{"id":4818,"date":"2018-09-16T05:05:31","date_gmt":"2018-09-16T05:05:31","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=4818"},"modified":"2018-12-01T13:02:50","modified_gmt":"2018-12-01T13:02:50","slug":"coinfinance-review","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=4818","title":{"rendered":"CoinFinance – Review"},"content":{"rendered":"

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

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

In our recent \u201cFirst Thoughts\u201d article about CoinFinance<\/a>, we summarized their investment plans in the following way:<\/p>\n

CoinFinance<\/a> offers five investment plans.\u00a0 All of them are 70 business days long (around 96 calendar days) and all return your principal at the end of the investment period.\u00a0 So, depending on your point of view, these might be classed as medium to long-term investment plans.\u00a0 Daily returns (on business days) range from 3.5% all the way up to 5%.\u00a0 However, the minimum investments required for higher interest plans are so high that they will be way beyond the reach of the typical online investor.\u00a0 However, with a minimum investment of only $10 for the lowest interest plan, all interested investors will be able to invest with the CoinFinance <\/a>program.\u00a0 The CoinFinance<\/a> investment plans are very easy to understand.\u00a0 However, there are a still few details that should be looked at closely.\u00a0 We will do this and also try to explain the pros and cons of the program when we review it sometime in the next few days.\u00a0 Please stand by\u2026<\/p><\/blockquote>\n

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

Here is the full information on the CoinFinance<\/a> investment plans as it appears on their website:<\/p>\n

3% per day
\n$10 – $999<\/p>\n

3.5% per day
\n$1,000 – $9,999<\/p>\n

4% per day
\n$10,000 – $49,000<\/p>\n

4.5% per day
\n$50,000 – $99,999<\/p>\n

5% per day
\n$100,000 – $1,000,000<\/p>\n

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

When we analyze investment plans, unless they have very unusual features, we determine two items: break even point and daily net interest.\u00a0 The Coinfinance<\/a> investment plans are very easy to understand.\u00a0 So, that\u2019s what we\u2019ll do here.<\/p>\n

First, let\u2019s talk about break even points.\u00a0 To determine when an investment plan breaks even, you divide 100% by the daily percent that you receive in earnings.\u00a0 For the 3% plan, this comes to around 34 business days (100\/3).\u00a0 Since there are 22 business days in a 30 calendar day month, we multiply this result by 30\/22 to get the number of calendar days.\u00a0 The result is around 46 calendar days.\u00a0 Remember that this result might be off a day or two as the conversion is not always accurate and there are \u201cround-off\u201d errors in our calculation.\u00a0 However, it is more than good enough for our purposes here.\u00a0 Doing the same arithmetic for the other four plans, we get the following results:<\/p>\n

Plan\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Calendar days to break even
\n3%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 46
\n3.5%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 39
\n4%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 34
\n4.5%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 31
\n5%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 28<\/p>\n

Next, let\u2019s talk about daily net interest (DNI).\u00a0 This is the total net interest paid out by an investment plan averaged out over the number of CALENDAR DAYS in the plan.\u00a0 Since all the plans return your investment at the end of the plan, the interest that you earn will be profit or net interest.\u00a0 This, of course, assumes that the program survives until the end of the investment plan.\u00a0 To keep things simple, let\u2019s make that assumption (this is the assumption we always make in analyzing investment plans of this type in our reviews).\u00a0 So, for the 3% plan which is 70 business days long, you will receive a total net interest of 210% over the course of the plan (3 x 70).\u00a0 In our First Thoughts article, we pointed out that 70 business days is roughly equivalent to 96 calendar days (70 x 30\/22).\u00a0 So, dividing 210% by 96 days, we get a daily net interest (DNI) of 2.19%.\u00a0 Doing the same calculation for the other four plans, we get the following:<\/p>\n

Plan\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 DNI
\n3%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 2.19%
\n3.5%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 2.55%
\n4%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 2.92%
\n4.5%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 3.28%
\n5%\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 3.65%<\/p>\n

