04/01/2010. InvestJoy Review and Other News

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

Hi guys! I hope the first working week of 2010 sees you all well and rested and already counting down the days till next Christmas! Now that everybody’s least favorite month of the year (in the HYIP world I mean) December is past us I hope we can see an improvement in the quality of the new programs being launched and a lot less of the more obvious scams. This previous month wasn’t as bad as many expected. I mean yes, there was a few disappointments but I can remember worse.

Shorter and medium term programs in particular don’t always start the new year (any new year) looking too well but an exception this January is InvestJoy which is what I want to look at today. I’m not saying this one is any less of a game than your average short term online HYIP, in fact there is little attempt by InvestJoy to disguise this fact, but if a high profit medium term gamble is what you’re looking for at the moment then you could do worse than take a look at this.

For one thing the timing isn’t bad. It’s obvious that the admin isn’t trying to make a fast buck to pay for his own Christmas celebrations, and of course January always sees a lot of new money coming into the business. And as the first good short term program I have seen this new year InvestJoy is in a decent position to take full advantage of that last point. I also suspect a very experienced admin at the helm which is no bad thing either. Judging by the amount of work he has put into ensuring that his program hits the ground running so to speak, i.e it’s a fully functional working site that is ready to start taking deposits right from the very beginning and doesn’t really require that much extra work. Everything you want is there from the beginning in terms of protection and payment options which I’ll get to in a moment. But I’ll describe the plans first.

There’s only two investment plans in InvestJoy. One plan offers daily payments and the other one offers just the one payment on expiry. Both of them are reasonable options and both have their own advantages. Although the on expiry plan is the more attractive of the two, I decided to split my own deposit between both.

Here’s how they work. The first plan, Plan A, runs for 30 days. You can join for a minimum deposit of $5 and the maximum is $1000. Over the course of the plan you will be given a daily payment equivalent to 5% of your principal. Your principal will not be returned on expiry. But while there’s a lot to be said for daily payments and there is no denying that they do provide a certain peace of mind, I mean if the program collapses prematurely you’ve still managed to get at least a few bucks back for yourself, in this case you still won’t break even until 20 days in. For example, a $100 deposit will get you $5 per day. On day 20 you will have earned that deposit back and start profiting after that, finishing the plan with $150, or 150% of your initial principal.

The other plan from InvestJoy, Plan B, will generate the same profit in a shorter space of time. It too is open to deposits ranging from a minimum of $10 to a maximum of $10,000. There is a one time payment of 150% made on expiry, but this time expiry is only 15 days away. So the profit is the same though with a certain degree of increased risk. Not enough to put me off however, and essentially this business is all about risks and gambles anyway. So as I said I split my own deposit equally between the two.

Two fairly simple and straight forward plans which is what I want from a short term investment site but the payment options are as good as you’ll find anywhere. All the popular processors are accepted with AlertPay, LibertyReserve, PerfectMoney, SolidTrustPay, and StrictPay making up the list. You are asked to allow up to 72 hours for your withdrawal request to be processed but one odd little feature caught my eye that I don’t remember seeing before. For a 4% fee you can take a sort of “fast track” option and that will get your withdrawal out in not more than 12 hours. I can’t see myself using it mind, but just for the sake of testing it I might just give it a go once.
By the way, InvestJoy do not accept bank wires and explain this by saying that they are not a registered company so they can’t. Well, given the almost ridiculous ease with which one can register a company (for details see here) I would certainly never hold that against them. In fact I salute them for not doing so as it should help keep the newbies here focused on the exact nature of what it is they are getting involved with.

The design is very professional and very eye-catching. Nice graphics and a simple layout make it an easy website to navigate and it’s all explained fairly well. The hosting provider is BlackLotus who can do an excellent job and they have InvestJoy on a dedicated server. They also provide them with their highest level of protection from DDoS attacks so downtime will not really be an issue you need to concern yourself with before joining.

The script is licensed from Neversay though there are a couple of extra features thrown in for good measure. For instance after you log in to your members area you will find a ChatBox where you can leave messages, questions, etc, and have the admin or other members respond. It won’t make any more money for you but anything that improves communication can’t be bad. Another feature is the inclusion of customer surveys where you will be periodically asked your opinion on all things related to InvestJoy. Another novelty I guess but at least it shows some effort and some interest from the admin. You will also find a selection of handy security tips in your members area which is something you can reference in any online HYIP.

