Welcome to Gaia! ::

Are you sad to see user-run Gaia banks go?

Yes! 0.76470588235294 76.5% [ 1417 ]
Well... Sort of. They were nice while they lasted... 0.13545601726929 13.5% [ 251 ]
No, not really. I never thought it was a good idea... 0.099838100377766 10.0% [ 185 ]
Total Votes:[ 1853 ]
1 2 3 4 5 6 ... 803 804 805 > >> >>> »|

RBG is officially closed.
Please read more below.


RIP Reserve Bank of Gaia
April 7th, 2004 - May 22nd, 2007

RBG served over 2,000 customers for more than three years and had investments totaling more than 275 million gold - It was the first operation of it's kind, followed soon by smaller banks which also grew with time. The former Chatterbox Moderator Kitsuta came up with the idea and ran RBG until December of 2006 with the help of ShadyPrincess and a few other users. In August of 2005, the main account, thus named RBG, was banned for apparent hacking, though those claims never seemed to be solidified. Given permission from Dri, RBG continued to run from their exchange shop mule 7-11 Cashier while awaiting a marketplace/bank upgrade which would hopefully fix bugs in RBGs trading history, allowing moderators to see the necessary information and free the RBG account for administrative bank use.

In December of 2006, ShadyPrincess took over the bank as head administrator, and following a high boom of clients ( nearly doubling the size of RBG in the span of three weeks ), she hired Fleaball as an assistant and co-manager. They both ran RBG until the announcement and decision was made by Gaia administrators and staff to close down user-run banks on Gaia. The RBG main account was liberated of it's banning and the contents, which had been sitting idle for nearly a year, were then used to issue refunds to the customers.

RBG has always been a nonprofit organization bent on bettering the Gaia community and serving the Gaians that enjoy the site through helpful, happy client service and an expanding userbase. RBG would like to thank all that worked so hard to keep it running through time, effort, and donations, and those customers who supported the bank even through the roughest and hardest times of it's existence.

As sad as it is to see RBG go, those that had been with RBG for years will not soon forget what RBG stood for, or what it was about. Past owners are hopeful that RBGs generosity and helpfulness will continue on, even in the wake of it's absence.

ALL further posts NOT regarding an account (IE: Chatter, condolences, etc, etc) should be posted at the RBG Friends Chat Thread, located here.
DO NOT POST CHATTER HERE ANYMORE!

RBG was forced to close due to the new policy. Please read the announcement made by Noraboo here to learn more.
Please note that RBG was given a one month extension from the original closing deadline of July 22nd.

All trades which have been sent to us have been filled. You may continue to send trades to retrieve your gold if you have not yet, but we will NOT be sending out trades to you. If you want your gold, you need to contact us.


All trades sent on or before July 22nd which have been filled by us but not completed by the other party were canceled on August 31st. This is to free up space and gold on our side. You may have your refund, but you need to resend the trade, properly labeled, to receive it. Thank you.

ALSO NOTE: If your filled trade goes uncompleted for one month (as in, we filled it, you did not accept it again), it will be canceled. Same as above, you may resend the trade and have your gold returned, etc.


___..|| Instructions on Closing Your Account ||..___

Alternative 1 - VIA GOLD
1.) Check your balance by PMing 7-11 Cashier and requesting the balance.
2.) Start a trade with
7-11 Cashier for the amount that 7-11 Cashier says is your balance.
3.) Wait patiently. You will get your gold back.

Alternative 2 - VIA ITEMS
There is not a sufficient selection of items left for us to keep this officially open. All trades sent to us at this point should be filled almost immediately (as in the next time one of the owners sign on), or very quickly should we need to sell an item for more pure gold. There is no wait due to a waiting list.


___..|| About Loans and Layaways ||..___

7/23/07 - All outstanding loans and layaways are now voided without exception. This. Means. No. Exceptions. NONE.

If you have an outstanding loan or layaway with RBG, it must be paid of ASAP. If loans or layaways are not paid by July 23, 2007, all outstanding loans and layaways will be nulled and voided, RBG will sell the inventory, and you will no longer have a loan or layaway, and you will not owe anything.
Any layaways which are nulled will NOT receive compensation for whatever it is they've paid so far - we do not have records of what you've paid and when, so it's impractical for us to do this. Ample warning was given, and we're sorry for the inconvenience, but we have little choice.
We have all of the collateral items and can give them right away. Please send trades for payments or full amounts to 7-11 Cashier and be sure to label it properly. Thank you.


___..|| Extra Notes on the Closing ||..___

You will NOT gain any more interest from May 23rd forward.
All RBG rules still apply. This includes thread rules as well as rules on trade titles, amounts, courtesy and name changes.
Improperly labeled trades will be canceled - Please put the amount you are withdrawing (AKA: Your account balance) and your security number in the title. Here's an example of how it ought to be labeled. If it's not labeled like this (or very similarly), it WILL get canceled. End of story.

Quote:
Closing Account - AMOUNT - SECURITY NUMBER

Replace "AMOUNT" with the amount in your account, and "SECURITY NUMBER" with your security number.


Trades MUST be titled "Closing Account." Trades titled "withdrawal" or anything like it will be canceled.

ONLY trades for full amounts please. All others, besides donations, will be canceled.
Withdrawals at this point will be done in first-come-first-serve order.
Sending, canceling, and resending your trade will NOT make it go faster.


___..|| Donations, Petitions, ETC... ||..___

If you would like to donate to RBG, please send a trade labeled 'donation' to 7-11 Cashier. If you want to donate gold from your account, please PM 7-11 Cashier with your security number and amount. Thank you.

