1 (edited by Amar 16-Mar-2011 18:10:25)

Topic: Way of The Banker

This guide is not so much meant for new players to learn how to bank, but it is more aimed at experienced bankers seeking to perfect their skills. In this guide an attempt was made to create the best strategy for a banker with maximum income. Most of the statements made have calculations to back them up, for those that are interested.

The banker guide consists of 3 stages:
1. Pure CF banking for optimal growth and fast money
2. Banking with CF/TO ratio for better income and growth
3. Pop banking LQ/TO

a.k.a Vladimir & Ariana
<Amar> are you a fail attacker that gives up quick or die hard hc attacker to the core???
<ThaMadDog> nither
<ThaMadDog> i'm a bitch that [BLAM] you while your asleep and rapes your bankers
*No "F" bombs in your signature. -Arby3

Re: Way of The Banker

Biggest concern i point out quickly is why not start out popper, if you end up razing your CFs and RCs ..

LORD HELP OREGON

3 (edited by Amar 16-Mar-2011 22:37:16)

Re: Way of The Banker

If you start as a popbanker and FB your homeplanet with LQ's  then you will have to wait:
10000*1,055^t=172500
t=53 ticks

Basically with 10% growth, you will have to wait 53 ticks before you actually reach your full potential. Meanwhile the CF banker will have enjoyed 53 tick of income and outgrow you by a lot. So starting out with popbanker is not a smart thing to do.

Funny thing is, that even if you do reach full potential, chances are the CF banker still makes more than you do since market food prizes in the beginning of the round can skyrocket; and the last thing you want to do is be dependant on yet another resource this early in the game

As for the razing all CF and RC's, i know it sounds absurd but the money you make more as a Tax banker over RC/TO/CF banker is worth more than the RP points you get from your RC's. As for switching from Tax to pop, I believe it was somewhere between 1-2 days before the popbanker surpasses the costs of the jump and the money the Tax banker earned meanwhile. If you or anyone else is interested I can find out howmuch it is exactly.

a.k.a Vladimir & Ariana
<Amar> are you a fail attacker that gives up quick or die hard hc attacker to the core???
<ThaMadDog> nither
<ThaMadDog> i'm a bitch that [BLAM] you while your asleep and rapes your bankers
*No "F" bombs in your signature. -Arby3

Re: Way of The Banker

You need to keep in mind that you can aid out your leftover cash and resoruces, thus the waste can be reduced by alot..

Others can build while your pop is growing

LORD HELP OREGON

Re: Way of The Banker

I don't understand what you mean, perhaps you could clarify with an example? Currently I am working on some calculations on CF banking vs Pop banking as a start, and see how fast every style grows if 5 ticks of income is used to build infra.

a.k.a Vladimir & Ariana
<Amar> are you a fail attacker that gives up quick or die hard hc attacker to the core???
<ThaMadDog> nither
<ThaMadDog> i'm a bitch that [BLAM] you while your asleep and rapes your bankers
*No "F" bombs in your signature. -Arby3

Re: Way of The Banker

What i mean is that you are only considering one empire.

What if you can just aid out at start, and wait for pop to grow, and then when it fits, you recieve a jump..

The same empire doesnt have to spend all its income  as its produced

LORD HELP OREGON

Re: Way of The Banker

So Noir, what you are saying, is that because pop bankers grow so slow they should aid out their income whilst pop grows at bor, to then receive the income of others as pop has become fully grown to then build, in order to grow slowly again, slowing down the fam's growth in the process as compared to the fast growth of cf bankers who can aid out as well and receive aid as well (so this shouldn't be any difference, except that the cf banker will aid out more due to faster growth of income due to building times and pop growth time)  but are able to grow faster in early stages due to low building time of CF's as compared to LQ's+pop growth?

Maar doodslaan deed hij niet, want tussen droom en daad,
Staan wetten in de weg en praktische bezwaren,
En ook weemoedigheid, die niemand kan verklaren,
En die des avonds komt, wanneer men slapen gaat.

8 (edited by Noir 19-Mar-2011 11:30:27)

Re: Way of The Banker

Ok your post was fairly hard to understand, but i will explain it more carefully.

