PIPS 101

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PIPS 101


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proracr
PIPMiester
PIPMiester


Joined: 21 Mar 2004
Posts: 1694


PostPosted: Thu Nov 11, 2004 11:44 am Post subject: PIPS 101 Reply with quote
People In Profit System (PIPS) 101

$450 Plan

1) Upon depositing $450 into your new PIPS account, $25 is deducted by PIPS, Inc. to reimburse them for setting up your account and help pay for overhead expenses. (The staff, equipment costs, building costs, utilities, etc. must be paid).

3) $425 is used to purchase 17 units for your account. Re-loan percentage is set to 100%.

4) Each trading day of their 180 calendar day active period your 17 units earn $0.475 per unit/per trading day (Mon-Fri) which results in a ROL of $8.08 per day for month 1 which accumulates enough to pay month number 2's $170 fee.

5) The first day of month 2, $150 of the $170 purchases another 6 units that are added to your original 17 units bringing the total to 23 units. $20 goes to PIPS, Inc. to pay the overhead mentioned in item 2 above. ($170-$150-$20=0)

6) Your 23 units earn $0.475 per day during month 2, earning $10.93 per day with $8.10 going into the Reserve Fund (Monthly Fee) and $2.83 going into the "Re-Loan Fund". When the accumulated $2.83 per day in the Re-Loan Fund exceeds $25, PIPS will automatically purchase another unit for your account. (These ?Funds? are found on the View Stats page of your PIPS account).

7) During month 2 your Re-Loan Fund will accumulate enough funds to purchase 2 additional $25 units, however, the second unit won't be purchased until about the last trading day in month 2.

9) The first day of month 3, $20 goes to PIPS, Inc. for overhead and $150 is used to purchase another 6 units for your account. Your account begins month 3 with 31 units: 17+6+2+6=31. By the middle of month 3 your accounts value has increased from $425 (17 units) to approximately $850 (34 units) and the units are really beginning to come faster and faster unless you have changed your re-loan percentage to something less than 100% in order to withdraw funds. And the cycle continues.

The PIPS Advantage Over Other Programs

Once your account has reached a positive cash flow, you have the option of lowering your re-loan percentage to less than 100% and withdrawing some money or you can leave it at 100% to build your account's accumulated units up to the point where you can withdraw more money each month at a later time.

Each PIPS member has control over their financial destiny without having to recruit a single downline member and/or depending on the financial input of new members since the original loan and re-loans come from the account owner's pocket and the automatic re-loans respectively.

Last but not least, don't forget that if you have any questions, there are many friendly PIPS members on the PIPS forum ready and willing to answer your questions.


Instructions on how to change the percentage of re-loan/withdrawal

1. Log in to your account

2. Click on ?Member Hot Functions?

3. Click on ?Edit Profile?

4. Scroll down to the ?Member Loan Fund Status? section at the bottom of the page.

5. Click on the down arrow at the right end of the ?New PIPS Plan? box to drop down the selection menu

6. Click on the desired re-loan/withdrawable percentages to highlight them

7. Click on the ?Save? button at the bottom of the page

8. Your browser will be forwarded to your ?Member View Stats? page. Check in the ?Member Loan Fund Status? section at the bottom of the page to insure that your newly selected reinvestment/withdrawable percentage is correct. If it is not correct, repeat steps 1 through 8.

Last edited by proracr on Sat Jan 15, 2005 6:35 am; edited 3 times in total
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PostPosted: Wed Dec 29, 2004 12:29 pm Post subject: Reply with quote
I was wanting to know what is the maximum amount of time and when would pipsinc quit paying interest to your pips account?

proracr wrote:
There is no maximum amount of time and there currently is no reason for PIPS to discontinue paying interest on your account. Very Happy


I recently put what I had sitting in picpay back into pips. this was on a sunday... now, it does show the purchase on the "view loan fund" page.
but on the "view rol" page it's not listed - as it was on a weekend. What has me wondering is that I see no major jump in the daily ROL entires reflecting the purchase. am I reading it wrong?

joedorner wrote:
If you put in on Sunday, you will see theentryon your View Loan Fund page, on that page you can seet the startstate and mature date for the units.

