{"id":3283,"date":"2018-02-24T05:08:14","date_gmt":"2018-02-24T05:08:14","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=3283"},"modified":"2018-02-24T05:08:14","modified_gmt":"2018-02-24T05:08:14","slug":"hyip-insights-19-dni-formulas-part-2","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=3283","title":{"rendered":"HYIP Insights #19 – DNI Formulas Part 2"},"content":{"rendered":"

In Part 1<\/a> of this article, we developed a number of formulas for DNI for investment plans that return your deposit at the end of the investment term.\u00a0 In this second part of the article, I\u2019ll try to come up with a few formulas for DNI for investment plans that return your deposit as part of your earnings.\u00a0 As we did for the plans we looked at in Part 1, we will also develop separate formulas for plans where interest is paid on calendar days and where it is paid on business days.<\/p>\n

Before I begin, it would be a good idea to recall the symbols and their meanings that were introduced in Part 1.\u00a0 Here they are:<\/p>\n

DNI = daily net interest (based on calendar days)<\/p>\n

DNIB = daily net interest (based on business days)<\/p>\n

TNI = total net interest<\/p>\n

DGI = daily gross interest<\/p>\n

TGI = total gross interest<\/p>\n

CD = calendar days<\/p>\n

BD = business days<\/p>\n

With this out of the way, let\u2019s begin\u2026<\/p>\n

Deposit Included with Your Earnings — Interest Paid on Calendar Days<\/strong><\/p>\n

When your deposit is included with your earnings, your daily interest return is called a GROSS return because it isn\u2019t all profit.\u00a0 DGI is the symbol we use for that.\u00a0 OK, let\u2019s take a look at an investment plan that includes your deposit with your earnings.\u00a0 Your total gross earnings for the plan over its entire term would be your daily gross earnings times the number of days in the plan or,<\/p>\n

TGI = DGI x CD<\/p>\n

Since this includes your investment, we subtract 100% from it to get the total NET interest that you earn or,<\/p>\n

TNI = DGI x CD \u2013 100<\/p>\n

Finally, since your daily net interest, DNI, is the AVERAGE profit per day over the investment plan, you can obtain it by dividing the total net interest by the number of days in the investment term to get:<\/p>\n

DNI = (DGI x CD \u2013 100)\/CD\u00a0\u00a0\u00a0\u00a0 FORMULA #4<\/strong><\/em><\/p>\n

Example 4.<\/p>\n

An investment plan pays you 4.2% daily interest for 40 days.\u00a0 What is the DNI of the plan?<\/p>\n

The terms that we will use in Formula #4 are:<\/p>\n

DGI = 4.2%<\/p>\n

CD = 40<\/p>\n

Substituting into Formula #4, we get:<\/p>\n

DNI = (4.2 x 40 \u2013 100)\/40 = 1.70%<\/p><\/blockquote>\n

Deposit Included with Your Earnings — Interest Paid on Business Day<\/strong>s<\/p>\n

If your earnings are paid only on business days, then your total gross interest will be DGI x BD instead of DGI x CD.\u00a0 To get your total NET interest, like the previous case, you would subtract 100 from the gross to get:<\/p>\n

TNI = DGI x BD -100<\/p>\n

To get DNI, we are looking at the net interest averaged over the CALENDAR days in the investment plan.\u00a0 So, we divide the previous result by the number of calendar days to get:<\/p>\n

DNI = (DGI x BD \u2013 100)\/CD\u00a0\u00a0\u00a0\u00a0 FORMULA #5<\/strong><\/em><\/p>\n

If you know the number of calendar days in the investment plan, you can use this formula to get the DNI.\u00a0 However, typically, you are given the number of business days.\u00a0 Well, no problem, because in Part 1 of the article we determined that CD = 1.36 BD.\u00a0 Substituting this into the previous result, you finally get:<\/p>\n

DNI = (DGI x BD \u2013 100)\/(1.36 BD)\u00a0\u00a0\u00a0\u00a0 FORMULA #5a<\/strong><\/em><\/p>\n

Example 5.<\/p>\n

Find the DNI for an investment plan that pays 3.2% interest on business days for 90 business days.<\/p>\n

The values for the terms in Formula #5a are:<\/p>\n

DGI = 3.2<\/p>\n

BD = 90<\/p>\n

Substituting these values into Formula #5a, we get:<\/p>\n

DNI = (3.2 x 90 \u2013 100)\/(1.36 x 90) = 1.54%<\/p><\/blockquote>\n

Summary of Formulas for DNI for Investment Plans that Return Your Deposit as Part of Your Earnings.<\/strong><\/p>\n

Interest Paid on Calendar Days<\/strong><\/p>\n

DNI = (DGI x CD \u2013 100)\/CD\u00a0\u00a0\u00a0\u00a0 FORMULA #4<\/strong><\/em><\/p>\n

Interest Paid on Business Days<\/strong><\/p>\n

DNI = (DGI x BD \u2013 100)\/CD\u00a0\u00a0\u00a0\u00a0 FORMULA #5<\/strong><\/em><\/p>\n

DNI = (DGI x BD \u2013 100)\/(1.36 BD)\u00a0\u00a0\u00a0\u00a0 FORMULA #5a<\/strong><\/em><\/p>\n

OK, that\u2019s about if for DNI Formulas.\u00a0 As we suggested in Part 1 of this article, you might want to copy these formulas down on a piece of paper and keep them in a handy spot.\u00a0 You will find that, once you get used to using them, you will be able to come up with the DNI for just about any investment plan that you might encounter in just a minute or two.\u00a0 You won\u2019t need me to do this for you anymore!<\/p>\n

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In Part 1 of this article, we developed a number of formulas for DNI for investment plans that return your deposit at the end of the investment term.\u00a0 In this second part of the article, … HYIP Insights #19 – DNI Formulas Part 2<\/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":[181,956,303,955,116,53,117,957],"class_list":["post-3283","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hyip-insights","tag-daily-net-interest","tag-daily-net-interest-formulas","tag-dni","tag-dni-formulas","tag-emily-news-insights","tag-hyip-insights","tag-hyip-insights-library","tag-insights","exalt-entry"],"yoast_head":"\nHYIP Insights #19 - DNI Formulas Part 2 - 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=3283\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"DNI Formulas Part 2 | FAIR and FAST HYIP News | EmilyNews | EN | FAIR and FAST HYIP News | EmilyNews | EN\" \/>\n<meta property=\"og:description\" content=\"In Part 1 of this article, we developed a number of formulas for DNI for investment plans that return your deposit at the end of the investment term.\u00a0 In this second part of the article, … HYIP Insights #19 – DNI Formulas Part 2Read more\" \/>\n<meta property=\"og:url\" content=\"https:\/\/emilynews.com\/blog\/?p=3283\" \/>\n<meta property=\"og:site_name\" content=\"EmilyNews\" \/>\n<meta property=\"article:published_time\" content=\"2018-02-24T05:08:14+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=\"DNI Formulas Part 2 | FAIR and FAST HYIP News | EmilyNews | EN | FAIR and FAST HYIP News | EmilyNews | EN\" \/>\n<meta name=\"twitter:image\" content=\"http:\/\/emilynews.com\/blog\/wp-content\/uploads\/2017\/02\/HInsights-1.jpg\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emilynews\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/emilynews.com\/blog\/?p=3283\",\"url\":\"https:\/\/emilynews.com\/blog\/?p=3283\",\"name\":\"HYIP Insights #19 - 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