Py Being a DIK [v0.10.1] [DrPinkCake]

[Alfred the Fallen]

You don't understand, do you?

The bank's interest in Maya and Derek being the guarantors is simple. They are the heirs when Patrick and Helen die. With Maya and Derek as guarantors, the bank secures the repayment of the loans because Maya and Derek are the heirs.

Ergo, when Patrick dies, the guarantee of Maya and Derek comes into force. Maya and Derek then have the opportunity to guarantee the repayment of the loans by working at their deceased father's car dealership. That's why the bank accepted Maya and Derek's guarantee, and for good reason.

There is absolutely no way that a bank would want two untrained children managing their potential assets. The bank is interested in Patrick because he's the one with collateral. If he were to die, then the bank would want to get their money's worth as soon as possible. They would not want to sit around and watch Maya and Derek run the family business into the ground. Maya was only on there because Patrick wanted a way to control her.

 

[dalli_x]

There is absolutely no way that a bank would want two untrained children managing their potential assets. The bank is interested in Patrick because he's the one with collateral. If he were to die, then the bank would want to get their money's worth as soon as possible. They would not want to sit around and watch Maya and Derek run the family business into the ground. Maya was only on there because Patrick wanted a way to control her.

Maya and Derek are untrained and you don't need a college degree to sell cars. A bank is interested in money and not in attachable assets. The longer a loan runs, the more money they earn through interest.

Of course, Patrick wants to control Maya and Derek, and that includes making one of them pass on his car dealership.

 

[Kpyna]

Of course, Patrick wants to control Maya and Derek, and that includes making one of them pass on his car dealership.

And to please them and change their mind, Patrick bringed them a Porsche, which Derek secretly use to drive Maya here and there, right?

 

[felicemastronzo]

You don't understand, do you?

The bank's interest in Maya and Derek being the guarantors is simple. They are the heirs when Patrick and Helen die. With Maya and Derek as guarantors, the bank secures the repayment of the loans because Maya and Derek are the heirs.

Ergo, when Patrick dies, the guarantee of Maya and Derek comes into force. Maya and Derek then have the opportunity to guarantee the repayment of the loans by working at their deceased father's car dealership. That's why the bank accepted Maya and Derek's guarantee, and for good reason.

What would a bank prefer? A guarantor who is able to pay off a loan or to fight an inheritance dispute when the borrower dies and then sell what is seizable so that they can get their money? A guarantor is more profitable.

Patrick is also protecting himself. Why? Maya and/or Derek would then have to work at the car dealership to pay off the loans and at the same time they would earn enough money to provide for Helen, who may still be alive.

The citizenship thing is not theory. It is practice, which I experienced myself at the age of 17. I was a guarantor at that age and I wasn't working at the time. If it's up to you, I should never have been a guarantor, but I was. What you don't understand at all is that a bank wants its money back with interest. A garnishment tries to incur costs that the bank has to bear itself and a bank definitely doesn't want that.

In the case of BaDIK, the bank already has its security through the car dealership. The bank can seize and sell these assets. So it will definitely get its money back, but there are costs involved. But Maya and Derek are bound by the guarantee. So if they don't want to be in debt, Maya and/or Derek have to work at the dealership. Patrick control. This means no more costs for the bank. As a result, the bank's profit is maximized. Achieving the highest possible return with the least possible effort is what every company strives for, and a bank is just a company.

You are wrong

And in my opinion you also know this but you have to continue to support this nonsense. The bank has no use for the heirs to be guarantors, if Patrick died they would also inherit his debt along with the rest anyway, so it would be nonsense

 

[felicemastronzo]

No, I'm not wrong and your problem is that you want to be right despite your ignorance.

Yes, they do, because heirs can also refuse the inheritance. This means that the heirs do not receive any assets and do not have to take on any debts.

You are wrong again

You may refuse the debt but at that point you renounce the inheritance, which the bank has already determined is sufficient to pay the debt. So no problem for the bank

 

[DavDR]

You are wrong

And in my opinion you also know this but you have to continue to support this nonsense. The bank has no use for the heirs to be guarantors, if Patrick died they would also inherit his debt along with the rest anyway, so it would be nonsense

Their's also no guarantee that Maya would even be an heir, Patrick could, and I think would, write her out of the will.

As to the bank, I agree that they would just want to get their money and not trouble with managing a business.

Also, Dalli, selling things, including cars, is a lot more difficult than you think. Maya and Derek haven't demonstrated that they're capable of doing anything but slack.

 

[dalli_x]

You are wrong again

You may refuse the debt but at that point you renounce the inheritance, which the bank has already determined is sufficient to pay the debt. So no problem for the bank

You just don't understand and you don't read properly. I wrote the same thing. Are you trolling or what?

 

[DarkMage73]

You just don't understand and you don't read properly. I wrote the same thing. Are you trolling or what?

 

[felicemastronzo]

You just don't understand and you don't read properly. I wrote the same thing. Are you trolling or what?

The problem is that you do not understand what you yourself write....
If Patrick's assets are enough to pay the debt, as the bank thinks, having Maya and Derek as guarantors would be pointless.

