who got bill today by C&B

[Korpg]

My god do people really not know how investments work? GG spelled it out perfectly, like an economics professor and they still White Knight

He has no idea what he is talking about. He is being anti-corporation here and thinking that throwing out a few choice words will make him look smart.

He needs to stick at what he is good at and not get into bigger stuff like pretending to understand investment and corporate strategy and trying to explain it to others that have even less of a viewpoint of strategy than he does.

These people would literally praise SE on their knees if SE implemented a payment system that has a guy come to your house, Kick you in your genitalia, and steal your credit card, simply because SE took the time to hire someone to do this, and how this will revolutionize the payment industry because now they created thousands of jobs for people to come kick them in the junk.

Maybe you. I don't like getting my nuts kick, thank you very much.

I'm not for or against this new payment system. It sucked that I had to change things around one time, but I understand why they did it.

Who I am against are those who spout this whole nonsense of "SE is evil and trying to steal our money away from us and not pay us interest that doesn't exist." In case you haven't realized, there is a pattern of who I reply to and what I reply. Never once did I defend SE as a whole, but rebutted these ideas that the general mob...I mean the general public have against corporations today. I guess I missed that episode of Jersey Shore that brainwashed you into thinking that wealth is bad and we should all live in the stone age.

[Dragoy]

Without joining the 'conversation', I have to say that buying Crysta, especially in the amounts currently available, is not fun. I'm quite annoyed by it, actually, and it's not a matter of 'how much' at all as some have mentioned. It could be few cents, it could be 10 euros, it's all the same.

I'm not vocal about it, but I would much rather pay for the game and exactly the fee that it requires, which should soon be possible though which was only to be expected. I only wonder why it wasn't in the first place!

Aside from that, I could be really angry about the fact that I have to pay roughly 100€ ($144) more per year now, but I just don't have the motivation, energy, nor the time to complain or to be angry about something like this. I much rather waste my time with something else. ^^;


Just some thoughts~
Enjoy yer conversation, don't mind me.


As for the topic of the thread... I fail to see it at this point. >.>;


Kind Regards,

[Shadowsong]

15$ now, $10 later is better for the reciever than 12.50$ now + 12.50$ later whats so hard to grasp about that? It's the entire basis of the insurance industry ffs

[Korpg]

15$ now, $10 later is better for the reciever than 12.50$ now + 12.50$ later whats so hard to grasp about that? It's the entire basis of the insurance industry ffs

No it isn't. You have no idea what the basis for insurance is.

Also, we are talking about investment (loans and interest) and not about insurance.

You are also implying that paying $15 now and $10 later is worse for the sender, which is also not true. Either way, both parties received and gave $25.

Especially since both party's total economic effects are unchanged over the 2 month period. Neither lost money nor gained money in either transaction.

If you think that paying an extra $2.50 is harmful for you, why are you paying $12.50 in the first place?

[TybudX]

This whole forum is funny in that it is always the same select people with their heads up their asses.

First off, "early fall" is an ambiguous term that certain people seem to have turned into "next month". Second, even if SE isn't 'investing' over half a million dollars into stocks or some such, do you really believe that one of the largest software providers in the world can't make use of that money in house? It's already on the books. It's not a matter of 'we pay 10 now, 15 later = 25', or '12.5 now 12.5 later = 25', it's a matter of 'they have 10 now'. We do not get that back. Does it go towards fees we pay to use their service? Yes. Do they get those fees earlier than they would have? Yes. Do they need to reimburse us for the money we pay them in advance for any reason whatsoever? Fuck. No. One way or the other they have this sum of money earlier, there is absolutely nothing stopping them from using it for anything they want.

Do you think they feed that money to the servers in order to keep them running? They have a bunch of guys in the basement with hardhats, shoveling stacks of cash into the ever hingry mouths of the FFXI server farms. No. That's ridiculous. The money they get early doesn't just disappear; one way or the other it is theirs. Having it sooner doesn't mean they need to sit on it until the next months pay schedule. We were given crysta for that. The money is theirs. Now.

[Korpg]

..and we come to the cruxes of the problem.

Do they need to reimburse us for the money we pay them in advance for any reason whatsoever? Fuck. No.

You want reimbursement for a service they provide now? You sir, are an idiot. You want them to pay you back now for you paying them for playing this game. You want them to pay you back for a $2 overcharge just so you can go back around and pay them the $2 back in the next month. And it seems like you are honest in your feelings towards the matter.

There is absolutely no difference between paying anyone $12.50 per month or $25 per 2 months, because you will still receive the service for 2 months at the value of $25. You can pay $150 for 12 months of service and still receive the benefit of the service for 12 months as opposed to paying them $12.50 per month for 12 months of service. Square Enix still records you paying them for 12 months of service at $150 regardless of you paying them every month for 12 months or once every year at July 15th. They still record the same income each year, not changing a thing regardless of payment method.

What they do have when you pay for a service ahead of time is a new account on their books called "Unearned Revenue" which they still, under contract between you and them, have to fulfill. If they are unable to fulfill their part of the contract, they are obligated to pay you for the extra fees, by the implied contract and US Commerce Code. Unless, however, you live in a backwards country that doesn't have sophisticated laws that protect both the company and consumer, then in this case you really need to think about moving.

You need to stay away from business policy, business laws, and any other subjects that you have absolutely no clue about. You need to concentrate at the things you are good at, like flipping burgers.

[Aldehido]

Guys sit down and carefully read what the galka and garuda have been saying. They're 100% correct, those of you making a huge fuss out of something simple, get a brain check and stop playing FFXI to go to a mental institution. plzkthx.

[Darkvalkyr]

I feel some people in this thread are the kinds of guys that go crazy and say their freedoms are being restricted and it's an infringement of their rights because the government says that they're banning X type of lightbulb while it is clearly inferior to type Y, and not ever thinking that type Z will combine the best of both.

[TybudX]

There is absolutely no difference between paying anyone $12.50 per month or $25 per 2 months, because you will still receive the service for 2 months at the value of $25.

We aren't paying $25 for their service. We are paying $25 (or whatever) for Cryta. Remember saying this?

Assuming that they will get that much even, they will receive an extra $635,495.90 (using your example) this month but lose $635,495.90 in the next month, so they basically break even. And so do you!

That isn't how it works. They get all that money... and they keep it. They aren't breaking even. They are coming ahead, because that money is money they can use right now, and they can start using it for whatever they want right now, which makes it more valuable.

We aren't paying cash for access to FFXI anymore, we are paying cash for Crysta.

Sinking in yet? It doesn't matter that it's 2.05 to each of us. When added up it's a significant sum of money, and they are getting it earlier than they normally would. So going back to GGs example, it's not how much you have it's when you have it. Lets say you were offered three choices.

You could wait 12 months and get 12 million.
You could get paid 1 million every month for 12 months.
You could get paid 12 million once at the start of 12 months.
You could get paid 11 million at the start of 12 months, and 1 million during the 2nd month.

Now, go ahead and think about how badly you are going to backpedal and bullshit your way around saying that the 3rd option isn't a fucking no-brainer. I threw that 4th one in there to show just how asinine your ideas are. I mean, are you really going to say that investing money sooner and for longer periods of time is a worse decision than investing money later for a shorter period of time?

edit - f'ing typo

[Alhanelem]

We aren't paying $25 for their service. We are paying $25 (or whatever) for Cryta. Remember saying this?

Crysta has basically no other use other than paying for their service, at least at the present time.