Hi guys! Christmas is tomorrow (as if you didn’t know!) and just like most of you I would like to spend it with my family and friends, so there won’t be any update posted on MNO tomorrow. However everything will be back to the normal schedule on Monday when the new business week starts in the HYIP industry.

Not all the programs are going to be active during the holidays and perhaps the longest holidays should be expected by the investors of ReProFinance (reviewed here). As I mentioned in an earlier post, the program has definitely been the only program being able to survive and come successfully through the entire calendar year. The impressive 18+ months online has cemented its position as the leader in the industry. The question remains for how long more they can pay and whether it’s too late to join it now. Surely the announcement of the Caribbean conference in late January and the recently announced 10 days hiatus on payments can spoil the interest of investors who would have considered joining ReProFinance otherwise. Somebody even told me today that the announced 10 days without any interest is too long and that for the new investors it would be almost impossible to profit from the low-earning plans of 1.6%-2.3% for 90 business days, 1.8%-2.5% for 180 business days, 2.2% for 60 business days with principal back on expiry currently offered. One should take note that ReProFinance is paying on business days only and since the next 10 days are been taken as holidays it seems a lot less viable to profit. But the thing is that actually nobody knows for how long any program is going to last in this business, but those who actually noticed ReProFinance back in its earlier days in 2010 is now reaping and exceptional rewards for it. Well, it’s not too extraordinary in my opinion because with no interest getting paid during the Christmas and New Year celebrations it might actually help the program to survive a difficult slow period with significantly reduced amount of deposits from HYIP players and resume in January in a much stronger position. At this moment I don’t want to speculate and I believe everything will be clear on January, 3rd. For now I would just want to share the best wishes that the admin of ReProFinance (interviewed here) is sending to investors in the latest newsletter republished below and express my hope that the 2012 will be no less successful for everyone involved as 2011 was:
“ReProFinance gives a chance for staff to hold celebrations in the family circle. Holiday work schedule.
Today every one of us is staying at the eve of Christmas and New Year, the holidays which bring us warm times with our intimates, friends and which, of course, bring in our lives the hope for that in New Year everything will change not only in our private lives but in financial status as well.
In several days our investors in North and Latin America, Europe, Africa, Asia and Australia will raise their glasses and say best wishes to their close associates for Christmas and New Year, and we would like to come to every house of our investors to join these sincere holiday greetings. We would like to wish you confidence in the future so that you could know that the New Year would bring you stable investment business on the Internet which allows you not only make money, but also take delight in doing your work.
It is the third New Year that the international team of ReProFinance prepares to celebrate in the family circle like everybody does. In order to give all our employees an opportunity to gather with their families on Christmas Eve we set the period of December 23 – January 2 as holiday days for our traders and managers. We take much inspiration from family habits to gather for holiday blowouts and, therefore, we give every member of ReProFinance’s team an opportunity to have their days off. We are hopeful of our investors’ understanding inasmuch as within a period of December 23 – January 2 there will be no profit credited as per standard deposit plans. Bond dividends will be paid as usual (7 days per week, 365 days per year).
Starting January 3 we are going to begin a new business year while implementing new strategies of the company development which will be announced at the Conference at the Caribbean scheduled for January 26-28. But it is too early yet to bear the palm and business regatta, now it is the high time to decorate your Christmas tree.
And we, in turn, would like to wish you Merry Christmas and Happy New Year and good luck!”

