{"id":6115,"date":"2019-02-13T04:14:11","date_gmt":"2019-02-13T04:14:11","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=6115"},"modified":"2019-05-19T19:22:19","modified_gmt":"2019-05-19T19:22:19","slug":"caribbean-dream-review-2","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=6115","title":{"rendered":"Caribbean Dream – Review #2"},"content":{"rendered":"

This program moved on CLOSED! Beware and do NOT invest there!<\/strong><\/p>\n

The Revised Caribbean Dream Investment Plans.<\/strong><\/p>\n

A few days ago, in News Commentary #677<\/em><\/a>, we pointed out that Caribbean Dream<\/a> has come up with a completely new website — along with a completely new set of investment plans.\u00a0 Here\u2019s what we said in that article.<\/p>\n

Caribbean Dream<\/a>\u00a0has implemented the new website we hinted at in\u00a0News Commentary #674<\/a><\/em>.\u00a0 It is completely new!\u00a0 No more pirates!\u00a0 In fact, it looks a bit too \u201cnormal\u201d as far as I\u2019m concerned!\u00a0 Perhaps most important, there are four new investment plans.\u00a0 They are completely different from the previous single investment plan that\u00a0Caribbean Dream<\/a>\u00a0offered previously with very different interest rates and much higher investment limits.\u00a0 We had suspected that\u00a0Caribbean Dream<\/a>\u00a0would expand its investment opportunities, but this new website far exceeds our wildest expectations.\u00a0 The changes are so great that this is essentially a new program and we will do a new review of its investment plans in the very near future.\u00a0 Please stand by for this.<\/p><\/blockquote>\n

The four investment plans each have a variable daily interest rate and they each continue to pay interest until a preset maximum gross profit is reached.\u00a0 As you can see, this complicates things for the investor since you know neither the interest rate you will be receiving nor the length of the investment plan.\u00a0 Here\u2019s the website information on the four investment plans:<\/p>\n

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

Total Gross Interest\u00a0\u00a0\u00a0 Daily Gross Interest\u00a0\u00a0\u00a0\u00a0 Investment Limits<\/p>\n

170%\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 1% – 1.35%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $25 – $999
\n180%\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 1.05% – 1.45%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $1,000 – $4,999
\n190%\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 1.1% – 1.65%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $5,000 – $9,999
\n200%\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 1.15% – 1.75%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $10,000 – $100,000<\/p>\n

The investor will naturally want to compare the investment plan that was previously offered by Caribbean Dream<\/a> to their new offerings.\u00a0 That\u2019s what I\u2019d like to concentrate on in this second review of Caribbean Dream<\/a>.\u00a0 Let\u2019s begin\u2026<\/p>\n

Analysis of the New Caribbean Investment Plans.\u00a0<\/strong><\/p>\n

In the way of a review, Caribbean Dream<\/a> previously offered only one investment plan.\u00a0 It paid 1% per working day for 20 working days and then returned your investment at the end of the plan.\u00a0 So, you recovered some of your investment during the course of the plan and, when it ended, you got your entire deposit back.\u00a0 So, these daily interest earnings became your profit.\u00a0 The maximum investment for the plan was only $500.<\/p>\n

In News Commentary #605<\/em><\/a>, we made a few updates and corrections to our original review of the program.\u00a0 Most important was that we determined that the average daily net interest (DNI) that the Caribbean Dream<\/a> investment plan paid was 0.71%.\u00a0 This works out to an average weekly profit of around 5%.\u00a0 We commented that, although this level of return might be considered to be low by some online investors, it is still satisfactory and is in the ballpark that might maximize chances for long term survivability of the program.\u00a0 Here are our comments from this News Commentary\u2026<\/p>\n

We DID make a mistake, however, when we reviewed the program.\u00a0 We indicated that the average daily net interest (DNI) for the investment plan was 1%, the logic being that, since your investment is returned at the end of the plan, all your earnings will be pure profit \u2014 assuming the program doesn\u2019t close before the investment plan ends.\u00a0 Well, this would be true if the 1% was paid on a calendar day basis.\u00a0 However, it is paid on business days and, since DNI is based on calendar days, a conversion is necessary.\u00a0 Since there are roughly 22 business days in a 30 calendar day month, 20 business days is approximately equal to 28 calendar days (30\/22 x 20).\u00a0 So, if you average out the 20% interest that you receive over a 28 calendar day period, you come up with a DNI of around 0.71% (20\/28).\u00a0 On a weekly basis this comes to around 5% profit (7 x .71).\u00a0 These values for DNI and weekly profit are right in tune with our recommendations for a sustainable online investment program and this might be at least part of the reason that\u00a0Caribbean Dream<\/a>\u00a0is still alive and well today (please see\u00a0HYIP Insights #12\u00a0<\/a><\/em>and\u00a0HYIP Insights #23<\/a><\/em>\u00a0for further information on all this).<\/p><\/blockquote>\n

Well, how do the new investments plans compare to the old one?\u00a0 First of all, you have probably noticed that the maximum permissible investment rates are now much more higher than the old maximum of $500.\u00a0 Even the lowest interest plan, the 170% plan, has a maximum of $999.\u00a0 The three higher interest plans have maximums that go as high as $100,000.\u00a0 Quite an increase from $500!<\/p>\n

For purposes of comparison to the old plan, we will focus our attention on the 170% plan and make only passing reference to the three other higher interest plans.\u00a0 I note that, due to the high minimum investment requirements, the 190% and 200% plans with minimum investments of $5,000 and $10,000 will probably have minimal use.\u00a0 In fact, we discourage investment of large sums of money in ANY online investment plan.<\/p>\n

