On 08/02/2016 07:13 PM, Stephen Michel wrote: > On Tue, Aug 2, 2016 at 10:03 PM, Aaron Wolf <aa...@snowdrift.coop> wrote: >> On 08/02/2016 06:48 PM, Stephen Michel wrote: >> <snip> >>> I think the cleanest initial way to go is "No more than $limit will be >>> added to your outstanding balance each month." That is, carried over >>> matches should *not* be counted towards your monthly limit, but fees >>> should, in their entirety. >>> >> >> Well said. Even though I have some willingness to defer to Robert and >> see his view… > > Me, too! Curious about Michael's view as well. > >> Well, let me put it this way: Stephen just stated the best wording of my >> own initial view. The idea that in two months, I pay less than 2x my >> monthly max is just fine. There's nothing objectionable about "we >> combined two months of charges into one charge to avoid excessive fees". >> That does not violate the expectations of someone having a monthly >> budget limit, it just says that they paid the first month late, charged >> at the same time as the second month. > >> So, I think Stephen's suggestion to count fees but not carry-overs is >> indeed the best approach, even though I won't fight that hard against >> Robert's "no charge is ever more than 1-month's-max". But in the end, a >> month that had *no* charges* followed by a 2-month-worth charge the next >> month is, I think, still in-line with patrons' budget expectations. > > Worth noting: deferred charges are different from a rolling balance. > > If your monthly limit is $10, it's acceptable to charge $0 one month and > $20 the next ONLY if $10 was added to your balance each month. If the > first month added $5, it's NOT acceptable to add $15 the following month > just because "it's still $10/mo". imo. >
Yes. Although the "$10 per month *means* $120/year actually" isn't totally crazy, it's the wrong approach. I agree that it's a $10 cap in month 1 and a $10 cap in month 2, it's just okay if during the 2 months, there's one combined charge of two <$10 charges.
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