Ginko Has Phone Number Now...

It seems that Ginko is getting scared as shit about SL Bank's transparency. Now they have a phone number. The only thing is, some kid answers the phone giving you no info. Oh well, what do you think? Call their number if you got the im.

God bless the forums!

"I'm sorry my Dad is not home right now......."

Don't like my banking? Dial 1-800-EAT-POOP.

~Ulrika~

phone numbers are good.

Well considering they have been paying over 60% per year for the past two years before there was even buy limit orders, Ginko is prob about to go down if they are a Ponzi. I mean hell, now they have SL Bank and NN Bank stealing their deposits. With only 150K USD worth of deposits, how can they even afford a phone number? Ginko is about to go down, I just withdrew my money. Timmmmber.

Actually, the phone thing in answered by Zoren or Dox, neither of them sound like little boys if you actually talked to them. And it had nothing to do with "SL Bank's transparency", as the issue has come up in the forums many times before, and we have given it about the same amount of attention everytime.

Yea right. No names, no answers, just some strange indian sounding guys saying all will be fine. Why else would you raise your interest rates when saying you wanted to lower them while adding more expenses to your bank in the form of a phone number? I mean hell, you'll be spending more on your 1800 number than you do on interest per year. Just asking. Timmmmber.

Strange Indian sounding guy? Hino has a Brooklyn accent, Dox has a Texan accent and kinda sounds like a marshmallow, and Zoren is from Cali. Plus, the whole phone system cost about $30 dollars, from what I remember from Hino getting all excited about messing around with it. In all honesty, the phone system is more of an expirement to see how well it will go, and if we want to add it permently. And your account didn't exceed the double didgets, so I'm not sure why you would create this post about how you "withdrew all of your money" if it weren't to start more "Ginko financial is going down!" drama.

Edit: Also, I believe it's 2 cents a min per call for Hino {as this is all coming out his pocket} after a certain amount of free minutes he got with the service.

Ohh so now you talk about your account holder's account info on a public forum? That is real profssional. NOT! I should take your butt to court. Will you please tell us your real world info like SL Bank did? I'd like to know your real world name. If your bank is true, why would you even care? Let me guess, no info given.

Didn't you say yourself you were no longer an account holder? Also, I was very vague with my details. There's alot of numbers between 10 and 99.

Well, I guess now would be a good time to actually call the support line instead of just yelling about how you called it but actually didn't. Dox, Hino, or Zoren might give out their real info, although it wouldn't matter too much because they just maintain the atm systems back end and do tech support. Personally, I would never give out my real world info online to the public due to some stalker issues I've had.

I did call your number and the second I asked for specifics, they hung up on me. Sounds like you guys are trying anythign to avoid withdraws.

Just answer me these two questions:

1. How do you make a profit

2. Who are you.

And don't try and give me that "experiment" crap. You got that from the SL Bank dude.

*crickets chirp*

They just hung up on you the second you asked for specifics? And who is that hung up on you? Was it the "indian guy" you keep talking about? I will gladly yell at them and make sure they never do anything like that ever again.

1. How do you make a profit?

Would have to ask Nicholas Portocarrero about that, as I'm just tech support. You can search his post on the forums, as he usually only post when it's something about the bank. If those don't satisify your answer, then I'm afraid you are going to be left wondering.

2. Who are you?

Well, Ginko was around long before the bank. We are basically just a group of geeks that build things, things that do stuff. We aren't a "real life company" by anymeans, and the closest real life interaction in the two years I have been in Ginko with the rest of the members is via voice chat. Nicholas Portocarrero come to us about a bank system he would like to do, but would need us to create the system while he does the banking part. So yeah, now we run a bank system. Sorry, it's 2 in the morning, so I can't really think of more details to add until I've slept, or if you ask more specific questions on who we are I might be able to do it before I go to bed.

"And don't try and give me that "experiment" crap. You got that from the SL Bank dude."

Not sure what you mean there. We haven't actually talked to the SL Bank people. Or I haven't anyways.

(Eating popcorn, crunch crunch crunch) This looks to be fun.

Hrm if Pan Fan is attacking Ginko it's in NO danger of collapse. lol

Well, first and foremost, I pay for the 1800 number personally, because I've always wanted to play with VoIP software, and this was the only case I could see we'd ever use it. I would have bought it anyway, and just made it the Instant Toast Hotline or something.