Units added on Sunday start erning Monday and you won't see the difference till ROL comes out on tuesday. In general your total ROL from the ROL page will be a little bigger than your account value on the view loan fund page.

This is because of the net $20 per month fee ($170-$150 reloaned) in additiont o considering units that have expired. It is also affected by any changes from 100% reloan and withdrawals to PicPay.

For example my total ROL on 1 account is over $80K, but my current value in that account is around $64K. Difference being fees and withdrawals to PicPay.

Just watch yourdaiy ROLand it will show how many units it was calculated on, and keep in mind that there is a 2 day lag between when rol is generated, the funds are deducted for reloan, and the day those new units start earning rol.

IE: ROL paid yesterday (Monday), has the deduction for units taken out today (Tuesday) and the units purchased, which will start earning tomorrow (Wednesday) which you will see the results of on Thursday, keeping in mind that units are being deducted as they expire.

Depending onhowyou added units it can be 2 steps forward and 3 steps back, or 3 steps forward and 2 steps back.

Hope this helps.

Joe Dorner


I just noticed that my ROL amount( at the top in the ROL page) is a quite higher amount than is in my total loan fund page.
What is the difference?

NancyV wrote:
Basically the TOTAL LOAN FUND is your Principal and your ROL is your Interest. Your Total Loan Fund increases and decreases according to how much of your ROL you remove AND how many units are expiring after their 180 day earning period. You are paid ROL on the varying amount in your Total Loan Fund. Your ROL only goes up as it includes the interest your account earns each day in a running total, whether you RELOAN it or WITHDRAW it.

My total loan fund is about 1/3 of my total ROL.

I hope that makes sense...
Nancy Smile


Why are two days ROL the same?

angelrose wrote:
Units are bought Tues-Sat. in Malaysia so none will EVER start on Monday therefore Monday & Tues. ROL will always be the same unless account is 6 months old then the numbers will actually be LESS.

Check the start dates of the new units... this way you will always know how many you were paid for in ROL .... they buy the new ones after you are paid for that date... not before.

Wendy


kor69 wrote:

When does ROL Start? Why 2 same days?

Very Happy Simple to understand ROL from BOO Very Happy
boo wrote:
Very Happy hey
It took me about 4 months to get my head round it lol.

thursdays and fridays get added over the weekend (hence the double jump from fridays amount of units - if your acc is still small you probably won't notice)

ROL EARNT ON..........BUYS UNITS..........STARTS EARNING ON

monday..........................tues.............. ...........wed
tuesday...........................wed............. ...........thurs
wed................................thurs.......... ...............fri
thurs................................fri.......... .................mon
fri....................................sat/sun....................mon

So mondays ROL gets reinvested on tuesday and the units start earning from wednesday.

Was that any clearer? It's actually quite hard when you try to explain it but once that little light goes on you'll think doh!!

boo

Heden wrote:
Here is a quick breakdown:

Thrusday ROL purchases units on Friday and start on Saturday (no trading so acctually start Monday)
Friday ROL purchases units on Saturday and units start on Sunday (no trading so acctually start Monday)
Monday ROL purchases units on Tuesday and start on Wednesday

There ya go Smile

Heden

jeffjUSA wrote:
ROL is the same on monday and tuesday because:

the units bought from friday begins to earn on monday....and then the units bought from mondays ROL don't start til wed. Thus there are no new units beginning on tuesday leaving mondays and tuesdays the same.

Jeff


I've also saved some in our Singapore PIPsters Forum Site at:
http://www.pips-sg.com/forum/viewforum.php?f=11

Cheers
Cool
Kvn



Someone had previously told me that daily compounding does not begin until one's loan fund reaches $1800.

joedorner wrote:
To fully answer the question, yes compouding is daily, however, since re-loans are in $25 increments unitl a unit is added there is no compounding.

What you friend was telling you is that around $1,800 is where you start to see the effects of compounding.

IE; an account with a value of $1,800 has $34.20 per day ROL.

$34.30 - $8.10 for fee = $26.10 available to re-loan or withdraw.

