Recently I updated my Top 7 list of the most recommended programs. I decided to do so after some reflection and careful analysis of the current state of things with the programs listed on my blog. So I decided to remind my readers about these programs and why they are listed in my Top 7.

1. BristolCapitalGroup. The first program on my list now is BristolCapitalGroup - a low ROI program with the plans starting from 1.5% for 90 days with principal return and the minimum to invest is only $20. Having original and customized script with SSL-protection and being hosted on the leaders in anti-DDoS protection BlockDos servers BristolCapitalGroup is surely a great choice for an online investor looking for the safe haven for the investments. Being online for only a month BristolCapitalGroup has already became one of the most popular low-ROI HYIPs although it’s not new when it comes to investments. The program is legally registered in Great Britain since November 2006 and this fact surely adds some credibility. Constantly developing its features (extending the list of payment processors accepted, introducing compounding option etc.) and growing in popularity allow me to say that BristolCapitalGroup is a perfect way to invest your money and is certainly is here for the long haul. You can read more details of BristolCapitalGroup in my interview with the admin published here.

2. Tradelite. The second choice is Tradelite - a program that is widely known now and nedds no itroduction unless you’re a newbie in this industry. It was clear from the beginning that Tradelite was going to become a huge program with hundreds of investors spending thousands of dollars. Starting in April Tradelite could achieve such great results by offering a customized investment platform to its investors with an option to deposit in three main plans: 118% after 20 days, 147% after 40 days and 194% after 60 days. Of course, Tradelite wouldn’t be so popular if it didn’t offer instant withdrawals, the possibility to instantly receive your cancelled contract with a 10% fee applied, superb protection provided by BlockDos and official registration documents and an office in the Republic of Panama. I must say that Tradelite is aimed only for serious investors and I mean serious when it comes to the minimum of depositing in Tradelite which is $50. But I can honestly say that such programs like Tradelite are a real rare find in this industry. When it comes to the original plans and the concept and the flawless performance Tradelite is definitely stands out from the crowd. You can read more if you like in my interview with Tradelite project coordinator Martin Mitchell published here.

3. UniCreditInvestment. Number three in my Top list is given to the short-term program UniCreditInvestment. And it’s not only because of the stable plans it offers: 13%-14% for 8 days, 120%-128% after 8 days or 130%-144% after 10 days. And it’s not only because of the licensed GoldCoders script and DDoS protection provided by BlockDos. Mostly it occupies such a high spot on my list because of the experienced and dedicated admin Ingrid who really did her best to pull UniCreditInvestment out of so much trouble in its early days on a previous hosting with a corrupted database. So she was not only able to do it but Ingrid managed to take her program to a higher level. Everybody knows in this industry that if an admin strives to make her program better, spends so much time, money and effort on achieving great results, providing the fastest support and response to all the members’ queries it will definitely lead to growing popularity. In my opinion such a program as UniCreditInvestment can become a model for all short-term programs that want to achieve the same success. Of course, Ingrid was a very nice person and she answered all my questions properly for the interview published here.

4. CapitalizedInv. Another program from an experienced admin that once had a great program that ran for 4 months is CapitalizedInv. The admin Paul invests the money collected as capital for bulk buying of gadgets such as mp3, mp4 players, optical mice, and more cheap gadgetries. From the profits he pays the profits for the members of CapitalizedInv which varies from 6%-7% for 20 days to 110% after 12 days. In Paul’s opinion these profits will help him sustain the payouts in the long term. You can actually read more about CapitalizedInv by reading my interview with Paul published here.

5. EliteMoney. EliteMoney is #5 on my list because it’s the first program that offered direct payouts (no withdrawals) to the e-currencies it accepts. Moreover, it gives you an opportunity to track your deposit by allocating a unique ID to it when you make your investment. Now you can be sure that you will not lose any earnings and will always keep track of your investments. From 15 different daily, weekly and monthly plans EliteMoney offers I’m sure you will be able to find something that will suit your needs as an investor. If you want to find out more about EliteMoney and the plans it offers including my detailed analysis please refer to the review published here.

