{"id":3525,"date":"2018-03-09T05:02:44","date_gmt":"2018-03-09T05:02:44","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=3525"},"modified":"2018-03-13T04:03:29","modified_gmt":"2018-03-13T04:03:29","slug":"kryptolect-review","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=3525","title":{"rendered":"Kryptolect – Review"},"content":{"rendered":"

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

The Kryptolect Investment Plans.<\/strong><\/p>\n

A few days ago, in our \u201cFirst Thoughts<\/a>\u201d article about Kryptolect<\/a>, we commented on the information given in the website about the company\u2019s operations and also made a few preliminary observations about its investment plans.\u00a0 In the way of an introduction, I will repeat what I said about the investment plans here:<\/p>\n

Turning to the dollars and cents of this, Kryptolect<\/a> offers two investment plans.\u00a0 One of them pays earnings on an hourly basis while the other pay earnings daily.\u00a0 Both return your deposit as part of your earnings.\u00a0 The minimum investments required by the plans are reasonable, such that almost anyone should be able to take advantage of either of them and, at first glance, the interest rates that are promised appear to be high enough to be attractive to the investor while not being so high that they will be impossible for the company to sustain in the long term.<\/p>\n

In our review of Kryptolect<\/a>, which will available in a few days, we will take a closer look at these investment plans and try to determine exactly how profitable — and sustainable — they are.\u00a0 Please stand by.<\/p><\/blockquote>\n

In the way of additional information, here\u2019s the information on the investment plans as given in the Kryptolect<\/a> website:<\/p>\n

Daily Plan<\/strong>
\n4% daily for 40 days
\nTotal gross interest = 160%
\n$25 minimum deposit<\/p>\n

Hourly Plan<\/strong>
\n0.40% hourly for 325 hours
\nTotal gross interest = 130%
\n$250 minimum deposit<\/p>\n

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

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

In the way of a quick note, it really isn\u2019t necessary for the website to give you the total gross interest because you can quickly calculate it yourself.\u00a0 In the Daily Plan, you simply multiply the daily interest of 4% by the 40-day length of the plan to get the 160%.\u00a0 In the Hourly Plan you multiply 0.4 by 325 to get the 130%.\u00a0 Of more interest to the investor is the NET interest or profit paid by each of the plans.\u00a0 You subtract 100% from the gross interest (since it includes your deposit) to get the net.\u00a0 So, for the Daily Plan, your total net interest is 60% and, for the Hourly Plan, your total net interest is 30%.<\/p>\n

But, as we know, this can be misleading too.\u00a0 Is the Daily Plan really more profitable?\u00a0 Well, the length of an investment plan is just as important as the amount of interest that is paid.\u00a0 The DAILY NET INTEREST, or DNI, is what we need to determine since it includes both factors.\u00a0 DNI is simply the total net interest averaged out over the length of the investment plan.\u00a0 For the Daily Plan, we just divide the 60% total net interest by the 40-day length of the plan to get a DNI of 1.5%.\u00a0 For the Hourly Plan, it’s a little bit trickier to determine DNI as everything is given in hours and DNI refers to days.\u00a0 But, no problem.\u00a0 We simply divide the 325-hour length of the plan by 24 hours\/day to determine how many days long it is.\u00a0 Doing the arithmetic, we find that the plan is around 13.54 days long.\u00a0 Now we can get the DNI for the Hourly Plan by dividing the total net interest of 30% by the 13.54-day length of the plan.\u00a0 The result is a DNI of around 2.22%.<\/p>\n

It is also useful to see how long it takes each of these investment plans to break even.\u00a0 You determine this by simply dividing 100% by the percent interest paid.\u00a0 For the Daily Plan, you get around 25 days (100\/4).\u00a0 For the Hourly Plan, you get around 250 hours (100\/.4).\u00a0 In summary form:<\/p>\n

DNI<\/p>\n

Daily Plan.\u00a0 1.50%
\nHourly Plan.\u00a0 2.22%<\/p>\n

Days\/Hours to Break Even<\/p>\n

Daily Plan.\u00a0 25 days
\nHourly Plan.\u00a0 250 hours<\/p>\n

Discussion.\u00a0<\/strong><\/p>\n

Well, looking at the values for DNI, it should be clear that the most profitable investment plan is the Hourly Plan because your net profit per day is higher.\u00a0 That\u2019s where it\u2019s all at — as the saying goes.\u00a0 It doesn\u2019t matter that the total gross interest for the Daily Plan is higher.<\/p>\n

Looking at the breakeven points, for the Daily Plan, you break even after 25 days.\u00a0 This means that during the last 15 days of the plan you are making \u201cpure\u201d profit.\u00a0 With the Hourly Plan you break even after 250 hours.\u00a0 This means that during the last 75 hours of the plan (around 3 days out of a total of 13.54 days) you are making \u201cpure\u201d profit.<\/p>\n

The minimum investment of the less profitable Daily Plan is very low, only $25, while the Hourly Plan has a minimum of $250.\u00a0 Note that there no maximums are given.\u00a0 So, if you really like one plan more than the other, you can invest as much as you would like in it.\u00a0 The minimum of $250 for the Hourly Plan should be doable for most serious online investors and, especially since the plan is much shorter term, it is likely to be attractive to all but investors who have a serious limitation on their working funds.<\/p>\n

