05/12/2011. LifeTimeProfits Review and Daily News from the Industry

Beware! LifeTimeProfits has stopped paying! Do not invest there!

Hello everyone! I hope you all had a nice weekend are are looking forward to another week of opportunities in the world of online investments. I think we all agree that the general consensus among investors – experienced investors anyway – is that December is not always the most stable or reliable time in the HYIP industry, and that’s probably an understatement. That’s not to say there isn’t as many new programs out there, in fact there’s as many as there always is, it’s just that for reasons well discussed elsewhere you need to be even more selective about what you choose to get on board with at this time and what you pass on.

One of the new programs added to the MNO monitoring list over the last few days has been LifeTimeProfits, which is a mid to long term program that just opened a couple of days back. So before the day’s news stories I want to take a close look at what they offer investors. While I know some of you might be taking things easy as regards investment for a while, take a look and see if LifeTimeProfits is one of the ones you might consider adding to your portfolios.

The investment plans are simple enough, and nothing we haven’t really seen before. Basically depending on how you look at it there’s just one of them, with three variations based on how much you’re prepared to invest. But no matter how much that is what you’re offered remains a fixed daily interest payment for the plans duration, with your principal already factored into the payments so does not get returned at the end of the term.

So starting with the first option, called The Beginner Plan, you can join LifeTimeProfits for a minimum spend of $10. the plan – like all the others – runs for a term of 50 business days, which is ten weeks. For anything up to a sum of $1,000 you receive a daily interest payment from Monday to Friday of 3%, which allows you to complete the term with payments accumulating to 150% in total. Your principal has already been factored into that so it’s your own money back plus 50% profit. Perhaps a more important statistic however is that LifeTimeProfits needs to make 34 consecutive payments (which is just a day short of seven weeks) before you break even and start counting the profits.

I guess a lot of investors will probably lose interest in the program beyond this point due to the high price of joining. The second plan for example, called The Standard Plan, sees LifeTimeProfits require a $1,001 minimum deposit, though the investment term still runs for 50 business days. Interest payments are made from Monday to Friday at a rate of 4% per day. By the end of the term that all adds up to a total of 200% which already counts your principal as part of the payment. So in other words that’s double your money by the end of the term after you should break even after 25 business days (five weeks). Maximum deposit in this plan is $3,000.

And finally for the big investors prepared to risk $3,001 or more in LifeTimeProfits (maximum spend is $100,000 so for all intents and purposes there’s no real upper limit to what you can spend) there’s The Ultimate Plan. Like the others this will also run for 50 business days, making daily payments from Monday to Friday. If you’re interested the rate goes up to 5% this time, allowing you to complete the term with 250% in total payments. So that allows you to break even after 20 payments (four weeks) and, as LifeTimeProfits already include your principal as part of the payments, allows you to finish with 150% total profit on top of your own money.

I should point out at this time that investments can be made using either dollars or euros in LifeTimeProfits. I’ve just decided to talk in dollars because I know that’s how most readers play, but for anyone with euros in their LibertyReserve or PerfectMoney accounts then the option is there for you if you want it. And that covers the only two payment processors used by the program as well. Not a great choice but found on almost every HYIP anyway and fairly standard for higher risk programs like LifeTimeProfits. So as with all your dealings with these processors, all transactions are final so refunds and chargebacks will not be considered under any circumstances. Which makes it imperative that you only spend what you can afford and never do anything you may change your mind about later. Payments are made manually and so need to be requested from within your members area. Once done the admin requires a maximum of 48 hours to get everything done, however keep in mind that Saturday and Sunday will not count.

LifeTimeProfits is hosted on a dedicated server with GeniusGuard protection and is running off a licensed GoldCoders script which should be familiar to the majority of investors. If you need to get in touch with the admin for any support or account related issues then you can do so by filling out the ticketing form on the contacts page and submitting it. And as part of a growing trend in the online HYIP industry LifeTimeProfits have also opened a Twitter account and a Facebook page. Handy things for keeping up to date with the news from the program of course though personally I think never a substitute for what you should find inside your own account area in any program you join.

Texts are original but that’s not really a big deal in this instance as they give next to no information about LifeTimeProfits or the business (if any) behind it. They describe themselves simply as “an investment firm” without any further information. I would expect a little more transparency from an actual financial company, so best to regard this one as you would any other online HYIP you come across in the industry this month. How you play it is up to you of course, it being your money we’re talking about here and not anybody else’s. So think it over carefully and if taking it any further remember not to go beyond a sensible and affordable spending limit, and not just for LifeTimeProfits but for any program you find online, and try to keep a more diverse portfolio without too much emphasis on any one program.

DAILY NEWS FROM THE INDUSTRY

First off I’d like to issue another warning about a fast scam called SingInvest. Unfortunately the program didn’t quite live up to expectations and has collapsed after a little over two months thus leaving all investors at a loss. It’s very possible it was hit hard by the blocking of their account by SolidTrustPay a few weeks ago but the admin possibly didn’t want to spread any bad news about the amount of money involved which might have been significant and kept paying out of his reserves even to those who invested in SingInvest originally via STP. Anyway, the program scammed earlier than many expected. We don’t know if this was the original plan by the admin or things simply didn’t work out as intended. Please note that SingInvest stopped paying two days ago and because the admin failed to reply to reasonable complaints today I had to move the program to Problem status on MNO. Do not invest there anymore!