6. SafeAtom. SafeAtom is one of the most popular programs now because you have the opportunity to increase your money tenfold from it if you apply the rules of compounding that were highlighted in my article published here. The only drawback I can see here is that the program is online for 5 months which certainly decrease the chances to be in profit. Apart from this 2% for 150 days, 5 payment processors accepted and stable work without any major interruptions are the definite advantages of SafeAtom. I just hope SafeAtom will last for some time that will allow us all to make some good profit with them. You can read the review of SafeAtom on my blog published here.

7. MaxShare. MaxShare is a stable autosurf with a dedicated admin that has been running 5 other sites, some of them for more than a year already. Maybe this fact allowed him to set up such a low rate of 3% for 40 days and still stay popular. Today MaxShare added AlertPay to the list of the payment processors they accept. So if you have an AlertPay account but didn’t have the opportunity to join MaxShare yet you can try it now. I remind you that MaxShare is an autosurf with controllable growth and every week the maximum to deposit is increased by $10. Starting this Monday the maximum to deposit is $105. You can read more about MaxShare by reading my detailed review of the program here.

Very close to making it into my Top 7 were AgriFund, e-Confidence and LargeSum. They are really great programs as well and worth a look. You can find out more about AgriFund by reading my review here, e-Confidence review can be read here and LargeSum review was published here.

By the way, today I joined another potentially great program which I’m sure will soon occupy a place in my Top 7. TrustyPig is an autosurf based on a profit-sharing model with the possibility to earn 130% on your upgrade and the maximum is 13% daily. Profit-sharing is not really what I like nowadays but I just couldn’t miss such a quality site as TrustyPig and I will explain to you why in my review of TrustyPig that will be published tomorrow. Stay tuned for that!

Unfortunately I had to move 12Daily.Pro to “Not Paying” status on my monitoring page as there’s still no news from the admin and it’s clear to me that the second round has failed to attract investors. Apart from that I received payments today from: e-Confidence, AgriFund, CapitalizedInv, SafeAtom, BristolCapitalGroup, MaxShare, UniCreditInvestment and Tradelite. See you tomorrow on my blog!

I hope you had a great weekend and came refreshed to start a new week! I certainly spent a nice couple of days away from my work and am now ready for the new week starting tomorrow. There was not really that much news for the last couple of days but anyway I would like to report everything which seemed important to me.

First of all, I’m glad to report that BristolCapitalGroup (which is #1 program on my monitoring page) started to accept different e-currencies alongside LibertyReserve. From now on you can make a deposit in BristolCapitalGroup using e-Bullion or Pecunix as well. The reasons to join BristolCapitalGroup were listed in my review of the program published here. Also you may find it interesting to read my interview with the admin of this program published here.

BristolCapitalGroup were not the only ones who extended their list of accepted payment processors. ApolloInvestGroup added PerfectMoney, AlterGold and WebMoney to the growing list of accepted payment processors. Moreover, ApolloInvestGroup is now hosted by BlockDos and this fact certainly should increase their credibility in the eyes of potential investors. So I made the decision to move ApolloInvestGroup up in my list of programs. The program certainly deserves it by constantly working on the website and adding more options and security which is certainly an obvious sign of the fact that it’s going to be online for a long time. The plans that ApolloInvestGroup offer also seem reasonable and sustainable to me. You can also read my interview with the admin of ApolloInvestGroup. The interview was published here.