There is a petition HERE that you can sign if you want to.
Please consider sending this letter directly to Gaia headquarters in an effort to return our user-run banks if you do not agree with this new policy change.
THREAD RULES
1.) Don't bump unless we're off the first page - these are Services Subforum rules.
2.) Do not beg - we are here to help Gaians, but we don't help beggars. Please use the chatterbox, or charity subforum for this.
3.) Do not quote the front page posts - this will get you reported and instantly ignore listed.
4.) Do not excessively advertise - Signatures are fine, but posting more than one link to another service/shop on the same page is unacceptable.
5.) THIS NOT A PETITION! It's a bank, for realz. That is, IT'S NOT A PETITION SO DON'T SIGN IT LIKE IT IS. Thanks.
6.) NO NEW ACCOUNTS!


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Welcome to the Reserve Bank of Gaia! Here you can earn free money, with little to no effort!
RBG has been running for three years, was first founded by a mod (Kitsuta), totals over 3,300 pages of posts (in the three separate threads we have had), and serves over 2,200 Gaians every day!


___..|| Help Support RBG - Custom Graphics! ||..___

Limited RBG Charpias - 3k

Charpia are cute little creatures made by Befu who has kindly offered this pet as a charity gift! A percentage of all profits made from the RBG Charpia will go to her, and the rest (including tips!) to RBG.
So buy one, and buy 'em fast! wink

You need post order forms in Befu's shop (click the sample Charpia, or the "Test Tube Babies" banner below), and all trades should go to Befu. Thanks. <3333
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May 22, 2007
......At the moment we're trying to fill an 18.5 Million gold withdrawal. This will put a halt to many withdrawals in the coming weeks - No withdrawals over 5k will be filled immediately. We really hate to do this, but we need to save gold as fast as possible to get this withdrawal out of the way. Once this is over, the waiting list and withdrawals will continue as normal. Donations are appreciated but in no way necessary - please don't sell off inventory for us just because of this incident. Also, if you know you will need gold soon for something, we suggest you do NOT deposit it at this time unless you are willing to wait at least two weeks from this point to get it out - it could take longer, we're not sure. Please bare with us while we work through this - we're trying the best we can.

In the mean time, vote us thumbs up! <3


April 30th, 2007
......New policies implemented: No withdrawing OR depositing from any account that is not the account that created the RBG account. This means no depositing from mules into other peoples' Gaia accounts.

Also, correct trade titles for ANY transaction are now required and strictly enforced. Trade titles are CLEAR in the below posts. Withdrawals will be canceled without security numbers or amounts. This INCLUDES account closings. You cannot just say "Account closing - security number", you need to put the AMOUNT in your trade title. Deposits also need to be properly labeled with "Deposit - amount". Please follow these rules; your trade will be canceled from now on if trade titles are incorrect.


April 7th, 2007
......Today is RBG's third birthday! It was three years ago today that Kitsuta founded and started RBG - Thanks to all of our customers who have supported us for so long! May we continue into many more years of Gaian service!

April 6th, 2007
......Member cards! Get one if you want - they are only 200g, and proceeds to directly to RBG. We also are now hiring exchangers and casino players - please see the "Staff" post for more information!

March 30th, 2007
......New thread! Because we could not update the old thread all that frequently, we decided it would be best to make a temporary thread. Until we get the RBG account back, we will be using this thread. When/if we get that account back, we will move RBG back to the old thread. =)

March 11th, 2007
......We are still locked out of the RBG account, and nothing further can be done on our part to get it back. We have gone directly to a developer with this issue, and what we were told is that they cannot remove developers from current projects, and therefore we must wait for the next upgrade to the bank/marketplace system. We appologize, as we realize this is an inconvenience, but there is nothing further we can do besides work through it. Dri has given us permission to run the bank through our exchange shop mule 7-11 Cashier; all trades and PMs directly regarding accounts/loans/layaways should be sent to 7-11 Cashier. 7-11 Cashier Profile.

Mid December, 2006
......RBG founder, Kitsuta, has retired from the bank. ShadyPrincess, a former assistant to Kitsuta in bank processes, now runs the bank in it's entirety. Any questions can be directed at her, but trades and PMs directly involving accounts/loans/layaways should be sent to 7-11 Cashier. 7-11 Cashier Profile.

August 23rd, 2006
......We got new colors for our thread! Woohooo!

August 18th, 2006
......We finalized our exchanging system. It is in the Staff post. 3nodding

......Also, we recently announced a rough estimate of our debt total. This seems to have frightened a lot of people! My apologies for the shock, everyone. sweatdrop Please keep in mind that this is only a rough estimate and may actually be several million off. Anyway, I am keeping the poll up until the other manager gets back, and then we will get to work on some of the ideas we have been sent about getting our debt back. Thanks for the input, everyone!


June 26th, 2006
......The shop has officially started! Check the Links post below!

June 25th, 2006
......The Rent-A-Guild banners get a bit of a color makeover!

June 21st, 2006
......A couple minor changes made to closing account policy. Also, referring to rent a guild now earns referrers 100g in their RBG account for every referee!

June 19th, 2006
......The contest is over and the judging is complete! Look in the Events post or on page 1001 for the winnar!

June 11th, 2006
......New contest! This time it is to name our new shop! Post or PM your contributions! For more details, see our new Events post. domokun

June 8th, 2006
......Our Staff section is back! It's been gone for a long time, but I added it back in now that we have managers. whee Also, the banner in the Rent a Guild post now links to our guild directly. 3nodding

May 29th, 2006
......I've forgotten to update again. We got new managers, new policies, new websites, and etc. sweatdrop Uh, sorry.

......Also, now you can change the name your loan or lease is under. This will also happen at the same time you change the name your account is under.


January 22nd, 2006
......Finished the mini overhaul of our front page. It's nice and spiffy, but there are so many unused posts... o_o; New service, also: Leasing!