If we think of 560+ days of RepProFinance as of incredible achievement then less than six months during which FelminaAlliance keeps paying to investors on 1%-1.6% for 180 business days with principal return on expiry can seem a very modest achievement. Anyway, in my opinion FelminaAlliance is a very strong contender to be one of the long-running success stories in 2012 and although they don’t plan such long holidays as some of the competition they are still sending their best Christmas wishes to all their clients. Looking back at the annual results for 2011 the administration of FelminaAlliance acknowledged that there were many things achieved during its first six months online – from the latest I can specially mention the addition of AlertPay and direct Bank wires joining LibertyReserve and PerfectMoney – and promised that it will be improving their services in 2012 as well, starting with the development of the institute of regional representatives – something that many similar programs have already done. Here is the latest Christmas update from FelminaAlliance (reviewed here):
“[FelminaAlliance] Merry Christmas!
We at FelminaAlliance Inc. would like to wish you and your families a very Merry Christmas. We hope that the new year will be prosperous and happy for you and your loved ones.
This time of the year is the right moment to look back and analyze both accomplishments and mistakes we made over the past year.
We are very proud to say that there have been more accomplishments than mistakes, but we surely admit there is still a lot to be done. As you know, we are doing our best to excel in everything we do, so we were working really hard to get the best results for your investments even in the volatile markets of 2011. We have also put a lot of effort in improving the customer service and your overall experience at FelminaAlliance. We have began creating a network of regional representatives, one of the most important tasks we will continue working on in 2012.
You can rest assured that we at FelminaAlliance are not the ones to let the grass grow under our feet. We will continue improving our services and working hard to make sure that the returns on investments we offer remain as stable as they always were.
We value every customer we have and would like to thank you for your trust and support. We hope to continue serving you in the years to come.
Merry Christmas, FelminaAlliance Inc.”

OnlineInvest (reviewed here) has also sent Christmas and New Year wishes to members and announced four days in December and January as non working days when profits would not be credited to members’ accounts. Well, since OnlineInvest pays only on business days anyway and since two of the announced days are falling on Sunday, actually the program will not pay for two extra days only. I remind you that OnlineInvest accepts all four popular payment processors including AlertPay, SolidTrustPay, LibertyReserve and PerfectMoney and pays on four investment plans with principal returned on expiry – 1.5% for 20 business days, 1.7% for 30 business days, 2% for 40 business days, 2.2% for 50 business days. The program only started a bit more than a month ago and hopefully due to its young age it will be able to surpass all the holiday period successfully. Here are the two latest updates as they were posted on OnlineInvest‘s website yesterday:
“Merry Christmas and a Happy New Year!
Hello dear customers of our site. We congratulate you on Christmas and New Year. We wish you to spend your winter holidays with a good mood. We hope New 2012 Year will bring you prosperity and happiness to you and your family. Merry Christmas and a Happy New Year!
Our schedule of work.
Also we want to let you know our schedule of work. We will not work on 25-26 December, 2011 and 1-2 January, 2012. That’s why the profit will not be added to your account and support will not work as well on that dates. Merry Christmas and a Happy New Year!”

The admin of EurexTrade (interviewed here) which is now paying for a staggering ten months already also announced his holiday schedule for the program since it’s allegedly involved in ForEx trading. I would like to remind you that EurexTrade pays variable daily returns of up to 2.9% on every business day for the period of time until the investor requests his money back. In the latest update the admin specifically emphasized the holiday working schedule would not affect processing withdrawals which are still made instantly on request to the members’ LibertyReserve and PerfectMoney accounts as it has been for almost ten months while EurexTrade (reviewed here) managed to become one of the most popular long-term programs online offering sustainable daily returns to its clients. For those in the program here is the full list of the days on which the usual daily interest will not be credited to your account:
“Official Company Holidays
Dear customers! Merry Christmas and Happy New Year!
Due to the holidays we have the following official non-trading days.
Japan 23 December 2011 Bank Holiday
European Union 26 December 2011 Bank Holiday
United Kingdom 27 December 2011 Bank Holiday
USA 31 December 2011 Bank Holiday
Also, non trading days will be on 02-05 January 2012 due to the low market activity and increased (2-3%) margin requirements these days.
We start our trading activity as usual on JAN/06/2012
28-30 DECEMBER ARE TRADING DAYS
All deposits and withdrawals are processed instantly as usual In accordance with our Terms of Service no interest is paid on these days.”

