{"id":7368,"date":"2019-06-08T05:11:14","date_gmt":"2019-06-08T05:11:14","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=7368"},"modified":"2019-06-11T04:20:31","modified_gmt":"2019-06-11T04:20:31","slug":"crystalinvestment-review-part-1","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=7368","title":{"rendered":"CrystalInvestment – Review Part 1"},"content":{"rendered":"

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

In our recent \u201cFirst Thoughts\u201d article about CrystalInvestment<\/a>, we introduced the company\u2019s investment plans in the following way:<\/p>\n

For the online investor, CrystalInvestment<\/a> offers three different investment plans.\u00a0 Minimum investments required for all of the plans are very affordable.\u00a0 So, all of them are available to any halfway serious online investor. \u00a0In addition, all of the investment plans return your investment as part of your earnings — the best TYPE of investment plan.\u00a0 Some quick calculations tell me that the plans are profitable, but not SO profitable that the program would have little or no chance of surviving in the long term.\u00a0 A slightly confusing factor is that one of the investment plans pays interest on calendar days while the other two pay interest on working days.\u00a0 This makes it more difficult than usual to compare the plans with one another in order to determine their pros and cons.\u00a0 However, we\u2019ll tackle this issue and also discuss other details of the program when we review it a few days from now.\u00a0 Please stand by for our review of the CrystalInvestment<\/a> investment program, coming up soon.<\/p>\n

With this as an introduction, let\u2019s put some numbers on the investment plans:<\/p>\n

Plan #1
\n5.4% daily for 26 calendar days
\n$10 – $1,000<\/p>\n

Plan #2
\n7% daily for 20 working days
\n$50 – $1,500<\/p>\n

Plan #3
\n8.2% daily for 15 working days
\n$100 – $25,000<\/p>\n

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

Plans #2 and #3 pay interest on working days.\u00a0 Of course, this implies that their calendar day length is greater than the number of working days in each of the plans.\u00a0 How much greater?\u00a0 Since there are roughly 22 working days in a 30 calendar day month, you multiply the number of working days in an investment plan by 30\/22 to get the length of the plan in calendar days (remembering, of course, that you only receive earnings on working days).\u00a0 So, for Plan #2, you multiply 20 by 30\/22 to get that the plan is roughly 28 calendar days long.\u00a0 Similarly, you can determine that Plan #3 is around 21 calendar days long.<\/p>\n

Next, let\u2019s determine how long it takes each of the plans to break even.\u00a0 For Plan #1, this is straight forward.\u00a0 Just divide 100% by your daily return of 5.4% to get that the plan breaks even in 19 days.\u00a0 For Plan #2, if you divide 100% by the 7% return, you get that it takes 14.29 working days to break even.\u00a0 Using our conversion factor of 30\/22, you find that this plan will break even in around 20 calendar days.\u00a0 In the same way, you can determine that Plan #3 will break even in around 17 calendar days.<\/p>\n

Of paramount importance in evaluating an investment plan is a knowledge of the average daily net interest (DNI) that you receive from it.\u00a0 This is simply the total net interest that you receive averaged out over the number of CALENDAR days in the investment plan.\u00a0 Obviously, if, on the average, Plan A pays you a DNI of 2% and Plan B pays you a DNI of 1%, Plan A is twice as profitable.\u00a0 Very simple.<\/p>\n

Getting back to the CrystalInvestment<\/a> Investment plans, the total GROSS interest that you will receive from Plan #1 will be the daily gross interest of 5.4% times the 26 calendar day length of the plan, or 140.4%.\u00a0 Since this includes your investment, you must subtract 100% from it to get your total NET interest, which will be 40.4%.\u00a0 Finally, averaging this out over the length of the plan by dividing by its 26 calendar day length, we come up with a DNI of 1.55%.\u00a0 For Plan #2, the total gross interest will equal the daily gross interest of 7% times the 20 working day length of the plan, or 140%.\u00a0 Again subtracting 100% from this, you get a total net interest of 40%.\u00a0 To get DNI, you must remember that we are averaging the total net interest over the CALENDAR day length of the plan.\u00a0 So, for Plan #2, you get its DNI by dividing 40% by 28 to get around 1.43%.\u00a0 Plan #3 will work exactly the same way and its DNI comes out to be 1.10%.\u00a0 You might want to get out your calculator and check this.<\/p>\n

