In our \u201cFirst Thoughts<\/a>\u201d article about Archwood Timber<\/a> yesterday, we emphasized that an attractive feature of the program is its simplicity.\u00a0 Here\u2019s what we said about their investment plan:<\/p>\n The simplicity of the\u00a0Archwood Timber<\/a>\u00a0program really becomes apparent when you look at its SINGLE investment plan.\u00a0 That\u2019s right; there is only one investment plan and you can invest in it for a minimum of $30.\u00a0 The plan pays 10% interest for 13 days and your deposit is included in your interest returns.\u00a0 This program will be simple to analyze and we will get to that in a day or two when we review the program.\u00a0 Please stand by.<\/p><\/blockquote>\n Analysis of the Archwood Timber Investment Plan.<\/strong><\/p>\n Let\u2019s take a look at the most important thing about the investment plan first — its profitability.\u00a0 We use average DNI (Daily Net Interest) as a measure of this.\u00a0 As the name implies, this is the average profit that an investment plan pays you on a daily basis.\u00a0 We use the \u201caverage\u201d profit — net interest — as there will be times during the course of an investment plan when you are not making any profit at all while at other times you will be making a very high profit.\u00a0 So, the average daily profit that you earn over the entire length of a plan is the important thing.<\/p>\n For the Archwood Timber<\/a>\u00a0investment plan, you earn a daily gross interest of 10% for 13 days.\u00a0 This comes to a total of 130% total gross interest.\u00a0 Subtracting 100% from this because it includes your deposit, your total net interest is 30%.\u00a0 Finally, dividing this by the 13-day length of the program, you get a daily net interest (DNI) of 2.31%.\u00a0 Thinking in terms of profit per week, if you multiply this by 7 days per week, you see that your average net interest (profit) per week is around 16%.\u00a0 This is a LOT.\u00a0 The implication is that, if I invested $100 in the plan, I would earn around $16 profit per week.<\/p>\n Before discussing the investment plan in more depth, let\u2019s quickly determine how long it will take the plan to break even.\u00a0 That\u2019s simple to do.\u00a0 You just divide 100% by the daily gross return of 10% that you receive to find that you will break even in 10 days.\u00a0 And, in one week\u2019s time, you will recover 70% of your investment.<\/p>\n Discussion.<\/strong><\/p>\n OK, we found out that, with a DNI of 2.31%, the investment plan is quite profitable.\u00a0 But, is this interest too high for the company to sustain in the long term?\u00a0 In HYIP Insights #12<\/em><\/a>, we suggested that programs offering investment plans having DNIs higher that 2% might have a reduced chance for long term survival.\u00a0 We emphasize that this is only our opinion, although it is based on observing how long many different HYIPs have survived in the past.\u00a0 This DNI is not \u201cinsanely\u201d high (which happens from time to time in the HYIP business).\u00a0 However, it is high enough such that investors should treat the program cautiously.\u00a0 Hopefully, awareness of this fact will also lead to wise and cautious business practices by the administrators of Archwood Timber<\/a>.<\/p>\n I am always thinking about possible modifications to investment plans and one that quickly came to mind for this one was reducing the length of the plan to 12 days.\u00a0 If you do the same arithmetic as we did for the present 13-day program, you come up with a DNI of 1.67% (further reducing the length of the program to only 11 days would give a DNI of 0.91%).\u00a0 There is no rocket science involved here and I suspect that the folks at Archwood Timber<\/a> thought long and hard about the length of the investment plan they would offer and whether or not they would be able to pay the level of profit (DNI) that each length of plan would require.\u00a0 Let\u2019s hope that they made a well-though-out decision that they can adhere to in the long term as well as when the program is young (and very profitable for them).<\/p>\n In HYIP Insights #21<\/em><\/a>, we presented an article entitled \u201cA Safe Investment Guide.\u201d\u00a0 In that article we tried to nail down some characteristics for an investment plan that might make it a worthwhile place for you to invest your hard-earned money.\u00a0 Interestingly, Archwood Timber<\/a> scores quite well as far as this guide is concerned.\u00a0 For example, we recommended staying away from investment plans that take longer that a month to break even.\u00a0 No problem with that as the Archwood<\/a> Timber plan breaks even in only 10 days.\u00a0 We also recommended that you should only invest in programs that return your investment on a daily basis.\u00a0 Again, no problem.\u00a0 We also recommended that a person only invest in NEW programs, those that have been in existence for less that a week.\u00a0 This is a hard requirement to fill but, Archwood Timber<\/a> is still within this time frame.\u00a0 The only recommendation in the \u201cGuide\u201d that Archwood Timber<\/a> does not fulfill is that the DNI be less than 2%.\u00a0 We\u2019ve probably discussed that enough already.<\/p>\n Conclusions.<\/strong><\/p>\n Archwood Timber<\/a> offers a single easy-to-understand investment plan that it is quite profitable.\u00a0 This profitability also makes the plan somewhat risky.\u00a0 However, the earnings that are promised are not \u201cout of sight\u201d and it IS possible that this program could be with us for a long time to come.\u00a0 Archwood Timber<\/a> will probably be very popular with the investor who is willing to take a risk, but who is also wise enough to stay away from the many programs that offer impossible returns.<\/p>\n *********************************<\/p>\n 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 *********************************<\/p>\n Be the first to get most important HYIP news everyday! If you like this article, please share it by using the social media buttons below.<\/p>\n","protected":false},"excerpt":{"rendered":"![](\"https:\/\/archwood.biz\/template\/\/images\/banners\/full.gif\")
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