This program has STOPPED paying! Do not invest there!
A few days ago, we published a “First Thoughts” article about Tudor Games (you can read it here). In it we presented an overview of the company’s activities and also offered a few preliminary comments on the Tudor Games investment plans. I’m going to repeat this introductory material here (so that it will all be in one place) and then take a closer look at the investment plans.
As the name of the company might imply, Tudor Games is involved with computer games. Specifically, they are involved with the “development of video games for personal computers (PC) and mobile platforms.” They appear to be well-organized in their approach to the fulfillment of this mission with “two departments with qualified specialists: creative and technical (IT). The creative department includes: sound technicians, graphic animators, moderators, game designers, producers, artists, screenwriters, etc. They create and depict worlds in which people will want to plunge. Technical department includes: programmers, system administrators, technical support specialists, engineers, analysts, etc. They are in charge of the monitoring competent work of the creative process, fixing the equipment and testing ready-made programs.” My background is in engineering and, in light of my own personal experience, it would appear that they have all the bases covered. If they have competent people on board, they could do very well.
Tudor Games offers two investment plans that are aptly named the “Mobile Devices” plan and the “Personal Computers” plan. Let’s call them the “MD” and “PC” plans for short. The MD plan pays 1% interest for 11 business days and returns your deposit at the end of the investment period. The PC plan pays 4.4% interest for 35 business days and includes your deposit as part of your interest earnings. Aside from the fact that the investment plans are based on business days rather than calendar days, they are easy to understand. This isn’t always the case with HYIPs as sometimes the investor has to struggle to understand how an investment plan works. Working a few numbers in my head, it also looks like the Tudor Games investment plans are “conservative,” meaning that they do not promise insane returns which will be impossible for the company to sustain in the long term. So, Tudor Games may have something for us that will be worth our while to take a very serious look at.
Analysis of the Tudor Games Investment Plans.
Here is the information describing the investment plans as it is given in the website:
- Mobile Devices
1% for 11 business days
$10 – $10,000
- Personal Computers
4.4% for 35 business days
Principal returned with interest
$30 – $30,000
Let’s take a look at the MD plan first. Paying 1% per day for 11 business days, that comes to a total of 11%. Since your principal is returned to you, as the website indicates, the 11% is your total net profit. Now, let’s average this out over the number of calendar days in the plan to get what we at EmilyNews refer to as the daily net interest (DNI) for the program. Since there are typically 22 business days in a 30-day month, the ratio of 30/22 is usually used to determine the number of calendar days that are equivalent to a given number of business days. Applying this ratio to 11 business days, we get that the investment plan is around 15 calendar days long (30/22 x 11). So, averaging out the 11% total net interest over this 15-day period, we get a DNI of 0.73% (11/15). This means that if, for example, you invested $100 in the program, although you would be earning 1% of this, or $1, every business day, since the program is 15 calendar days long, this would be equivalent to earning $0.73 per calendar day for the longer period. In a way, this is simply another way of saying things. However, it turns out that DNI is a very good way of comparing the profitability of different investment plans. We will understand this better when we take a look at the PC investment plan — which is what we’ll do next.
Unlike the previous plan which returned your investment at its conclusion, the PC plan includes it as part of your earnings. So, the percent return is a gross return rather than a net return. The website is very clear about this and indicates that the total gross return for this plan is 154%. You get this by multiplying the daily percent paid, 4.4%, by the number of paying pays, 35, in the plan. Since this amount includes your investment, your total net profit is 100% less than this or 54%. Like for the MD plan, we can also determine the number of calendar days in this plan by multiplying the number of business days in the plan, 34, by the ratio 30/22 to get around 47 days. Finally, dividing the total net interest by this we get a DNI of around 1.15%. Again, to use our $100 investment example, for the PC investment plan, we earn the equivalent of $1.15 for each calendar day in the term of the plan.
Clearly the PC plan is the more profitable of the two investment plans. Using our example, you earn $1.15/day vs. $0.73/day, $.42 more. Depending on how you look at it, that’s around 50% more. Since the minimum investment for the PC plan is only $30, it would appear to make sense for a person to forget about the MD plan and put their money into the more profitable PC plan. This is from the point of view of the relative profitability of the two plans.
It’s important to note that the DNIs of BOTH plans are in the right ballpark in-so-far-as sustainability of the overall program is concerned. In the article in HYIP Insights #12 (that you can read here), we suggested that programs with investment plans having DNIs of less than 1% would have a relatively high chance of surviving in the long term. The MD plan is well within this range and the PC plan is only a tad over it. So, if the program is run wisely, from the point of view of the returns it is obligated to pay its investors, there is the potential for long term survivability.