Any further questions can be addressed to the admin via the online support ticket submission system. He has been responsive enough so far which is not something to be underestimated either. And I hope he won’t mind me saying this but I know for a fact that the program has been well planned out far in advance of the launch date. Everything hinges on the response of you the investors but I’d be reasonably confident in both the admin’s intentions and his abilities to run a fair game.

I can only assess potential and can’t personally guarantee anything but if you get into InvestJoy early enough I really wouldn’t have too many worries about the safety of your deposit. It won’t be here forever but it should be around long enough for you to make a nice profit for yourself if you are prepared to take the gamble. The bottom line? If the short and medium term sections of your portfolio didn’t fare too well over Christmas then InvestJoy could be the remedy. No serious claims are being made about outside business investments backing them up so don’t go looking for something that isn’t there. But it’s still well worth a sensible and affordably sized deposit as part of a diverse portfolio.

Other news for today.

It’s without a doubt PTVPartner was gonna make some big headlines in the industry today. Well, it seems that for 2010 the admin of the program Garrett (interviewed here) will double his efforts on the new features that will make PTVPartner even better that before in the next couple of months. So what has he got up his sleeve?
– A new incarnation of the classic version of the PTVPartner website so it will be easier to browse for those who don’t like the newer Flash version.
– Bank Wire payout option is coming very soon (at the moment you can invest in PTVPartner only via four e-currencies: StrictPay, LibertyReserve, PerfectMoney and GlobalDigitalPay).
– New blog design and forum look that will make social connections between the admin and investors even better.
– New domain address and server will be added to ensure the safety and stability of the website and eliminate any possible downtimes.
And that’s not all as there are many other features coming soon. In my opinion, PTVPartner is definitely the brightest star now from among the medium-term programs around. The four investment plans with payouts on expiry include:
110% after 10 days, 125% after 20 days, 145% after 30 days and 190% after 40 days. Reliable daily payouts have also made PTVPartner one of the most popular programs among investors and ensured a well earned place in the Top 10 programs listed on my monitoring page. You can read more about PTVPartner in my revised review of the program published here. And to read more from Garrett himself please refer to the latest newsletter:
“Many Great Things in Store for PTVPartner…
Have you ever wished that there was a lucrative online program that would provide the features you wanted? Features like, on-time payouts, on demand support, consistent updates, regular opportunities to speak with the Administration, contests, promotions, consistent progression and an environment that simply eliminates your investing anxiety. If this sounds like the kind of program you have been looking for, then look no further because PTVPartner is fits the bill and so much more…
Here is a lineup of the upcoming new features:
A complete overhaul of the classic site... We have decided to keep the classic site intact for those that cannot use the New website, but because we don’t like the classic site at all, we will completely overhaul the classic website without the flash, so that it resembles the New website, but without the flash driven environment.
In addition to the newly created 3 level Affiliate program, we will release a very lucrative Referral Contest that pays out Daily, Weekly and Monthly on several levels with multiple chances to win.
Bank Wire Deposits and Withdraws – We know you have been waiting on this. It is coming. There are a few things left to do, including integrating the option into our system. Look for this towards the end of January.
Brand New Blog Design – We will completely redesign the Blog layout, add Twitter, Facebook, as well as others. This Blog is so much more important than you realize. Once this is up-to-par you will then see its true potential and its real value. Currently we have several controversial authors that deliver true news and valuable information which we urge you to take a good look at. Look for our blog upgrading to be completed in February.
New Forum Skin – Our forum will be remade as well to resemble the New Website. This too should be done in February.
We still will complete the new 3D website gallery, the New Video Player, our Calendar and Calculator and hope to have these by the end of January as well.
We are adding a New Server and Domain address of PTVPartner.net. We will also separate the website into 5 different servers. The database will be hosted on its own server, dot com and dot net will each be on their own and the bulk of the site will be cached on a proxy for DDOS protection and a much faster loading process. This will provide a very safe and secure website, and provide the ultimate protection for our Client accounts.
These are just some of the things we will be delivering to you in the upcoming months. As you can see, there is no program as progressive as PTVPartner… online or off!
This week’s Meetings at 3:00AM GMT on Wednesday January 6th (9:00PM CST on Tuesday January 5th) and again at 3:00PM GMT (9:00AM CST) on Friday January 8th.
Start the Experience … join PTVPartner and … Free your Life!!!
The Ultimate High Yield Asset for your Offshore Financial Portfolio!!!”

