After reading the last few posts here, I got curious (I don't stake 24/7). Loaded up my wallet and synced right up to the latest block, which is 185848 as of this writing. You are correct, they have to have 75,000 Rubies per spot owned to receive dividends then must buy another 20% more Rubies in order to keep dividends coming in for a second year. So unless they buy over time expect a decent rush in Feb/March/April 2017. It is something that can be considered, but would need to add after ROSee full review