As I live in Russia, WebMoney which has something of a claim on being regarded as the “national payment processor” here, intends to become the leader in the reliable payment processors list. But I think that recent decisions which were directed against their competitors will make them unpopular and lead to their decline in popularity in the long term. Here’s the update in which WebMoney published the “black list” of prohibited payment procesors:
“WebMoney Arbitration System determines a list (not limited by the titles below) of financial and payment solutions that are strictly and undoubtedly prohibited from usage/purchase/selling by/from/to WebMoney Transfer System: 1. E-gold.com 2. LibertyReserve 3. E-bullion 4. Pecunix 5. Goldmoney 6. Inocard 7. Icqmoney 8. Deltakey 9. Imoney UAH”

In my opinion, the Russian government decided to follow in the steps of the U.S government when it seized the assets of e-gold resulting in the decline and unknown future of that payment processor. Of course, this list is nothing more than an attempt to receive free publicity and an image of being fighters against money laundering. That will certainly be appreciated by Putin’s regime and Russian FSB (Federal Security Service of the Russian Federation) and probably will lead to some tax rewards. But at the same time WebMoney doesn’t think about its customers that will have now less options to withdraw or exchange their money from other payment processors using WebMoney. It’s just a game in which WebMoney will lose eventually as using the difficult e-gold situation as an excuse, they try to deal a blow to other payment processors (such as LibertyReserve and e-Bullion, their strongest competitors). In my opinion such tactics will not go unnoticed and will have some bad consequences for WebMoney itself in the near future.

PerfectMoney also made it clear to its members about discontinuing any operations with e-gold (including the adding funds to your PerfectMoney account using e-gold and withdrawing money to it). Here’s the latest update from them:

“Dear Customers, PerfectMoney system develops dynamically and we try to go ahead the whole market to offer you only the most qualitative services. We care for our clients and do our best to ring-fence them from any economic risk. For that reason the strategic planning department of PerfectMoney announces the cancellation of partnership with E-gold payment system. Such decision was caused by the situation at E-gold market where one can mark the critical volatility of e-gold as well as a drop in liquidity of this electronic currency. In view of all those facts the analysts of the strategic planning department came to conclusion that the work with such an unstable payment system can be insecure for our customers.”

I found this decision to be rational and hope that PerfectMoney will take care of their customers funds in the future as well. You can read my interview with PerfectMoney administration here and to think about opening an account in PerfectMoney using the opportunity of 0% internal fee for the year of 2008. My experience in using PerfectMoney was flawless so far.

You may have noticed that more and more online investment programs have been starting to leave BlackLotus and transfer their sites to BlockDos instead. The most recent example of such a transition was UniCreditInvestment that recently moved to BlockDos after a lot of downtime and hacking attempts to the database on their server. Since then UniCreditInvestment seemed to become more popular than before and the only drawback of this transition was a slow propagation of their DNS so the site was unstable for a couple of days. Anyway, now the site of UniCreditInvestment is as fast and stable as it ever was before (read more about the program in my interview published here).

As you can see it is vital to choose the right anti-DDoS hosting properly for any online investment program. And if you don’t want your database to be stolen and your site to be DDoSed on a regular basis you should stay away from Blcc hosting (BlackLotus). In my opinion, BlockDos will be the perfect solution to be hosted on for any online investment that is serious about being DDoS-protected and which would like to stay online for a longer time without any issues. That’s why I made up my mind to conduct an interview with BlockDos administration and publish it soon on my blog. The investors may find it interesting as well because paying attention to the hosting company should be a priority when evaluating the quality of a website you’re researching before putting your money in it.

All the programs monitored by me are going great except two: 12Daily.Pro and ProfitsAddict. As for 12Daily.Pro it’s delaying the payments without giving any reason for it and some members have been waiting for their withdrawals for a week already. In my opinion, it’s a really bad sign and I will move the program to “Not Paying” if there’s no reason for this offered by tomorrow.