January 4th, 2006
......I'm bad at updates... sweatdrop Anyway, lots of changes to the bank, including a new Rent A Guild feature, a major change to the item storage, and a newer website! smile

August 30th, 2005
......A new set of graphics for the RBG! Yay! domokun

August 9th, 2005
......Interest has been taken out of loans. All loans are now interest free. Have fun. smile

July 27th, 2005
......Slightly shinier front page. domokun
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This service is partially open.

READ CAREFULLY. Mislabeled trades of any kind will be canceled without a PM explanation. PLEASE label your trade as per the examples below.

Opening Accounts
This service is CLOSED.

Depositing
This service is CLOSED.

Closing Accounts
This service is open. Please send all trades to 7-11 Cashier with the title "Closing Account - ___g - XXXX", replacing the "___" with how much gold you have in your account (check here), and the "XXXX" with the security number you were given when you opened an account.

Failure to provide this security number will result in the cancellation of your trade.
Interest is halted when we receive the properly labeled trade until we can fill your withdrawal.


So, you want to open an account? Read on to find out everything about what you should do. 3nodding


___..|| About RBG Accounts ||..___

The Reserve Bank of Gaia is not a scam. We have been around since April 2004, and are still going strong after a decent share of hardships. Still not convinced? Visit our Security page for more information!

___..|| Opening an Account ||..___

Opening an account is simple. Just send a trade to 7-11 Cashier with how much money you want to open your account with. The MINIMUM DEPOSIT IS 500g. You may put in more if you wish, but it cannot be less. You must title your trade to reflect how much gold is in it. This is very important for our records, so please be sure to do this! It is required - if your trade title is not correct, it will be canceled.


Example 1
If you want to open an account with 500g...
Trade title: New Account - 500g


Your account will be created when you accept the trade and I complete it, no sooner. domokun

___..|| Referrals ||..___

If someone told you to come to the bank(or you clicked on a banner in their signature), be sure to mention this to RBG when we give you your security number. Referrals earn the referrer an extra 150g credited to their account. smile

ALSO, if you have an account and want a little extra money, you can not only refer people to the bank for accounts, but also for our Rent a Guild feature! Referrers for the Rent a Guild get an extra
100g added to their account
Because the Rent-A-Guild feature is not currently open, you will not get gold for referrals to Rent-A-Guild.


___..|| Security Number ||..___

After confirmed your trade, I will PM you with something called a Security Number. This number will be used for withdrawing money and to log in to the RBG website. It is necessary that you provide this security number to withdraw from your account, preferably in the title of the trade, or a corresponding PM. Withdrawal trades without a security number WILL BE CANCELED IMMEDIATELY. It is not, however, required for a deposit. Please save this number! Please also be aware that this number is IS case sensitive. This means that if your security number were "001a", then you need to enter it into the number in EXACTLY like that, "001A" will NOT work.

___..|| Depositing Money ||..___

Simply send a trade with however much money you wish to deposit at that time. As with opening your accounts, you should change the trade title to reflect how much gold is in the trade.


Example 2
Depositing 500g
Trade title: Deposit - 500g


Only the account holding the RBG account (matching Gaia user ID numbers) can withdraw from or deposit into an account, even if another account has the security number. More on this is in the "withdrawing" section.

___..|| Earning Interest ||..___

In order to get free money, you must have money in this bank for 15 days. On the 15th day, you will earn 2% interest on the amount in your account. After that, your interest rate will increase by 1% every 15 days until it reaches 5%. Here's an example:

Bob deposits 10k into the bank. After 15 days, his balance becomes 10,200g. This was 2% of his balance (200g) + his balance (10,000g). Next 15 days, his balance becomes 10,506. This is 3% of his balance (306g) + his balance. Assuming he doesn't withdraw more than 90% of his gold, this will continue until he earns 5% of his current balance every 15 days.


___..|| Interest Delay ||..___

Sometimes there will be a one or sometimes even two or three day delay in your interest. This shows basically by the balance checking on our webpage saying that you will gain interest the previous day. Don't worry! It won't change how much money you earn or your interest cycle, and is only a minor sort of bug in the interest adding system.

___..|| Checking Your Balance ||..___

To check how much money is in your account and what interest rate it is at, simply go here and enter the proper information. smile

___..|| Changing Names ||..___

In order to check, deposit or withdraw money without confusion, your RBG account name should match your gaian account name. We will not change RBG account names between Gaia accounts, even in the case of a hacking. If you switch accounts completely, you may deposit from your new account, but you cannot withdraw from it; you must log into the old account and withdraw your gold from that account in the way described below.

Let me make this very clear:
We must be informed immediately of name changes. If you try to withdraw from an account and your user name is not the same as the one in our database, it will come up as an error such as if you gave us the wrong security number. Your trade will be canceled. It is your responsibility to inform us and we will not look to see if it was a simple name change; trade volume is too high and time is too tight. If there is a waiting list, you will be returned to the bottom of the list, no exceptions. We are sorry for any inconveniences, but we are too busy to check every wrongly-titled trade or user name.


___..|| Withdrawing Your Money ||..___

Withdrawing your money is easy! To do so, you need to send a properly labeled trade (see below). It is necessary that you provide this security number to withdraw from your account, preferably in the title of the trade, or a corresponding PM. Withdrawal trades without a security number WILL BE CANCELED IMMEDIATELY. This is because of the enormous about of trade volume we get. The trade title should look something like this:
Example 3
Withdrawing 500g
Trade Title: Withdrawing 500g - SN: ____


It is necessary that you provide this security number to withdraw from your account, preferably in the title of the trade, or a corresponding PM. Withdrawal trades without a security number WILL BE CANCELED IMMEDIATELY.

