at which point it doesn't make any sense to pay now as technically you'd be paying for only 6 months.
We are almost August which means that you will be paying for 5 months weekly payout considering that this thing will keep on paying until the end of year . Due note that this is more like a
time bomb which can stop anytime sooner and if you are paying a high amount then you are risking alot for it.
Well, yes it depends when one has paid/would like to pay. And of course, whether or not the date of actual payment will be the "new year" for the user or will it be Dec 31 (+/- 6 months).
How long payment would/will come, that is a whole new issue.