Regarding ProfitsAddict the program decided to close and I would not get too excited about the so called “promised refunds” as the program was known for paying selectively to only investors with small amounts while stealing the money from the big investors. Anyway, since my work is to provide you with some updates I should give you an update which was published on ProfitsAddict site so you will be able to try to get at least some of your money back even if the possibility is a bit slim in my opinion:

“Please contact profitsaddict@hotmail.com for your principal refund. Please provide us your transaction batch number (Full detail) your username and your email address, refund will be processed as soon as we check your valid transaction and divide the amount we have left with total member deposit. If you are in profit with us, please don’t bother to ask refund, only some investor who lost money on this program will receive refund. Some members may only receive 50% of their principal back, some may get more, depends on amount left on our program. There is no need of explanation why program was closed, cause it will sounds like very lame excuse!! Good Luck!!”

Other programs seem to be doing well and I received the payouts from the majority of them including: Tradelite, BristolCapitalGroup, MaxShare, ApolloInvestGroup, AcmosTrade, SafeAtom, LargeSum, e-Confidence, AgriFund, EliteMoney, UniCreditInvestment and CapitalizedInv. I hope your weekend was as great as mine and I’ll see you on my blog tomorrow!

Hi, guys! Today I would like to introduce to you Paul Shinn, the administrator of CapitalizedInv program. It seems to be gaining more popularity every day. What is so special about this program you might ask? Well, I’ll let you decide after you read the review of CapitalizedInv that was published a couple of days ago here. In my opinion, such programs like CapitalizedInv are a really rare find in the deep jungle of online investments where it’s hard to have real trust in any admin. So I’m glad that Paul found me himself and suggested I monitor his program. After careful studying of his past experience I agreed of course so today I would like you to read the interview with the admin of CapitalizedInv program.

“1. Please introduce yourself to my readers. Do you have any experience in running your online programs?

Hi. This is Paul Shinn. I am a businessman. I do any type of business to produce profits. I do have experience because I ran t3invest.com before.

2. Please tell us about your first program in detail. Was it successful in your opinion and what were the reasons for its closure?

I can consider it successful, especially because we were able to roll quite a good amount of capital deposits and produce profits. Unfortunately, one day my partner decided to run away and swindle me. Luckily, there was only a fairly small amount that was lost and we were able to produce a lot of profits for 95% of the members and no one really lost a huge amount. If you notice my signature in MMG forum, you will see that I am pointing out that there is always a risk no matter how real an investment is. In my situation it was my partner who caused the failure. So now, I am doing this myself and only myself from now.

3. What lessons did you learn from running your first program and why did you open CapitalizedInv?

Since I have gotten back on track on my investments and entered a new side of the investment industry in my business area, I decided to open a new program to offer this chance to make profits with me in this business I know of. I did learn how to try to centralize everything to myself so limiting risks only to possible theft of funds. Which is not likely to happen.

4. What plans does CapitalizedInv offer to its investors? What is the minimum and the maximum to deposit? Is compounding allowed? Do you think the plans will be sustainable in the long run?

It is actually not the plans that will mainly make my program stable but the actual investment we are doing to make profits for your deposits. But the medium-term plans will give us space to make more profits with the capital in hand. We have 2 plans right now.

One is 6% - 6.5% - 7% per day for 20 days, depending on the amount you deposited, range is $5 - $1,000 maximum for this plan.

The other is the 110% after 12 days. This one has a minimum of $50 and maximum of $500 deposit. This one pays after the maturity of your deposit which is 12 days. The good part here is that you will profit already after only 12 days compared to the daily plan.

There is no compounding option. You may make multiple deposits anyway.

5. What outside income if any do you have to sustain the payouts to the investors for a long period of time?

As explained when you click the plan names in the website.

The daily plan (6-7% daily for 20 days) - This is the previous investment we were doing in T3Invest. We invest your money as capital for buying in bulk of gadgets such as mp3, mp4 players, optical mice, and more cheap gadgetries.

The 110% after 12 days plan - This is the investment that pays after 12 days. Your investment will be used to backup some purchases made by small businesses and they pay us within 11 days, but give us 12 days total to complete 110% of your investments.

As obviously described in the 2 plans above, we invest your money in the market and loans.

