{"id":6041,"date":"2019-02-04T04:51:31","date_gmt":"2019-02-04T04:51:31","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=6041"},"modified":"2019-02-08T20:48:05","modified_gmt":"2019-02-08T20:48:05","slug":"cryptolight-review-part-1","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=6041","title":{"rendered":"CryptoLight – Review Part 1"},"content":{"rendered":"

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

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

In our recent \u201cFirst Thoughts\u201d article about CryptoLight <\/a>(that you can read here<\/a>), we introduced the company\u2019s investment plans as follows:<\/p>\n

For the online investor,\u00a0CryptoLight\u00a0<\/a>offers three investment plans.\u00a0 All of them pay interest on a daily basis and all of them return your investment as part of your earnings (which is the best possible arrangement!).\u00a0 One plan runs for 45 days and pays 4% interest daily.\u00a0 The other two run for 20 days, one of them paying 7% interest daily and the other 8%.\u00a0 So, you can see that the investment plans are really in two groups, one of them having a much longer term than the other two.\u00a0 As a result, the\u00a0CryptoLight\u00a0<\/a>investment plans will have distinct pros and cons.\u00a0 This is what we will discuss in detail when we review the program.\u00a0 We should have the review finished within the next day or two.\u00a0 Please stand by\u2026<\/p><\/blockquote>\n

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

Here’s the complete information on the CryptoLight <\/a>investment plans as it appears in their website:<\/p>\n

4%\/day for 45 days
\n180% total profit
\n$15 – $15,000<\/p>\n

7%\/day for 20 days
\n140% total profit
\n$200 – $2,499<\/p>\n

8%\/day for 20 days
\n160% total profit
\n$2,500 – $50,000<\/p>\n

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

First of all, as you can see from the above, the website information includes the total profit for each of the investment plans.\u00a0 The use of the word, \u201cprofit,\u201d is misleading.\u00a0 I prefer to reserve the use of the word, \u201cprofit,\u201d for interest OVER AND ABOVE a person\u2019s investment amount.\u00a0 To be more accurate, the website should have called this the total gross interest, the word, \u201cgross,\u201d indicating that it includes your investment.\u00a0 For example, in the 4% plan, your daily gross interest is 4%.\u00a0 If you multiply this by the 45-day length of the plan, you get 180%, which would be the total gross interest (referred to as total profit in the website).\u00a0 As I already indicated, profit is what you get over and above your investment; it is NET interest.\u00a0 Since the 180% includes your investment, you have to subtract 100% from it to get your total net interest (or your true total profit).\u00a0 This would simply be 80%.\u00a0 Finally, if you divide this by the 45-day length of the investment plan, you get an average daily net interest (we refer to it as DNI), or daily profit, of 0.89%.<\/p>\n

I have gone into a lot of detail on this because different websites use different terminology to describe the same thing.\u00a0 In summary, there are four types of interest that are all very different:<\/p>\n

Daily gross interest
\nTotal gross interest
\nDaily net interest (DNI) — which is average daily profit
\nTotal net interest — which is total profit<\/p>\n

Net interest is profit.\u00a0 It is misleading to refer to gross interest as profit.\u00a0 This is what the CryptoLight<\/a> website does.\u00a0 However, many websites do this as it can be a way to make a relatively unprofitable investment plan appear to be very profitable.\u00a0 What is the best measure of the profitability of an investment plan?\u00a0 The answer is simple. DNI!\u00a0 And, this is the reason that we always determine the DNI of all the investment plans for every program that we review.\u00a0 The reason that DNI is the best measure of profitability is that it averages out the total net interest or profit that an investment plan pays you over the entire length of the plan.\u00a0 If, on the average, Plan A pays you $2 per day profit and Plan B pays you $1 per day profit, then Plan A is clearly the more profitable one.\u00a0 It\u2019s as easy as that to understand.<\/p>\n

