**This program has STOPPED paying! Do not invest there!**

In our “First Thoughts” article comments about the Ryna Holdings (Ryna for short) investment plans, we pointed out that the plans appear to offer modest returns that might appeal to the more conservative investor. We also noted that the website obscures the interest rates that are paid and suggested that the reason might in fact be because of these lower returns — at last compared to the typical HYIP. However, all these were preliminary comments and we promised that, when we review the program, we would examine these investment plans in much greater detail. That’s what we will do now…

**The Ryna Holdings Investment Plans.**

Ryna offers three investment plans. They are called “Packages” and their names are the Basic Package, the Top Package, and the Ultimate Package. All of the plans are one year long and return your deposit (investment) with your earnings. So, these are definitely a long-term investment plans. All of the plans pay earnings on a daily basis and these earnings can vary from day to day between limits given by the calculators for each of the investment packages.

The website also gives the investment limits for each plan as well as the maximum total gross annual interest each plan can pay. Here is that information:

Basic Package

$10 – $1,000

Annual return up to 329%

Top Package

$1,001 – $5,000

Annual return up to 475%

Ultimate Package

$5,001 – $30,000

Annual return up to 620%

Comparing these numbers, it is easy to see that, in-so-far-as investment limits are concerned, one plan begins where the previous one leaves off. However, missing from this information are the daily rates of interest that each plan pays. They are actually given but are hidden in the data for dollar values of earnings that the calculators for each plan provide. Let’s try to sort through that now.

We’ll start by taking a close look at the information given for the Basic Package. First of all, as is also true for the other packages, no matter what investment you select in the calculator, it will give you the DOLLAR value (these are NOT percents) of the LIMITS of your return on a daily, weekly, or monthly basis. Daily would really be sufficient as you can get the weekly returns by multiplying the daily by seven and the monthly by multiplying the daily by 30. There might be a little bit of “round-off” error. Just ignore that. So, for the most part, in what follows, I will be referring to the data given for daily returns (as the other data really aren’t necessary).

OK, still looking at the Basic package, set the calculator to the minimum investment of $10. The calculator will then tell you that your daily gross return will be a minimum of $0.06 and a maximum of $0.09. Well, we want to know what PERCENT of our deposit we are earning on a daily basis. That’s simple to determine. You divide the dollar value of the return by the dollar value of your investment and then multiply the result by 100 to make it a percent. Doing this for the $0.06 return, we get a daily gross interest of 0.60%/day (.06/10 x 100). Also doing this for the return of $0.09/day, we get a daily gross interest of 0.90%/day (.09/10 x 100). So, your daily gross interest can be anywhere between 0.60%/day and 0.90%/day. If you take the high value of 0.90% and multiply it by 365 days, you get 329%. This checks with the value given in the website as the maximum possible value of your total gross interest. Two things should be clear about that:

1. It is a gross return. You should subtract 100% from this to get your total net interest. The total net interest (profit) would therefore be 229%

2. It is very unlikely (impossible?) that you would receive this amount as it assumes you are receiving the maximum return every day of the year. To be very safe, for purposes of estimating income, you might want to use the minimum return that is promised. Perhaps the most accurate way to go might be to use the average of the minimum and maximum. In this case, the average of the minimum daily gross interest of 0.6% and the maximum daily gross interest of 0.9% would be 0.75%/day ((.6 + .9)/2).

To make all this very clear, now set your calculator to $1,000, the maximum permissible investment for the Basic Package. In this case, you get a minimum daily return of $5.92 and a maximum daily return of $9.01. The equivalent percent return for the $5.92 dollar return would again be 0.60% per day (5.92/10 x 100), the same as we obtained for the minimum investment of $10. Likewise, the equivalent percent return for the maximum investment permissible investment would again be 0.90%/day. The point is that the percent return for the Basic Package does NOT change no matter what the value of your investment might be.

Let’s move up to the Top Package now and repeat some of these same calculations. We’ll start by looking at the minimum investment of $1.001. The calculator indicates that this investment would yield a minimum daily return of $10.01 and a maximum of $13.03. The PERCENT return corresponding to the minimum return comes out to 1.00%/day (10.01/1,001 x 100) and the percent return corresponding to the maximum return comes out to 1.30% (13.03/1,001 x 100). Just as was true for the Basic Package, you would get the same gross daily returns no matter what your investment is in the Top Package. For purposes of predicting earnings, it might be useful to compute the average percent return these two extremes. This comes out to 1.15% (1 + 1.3/2).

One other thing is worth noting. If you would like to invest $1,000 with Ryna, please add one dollar to it so that you can use the Top Package rather than the Basic Package. Referring to the average daily gross interests that we have calculated, this will increase your gross return from 0.75% per day to 1.15% per day. This is very significant and applies to any investment a person is considering that is only a little below $1,000. My suggestion would be that, for investments of $900 and above, add whatever is necessary to them to bring them up to $1,000 so that you can enjoy a much more favorable interest return of the Top Package.

OK, in the interest of saving paper and, in case you’re getting sick of looking at numbers, I’m not going to do all this again for the Ultimate plan. However, here is a table of the results you would get if you had done all this arithmetic. I’m going to also include some of the given information about the three investment plans as well.

Basic Package

$10 – $1,000

Minimum daily gross interest. 0.60%

Maximum daily gross interest. 0.90%

Average daily gross interest. 0.75%

Top Package

$1,001 – $5,000

Minimum daily gross interest. 1.00%

Maximum daily gross interest. 1.30%

Average daily gross interest. 1.15%

Ultimate Package

$5,001 – $30,000

Minimum daily gross interest. 1.40%

Maximum daily gross interest. 1.70%

Average daily gross interest. 1.55%

Now that you have all this information in front of you in one place, you can probably appreciate the order to the numbers that are involved. First, the difference between the minimum and maximum gross daily interest in each of the plans is 0.30%. Second, the difference between the lowest daily gross interest of one package and the highest daily gross interest of the one before it is 0.10%. Whoever designed these investment plans was on the ball. The shame of all this is that I have had to do a few pages of arithmetic to figure everything out. I feel that this information should have been provided in the website description of these investment plans. In our First Thoughts article, we suggested that the reason why Ryna might not have done this is because these interest rates are somewhat low for the HYIP industry. As far as Emily News is concerned, they are EXACTLY what we are looking for! They are EXACTLY what will maximize the chances for long-term survival of this investment program!

We still have a lot of ground to cover. All we’ve done so far is to “decode” the Ryna investment plans. But, this is enough for now. In Part 2 of this review, we will analyze these investments plans, discuss their strong and weak points, and, finally, see what conclusions we can draw from all this. Please stay tuned…

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