{"id":7243,"date":"2019-05-26T04:15:07","date_gmt":"2019-05-26T04:15:07","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=7243"},"modified":"2019-07-02T11:50:03","modified_gmt":"2019-07-02T11:50:03","slug":"whalesclub-review-part-1","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=7243","title":{"rendered":"WhalesClub – Review Part 1"},"content":{"rendered":"

This program moved to PROBLEM! Do NOT invest there!<\/strong><\/p>\n

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

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

For the online investor,\u00a0WhalesClub\u00a0<\/a>offers three very different investment plans.\u00a0 The first plan pays 5% interest daily for 33 business days and your return includes your investment.\u00a0 The second plan pays a flat 125% after 20 calendar days.\u00a0 Finally, the third pays a variable interest of between 2% and 5% daily for 100 business days and, like the first plan, it includes your investment.\u00a0 However, no payment is made until the conclusion of the plan.<\/p><\/blockquote>\n

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

Here is the complete information on the three WhalesClub <\/a>investment plans as given in the website:<\/p>\n

Flat Rate Plan
\n5% daily for 33 business days
\n$30 – $10,000
\nInvestment included in daily returns<\/p>\n

Balanced Portfolio Plan
\n125% after 20 calendar days
\n$30 – $3,000
\nInvestment included as part of return<\/p>\n

Extreme Volatility Plan
\n2% – 5% daily for 100 business days
\n$5,000 – $100,000
\nInvestment included in daily returns, all of which are paid at conclusion of plan<\/p>\n

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

When we analyze an investment plan, we typically determine two quantities: the number of days it takes the plan to break even and the average daily net interest (DNI) that you will receive from the plan.<\/p>\n

Let\u2019s begin by determining the breakeven points for each of the three WhalesClub <\/a>investment plans.<\/p>\n

For the Flat Rate Plan, if you divide 100% by the 5% that you recover each business day, you find that the plan breaks even in 20 business days.\u00a0 Since there are roughly 22 business days in a 30 calendar day month, if you multiply this result be the conversion factor of 30\/22, you get that this plan breaks even in around 28 calendar days.\u00a0 Likewise, if you multiply the 33 business day length of the plan by the same conversion factor, you find that the plan is roughly 45 calendar days long.<\/p>\n

The Balanced Portfolio and Extreme Volatility Plans don\u2019t provide any return until that end.\u00a0 So, that is obviously when they will break even.\u00a0 The Extreme Volatility Plan is 100 business days long.\u00a0 If we multiply this by the 30\/22 conversion factor, we find that it is roughly 137 calendar days long — around four and one-half months.<\/p>\n

Here are our results for breakeven points:<\/p>\n

Plan\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Length of Plan\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Days to Break Even<\/p>\n

Flat Rate\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 45 calendar days\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 28 calendar days
\nBalanced\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 20 calendar days\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 20 calendar days
\nExtreme\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 137 calendar days\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 137 calendar days<\/p>\n

Next, let\u2019s determine the DNI for each of these investment plans\u2026<\/p>\n

For the Flat Rate Plan, the total gross interest that you will receive will equal the daily gross interest of 5% times the 33 business days for which it is paid.\u00a0 The result is 165%.\u00a0 Subtracting 100% from this because it includes your investment, you get a total net interest of 65%.\u00a0 Averaging this out over the 45 calendar day length of the plan, you get a DNI of around 1.44%.<\/p>\n

For the Balanced Plan, your total gross return is 125%.\u00a0 So, subtracting 100% from this, you get a total net return of 25%.\u00a0 Averaging this out over the 20 calendar day length of the plan, you get a DNI of 1.25%.<\/p>\n

The Extreme Plan is harder to analyze as the daily interest that it pays can vary between 2% and 5%.\u00a0 However, the online calculator uses 3% as the means of estimating returns.\u00a0 So, let\u2019s accept that as a hint of what the plan will pay and use that amount as well.\u00a0 So, for a gross daily return of 3% paid for 100 business days, you will receive a total return of 300%.\u00a0 Like the Flat Rate Plan, this includes your investment.\u00a0 So, your total net return will be 200%. \u00a0Dividing this by the 137 calendar day length of the plan, we get a DNI of around 1.46%.<\/p>\n

Here are our results for DNI in tabular form:<\/p>\n

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

Flat Rate\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.44%
\nBalanced\u00a0 \u00a0 \u00a0 \u00a0 \u00a01.25%
\nExtreme\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.46%<\/p>\n

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

These are interesting results.\u00a0 Given the fact that we are dealing with three very different types of investment plans, the investor will want to give some serious thoughts to the pros and cons of each of them.\u00a0 Now that we have these numbers in front of us, we will be in a position to do this.\u00a0 And, that will be our objective in Part 2<\/a> of this review.\u00a0 Please stand by.\u00a0 It should be available if a few more days\u2026<\/p>\n

*********************************<\/p>\n

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

*********************************<\/p>\n

Be the first to get most important HYIP news everyday!
\nSimply Follow EN Facebook<\/strong><\/a>, EN Telegram<\/strong><\/a>, EN Twitter<\/strong><\/a>
\nor Subscribe to EN Feedburner<\/a><\/strong> and submit your email address!<\/p>\n

