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1-16-2009 @ 9:49AM
This whole plan to me is flawed. I am paying $14.95 + tax (gotta love the tax states) to blizzard every month, and during extended patches, and outages I am not getting what I pay for, true. So why would I possibly want to add another 6 - 11 dollars per month onto that with the off chance that I may be able to make back a portion of that 6 - 11. You are not actually getting back any of the amount that you paid to Blizzard, you are only receiving a portion of the funds that you gave to the "insurance" company. To me it seems like an overly redundant system. I'm already out a portion of my 14.95 (plus tax... lol) why on earth would I want to just burn away extra money?
1-16-2009 @ 10:21AM
I think the best way to interpret the business model is to try an example.Lets say that 100 people sign up for this service, and they pay the company $6 each for the month of february. They now have $600 to invest. Lets say they have some lucrative form of investment and they can earn a 10% on that money. At the end of the month, they have $660. Now they have to give $600 back to the people that ponied up. And they have to pay additional money to those that experienced downtime. But as long as the additional money does not exceed their $60 profit (from the investment), they come out on top.Does that clear it up at all?If you are on a server with a greater chance of downtime, your monthly fee is higher. This is because they need to make more interest on their investment in order to cover the payout they will likely have to pay you.
1-16-2009 @ 4:31PM
The obvious question I didn't see asked is, "In which states are you licensed to sell insurance?"
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