Pop bankers have the most porfitable growth of all bankers when doing it correctly, however because of the dependency on actually having population on planets, a pop bankers can only really grow at a certain speed without damaging his profitability

Many pop bankers will try to force growth to go quicker than what is optimal, (they might not like to aid out, or just plan stupid (who knows)), by spending too much cash too early on early exploration, or going to bizarre TO/LQ rations (above 60%+ TOs) because they dont have pop

Therefore i would advise poppers to have patience, the growth of population is exponential, because you are not on top of your fam early doesnt mean you are doing something wrong. You can always get passed planets later and when your planets have decent and even population you can make huge jumps towards incomes that a CF banker can never achieve.


If we assume the following market prices
Iron 11
Food 11
Endu 20

The cost of a CF is 250 with an income of 8 giving a repayment in 31 ticks (after the 5 ticks build time)

The cost of 1 building in a 50/50 mix of LQ/TO is 440 with an income of 21,67 and food cost of 3,5 totalling on 18,17 giving a repayment in 24 ticks (after the 12 ticks average build time)

The per tick return on investment is 8/250 = 3,2% for the CF banker and 18,17/440 = 4,1% for the popper

Proving that if managed optimally a pop banker is more profitable than the CF banker right from the start of the round, the issue is just to not make bad decisions as a pop banker, and dont overspend to force your early growth.

Later in the round when you add science and overbuild into the equation, the income will go even mor ein favour of the popper, but ofcourse this is allready common knowledge

LORD HELP OREGON

Re: Way of The Banker

i can dumb it down ur still not getting it tongue no offense tongue

LORD HELP OREGON

Re: Way of The Banker

/me deletes post and admits not knowing much about pop banking sad

Re: Way of The Banker

No i mean your post was sorta spot on actually, i was more talking to the other guys.

Basicly the idea is that pop banking cant be dismissed early just because "your pop isnt growing fast enough", because that is a problem we can work around.

Its like saying "dude this pure CF build is really failling cause you have no food, youre starving to half income!" Well then you would by some of market wouldnt you? Or get it aided from a family member?

You have to compare the best of CF banking to the best of Pop banking, not a straightforward CF build to a noob popper...

LORD HELP OREGON

Re: Way of The Banker

pop start is totally viable as long as u are not the only banker in the family.

<parrot> there is also the odd  possibility that tryme is an idiot
<KT> possibility?
<genesis> tryme is a bit of an idiot
<Torqez> bit?

13 (edited by Amar 19-Mar-2011 12:15:35)

Re: Way of The Banker

Noir your calculations are ONLY correct if you assume that the popbanker has maximum population on the planet. It takes 52 ticks before your population is full grown, the CF banker will have a huge headstart by then. I am almost finished with my own calcs to show you.

Also, in your calculation you are not taking into consideration empire cost, this is a significant factor as the popbanker has many times more NW than a CF banker. Moreover, iron price is more like 20 at the start of the round, since everyone jumps their bankers first but I would atleast take 15 for iron cost (the game gives it a cost of 15 gc each). Still I know that the growth of a popbanker will be faster once his population is full grown. That is not a suprise for anyone, but we are talking here about which one has the best start.

If you presume that a CF banker can double his infra every 24 ticks:
tick 0 --> banker has 250 CF
tick 24--> banker has 500 CF
tick 48 --> banker has 1000 CF

while popbanker will have at tick 52, 250 LQ"s with full grown pop

income CF banker: 1000*8*1,6=12.8k per tick
income popbanker: ((250*650)/30)*1,6-(0,2*250*650*0,1=food cost at 0,20 gc)=5.4k per tick

I haven't yet finished my completle calculation to show that a CF banker can indeed double his infra every 24 ticks, but I am working on it.

As you can see, the income of the CF banker is double of that of the pop banker. Ofcourse, this calculation is not entirely accurate as the popbanker makes cash when his population grows and thus can grow as well and does not stay constant at 250 LQ"s.

a.k.a Vladimir & Ariana
<Amar> are you a fail attacker that gives up quick or die hard hc attacker to the core???
<ThaMadDog> nither
<ThaMadDog> i'm a bitch that [BLAM] you while your asleep and rapes your bankers
*No "F" bombs in your signature. -Arby3

Re: Way of The Banker

I will retort later when i have time, but just by readin your fisrt 2 sentence you show me that you are not understanding what i am saying..

