{"id":1539,"date":"2017-07-30T04:05:12","date_gmt":"2017-07-30T04:05:12","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=1539"},"modified":"2017-07-30T04:05:12","modified_gmt":"2017-07-30T04:05:12","slug":"hyip-insights-13-daily-net-interest","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=1539","title":{"rendered":"HYIP Insights #13 — Daily Net Interest"},"content":{"rendered":"

DNI Explained — Again.<\/strong><\/p>\n

I am sure that many readers of Emily News<\/em> are becoming familiar with the term \u201cDaily Net Interest\u201d (DNI) that we first introduced in Part 1 of HYIP Insights #12<\/em> entitled \u201cAn Investment Formula\u201d (and that you can read here<\/a>.)\u00a0 We feel that this term is extremely important to the HYIP investor as it enables him to compare the profitability of investment plans that can look very different at first glance.\u00a0 Some plans will return your principal at the end of the investment term while others will not.\u00a0 The terms of investment plans can vary widely. \u00a0Interest can be offered on an hourly, daily, weekly, or some other basis.\u00a0 There are probably other variables too.\u00a0 DNI sorts through all this and is the SINGLE TERM that you need to understand in order to see how lucrative an investment plan might be.<\/p>\n

But, let\u2019s review still one more time exactly what we mean by DNI.\u00a0 Even though investment plans might pay you earnings at different time intervals and for different lengths of time, all that really matters is the AVERAGE profit that you can put in your pocket on a daily basis.\u00a0 You may not actually receive this profit every day.\u00a0 However, after an investment plan is complete, this is the equivalent of the total percent profit if you averaged it out on a daily basis over the length of the plan; this is the DNI of the investment plan.\u00a0 If, for the same investment, one plan earns you an average of $5 per day profit while another earns you $6, the six dollar plan is the better deal because the daily profit or daily net interest (DNI) is greater.\u00a0 That\u2019s easy to understand.\u00a0 The trick is to see through all the information that camouflages the DNI for the investment plans you are interested in.<\/p>\n

I ought to note that I have never seen the term \u201cDNI\u201d used before.\u00a0 So, Emily News<\/em> might be making a little bit of HYIP history here.\u00a0 I actually think that it is the type of thing that Admins would probably prefer NOT to get involved with as it places all investment plans on an equal footing.\u00a0 By that I mean it cuts through all the trickery and clearly tells a person just how profitable an investment plan might be.\u00a0 Of course, it also lets you know if a program is offering such a high interest rate that it is likely to be unsustainable.\u00a0 We discussed the significance of DNI with respect to plan longevity in Part 3 of HYIP Insights #12 <\/em>(that you can read here<\/a>).\u00a0 But, that’s another issue that we won’t get into here…<\/p>\n

In Part 1 of HYIP Insights #12<\/em>, I worked through a number of different examples of how to calculate DNI.\u00a0 With just a few changes I\u2019m going to reprint that part of the article here.\u00a0 That\u2019s how important I think all this is\u2026<\/p>\n

DNI Calculations — Again.<\/strong><\/p>\n

Example 1.\u00a0 Investment plan pays 1.5% interest per day for 60 days and returns your principal at the end of the plan.\u00a0 This example is easy.\u00a0 Since you are getting your principal back, all the interest you earn is pure profit.\u00a0 So, the daily net interest, or DNI, for this example is simply 1.50%<\/u>.<\/p>\n

Example 2.\u00a0 Investment plan pays 3.5% interest per day for 45 days but your principal is returned to you as a part of your interest earnings.\u00a0 Here your TOTAL GROSS interest earnings would be 157.5% (3.5 x 45).\u00a0 Since your principal is included in this, you have to subtract 100% (corresponding to your initial investment) to get the TOTAL NET interest you will earn or 57.5%.\u00a0 This is earned over a period of 45 days.\u00a0 So, finally, you divide 57.5% by the 45 day investment term to get the equivalent DAILY NET interest, or DNI, of 1.28%<\/u>.\u00a0 A few people might have been confused by these two cases.\u00a0 Example 2 pays a higher interest rate, but, since it includes your principal, Example 1 is actually a significantly better deal.<\/p>\n

Example 3.\u00a0 Investment plan pays 25% per month and returns your principal after 60 days (2 months).\u00a0 Since your principal is being returned at the end of the investment term (like Example 1), your interest earnings are pure profit.\u00a0 Assuming there are 30 days in a month, your average daily net interest, or DNI, is 0.83%<\/u>\u00a0 (25\/30).\u00a0 So, even though this example has the highest numerical value for its advertised interest, its daily net interest is the lowest.<\/p>\n