Let\u2019s try to estimate DNI for the 170% plan.\u00a0 In order to do that, we need a gross daily interest rate.\u00a0 For the sake of simplicity, we will use the average of 1% and 1.35%, the limits that were given on the gross return.\u00a0 Their average is 1.175%.\u00a0 Since we know that the plan will end when the total gross return reaches 170%, you can divide 170% by 1.175% to get an estimated length of the investment plan. This comes out to around 145 days.\u00a0 Dividing this by 30 days per month, you get that the plan is around 4.8 months long.\u00a0 To get the total net interest, you subtract 100% from the total gross interest of 170% to get 70%.\u00a0 Finally, if you divide this by the 145 day estimated length of the plan, you come up with an estimated average daily net interest (DNI) of 0.48%.\u00a0 You can do the same arithmetic for the other three plans to come up with the following results:<\/p>\n

Plan\u00a0\u00a0\u00a0\u00a0 Days\u00a0\u00a0\u00a0 Months\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 DNI<\/p>\n

170%\u00a0\u00a0 145\u00a0\u00a0\u00a0\u00a0\u00a0 4.8\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 0.48%
\n180%\u00a0\u00a0 144\u00a0\u00a0\u00a0\u00a0\u00a0 4.8\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 0.55%
\n190%\u00a0\u00a0 138\u00a0\u00a0\u00a0\u00a0\u00a0 4.6\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 0.65%
\n200%\u00a0\u00a0 138\u00a0\u00a0\u00a0\u00a0\u00a0 4.6\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 0.72%<\/p>\n

Before we can discuss all this, we should also determine how long it will take each of the new investment plans to break even.\u00a0 That\u2019s easy to do.\u00a0 You simply divide 100% by the assumed daily gross return.\u00a0 So, for the 170% plan, dividing 170% by 1.175%, you get that the plan will break even in around 86 days or, dividing by 30, in around 2.9 months.\u00a0 Here are the results if you repeat this arithmetic for the other three plans:<\/p>\n

Plan\u00a0 \u00a0\u00a0 Break Even<\/p>\n

170%\u00a0\u00a0 86 days or 2.9 months
\n180%\u00a0\u00a0 80 days or 2.7 months
\n190%\u00a0\u00a0 73 days or 2.4 months
\n200%\u00a0\u00a0 69 days or 2.3 month<\/p>\n

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

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

As I suggested previously, let\u2019s focus on comparing the new 170% plan with the old plan as they deal with comparable investment amounts.\u00a0 Let\u2019s look at the critical factors, one by one:<\/p>\n

Profitability<\/u><\/p>\n

The old plan had a DNI of 0.71% for an average weekly profit of around 5.0%.\u00a0 The new plan has an estimated DNI of 0.48% for an average weekly profit of 3.4%.\u00a0 This decrease in profitability is over 30% which is quite significant.\u00a0 There is a lot of \u201csmoke\u201d or camouflage in the presentation of the new investment plan.\u00a0 170% sounds very profitable — until you determine DNI, which is the true measure of profitability of an investment plan.\u00a0 So, as far as profitability is concerned, by HYIP standards, and compared to the old investment plan, the new plan is not a profitable one.<\/p>\n

Sustainability<\/u><\/p>\n

The flip side of the coin is always sustainability.\u00a0 Lower profits always improve the chances that the program will be more sustainable.\u00a0 The individual investor will have to choose the balance between profitability and risk that he is most comfortable with.<\/p>\n

Length of Plan<\/u><\/p>\n

This is now a very long-term plan.\u00a0 The old plan was less than a month long.\u00a0 The new one is almost five months long.\u00a0 Although Caribbean Dream<\/a> already has a good record of survivability, the investor should think long and hard before committing his hard-earned cash for such a long period.\u00a0 Likewise, a breakeven period of nearly three months is a long time in the HYIP business.<\/p>\n

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

Caribbean Dream<\/a> has replaced its previous short-term investment plan with four long term plans.\u00a0 The maximum investment limits of the new plans are much higher than the limit of the old plan.\u00a0 The average daily net interest paid by the new plans will probably be lower than that paid in the old plan.\u00a0 Thus, the plans will likely be less lucrative on a daily basis.\u00a0 However, it is possible that this will improve the survivability of the program.<\/p>\n

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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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If you like this article, please share it by using the social media buttons below.<\/p>\n","protected":false},"excerpt":{"rendered":"

This program moved on CLOSED! Beware and do NOT invest there! The Revised Caribbean Dream Investment Plans. A few days ago, in News Commentary #677, we pointed out that Caribbean Dream has come up with … Caribbean Dream – Review #2<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":6088,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[1473,1484,1478,1479,1481,1487,1480,1892,1482,1483,1486,1485],"class_list":["post-6115","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-caribbean-dream","tag-caribbean-dream-info","tag-caribbean-dream-investment-plan","tag-caribbean-dream-investment-program","tag-caribbean-dream-news","tag-caribbean-dream-review","tag-caribbean-dream-scam-or-paying","tag-caribbean-dream-second-thoughts","tag-caribbean-dream-update","tag-caribbean-dream-updates","tag-caribbean-dream-biz","tag-httpscaribbean-dream-bizrefemilynews","exalt-entry"],"yoast_head":"\nCaribbean Dream - Review #2 - 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=6115\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Caribbean Dream - Review #2 - EmilyNews\" \/>\n<meta property=\"og:description\" content=\"This program moved on CLOSED! 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