You are saying the popper is bad cause he has to wait, while i say, thats np, let him wait build someone else in the meantime.... We can even use that popper to do TO trick if we want.. And the 52 ticks is on new planets, they can be used for TOs no problem...

For ur other calc ill look later, but stop using the 52 ticks for popper, it makes u lok bad wink

LORD HELP OREGON

15 (edited by Amar 19-Mar-2011 12:27:28)

Re: Way of The Banker

You are indeed correct when you say that I don't understand your reasoning, if a CF banker can grow faster and have the double income of popbanker after 48 ticks of start of the round, then why the hell would you start as a popbanker?!! Because others can grow meanwhile? How is that an argument. Others can grow meanwhile when you have twice as much income as well. Infact they can grow much faster. Stop using this argument, it makes you look bad wink

a.k.a Vladimir & Ariana
<Amar> are you a fail attacker that gives up quick or die hard hc attacker to the core???
<ThaMadDog> nither
<ThaMadDog> i'm a bitch that [BLAM] you while your asleep and rapes your bankers
*No "F" bombs in your signature. -Arby3

Re: Way of The Banker

you start as a pop banker because the fam can focus resources on the cf bankers. since at the start u cannot build 4 cf bankers at the same time.

<parrot> there is also the odd  possibility that tryme is an idiot
<KT> possibility?
<genesis> tryme is a bit of an idiot
<Torqez> bit?

17 (edited by Amar 19-Mar-2011 12:55:40)

Re: Way of The Banker

Ok Noir I finished half my calculation and have now to proof to show you that a CF banker can more than double his income in the first 48 hours:

Assume that you are a CF banker with 250 CF at tick 0.
For 5 ticks, you save your cash. No decay taking into account. Your money will then be 250*8*1,6*5=16k
At this tick you login, and you use all that 16k to build a CF. The cost of a cash factory, if you assume that iron is 12 gc and disregard endurium (as both LQ's and CF need 1 endurium) is: 240 gc each.

If you divide 16k by 240, you can build 67 CF. At tick 10 you will have saved for 5 ticks and your new CF will be ready. Meaning you will have 317 CF and 16k cash. You will start using your 5 ticks saving again for another 67 CF and at tick 15 you will have 384 infra and 20288 gc saved. If you continue this process you will get this:


Tick     Infra   Sum Cash   Income
0         250     0                3200
5         250     16k            3200
10       317     16k            4057
15       384     20288        4915
20       469     24575        6003
25       571     30015        7314
30       696     36570        8910
35       848     44550        10859
40       1034   54295        13230
45       1260    66150        16130
50       1536    80650       19565


As you can see, CF banker increases their initial infra 6x within only 50 ticks. Right now I have driving lessons and then I am going to a friend and a party, so I won't be able to respond untill sunday and post the calculations of the popbanker.

a.k.a Vladimir & Ariana
<Amar> are you a fail attacker that gives up quick or die hard hc attacker to the core???
<ThaMadDog> nither
<ThaMadDog> i'm a bitch that [BLAM] you while your asleep and rapes your bankers
*No "F" bombs in your signature. -Arby3

Re: Way of The Banker

lets not using the 1 empire vs 1 empire calc and do a 3 empire simulation

3 cf banker vs 2 cf banker + 1 pop banker using pop start

noir u might wanna do the simulation

<parrot> there is also the odd  possibility that tryme is an idiot
<KT> possibility?
<genesis> tryme is a bit of an idiot
<Torqez> bit?

Re: Way of The Banker

Amar i will do this calc for you aswell then using the same prinicple that you are using.

Since the average build time of LQ/TO is 12 i will use intervals of 4 instead of 5 tho..

Also, food prices should be assumed to be basicly equal to iron, and both of them should be assumed around 12 since that fairly balances it with CFs. So lets assume 12.

BTW u cannot ignore endu becuase since you build more CFs they have a higher endu cost, but i will ignore that small difference atm.

First keep in min my main argument it that when having a complete family you can choose what players to build at the time, but for this exercise i will play along and assume just 1 empire.