Example 4.\u00a0 Investment plan pays 1.3% forever.\u00a0 This is an example of a \u201cperpetual\u201d investment plan.\u00a0 It\u2019s a little bit difficult to compare to the other examples as the principal doesn\u2019t explicitly come into the picture.\u00a0 Such a plan might typically offer an interest rate on the low side, the explanation being given that it\u2019s a good deal as you will be earning interest on your deposit forever.\u00a0 It IS a good deal if the program is a survivor.\u00a0 If it isn\u2019t, it\u2019s a bad deal.\u00a0 But, this is the classic HYIP dilemma again and we needn\u2019t get into that.\u00a0 I think that I would treat this example the same way we did example 2.\u00a0 But, in this case, you would have to ASSUME a life for the program.\u00a0 This is equivalent to assuming an investment term.\u00a0 Just to put some numbers on this, let\u2019s assume the program will survive for 6 months (180 days).\u00a0 So, the total gross interest you would receive would be 234% (180 x 1.3).\u00a0 Subtracting 100% to correspond to the return of your principal, the total net interest you would receive for the 180 day period would be 134%.\u00a0 Dividing this by 180, you would get the average daily net interest, or DNI, earned — 0.74%<\/u> (134\/180).\u00a0 Suppose we assume that the program would survive for a year (360 days).\u00a0 Then, the total gross interest that you would receive would be 468% (1.3 x 360).\u00a0 Again, subtracting 100%, the total net interest would be 368% and the average daily net interest, or DNI, would be 1.02%<\/u> (368\/360). \u00a0So, as you would expect, the longer the program survives, the higher the interest that you would earn.<\/p><\/blockquote>\n

Well, it\u2019s easy to see that this can get a little bit tricky.\u00a0 However, I hope I have made the point clear that, in order to compare interest rates offered by different programs, you MUST change them all to daily net interest (or some other common interest rate).\u00a0 You have to compare apples to apples or oranges to oranges.\u00a0 You can\u2019t compare apples to oranges and expect to come to useful conclusions.<\/p>\n

In Part 2 of HYIP Insights #12<\/em> (that you can read here<\/a>), I went through the calculation of DNI for a number of HYIPs that were in operation when I wrote the article.\u00a0 You might want to take a look at it in case you would like to see more examples of how to calculate DNI.<\/p>\n

OK, that\u2019s enough on DNI!\u00a0 I hope that by now you are becoming comfortable with the term\u2026<\/p>\n

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DNI Explained — Again. I am sure that many readers of Emily News are becoming familiar with the term \u201cDaily Net Interest\u201d (DNI) that we first introduced in Part 1 of HYIP Insights #12 entitled … HYIP Insights #13 — Daily Net Interest<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":311,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[126,131,181,303,116,53,90,91,152,312],"class_list":["post-1539","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hyip-insights","tag-daily-interest-rate","tag-daily-interests","tag-daily-net-interest","tag-dni","tag-emily-news-insights","tag-hyip-insights","tag-hyip-interest","tag-hyip-interest-rates","tag-interest-rates","tag-investment-daily-interest","exalt-entry"],"yoast_head":"\nHYIP Insights #13 - Daily Net Interest - EmilyNews<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/emilynews.com\/blog\/?p=1539\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"HYIP Insights - Daily Net Interest : Different HYIP investment blog. Fair and Fast updates | EmilyNews | EN\" \/>\n<meta property=\"og:description\" content=\"DNI Explained — Again. I am sure that many readers of Emily News are becoming familiar with the term \u201cDaily Net Interest\u201d (DNI) that we first introduced in Part 1 of HYIP Insights #12 entitled … HYIP Insights #13 — Daily Net InterestRead more\" \/>\n<meta property=\"og:url\" content=\"https:\/\/emilynews.com\/blog\/?p=1539\" \/>\n<meta property=\"og:site_name\" content=\"EmilyNews\" \/>\n<meta property=\"article:published_time\" content=\"2017-07-30T04:05:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2017\/02\/HInsights-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"200\" \/>\n\t<meta property=\"og:image:height\" content=\"200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Emilynews\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"HYIP Insights - Daily Net Interest : Different HYIP investment blog. 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