Even if the bank did directly pay for the phone number, at 2 cents a minute, I don't see the bill EVER going over... a maximum of US$200 a month, and at that point I would discontinue the number, as it wouldn't be worth keeping anymore (not to mention it'd be pure horror answering that many calls). Right now, it costs me 40 bucks, and I'm willing to spend up to $100/mo in my own money to keep it going, too.

EDIT/NOTE: I did some math... at an average of 7 calls a day, 6 minutes per call, it would be about US$282/mo in minutes, and those numbers are large overestimates (we've only gotten 4 calls in the last two days)

Now, Ginko Financial pays approx L$67,874.27 per day in interest, that'd be roughly L$2,036,228.10 per month (not compounded or anything, I hate math), which is about US$6,698.11 of interest paid each month, and you have to assume Ginko Financial makes considerably more money than that each month or it wouldn't be profitable to run.

So, by your math, $282/mo (US$3384/yr) would vastly exceed $6,698.11/mo (or US$80,377.32/yr).

I think you've got some decimal places off or something.

-Hinoserm

If you were that one guy that called and actually did get hung up on, my appologies. We're all still learning how to use the phone software, but the only guy who got disconnected so far was someone requesting an ATM placement (which still has to be done via IM to GF Ambassador, by the way), and that was because Clinton (the person who took the call) thought he was through talking.

To answer your other questions:

I sure don't know, or care. I get paid to do my job, why would I ever question that? I'm not one to turn down money if someone hands it to me. Maybe that makes me a bad person... I still don't care.


Who am I? I'm Hinoserm, 20, male, my legal name is Michael but I prefer to be called Hinoserm even in RL. I live in Rhode Island. I'm fixing to move from RI to California. I'm fat. I respect computers more than I respect most people. Ok... all people. To me, Ginko Financial's software is my hobby, my work, and my life. It's code is my pride and joy, worth more to me than my own children (not that I'd ever have children), but maybe that's going a little too far over the edge. I have an unhealthy obsession with dogs... and bacon. I love bacon. I'll probably die of a heart attack before I'm 30. Sometimes I try too hard to help people, I've been told I need to learn to say no more often. I'm an impulse buyer; if I see something I want, I will have it, no questions (that's why I own an old mainframe computer, doesn't do anything). I prefer cable over DSL. I firmly believe that Linux should be used exclusively for servers and never workstations, and Windows exclusively for workstations and never servers, and get yelled at constantly for it. I own a purple 1997 Dodge Caravan, but it's not purple, it's more lavender than purple. My car has it's own global IP address, thanks to Sprint. The person you meet in Second Life is the same person you'd meet in Real Life, I don't put a difference between my SL and RL selves (well, except that in SL, I can fall from ~4000 meters and live to tell about it). I hate talking about any topic that doesn't involve computers, technology, or electronics in some way or another. Or home decorating, I enjoy home decorating. Some people think I'm not entirely sane, and I'm inclined to agree with them, though that's not a professional opinion. Since I was 6 I've refused to wear socks, then I started again about a year ago, and appreciate socks alot more now. I listen to mostly 80s music nowadays, I used to enjoy 50s-60s alot more, but I'll listen to anything that has both lyrics and fast music. I can't sleep without a fan running, or if the temperature is over 63F in my bedroom.

Oh, and I absolutely hate ducks.

I hope that tells you everything you could ever want to know. If you can be more specific, I would gladly answer any personal questions you have about me, or any questions regarding Ginko Financial's software.

-Hinoserm

Hino, I love you.

And yeah, Pan, you're kind of talking out the wrong end here.

Also:


Yeah, Dox sounds like a 50 year old Texan and Zoren sounds flamingly gay.

Leif out. o_o

Freeeaaak! FREEEEAAAK! STAY OFF OF MY LAWN!



Actually, it's answered by Dox, Clinton, or me. Zoren won't do telephone tech support.

-Hinoserm

To be quite honest, we don't care about the other banks. I'm not putting them down, we just honestly and truely don't care about them (I had never even heard of this NN Bank, personally).

If people feel more comfortable putting their money into one of the other banks, then they absolutely should, that's all there is to it. Nobody is forcing, or even asking people to stay with Ginko Financial if they're not comfortable, it wouldn't be our place to.

We (or at least I) understand that not everyone will like the idea of putting their hard earned money (or even not-so-hard-earned money) into something they don't understand. To be honest, neither would I, but I've known Nicholas a long time before we started the bank, and I trust my own software more than anyone else's. I don't expect other people to have the same trust that I do, that would just be stupid, but I do expect people to understand the risks before they do put their money into Ginko Financial, and I expect them to live with the consequences of their decision after they've made their choice.