Here\u2019s a summary of all this very important information for the three CrystalInvestment<\/a> investment plans:<\/p>\n

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

#1\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.55%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 19 days
\n#2\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.43%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 20 days
\n#3\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.10%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 17 days<\/p>\n

You can see that now it will be easy to compare the three investment plans.\u00a0 We are comparing apples to apples, not oranges to apples.\u00a0 Either intentionally or unintentionally, many investment programs camouflage the key characteristic of their investment plans.\u00a0 CrystalInvestment<\/a> did this by having one plan pay interest on calendar days and the other two pay it on working days.\u00a0 The investor should always do the type of analysis we did here before making a decision as to which, if any, of a program\u2019s investment plans he would like to put his money into.<\/p>\n

In Part 2 of this review, we will discuss the results of our analysis of the CrystalInvestment<\/a> investment plans and attempt to determine their pros and cons.\u00a0 We will also work a few examples that will illustrate the type of returns you can expect to receive from these plans.\u00a0 Part 2<\/a> should be ready in a few days.\u00a0 Please stand by\u2026<\/p>\n

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The CrystalInvestment Investment Plans. In our recent \u201cFirst Thoughts\u201d article about CrystalInvestment, we introduced the company\u2019s investment plans in the following way: For the online investor, CrystalInvestment offers three different investment plans.\u00a0 Minimum investments required … CrystalInvestment – Review Part 1<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":7402,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[2609,2606,2607,2608,2614,2605,2610,2611,2613,2612],"class_list":["post-7368","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-crystalinvestment-info","tag-crystalinvestment-investment-plan","tag-crystalinvestment-investment-program","tag-crystalinvestment-news","tag-crystalinvestment-review","tag-crystalinvestment-scam-or-paying","tag-crystalinvestment-update","tag-crystalinvestment-updates","tag-crystalinvestment-uk","tag-httpscrystalinvestment-ukrefemilynews","exalt-entry"],"yoast_head":"\nCrystalInvestment - 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=7368\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CrystalInvestment - Review Part 1 - EmilyNews\" \/>\n<meta property=\"og:description\" content=\"The CrystalInvestment Investment Plans. In our recent \u201cFirst Thoughts\u201d article about CrystalInvestment, we introduced the company\u2019s investment plans in the following way: For the online investor, CrystalInvestment offers three different investment plans.\u00a0 Minimum investments required … CrystalInvestment – Review Part 1Read more\" \/>\n<meta property=\"og:url\" content=\"https:\/\/emilynews.com\/blog\/?p=7368\" \/>\n<meta property=\"og:site_name\" content=\"EmilyNews\" \/>\n<meta property=\"article:published_time\" content=\"2019-06-08T05:11:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-06-11T04:20:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2019\/06\/ci.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\/06\/ci.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=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/emilynews.com\/blog\/?p=7368\",\"url\":\"https:\/\/emilynews.com\/blog\/?p=7368\",\"name\":\"CrystalInvestment - Review Part 1 - EmilyNews\",\"isPartOf\":{\"@id\":\"https:\/\/emilynews.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/emilynews.com\/blog\/?p=7368#primaryimage\"},\"image\":{\"@id\":\"https:\/\/emilynews.com\/blog\/?p=7368#primaryimage\"},\"thumbnailUrl\":\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2019\/06\/ci.jpg\",\"datePublished\":\"2019-06-08T05:11:14+00:00\",\"dateModified\":\"2019-06-11T04:20:31+00:00\",\"author\":{\"@id\":\"https:\/\/emilynews.com\/blog\/#\/schema\/person\/d198218498e05856be72796eea940a33\"},\"breadcrumb\":{\"@id\":\"https:\/\/emilynews.com\/blog\/?p=7368#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/emilynews.com\/blog\/?p=7368\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/emilynews.com\/blog\/?p=7368#primaryimage\",\"url\":\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2019\/06\/ci.jpg\",\"contentUrl\":\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2019\/06\/ci.jpg\",\"width\":200,\"height\":200},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/emilynews.com\/blog\/?p=7368#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/emilynews.com\/blog\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"CrystalInvestment – 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":"CrystalInvestment - 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=7368","og_locale":"en_US","og_type":"article","og_title":"CrystalInvestment - Review Part 1 - EmilyNews","og_description":"The CrystalInvestment Investment Plans. 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