Because of the complexity of the calculations, and the necessity to tailor them to your own situations, I do not purport to tell you whether you make, or lose, money by your transactions on Bitlanders.  You are (hopefully) an adult, and my purpose is to encourage you to think like one, and not to replace my judgment for that of Bitlanders.    I've listed some factors for consideration, and given you the concept of present value... an accepted standard in economic circles... so that you can make your own decisions.