SolidForexLtd (reviewed here) still pays instantly to LibertyReserve and PerfectMoney on several plans discussed in more detail in my review published here of up to 3% variable for 180-240 business days with principal returned on expiry. The program recently marked 50 days online and the admin also used the opportunity to announced a few non-business days on which the regular daily profits would not be credited to members’ accounts. As you can imagine this decision was also directly connected with the upcoming holidays and all the dates can be read below in the latest update posted on SolidForexLtd‘s website today:
“Christmas and New Year working Schedule.
Dear Investors! Please pay your attention on our working schedule during Christmas and New Year holidays.
We have NON-trading days DEC 23, DEC 27-28, DEC 31, JAN 2
We wish you the financial freedom and prosperity in the coming year!
Thank you for choosing SolidForexLtd for your investment needs!”

It seems that only the admin of HYIPInnovation Sean (interviewed here) has managed to skip the “holiday theme”. Instead, in the eighth newsletter sent to members after 40 days online he concentrated on such important issues as limiting withdrawal requests to two per day maximum, and emphasized the utmost necessity for feedback from investors that they can leave in testimonials and on HYIPInnovation‘s Facebook page. By paying 5% stable interest for 25-40 business days to LibertyReserve and PerfectMoney for a few weeks already HYIPInnovation has managed to attract some of the heavy-hitters in the industry and the unorthodox newsletters from its admin seem to have sparked a lot of interest. Anyway, the latest newsletter is kinda lengthy so I would suggest to all the current and potential investors of HYIPInnovation (reviewed here) to have a read below:
“HYIPInnovation – News Release 8
Dear HYIPInnovation members,
Are you in a good mood today?
You have got to be IN one and YES, we care!
We hope that some inferior others are not spoiling your HYIP portfolio too much these days and without further ado, let’s just get straight to the important and more exciting matters happening here at HYIPInnovation.
1. Too many withdrawal requests.
We are totally thrilled that so many of our members keep adding new deposits on their accounts and it almost looks like as if there is a multitude of withdrawals from “some others”, which are finally being moved in the right direction and that is toward “The Innovation”. Many of our members are also growing their invested principal by reinvesting from their account balances (the earnings). All this activity while no doubt IS exciting, but guess what ladies and gentlemen?
Our staff is getting burred in the progressively growing list of withdrawal requests.
We are of course absolutely astonished and you have no idea how proud we feel because of the fact that our members are creating multiple deposits on their accounts. We are also thrilled that many users in turn like to revisit the website of HYIPInnovation several times per day. But please, imagine what happens in the back end of our software payouts section when all these requests are also multiplied by the membership growth of some 20 users per day.
Please lets try to extend the life of both of our computer’s keyboards and let’s spare a bit of our support team’s time. We are asking you to please limit the number of withdrawals that you are placing on a single day to a maximum of two. We believe that this frequency should be accommodating enough for everyone’s withdrawal needs. Our script will actually from now on “help” those of you who are overly excited about our program. So, if you happen to get corresponding error message upon your next withdrawal request, you probably should check how many of them you already placed TODAY and then just wait till next day please.
2. What do you think about HYIPInnovation?
We would like to transparently remind everyone that our website’s software has NO limit on the number of testimonials you are able to submit and you can easily do so right at the time when you are placing your withdrawal requests, or right after it. Speaking of testimonials, please do not hesitate to visit our “Ratings” page and perhaps post some of the testimonials (votes of support) at our rating websites as well. We obviously cannot insist on this action on your part, but I think it would be only fair of us to expect this from our loyal members at least once in a while.
3. Social media
Please do not forget to visit our social media sites to connect and share everything you have to say about. We in turn are inviting you all to check our Facebook today to see recently posted important tips on that precious “HYIP Monitors” theme, which we raised earlier and which we are still collecting your feedback about:
http://www.facebook.com/pages/HYIPInno/324090490939572
This is about not so “pink” side of the monitors matter and we feel strongly that perhaps not like many others, we are in full position of being able to openly share this information, for the better financial being of YOU the HYIP investors. I can only say that it is very pity to see some characters who think that they can put their little “sticks into our wheels”, only to shortly realize that those are not sticks, but some thin “grass stems” and that it is not the bicycle that HYIPInnovation is driving. We recommend everyone to visit our social media pages regularly, simply because some of the things we may post there may not be always reflected in regular news releases.
High Innovative Five to all of you and thank you for your attention.
Sean Mebokan on behalf of HYIPInnovation Team”.