There is a waiting list for this service, explained here. Please be patient in this process, we are getting through the list as fast as we can. Please see below for more information.


___..|| Closing Your Account ||..___

You can technically withdraw all your money, however, if you do so your account will close,4 your security number will be freed for someone else, and your interest will be halted until the trade can be filled. Withdrawals over 90% will automatically default to a full withdrawal of all the money in your account. You can open a new account at any time after closing your account. The trade title should look like this:
Example 4
Closing Your Account - 500g in account
Trade Title: Closing Account - 500g - SN: ____


It is necessary that you provide this security number to withdraw from your account, preferably in the title of the trade, or a corresponding PM. Withdrawal trades without a security number WILL BE CANCELED IMMEDIATELY.

There is a waiting list for this service, explained here. Please be patient in this process, we are getting through the list as fast as we can. Please see below for more information.
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This service is partially open.

READ CAREFULLY. Mislabeled trades of any kind will be canceled without a PM explanation. PLEASE label your trade as per the examples below.

Opening Accounts
This service is CLOSED.

Depositing
This service is CLOSED.

Closing Accounts
This service is open. Please send all trades to 7-11 Cashier with the title "Closing Account - ___g - XXXX", replacing the "___" with how much gold you have in your account (check here), and the "XXXX" with the security number you were given when you opened an account.

Failure to provide this security number will result in the cancellation of your trade.
Interest is halted when we receive the properly labeled trade until we can fill your withdrawal.


Getting a loan or layaway from the bank, but have trouble saving your money? Then simple accounts are for you!


___..|| About RBG Simple Accounts ||..___

Simple accounts are exactly like normal Accounts, except with no interest. This allows you to store your money out of sight even if you have a loan or layaway at the RBG. To start an account, simply send a trade with the gold to RBG, with a title stating that you are opening a simple account.

Example 1
Opening a simple account with 500g
Trade title: Opening Simple Account - 500g


It's that easy! Just like normal accounts, you must confirm the trade within a month so I can keep track of your account properly.

___..|| Converting to a Simple Accounts ||..___

If you have a regular account at the RBG but want to take out a loan or layaway, you no longer have to withdraw all your money -- you can simply convert your account! this process is much quicker and simpler, not to mention profitable -- your interest rate won't reset when you convert! To convert your account, just PM me asking to convert your account, OR give me your security number along with your request for a loan or layaway so I can convert your account.

Example 2
Converting to a Simple Account
PM: I'd like to take out a loan of 20k, with a Coco Kitty for collateral. Please convert my current account. My security number is 000z.


___..|| Converting From a Simple Account ||..___

After your loan or layaway has been fulfilled, you can convert your simple account to a regular, interest earning account. Interest will start counting from the day you send the PM, and will then act just like a normal account. To convert your account, make sure you have no outstanding loans or layaways. Then PM me asking to convert your account, but be sure to include your security number!
Example 3
Converting From a Simple Account
PM: Hey, I'd like to convert my simple account to a regular account. My number is 000z.


___..|| Referrals ||..___

If someone told you to come to the bank(or you clicked on a banner in their signature), be sure to mention this to RBG when we give you your security number. Referrals earn the referrer an extra 150g credited to their account. smile

ALSO, if you have an account and want a little extra money, you can not only refer people to the bank for accounts, but also for our Rent a Guild feature! Referrers for the Rent a Guild get an extra
100g added to their account.


___..|| Security Number ||..___

After confirmed your trade, I will PM you with something called a Security Number. This number will be used for withdrawing money and to log in to the RBG website. It is necessary that you provide this security number to withdraw from your account, preferably in the title of the trade, or a corresponding PM. Withdrawal trades without a security number WILL BE CANCELED IMMEDIATELY. It is not, however, required for a deposit. Please save this number! Please also be aware that this number is IS case sensitive. This means that if your security number were "001a", then you need to enter it into the number in EXACTLY like that, "001A" will NOT work.

___..|| Depositing Money ||..___

Simply send a trade with however much money you wish to deposit at that time. As with opening your accounts, you should change the trade title to reflect how much gold is in the trade.


Example 2
Depositing 500g
Trade title: 500g Deposit


Only the account holding the RBG account (matching Gaia user ID numbers) can withdraw from or deposit into an account, even if another account has the security number. More on this is in the "withdrawing" section.

___..|| Checking Your Balance ||..___

To check how much money is in your account and what interest rate it is at, simply go here and enter the proper information. smile

___..|| Changing Names ||..___

In order to check, deposit or withdraw money without confusion, your RBG account name should match your gaian account name. We will not change RBG account names between Gaia accounts, even in the case of a hacking. If you switch accounts completely, you may deposit from your new account, but you cannot withdraw from it; you must log into the old account and withdraw your gold from that account in the way described below.

___..|| Withdrawing Your Money ||..___

Withdrawing your money is easy! To do so, you need to send a properly labeled trade (see below). It is necessary that you provide this security number to withdraw from your account, preferably in the title of the trade, or a corresponding PM. Withdrawal trades without a security number WILL BE CANCELED IMMEDIATELY. This is because of the enormous about of trade volume we get. The trade title should look something like this:
Example 3
Withdrawing 500g
Trade Title: Withdrawing 500g - SN: ____


It is necessary that you provide this security number to withdraw from your account, preferably in the title of the trade, or a corresponding PM. Withdrawal trades without a security number WILL BE CANCELED IMMEDIATELY.

There is a waiting list for this service, explained here. Please be patient in this process, we are getting through the list as fast as we can. Please see below for more information.


