{"id":941,"date":"2017-05-15T04:35:22","date_gmt":"2017-05-15T04:35:22","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=941"},"modified":"2017-05-15T10:48:58","modified_gmt":"2017-05-15T10:48:58","slug":"hyip-insights-10-breaking-even","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=941","title":{"rendered":"HYIP Insights #9 — Breaking Even!"},"content":{"rendered":"

<\/a>When Will I Break Even?<\/strong><\/p>\n

One of the first questions an investor will ask when looking at a new HYIP investment plan is, \u201cWhen will I break even?\u201d\u00a0 In the back of the mind of every investor is the fear that a program will close its doors before he is \u201cin profit,\u201d again, before he breaks even.\u00a0 Well, how do you determine this?\u00a0 For the experienced investor, this is a very easy calculation.\u00a0 But, for the newbie, it might be a little hard to digest.\u00a0 So, this article is primarily aimed at the person who has little or no experience with the HYIP industry — with the hope that this business of breaking even will be completely clear after we\u2019re finished.\u00a0 If you have read any of the Emily News<\/em> reviews, you have probably noticed that, when analyzing an investment plan, one of the little calculations that we always do is to check when a plan will break even.\u00a0 So, that\u2019s what we\u2019re going to do that here.\u00a0 Again, when we\u2019re finished, you will be an expert on this.<\/p>\n

<\/a>Examples of Break Even Points.<\/strong><\/p>\n

Now let’s get down to business and work a number of examples…<\/p>\n

To begin, if an investment plan pays you 1% interest per day, how long will it take you to break even?\u00a0 Simple enough.\u00a0 When you\u2019re even, you will have earned 100% of your investment back.\u00a0 So, you divide 100% by the interest per day to get the number of days for this to happen.\u00a0\u00a0 In this case, the calculation couldn\u2019t be simpler.\u00a0 One hundred divided by one is 100 days.\u00a0 In numbers, 100\/1 = 100.\u00a0 Now, suppose that a program pays 1.3% interest per day.\u00a0 When will you break even?\u00a0 The calculation is the same and is 100\/1.3 = 76.9 days which rounds off to 77 days.\u00a0 Very simple!<\/p>\n

Using this information, it\u2019s easy to come up with a table of break even points for any percent interest that you can come up with.\u00a0 Here\u2019s what it looks like for interest rates from 0.1% up to 5.0%.\u00a0 I doubt if you will encounter any of the rates on the low end of this scale in the HYIP world (although if your neighborhood bank offered them, it would be phenomenal!).\u00a0 And, if you encounter any of the rates on the high end, it might be best to avoid the program as they simply aren\u2019t sustainable — at least not on the planet where I happen to live.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Rate<\/td>\nDays to Break Even<\/td>\n<\/tr>\n
0.1<\/td>\n1000<\/td>\n<\/tr>\n
0.2<\/td>\n500<\/td>\n<\/tr>\n
0.3<\/td>\n333<\/td>\n<\/tr>\n
0.4<\/td>\n250<\/td>\n<\/tr>\n
0.5<\/td>\n200<\/td>\n<\/tr>\n
0.6<\/td>\n167<\/td>\n<\/tr>\n
0.7<\/td>\n143<\/td>\n<\/tr>\n
0.8<\/td>\n125<\/td>\n<\/tr>\n
0.9<\/td>\n111<\/td>\n<\/tr>\n
1.0<\/td>\n100<\/td>\n<\/tr>\n
1.1<\/td>\n91<\/td>\n<\/tr>\n
1.2<\/td>\n83<\/td>\n<\/tr>\n
1.3<\/td>\n77<\/td>\n<\/tr>\n
1.4<\/td>\n71<\/td>\n<\/tr>\n
1.5<\/td>\n67<\/td>\n<\/tr>\n
1.6<\/td>\n63<\/td>\n<\/tr>\n
1.7<\/td>\n59<\/td>\n<\/tr>\n
1.8<\/td>\n56<\/td>\n<\/tr>\n
1.9<\/td>\n53<\/td>\n<\/tr>\n
2.0<\/td>\n50<\/td>\n<\/tr>\n
2.1<\/td>\n48<\/td>\n<\/tr>\n
2.2<\/td>\n45<\/td>\n<\/tr>\n
2.3<\/td>\n43<\/td>\n<\/tr>\n
2.4<\/td>\n42<\/td>\n<\/tr>\n
2.5<\/td>\n40<\/td>\n<\/tr>\n
2.6<\/td>\n38<\/td>\n<\/tr>\n
2.7<\/td>\n37<\/td>\n<\/tr>\n
2.8<\/td>\n36<\/td>\n<\/tr>\n
2.9<\/td>\n34<\/td>\n<\/tr>\n
3.0<\/td>\n33<\/td>\n<\/tr>\n
3.1<\/td>\n32<\/td>\n<\/tr>\n
3.2<\/td>\n31<\/td>\n<\/tr>\n
3.3<\/td>\n30<\/td>\n<\/tr>\n
3.4<\/td>\n29<\/td>\n<\/tr>\n
3.5<\/td>\n29<\/td>\n<\/tr>\n
3.6<\/td>\n28<\/td>\n<\/tr>\n
3.7<\/td>\n27<\/td>\n<\/tr>\n
3.8<\/td>\n26<\/td>\n<\/tr>\n
3.9<\/td>\n26<\/td>\n<\/tr>\n
4.0<\/td>\n25<\/td>\n<\/tr>\n
4.1<\/td>\n24<\/td>\n<\/tr>\n
4.2<\/td>\n24<\/td>\n<\/tr>\n
4.3<\/td>\n23<\/td>\n<\/tr>\n
4.4<\/td>\n23<\/td>\n<\/tr>\n
4.5<\/td>\n22<\/td>\n<\/tr>\n
4.6<\/td>\n22<\/td>\n<\/tr>\n
4.7<\/td>\n21<\/td>\n<\/tr>\n
4.8<\/td>\n21<\/td>\n<\/tr>\n
4.9<\/td>\n20<\/td>\n<\/tr>\n
5.0<\/td>\n20<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

