{"id":4356,"date":"2018-07-01T05:41:51","date_gmt":"2018-07-01T05:41:51","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=4356"},"modified":"2018-07-10T10:55:00","modified_gmt":"2018-07-10T10:55:00","slug":"rahman-and-young-review-part-1","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=4356","title":{"rendered":"Rahman and Young – Review Part 1"},"content":{"rendered":"

This program moved to CLOSED! Do not invest there!<\/strong><\/p>\n

The Rahman and Young Investment Plans.<\/strong><\/p>\n

In our recent \u201cFirst Thoughts<\/a>\u201d article about the Rahman and Young<\/a> investment program, we summarized the company\u2019s investment plans in the following way and also set the stage for the work we would have to do when analyzing the plans — which is what we\u2019ll get to shortly.<\/p>\n

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

Rahman and Young<\/a>\u00a0offer five different investment plans.\u00a0 As your investment amount increases, so too do the interest earnings that you receive.\u00a0 However, at first glance, it looks like only the lowest interest plan has a minimum investment level that will be affordable by all online HYIP investors.\u00a0 With a minimum investment of $2,500, even the second investment plan in the group will be out of reach for most investors.\u00a0 There is an even greater problem with the minimum investment for the remaining three investment plans.<\/p>\n

The investment plans only pay interest on \u201ctrading days.\u201d\u00a0 This pretty much means the normal five-day work week.\u00a0 However, apparently there are a number of banking holidays in the UK when interest also will not be paid.\u00a0 To keep things simple, we will not try to factor that into the equation.\u00a0 All of the five investment plans run for 80 working days.\u00a0 This is probably getting close to four months.\u00a0 So, these would probably be considered to be long-term investment plans by HYIP standards.<\/p>\n

The daily interest that you receive depends on the plan that you choose and can vary from 1.9% all the way up to 2.5%.\u00a0 However, please remember our earlier statement that probably only the first investment plan paying 1.9% will be used by most investors.\u00a0 The interest is \u201cgross\u201d interest meaning that it includes your investment.<\/p>\n

We will get into the details of how these investment plans work when we review the program a day or two from now.\u00a0 This review will be a little more complicated than usual because the program is based on business days rather than calendar days.\u00a0 Please stand by.<\/p><\/blockquote>\n

The website presentation of the five investment plans is very complete.\u00a0 In fact, more information is given than is really necessary.\u00a0 Following is a summary of the essential data for each of the plans:<\/p>\n

Malmo
\n1.9%\/business day
\n$20 – $2,499<\/p>\n

Gothenburg
\n2.0%\/business day
\n$2,500 – $9,999<\/p>\n

Oslo
\n2.2%\/business day
\n$10,000 – $19,999<\/p>\n

Copenhagen
\n2.3%\/business day
\n$20,000 – $39,999<\/p>\n

Stockholm Review2.5%\/business day
\n$40,000 – $80,000<\/p>\n

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

Now that we have all the information in front of us, we can get to work\u2026<\/p>\n

Usually HYIPs pay interest on calendar days.\u00a0 Rahman and Young<\/a> pays it on business days — which, of course, is much more logical as that\u2019s when an investment company earns its own revenue.\u00a0 However, we would like to be able to compare ALL types of investment plans on a common basis.\u00a0 We have found that the best way to do this is to determine the average daily net interest (DNI) that a plan pays over the course of its life time.\u00a0 DNI is based on calendar days.\u00a0 So, the first thing we have to do is to convert the Rahman and Young<\/a> investment plans to calendar days.<\/p>\n

There are roughly 22 business days per 30 calendar day month.\u00a0 The Rahman and Young<\/a> investment plans are all 80 business days long.\u00a0 So, making the conversion, we find that the plans are roughly around 109 calendar days (80 x 1.36) long.\u00a0 As we indicated in our \u201cFirst Thoughts\u201d article, this is getting close to four months long.\u00a0 We used the conversion factor of 1.36 or 30\/22 when converting from business days to calendar days.\u00a0 We\u2019re not going to worry about the fact that once in a while there is a bank holiday or that there are a number of months that are 31 days long (and only one that is 28 or 29 days long).\u00a0 That\u2019s the \u201csmall stuff.\u201d\u00a0 We\u2019re interested in the big picture.<\/p>\n

OK, back to DNI.\u00a0 Thinking about the Malmo investment plan that pays 1.9% gross interest per business day, the total gross interest that you would earn for 80 business days would be 152% (1.9 x 80).\u00a0 Since this includes your investment, you have to subtract 100% to get your total net interest which will be 52%.\u00a0 Finally, dividing this by the 109 CALENDAR DAYS in the plan, we get a DNI of 0.48%.\u00a0 If you do the same calculation for the remaining four plans, you will get the following results:<\/p>\n

Malmo.\u00a0 DNI = 0.48%
\nGothenburg.\u00a0\u00a0 DNI = 0.55%
\nOslo.\u00a0\u00a0 DNI = 0.70%
\nCopenhagen.\u00a0 DNI = 0.77%
\nStockholm.\u00a0 DNI = 0.92%<\/p>\n

There is another important piece of information we should find out about each of the investment plans.\u00a0 This is how many days it will take the plan to break even.\u00a0 Again, let\u2019s start with the Malmo plan that pays a gross return of 1.9% per business day.\u00a0 It\u2019s simple to determine when an investment plan breaks even. You just divide 100% by the gross daily interest.\u00a0 For our Malmo plan this gives us 52.6 business days (100\/1.9).\u00a0 Multiplying this by our 1.36 conversion factor, we find that this is equivalent to around 72 calendar days — somewhat over two months.\u00a0 We can do the same arithmetic to determine how long it will take the other four plans to break even.\u00a0 Here\u2019s the result:<\/p>\n

Malmo.\u00a0 Break even = 72 calendar days
\nGothenburg.\u00a0\u00a0 Break even = 68 calendar days
\nOslo.\u00a0\u00a0 Break even = 62 calendar days
\nCopenhagen.\u00a0 Break even = 59 calendar days
\nStockholm.\u00a0 Break even = 55 calendar days<\/p>\n

OK, now that we\u2019ve removed the \u201ccamouflage\u201d from the essential features of these investment plans, it will be simple to discuss their profitability as well as the probable risk involved in investing with them.\u00a0 There are other factors that make an investment plan attractive or unattractive and we\u2019ll try to discuss all of them in Part 2<\/a> of this Review which will follow in the next day or two.<\/p>\n

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

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This program moved to CLOSED! Do not invest there! The Rahman and Young Investment Plans. In our recent \u201cFirst Thoughts\u201d article about the Rahman and Young investment program, we summarized the company\u2019s investment plans in … Rahman and Young – Review Part 1<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":4319,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[1447,1449,1455,1451,1452,1454,1450,1453,1456,1457,1448],"class_list":["post-4356","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-httpsrahmanyoung-comrefemilynews","tag-rahman-and-young","tag-rahman-and-young-info","tag-rahman-and-young-investment-plan","tag-rahman-and-young-investment-program","tag-rahman-and-young-news","tag-rahman-and-young-review","tag-rahman-and-young-scam-or-paying","tag-rahman-and-young-update","tag-rahman-and-young-updates","tag-rahmanyoung-com","exalt-entry"],"yoast_head":"\nRahman and Young - Review Part 1 - 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=4356\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rahman and Young - Review Part 1 - EmilyNews\" \/>\n<meta property=\"og:description\" content=\"This program moved to CLOSED! 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