At 100% re-loan you are re-loaning 1 unit a day and starteing to see the benefits of compounding.


bcb4321 wrote:
Hello,

I am new to the PIPS program and just want to get some guidance from someone as how to be most successful with this...I am planning on re-investing 100% until a certain time period but I am not sure when or how to begin withdrawing a percentage of funds. In fact, I do not even know how to check how much money I have made. I do know that when I check my ROL it shows a certain monetary amount...but I am pretty sure this does not include any interest. Could you please advise on how to check earnings or recommend the best way to learn about this. Any advice/guidance you could provide would be greatly appreciated.

Britney


Very Happy HiYa Very Happy

WELCOME To PIPs

Next Very Happy Ensure that your Account is Correct Very Happy
Goto Your PIPs Account - Left Menu:
Members Hot Functions > Edit Profile
Scroll to Bottom
Change to 100% ReLoan - 0% Withdraw
<SAVE>

After the above,
Sit back, Relax and Read Very Happy
FAQ INDEX - Please CLICK HERE

Summary:
What is Available Fund, Reloan Fund and Reserve Fund

Lets see.... AF, reloan fund, reserve fund.

Your Daily ROL is obtained by:
(Total Units * 0.475) - Fees($8.10) = Daily ROL

So if you have 1000 units which will generate ROL,
(check start dates of units)
Daily ROL = (1000 * 0.475) - 8.10
You get $466.90 Daily ROL.

Now the System sees your % set in your "Edit Profile"
% Reloan - % Withdraw
If set to 50%-50%

You get
- $233.45 goes to ReLoan Fund
- $233.45 goes to Available Fund
AND
- $8.10 goes to Reserve Fund

The system now Process your ReLoan Fund:
Every $25 buys you 1 unit - so you get 9 units for that day.
$8.45 remains in your ReLoan Fund

The system now Process your Reserve Fund:
For every monthly anniversary of your account
(around 21 trading days)
Your Reserve fund should reach $170.10
(plus or a bit below - due to number of trading days)

The system deducts $170 from your Reserve fund
And BUYS for you 6 Units
So $170 = $150 (6 units) + $20 (admin fees and charity)

These 6 units keeps your account Alive Perpetually Very Happy

Note:
If your reserve fund gets into NEGATIVE Values
Do NOT worry - It is Normal
It is due to months with LOW Trading Days.
Once it goes to months with HIGH Trading Days,
It will recover.

You ONLY Worry when your Reserve Fund
DOES NOT DEDUCT Anything
and keeps accumulating Above and Beyond $170.

Next - For Accounts ABOVE 6 months old,
We are deducted an EXTRA $1.71
This goes Direct to PIPs Charity Fund Very Happy
(that's why I LOVE PIPS - Charity work)

I think this covers everything... Wink
More Ques PM me or Post Very Happy

Cheers
Cool
Kvn


I have a question for someone more experienced than I am. I check my PIPS account every day and every day it grows... except for the last two days. I actually lost shares. In fact, I lost 14 shares and the daily income went down instead of up. Can someone explain this to me? I am just a little alarmed. I can understand, I think, potential fluctuations in the money market... is that what does this? Has anyone else had this happen?



kor69 wrote:
Very Happy HiYa Very Happy

I think it is time for a Fresher Course Wink

What is Available Fund, Reloan Fund and Reserve Fund

Quote:
Am still confused about
"Available funds"
(Amount) % reinvested
(Amount) % withdrawable
- and how one knows what the total value of one's account is.

Thanks again.


Lets see.... AF, reloan fund, reserve fund.

Your Daily ROL is obtained by:
(Total Units * 0.475) - Fees($8.10) = Daily ROL

So if you have 1000 units which will generate ROL,
(check start dates of units)
Daily ROL = (1000 * 0.475) - 8.10
You get $466.90 Daily ROL.

Now the System sees your % set in your "Edit Profile"
% Reloan - % Withdraw
If set to 50%-50%

You get
- $233.45 goes to ReLoan Fund
- $233.45 goes to Available Fund
AND
- $8.10 goes to Reserve Fund

The system now Process your ReLoan Fund:
Every $25 buys you 1 unit - so you get 9 units for that day.
233.45 / 25 = 9.338 (So 9 Units)
$8.45 remains in your ReLoan Fund (0.338 * 25 = $8.45)

The system now Process your Reserve Fund:
For every monthly anniversary of your account
(around 21 trading days)
Your Reserve fund should reach $170.10
(plus or a bit below - due to number of trading days)

The system deducts $170 from your Reserve fund
And BUYS for you 6 Units
So $170 = $150 (6 units) + $20 (admin fees and charity)

These 6 units keeps your account Alive Perpetually Very Happy

Note:
If your reserve fund gets into NEGATIVE Values
Do NOT worry - It is Normal
It is due to months with LOW Trading Days.
Once it goes to months with HIGH Trading Days,
It will recover.