We always refer to HYIP Insights #12<\/em><\/a> where we made suggestions of values for DNI that might indicate whether a program is a good candidate for long-term survival or not.\u00a0 Specifically, we indicated that programs with investment plans having DNIs higher than 2% might be in question.\u00a0 Well, one of the Kryptolect<\/a> plans has a DNI of 1.5% while the other has a DNI of 2.2%.\u00a0 Although these values might be a tad on the high side, they certainly are not obscenely so.\u00a0 I would say that, if the folks administering this program put their minds to it, there is a good possibility that, in spite of these values for DNI being \u201cborderline,\u201d the program could turn out to be a long-term survivor.<\/p>\n

OK, as an example, let\u2019s put a dollar value on all this and see how the programs compare.\u00a0 Since the programs have no maximum investment limit, let\u2019s assume that we invest $500 in each of them.\u00a0 Furthermore, observing that if you multiply the length of the Hourly Plan, 13.54 days, by three, you come out to almost exactly 40 days, the length of the Daily Plan, let\u2019s assume that we will keep our investment in the Hourly Plan for THREE cycles.\u00a0 This will make the investment periods identical.\u00a0 For the Daily Plan, the total net interest in the 40 day period is 60%.\u00a0 For a $500 deposit this comes to a profit of $300 (.6 x 500).\u00a0 For the Hourly Plan, the total net interest in the 13.54 – day period is 30%.\u00a0 For our $500 deposit, this comes to $150 (.3 x 500).\u00a0 But, to make the length of the Hourly Plan equal to the length of the Daily Plan, we will invest our $500 in this plan two more times to get a total of three times this or $450.\u00a0 Clearly, the Hourly Plan is the winner.<\/p>\n

Just to mess around with the numbers a little bit, you could have gotten these same results by using the DNIs for the two plans.\u00a0 For the 40-day plan, you make a daily net interest (DNI) of 1.5%.\u00a0 Multiplying your deposit of $500 by this you get a daily net profit of $7.50 (.015 x 500).\u00a0 Multiplying this by the 40 days, you get $300 (7.5 x 40) which checks with our previous result.\u00a0 The calculation for the Hourly Plan will work exactly the same way.\u00a0 Multiplying $500 by the DNI of 2.22%, you get a daily net profit of $11.10 (.022 x 500).\u00a0 Multiplying this by 40 days, you get a total profit of $444.\u00a0 Considering that there was some rounding of when determining the 2.22% DNI, this agrees perfectly with our previous result of $450.\u00a0 So, there are a number of different ways to do things.<\/p>\n

For the very adventuresome investor, there is even another option.\u00a0 Sticking with using the Hourly Plan, suppose that, instead of just reinvesting your $500, you reinvest the $500 PLUS your earnings after every 13.54 – day cycle.\u00a0 It would work like this:<\/p>\n

After cycle #1, $500 becomes $650.
\nAfter cycle #2, $650 becomes $845
\nAfter cycle #3, $845 becomes $1,098.50.\u00a0 Call it $1,100<\/p>\n

So, by using the Hourly Plan and compounding your earnings for three cycles to get a 40-day total investment period, you wind up with a profit of $600 (1,100 \u2013 500).\u00a0 Just using the Daily Plan for the 40-day period, your profit is only $300 — half as much.\u00a0 This is the beauty of compounding.\u00a0 However, compounding is a VERY risky business.\u00a0 We discussed the pros and cons of compounding in great detail in HYIP Insights #11<\/em><\/a>.<\/p>\n

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

Conclusions.<\/strong><\/p>\n

The Kryptolect<\/a> investment program offers two investment plans.\u00a0 Both return your deposit as part of your earnings.\u00a0 One plan pays interest on a daily basis and runs for 40 days.\u00a0 The other pays interest on an hourly basis and runs for around 13.54 days (one third of 40 days).\u00a0 The interest paid by the Hourly Plan is slightly on the high side which may be compensated for by the fact that the interest paid by the Hourly Plan is reasonable.\u00a0 Survivability of the overall program is the most important consideration.\u00a0 The minimum investments of both plans are reasonable with the higher of the two, for the Hourly Plan, only being $250.\u00a0 The Hourly Plan is the more profitable of the two plans.\u00a0 The bottom line is probably that, if an investor can afford the $250 minimum investment, the Hourly Plan is the better choice.<\/p>\n

I hope that this information is helpful.<\/p>\n

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If one of the paying programs on our Monitor appeals to you, please support EmilyNews<\/em> by registering for it on our website. Thanks very very much!<\/p>\n

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This program has STOPPED paying! Do not invest there! The Kryptolect Investment Plans. A few days ago, in our \u201cFirst Thoughts\u201d article about Kryptolect, we commented on the information given in the website about the … Kryptolect – Review<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":3521,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[1084,1073,1079,1077,1078,1080,1093,1083,1081,1082,1085],"class_list":["post-3525","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-httpskryptolect-comrefemilynews","tag-kryptolect","tag-kryptolect-info","tag-kryptolect-investment-plan","tag-kryptolect-investment-program","tag-kryptolect-news","tag-kryptolect-review","tag-kryptolect-scam-or-paying","tag-kryptolect-update","tag-kryptolect-updates","tag-kryptolect-com","exalt-entry"],"yoast_head":"\nKryptolect - 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=3525\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kryptolect - Review | FAIR and FAST HYIP News | EmilyNews | EN | FAIR and FAST HYIP News | EmilyNews | EN\" \/>\n<meta property=\"og:description\" content=\"This program has STOPPED paying! 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