___..|| Closing Your Account ||..___

You can technically withdraw all your money, however, if you do so your account will close,4 your security number will be freed for someone else, and your interest will be halted until the trade can be filled. Withdrawals over 90% will automatically default to a full withdrawal of all the money in your account. You can open a new account at any time after closing your account. The trade title should look like this:
Example 4
Closing Your Account - 500g in account
Trade Title: Closing Account - 500g - SN: ____


It is necessary that you provide this security number to withdraw from your account, preferably in the title of the trade, or a corresponding PM. Withdrawal trades without a security number WILL BE CANCELED IMMEDIATELY.

There is a waiting list for this service, explained here. Please be patient in this process, we are getting through the list as fast as we can. Please see below for more information.
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NO NEW LOANS WILL BE GIVEN AT THIS TIME. NONE.
No, I don't know when loans will be back, and no, you can't have one just because.


This service partially open.
OLD LOANS CAN BE REPAID AND ITEMS RETRIEVED, PLEASE READ BELOW:

Paying Back Loans
This service is partially open. Loan payments can be made, and items can be retrieved, except under one circumstance: If you had on loan an item worth more, currently, than 1 million gold, we will be unable to accommodate that at this time. To discuss this further, please PM 7-11 Cashier. If this does not apply to your loan but you have the full funds to pay it back, please follow these steps:

1.) Check your loan here.
2.) Pay back all but 1k of the loan. Please send all trades to 7-11 Cashier with the title "Paying Loan - ___g/XXXg", replacing the "___" with how much gold you are paying back, and the "XXX" with how much of the loan is in total.
3.) After the first trade is accepted, send another trade with the remaining 1k. Upon receiving this trade, you will be put on the waiting list. Please send all trades to 7-11 Cashier with the title "Paying Loan - 1k/1k".

There is a waiting list for this service, explained here. Please be patient in this process, we are getting through the list as fast as we can.


So, you want to take out a loan? Read below to find out everything about loans!


___..|| About Loans ||..___

Loans are just that -- loans. They are not free money, but they are not designed to get you into debt either. They are designed for people who are questing for large items and need a lot of gold quickly but don't want to sell their hard earned items. Loans do NOT have interest on them, so you always end up paying the same amount of gold. You can pay in installments or all at once, whatever is more convenient for you!


___..|| Getting a Loan ||..___

There is a loan minimum of 5,000g. Also, if you have an account in the RBG, it must be a simple account to qualify for a loan. You do NOT have to have an account at all to take out a loan. Finally, you need collateral.


___..|| Collateral ||..___

Collateral is a temporary deposit for a loan. As of January 29th, 2006, the RBG will only accept donation items or letters as collateral. Collateral needs to be worth 75% of the loan.
Example 1
Collateral
Say you want to take out a loan for 10,000g. You can use either:
One or more donation item(s) worth about 7.5k



___..|| Negotiations ||..___

If you want a loan, send a PM to RBG asking for one. Please do not post here. Be sure to include how much you want to borrow and what you will use as collateral. If you have an account with the RBG, be sure to include your security number so I can convert your account to a simple account.
Example 2
Good PM:
Hi, I would like to take out of a loan of 20k. I would like to put up my Kiki Kitty as collateral. Thanks!


Example 3
Bad PM:
hi I want to take out a loan for 5k i can pay u back in 2 weeks.


You need to offer collateral to get a loan. You can not use collateral worth less than 75% of your loan.

Loan amount (the amount of gold you can take out at one time) is only limited by how much gold we have on-hand at the time that you request a loan, and by the collateral that your provide.



___..|| Send Trade ||..___

After I have approved your loan, you may send a trade to RBG with your collateral included. The title should look something like this:
Example 4
Taking out a Loan for 20k
Title: Loan for 20k -- Kiki Kitty



___..|| Checking Your Loan ||..___

To check how much you have to pay back and what you are using for collateral, simply go here and enter your name. No security number needed! smile


___..|| Changing Names ||..___

In order to check and pay off your loan without confusion, your RBG loan username should match your gaian account name. If for some reason you change your gaian account name, please PM RBG with your old name. If you have a simple account and changed the name, this is not necessary. After your loan name is changed, you can check and pay off your loan under your new name. smile

Please note that if I don't hear from you within 3 months, I will PM you. If I don't hear back from you within a week after the PM, the loan will be canceled and I will keep the collateral. 3nodding



___..|| Paying Back Your Loan ||..___

To pay back your loan, simply send me a trade for the correct amount of money . If you'd like to pay back in installments, that is fine too. I will send your collateral back on the last(or only) trade paying back your loan. If you have a simple account with the RBG, please include your security number in your last trade so I can convert your account back to a regular account!
Example 5
Paying back a Loan for 20k
Title: Paying back loan of 20k
OR
Title: Paying back 10k/20k loan


If you are unsure of how much you owe, simply go here and put in your username, and then click "loan". No security number is required. smile

There is a waiting list for this service, explained here. Please be patient in this process, we are getting through the list as fast as we can.
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This service partially open.
NO NEW LAYAWAYS WILL BE GIVEN.
OLD LAYAWAYS CAN BE REPAID AND ITEMS RETRIEVED, PLEASE READ BELOW:

Paying Back Layaways
This service is partially open. Layaway payments can be made, and items can be retrieved, except under one circumstance: If you had on layaway an item worth more, currently, than 1 million gold, we will be unable to accommodate that at this time. To discuss this further, please PM 7-11 Cashier. If this does not apply to your layaway but you have the full funds to pay it back, please follow these steps:

1.) Check your layaway here.
2.) Pay back all but 1k of the layaway. Please send all trades to 7-11 Cashier with the title "Paying Layaway - ___g/XXXg", replacing the "___" with how much gold you are paying back, and the "XXX" with how much of the layaway is in total.
3.) After the first trade is accepted, send another trade with the remaining 1k. Upon receiving this trade, you will be put on the waiting list. Please send all trades to 7-11 Cashier with the title "Paying Layaway - Item - 1k/1k", replacing "Item" with the name of the item.

