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If you just buy $40 cards or whatever, your balance will eventually go to zero. It's happened several times for me under the current fare structure. So I don't really see what this guy is talking about.
Here is my take on it, combining mathematics and practical approach: The I-Quant approach is excellent for short-term cards and helps tourists and those coming to NYC on a business trip if they intend to use subway. For those of us who use subway every day, it's either unlimited if you make more than 2 trips a day, or, if you don't buy unlimited, just do 50 dollar metro card, you will get 2.50 bonus on it which makes it 21 trips, so anytime you buy in the increments of 50 dollars, you are fine.
I just get unlimited monthly, 2 trips everyday with 2-8 on the weekends depending on what's going on and the mandatory grocery shopping. Still better than the mandatory $500 gas I used to pay because of my old crazy commute haha.
I have been going to the booth an giving her a $20 and a nickel saying "Put 19.05 on the card." Once she said "Why not put $20 on and it will come out even."
I said "No it won't" and started to explain it to her but stopped after two words when I saw her eyes glaze over and said "Just $19.05 please."
The logic of course is that the 5% bonus is exactly $.95 and the total is $20. (for me 16 rides)
If you are out of sync and you want to get on track with exact rides, here's a quick and easy app: NYC MetroCard Bonus Calculator
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