{"id":7355,"date":"2019-06-06T05:11:10","date_gmt":"2019-06-06T05:11:10","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=7355"},"modified":"2019-06-16T12:40:09","modified_gmt":"2019-06-16T12:40:09","slug":"cryptocircle-review","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=7355","title":{"rendered":"CryptoCircle – Review"},"content":{"rendered":"

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

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

In our recent \u201cFirst Thoughts\u201d article, we made the following comments about the CryptoCircle<\/a> investment plans:<\/p>\n

For the investor, the most important thing are the investment plans offered by CryptoCircle<\/a>.\u00a0 There are two of them.\u00a0 One plan pays 5% daily and runs for 25 days.\u00a0 The other pays .19% hourly and runs for 30 days.\u00a0 Both plans return your investment as part of your earnings.\u00a0 An unusual thing about these investment plans is that the payment processors that can be used for the hourly plan are limited.\u00a0 For the daily plan you can use PM, PAYEER, BTC, ETH, BCH, and LTC.\u00a0 For the hourly plan you can only use PM and BTC.\u00a0 As we will see when we review the program, the hourly plan is slightly more profitable.\u00a0 Perhaps that\u2019s the reason for limiting the payment processors that can be used in conjunction with it. \u00a0It looks like the minimum investment is the same for both plans — $10 or .003 BTC (and similar amounts for other cryptos).\u00a0 There appears to be no maximum investment.<\/p><\/blockquote>\n

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

To simplify things a bit, let\u2019s convert the hourly plan to a daily one by multiplying the hourly interest rate of .19% by 24 (the number of hours per day).\u00a0 So, that plan pays 4.56% per day.\u00a0 I often wonder if there is very much advantage to a plan that pays interest on an hourly basis.\u00a0 Perhaps it might help the nervous investor who wants to withdraw his earnings three or four times per day.\u00a0 But, of course, the total that you earn is the same, whether interest is paid one or more times per day.<\/p>\n

With this in mind, we can very simply summarize the important information about the two plans in the following way.<\/p>\n

Plan #1
\n5% daily for 25 days<\/p>\n

Plan #2
\n4.56% daily for 30 days<\/p>\n

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

First, let\u2019s see how long it takes each of the investment plans to break even.\u00a0 For Plan #1, dividing 100% by the daily return of 5%, you see that it will take exactly 20 days for the plan to break even.\u00a0 For plan #2, the same calculation tells you that the plan will break even in 21.9 days.\u00a0 Let\u2019s call it 22 days, although, since this is really an hourly plan, the alert investor will realize that he has actually broken even an hour or so short of 22 days.<\/p>\n

Next, let’s average out the total net interest that each of the investment plans pay you over the total length of each plan to get an average daily net interest (DNI).\u00a0 Obviously, if one plan pays you a DNI of 3% and the other pays you 2%, the first plan is the more profitable one.\u00a0 This is why we ALWAYS compute DNI when we want to compare the profitability (and risk) of one investment plan with another.<\/p>\n

For Plan #1, the total GROSS interest that you receive will equal the daily gross interest of 5% times the 25-day length of the plan, or 125%.\u00a0 Subtracting 100% from this because it includes your investment, you get a total NET interest of 25%.\u00a0 Averaging this out over the length of the investment plan, by dividing by the plan length of 25 days, you get a DNI of exactly 1%.\u00a0 Doing the same arithmetic for Plan #2, you get a DNI of 1.23%.<\/p>\n

Here\u2019s this important information is summary form:<\/p>\n

Plan\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 DNI\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0 Days to break even<\/p>\n

#1\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 20 days
\n#2 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.23%\u00a0\u00a0\u00a0 22 days<\/p>\n

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

These investment plans don\u2019t differ by very much.\u00a0 Their lengths are in the same ballpark — 25 days and 30 days; they break even in almost the same length of time — 20 days and 22 days; and, their profitability is also in the same ballpark — 1% and 1.23%.\u00a0 Also, both investment plans return your investment as part of your earnings — which is the best TYPE of investment plan because the portion of your investment that is at risk decreases very quickly.\u00a0 Furthermore, the returns that both investment plans pay are within sensible limits that shouldn\u2019t place the survivability of the overall program at undue risk (please see HYIP Insights #12<\/em><\/a> for more information on this).<\/p>\n

So, which of the two if the better investment plan?<\/p>\n

The answer is that it probably depends on your investment personality.\u00a0 Plan #2 is slightly more profitable that Plan #1.\u00a0 So, it is preferable from that point of view.\u00a0 However, it is five days longer than Plan #1.\u00a0 So, your investment is at risk for a longer period of time and Plan #1 would be preferable from that point of view.\u00a0 The bottom line might be that the more conservative investor will opt for Plan #1 while the more adventuresome investor will opt for Plan #2.\u00a0 However, I must emphasize that these plans don\u2019t differ very much.\u00a0 So, we are splitting hairs here.<\/p>\n

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

Let\u2019s assume a $100 investment in each of the two plans and see what happens\u2026<\/p>\n

For Plan #1, you will receive a daily return of 5% or $5.\u00a0 You can see that, after 20 days, you will have received a total of $100 and will have broken even at that time.\u00a0 At the end of the plan, after 25 days, you will have received a total of $125, for a net profit of $25.<\/p>\n

For Plan #2, you will receive a daily return 4.56% or $4.56.\u00a0 After 22 days, you will have received $100.32 and you will have broken even at that time.\u00a0 Actually, since this is an hourly plan, you will break even one hour short of 22 days ($0.19 sooner) — which isn\u2019t important at all. \u00a0At the end of the plan, you will have received a total of $136.80, for a net profit of $36.80.<\/p>\n

So, Plan #1 gets you $25 profit in 25 days and Plan #2 gets you $36.80 profit in 30 days.\u00a0 Just looking at these results, it might be hard to see which plan is the more profitable one as both the net profit AND the length of the plans differ.\u00a0 THIS IS THE REASON WHY WE ALWAYS DETERMINE DNI.\u00a0 It is the ONE number that takes into account BOTH these factors.<\/p>\n

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

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

CryptoCircle<\/a> offers two investment plans that turn out to be very similar if you remove all the camouflage.\u00a0 The choice of which plan to invest in will probably depend on the individual\u2019s \u201cinvestment personality.\u201d\u00a0 With wise management practices, this program would appear to have a good chance of long term survival.<\/p>\n

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This program moved to CLOSED! Beware and do NOT invest there! The CryptoCircle Investment Plans. In our recent \u201cFirst Thoughts\u201d article, we made the following comments about the CryptoCircle investment plans: For the investor, the … CryptoCircle – Review<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":7361,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[2585,2594,2591,2592,2593,2599,2590,2595,2596,2598,2597,2615],"class_list":["post-7355","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-cryptocircle","tag-cryptocircle-info","tag-cryptocircle-investment-plan","tag-cryptocircle-investment-program","tag-cryptocircle-news","tag-cryptocircle-review","tag-cryptocircle-scam-or-paying","tag-cryptocircle-update","tag-cryptocircle-updates","tag-cryptocircle-fund","tag-httpscryptocircle-fund","tag-httpscryptocircle-fundr1284","exalt-entry"],"yoast_head":"\nCryptoCircle - 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=7355\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CryptoCircle - Review - EmilyNews\" \/>\n<meta property=\"og:description\" content=\"This program moved to CLOSED! 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