There is a waiting list for this service, explained here. Please be patient in this process, we are getting through the list as fast as we can.


___..||About Layaways ||..___

Layaways are a way for you to buy donation items that rise in price very quickly. For a layaway, you put a donation item on hold for a set price, and then pay later. Interest free!

___..|| Qualifying for a Layaway ||..___

In order to prevent abuse of this service, there are a few things you need to qualify for a layaway.

Your account must have at least
500 posts.
Your account must be at least a
month old.
You must have and provide a link to a relatively
well organized thread.
Your quest thread must be at least
2 weeks old.
You must
not have a regular account at the RBG, or you are converting your regular account to a simple one.
Currently you can not put
October 2003 or earlier donation items on layaway.

That's it! If you have all of these things, look below to apply.


___..|| Getting a Layaway ||..___

To apply for a layaway, simply PM me with the following information: What you want to put on layaway, what you will be using for payment, and your quest thread. A good example is below.
Example 1
Applying for a Layaway
PM: Hey, I would like to put a Kiki Kitty on layaway. I'm willing to use a Coco Kitty + pure for payment. I'd also like to convert my regular account to a simple one. My security number is 999J.

www.linktoquestthread.com


___..|| Checking Your Layaway ||..___

To check how much you have to pay back for your layaway, simply go here and enter your name. No security number needed! smile

___..|| Changing Names ||..___

In order to check and pay off your layaway without confusion, your RBG layaway username should match your gaian account name. If for some reason you change your gaian account name, please PM RBG with your old name. If you have a simple account and changed the name, this is not necessary. After your layaway name is changed, you can check and pay off your layaway under your new name. smile

___..|| Paying for a Layaway ||..___

I will accept only pure or donation items for payment for the layaway. Donation items are heavily preferred, and are required for any layaway involving a 2003 donation item.

The price of the layaway will be
20% more than the current lowest market price when I receive your PM. I will not lower the price for you.


___..|| Confirmation ||..___

When I receive your PM, I will record your layaway and send you a confirmation PM telling you how much the layaway is for.

___..|| Fulfilling a Layaway ||..___

You can pay off your layaway in any manner you please, including a withdrawal from your simple account. Please title your trades correctly when paying for the layaway. You will receive your item on the last payment.
Example 2
Payment Trades
Trade Title: Paying 1000g of Layaway


___..|| Canceling a Layaway ||..___

Canceling a layaway is penalty free. You can cancel at any time and for any reason. Please do NOT cancel after making payments, if you can help it. To cancel, simply send me a PM asking me to cancel your layaway. A good PM looks like this:
Example 3
Canceling
PM: Hey, I would like to cancel my layaway because my quest item was donated to me all of a sudden!


Giving the reason is polite, but not required.
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This service is NOT open.

___..|| About Pawning ||..___

Please send a list of the items you wish to sell to Time Dies. She will price the items for you. If you agree to the prices, you send her the items and she will send you gold - or you can have it directly deposited into your RBG account!

We pay 0.4g for any bug/trash/flower. This does NOT include credits, tickets, etc. This means total however many bugs/trash/flowers you have, regarless of type, and multiply by 0.4g. This is how much we will pay for those items. If you agree to this prices, simply send a trade to Time Dies. No PM is necessary.


All pawning trades MUST be sent to Time Dies. Any trades sent to 7-11 Cashier will be canceled. Also, all trades must be titled appropriately. "Pawning game items", "Pawning items", or "Pawning (item name)" are all acceptable. Untitled trades will be canceled.

Daily Chance items are not eligible for pawning, excluding game items. We encourage you to sell them back to the NPCs instead. Users including these items in trades will not receive gold for them.
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This service is NOT open.

___..||How It Works ||..___

It is 250g a day to rent a guild. If you want to rent the guild for 7 days or more, the price drops to 100g per day! Guild renting is counted by 24 hour periods, starting whenever you like. If you want to rent the guild for a day, you can start at any time and it will end at the exact same time the next day.

The first subforum is free for any event. If you want any additional subforums, you will have to pay a 50g fee.

Keep in mind that RBG will always be the captain, and will appoint whoever is running the event as Crew. An unlimited number of people can run the event.

At the end of the celebration(or several hours after, depending on when exactly it ends), I kick everyone out of the guild. Depending on how popular this service is, I may be forced to delete all the threads right after it ends, so please copy and paste any posts you want to keep on to your computer. sweatdrop


___..|| How to Rent a Guild ||..___

To rent a guild, PM RBG with the following form filled out. All of it is important so please do not leave anything out!

[b]Purpose for Renting[/b]:
[b]Date and Times for Rentingp[/b]:
[b]Title and Description of Guild[/b]:
[b]Decorations[/b]:
[b]Subforums?[/b]:
[b]Other Crew Members[/b]:
[b]Referrer[/b]:


Then I will tell you the price, and appoint you(and whoever else you say you want) as Crew at the appropriate time. At that time I will also set up the guild to look exactly like you want it -- however, keep in mind that I will always link back to the RBG so people know they can rent that guild after the event is done. Remember: I may do this several hours before the beginning of the event, depending on what time it starts.