One of the most popular weekly perpetual programs that is paying 8%-10% weekly with no expiry is definitely SazaInvestments (reviewed here). Today I received an email from the admin Ricardo (interviewed here) where he apologized for the delay in replying to support tickets. As we could guess it had something to do with the festive season and the support being unavailable over the New Year holidays. Anyway, everything should be back to normal soon enough as the admin promised to get all support tickets answered and asked the members for some patience. Here is the latest update:
“First we would like to wish you again a Happy New Year. Second we do apologize for the delay in answering the support tickets. We are on the way back to the office so in maximum 24 hours from now all issues will be solved. Thank you all for your trust in us and for your patience. Regards, SazaInvestments Team”.

One of the longest running programs online is undoubtedly NanoMoneyCorp (reviewed here) which has been online and paying successfully for over four years already. It seems this coming 2010 will be no exception as they have already started work and all the payouts have been processed for today. Here is the reminder for you about NanoMoneyCorp:
They are #4 in MNO rating, have being monitored for over a year, accept LibertyReserve, PerfectMoney and Bank Wires and offer three investment plans with the principal returned on expiry: 1.2% for 30 business days, 1.5% for 50 business days and 1.8% for 100 business days. For more info on NanoMoneyCorp I suggest to refer to my interview with the administration of the program published here. And here is the New Year’s update taken from NanoMoneyCorp site:
“Greetings! Dear investors and partners.
We are glad to see you there and wish you a Happy financial year and full of prosperity.
It is our forth year online and we are going to make the best we ever had before.
Our work was full hard times but they never made us quit it or stop moving forward.
We are sincerely hope that this year would be very successful and full of interesting surprises for you.
We would like to thank all of you who was with us all these year and promise you make you really rich.
Merry Christmas and a Happy New Year to everyone!”

SantiVentures (reviewed here) added a very useful feature to their website today which will allow members to browse the site more securely. I’m talking about the SSL-certificate installation. I think the admin of SantiVentures drew the only logical conclusion when he heard my question about SSL-encryption in the interview we did (read it here). Anyway, the admin promised that SantiVentures is going to become one of the most reliable online programs in 2010. I think it’s quite possible to achieve because they offer quite reasonable low-ROI plans paying 1.3%-2.8% for 150 business days and accepting four popular e-currencies: LibertyReserve, PerfectMoney, StrictPay and AlertPay. Here is the latest update:
“Kindly be informed that a new SSL secured version of SantiVentures website is now available at https://www.santiventures.com
Our tech team have recently installed a SSL Comodo certificate in order to offer our members more advanced and enhanced data protection. If you care about your personal data protection just make sure that there is a https:// prefix when browsing our website.
SantiVentures is developing its services and aims at being one of the most reliable investment programs in 2010. Thanks that you chose us!
Kind regards, Info department. SantiVentures”.

The admin of WeeklyDividend (reviewed here) just sent a newsletter informing the members about some script issues that caused some deposits to go uncredited to members’ accounts. The admin though assured everybody that it would be fixed very soon as they are working on this issue with his programmer at the moment. Meanwhile, it seems that WeeklyDividend is getting more popular as many investors liked the perpetual plan that will pay you 1.1% to 1.5% on every business day and 9%-11% every week for the program’s duration.
More good news is that the admin agreed to answer some questions for an MNO interview and I hope he will explain how he earns money from Forex robots for my readers. Stay tuned for that! Here is the latest update from WeeklyDividend:
“This is our first newsletter and I want to welcome all new members to WeeklyDividend! We have spared no expense in creating a safe and long lasting environment where you can earn safely and securely. Our income generating methods and some of the best in the market and over time I know that you will come to really trust and enjoy being a member of WeeklyDividend.
I’m also very happy to report that we have had 3 reviews done about WeeklyDividend in the last couple of days since launch
Money News Online did review of us. You can see link to this review right on the home page of WeeklyDividend.
Now onto some business:
I have gotten a few reports of daily interest not crediting properly for a few members. We are aware of this and our programmer is working on this as we speak. Please be assured that everyone will get each interest payment that they are due. We are using a custom script and its the first time so there will be some bugs from time to time that we might have to deal with along the way. I appreciate your patience in this matter. It does not effect all member but just a few who deposited yesterday.
Thank you, ED and the WeeklyDividend Team!, “Let your capital grow”