Disappointingly, the new plan which was recently unveiled by the oldest long-term program online – ReProFinance (reviewed here) – in the previous newsletter will be out of reach for almost all the investors as the minimum is set to $10,000 which can be deposited via LibertyReserve, PerfectMoney, AlertPay, or directly via Bank wire or Credit card payment. Needless to say such high deposits in any online investment programs will not be recommended by me, especially when we are talking about such old performers like ReProFinance paying for over 550 days now. The risk vs. ratio reward is in no way justified here when we analyze the new Regatta special plan paying 2.2% for 60 business days with principal back on expiry, especially when we compare it with two regular plans offering similar returns for much smaller deposits and slightly longer investment terms – 1.6%-2.3% for 90 business days and 1.8%-2.5% for 180 business days with principal back on expiry. Of course the shorter investment term can be tempting for big investors looking for higher and faster profits but should although keep in mind the recent actions of the admin in promoting a Caribbean conference to to be held in the end of January which may not happen at all. I’m waiting for a reply from the hotel and the supposed insurance sponsor, however from my many experience in the HYIP industry I find it highly unlikely that any such conference will happen. Most likely it’s an advertising ploy created by the administration of ReProFinance (interviewed here) in order to gain confidence of the large investors who together with the new plan offering higher returns for shorter periods may mislead you into thinking that ReProFinance is a real investment company which it isn’t. Please remember that despite the continued payouts HYIPs don’t last forever, and surely you must be skeptical about launching new plans, especially during such a downturn in the industry. Anyone looking for more details regarding the new investment plan for high spending investors can read the update posted today on ReProFinance‘s site or quoted here:
“It’s time for new investment opportunities
ReProFinance introduces the new series of investment products coincided with corporate activities of the company by launching of a new investment fund Regatta plan.
We succeeded in offering our investors the highest possible interest in the medium term, achieved owing to the effective bullish trading strategy during pre-Christmas and Christmas rally on the financial markets.
The new investment plan offers the following profitable conditions:
Minimal deposit ($ or €): 10 000*
Interest (60 days): 2.2% daily
Total Return (60 days): 369%
Principal back: Guaranteed
Owing to a new investment plan Regatta the investors will be able to increase their profit before Christmas and New Year and ensure not only a successful shopping before the holidays but also a fascinating leisure during the Caribbean conference in the Dominican Republic.”

It looks like HyperCompound (reviewed here) is kinda consistent. Almost unstoppable in fact in its desire to translate the website into the highest possible number of languages. Today the admin (read my interview with him here) announced the 15th language version – Czech. HyperCompound offers instantly processed payouts to LibertyReserve and PerfectMoney from $1 and higher deposits on 1.5%-3% + bonus interest for 100 business days with principal paid to you anytime on expiry of your investment term with the program. Profitable in any language! In my opinion, HyperCompound proved already that even a program paying quite moderate returns but keeping an original investment concept could continue for five months and beyond and even survive Christmas. Well, consistency and admin’s determination in going forward and are two very important factors which have become almost a trademark for HyperCompound at this stage as shown in the last short update posted on the website today:
“HyperCompound website is now available in Czech
We are pleased to announce that our website is now available in Czech! More languages will be available soon.”

It seems to be a bit early to talk about Christmas and New Year holidays but the admin of APEnergyInvest is already concerned about the clarification of the working schedule during the holiday season. This was the main topic for the latest update posted on the website of APEnergyInvest today:
“Christmas & New Year Trading
Interest will be paid everyday throughout the holiday season. Withdrawals will also operate as normal. On Christmas Day, Boxing Day and New Years day, our Support Team will operate restricted service. It’s a bit early, but Happy Holidays to all our Investors!!”
APEnergyInvest was reviewed on MNO here. It pays instantly to LibertyReserve and PerfectMoney on three investment plans with principal returned on expiry of each – 1.9% for 30 days, 2.3% for 180 days, and 2.5% for 365 days. Despite being so new APEnergyInvest has managed to become quite a popular and I must say successful program already regardless of the annual Christmas downturn. We can’t predict for how long the program will last but with the admin’s dedication I believe it has a serious chance to become a major industry player in 2012.

Here is the list of the programs that paid me for the last 24 hours and remain on Paying status with MNO:
FreedomReserve, EVBusiness, HYIPInnovation, WorldwideCapital, ForexReflex, BaseBucks, Royalty7, TradeQ, BonusPayMe, TopsFund, APEnergyInvest, HyperCompound, SolidForexLtd, StableProfit, PaidJack and ReProFinance.

That’s all I have to report for today, guys. Hope to see you all on MNO tomorrow with a detailed review of the new program RiskCapitalFund and more daily news from the industry. See you all then!