This program stopped PAYING! Do not invest there!
Introduction and Analysis of Investment Programs.
Vavilon is involved with what they refer to as the “construction of eco accommodation.” The company builds residences, but emphasizes the use of materials having minimal adverse ecological impact. They also employ building techniques that minimize the time of construction.
Vavilon has been online since April 17 and just recently announced that they have reached 1,000 registered users. So, as an investment platform, Vavilon is making good progress. Looking over the website, an attractive feature is that the script is brief and to the point. Frequently an HYIP will spend a lot of time telling about how good their personnel are. There is none of that here which is refreshing.
But, what about the Vavilon investment plans? That’s what we’re interested in, right? OK, there are three of them and they appear to be very well thought out. All of them return your principal as part of your earnings. Here they are:
Econom: 3%/day for 50 days, $20 – $200
Eco: 3.1%/day for 55 days, $200 – $2,000
Smart: 3.2 %/day for 60 days, $2,000 and higher
Let’s take a detailed look at the Econom plan first. In HYIP Insights #12, entitled “An Investment Formula,” (that you can read here) we spent a lot of time explaining a new term that we called “Daily Net Interest” or DNI for short. It is very useful in comparing investment plans such as these where BOTH the interest rate and the term vary. It provides us with a way to determine which plan offers the highest net profit on a daily basis. This is an average profit over the length of an investment program term, not an actual rate that you will receive on any particular day. For the Econom plan it works like this. First you calculate the total GROSS interest which is the daily percent paid times the number of days in the plan. In this case it would be 150% (3 x 50). Since this includes your initial investment, you must subtract 100% to get the total NET interest paid by the plan. And, in this case, it would be 50%. If you divide this by the number of days in the investment plan you get an average daily interest rate or DNI of 1% (50/50). So, as far as HYIPs go, this is a fairly conservative plan. Referring back to the HYIP Insights article referenced above, a DNI of 1% would be at the bottom end of the “Medium Interest” programs we talked about there. Such a DNI is within the range where a program could possibly be a long term survivor.
There are a few more quantities that might be of interest to the investor. Like DNI, which is a DAILY net profit, you can also talk about WEEKLY or MONTHLY net profits. The weekly is simply seven times the daily and the monthly is 30 times the daily. So, for the Econom plan, the weekly would be 7% and the monthly would be 30%. Assuming that you continue to invest in this plan, it will take you around three months to double your money.
Finally, you might want to know how long it will take you to break even. You determine this by dividing 100% by the gross daily percent interest that the investment plan pays you. So, for the Econom plan this would be 34 days (100/3). Since the plan is 50 days long, the 16 days after this are when you earn your net profit.
If you make the same calculations for the other two plans, you get the following results:
Econom: 3%/day for 50 days
Total gross interest = 150%
Total net interest = 50%
DNI = 1%; weekly = 7%; monthly = 30%
Days to break even = 34
Eco: 3.1%/day for 55 days
Total gross interest = 170.5%
Total net interest = 70.5%
DNI = 1.28%; weekly = 8.96%; monthly = 38.4%
Days to break even = 33
Smart: 3.2 %/day for 60 days
Total gross interest = 192%
Total net interest = 92%
DNI = 1.53%; weekly = 10.71%; monthly = 45.9%
Days to break even = 32
Now you might understand what I meant when I initially said the investment plans were well thought out. DNI is the most important factor and it appears that the folks at Vavilon realize this and designed their plans so that, as we advance through them, the DNI increases by around .25% each step. So, the last plan is the most profitable one. The drawback is that a person has to commit his funds for a longer time to enjoy the greater return.
Looking at these summaries above, it is interesting to note that the days to break even DECREASE slightly for the higher interest plans. This is because the breakeven point only depends on the gross percent interest that is paid. So, since the higher interest programs are longer, they have longer periods where you are earning pure profit. That’s why they are more lucrative.
Numerical Examples and Conclusion.
OK, let’s put some dollars and cents into the discussion of the previous part of this article. Let’s first do this with an investment of $150 in the Econom plan.
The Econom plan pays 3% per day for 50 days. That comes to $4.50 per day (.03 x 150). So, after 50 days, the total for your daily earnings will come to $225 (4.5 x 50). Subtracting your initial investment of $150, your total net profit is $75. If you spread this out over the 50 days, the effective daily net profit is $1.50 (75/50). One dollar and 50 cents per day is 1% (1.5/150 x 100) of our initial investment. Of course, this is the DNI that we worked out before. The days to break even is the total investment divided by what you earn on a daily basis which gives you 34 (150/4.5) days. You have probably noticed that here we have calculated everything with dollars. In the previous part of this article, we used percents. Using percents is probably a “stronger” way to do things as it applies to any investment. However, either approach works fine.
Let’s do a second calculation using $1,500 as an investment on the Eco plan.
The Eco plan pays 3.1% for 55 days. That gives up a daily interest earning of $46.50. After 55 days these daily receipts will come to $2,557.50 (46.5 x 55), your total gross profit. Subtracting your initial investment of $1,500, you get your total net profit of $1,057.50 Dividing this by 55 days, the length of the investment plan, you get an average daily net profit of $19.23 (1,057.50/55). This is 1.28% (19.23/1500 x 100) of your initial investment, the DNI for this plan that we calculated earlier. The days to break even for this investment is the total investment divided by the gross daily earnings which comes to 33 days (1500/46.50) which, of course, is the same as we calculated earlier using percents only.
When Vavilon first went online, only the first investment plan was active. Then, on June 8, almost two months later, the second plan was activated. Until now, the third plan, the Smart plan, hasn’t yet been activated. I am interpreting this to mean that Vavilon is waiting until they are in a comfortable financial position before activating their most lucrative investment plan. This is a very wise approach and can only add to the longevity of the program. So, since the Smart plan isn’t active yet, we’ll skip working a numerical example for it. However, it’s easy to do. Just follow the steps we took in the past two examples and you will be fine!
Vavilon uses the following payment processors: Perfect Money, Payeer, Bitcoin, and AdvCash. Deposits and withdrawals are instant, with the acknowledgement that there might be delays when dealing with Bitcoin due to the verification process. The minimum deposit is $20 for all plans and the minimum withdrawal is $.10 — one dime.
Vavilon has a referral program. The referral commission that you can earn depends on the plan that the participant invested in. You receive 8% of deposits made in the Econom plan, 10% for the Eco plan, and 12% for the Smart plan. In order to receive commissions you must have an active investment with Vavilon. This is different from most HYIPs where no investment is usually required.
As far as support is concerned, although there is a British phone number, I suspect that the principal means of getting help if/when you might need it will be by means of the contact form. As I typically point out, this can be satisfactory, if response time is short. If not, it can be very frustrating. Of course, the addition of live chat would be most welcome.
In closing, Vavilon appears to be a very well thought out program that offers investment plans with what should be sustainable interest rates. So, the serious investor might want to take a close look at the plans offered by Vavilon. As always, if you do decide to invest with Vavilon, make your investment a part of a diversified portfolio and never invest more than you can afford to lose. Good Luck!
*********************************
If one of the programs on our Monitor appeals to you, please support Emily News by registering for it on our website. Thanks very very much!
*********************************
Be the first to get most important HYIP news everyday!
Simply Follow EN Facebook, EN Telegram, EN Twitter
or Subscribe to EN Feedburner and submit your email address!
If you like this article, please share it by using the social media buttons below.