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

First, let\u2019s take a look at the minimum investment requirements for the five investment plans.\u00a0 The 3% plan has a minimum of $10 and a maximum of $999.\u00a0 So, the vast majority of online investors will use this plan.\u00a0 The 3.5% plan has a minimum investment of $1,000 and a maximum of $9,999.\u00a0 I suspect that a number of very serious investors might invest $1,000 or slightly more to take advantage of the higher interest rate.\u00a0 But, they will probably be few and far between.\u00a0 The 4% plan has a minimum investment of $10,000.\u00a0 I doubt if any investors will risk this much of their hard-earned cash on an online investment program.\u00a0 In fact, we at EmilyNews<\/em> always recommend that investors do NOT invest large amounts of money in ANY online investment plan unless the company can provide verifiable evidence of both its existence and the earnings it has paid out in the past.\u00a0 The minimum investments for both the 4.5% and 5% plans are way off the chart.\u00a0 So, all this considered, in what follows, I will only be talking about the 3% and 3.5% investment plans.\u00a0 You should keep in mind the important fact that the 3.5% plan will probably not be used very much.<\/p>\n

The 3% and 3.5% investment plans take 46 and 39 calendar days to break even.\u00a0 This is OK, I suppose, as many online HYIPs will survive for this long (you should always keep survivability in the back of your mind!).\u00a0 In addition, since you are receiving interest on a daily basis, the amount of your investment that is at risk decreases daily.<\/p>\n

The 3% and 3.5% plans have DNIs of 2.19% and 2.55% respectively.\u00a0 These are certainly very profitable investment plans.\u00a0 If you multiply each of these figures by seven, you get weekly profits of 15.33% and 17.85% respectively.\u00a0 Almost any online investor would be more than happy with that.\u00a0 However, the flip side of the coin, when it comes to highly profitable programs, is the increased risk that usually comes with it.\u00a0 In HYIP Insights #12<\/em><\/a>, we suggested that programs offering investment plans with DNIs greater than 2% might be at risk from the point of view of long-term survivability.\u00a0 With a DNI of 2.19%, the 3% plan is slightly above this.\u00a0 The 3.5% plan has a DNI of 2.55% which is significantly above it.\u00a0 However, here is where the program might be saved as probably only a few investors will use the 3.5% plan.\u00a0 So, the company will have a much smaller obligation to its clients in the way of paying interest earnings.\u00a0 It is also important to remember that the 2% DNI cut-off point is only our OPINION of where high-risk programs begin to kick in.\u00a0 It could be more; it could be less\u2026<\/p>\n

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

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

CoinFinance<\/a> offers five investment plans.\u00a0 The three highest interest plans are probably unusable because of the high minimum investment requirements.\u00a0 A fourth plan is borderline as the minimum investment is still quite high.\u00a0 Only the lowest interest program will probably be popular with online investors.\u00a0 In spite of the fact that it is the lowest interest plan that CoinFinance <\/a>offers, it is still highly profitable.\u00a0 This high profitability carries the inherent risk that the program might be offering returns that are unsustainable.\u00a0 However, the returns are by no means \u201cout of sight.\u201d\u00a0 With wise management practices, the administrators of CoinFinance<\/a> might be able to keep the program running for a long time to come.<\/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

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Be the first to get most important HYIP news everyday!
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If you like this article, please share it by using the social media buttons below.<\/p>\n","protected":false},"excerpt":{"rendered":"

This program moved to PROBLEM! Do not invest there! The CoinFinance Investment Plans. In our recent \u201cFirst Thoughts\u201d article about CoinFinance, we summarized their investment plans in the following way: CoinFinance offers five investment plans.\u00a0 … CoinFinance – Review<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":4812,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[1682,1690,1684,1683,1689,1694,1693,1691,1692,1681,1680],"class_list":["post-4818","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-coinfinance","tag-coinfinance-info","tag-coinfinance-investment-plan","tag-coinfinance-investment-program","tag-coinfinance-news","tag-coinfinance-review","tag-coinfinance-scam-or-paying","tag-coinfinance-update","tag-coinfinance-updates","tag-coinfinance-me","tag-httpscoinfinance-merefemilynews","exalt-entry"],"yoast_head":"\nCoinFinance - 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=4818\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CoinFinance - Review - EmilyNews\" \/>\n<meta property=\"og:description\" content=\"This program moved to PROBLEM! Do not invest there! The CoinFinance Investment Plans. 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