-Hinoserm

Ok, I'm Dox, 22, and from Texas. I live on a farm and drive a loud motorcycle that causes anyone within blocks to instantly hate me. I like guns, music, food, and BIG guns. I'm also fat, but not quite as fat as Hinoserm, though it is close. Most of the time I'm doing something and really couldn't care less about anything else going on unless it involves a friend of loved one of mine. Seriously, you just don't mean that much to me.
As for indean sounding person.. I've personally met and shaken the hand of ~EVERYONE~ who works on that phone support line and let me tell you, not one of them sound indean to me. And yes.. people do call me Dox in real life because that's actually easier than my real name, which is Torbin. I'm a very social person and love to talk to people, but I hate being touched.



Dox

EDIT : I HATE COWS! I hate them soooo much. Jello is ultra creepy and shouldn't exist. Also.. super glue really doesn't bond skin instantly.. not to a desk anyway.

Weeeel, I got told about the new GINKO PONZI PONZI PONZI *runs around waving arms and screaming* thread, so I thought I'd jump on the "operator profile" bandwagon

Hi! I'm Clinton!

I answer the phone for Ginko Financial! I'm the token red-headed stepchild who lives in this little place called Powell River, up in B.C. Canada. I drive a red and white 1991 Dodge Dakota daily, and a blue 1989 Toyota Supra Turbo on Sundays in fair weather, or in the summer. I'm a technology consultant, and I play Second Life in my spare time. The things I hate most are: 1) Drama. 2) The people who cause drama. I like food, although I'm the skinniest of the bunch, both Dox and Hino could snap me like a twig. I have long hair, drink a lot of tea, have a pizza pretzel almost every day at work for lunch. I maintain a stress-free lifestyle, and am able to pay all my bills. Although I can fake a bunch of accents quite accurately, I don't sound in any way indian unless I'm trying to. For hair care products, I use Aussie Moist shampoo, and Aussie Mega conditioner, I shave with a Gilette Mach III Turbo, and use Gilette Moisturizing shave gel. I prefer Rogers Wireless over telus, because they're GSM, AND I get a signal at home. I like italian food way too much, I don't really watch what I eat, because I have a high metabolism, and I never put on weight because of it. I'm a mac user -- I'm typing to you right now from a MacBook Pro 17". Oh, I'm a furry, I have been known on occasion to wear a fake tail for fun, I love cuddles, and once or twice I've even gone out in full fursuit (at a convention). Anyone who doesn't like that can pound sand

Anyway, if I've forgotten something about myself that you people seem to NEED to know, please let me know, and I'll provide you with whatever information your little hearts desire. This thread is nothing but drama. If you don't like Ginko, take your money out. You'd have to be stupid to say "I don't like these people, but I'm going to let them have my money anyway".

We're just service tech support, if you ask us how we make money, we're not able to answer you. If you have trouble using the ATM, or have forgotten your website password, want an ATM, want an ATM moved, or any such stuff, we await your call.

Cheers!

CCC

I haven't noticed any change with regards to the rate of deposits/withdrawals in Ginko Financial since SL Bank was created.




They are tech support. Keyword being tech. If you have non-tech related questions, you should IM me.

I'm not sure what is your point regarding limit buy orders, but before LindeX there was GOM which had a very good (and cheaper for traders) market system. I imagine you are assuming that we do L$ trading. To be clear, while we do trade a small amount of money on the LindeX, the market volume is too small to rely on it I'm sure SL Bank would have absolutely no problem making enough to pay interest just by trading on the LindeX at their current size though.



If we were a ponzi, which we are not, we would be far from colapse as total deposits stiil grow by a steady 10% a month.



The claims that "competition" from SL Bank, NN Bank, and others is harming us are greatly exagerated. If anything, this might be helping advertise our existance to the masses of people in SL that have no idea what Ginko Financial is. If it's harming us, it's not doing so at a scale big enough for us to notice.



It's really not that expensive.




Good luck with whatever you choose to do with the money.

I'd say he should buy a clue but the cheapest one cost's more than he has. lol

That was unprofessional of her.



For? I don't remember a privacy clause on our terms of service. It was rude an unprofessional, but it was certainly not illegal.



Why?



Why? How would you even go about making sure the name given is my real name? You want a notarized copy of my passport too?



A million reasons. As I have said before, while I do everything in my power to keep the bank functioning profitably, it could go bankrupt. I rather keep the risk of people coming after me in such a case to a minimum. Also, revealing my SL identity could disrupt my personal RL. That being said, LL has my real life information.