The income of one unit of LQ/TO is then = 650*1,6/30 - ((0,5*650)/10*0,12) = 30,7

Cost per building = 440 Meaning i will start with 250*240/440 = 136,4 buildings.


Since you are assuming this CF banker has 250 completed CFs allread tick 0 i will assume the pop banker also has 136,4 filled up LQs tick 0. If u wanna do real simulation later, lets make adjustments..

Tick    Infra Cash    Income
0    136    0            4187
4    136    16750    4187
8    136    16750    4187
12    136    16750    4187
16    174    16750    5356
20    213    21425    6525
24    251    26099    7694
28    289    30774    8862
32    337    35449    10357
36    397    41428    12178
40    467    48712    14325
44    547    57301    16799
48    641    67195    19689
52    752    78757    23088

As you can see the result is basicly the same..

But the pop banker has a higher acceleration and will be pulling ahead wink

LORD HELP OREGON

Re: Way of The Banker

> Rin wrote:

> you start as a pop banker because the fam can focus resources on the cf bankers. since at the start u cannot build 4 cf bankers at the same time.




Well I guess it depends on howmany players you have in your family and howmuch starting resources you have. But yes, most of the time it is impossible to FB 4 CF bankers that's why people use the 7 TO's strategy. But I can also assure you that FB 4 pop bankers or 3 CF and 1 pop banker is even more impossible, infact 250 LQ's = 458 CF almost 2 FB CF bankers. If anything, your argument only supports the CF starting startegy since I proved in the previous post how fast a CF banker can grow.


> Rin wrote:

> lets not using the 1 empire vs 1 empire calc and do a 3 empire simulation

3 cf banker vs 2 cf banker + 1 pop banker using pop start

noir u might wanna do the simulation




As for your other post:
3 CF bankers = 2 CF bankers + 1 Pop bankers

subsract 2 CF bankers from both sides and you get
CF banker solo empire vs Pop banker  solo empire

So mathematically, it should not make any difference but perhaps I am overlooking some factors so if you or noir could elaborate......

a.k.a Vladimir & Ariana
<Amar> are you a fail attacker that gives up quick or die hard hc attacker to the core???
<ThaMadDog> nither
<ThaMadDog> i'm a bitch that [BLAM] you while your asleep and rapes your bankers
*No "F" bombs in your signature. -Arby3

Re: Way of The Banker

> Amar wrote:

As for your other post:
3 CF bankers = 2 CF bankers + 1 Pop bankers

subsract 2 CF bankers from both sides and you get
CF banker solo empire vs Pop banker  solo empire

So mathematically, it should not make any difference but perhaps I am overlooking some factors so if you or noir could elaborate......







This is the issue Amar, you cannot just subtract them, because the team with 2 CFs and 1 popper can adapt more to the situation, When the population on the poppers planets are low on pop, he can simply aid the CF bankers and let them grow first. When his population catches up, they can start building the population banker, and with the exponential growth of population, he will eventually be catching up smile

LORD HELP OREGON

22 (edited by Amar 20-Mar-2011 19:36:29)

Re: Way of The Banker

First of all, let me say that I am thorougly enjoying this discussion.

As for your 'simulation' of the popbanker, you made 2 assumptions:
- The 136 starting LQ's have maximum population at tick 0
- According to your calculation, when one jumps from 136 infra to 174 infra, the population is maxed in 1 tick

Because of those 2 assumptions, your simulation is invalid. You made the exact same assumption in your previous post, with the exponential growth of a popbanker which is too incorrect.

A more realistic approach:
The population of a popbanker grows from tick 1 till tick 50. Meaning that with 136 LQ's at tick 1, the pop will only have the income of base population and at tick 50 he will have the max population. Every 5 ticks of saving, if the popbanker uses that cash to build more LQ's, then new population will start to grow. This population too grows from the tick it is build till it is maxed. Meaning that the total population= old pop + newly build LQ's. If we continue with this principle we get the following growth:

