{"id":7258,"date":"2019-05-30T04:44:03","date_gmt":"2019-05-30T04:44:03","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=7258"},"modified":"2019-07-02T11:49:45","modified_gmt":"2019-07-02T11:49:45","slug":"whalesclub-review-part-2","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=7258","title":{"rendered":"WhalesClub – Review Part 2"},"content":{"rendered":"

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

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

In Part 1 of this review<\/a> of WhalesClub<\/a>, we analyzed their three investment plans and determined when each of them will break even as well as the average daily net interest (DNI) that each of them will pay.\u00a0 Here\u2019s a summary of this information as well as the basic information about each of the investment plans:<\/p>\n

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

Flat Rate Plan
\n5% daily for 33 business days
\n$30 – $10,000
\nInvestment included in daily returns
\nBreak even = 28 calendar days
\nDNI = 1.44%<\/p>\n

Balanced Portfolio Plan
\n125% after 20 calendar days
\n$30 – $3,000
\nInvestment included as part of return
\nBreak even = 20 calendar days
\nDNI = 1.25%<\/p>\n

Extreme Volatility Plan
\n2% – 5% for 100 business days
\n$5,000 – $100,000
\nEarnings paid and investment returned at conclusion of plan
\nBreak even = 137 calendar days
\nDNI = 1.46%<\/p>\n

The one thing that the three WhalesClub<\/a> investment plans have in common is their DNI, the average daily net interest that you can earn from each of them.\u00a0 The Flat Rate and Extreme Plans have DNIs of 1.44% and 1.46%, respectively — which are just about the same.\u00a0 The Balanced Plan has a DNI of 1.25% which is in the same ballpark.\u00a0 It is important to keep in mind that, since the Extreme Plan pays a variable interest rate, this figure might not be accurate.\u00a0 Remember that we used a 3% daily (on business days) rate to determine it because this is the rate that is used in the online calculator.\u00a0 However, with a rate that can fluctuate between 2% and 5%, there is the possibility for a greater DNI.\u00a0 There is no answer to this question and I feel that our estimate is probably safe.\u00a0 As the saying goes, \u201cit\u2019s better to be safe than sorry.\u201d<\/p>\n

DNIs in this range offer satisfactory profits and, at least in the HYIP business, might suggest that the program can survive in the long term.\u00a0 Specifically, to round things off, if you have a DNI of 1.5% and multiply it by seven, the number of days in a week, this comes to an average weekly net return of 10.5%.\u00a0 A DNI of 1.25% corresponds to almost 9% per week.\u00a0 These levels of income would certainly seem to be satisfactory to all investors except those seeking a very high short-term return.\u00a0 They are also in line with our recommendation in HYIP Insights #23<\/em><\/a>.<\/p>\n

Although the three WhalesClub<\/a> investment plans have DNIs that are in the same ballpark, they differ radically in other respects.\u00a0 The most glaring one is their break even points.\u00a0 Here, the Extreme Plan, with a break even point of four and a half months, is MUCH greater than the other two plans having break even points of a month or less.\u00a0 In fact, since the investor in the Extreme Plan doesn\u2019t receive any return at all until the plan ends, it is an extremely risky plan.\u00a0 Furthermore, since the DNIs of all the plans are so close, there would seem to be no incentive for the investor to use the Extreme Plan at all.\u00a0 If it offered a much higher interest rate, the temptation to use the plan would be there.\u00a0 However, as things stand now, it might not make sense for the investor to use this plan.<\/p>\n

So, it comes down to a comparison of the Flat Rate and Balanced Plans.<\/p>\n

In general, the Flat Rate Plan is the best TYPE of plan.\u00a0 Your investment is being returned to you on a daily basis and at a respectable rate (5% per business day in this case).\u00a0 So, as we already indicated, this plan breaks even in 28 days.\u00a0 More significantly, since you are receiving a return on a daily basis, after only 14 days, you will have recovered half your investment — and so on for any other time period before you break even.<\/p>\n

The Balanced Plan doesn\u2019t pay you anything until the plan ends after 20 calendar days.\u00a0 So, there is a three-week period during which the investor must \u201cbite his nails\u201d hoping that the program doesn\u2019t close prematurely.\u00a0 So, this a riskier TYPE of plan than the Flat Rate Plan.\u00a0 As far as earnings potential go, it is also less profitable since its DNI is less.\u00a0 The only thing this plan might have going for it is that it is roughly half as long.\u00a0 So, is a choice between shorter investment period vs. daily income at a higher rate. \u00a0This choice would depend on the personality of the investor.<\/p>\n

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

Let\u2019s compare what would happen if we make a $100 investment in both the Flat Rate and Balanced Plans.<\/p>\n

For the Flat Rate Plan, we would receive a return of 5% or $5 on every business day.\u00a0 You can see that, after 20 business days, you would have received $100 and would have broken even.\u00a0 After the 33 business day term of the investment plan is over, you would have received a total of $165 — for a net profit of $65.\u00a0 Remember that 33 business days is equivalent to roughly 45 calendar days.<\/p>\n

For the Balanced Plan, you simply receive 125% of your investment 20 calendar days later.\u00a0 This would be $125 — for a net profit of $25.<\/p>\n

The Flat Rate Plan is 45 calendar days long whereas the Balanced Plan is 20 calendar days long.\u00a0 Roughly speaking, you can say that the Flat Rate Plan is twice as long as the Balanced Plan.\u00a0 So, you could invest in the Balanced Plan two times in the time it takes to complete the Flat Rate Plan.\u00a0 Twice the profit from the Balanced Plan would be $50 compared to the $65 profit for the Flat Rate Plan.\u00a0 It took 45 calendar days to earn the Flat Rate amount compared to 40 days for the Balanced amount.<\/p>\n

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

Conclusions.\u00a0<\/strong><\/p>\n

WhalesClub<\/a> offers three investment plans.\u00a0 All of them are equally profitable and have the potential to be long term survivors.\u00a0 However, owing to its long term and to the fact that it doesn\u2019t pay a return for over four months, the Extreme Plan appears to be much riskier than the other two plans.\u00a0 The choice of which of the other two plans an investor might use will depend largely on his investment temperament as there are pros and cons to each of them.<\/p>\n

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

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This program moved to PROBLEM! Do NOT invest there..! Discussion. In Part 1 of this review of WhalesClub, we analyzed their three investment plans and determined when each of them will break even as well … WhalesClub – Review Part 2<\/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":[2519,2507,2516,2512,2513,2515,2521,2514,2517,2518,2520],"class_list":["post-7258","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-httpswhalesclub-io","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 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=7258\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"WhalesClub - Review Part 2 - EmilyNews\" \/>\n<meta property=\"og:description\" content=\"This program moved to PROBLEM! 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