05/03/09. Capital-4You Review and Other News

THIS PROGRAM HAS STOPPED PAYING! PLEASE DON’T INVEST!

Hi guys! For the second post today, as well as the usual news updates which I’ll get to in a moment, I want to tell you about a relatively new program I joined recently. Actually there has been quite a few of these in the last couple of weeks so hopefully as I said yesterday I can start making some headway in clearing this backlog. Today we’ll continue with Capital-4You, an online HYIP running for about the last three weeks or so.

So I guess I’ll start at the beginning and tell you about the plans. There are three plans here, all using a somewhat unusual payment feature. I say unusual but not unique. It’s a similar feature to what you’ll already find being used on NovalexFinance. Basically what happens is that you will receive two payments in return for your investment. The first one will be made five days before expiry and will consist of a lump sum containing all your profit from your chosen plan. The second payment, made on expiry will be the return of your principal. It’s quite straight forward and I’ll explain it with examples here.

The first option is called “the 10 day plan” and will pay you a total of 125% for investing for 10 calendar days. You can invest a minimum of $10 and a maximum of $2500. So let’s say you invest an even $100. 5 days later you will receive $25 and 5 days after that you will get another $100, i.e your principal.

And if that’s not good enough for you there is “the 15 day plan”. Running, as you may have guessed for 15 calendar days, a minimum investment of $50 will get you a return of 150%. Working just like the last one, a theoretical spend of $100 here will see you earn $50 after ten days and your initial $100 returned after 15. The maximum figure you can invest here is $25000.

And finally “the 22 day plan” that runs for, of course, 22 calendar days and for investments ranging from $100 to a maximum of $25000 you will earn a grand total of 200%. I think it should be perfectly clear now. For a basic minimum $100 investment here you have a chance to see a pure profit of $100 paid after 17 days and your principal returned 5 days later on expiry. There is also no need to request your payouts as they will be made automatically to your payment processor of choice. Quite a limited choice though, with only LibertyReserve and PerfectMoney being accepted at the moment.

So what about the security of Capital-4You? Well they don’t give a whole lot away on the FAQ page except to say that they are well shielded from hackers. I can tell you though that they are on a dedicated server. Hosted by who exactly is not clear but really the most important thing is that the server is exclusive to them. And obviously as payments are made directly to your account there is no script required. Hopefully I can get the admin to answer a few questions sometime soon and shed a bit more light on that.

All the usual noises we’ve come to expect are being made about Capital-4You being staffed by investment bankers and a registered company in Mauritius. Anybody ever register a company in a cold country, lol? But as you know I’m quite skeptical on such things and out of the literally thousands of HYIPs I’ve come across in my years in this industry I am still waiting to meet an investor who has actually seen the inside of any office. In the case of Capital-4You the investment bankers in question even managed to spell the name of their former employers wrong. But you know what? It’s not all bad either. I’m actually a lot more impressed with the fact that Capital-4You managed to so successfully survive the recent prolonged downtime from LibertyReserve and have paid everyone in full. Especially considering that LR is one of only two accepted payment processors. Many other programs in the same position simply folded, and to me that is a much stronger selling point for Capital-4You than some old waffle about “derivative securities” and the “ForEx market”. As with everything else in this industry, treat it like a game and use your head. This one appears to be run by quite a competent admin and in safe hands. A modest investment as part of a diversified portfolio might not be so bad in this one.

Other news for today.

It seems not much has changed in the HYIP and autosurf world and so sorry to admit that three programs turned into scams as they could not survive the LR crisis and consequently had to close. This is just my speculation of course because the admins of BVIuion, IntensifyFunds and NordicMutualFunds keep silent and they didn’t give any explanation on what has happened with their programs. So I consider them as confirmed scams and moved them all to Not Paying status on my monitoring page.

