{"id":3501,"date":"2018-03-06T04:10:50","date_gmt":"2018-03-06T04:10:50","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=3501"},"modified":"2018-04-05T04:06:31","modified_gmt":"2018-04-05T04:06:31","slug":"amazing-flow-review-part-1","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=3501","title":{"rendered":"Amazing Flow – Review Part 1"},"content":{"rendered":"

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

Analysis of the Amazing Flow Investment Plans.<\/strong><\/p>\n

In our recent \u201cFirst Thoughts\u201d article on Amazing Flow<\/a>, we said a few words about the company and also introduced its investment plans.\u00a0 Here\u2019s what we said about the investment plans:<\/p>\n

Amazing Flow<\/a>\u00a0offers five investment plans.\u00a0 They all pay interest daily.\u00a0 One of them returns your deposit at the conclusion of the plan while the other four return it along with your daily earnings.\u00a0 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.\u00a0 The investment limits are reasonable, with only the two highest interest plans requiring $1,000 or more for a minimum investment.\u00a0 There is more to say about the\u00a0Amazing Flow<\/a>\u00a0investment plans and we\u2019ll cover that when we review the program in the next day or two.\u00a0 Please stand by\u2026<\/p><\/blockquote>\n

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

With that as an introduction, let\u2019s take a closer look at the investment plans.\u00a0 We\u2019ll start with Plan #1.\u00a0 Here\u2019s the info on that plan from the website:<\/p>\n

Plan #1
\nTotal gross interest.\u00a0 122%
\n22 days
\nDaily accruals
\n$20 – $10,000
\nDeposit returned at end of period<\/p>\n

Looking this over, you will immediately notice that the daily interest that is paid is missing.\u00a0 Let\u2019s figure that out now.\u00a0 It\u2019s very simple.\u00a0 If you subtract 100% from the total gross interest of 122%, you will get a total net interest of 22%.\u00a0 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%.\u00a0 This is a NET return and this is what we refer to as daily net interest or DNI.\u00a0 So, the information for Plan #1 might better be written as follows:<\/p>\n

Plan #1<\/strong>
\n1% daily for 22 days
\nTotal gross interest.\u00a0\u00a0 122%
\n$20 – $10,000
\nDeposit returned at end of period<\/p>\n

Next, let\u2019s take a look at Plan #2.\u00a0 Here\u2019s the information on that plan from the website:<\/p>\n

Plan #2<\/strong>
\nTotal gross Interest.\u00a0 137.5%
\n25 days
\nDaily accruals
\n$70 – $50,000
\nDeposit included<\/p>\n

Like with Plan #1, you obtain the total net interest by subtracting 100% from the total gross interest of 137.5%.\u00a0 This gives you 37.5%.\u00a0 Dividing this by the 25-day length of the investment plan, you get a daily net interest or DNI of 1.5%.\u00a0 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.\u00a0 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.\u00a0 So, for this case, the daily gross interest comes out to 5.50% (137.5\/25).\u00a0 With all this in mind, the more conventional way of describing this investment plan would be:<\/p>\n

Plan #2
\n5.5% daily for 25 days
\nTotal gross interest.\u00a0 137.5%
\n$70 – $50,000
\nDeposit included<\/p>\n

Plans #3, #4, and #5 all return your deposit as part of your earnings.\u00a0 So, we could easily do the same arithmetic as the above for all these plans and get the following results:<\/p>\n

Plan #3
\n5.33% daily for 30 days
\nTotal gross interest.\u00a0 160%
\n$150 – $100,000
\nDeposit included<\/p>\n

Plan #4
\n5.36% daily for 35 days
\nTotal gross interest.\u00a0 187.5%
\n$1,000 – $100,000
\nDeposit included<\/p>\n

Plan #5
\n5.22% daily for 45 days
\nTotal gross interest.\u00a0 235%
\n$5,000 – $100,000
\nDeposit included<\/p>\n

Here is a separate table of the values of DNI that we determined for the five investment plans:<\/p>\n