You ONLY Worry when your Reserve Fund
DOES NOT DEDUCT Anything
and keeps accumulating Above and Beyond $170.

Next - For Accounts ABOVE 6 months old,
We are deducted an EXTRA $1.71
This goes Direct to PIPs Charity Fund Very Happy
(that's why I LOVE PIPS - Charity work)


SUMMARY for those who got Lost Very Happy
AVAILABLE FUND - Yours to withdraw or BUY UNITS with
RELOAN FUND - CANNOT TOUCH - For system to AUTO Buy Units
RESERVE FUND - CANNOT TOUCH - For system to AUTO Buy Monthly Units


Now we come to...
What Happens When your Units Mature

Quote:
i just had 320 units die in one day,
that was $8000.That was on the first of April.

now, b4 that, reinvested amount was over $2000 daily.

What i am wondering is,
why it takes a few days to get to that limit again.

Here, this is how it looks in my rol section:

30-MAR-05 4236 100% 0% 2,002.29 8.10 2,012.10
31-MAR-05 4229 100% 0% 1,998.97 8.10 2,008.78
01-APR-05 3989 100% 0% 1,884.97 8.10 1,894.78
04-APR-05 4117 100% 0% 1,945.77 8.10 1,955.58
05-APR-05 4103 100% 0% 1,939.12 8.10 1,948.93

what i also dont get is that on the fifth of april the units are lower then
on the fourth. I think they should be higher, since then not that many units died.

Can you put some light on this pls? And Kor, make it easy pls.. Embarassed



Points to Note:
1 - PIPs Accounts more than 6 months old - Additional $1.71 charity deduction
2 - Some Values are Estimated
(ReLoan Fund from the previous days not given by poster)
3 - This is From the Poster's VIEW ROL Page.
If using the View Loan Page, the explanation is different.
Because the View Loan Page shows Total Units.
While the View ROL Page Shows the Total Units Earning ROL.


Explanation using Poster's Input:
30-MAR-05 4236 100% 0% 2,002.29 8.10 2,012.10
Total Daily ROL = (4236 * 0.475) - 8.10 - 1.71 = $2002.29
Bought Units = 80 units (start date 01 April)
Amount carried to Reloan fund = $2.29 (estimated)

Maturing Units - 7

31-MAR-05 4229 100% 0% 1,998.97 8.10 2,008.78
Total Daily ROL = (4229 * 0.475) - 8.10 - 1.71 = $1998.97
Bought Units = 80 units (start date 02 April)
Amount carried to Reloan fund = $1.26 (estimated)

Maturing Units - 320
Added Units +80

01-APR-05 3989 100% 0% 1,884.97 8.10 1,894.78
Total Daily ROL = (3989 * 0.475) - 8.10 - 1.71 = $1884.97
Bought Units = 75 units (start date 03 April)
Amount carried to Reloan fund = $11.23 (estimated)

Maturing Units - 27 (estimated)
Added Units +80 +75

04-APR-05 4117 100% 0% 1,945.77 8.10 1,955.58
Total Daily ROL = (4117 * 0.475) - 8.10 - 1.71 = $1945.77
Bought Units = 78 units (start date 06 April)
Amount carried to Reloan fund = $7.00 (estimated)

Maturing Units - 14 (estimated)
Added Units - NONE so your Total Units remain Low

05-APR-05 4103 100% 0% 1,939.12 8.10 1,948.93
Total Daily ROL = (4103 * 0.475) - 8.10 - 1.71 = $1939.12
Bought Units = 77 units (start date 07 April)
Amount carried to Reloan fund = $21.12 (estimated)

For 6th April your Added Units = 78
So your Total Units Should Rise.

From this point on, you should be able to recover
from the Maturing Units Loss in 3 days.
Your Total Units will be way Above 4230 Very Happy

Hope this Answers Some of your Questions.

Cheerio
Cool
Kvn
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