OK, enough about that!<\/p>\n

Now let\u2019s look at the 7% plan.\u00a0 It pays you a daily gross interest of 7% for 20 days.\u00a0 This gives you a total gross interest of 140% (the total \u201cprofit\u201d given in the website description of the plan).\u00a0 Subtracting 100% from this because it includes your investment, you get a total net interest of 40%.\u00a0 Finally, dividing this by the 20-day length of the plan, you get a daily net interest, or DNI, of 2%. \u00a0If you do the same arithmetic for the 8% plan, you have the following results:<\/p>\n

4% plan\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 DNI = 0.89%
\n7% plan\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 DNI = 2.00%
\n8% plan\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 DNI = 3.00%<\/p>\n

So, now you can very clearly compare the profitability of the three investment plans.\u00a0 The 7% plan is more than twice as profitable than the 4% plan and the 8% plan is 50% more profitable than the 7% plan.\u00a0 Of course, the folks at CryptoLight<\/a> know all this and this is the reason that the minimum investments for the investment plans with the higher DNIs are higher.<\/p>\n

I\u2019ve gone into a lot of detail on this to emphasize to you how important it is to determine the DNI of an investment plan in order to understand how profitable it truly is.\u00a0 At first glance, looking at the 4% plan on the website with the highest return of \u201c180% total profit,\u201d a person might be led to believe that this is the most profitable alternative.\u00a0 It turns out that it is the least profitable.\u00a0 As you now know, DNI is based on BOTH daily gross interest and the length of the plan.\u00a0 It is the only true measure of an investment plan’s profitability (and risk!).<\/p>\n

Before we discuss all this, let\u2019s quickly determine the breakeven points of each of the three CryptoLight<\/a> investment plans.\u00a0 That\u2019s easy to do.\u00a0 You simply divide 100% by the daily gross interest that each of the investment plans pays.\u00a0 For example, for the 4% plan, you divide 100% by 4% to get that the plan breaks even in 25 days.\u00a0 Doing this same arithmetic for the other two plans, you have the following:<\/p>\n

4% plan \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 25 days
\n7% plan\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 15 days
\n8% plan \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 13 days<\/p>\n

It is obvious that, the higher the gross daily interest, the faster you will break even.<\/p>\n

OK, we have gone into a lot of detail about issues that pertain to ANY investment program, not only to CryptoLight<\/a> which, of course, is the subject of this review. \u00a0I hope that some of this discussion has answered questions that might have been puzzling you as you encounter different HYIPs and attempt to decide whether or not they might be good investment opportunities.<\/p>\n

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

In Part 2 of this review, we\u2019ll discuss what we have discovered about the CryptoLight <\/a>investment plans in an effort to determine their pros and cons.\u00a0 We will also work out a few earnings examples and, finally, draw conclusions concerning what we think of the program.\u00a0 Part 2 should be ready in a day or two.\u00a0 Please stand by\u2026<\/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! Do not invest there! The CryptoLight Investment Plans. In our recent \u201cFirst Thoughts\u201d article about CryptoLight (that you can read here), we introduced the company\u2019s investment plans as follows: For … CryptoLight – Review Part 1<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":6039,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[2037,2047,2042,2043,2046,2045,2044,2048,2049,2051,2050],"class_list":["post-6041","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-cryptolight","tag-cryptolight-info","tag-cryptolight-investment-plan","tag-cryptolight-investment-program","tag-cryptolight-news","tag-cryptolight-review","tag-cryptolight-scam-or-paying","tag-cryptolight-update","tag-cryptolight-updates","tag-cryptolight-biz","tag-httpscryptolight-bizrefemilynews","exalt-entry"],"yoast_head":"\nCryptoLight - 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=6041\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CryptoLight - Review Part 1 - EmilyNews\" \/>\n<meta property=\"og:description\" content=\"This program moved to CLOSED! Do not invest there! The CryptoLight Investment Plans. 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