Tick    Income Pop    Population    Infra            Food Con             Food Cost
1    351,6666667    10550            136        1055             211
2    371,0083333    11130,25            136        1113,025             222,605
3    391,4137917    11742,41375    136        1174,241375    234,848275
4    412,9415502    12388,24651    136        1238,824651    247,7649301
5    435,6533355    13069,60006    136        1306,960006    261,3920013
6    459,6142689    13788,42807    136        1378,842807    275,7685614
7    484,8930537    14546,79161    136        1454,679161    290,9358322
8    511,5621717    15346,86515    136        1534,686515    306,937303
9    539,6980911    16190,94273    136        1619,094273    323,8188547
10    569,3814861    17081,44458    136        1708,144458    341,6288917
11    600,6974679    18020,92404    136        1802,092404    360,4184807
12    633,7358286    19012,07486    136        1901,207486    380,2414972
13    668,5912992    20057,73897    140        2005,773897    401,1547795
14    705,3638206    21160,91462    140        2116,091462    423,2182924
15    744,1588307    22324,76492    140        2232,476492    446,4952984
16    871,7542331    26152,62699    140        2615,262699    523,0525399
17    919,7007159    27591,02148    140        2759,102148    551,8204296
18    970,2842553    29108,52766    146        2910,852766    582,1705532
19    1023,649889    30709,49668    146        3070,949668    614,1899336
20    1079,950633    32398,519    146        3239,8519    647,97038
21    1269,347918    38080,43754    146        3808,043754    761,6087509
22    1339,162054    40174,86161    146        4017,486161    803,4972321
23    1412,815967    42384,479    156        4238,4479    847,6895799
24    1490,520845    44715,62534    156        4471,562534    894,3125068
25    1572,499491    47174,98473    156        4717,498473    943,4996947
26    1875,65363    56269,60889    156        5626,960889    1125,392178
27    1978,814579    59364,43738    156        5936,443738    1187,288748
28    2087,649381    62629,48144    168        6262,948144    1252,589629
29    2202,470097    66074,10292    168        6607,410292    1321,482058
30    2323,605953    69708,17858    168        6970,817858    1394,163572
31    2711,40428    81342,1284    168        8134,21284    1626,842568
32    2860,531515    85815,94546    168        8581,594546    1716,318909
33    3017,860749    90535,82246    190        9053,582246    1810,716449
34    3183,84309    95515,2927    190        9551,52927    1910,305854
35    3358,95446    100768,6338    190        10076,86338    2015,372676
36    4020,363622    120610,9087    190        12061,09087    2412,218173
37    4241,483621    127244,5086    190        12724,45086    2544,890173
38    4474,76522    134242,9566    222        13424,29566    2684,859132
39    4720,877307    141626,3192    222        14162,63192    2832,526384
40    4980,525559    149415,7668    222        14941,57668    2988,315336
41    5947,787798    178433,634    222        17843,3634    3568,672679
42    6274,916127    188247,4838    222        18824,74838    3764,949676
43    6620,036514    198601,0954    269        19860,10954    3972,021909
44    6984,138523    209524,1557    269        20952,41557    4190,483114
45    7368,266141    221047,9842    269        22104,79842    4420,959685
46    7773,520779    233205,6234    269        23320,56234    4664,112467
47    9219,397755    276581,9327    269        27658,19327    5531,638653
48    9726,464632    291793,939    339        29179,3939    5835,878779
49    10261,42019    307842,6056    339        30784,26056    6156,852112
50    10825,7983    324773,9489    339        32477,39489    6495,478978

Cost LQ
440 gc

Pop  13    Pop 18    Pop 23    Pop 28    Pop 33    Pop 38    Pop 43    Pop 48   
3 ticks    3 ticks    3 ticks    3 ticks    3 ticks    3 ticks    4 ticks    3 tick   
2600    3900    6500    7800    14300    20800    30550    45500   
                                                                                                                                                                                            
                                                                                                
                                                                                                
Sum $
1760
2565,149072
4675
5224
9717,087179
14097,24559
20816,44423
30807,40452

The Sum $ tells us howmuch the banker has after 5 ticks. Divide this number by the cost of LQ and you get a new number of LQ's after 8 ticks. This number of LQ's have a maximum population, which written under "Pop 13". Also, the time it takes to grow that population is written in the same section. Add that population with the old one and you get a new population. From the income, the food cost is subtracted which is calculated by 0,2*consumed food.