It seems the competitors of LibertyReserve didn’t stop their attempts to bring it down after all the technical problems seem to have been fixed. The forums are flooded with posters bashing LR but 99% of them are paid posters for sure. There are different articles linking LibertyReserve with the most dangerous criminals and one can believe in these stories which might be true to some extent. But do you really believe that PerfectMoney and other so called anonymous e-currencies are safer than the already tried and tested LibertyReserve? You can’t be on the safe side when dealing with any payment processor and LibertyReserve is no exception. Just follow the golden rule and don’t keep all your money in one payment processor be it LibertyReserve, PerfectMoney or any other e-currency. There is no 100% safe option when keeping your money online rather than your bank account therefore I would be quite skeptical regarding the rumors most obviously coming from LR competitors and not panic as I’m aware that LR can’t guarantee 100% the safety of the funds (and any other e-currency can’t either). That’s why I advise you to stay calm and don’t become a victim of speculation or some outrageous lies spreading on the forums regarding LR now. Anyway, you should better read the official position of LibertyReserve administration:
“For those of you who may have seen some bizarre and ridiculous rumors about our system having any security instances – please be aware that those ARE in fact rumors.
Our members were a target of many recent phishing attacks that resulted in some of them clicking on malicious links in e-mail or visiting a malicious web site to provide or update any account information, against our numerous warnings. Once your login information is compromised, malicious users can have full access to your account and to its’ features, including adding and using API. This has nothing to do with the security of API, as all actions are taken from within a user’s account. Please be aware that LibertyReserve will NEVER send out any confirmation, validation or any other e-mail or link to any of its’ account holders.
The best way to remain secure is to educate yourself, install the latest anti-virus software (and keep it updated), install the plug in Liberty Guard, that will help you avoid many phishing web sites. Still NEVER click on any links. One more thing that would help is to check your account information, to make sure it stays current and to update passwords to your on-line banking, e-mails and other places where you have an on-line account at least once every few months. Use different passwords for each and everyone of them.
As for the security of LibertyReserve, you can rely on many years of experience and on reputation that LibertyReserve, McAfee, Prolexic, Cisco and many other “best of the best” companies that LibertyReserve has assembled around its’ company to make sure that security of your account will not only be on par but exceed most on-line banks. LibertyReserve – experience you can count on, safety you can rely on, financial fortress you can feel safe in.
Exchangers update: Please note that we no longer authorize the following exchangers to conduct any business with LibertyReserve due to trust, fraud, numerous unanswered complaints, and other concerns: w-777.com, wmoney.in.ua, trainexservice.com or any other businesses associated with them.
If you will see those web sites still operating with LibertyReserve, they are doing so in violation of our Terms of Service and your LibertyReserve funds may be at risk with them.”

SolidTrustPay is currently down for several hours already and this is the message you can see instead of the site:
“SolidTrustPay is adding new security features. All updates should be completed within the hour.
Please note – SolidTrustPay is doing maintenance on our website and will be back online shortly.
Access to the site may be intermittent. You may be asked to contact our support department if your login is not successful after the updates have installed.
Thank you for your patience and if you have any questions or concerns, please contact us.”
I hope STP will be back and fully functional soon. I would not like to think that the same thing that happened LR might switch off STP for several days. We will wait and see what happens with SolidTrustPay soon.

The admin of ProjectSurf (reviewed here) Frankie sent out another update where he temporarily announced that StrictPay would not be accepted on his site until further notice. Here is the update:
“Hello Everyone, I just want to give everyone a quick up date – Members can now upgrade with AlertPay as I am business verified with them. It seems StrictPay is having some issues with their ACH dept. they are currently in the works of switching clearing house merchants so ACH are disabled from incoming. I have disabled the StrictPay for the moment as I rather wait till everything is running seamlessly with them before I enable it. I really don’t desire the need for two e-currency merchants anyway but I will take request from my members and I will turn it on when SP has everything worked out if necessary so don’t worry.
As I mentioned to everyone in my last e-mail you are going to see a lot of Surfs and HYIP closing soon as a result of high scrutiny AP and STP are doing with these types of programs so be careful and play your cards right with them for the next few weeks.
SurfNLive was already one of them. I have been paying out quite a few people so if you are one of they please support us in the forums. I want ProjectSurf to dominate the surf world and take this industry by storm to be were it belongs! So Much More to Come.”

