who got bill today by C&B

[Alhanelem]

I swear it's like talking to a brick wall. The fact still remains. They are taking your money (no matter how small it is per individual) and doing with it what they please.

There is in effect ZERO difference between taking $15 now and taking $10 later vs taking $12.50 now and $12.50 later. You can't argue against this. The amount of money they gain is no different whatsoever.

To argue on how insurmountable or insignificant the amount is is moot. The point still stands.

No, the point does not still stand. The point is destroyed by

1) the planned removal of the system, and
2) the insignificance. The harm to you is completely insignificant unless you quit playing before the change of the system. You have no point. You are just being a rotten apple, or crying over spilled milk, or whatever the best cliche phrase like that would be.

[Vivik]

There is in effect ZERO difference between taking $15 now and taking $10 later vs taking $12.50 now and $12.50 later. You can't argue against this. The amount of money they gain is no different whatsoever.

You can make interest off of the interest gained from the month before, so you're wrong.

[Alhanelem]

You can make interest off of the interest gained from the month before, so you're wrong.

The amount of interest gain from that is mathematically insignificant.

Go ahead. Go to your bank right now, and deposit $15. Deposit $12.95 in another account. Next month, deposit $10 in the first account, and $12.95 in the second. The following month, check the balances. Any interest gain from the month before is offset by the smaller deposit made the next month. They do NOT gain anything from that unless you stop paying, so you're wrong.

Over time, it does not matter whether you deposit more money in the bank and less later versus depositing a constant amount both times.

Oh and making any kind of money off of 2 dollars over the course of two months beats making it off of it for one month because you can make interest off of it's interest so yeah again, your lack of knowledge on investing money is pretty obvious.

No, actually, it's not. Your lack of understanding of basic math is more obvious.

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!

[Vivik]

The amount of interest gain from that is mathematically insignificant.

Go ahead. Go to your bank right now, and deposit $15. Deposit $12.95 in another account. Next month, deposit $10 in the first account, and $12.95 in the second. The following month, check the balances. Any interest gain from the month before is offset by the smaller deposit made the next month. They do NOT gain anything from that unless you stop paying, so you're wrong.

My point still stands and no matter how significant you claim it to be. Profit is still profit. One account or thousands of accounts. It's still profit. 1 penny or thousands of dollars, it's still profit. Profit that is unrepresented by a product/service for the money. I know you still wont get it but that's ok, I'm sure everyone else does.

No, actually, it's not. Your lack of understanding of basic math is more obvious.

Resorting to flaming with nothing to back it up makes you look like a moron. Just saying.

[Alhanelem]

I backed it up. Go read. Not that you backed up your claims that I know nothing of investments.

[Vivik]

I backed it up. Go read. Not that you backed up your claims that I know nothing of investments.

I didn't need to backup that you know nothing of investments. You did it for me, which everyone can now see.

[Alhanelem]

No, I didn't do it for you, which everyone can now see. In fact, I proved you wrong.

I have things to do, so I will now end this back and forth of Yes-uh! Nuh-uh! Yes-uh! Nuh-uh!

[Karbuncle]

Thou has no hope in defeating The Order of the White Knights.

Edited*

[Korpg]

and they could use the money today to invest in something with a larger return so yeah, you're wrong.

$2 is nothing. Not even worth investing. You have to look at the whole problem before you can answer the question.

1 month is nothing. Not even worth investing. Heck, T-Bills do not go below 3 months, and only have a much higher interest rate when sold in the millions, not singles. You can't buy a T-Bill under $1,000. Again, you have to look at the whole problem before you can answer the question.

Being anal about 1 month of letting SE have an extra $2 that you can deduct from your next month bill to pay the full amount (your next month's bill will be $2 cheaper, that is what I am saying) is not worth this agony that people are putting on.

[Korpg]

I swear it's like talking to a brick wall. The fact still remains. They are taking your money (no matter how small it is per individual) and doing with it what they please. This all before your money is represented with a product/service. Which is the point. To argue on how insurmountable or insignificant the amount is is moot. The point still stands.

Lets assume the following then:

Everyone has to buy Crysta now. They only sell it in $5 amounts, but the cost to play this game is $12.95. Everyone has to buy $15 of Crysta to play this game this month. Everyone started out with 0 Crysta. After getting billed, everyone now has $2.05 in Crysta that they "supposedly can't get back from the company when they quit (another issue, lets concentrate on the problem at hand)".

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.

Tell me, how is Square Enix getting a profit from all this? Remember, the present value of $1 for today's interest rate for one month is .99997, so about every $100,000 extra they receive, they get $1 interest. That means, for 1 month only, every 33,334 people they "overbilled" they get $1 extra in supposed interest (they still have to invest the money received to actually get interest, and there is no place in the world that sells interest for 1 month only). Is that really a supposed money making scheme? By their financials, they broke even because they received an extra $2.95 one month but lost $2.95 the next month afterwards, per person. The value of money fluctuates, so, unless the international interest rate exceeds 15% in the next month (it is currently about 6% worldwide average), this is a big risk for no rewards.

I think you are making a mountain out of a molehill here.