The admin of InvestJoy (which I just reviewed above) sent out a welcome e-mail to the members of his program. I know that the program has been planned for a long time as the admin contacted me first to reserve a banner spot on MNO a month ago. The official launch was planned for Monday first but then the decided to launch InvestJoy a day early and asked me to open the threads in a couple of forums. Usually I don’t do this anymore but I made an exception this time as I found InvestJoy quite a promising program and surely it will be the first big hit among the short-term programs in 2010. Actually we can see the success already as over 140 members joined in the first 24 hours since coming online. The admin, whose name is Werner, (and who I hope to interview for MNO soon) sent out a lengthy newsletter today outlining the main program’s features mentioned in my review already, like making deposits and processing withdrawals, account types and ref commissions paid, as long as some small but nice features like a Chatbox, Site survey and Live Traffic feed. Please read the first newsletter from InvestJoy to find out more about the site’s features directly from Werner:
“Welcome to 2010, welcome to InvestJoy. This is our first day. I’m working hard to make this program the best in the entire 2010. The first hours after the launch were excellent, we did a short pre-launch during few hours of Sunday. In this moment the number of registered members is above 100, every minute more people access the site and join us.
Today is official launch, January 4, 2010. The week is just beginning, many investors are still returning from New Year’s holiday, in the coming days InvestJoy will take off. Invite your friends now, send them your referral link or they will enroll in another member’s downline and you will not earn commissions.
In this newsletter I want to introduce InvestJoy features, take some minutes to read.
Learn more about InvestJoy:
1) Features
In your member area you can see some unique features. The Live Traffic Feed in the sidebar, where you can view the location of the last members who visited the site.
Another feature is the Site Survey, we will periodically release new polls that you can respond and help us to make InvestJoy better. I count on your help answering the polls, so we will make a program more and more on your way.
You also find Chatbox. With this tool you can communicate with administrator and InvestJoy members quickly and efficiently.
Do not forget to check the security tips, it is important to keep your account information secret. The tips are useful to be safe from hackers.
2) Deposits
You can make deposits 24/7. The minimum deposit amount is $5 and the maximum is $10,000. The principal is already included in the investment plans. In this moment we are accepting: LibertyReserve, AlertPay, SolidTrustPay, StrictPay and PerfectMoney.
3) Withdrawals
Minimum withdrawal amount is $1, there is no maximum. Currently you can request withdrawal up to twice per day, it will be increased gradually during this week.
Withdrawals may take up to 72 hours or early to be processed. We usually processed within few hours.
4) Account Types
There are 3 account levels.
Trial Member – No active deposits
Referral Commission: 1% (first level)
Fortunate Member – starting from $5 active deposit
Referral Commission: 3% (first level)
Joyous Member – starting from $5,000 active deposit
Referral Commission: 3% (first level), EXTRA 2% (second level)
Remember if you are an active member with $5,000 active deposit or more you will receive 2% extra commission from your second level referrals.
That’s the basics you need to know about InvestJoy. If you want to learn more please read FAQs and Terms Of Service.
Invite your friends now. It’s time to make money!
Werner Grube. InvestJoy
P.S.: Many members invited me to participate in the MMG forum, I have not had time but I will register soon. If you need support, use the Chatbox or send email to admin@investjoy.com. See you!”

It’s very disappointing for me to report this today but it seems three programs failed to deliver the goods and are all going to be moved to Problem status on my monitoring page tonight.

The first and the biggest disappointment is StableInterest. As you might remember the program disabled the withdrawal option on their site starting from December 24, but seem to have forgotten to enable it again later. As for now nobody can withdraw from their StableInterest accounts yet. Well, I have already warned on my blog about the situation on their website when the withdrawal button was closed for over 10 days while the depositing was still allowed. Isn’t it strange that a program accepts deposits without allowing withdrawals at the same time? Anyway, I don’t know why the withdrawal button is still closed now but I could take a guess!. So I suggest to hold off from depositing in StableInterest at the moment while the situation is unclear (the live support is also offline). At least we have to hear something from the admin and I really hope it’s just a misunderstanding. I have to remove the program from Paying listing and move it to Waiting status on my monitoring page.