6. What e-currencies does CapitalizedInv accept and do you have plans to add more payment processors in the near future?

At first we accepted E-Gold but they are becoming a pain in the butt already for our type of business so we decided to remove it and just accept AlterGold & LibertyReserve. Some members suggested that I add PerfectMoney but I am not sure yet. What do you think?

7. Why did you choose to run your program on GoldCoders script? What hosting provider do you use and does it have some anti-DDoS protection?

We all know that GoldCoders HYIP Manager pro is the best HYIP script around with all the features I need to run a good program. My hosting is with NVHServer and we are protected from DDOS attacks. I seriously think that DDOS attacks are nonsense as long as I keep in touch with everyone, besides downtimes of websites wont affect the real investments involved so why be scared of them, right?

8. Have you planned some advertising campaign for CapitalizedInv? What sources will you rely on in making your program known to your potential investors?

Paul you know what? I seriously think you are helping the program very well already and you know that. I don’t think expensive advertising is needed unless I am desperate, which I am not. So let the members do what is needed. Besides you don’t need to have a deposit in order to earn referral comm. 2.5% is not bad, right? But I won’t mind advertising more if I am able to produce some good funds in the coming days from my own investments too.

9. For how long do you intend to run your program? What will happen if your business fails? What are your plans for the future?

If all else fails and the risk overtake us, I take full responsibility and I will come up with the funds needed to pay the full interest and profits. When there is a real investment involved there is no worry that we should have. Though time would always be a factor. And that is reality.

10. In your opinion what differentiates CapitalizedInv from other online investment programs?

CapitalizedInv sets the bar high because we are doing real investments, though there are still risks but not risks to lose but risks to the production time of profits. I, as your administrator and project manager think that processing withdrawals in a quick manner giving the depositor / member the chance to reinvest or redeposit to make more profits will make CapitalizedInv a better program compared to the rest of the HYIP websites out there.

11. What would you like to say to my readers to make them think about depositing in CapitalizedInv?

In everything, I want to always tell everyone to just try it out and see if a program with real investments makes you feel better being part of it, compared to being a member of other programs out there. I am also easy to deal with, talk with, interact with, so just visit the forums or send me an email and I will get back to you the soonest I can. I am sure that will make you feel more comfortable that I am always in touch and quickly react on things and respond to questions the same way I answered this interview.

12. What is your opinion of my blog? Do you think it’s necessary to provide daily news and reviews for online investors?

To be honest I first saw your blog just 4 days ago and I was amazed to see how well organized and transparent your reviews are. Transparency has always been a big factor to your credibility, which I think you have already built a long time ago. Thanks Paul for the wonderful opportunity to be part of your blog. Funny how we have the same first name, Paul!”

I would like to thank Paul for his extremely fast answers to my interview and wish him good luck with his program and his investments. I will always support such dedicated admins like Paul and keep spreading the word about them on the pages of my blog. I really hope that CapitalizedInv will be as successful as Paul’s previous program and will bring us all some good profits. Anyway, the program has all the necessary features to achieve much in this industry.

By the way, don’t be surprised if you noticed some changes in your CapitalizedInv account because, as stated by Paul, he had to reset the database hence the changes. I’m sure this small mess will be cleared up soon though. Here’s his latest update:
“Our Database was reset to a few hours older one because my database backup tool had a bug and it overwritten the current one with the old one. Please sign up again if you did in the past couple of hours.
If you made a deposit in the past couple hours and you don’t see it now please contact me. Also if you made profits and referral commissions too and don’t see it now please contact me. If you requested a withdrawal and you don’t see it in pending now and you see it in your balance again. Please request it again.
If you had a downline who signed up and his account is not here anymore, please have him sign up again and contact me if he made a deposit and don’t see it now.”

I will see you on my blog tomorrow or on Sunday! I’m not sure yet because I may take a day off work and concentrate on entertainment a little. Have a good weekend, everyone!