who got bill today by C&B

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Originally Posted by Analhelm

1% interest:
$15 (deposit month 1) + 1% interest = $15.15 ; plus $10.90 (deposit month 2) = $26.05; +1% interest for month 2 = $26.31

$12.95 (deposit month 1) +1% interest=$13.0795; plus $12.95 (deposit month 2) = $26.289795; +1% = $26.55269295.

so, oh wait. Unless I did my numbers wrong somewhere, they actually get more money by paying $12.95 constantly, than by over then underpaying!

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Yes, you did your math wrong. You inflated your second equation by 1%

12.95 + 1% +12.95 +1% = 26.289795

15.00 +1% + 10.90 + 1% = 26.3105

You're still wrong, and suck at math.

You guys are both wrong, you are assuming a 12% interest rate singularity compounded.

Which is what we don't have at the moment. The actualities are 4-6% complex compounded.

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Originally Posted by Korpg

You guys are both wrong, you are assuming a 12% interest rate singularity compounded.

Which is what we don't have at the moment. The actualities are 4-6% complex compounded.

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For a savings account sure, but why would anyone invest their money into savings?

You're also missing the big picture here which is not a single person without their two dollars. We are talking about thousands of transactions of overages.

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Originally Posted by Vivik

Yes, you did your math wrong. You inflated your second equation by 1%

12.95 + 1% +12.95 +1% = 26.289795

15.00 +1% + 10.90 + 1% = 26.3105

You're still wrong, and suck at math.

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I made an error, doesn't mean I suck at math, and even with the error corrected, you're still wrong. It doesn't matter if you take the same amount each month or more one month and less the next. They get no greater return on what they take from you. 4 cents is nothing, even with such a huge interest rate.

If you're really so bent up over a few extra pennies for a corporation in a capitalism based economy, then you need to go fly somewhere where capitalism doesn't exist.

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Originally Posted by Korpg

Square Enix receives an extra $2.95 per person this month. You are right, everyone is getting screwed, mayhem ensues. Square Enix desides that you can pay for the exact amount per month for Crysta instead of using $5 increments. Everyone pays $10.90 in Crysta this month and $12.95 in Crysta each month afterwards.
(...)
I think you are making a mountain out of a molehill here.

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I'd like to think that the aggression people had towards the new billing system helped SE move in the right direction of buying exact crysta. As long as I can buy exact amounts I'm satisfied. Kind of wish they didn't need third party companies to do this, but hey, at least we got heard and that's what matters.

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Originally Posted by Vivik

For a savings account sure, but why would anyone invest their money into savings?

You're also missing the big picture here which is not a single person without their two dollars. We are talking about thousands of transactions of overages.

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Thousands of transactions, if that many, worth $2 each, all of which does not earn interest and will be "repaid" by a lower bill for those who did get charged $2 extra for one month. This is not a money making "scheme" as you so put it. This in fact increases nor decreases SE's bottom line, and in term does not increase or decrease the total amount of money you actually pay.

You are inconvenienced about $2, we understand. You are more concerned about money than most people, and you are more concerned about $2 than every single corporation in the world.

But you need to see the big picture instead of your dogmatic narrow view of reality.

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Originally Posted by Analhelm

It doesn't matter if you take the same amount each month or more one month and less the next. They get no greater return on what they take from you. 4 cents is nothing, even with such a huge interest rate.

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The math does not lie man. It speaks for itself. I think it's funny how you can make fun of someone for "not being good at math" and mess it up yourself. You have fun with that.

The fact is 4 cents is still more no matter how you try and spin it. You're still wrong.

Quote:

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Originally Posted by Korpg

Thousands of transactions, if that many, worth $2 each, all of which does not earn interest and will be "repaid" by a lower bill for those who did get charged $2 extra for one month. This is not a money making "scheme" as you so put it. This in fact increases nor decreases SE's bottom line, and in term does not increase or decrease the total amount of money you actually pay.

You are inconvenienced about $2, we understand. You are more concerned about money than most people, and you are more concerned about $2 than every single corporation in the world.

But you need to see the big picture instead of your dogmatic narrow view of reality.

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How do you know our money is not earning interest? Do you work for SE as some sort of investment banker? I find it funny how hell bent you and Analhelm are defending a corporation doing the public wrong.

Maybe SE will come out with an in game white chocobo for you guys to ride around on for being such great and loyal customers.

It's ok, Vivik, it's their $4.10... wait, it's our $635495.90!

Yeah, nobody in their right minds would invest that. Especially not a business.

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Originally Posted by Vivik

How do you know our money is not earning interest? Do you work for SE as some sort of investment banker? I find it funny how hell bent you and Analhelm are defending a corporation doing the public wrong.

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Because they only have that money for 1 month. Nobody, and I mean nobody gives out a note that is due in 1 month. If they are going to spend the money they "supposed" to have as overpayment from us, they are really using money from another account or from another source because the shortest term of lending anyone in the world does is 3 months (US T-bills).

In the short term (2 months) SE will not profit from this because the 1 month they have a little more money from people, people will spend a little less the next month.

Maybe SE will come out with an in game tinfoil hat for you guys to wear all over the time for throwing conspiracy theories about what they will use the money that they received and basically lost within a 60 day period.