{"id":5132,"date":"2018-10-28T05:13:36","date_gmt":"2018-10-28T05:13:36","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=5132"},"modified":"2019-06-02T19:48:33","modified_gmt":"2019-06-02T19:48:33","slug":"zonders-review-part-1","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=5132","title":{"rendered":"Zonders – Review Part 1"},"content":{"rendered":"

This program moved to CLOSED! Be careful!<\/strong><\/p>\n

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

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

Zonders<\/a>\u00a0offers five investment plans.\u00a0 They all return your investment at the conclusion of the plan.\u00a0 Two of them hold your earnings until the end of the plan while three of them pay your earnings on a daily basis.\u00a0 A nice thing about the\u00a0Zonders<\/a>\u00a0investment plans is that they are all affordable \u2014 at least to the serious online investor.\u00a0 The highest minimum investment requirement is only $550.\u00a0 Compare this to many other HYIPs that might require $5,000, $10,000, or even more for some of their investment plans.\u00a0 A quick calculation tells me that the plans are fairly lucrative, but, generally speaking, not to the point where excessively high earnings might jeopardize the chances of the program being a long-term survivor.\u00a0 An exception might be the plan offering the highest interest return; this one could be problematic.\u00a0 There is a lot more to say about the Zonders<\/a> \u00a0investment plans and we will get into that in great detail when we review the program.\u00a0 Our review should be ready in a few days.\u00a0 Please stand by\u2026<\/p><\/blockquote>\n

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

Here is the complete information on the five plans as it appears in the Zonders<\/a> website:<\/p>\n

106% for 4 working days
\n$15 – $500
\nInterest paid at end of plan<\/p>\n

122% for 12 working days
\n$35 – $2,500
\nInterest paid daily<\/p>\n

156% for 24 working days
\n$350 – $2,500
\nInterest paid daily<\/p>\n

170% for 30 working days
\n$550 – $75,000
\nInterest paid daily<\/p>\n

350% for 45 working days
\n$150 – $150,000
\nInterest paid at end of plan<\/p>\n

Something I forgot to mention at in the First Thoughts article is that the Zonders<\/a> \u00a0investment plans only generate interest on working days — rather than on calendar days.\u00a0 This must be kept in mind when we analyze these investment plans — which is what we will do next.<\/p>\n

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

OK, first of all, since all the Zonders<\/a> investment plans return your investment when they end, your earnings are pure profit.\u00a0 Of course, this assumes that the program survives long enough for you to get your investment back.\u00a0 But, as usual, we\u2019ll make this assumption.\u00a0 That means that your daily earnings would be what we refer to as DNI or daily net interest.\u00a0 However, when talking about DNI, we always refer to calendar days rather than to working days.\u00a0 Since Zonders<\/a> pays earnings on working days, we have to convert them to calendar days if we are to be able to compare earnings of this program to what you might earn from others.<\/p>\n

There is still another detail that we first have to resolve.\u00a0 Zonders<\/a> doesn\u2019t give us the interest that it pays PER working day, it gives us the TOTAL interest it pays over the length of each plan.\u00a0 So, we first have to determine the interest per working day for each plan and then we have to convert this to interest per calendar day.\u00a0 You can see that this gets a little bit complicated.\u00a0 However, this is really what the wise investor should do in order to be able to truly analyze or understand a program\u2019s investment plan offerings.\u00a0 Sometimes, as is true in this case, there is a lot of camouflage that has to be removed.<\/p>\n

Let\u2019s start with the 106% plan.\u00a0 This plan runs for 4 working days.\u00a0 The name of the plan tells you that you earn 6% total net profit over the course of the plan.\u00a0 To get the profit that you earn per working day, you take the 6% and divide it by the 4 working day length of the plan to get 1.50% net profit per working day.\u00a0 But, we’re interested in earnings per calendar day.\u00a0 Since there are roughly 22 working days in a 30 day, we can convert working days to calendar days by multiplying the number of working days by 30\/22 (or 1.36).\u00a0 So, 4 working days equals roughly 5.44 calendar days.\u00a0 We\u2019ll round this up to 6 calendar days because you are paid interest on the basis of full days, not fractions of them.\u00a0 You might quickly point out that this calculation is wrong if, say, you make a deposit into this program on a Monday.\u00a0 Of course, 4 working days after that is the same as 4 calendar days.\u00a0 However, if you make a deposit on a Thursday, 4 working days will include a weekend.\u00a0 So, your deposit will mature 6 calendar days later.\u00a0 This little calculation is an effort to account for this.\u00a0 It might not always be exactly right.\u00a0 However, it will be close enough for what we\u2019re doing here.\u00a0 OK, all this said and done, we now know that the 6% total profit for this plan will be earned in 5.44 calendar days.\u00a0 This means that the average daily net interest (DNI) that this plan pays is 1.10% per calendar day — or just 1.10% (6%\/5.44 days).<\/p>\n

If you do all this for the other four plans, you get the following very important results:<\/p>\n

Plan\u00a0\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Total Profit \u00a0\u00a0\u00a0\u00a0 Calendar Days DNI<\/p>\n

106% for 4 working days\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 6%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 5.44 = 6\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.10%
\n122% for 12 working days\u00a0\u00a0\u00a0\u00a0\u00a0 22%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 16.32 = 17\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.35%
\n156% for 24 working days\u00a0\u00a0\u00a0\u00a0\u00a0 56%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 32.64 = 33\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.72%
\n170% for 30 working days\u00a0\u00a0\u00a0\u00a0\u00a0 70%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 40.80 = 41\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.72%
\n350% for 45 working days\u00a0\u00a0\u00a0\u00a0\u00a0 250%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 61.20 = 62\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 4.08%<\/p>\n

