This program has STOPPED paying! Do not invest there!
Analysis of the Amazing Flow Investment Plans.
In our recent “First Thoughts” article on Amazing Flow, we said a few words about the company and also introduced its investment plans. Here’s what we said about the investment plans:
Amazing Flow offers five investment plans. They all pay interest daily. One of them returns your deposit at the conclusion of the plan while the other four return it along with your daily earnings. The interest rates that are paid appear to be attractive while not being so high that the program might be doomed to a premature closure because it cannot meet its payment obligations. The investment limits are reasonable, with only the two highest interest plans requiring $1,000 or more for a minimum investment. There is more to say about the Amazing Flow investment plans and we’ll cover that when we review the program in the next day or two. Please stand by…
With that as an introduction, let’s take a closer look at the investment plans. We’ll start with Plan #1. Here’s the info on that plan from the website:
Plan #1
Total gross interest. 122%
22 days
Daily accruals
$20 – $10,000
Deposit returned at end of period
Looking this over, you will immediately notice that the daily interest that is paid is missing. Let’s figure that out now. It’s very simple. If you subtract 100% from the total gross interest of 122%, you will get a total net interest of 22%. Since the program is 22 days long and since your deposit will be returned to you at the end of the plan, your daily interest return will be 1%. This is a NET return and this is what we refer to as daily net interest or DNI. So, the information for Plan #1 might better be written as follows:
Plan #1
1% daily for 22 days
Total gross interest. 122%
$20 – $10,000
Deposit returned at end of period
Next, let’s take a look at Plan #2. Here’s the information on that plan from the website:
Plan #2
Total gross Interest. 137.5%
25 days
Daily accruals
$70 – $50,000
Deposit included
Like with Plan #1, you obtain the total net interest by subtracting 100% from the total gross interest of 137.5%. This gives you 37.5%. Dividing this by the 25-day length of the investment plan, you get a daily net interest or DNI of 1.5%. However, since this plan returns your deposit as part of your earnings (rather than at the end of the plan as in Plan #1), the important thing an investor will want to know (and that is usually given in a website) is the gross interest that is paid on a daily basis. Just like determining daily NET interest by dividing total net interest by the days in the plan, we can also determine daily GROSS interest by dividing the total gross interest by the days in the plan. So, for this case, the daily gross interest comes out to 5.50% (137.5/25). With all this in mind, the more conventional way of describing this investment plan would be:
Plan #2
5.5% daily for 25 days
Total gross interest. 137.5%
$70 – $50,000
Deposit included
Plans #3, #4, and #5 all return your deposit as part of your earnings. So, we could easily do the same arithmetic as the above for all these plans and get the following results:
Plan #3
5.33% daily for 30 days
Total gross interest. 160%
$150 – $100,000
Deposit included
Plan #4
5.36% daily for 35 days
Total gross interest. 187.5%
$1,000 – $100,000
Deposit included
Plan #5
5.22% daily for 45 days
Total gross interest. 235%
$5,000 – $100,000
Deposit included
Here is a separate table of the values of DNI that we determined for the five investment plans:
- Plan #1. 1.0%
- Plan #2. 1.5%
- Plan #3. 2.0%
- Plan #4. 2.5%
- Plan $5. 3.0%
There is one final piece of information that we need before we discuss the strong and weak points of the investment plans. This is the number of days for each of them to break even. This is extremely easy to do. You simply divide 100% by the percent interest that you receive on a daily basis. For Plan #1, where you receive 1% per day, the number of days to break even is 100 days (100/1). However, the plan is only 22 days long. So, you must wait for your deposit to be returned at the end of the plan in order to break even.
Plans #2 through #5 differ from Plan #1 in that your deposit is returned to you as part of your earnings rather than at the end of the investment plan. This is why the interest that you receive in these plans is MUCH higher than what you receive in Plan #1. To get the break-even point for Plan #2, we divide 100% by the daily gross interest of 5.5% to get around 19 days.
Plans #3, #4, and #5 work the same way and if you do the same arithmetic, the results for all the plans would come out to be:
- Plan #1. 22 days
- Plan #2. 18.2 days
- Plan #3. 18.8 days
- Plan #4. 18.7 days
- Plan $5. 19.2 days
In Part 2 of this review, we’ll take an in-depth look at all this information in an effort to determine strong and weak points of the Amazing Flow investment plans. Please stand by for that in the next few days…
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