{"id":5565,"date":"2018-12-13T03:56:48","date_gmt":"2018-12-13T03:56:48","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=5565"},"modified":"2019-01-11T22:35:37","modified_gmt":"2019-01-11T22:35:37","slug":"luminex-review","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=5565","title":{"rendered":"Luminex – Review"},"content":{"rendered":"

This program moved to PROBLEM! Beware!<\/strong><\/p>\n

The Luminex Investment Plan.<\/strong><\/p>\n

In our \u201cFirst Thoughts\u201d article about Luminex<\/a>, we summarized their\u00a0<\/a>investment plan in the following way:<\/p>\n

For the online investor, Luminex <\/a>offers a single well-thought-out investment plan.\u00a0 It pays 1.5% interest per day for a period of 180 days.\u00a0 For deposits over $1,000, the interest increases to 1.7%.\u00a0 With a minimum investment of only .002 BTC (around $8 right now), the plan is affordable by anyone.\u00a0 There is no limit on the maximum.\u00a0 That\u2019s about all there is to it.\u00a0 In our review of Luminex, which should be ready in a few days, we\u2019ll get into the details of the investment program such as its profitability and risk compared to other online investment programs.\u00a0 However, I don\u2019t anticipate that we will uncover any unpleasant surprises.\u00a0 Please stand by\u2026<\/p><\/blockquote>\n

There really isn\u2019t anything that can be added to this.\u00a0 So, let\u2019s move right along to our analysis of this investment plan.<\/p>\n

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

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

When we analyze an investment plan, we typically determine two quantities: the number of days it takes a plan to break even and the average daily net interest it pays over the life of the plan.\u00a0 Let\u2019s begin by determining the breakeven points.\u00a0 This is very simple to do.\u00a0 You just divide 100% by the daily gross interest that the plan pays you.\u00a0 In the case of Luminex<\/a>, you divide 100% by 1.5% to get that the plan breaks even in around 67 days.\u00a0 If you invest more than $1,000, you will earn 1.7% per day and break even in around 59 days.\u00a0 You might say that, in general terms, these plans take around two months to break even.<\/p>\n

To get the daily net interest (DNI), you first determine the total gross interest which, in the case of the 1.5% version of the plan, would be equal to 1.5 times the 180-day length of the plan.\u00a0 The result is 270%.\u00a0 However, this is gross interest and includes your investment.\u00a0 To determine the total net interest, you must subtract 100% to get 170%.\u00a0 Finally, dividing this by 180, the number of days in the investment plan, you get the average daily net interest (DNI) that the plan pays.\u00a0 The result is around 0.94%.\u00a0 If you do the same arithmetic for the 1.7% version of the investment plan, you will find that the DNI increases to around 1.14%.<\/p>\n

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

OK, the most important thing on the investor\u2019s mind is always to find out how profitable an investment plan is.\u00a0 Then, he takes a look at the flip side of the coin and tries to find out how risky the plan is.\u00a0 It\u2019s common sense that, the more money someone promises you, the riskier the deal probably is.\u00a0 So, the wise investor will try to find a program that strikes a happy medium between profitability and risk.\u00a0 Of course, there are exceptions to this.\u00a0 Specifically, there are some online investors who will take a chance — sometimes a big chance — with the hope of making a lot of money in a little bit of time.\u00a0 I\u2019m not sure this is the most sensible way to go.<\/p>\n

Getting back on the subject, the 1.5% version of the Luminex <\/a>investment plan has a DNI of 0.94%.\u00a0 This gives you an average weekly profit of around 6.5% (7 x .94) over the life of the plan.\u00a0 The 1.7% version of the plan, with a DNI of 1.14%, gives you an average weekly profit of around 8%.\u00a0 In the article we presented in HYIP Insights #23<\/em><\/a> about what we thought were sensible levels of profit, we suggested aiming for between 5% and 10%.\u00a0 So, assuming that our suggestion is a good one, Luminex<\/a> is right on the money.\u00a0 This really goes hand-in-hand with risk; a sensible profit is one that is lucrative but does not entail undue risk.\u00a0 In the article in HYIP Insights #12<\/em><\/a>, we suggested that programs offering investment plans with DNIs less than 1% would be strong candidates for long-term survival.\u00a0 We went on to say that programs offering investment plans with DNIs greater than 2% would be at risk of premature closure.\u00a0 Again, assuming that our suggestions are good ones, Luminex <\/a>is right on the money.<\/p>\n

The Luminex <\/a>investment plans break even in around two months, while the total length of the program is six months.\u00a0 Two months is actually a fairly long period of time in HYIP world.\u00a0 However, if the program survives that long, you have a four-month period following that where you are making \u201cpure\u201d profit.\u00a0 How long will the program survive?\u00a0 You need a crystal ball to answer that question.\u00a0 However, the best we can say, given the sensible returns that the investment plan pays, is that the program has a high POTENTIAL of being a long-term survivor.<\/p>\n