For 1% and 1.3% interest rates, the table checks our little calculations above.<\/p>\n

You might also notice that in cases like 4.9% and 5%, the number of days to break even comes out the same.\u00a0 The true number of days for 4.9% is around 20.4 days.\u00a0 However, this rounds off to 20 days.\u00a0 Actually, we should round UP to 21 days because a fraction of a day is effectively a whole day when it comes to processing a withdrawal.\u00a0 However, my spreadsheet only rounds off, not UP.\u00a0 So, this will have to suffice.\u00a0 It\u2019s certainly close enough for our purposes here.<\/p>\n

Let\u2019s take a look at a few of these numbers.\u00a0 First of all, for the lowest interest rate of 0.1%, it takes 1,000 days to break even.\u00a0 That\u2019s almost three years.\u00a0 There might never have been a HYIP that has lasted this long.\u00a0 So, you have to stay away from low interest rates like these.\u00a0 Perhaps a low limit on interest rates to consider might be one that will allow you to break even in one year.\u00a0 That would be around 0.3%.\u00a0 Better yet, for a sensible HYIP, you might want to break even in no longer than around three months.\u00a0 That would put you in the ballpark of 1.1%.\u00a0 You might say that one percent and over might be acceptable for a HYIP.\u00a0 But, don\u2019t completely dismiss lower rates if a program has very positive indicators that it will be a long-term survivor.\u00a0 Of course, the issue of how to determine this is the dilemma faced by all HYIP investors.\u00a0 We offered some ideas on this in HYIP Insights #8<\/em> that you can read here<\/a>.\u00a0 However, always remember that nothing is for sure in this \u201cgame.\u201d\u00a0 So, do your \u201cDue Diligence\u201d before making an investment and, as we always say, never invest more than you can afford to lose.<\/p>\n

A few other \u201ckey numbers\u201d might be the interest rate required in order to break even in two months which would be around 1.7% and in one month which would be around 3.3%.\u00a0 Getting much higher than this gets very risky very fast.\u00a0 You always have to carefully weigh the possibility of high profit against the probability of a program surviving.\u00a0 Remember, you don\u2019t want to just break even; you want a program to be round for a LOT longer than that so you can earn some serious money!<\/p>\n

One final point is that these days to break even are the same no matter what the size of your investment.\u00a0 Ten dollars or $10,000: it doesn\u2019t matter.<\/p>\n

Well, that\u2019s about it.\u00a0 I hope that this has been some help to you.<\/p>\n

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

Please don\u2019t forget that you can post your screenshots of payment, scam, or other proofs related to a program by clicking on the \u201cDetails\u201d button in the Emily News<\/em>\u00a0monitor.\u00a0 Also, don\u2019t forget that you can add your referral link when you post your proofs — another way to build your downline.<\/p>\n

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

If you like this article, please share it by using the social media buttons below.<\/p>\n","protected":false},"excerpt":{"rendered":"

When Will I Break Even? One of the first questions an investor will ask when looking at a new HYIP investment plan is, \u201cWhen will I break even?\u201d\u00a0 In the back of the mind of … HYIP Insights #9 — Breaking Even!<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":311,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[10,26,53,90,91,24,25],"class_list":["post-941","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hyip-insights","tag-hyip","tag-hyip-info","tag-hyip-insights","tag-hyip-interest","tag-hyip-interest-rates","tag-hyip-news","tag-hyip-updates","exalt-entry"],"yoast_head":"\nHYIP Insights #9 - Breaking Even! - 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=941\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"HYIP Insights #10 --- Breaking Even! : Different HYIP investment blog. 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One of the first questions an investor will ask when looking at a new HYIP investment plan is, \u201cWhen will I break even?\u201d\u00a0 In the back of the mind of … HYIP Insights #9 — Breaking Even!Read more\" \/>\n<meta property=\"og:url\" content=\"https:\/\/emilynews.com\/blog\/?p=941\" \/>\n<meta property=\"og:site_name\" content=\"EmilyNews\" \/>\n<meta property=\"article:published_time\" content=\"2017-05-15T04:35:22+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2017-05-15T10:48:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2017\/02\/HInsights-1.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:title\" content=\"HYIP Insights #10 --- Breaking Even! : Different HYIP investment blog. 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