Well, DNI is one of two important quantities we always determine when analyzing a program\u2019s investment plans.\u00a0 The next is the number of days it takes for a plan to break even.\u00a0 This is easy to determine since all you have to do is divide 100% (meaning when you get 100% of your money back) by the percent earnings you receive on a daily basis.\u00a0 We\u2019ll continue to think in terms of calendar days here and use the DNI as the daily earnings (remembering that it isn\u2019t a precise number).\u00a0 For the 4 day plan, if you divide 100% by the DNI of 1.10%, you come up with around 91 calendar days to break even.\u00a0 Since this is a LOT more than the 6 calendar day length of the plan, you obviously won\u2019t break even until the plan ends.\u00a0 For the 122% plan, dividing 100% by 1.35%, you get that the plan won\u2019t break for around 74 calendar days — which, again, is a lot more than the 17 calendar day length of the plan. \u00a0So, again, you will beak even when the plan ends.\u00a0 If you do this same arithmetic for the 156% and 170% plans, you will find that they, too, won\u2019t break even until the plans end.\u00a0 This same arithmetic also shows you that the 350% plan would be the only one that would break even before the end of the plan.\u00a0 However, that plan along with the 106% plan, stipulate that you will not receive ANY earnings until the plans end.\u00a0 So, to sum it all up, NONE of the Zonders<\/a> plans will break even until they end.<\/p>\n

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

That was a lot of work and I hope that it made sense to you!\u00a0 There is a lot to be said about all these numbers and that\u2019s what we\u2019ll do in Part 2<\/a> of this review of the Zonders<\/a> program.\u00a0 We hope to publish it within the next few days.\u00a0 Please stand by.<\/p>\n

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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 CLOSED! Be careful! The Zonders Investment Plans. In our \u201cFirst Thoughts\u201d article about Zonders, we introduced their five investment plans in the following way: Zonders\u00a0offers five investment plans.\u00a0 They all return … Zonders – Review Part 1<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":5117,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[1773,1761,1769,1766,1767,1768,1777,1772,1770,1771,1774,1778],"class_list":["post-5132","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-httpszonders-prorefemilynews","tag-zonders","tag-zonders-info","tag-zonders-investment-plan","tag-zonders-investment-program","tag-zonders-news","tag-zonders-review","tag-zonders-scam-or-paying","tag-zonders-update","tag-zonders-updates","tag-zonders-pro","tag-zonders-pro-review","exalt-entry"],"yoast_head":"\nZonders - 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=5132\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Zonders - Review Part 1 - EmilyNews\" \/>\n<meta property=\"og:description\" content=\"This program moved to CLOSED! Be careful! The Zonders Investment Plans. In our \u201cFirst Thoughts\u201d article about Zonders, we introduced their five investment plans in the following way: Zonders\u00a0offers five investment plans.\u00a0 They all return … Zonders – Review Part 1Read more\" \/>\n<meta property=\"og:url\" content=\"https:\/\/emilynews.com\/blog\/?p=5132\" \/>\n<meta property=\"og:site_name\" content=\"EmilyNews\" \/>\n<meta property=\"article:published_time\" content=\"2018-10-28T05:13:36+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-06-02T19:48:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2018\/10\/zon.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"200\" \/>\n\t<meta property=\"og:image:height\" content=\"200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Emilynews\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2018\/10\/zon.jpg\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emilynews\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/emilynews.com\/blog\/?p=5132\",\"url\":\"https:\/\/emilynews.com\/blog\/?p=5132\",\"name\":\"Zonders - Review Part 1 - EmilyNews\",\"isPartOf\":{\"@id\":\"https:\/\/emilynews.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/emilynews.com\/blog\/?p=5132#primaryimage\"},\"image\":{\"@id\":\"https:\/\/emilynews.com\/blog\/?p=5132#primaryimage\"},\"thumbnailUrl\":\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2018\/10\/zon.jpg\",\"datePublished\":\"2018-10-28T05:13:36+00:00\",\"dateModified\":\"2019-06-02T19:48:33+00:00\",\"author\":{\"@id\":\"https:\/\/emilynews.com\/blog\/#\/schema\/person\/d198218498e05856be72796eea940a33\"},\"breadcrumb\":{\"@id\":\"https:\/\/emilynews.com\/blog\/?p=5132#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/emilynews.com\/blog\/?p=5132\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/emilynews.com\/blog\/?p=5132#primaryimage\",\"url\":\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2018\/10\/zon.jpg\",\"contentUrl\":\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2018\/10\/zon.jpg\",\"width\":200,\"height\":200},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/emilynews.com\/blog\/?p=5132#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/emilynews.com\/blog\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Zonders – Review Part 1\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/emilynews.com\/blog\/#website\",\"url\":\"https:\/\/emilynews.com\/blog\/\",\"name\":\"EmilyNews\",\"description\":\"EmilyNews Blog\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/emilynews.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/emilynews.com\/blog\/#\/schema\/person\/d198218498e05856be72796eea940a33\",\"name\":\"Emilynews\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/emilynews.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/080b41979dac9ab029c0867a1655bdaf?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/080b41979dac9ab029c0867a1655bdaf?s=96&d=mm&r=g\",\"caption\":\"Emilynews\"},\"url\":\"https:\/\/emilynews.com\/blog\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Zonders - Review Part 1 - EmilyNews","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/emilynews.com\/blog\/?p=5132","og_locale":"en_US","og_type":"article","og_title":"Zonders - Review Part 1 - EmilyNews","og_description":"This program moved to CLOSED! 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