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 PROBLEM! Do NOT invest there! The WhalesClub Investment Plans. In our recent \u201cFirst Thoughts\u201d article about WhalesClub, we summarized their investment plans in the following way: For the online investor,\u00a0WhalesClub\u00a0offers three … WhalesClub – Review Part 1<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":7239,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[2522,2507,2516,2512,2513,2515,2521,2514,2517,2518,2520],"class_list":["post-7243","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-httpswhalesclub-iopartnerwc976316","tag-whalesclub","tag-whalesclub-info","tag-whalesclub-investment-plan","tag-whalesclub-investment-program","tag-whalesclub-news","tag-whalesclub-review","tag-whalesclub-scam-or-paying","tag-whalesclub-update","tag-whalesclub-updates","tag-whalesclub-io","exalt-entry"],"yoast_head":"\nWhalesClub - 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=7243\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"WhalesClub - Review Part 1 - EmilyNews\" \/>\n<meta property=\"og:description\" content=\"This program moved to PROBLEM! Do NOT invest there! The WhalesClub Investment Plans. In our recent \u201cFirst Thoughts\u201d article about WhalesClub, we summarized their investment plans in the following way: For the online investor,\u00a0WhalesClub\u00a0offers three … WhalesClub – Review Part 1Read more\" \/>\n<meta property=\"og:url\" content=\"https:\/\/emilynews.com\/blog\/?p=7243\" \/>\n<meta property=\"og:site_name\" content=\"EmilyNews\" \/>\n<meta property=\"article:published_time\" content=\"2019-05-26T04:15:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-07-02T11:50:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2019\/05\/wc.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\/2019\/05\/wc.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=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/emilynews.com\/blog\/?p=7243\",\"url\":\"https:\/\/emilynews.com\/blog\/?p=7243\",\"name\":\"WhalesClub - Review Part 1 - EmilyNews\",\"isPartOf\":{\"@id\":\"https:\/\/emilynews.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/emilynews.com\/blog\/?p=7243#primaryimage\"},\"image\":{\"@id\":\"https:\/\/emilynews.com\/blog\/?p=7243#primaryimage\"},\"thumbnailUrl\":\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2019\/05\/wc.jpg\",\"datePublished\":\"2019-05-26T04:15:07+00:00\",\"dateModified\":\"2019-07-02T11:50:03+00:00\",\"author\":{\"@id\":\"https:\/\/emilynews.com\/blog\/#\/schema\/person\/d198218498e05856be72796eea940a33\"},\"breadcrumb\":{\"@id\":\"https:\/\/emilynews.com\/blog\/?p=7243#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/emilynews.com\/blog\/?p=7243\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/emilynews.com\/blog\/?p=7243#primaryimage\",\"url\":\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2019\/05\/wc.jpg\",\"contentUrl\":\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2019\/05\/wc.jpg\",\"width\":200,\"height\":200},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/emilynews.com\/blog\/?p=7243#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/emilynews.com\/blog\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"WhalesClub – 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":"WhalesClub - 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=7243","og_locale":"en_US","og_type":"article","og_title":"WhalesClub - Review Part 1 - EmilyNews","og_description":"This program moved to PROBLEM! Do NOT invest there! The WhalesClub Investment Plans. In our recent \u201cFirst Thoughts\u201d article about WhalesClub, we summarized their investment plans in the following way: For the online investor,\u00a0WhalesClub\u00a0offers three … WhalesClub – Review Part 1Read more","og_url":"https:\/\/emilynews.com\/blog\/?p=7243","og_site_name":"EmilyNews","article_published_time":"2019-05-26T04:15:07+00:00","article_modified_time":"2019-07-02T11:50:03+00:00","og_image":[{"width":200,"height":200,"url":"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2019\/05\/wc.jpg","type":"image\/jpeg"}],"author":"Emilynews","twitter_card":"summary_large_image","twitter_image":"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2019\/05\/wc.jpg","twitter_misc":{"Written by":"Emilynews","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/emilynews.com\/blog\/?p=7243","url":"https:\/\/emilynews.com\/blog\/?p=7243","name":"WhalesClub - Review Part 1 - EmilyNews","isPartOf":{"@id":"https:\/\/emilynews.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/emilynews.com\/blog\/?p=7243#primaryimage"},"image":{"@id":"https:\/\/emilynews.com\/blog\/?p=7243#primaryimage"},"thumbnailUrl":"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2019\/05\/wc.jpg","datePublished":"2019-05-26T04:15:07+00:00","dateModified":"2019-07-02T11:50:03+00:00","author":{"@id":"https:\/\/emilynews.com\/blog\/#\/schema\/person\/d198218498e05856be72796eea940a33"},"breadcrumb":{"@id":"https:\/\/emilynews.com\/blog\/?p=7243#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/emilynews.com\/blog\/?p=7243"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/emilynews.com\/blog\/?p=7243#primaryimage","url":"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2019\/05\/wc.jpg","contentUrl":"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2019\/05\/wc.jpg","width":200,"height":200},{"@type":"BreadcrumbList","@id":"https:\/\/emilynews.com\/blog\/?p=7243#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/emilynews.com\/blog"},{"@type":"ListItem","position":2,"name":"WhalesClub – 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"}]}},"_links":{"self":[{"href":"https:\/\/emilynews.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/7243","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/emilynews.com\/blog\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/emilynews.com\/blog\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/emilynews.com\/blog\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/emilynews.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=7243"}],"version-history":[{"count":0,"href":"https:\/\/emilynews.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/7243\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emilynews.com\/blog\/index.php?rest_route=\/wp\/v2\/media\/7239"}],"wp:attachment":[{"href":"https:\/\/emilynews.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=7243"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emilynews.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=7243"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emilynews.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=7243"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}