FloatingFastProfit (reviewed here) still seems to be fast with payouts and I just sent my questions for the interview yesterday. Hopefully the admin will answer them soon as he seemed very enthusiastic. We’ll see if that interview is good which is really depends on the admin’s abilities to explain his position clearly. Anyway, it seems FloatingFastProfit is doing great except the as yet unsolved and seemingly eternal problem with hyip365 spammer of which the admin of FloatingFastProfit said in his recent update published on the site:
“ATTENTION! The FloatingFastProfit project is under spam attack! Some person tries to blackmail us again. Person name – hyip365. I think, this person is representing one of the monitor site associated with name – hyip365. This person sends e-mails with a messages what we must buy a listing on his site, otherwise he start to post bad votes on monitors. Don’t trust this person! Don’t trust bad votes!”

Here is the list of programs that paid me today: ProjectSurf, Pioneer-Fund, GoldNuggetInvest, MesirowFinance, 13x11Pro, SilverLodge, ComradeFinance, AcrylicTrade, FloatingFastProfit, Nova-Surf, 4BrothersInvestments, UCGCapital, AsianInvestGroup (the first payment received) and EnscoOffshore (the first payment received). By the way, I moved both AsianInvestGroup and EnscoOffshore that were presented on my blog yesterday to my Personal Favorites list. I believe both programs will become great performers in the near future and I will review them on my blog very soon.

There are three more HYI programs I’m ready to introduce to you today. The first one is CashDispenser that launched a week ago. Unfortunately it was hit by LR downtime and it seems the program has only just started to build up some steam now. CashDispenser has a good design, licensed GoldCoders script and Dragonara DDoS-protection – all the things needed to become a successful program. There are three investment plans available in CashDispenser: 1.5% for 90 days (for the deposits starting with $10 to earn up to 235% profit including principal), 1.7% for 120 days (for the deposits starting with $1,500 to earn up to 304% profit including principal) and 2% for 150 days (for larger investors ready to risk $3,500 or more with the possibility to earn up to 400% including principal). You may deposit in CashDispenser using LibertyReserve or PerfectMoney account and you will be paid your interest every day (7 days a week). Your deposit will be locked for the period of your investment term and will be returned to you after your investment plan expires. Read all the details on CashDispenser in my review coming on my blog soon.

The second program I would like to present to you is GeneticsIndustry. Well the name obviously implies investing in the genetics research industry. There is no proof presented on that of course so just treat GeneticsIndustry just like an investment game. But quite a quality one I must say – using licensed GoldCoders script and SSL-protection of members’ accounts. You can make a deposit in GeneticsIndustry only via LibertyReserve and the minimum allowed is $10. After that you will be paid 1.5% forever until you decide to withdraw your principal. That right will be given to you after 10 days of lock-in period with absolutely no fees involved. I guess it’s always a good choice for professional investors that want to manage their accounts how they desire. If you don’t like to withdraw the principal from your GeneticsIndustry account you will be break-even in 67 days. The program has been online for 17 days and I believe it’s still new and promising. The details as usual can be read on my blog soon!

The last and most interesting one in my opinion is Tradirex. This program started just 10 days ago and can still be considered new. The plans are standard and are paid on expiry: 109% after 5 days, 122% after 10 days and 145% after 15 days – the longer the term the higher the risk and the sweeter the reward. Tradirex is hosted on dedicated server with SSL-certificate installed and DDoS-protection by DdoSWiz. They are using GoldCoders licensed script. The design is quite good too and the plans are quite reasonable so the program may be running successfully for a while. But the most important option in my opinion is the variety of payment processors accepted by Tradirex: among quite regular LibertyReserve and PerfectMoney we can deposit also via StrictPay and even SolidTrustPay. As you know STP option is quite rare when it comes to HYIPs that’s why the program got some attention from the investors. I believe it will also help Tradirex to become a success as well as the small minimum of $5 to deposit in all three plans. The first payments on expiry have been processed already so I will review Tradirex on my blog very soon. Stay tuned for that and I’ll see you all tomorrow!