The second program going to Problem status now is DreamFunds. Well, I think my monitoring will be one of the first that will do so but this actually has to be done. I have three pending withdrawals already and the admin didn’t reply to my e-mails which I sent to him earlier today. I still hope that he’s boozing in some pub in England though as DreamFunds was registered in the UK. Not really a difficult thing to do that, incorporate company without even setting foot in the UK. So called “virtual” incorporation like I did here. So I suggest you not deposit any money into DreamFunds for the time being or at least till I hear some positive news from the admin.

The third program that is going to be placed to Problem status is TalixMetals. The program really disappointed many people by lasting for only 5 weeks and collapsing straight after the New Year. I got my last payout from TalixMetals in 2009 and haven’t heard from the admin since. I guess the removing of TalixMetals should have been done earlier but actually the first days of January were not business days and I was hoping that the program would resume the payouts today. Obviously that didn’t happen so there is no reason to have it on the Paying list now either. Please don’t invest in TalixMetals as it’s in Problem status!

Most of the programs listed on my monitoring page are still paying though and today I have been paid from the following programs:
GeniusFunds, XagaEnterprise, Caziroca, KobelCapital, Infinitum, ArbsFund, NanoMoneyCorp, InstantMoneyBets, InvestmentForge, HugMoney, WestFinance, FxStar, MandarinInvest, FinanceNova, Verifield, WeeklyDividend, RefMotor, Flanita, CSMFinance, AtoxFinance, AtlantisMutual, AsiaInv, MoneyPlus, Investorum, PanaMoney, OneDailyPro, RosalinFinance, ArbisPro, StarkFund, TradeZoom, SantiVentures, Vegamex, FaithInvestment, InvestJoy (the first payments received) and RichAliens (the first payment received). I’m going to update my review of RichAliens on my blog tomorrow, so stay tuned for that.

I would like to introduce two new programs that I have added to my monitoring today. Well, the first one is neither brand new (it’s started a week ago) nor original. It’s called StanbicArbitrage and they seem to have borrowed the successful sports arbitrage “story” from the very popular ArbsFund site. Really, if we have a look at StanbicArbitrage you will find many similarities including the bookmakers seals on the index page, claims of a legal registration (this time it’s in Canada) and even the same hosting provider – BlackLotus. In addition, under the Arbitrage Guide tab you will find some texts explaining how StanbicArbitrage makes money for the members via (of course!!!) sports arbitrage. The problem is that the texts are borrowed from other sites as well which makes me really doubt they are engaged in this activity at all. All in all, it looks like the admin of StanbicArbitrage just took a very successful model like ArbsFund and tweaked it a little bit to make his site a little bit different. Of course the plan is very similar and StanbicArbitrage offers 10% weekly forever though you can withdraw your principal after 10 weeks. The programs accepts quite a good range of payment processors: AlertPay, LibertyReserve, PerfectMoney and StrictPay and the you can deposit from as low as $20. I don’t like the script though as it involves quite a complicated process of funding your wallet first before actually making a deposit. The withdrawal process is also the same. It only makes what should be a simple process complicated in my opinion and the script doesn’t support the Opera web browser either. More on StanbicArbitrage will be published in my review which I’m going to post on my blog after receiving the first payment.

The second program I’m going to review soon is Eternidex. It seems this time we have something entirely more original. In fact these “sports arbitrage” sites are already starting to irritate me. Eternidex on the other hand looks really interesting and has a memorable layout. Being launched just a couple of weeks ago the program offers just the one investment plan where you will be able to earn from 1% to 1.8% for 150 days with the principal returned to you on expiry. The rate of interest you’re going to receive daily will depend on the size of your investment (the minimum to invest is $10). Unfortunately the program only accepts LibertyReserve and PerfectMoney for now though it has many other advantages. It is using a secured version of OroHyip script (which may be known to you if you were a long term member of GNI) which is strengthened with SSL-encryption from Thawte and the near perfect hosting by Dragonara on a DDoS-protected server. There should be no issues with security or downtime therefore as the admin’s choices have been great so far. In my opinion, Eternidex has quite great potential to become a hit in 2010 and sustainable plans like what they have will be a great help. The review of the program is coming on MNO in a couple of days!

Also please don’t be surprised if you see some changes to the layout of MNO blog in a few days as well. I will be changing the theme during that time and it would be much appreciated if you tell me if some features are not working properly or if you don’t like anything. I’m sure it’s time for a change for MNO to become better and convenient for the readers and I will do my best to improve things during 2010 like I promised. And so for today that’s it, guys! I hope to see you on my blog tomorrow for the most up to date news from anywhere in the industry.