Gentlemen,
I will be happy to wait to see who turns out to be correct. Maybe they put the yearly rate there just for show, but I can't believe how many people would invest in this coin, and really can't contemplate the concept that there is a strategy beyond doing the simple math you seem to be doing.
Like I said, I put most of my coins in the monthly interest as you do as well, I just diversify by putting the coins I earn in interest in the yearly, So I will get 70% on any free coins I earned, go ahead and do the math from here on out, and see if you get 70% interest on the coins you receive from this point forward, and see which would have been better.
And as far as saying what interest rates will be in the future, you are right, no one can predict it, but you can look at the pattern that has persisted so far and make assumptions based on that, mixed with the writing in the WHITEPAPER which most people who post here obviously didn't read.
You're right to some extend. It will probably be better from now on. BUT that 70% was there from the start. At the rates back then it would have taken about 3-4months to get that 70%. It's not logic, it should have been higher from the start and should have seen a steeper decline (too).