So go ahead and apply now! Happy celebrations! domokun


___..|| Decorating ||..___

We now can help you decorate for a nominal fee! To decorate, we either use custom made art or clipart that we find. We use all clipart within copyright laws to the best of our knowledge. The price is a 50g finder's fee for clipart, and starts at 100g for custom made art, depending on what you want. Just include what you want in the appropriate place on the form, and we'll discuss things further from there. 3nodding

___..|| Referrals ||..___

Referring people to our Rent a Guild feature now earns you money! That's right. Just refer someone to our Rent a Guild service, and if they rent a guild, you will get 100g added to your RBG account! And if you were referred by someone to our bank for renting a guild, please kindly include their name in your PM to us. smile
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Here is where we keep information about our various events, from contests to lottos to auctions, there's always something going on! Well... usually.


___..|| Current Events ||..___

There are no on going events!

___..|| Past Events ||..___

April Fools Joke 2007
Gotcha! Kitsuta and Shadyprincess made a big to-do about their wedding... On April Fools Day! Com'on, people! Shady and Kit are not getting married, never were, and never will! We got ya, didn't we? wink There were about fifteen people there, and the reaction was priceless!
In any case, for those of you who couldn't attend, here's some screenshots:


1::2::3::4::5::6::7::8::9::10

Shop Name Contest

This was the contest for our exchange shop's name! Many, many entries were given, but in the end ShadyPrincess and I decided that CaloDemon's "Gaian 7-11" entry was the best. He got 10k as a prize.

40k Lottery

This was our first attempt at a lottery, shortly after we had been scammed out of 657k by a customer. It did not go too well. @___@ We had to change the prizes several times, it took nearly a month to do, and our original method of determining the winner was not as random as we originally thought it was. I appreciate everyone who participated, however. (:

Bank Name Contest

This contest took place very early in the bank's life, in our original thread. ShyRomance won with the name you all know us by, "The Reserve Bank of Gaia". I don't think there was actually a prize...
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Here you will find a list of our current staff. This will also be updated if we need more staff, so keep checking back!

Here is also a list of what positions we are hiring for. Please be aware we are only hiring for exchangers and casino players at this time.


___..|| Staff ||..___

Founder
Kitsuta [retired]

Administrators
ShadyPrincess
Fleaball


Exchangers
Fleaball
WishIHadAnAngel
IDC
Wakeboarder-kid7
Highland Lover
mon5563
animoni


Casino Players
Flamechick1890
T o t i K a
0v3rDo5e
Kei Nabilajira
Captain McGreen


___..|| Hiring - Casino Players ||..___

We are not currently hiring any more casino players.

Are you good at playing cards or slots? Have a lot of time and want to make some extra gold? Here's a job for you. This is fun, easy, and profitable - for both parties! Here is how it works:

I will give you a set amount of tokens. You take these tokens and play slots or cards - whichever you're better at. You use up all the tokens, and then report back to me. I will take the number of tickets you have, multiply by two, and subtract the number of tokens you started with. This will give me the estimated profit I can make off of the number of tickets you have made. Here's an example:

I give you 500 tokens. You turn all of the tokens into 1,500 tickets. I estimate we can sell tickets at 2g each, so multiply 1,500 tickets by two gold, and you get a total profit of 3,000g. I subtract the number of tokens you used, 500, to get a total profit of 2,500g.

You, the casino player, will get HALF of whatever total profit you make in gold. If you'd prefer to be paid in tickets, we can work something out - but the primary payment is in gold.

If you are hired, when you return profit you must ask for more tokens, otherwise we will assume you are no longer playing the casino for us.

We'd prefer if you had a mule to use for your casino playing for the bank so that your tickets/tokens are not mixed with the bank's. It is not, however, necessary if you are sure you can keep them separate.

If you'd like to be a casino player, please fill out this form and send it to 7-11 Cashier:


[b]Name[/b]:
[b]Position Applying For[/b]: Casino Player
[b]Previous Interaction with RBG[/b]:
[b]Preferred Number of Tokens[/b]:
[b]Extra/Notes[/b]:


___..|| Hiring - Exchangers ||..___

We are not currently hiring any more casino players.

If you don't already know, exchangers are people who buy and sell items multiple times to earn a profit. It takes a lot of time, but can be very profitable. Please have previous experience exchanging - if you didn't even know what this was before reading, this job is probably not for you.

To become an exchanger, you need to fill out the form below and send it to 7-11 Cashier. Once I approve of the application, you can start the evaluation period at your convenience. The evaluation period is a week of you exchanging as you normally would, except you keep a log. At the end of the week, you send me the log and I evaluate how well you did based on the information. Your log needs to contain the following things:

1) What you
started with.
2) What items you
bought and sold, preferably in chronological order.
3)
Other ways you made money, IE fishing or collecting things in Towns. You don't need to include money you made by posting or browsing.
4) What
profit you ended up with.

Once you send me that log, I'll evaluate how well you did and determine your starting balance based on that information and what you entered as your preferred balance.

You will need to have separate account when you exchange for the bank, and you will need to give me the password. This is for my records, and will be kept confidential.

Once we give you gold, please start exchanging as soon as you can! We will decide on what schedule we want to check the account and divide up the gold. I will personally check the balance and do calculations on the agreed terms (yes, your profit is negotiable - so please don't hesitate to apply!), sending out trades from the account to your main account (for your profit) or to the 7-11 Cashier account (for our profit). I will keep personal records, and you are welcome to keep your own. You do not, however, need to log every purchase/sale, unless you want to.

If at any time I feel that you have stopped exchanging for us but have not said anything, I reserve the right to take the original amount of gold we gave you, a last profit count, and fire you as an exchanger.


