{"id":2165,"date":"2017-10-18T04:02:27","date_gmt":"2017-10-18T04:02:27","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=2165"},"modified":"2017-11-10T04:18:51","modified_gmt":"2017-11-10T04:18:51","slug":"biostry-review","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=2165","title":{"rendered":"Biostry — Review"},"content":{"rendered":"

This program has STOPPED paying! Do not invest there!<\/strong><\/p>\n

Analysis of the Biostry Investment Plan.<\/strong><\/p>\n

A few days ago, we published a \u201cFirst Thoughts\u201d article on Biostry <\/a>(that you can read here<\/a>).\u00a0 In that article we pointed out the website isn\u2019t very clear about the company\u2019s activities.\u00a0 We also briefly introduced the company\u2019s single investment plan.\u00a0 That\u2019s primarily what I would like to take a closer look at in this review.<\/p>\n

<\/a><\/p>\n

The Biostry <\/a>investment plan is an example of a \u201cperpetual\u201d plan.\u00a0 By that I mean that your investment earns interest for you forever.\u00a0 This is a wonderful deal except that your investment is never returned to you.\u00a0 The idea is that, since you will be earning interest forever, your investment will be returned to you many-fold as part of your earnings.\u00a0 All this is great for the investor IF the company stays around long enough for him to at least break even — and, hopefully, for a long time after that.\u00a0 So, it is another twist on the HYIP game.\u00a0 Whether or not you should invest might depend heavily on how reliable you think the company\/Admin will be in fulfilling its\/his financial obligations to its\/his investors.\u00a0 We talked a little about this in HYIP Insights #16<\/em> (that you can read here<\/a>).<\/p>\n

The Biostry <\/a>investment plan pays 2.8% per day — on business days only.\u00a0 This comes to 14% per week (for a total of five days) which is more than satisfactory.\u00a0 The plan will break even in a little more than seven weeks (100\/14).\u00a0 So, you have to bite your nails for the better part of two months after which you will finally be in profit.\u00a0 However, during this seven week period, you are, of course, gradually earning your investment back.\u00a0 This minimizes your loss if, perchance, the company closes its doors prematurely.<\/p>\n

OK, let\u2019s figure out how good this investment plan is.\u00a0 There are a few tricky things going on here.\u00a0 First, the investment plan is \u201cperpetual\u201d and, second, it only pays interest on workdays.\u00a0 Let\u2019s tackle the second item first.\u00a0 The plan pays you 14% per week.\u00a0 Dividing this by seven, we get the effective daily (calendar days, not workdays) interest rate that it pays or 2% (14\/7).\u00a0 Note that, using this number, you can easily calculate that the program breaks even in 50 calendar days (100\/2) which, as we determined above, is just over seven weeks.<\/p>\n

When comparing one investment plan to another, we always compare the daily net interests (DNIs) — the effective average profit that a plan pays on a daily basis.\u00a0 However, in order to determine DNI, we must first know how long the term of the investment plan is.\u00a0 So, for a perpetual plan, what number should we use?\u00a0 We all know that an HYIP won\u2019t last forever.\u00a0 So, let\u2019s look at a number of different scenarios.\u00a0 First, let\u2019s take what would be just about the shortest length of time that would still enable you to break even with this investment plan — 60 days.\u00a0 Earning the equivalent of 2% per day, your total gross earnings for this period would be 120% (2 x 60).\u00a0 Subtracting 100% because your investment is included in this, you get total net earnings of 20%.\u00a0 This is your profit.\u00a0 Averaging this out over the 60 day length of the plan, you get an effective daily net interest (DNI) of 0.33%.\u00a0 This is kind of low in-so-far-as DNIs are concerned.<\/p>\n

Of, course, the longer the program survives, the higher the DNI will become.\u00a0 So, let\u2019s do the same arithmetic for longer survival periods.\u00a0 We’ll do it for 30 day periods all the way out to a full year (360 days).\u00a0 Here are the results:<\/p>\n

Days\u00a0\u00a0\u00a0\u00a0\u00a0 DNI\u00a0 %<\/u><\/p>\n

60\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 0.33
\n90\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 0.89%
\n120\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.17%
\n150\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.33%
\n180\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.44%
\n210\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.52%
\n240\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.58%
\n270\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.63%
\n300\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.67%
\n330\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.70%
\n360\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.72%<\/p>\n