There was another Christmas update coming from a program marked as Problematic on MNO a few weeks ago. I’m talking about PermanentProfit which surprisingly keeps paying to everyone with some exceptions which would include one of my referrals whose account in the program with over $5K in it was blocked and due to which the program was moved to Problem status in the first place. Unlike other monitoring sites that would not pay attention to such a story, I took it quite seriously and since the admin failed to explain his actions I considered this a danger sign to all MNO readers. I’m not sure if it’s safe to put your money in PermanentProfit right now, but I would definitely suggest not to put thousands there as you would risk your account getting blocked too. Please beware of that and don’t trust the admin even if other monitors still show Paying status. Before letting you actually read the latest update from PermanentProfit I would like to firmly emphasize that such selectively paying swindlers are not welcome at MNO and they should think twice before not paying to my downlines, as they would have the worst consequences of their actions for themselves and the investors should think hard about if they really want to entrust their money to such programs:
“Christmas is coming! We congratulate to our investors of PermanentProfit Inc.
Dear all, On the threshold of Christmas we would like to wish all the investors to make all your desires come true! We wish you to get everything you want for the money earned with us and put it under your Christmas tree. The far-sighted clients now have an opportunity to think over the coming year and invest money in new funds or bonds to receive even more profit next year.
Merry Christmas and Happy New year, dear investors of PermanentProfit Inc.
Yours sincerely, PermanentProfit Inc.”

Sometimes I’m wondering if HYIP admins take their investors to be complete and utter idiots. Such an impression is gotten the latest newsletter from EVBusiness (reviewed here) – a ponzi offering a bank guarantee to all the “lucky” investors making a deposit of $10,000 and over into 2.8% for 60 days with principal back anytime plan. Despite quite a decent level of popularity earned for its instant payments to LibertyReserve and PerfectMoney during its first four weeks online the most recent announcement introducing a questionable credit card for the investors from $1,000 and over and now a bank guarantee for anyone who dares to invest $10,000 in this HYIP. It’s very convenient in the form that EVBusiness‘ admin suggests to download from his website there are way too many blanks and there is no reputable bank that would provide such an unheard of guarantee to an online ponzi-game. That announcement really made me sick as it’s a blatant lie, especially for me who knows exactly how easy it is to incorporate a business entity in the UK (read how to do it fast and cheap online here) and how strict UK banks get when it comes to providing money to some cheap scams. I have personally nothing against EVBusiness which still pays instantly to everyone but one should always remember to treat such programs as ponzi-games and never invest what you can’t afford to lose:
“EVBusiness Bank Guarantee
We offer Bank Guarantee to our members. Our investors will be safe by investing in our company and won’t have any worry about their investment with us. We will give the bank guarantee from our local bank in London up to $10,000,000 in the name of the investor for members who make deposit equal to or higher than $10,000 via e-currencies. Totally the procedure will take 5 business days. It means you will have your money plus your profits in your local bank whenever you want.
A bank guarantee is established by the bank written declaration in a letter of guarantee. It states that the bank will satisfy creditors up to a monetary amount defined in the contents of the letter of guarantee in the case that a third party (i.e. the debtor) fails to pay its defined liability or in the case of certain other terms and conditions stipulated in the letter of guarantee.
Download EVBusiness Bank Guarantee PDF (2.2 MB) https://ev.biz/pdf/bankguarantee.pdf
Best Regards, EVBusiness”.

The following programs paid me for the last 48 hours:
LedgerWallet, WorldwideCapital, ProfitableSunrise, PerfectLottery, FixedMonthlyIncome, EurexTrade, HyperCompound, BonusPayMe, APEnergyInvest, EVBusiness, ForexReflex, BaseBucks, HYIPInnovation, OnlineInvest, Royalty7, LifeTimeProfits, AmbrianInvestment, FelminaAlliance, TopWallet, WalesFinance, FXMoguls, TopsFund, OneInv and SolidForexLtd.

That’s all I wanted to report for tonight, everyone. Have a very Merry Christmas and see you all back here on Monday!