However, there ARE other factors that a person might want to consider. Perhaps most important is that the PC plan is around three times as long as the MD plan — 47 days vs. 15 days. If a person DOES have a concern for the longevity of the overall program, this could be a deciding factor in favor of the MD plan.
Before we make a final comparison of the two investment plans, let’s take a quick look at how long it takes each of them to break even. For the MD plan this is simple as you don’t come out ahead until your principal is returned to you at the end of the plan — after 15 calendar days. For the PC plan, since you earn 4.4% gross interest per business day, you can determine how many business days it will take you to recover your investment by dividing 100% by 4.4%/day to get around 23 business days. Again using the ratio of 30/22, the equivalent number of calendar days for the PC plan to break even is around 32 days (30/22 x 23). So, for the PC plan, you would spend the first 32 days or so gradually recovering your investment. Then, after that, for the remaining 15 days of the plan, you would be “home free” and earning pure profit. So, comparing the two plans from this point of view, for the MD plan you have to bite your nails for 15 days before you see a profit (and risk everything during this period) while in the PC plan, you have to bite your nails for twice as long, 32 days. However, during this period, you are slowly recovering your investment. So, if the program should close during this period, it is unlikely that you would lose everything.
Well, all this should give you enough to think about in deciding:
- Whether of not you would like to invest with Tudor Games and
- if you do, which of the Tudor Games investment plans might be the right choice for you
Other Features if the Tudor Games Investment Program.
At present, Tudor Games uses Perfect Money, Payeer, and Bitcoin as its payment processors. Withdrawals are processed manually and it can take up to 48 hours for this to occur. It looks like Tudor Games only processes withdrawals on Business days. So, if you submit a withdrawal request on a Friday, I wouldn’t expect to receive any funds until the following Tuesday. The minimum withdrawal amount is $1 for Perfect Money and Payeer and $20 for Bitcoin.
It appears that deposits can take up to 24 hours to be processed. Here is the statement from the FAQ dealing with deposits. It isn’t clear to me as it refers to payments and deposits in the same sentence: “Payments are made at an interval of the 24th hour from the moment of your deposit introduction.”
I note that the processing time for both withdrawals and deposits is rather long. Perhaps Tudor Games is factoring Bitcoin confirmation time into these estimates to be on the safe side.
Tudor Games states that withdrawals must be “made on that electronic payment system from which the deposit has been made.” However, the website goes on to say that “Since it is hard to define fluctuation degree of Bitcoin currency course in relation to dollar, we have created system at which you won’t experience losses on bitcoin volatility. It means that your money are tied to USD, and you receive payments in bitcoin. 1BTC = $15000.” Does this mean that Bitcoin deposits are converted to US dollars at the given exchange rate and the dollars converted back to Bitcoin at that same rate when a withdrawal request is made? I think so. However, I cannot understand why the company would want to do this. Either the company OR the depositor will lose due to the variation in the exchange rate between Bitcoin and US dollars. Why create this unhappy situation? If Bitcoin deposits are simply left as Bitcoin, then this situation cannot arise. Perhaps the company is assuming that the dollar value of Bitcoin will continue to rise so that they will always come out ahead?
Tudor Games has a satisfactory affiliate program that pays 5%, 2%, 1%, and 1% on deposits made in the first four levels of a person’s downline. You don’t have to have an active deposit in order to benefit from this affiliate program. For more serious players that have an active deposit of at least $1,000 or have attracted investors with deposits of at least a total of $10,000, these commissions are upped to 8%, 3%, 2%, and 1%. A person in this category is referred to as a “Representative” and must communicate with the Tudor Games Admin to have his status as a Rep confirmed.
Support options with Tudor Games are good. There is a support email address as well as the standard contact for me. Most important, there appears to be live chat although, as I write this, the chat desk was offline. No hours of operation of the chat desk are given. That would be helpful.
All in all, I like the Tudor Games investment program. There are a few questions and quirks that should be addressed. However, the investment plans are conservative and appear to be well thought out. By conservative, I mean that they should have a decent chance of surviving in the long term. That, of course, is the most important consideration for the HYIP investor. So, if you are a fan of this flavor of program, you might want to try your luck by making an investment with them. However, we always caution our readers that investment with any HYIP is risky business. So, diversify your investments among a number of programs and never invest more than you can afford to lose. Good Luck!
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