{"id":6353,"date":"2019-03-07T04:29:50","date_gmt":"2019-03-07T04:29:50","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=6353"},"modified":"2019-04-11T11:26:07","modified_gmt":"2019-04-11T11:26:07","slug":"forest4-review","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=6353","title":{"rendered":"Forest4 – Review"},"content":{"rendered":"

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

The Forest4 Investment Plans.<\/strong><\/p>\n

In our \u201cFirst Thoughts\u201d article about Forest4<\/a>, we provided a fairly thorough description of the company\u2019s two investment plans.\u00a0 To make our review of the program easier, I\u2019m going to repeat that information here\u2026<\/p>\n

Forest4<\/a> offers two investment plans.\u00a0 We are pleased to note that the website presents them in the clearest possible manner, each with an example of how the plan works.\u00a0 The first plan is called \u201cPlan Four\u201d and, as the name might imply, pays 4% gross daily interest for 38 business days.\u00a0 Your investment is returned as part of these payments.\u00a0 The second plan is called \u201cPlan 115\u201d and it pays 115% after a period of 15 calendar days.\u00a0 Your investment is part of this return.\u00a0 Both plans have a minimum investment of $20.\u00a0 The sky is the limit on the other end.<\/p>\n

The website claims that the Plan 115 is less profitable than Plan Four.\u00a0 We will take a very close look at the relative profitability of the two plans as well as a number of other factors related to these investment plans when we review the Forest4 <\/a>program within a few days from now.\u00a0 For now, I will only note that, at first glance, it can be difficult to compare two investment plans such as these because they are of different types and, furthermore, because one is based on business days while the other is based on calendar days.\u00a0 It is like comparing apples to oranges.\u00a0 However, we will sort through all this in our review.\u00a0 Please stand by\u2026<\/p><\/blockquote>\n

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

Analysis of the Forest4 Investment Plans.<\/strong><\/p>\n

When I write these First Thoughts articles, I usually have done a few calculations on scrap paper on my desk which is why I made the comment about \u201ccomparing apples to oranges.\u201d\u00a0 Let\u2019s dig into that a little deeper now and compare the profitability of the two investment plans.\u00a0 We do this by comparing the average daily net interest (or profit) that you can earn from each of them.\u00a0 The logic is simple.\u00a0 If, on the average, Plan A puts $2 profit into your pocket on a daily basis and Plan B puts only $1 profit into your pocket, then Plan A is the more profitable one.\u00a0 So, what we have to do is to determine this average daily net interest for each of the two investment plans.\u00a0 We refer to this as DNI.\u00a0 It is based on calendar days.<\/p>\n

For Plan 115, this is very simple.\u00a0 In the 15-day period of the investment plan, your net profit is 15%.\u00a0 So, this averages out to a net profit of 1% per day; the DNI of this plan is 1%.<\/p>\n

For Plan Four, things are a bit more complicated.\u00a0 Since you earn 4% gross interest for 38 business days, the total gross interest that you earn will be 152%.\u00a0 Since this includes your investment, your total net interest (profit) will be 52%.\u00a0 Now comes the tricky part.\u00a0 There are roughly 22 business days in a 30 calendar day month.\u00a0 Therefore, to get the number of calendar days that are equivalent to 38 business days, you must multiply 38 by 30\/22.\u00a0 The result is that this plan is around 52 calendar days long.\u00a0 Finally, if you divide the total net interest of 52% by the 52-day length of the plan, you get a DNI of 1%.\u00a0 Amazingly, this is the SAME as the DNI for Plan 115.\u00a0 So, the two plans are EQUALLY PROFITABLE.<\/p>\n

Before we discuss this very interesting result, there is one more quantity that we should determine for the Forest4 <\/a>investment plans: breakeven points.<\/p>\n

For Plan 115, this is very simple.\u00a0 Since you don\u2019t see a penny of your earnings or have your investment returned to you until the end of the plan, this is when you will break even — after 15 days.\u00a0 For Plan Four, if you divide 100% by the 4% gross daily return, you find that you break even in 25 business days.\u00a0 Multiplying this by the 30\/22 conversion factor, you get that the plan breaks even in around 35 calendar days.\u00a0 As we discovered already, the 38 business day length of this plan converts to around 52 calendar days.<\/p>\n