If for some reason the bank had done a bad job, and the assets were no longer enough they would liquidate everything liquidable anyway, rather than leave the business in the hands of 2 novices in the hope that they would make a profit. That would be an unreasonable risk

 

[tomoyakirinto]

very exciting to see it.

 

[noahsombrero]

I don't want to be the devil's advocate, but I don't know of any developers who post reports every week.
Even when there is no development information, he still posts a status update every Friday. Not to mention posting previews, polls, and the annual Q&A.
I certainly wish his status updates were more complete or he kept some sort of progress chart like other developers do, but otherwise I have no complaints about him.

Here's some perspective. Skyrim game developed by Bethesda. The game was developed with deliberate intent that it should be modded extensively and it has. Early on mod makers spent years of their lives creating some good story mods, like Forgotten City for instance which has become available on Steam. But again, years of development for no payment whatsoever. So that early enthusiasm has faded, now what you get are mostly houses, followers and appearance mods.

Because it takes years to make a good story mod to be given away for nothing in return but criticism and "I love this mod, it is my all time favorite, but....."

Here's the thing, some people do well enough at their day job and have free time otherwise and enjoy the modding hobby. And other people want game development to be their day job. Either way there needs to be substantial income for a dev to make games (or mods) possible for the rest of us.

An no foolin, creating these things takes time. Also an unusual skill set, graphic designer, programmer, story teller. For most talented people one of those tends to temperamentally exclude the others, but sometimes us horndogs get blessed.

So count yer blessings.

 

[dalli_x]

Dalli, you're so fucking wrong that it's actually hurting my brain!

We're talking a student loan here, one for 10's of thousands, not even hundreds of thousands.

If Patrick were the recipient of a loan, the bank would not go any further. He has a house, he has a job, the bank would get their money if they needed to.

If Patrick's house is a rental or somehow has 0 equity, and his finances indicate he actually couldn't pay off the loan, then the bank would deny him the loan. If he were to engage someone to be a guarantor in order to get the loan, the bank would once again confirm that this new cunt can pay off the loan. If it was Maya, they'd deny her ass too.

That's how loans work.

If Maya got the loan and Patrick was the guarantor, then that'd be totally legit.

And all this bullshit about Patrick dying? If he died and had creditors chasing his ass, they would rape his estate etc. before his useless offspring get to inherit shit.

That's how shit works.






Giving a developer 5 bucks so you can jerk off to his game isn't the same as buying a car or a house, it's more like buying noodles from a hawker stall, you could get diarrhea, or it could be orgasmic!

Patreon works. People part with money and developers make money. It works. So until it stops working, it's not gonna change much.

Maya and Derek don't have student loans.

 

[ChipLecsap]

I dont know what is going on here but Fuck you Dawe

 

[katzenstreu]

But Maya and Derek are first-degree relatives of Patrick and so they will definitely receive a compulsory share of the inheritance.

i dont think so.
if its written down in a testament that (for example) a homeless shelter gets all the money and stuff all relatives are fucked.

 

[Kpyna]

I made a wallpaper for my waifus. Feel free to use it

Thx. But...

Use it how?

 

[noahsombrero]

Thx. But...

Use it how?

Desktop wallpaper, for instance. It looks like it was designed with a superwide monitor in mind.

 

[katzenstreu]

No, they are not, because they can sue for their compulsory share of the inheritance.

dont forget that the game is not playing in germany.

 

[Kpyna]

Maya and Derek don't have student loans.

Probably the most reasonable part in the whole discussion. They don't know what they signed. The Jill's question and explanations are also a good clue, that it's probably not the proper "student loan" but a loan of the other type and nature used to pay for the tuition. And the "Finnman bank" is the one, that's probably gives loans and credits for Patrick's car dealership customers. Patrick used exactly this bank to get the loan for Maya & Derek. And MC reads all that from the papers in the binder. And what's more interesting - Helen's bills (which are paid) is in the same binder, for some reason. Coincidence?

Desktop wallpaper, for instance. It looks like it was designed with a superwide monitor in mind.

I was expecting for more spicy and nasty options, tbh

 

[whiterabbit23]

It's not bugged -- the author specifically doesn't want people to use mods while playing his game. He's put some checks in it which, if they detect a mod is in use (or was used previously) shut down the game.

You'll either need to play with a mod which can work around it, or play without mods.

But i am not using a moded version, i downloaded the version from here and installed it and played it, and it all goes well until I get back to the house after I have sex with Quinn when I go with her on her drug run, and then it shuts down

 

[katzenstreu]

Probably the most reasonable part in the whole discussion. They don't know what they signed. The Jill's question and explanations are also a good clue, that it's probably not the proper "student loan" but a loan of the other type and nature used to pay for the tuition. And the "Finnman bank" is the one, that's probably gives loans and credits for Patrick's car dealership customers. Patrick used exactly this bank to get the loan for Maya & Derek. And MC reads all that from the papers in the binder. And what's more interesting - Helen's bills (which are paid) is in the same binder, for some reason. Coincidence?

its pretty obvious that patrick used mayas and dereks loans to pay his bills.