Also introduced in 2008, Funcom added micro-transactions to the game called paid points.
Alternatively, players are also awarded bonus paid points based on number of months of subscription purchased.
Free subscribers may also purchase paid points to participate in micro-transactions and purchase in-game items that do not directly impact combat related gameplay.
Cyprus could, of course, refuse to pay point blank.
So how do you know if paying points is worthwhile?
Only about 5 percent of Universal's customers pay points, he said.
In other deals, borrowers pay points to get a lower rate.
Some borrowers pay points, or a fee, to lower the mortgage rate.
The caveat here, of course, is that in order to get those low rates, borrowers are paying points — essentially, interest paid up front, in a lump sum.
Earlier this year, he worked with some builders who tried to attract buyers by offering to pay points and closing costs.
Estimating how long you expect to live there will help determine whether to pay points -- each point is 1 percent of the loan amount -- to lower the interest rate.