A CF banker has 20k income after tick 50 and the Pop banker has 11k income. As you can conclude for yourself, the CF banker earns double the money of the popbanker if he starts with the same resources. In reality this difference is even bigger as the popbanker does not start with a population of 10000 and no empire cost is taken into consideration. Both those factor play a significant role. It takes 56 ticks for a population to reach 10000 at SOR. So in reality, the popbanker would reach this stage at tick 106. If the CF banker continues to double his income every 24 ticks, then at tick 106 he would have an income of more than 80k per tick!!! That is 8x the amount a popbanker makes at that tick if both start with the same resources.

With these calculation I believe the discussion is won by me, unless you have some new exciting insight!

Edit: At some point though, the popbanker will overrule the CF banker since he needs many times less the infra to achieve the same amount of income. That is the point where OB costs will kill the CF banker and stage 3 of my strategy big_smile

a.k.a Vladimir & Ariana
<Amar> are you a fail attacker that gives up quick or die hard hc attacker to the core???
<ThaMadDog> nither
<ThaMadDog> i'm a bitch that [BLAM] you while your asleep and rapes your bankers
*No "F" bombs in your signature. -Arby3

23 (edited by Noir 20-Mar-2011 20:27:13)

Re: Way of The Banker

Well first let me say it is a good discussion, however i believe you are being too narrowminded wink

Remember that this is only a theoretical exercise, you are ignoring so many factors that this is nowhere near how IC actually works.

One fact you seem to get wrong is that the pop banker needs about 50 ticks to double population, it takes only 13 ticks for a revalon to double his population, thus the homeplanet will be at 10k pop in 13 ticks after start

Still you are missing my main point tho, the fact that a constant stream of investment is not optimal in IC, coordinated jumps is the best way to grow!

LORD HELP OREGON

24 (edited by Amar 20-Mar-2011 20:52:10)

Re: Way of The Banker

The formula for calculating population:

starting population * growthfactor ^ time = new population

stating population = 500
growth factor revalon = 1,055
new population = 10000

thus:
500*1,055^x=10000

1,055^x=20

x=1,055log20=56 ticks mate

So after 56 ticks the population reaches 10k and not after 16 ticks as you claim.


Yes indeed, some factors as exploration cost and empire cost are not taken into consideration. However the general idea still applies! I am confident that even if you take those factors in consideration, CF banker will still beat popbanking at sor.

this is what you said earlier and I haven't replied to:

This is the issue Amar, you cannot just subtract them, because the team with 2 CFs and 1 popper can adapt more to the situation, When the population on the poppers planets are low on pop, he can simply aid the CF bankers and let them grow first. When his population catches up, they can start building the population banker, and with the exponential growth of population, he will eventually be catching up smile


How do you expect the popbanker to aid the CF bankers if he has no pop at the beginning and thus no income? As I said earlier, the exponential growth you calculated was not entirely correct and as I have shown in the previous post, if with the same starting resources you would use to build the CF banker, you would have 8x the income tongue

"Still you are missing my main point tho, the fact that a constant stream of investment is not optimal in IC, coordinated jumps is the best way to grow!"

This is the first time you mentioned it lol and if you believe that the your statement would turn the tables completly than please do show.

a.k.a Vladimir & Ariana
<Amar> are you a fail attacker that gives up quick or die hard hc attacker to the core???
<ThaMadDog> nither
<ThaMadDog> i'm a bitch that [BLAM] you while your asleep and rapes your bankers
*No "F" bombs in your signature. -Arby3

Re: Way of The Banker

Starting pop on homeplanet is 5000 "mate" not 500 wink

And 1,055^13 = 2,01 meaning doubles in 13 ticks for a rev



As for the issue you are adressing;

To use your example of the 250 CFs for the CF banker. Say we have 2 teams, one with 3 CFers and one with 2 CFers and 1 popper.

You assume just 250 on all empires, and thus 136 for the popper; however that team can fix that by building just 20 LQs on the popper, and iinstead like 360 CFs on each popper. Then as the population grows they can gradually increase relative investment in the population banker, to reap bigger rewards from the higher profitability of pop banking.

LORD HELP OREGON