To be honest, the results of this little exercise surprised me.\u00a0 Basically, it is saying that, no matter how long this program continues, the DNIs that it will be paying are NOT out of sight.\u00a0 Remember that in HYIP Insights #12<\/em> (that you can read here<\/a>), we suggested that DNIs of less that 1% are apt to be sustainable and that those over 2% probably won\u2019t be.\u00a0 Between 1% and 2% is anyone\u2019s guess.\u00a0 So, the DNIs that this program offers are reasonable.\u00a0 However, we also have to remember that this program goes on forever and that the company will have the obligation to pay these earnings ad infinitum.\u00a0 So, from that point of view, a low DNI is the best one.\u00a0 With a perpetual program, no one\u2019s investment term ends and starts with a new deposit.\u00a0 Thus, the company\u2019s payment obligations get worse and worse all the time.\u00a0 This is something to think seriously about before investing in a perpetual plan.<\/p>\n

It is extremely easy to work examples of earnings with this type of program.\u00a0 Suppose that you invest $200 in it.\u00a0 You will earn 2.8% of this per day, five days per week.\u00a0 This comes to $5.60 (.028 x 200) every workday.\u00a0 On a weekly basis you would earn five times this or $28 per week.<\/p>\n

Other Features of the Program.<\/strong><\/p>\n

BitCoin is the only payment method used by Biostry<\/a>.\u00a0 The minimum investment is 0.001 BTC and it can take up to 60 minutes for your investment to be confirmed.\u00a0 On the other side of the coin, the minimum withdrawal is 0.0005 BTC.\u00a0 Supposedly, withdrawals are instant.\u00a0 But, I don\u2019t see how this can be possible given the time that is required for confirmations of all Bitcoin transactions.<\/p>\n

Biostry <\/a>has an affiliate program that offers commission rates that are about normal for the industry.\u00a0 The program pays you 6%, 4%, and 2% on deposits made in the first three levels of your downline.\u00a0 You do not have to have an active deposit in order to earn commissions from the affiliate program.<\/p>\n

Support from Biostry <\/a>appears to be pretty good.\u00a0 They appear to have live chat — although no one was manning it when I was writing this review.\u00a0 There is also a support email address as well as the standard contact form, although I suspect that these go to the same desk.\u00a0 As interesting touch is the inclusion of a live Google street view map on the support page.\u00a0 Is the scene at the address for Biostry <\/a>given on the support page?\u00a0 Perhaps this implies that there will be staff hard at work in the office.<\/p>\n

In summary, Biostry <\/a>is a rather unique program.\u00a0 There are a lot of words on the website, but there really isn\u2019t too much content as to precisely what the company does for a living.\u00a0 The single investment plan is one of the unusual \u201cperpetual\u201d plans that appear in the HYIP industry from time to time.\u00a0 The advantage of such a program is, of course, that you can theoretically receive earnings forever.\u00a0 The disadvantage is that these earnings also include your investment. \u00a0So, it can be a while before an investor breaks even.\u00a0 This is the classical HYIP gamble. \u00a0If the program is a survivor, you can earn a lot of money; if it isn\u2019t, you will lose.\u00a0 All this said, carefully think about the pros and cons of this income opportunity and, if it is your cup of tea, you might want to invest with Biostry<\/a>.\u00a0 However, as always, we recommend that you make your investment a small part of a diversified portfolio.\u00a0 And, remember, for any HYIP, never invest more than you can afford to lose.\u00a0 Good Luck!<\/p>\n

<\/a><\/p>\n

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This program has STOPPED paying! Do not invest there! Analysis of the Biostry Investment Plan. A few days ago, we published a \u201cFirst Thoughts\u201d article on Biostry (that you can read here).\u00a0 In that article … Biostry — Review<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[563,554,559,560,555,564,558,556,557,553,579,578,552],"class_list":["post-2165","post","type-post","status-publish","format-standard","hentry","category-reviews","tag-biostry","tag-biostry-info","tag-biostry-investment-plan","tag-biostry-investment-program","tag-biostry-news","tag-biostry-review","tag-biostry-scam-or-paying","tag-biostry-update","tag-biostry-updates","tag-biostry-biz","tag-biostry-biz-investment","tag-biostry-biz-plans","tag-httpsbiostry-bizrefemilynews","exalt-entry"],"yoast_head":"\nBiostry - Review - 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=2165\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Biostry - Review | biostry.biz | Fair and Fast HYIP News | EmilyNews | EN\" \/>\n<meta property=\"og:description\" content=\"This program has STOPPED paying! 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