A very important factor to note about the Luminex <\/a>investment plan is that you begin to recover your investment from day one; you receive daily earnings.\u00a0 Thus, the portion of your investment that is at risk decreases on a day to day basis.\u00a0 This is far better than investment plans that don\u2019t return your investment, and sometimes even your earnings, until the end of the plan.\u00a0 An investor should be very very cautious about putting his money into that type of investment plan, especially if it is a long-term plan.\u00a0 But that is not an issue with the Luminex<\/a> plan.<\/p>\n

Earnings Examples.<\/strong><\/p>\n

It is easy to predict your earnings from the Luminex <\/a>investment plan.\u00a0 In fact, there is a calculator in the website to enable you to do this at the touch of a button if you don\u2019t have your own calculator handy.\u00a0 But, let\u2019s do a few examples here to show how things work\u2026<\/p>\n

First, assume that you invest $100 in the plan.\u00a0 Your daily interest will be 1.5% of this which, of course, is $1.50.\u00a0 You will receive this every day for 180 days winding up with a total gross return of $270.\u00a0 Since this includes your investment, your net profit would be $170.\u00a0 Note that you would break even in 67 days, at which time you would have received $100.50 in returns.<\/p>\n

Next, suppose that you invest $1,000 in the plan.\u00a0 In this case your daily interest will increase to 1.7% (Actually you need $1,001 to be eligible for this increase.\u00a0 But, let\u2019s keep the numbers simple!).\u00a0 Now your daily interest will be $17 and by the end of the 180-day period you will have earned $3,060.\u00a0 Again, since this includes your $1,000 investment, your net profit will be $2,060.\u00a0 In this case you will have broken even in 59 days at which time you will have received a total of $1,003.<\/p>\n

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

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

Luminex <\/a>offers a single easy-to-understand investment plan.\u00a0 You might say that it is two plans rolled into one as the interest rate increases for investments over $1,000.\u00a0 The plan is long term and runs for 180 days.\u00a0 Profitability is more than satisfactory and risk is minimal — at least as far as HYIPs are concerned.\u00a0 This would appear to give the program a better than average chance of long-term survival.\u00a0 The investment plan breaks even in around two months.\u00a0 This is somewhat long.\u00a0 However, given the relatively high chance for long-term survival of the program, this might not be a problem.<\/p>\n

I hope that this information is helpful to you as you weight the pros and cons of this new online investment program.<\/p>\n

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This program moved to PROBLEM! Beware! The Luminex Investment Plan. In our \u201cFirst Thoughts\u201d article about Luminex, we summarized their\u00a0investment plan in the following way: For the online investor, Luminex offers a single well-thought-out investment … Luminex – Review<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":5569,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[1938,1926,1930,1927,1928,1931,1940,1929,1925,1932,1933,1939],"class_list":["post-5565","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-httpsluminex-biz","tag-luminex","tag-luminex-info","tag-luminex-investment-plan","tag-luminex-investment-program","tag-luminex-news","tag-luminex-review","tag-luminex-scam-or-paying","tag-luminex-technology","tag-luminex-update","tag-luminex-updates","tag-luminex-biz","exalt-entry"],"yoast_head":"\nLuminex - 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=5565\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Luminex - Review - EmilyNews\" \/>\n<meta property=\"og:description\" content=\"This program moved to PROBLEM! Beware! The Luminex Investment Plan. In our \u201cFirst Thoughts\u201d article about Luminex, we summarized their\u00a0investment plan in the following way: For the online investor, Luminex offers a single well-thought-out investment … Luminex – ReviewRead more\" \/>\n<meta property=\"og:url\" content=\"https:\/\/emilynews.com\/blog\/?p=5565\" \/>\n<meta property=\"og:site_name\" content=\"EmilyNews\" \/>\n<meta property=\"article:published_time\" content=\"2018-12-13T03:56:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-01-11T22:35:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2018\/12\/lmnx.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\/12\/lmnx.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=5565\",\"url\":\"https:\/\/emilynews.com\/blog\/?p=5565\",\"name\":\"Luminex - Review - EmilyNews\",\"isPartOf\":{\"@id\":\"https:\/\/emilynews.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/emilynews.com\/blog\/?p=5565#primaryimage\"},\"image\":{\"@id\":\"https:\/\/emilynews.com\/blog\/?p=5565#primaryimage\"},\"thumbnailUrl\":\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2018\/12\/lmnx.jpg\",\"datePublished\":\"2018-12-13T03:56:48+00:00\",\"dateModified\":\"2019-01-11T22:35:37+00:00\",\"author\":{\"@id\":\"https:\/\/emilynews.com\/blog\/#\/schema\/person\/d198218498e05856be72796eea940a33\"},\"breadcrumb\":{\"@id\":\"https:\/\/emilynews.com\/blog\/?p=5565#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/emilynews.com\/blog\/?p=5565\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/emilynews.com\/blog\/?p=5565#primaryimage\",\"url\":\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2018\/12\/lmnx.jpg\",\"contentUrl\":\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2018\/12\/lmnx.jpg\",\"width\":200,\"height\":200},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/emilynews.com\/blog\/?p=5565#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/emilynews.com\/blog\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Luminex – Review\"}]},{\"@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":"Luminex - Review - 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=5565","og_locale":"en_US","og_type":"article","og_title":"Luminex - Review - EmilyNews","og_description":"This program moved to PROBLEM! 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