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

This is the first time that I have encountered an investment program that offers two investment plans that are equally profitable!\u00a0 Plan 115 is NOT less profitable as the website says.\u00a0 As we indicated in our First Thoughts article, the two plans are very different; they are apples and oranges and, in order to compare them, you have to clear the smoke.\u00a0 We do this by determining the DNI for each of the two plans.\u00a0 And, it works out that the DNIs are the same.<\/p>\n

There is nothing wrong with this!\u00a0 It is simply unusual.\u00a0 But it is important for the investor to be aware of this fact.\u00a0 His decision as to which plan to invest in will be determined by the TYPE of investment plan he prefers, not because of which plan is more profitable.\u00a0 His decision will be determined by his \u201cinvestment personality.\u201d<\/p>\n

OK, all this said, what are the pros and cons of each of the two plans?\u00a0 In general, we recommend plans like Plan Four because you start recovering your investment immediately; the portion of your investment that is at risk decreases every day (every business day in the case of the Plan Four plan).\u00a0 In the case of plans like Plan 115, your entire investment is at risk for the entire 15-day period.\u00a0 In HYIP world, this can be a significant risk.\u00a0 On the other hand, Plan Four is 52 days long.\u00a0 THAT\u2019S a very long time in HYIP world.\u00a0 From that point of view, an investor might be attracted to Plan 115 and decide to invest once with it and then to quit (while he\u2019s ahead!).\u00a0 There is no hard and fast answer to these questions.\u00a0 The way an investor decides, again, will depend on his personality.\u00a0 All that we can say is that, for equal lengths of time (and assuming that the program doesn\u2019t close), there is no financial advantage to either investment plan.<\/p>\n

Perhaps the important thing to remember is that, for either plan, your average profit is 1% per day.\u00a0 The plan that you choose will determine HOW YOU RECEIVE that 1%.<\/p>\n

A DNI of 1% gives us an average weekly profit of 7%.\u00a0 In HYIP Insights #23<\/em><\/a>, we suggested aiming at programs offering investment plans that provide weekly profits roughly between 5% and 15%.\u00a0 This level of profit was suggested as a compromise between a satisfactory level of income and risk of the program closing prematurely.\u00a0 The fact that the Forest4 <\/a>investment plans provide profit at the low end of this scale might imply that this program is less risky than many others and might therefore have a better chance at long-term survivability.<\/p>\n

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

Let\u2019s assume that we invest $100 in each of the two investment plans and see how things will work out.\u00a0 However, always remember that you will be averaging 1% profit per day, whichever plan you choose.\u00a0 That\u2019s $1 per day.<\/p>\n

OK, for a $100 investment on the Plan 115 plan, you will simply receive $115 after 15 days.\u00a0 That\u2019s it.\u00a0 A one-shot deal.\u00a0 So, still once again, you can see that you averaged $1 per day profit.<\/p>\n

For a $100 investment in the Plan Four plan, you will receive 4% of this every business day.\u00a0 Of course, this is equivalent to $4 per business day.\u00a0 After 25 business days (around 35 calendar days) you will have received $100 and will have broken even.\u00a0 Finally, after 38 business days (around 52 calendar days) you will have received $152 for a net profit of $52.\u00a0 You can again see that, like the Plan 115 plan, this averages out to a net profit of $1 per day.<\/p>\n

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

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

The Forest4 <\/a>investment program offers two very different types of investment plans that are equally profitable on a daily basis. \u00a0One is fairly long term (52 days) while the other is fairly short term (25 days).\u00a0 Given that the plans are equally profitable, the choice of plan will largely depend on the temperament of the investor.<\/p>\n

I hope this information is helpful.<\/p>\n

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This program moved to CLOSED! Do not invest there! The Forest4 Investment Plans. In our \u201cFirst Thoughts\u201d article about Forest4, we provided a fairly thorough description of the company\u2019s two investment plans.\u00a0 To make our … Forest4 – Review<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":6350,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[2191,2199,2196,2197,2198,2205,2202,2200,2201,2204,2203],"class_list":["post-6353","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-forest4","tag-forest4-info","tag-forest4-investment-plan","tag-forest4-investment-program","tag-forest4-news","tag-forest4-review","tag-forest4-scam-or-paying","tag-forest4-update","tag-forest4-updates","tag-forest4-biz","tag-httpsforest4-bizrefemilynews","exalt-entry"],"yoast_head":"\nForest4 - 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=6353\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Forest4 - Review - EmilyNews\" \/>\n<meta property=\"og:description\" content=\"This program moved to CLOSED! Do not invest there! The Forest4 Investment Plans. 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