[b]Name[/b]:
[b]Position Applying For[/b]: Exchanger
[b]Previous Experience Exchanging[/b]:
[b]Previous Interaction with RBG[/b]:
[b]Preferred Sum[/b]:
[b]Extra/Notes[/b]:


Under "Previous Experience," write down what organizations you have worked with previously. Under "Previous Interaction with RBG," please write if you have ever dealt with the RBG before. These are not compulsory to the position. Under "Preferred Sum," put how much money you are comfortable working with. Put whatever you want in the Extra field.
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We link to two things: Other banks and price guides. If you would like to submit either one of these, simply PM me. smile

___..|| Affiliates ||..___

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___..|| Links to Us ||..___

You may use the following tinyurl to link to this bank: http://tinyurl.com/8gdv6

You may use the following banner(s) to link to this bank; however, please upload them to your own server:


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Please use the above banner to link to:

http://www.gaiaonline.com/guilds/index.php?gmode=index&guild_id=8460


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The following banners were made by Sailor_Chibi!

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User Image - Blocked by "Display Image" Settings. Click to show.

The following banners were made by Lorelai Yeager!

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The following banner was made by Sexeh Carrot!

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The following banners were made by Depressed_azn_!

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All accounts listed below have been removed from the database. If one of these belongs to you, please PM 7-11 Cashier. Thank you.

RBG is cleaning their records for the upcoming summer months! As such, the following people will be leaving the database records on July 20th, 2007. Their accounts will be kept in records on my computer, however they will be unable to check their balances on the website. After the July 20th date these people may still contact me to try to recover their accounts, however they will still be unable to check them on the website until we sort it out.

The people on the following list have until
July 20th, 2007 to contact 7-11 Cashier with their security number and any other proof they can muster before their accounts are taken from the database. If you recognize anyone on this list, please contact them and have them PM us ASAP if they want their account back so that we can keep our records up to date.

Everyone on the following list cannot be found on the Gaia memberlist - meaning they have changed their names and it was done prior to us putting Gaia UserIDs into the database. If you currently have a RBG account with us, you will be
unable to claim any of these accounts as your own.

Nicola-Chan
m16round
Watercooler__
Erumi-tan
xdemonic_x_angelx
~Angelic Waffle~
Lizhay
TheLadyPtali
A_Killer
fallenrainbow
Lily Spirt
Zakari_Mohamed
Foxy Lady 4ever
Highlights_
MagantaHearts
Kashmirh
kakashi9112
KisaChan777
Kriechentod
NeverPlayedB4
fire_angel123
chee_wolf
lil mast
GC_Foundation
Depressed_azn_
[ ...Atheist... ]
[.Fairy Nuff.]
gregtehking
x t.o.x.i.c k.i.t.t.e.n x
.Magical.Whore.Cookies.
The Googled Search Engine
Dark_Mari
[[[Nasal spray]]]
Oric.The.Impaler
Xx-Hannah Montana-xX
Sado Yasutora
Titas_X
Kreiger Seele
Raechyl Zoey McKayso
Glacierose
~Shay-key~
Kel the Baka
___..|| Save Our User-Run Banks! - A Petition ||..___

We have typed up the following letter in regards to the policy change. We'd like to ask you to print it out, sign it, and send it directly to GaiaOnline headquarters.
It is a more direct approach, and may very well grab more attention if the outcry is large enough. We'd like to ask you not to edit the letter except to sign your name (real or Gaia account name) at the bottom, nor should you include anything else with this letter. We want consistency in this matter so that Gaia knows we are together on this - and that there are a lot of us.
Please, if you can do this, do it. Also, send it on to anyone who you think may be willing to do it as well.


GaiaOnline Address
Gaia Online
P.O. Box 612680
San Jose, CA 95161-2680
U.S.A

Letter
To the administrators and moderators of GaiaOnline:

On Tuesday, May 22, 2007, at 8:30 pm EDT, omnimoderator Noraboo made an announcement in the Services forum that devastated many Gaians: user-run banks are no longer allowed on Gaia.

While I understand your reasons for making this change, I ask that you reconsider. Instead of forcing existing banks to close, I’d like to ask you to enforce new policies regulating their activity and making them safe for every user.

Many existing banks are not scams. Too much time has been invested in them (more than three years, in one case!), too much effort put into making off-Gaia websites for tracking accounts, too many trials have been overcome for the owners of these banks to risk shutting down and running off with the gold. To close every bank is to insult the owners of honest banks by telling them that their work is not worth anything. It is also an insult to the customers of these banks; they trust the banks and depend on their services, as well as the fact that a user should be able to choose who to trust their gold with - if an informed decision is able to be made, and Gaia can aid in that respect, I believe they should.

I would like to suggest that you create new rules for existing banks to make it easier for moderators to regulate them: all banks must have an off-Gaia website for their banking system; bank mules and associated accounts are subject to random checks by moderators to prevent suspicious activity; very large deposits and suspicious trades require the supervision of a moderator. Before banks can reopen or new banks are created, prospective owners must prove that they are established members of Gaia (eg, haven’t joined within the past week and solely bumped in the Chatterbox), and one or more moderators should check out both the banking systems and the prospective owners (as was the case with one already).

There are ways to make this work. I, as a user of GaiaOnline, would rather work with the administration and staff to see positive changes put into place instead of policies which have negatively affected over an estimated 3,000 active Gaians. Although you may be unaware, there had been, and continues to be, a large outcry following this announcement by the users and owners of user-run Gaian banks throughout the Services subforum. This change has brought together over five user-run banks with an estimated userbase of over 3,000 active Gaians. On behalf of these other Gaians, the greater community and myself, I would request you reconsider.

Sincerely,
An active Gaian community member
(DELETE THIS LINE AND SIGN HERE)
___..|| Closing your account via items ||..___

Because our inventory is dwindling and the items are selling off quickly, this post will no longer be updated with screenshots. If there is a specific item or Thank You Letter you want, please PM 7-11 Cashier to see if we have it in stock.

We also have a lot of event items (including unopened bags, etc) so if you are looking for those items that are not pictured here, please PM 7-11 Cashier and we'll check.

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