09/07/2012. LuxuriousFinance Review and Daily News from the Industry

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

Hello everybody! For the second update today (you may have noticed an interview published this morning) I have plenty of news to catch up on after the weekend. I also have a couple of new programs to introduce which I’ll be getting to in just a few moments. First up however is a recently added short term program called LuxuriousFinance which I want to look at a bit more closely for you before the news.

So what LuxuriousFinance put in front of you is a choice of four individual investment plans ranging from very short to more medium term in length. They work more or less along the same lines, offering daily interest payments that factor your initial principal into them, though not all are going to be affordable for the majority of online players. I also have to say that there is a very poor explanation of the plans inside your members area and in order to find the correct rate of interest is a matter of guess work.

I’ll start with the longest term plan as that’s the most affordable of the four and therefore likely to be the most popular. It’s called The Silver Plan and it runs for 30 calendar days. LuxuriousFinance require a minimum deposit of $20 and are in return offering a daily interest payment of 4% if you invest from the minimum up to $200. A rate of 5% is offered to deposits up to $499, and the top rate of 6% applies to amounts over that to the maximum deposit of $8,000.

For a bigger minimum of $201 though with the same $8,000 maximum, LuxuriousFinance have The Gold Plan. This comes with a 14 calendar day investment term and offers daily interest payments. Rates start at 10% for deposits up to a value of $399. For deposits above that a rate of 11% is offered up to a spending limit of $499, and the maximum rate of 12% is offered to anything bigger than that.

The next option is called The Diamond Plan and it runs for 6 calendar days. The minimum deposit it $500 and in return LuxuriousFinance are offering a daily interest payment of 20% on amounts up to $599. Deposits from $600 up to $799 are offered 21% per day, anything larger is offered 22% daily. Maximum deposit is $8,000.

And finally running for a 5 calendar day term is The Crude Oil Plan. This one requires a minimum spend of $600 for which LuxuriousFinance are offering 22% per day up to a value of $799. An improved rate of 23% applies to deposits up to $999 and the top rate of 24% daily is offered to deposits above that to a maximum value of $8,000.

Payment options have SolidTrustPay listed alongside LibertyReserve and PerfectMoney. Payza are still in the pipeline. Deposits made there manual for the time being, though there isn’t much information available as to how that works. In fact when I asked the admin about it he never explained it so I couldn’t really promise you that the LuxuriousFinance website is even approved by Payza at all, as is a requirement. You will have to contact the LuxuriousFinance admin for information on that yourselves, but what I can tell you is that payouts to the other three processors are made manually. Another difficulty I have here is the timing of the withdrawals. Despite the FAQ clearly stating that payouts are processed within 12 hours, I experienced several delays already. On complaining to the admin I was informed that payments are to be made within 24 hours, though this information has so far not placed anywhere on the website so I guess will cause a lot of confusion/problems for investors as well as a complete and utter waste of time for the admin dealing with unnecessary support tickets. In fact my own waiting time has also gone longer than 24 hours on several occasions and I’ve had to send constant reminders to the admin that he hasn’t made the payments. I don’t know what the reason behind this is, but to be blunt I don’t really care. Because whatever it is, it isn’t acceptable.

As for the security and design of the website, LuxuriousFinance is running off a script licensed from GoldCoders. SSL encryption is provided by RapidSSL and hosting is on a dedicated server from GeniusGuard. After a recent DDoS attack took the program offline completely the admin said he’d be moving it to Koddos. I’m not sure that would have been much of an improvement to be honest but no matter, he still hasn’t done it and LuxuriousFinance remains on its original server and susceptible to attacks. For any further questions, comments, queries, account related issues, etc, you can get in contact with the admin by filling out the online ticketing form on the support page and submitting it. LuxuriousFinance also comes with a built-in Live Chat feature though this is not a 24 hour service and there is nothing to indicate what kind of working schedule is kept there or when (if ever) you might find an operator.

The website content (ie the texts) gives next to no information about any kind of business plan backing the payments up or about what might be happening to your money after you hand it over. What it does say however is a straight copy/paste job, identical in every word to what it says on numerous other HYIP websites. So just in case you didn’t already suspect as much, LuxuriousFinance is of course to be taken with a pinch of salt. It does look to be a very amateur operation at best, if not downright unfinished. High returns come with much higher risks, so of course only spend what you could comfortably live without in the event of the worst case scenario, and if signing up for LuxuriousFinance remember it’s probably better if you kept them as a smaller part of a much wider more diverse portfolio.

DAILY NEWS FROM THE INDUSTRY

GLOBALOILFUND – PAYZA MISSING DEPOSITS, SPLASH PAGE AND MNO INTERVIEW

The most discussed topic in the latest newsletters from GlobalOilFund issued for the last two days was the problem of missing deposits via Payza which just apparently started to be added automatically but affected a lot of investors. It looks that there are so many of them that the admin had to create a new page on the subject to explain the situation to everyone at the same time and make the job less time consuming. As you might know, GlobalOilFund (reviewed here) is possibly the hottest short-term HYIP in the industry now with hundreds of investors from all over the world attracted by the possibility to get fast profits to LibertyReserve and PerfectMoney but also Payza and SolidTrustPay and even Bitcoin which I haven’t heard of before. The constant development of the program and very responsible and active admin made GlobalOilFund immensely popular among investors. If you don’t know the plans they include 105%-125% after 1 day, 55%-70% for 2 days, 130%-300% after 5 days, 180%-475% after 10 days, 300%-800% after 20 days, 500%-1300% after 30 days.

Other important subjects covered in GlobalOilFund‘s recent updates included the recent addition of a splash page which good promoters can use to attract more prospective investors, essential for the program’s survival with such rapid growth being experienced lately. A good contribution was made by the admin Sean when he finally managed to answer the interview questions for MNO in the very detailed reply posted this morning which you can read here. I hope you enjoyed reading it and I’m grateful that Sean also added the link to it to his latest newsletter tonight. The full versions of the latest two newsletters from the last two days are below (please note the STP issue has been resolved when they came back online last night).

“Quick Notice About Missing Payza Deposits, SolidTrustPay Withdrawals and GOF Splash Page
Hello, I hope everyone is having a pleasant day. I would like to update everyone today with another new feature at GlobalOilFund.
First, our team decided to segregate the tickets being submitted via the help desk system. Missing Payza deposits are not to be submitted anymore at the Help Desk. A page has been created for this sole purpose and it should shorten the length of time for the missing Payza deposit to be added to your accounts.
If you have a missing Payza deposit, you can get it added faster by using this dedicated online form https://www.globaloilfund.com/payza/use/deposit/form1.html . You can also do this by logging into your account and you will see a new button that has this text in it MISSING PAYZA DEPOSIT? CLICK HERE . You can click that and arrive at the online form for the missing deposits.
Be sure to fill that out with accurate information. All fields are required and all submitted information goes directly to Nathan, who is going to be in charge of the missing Payza deposit issues.
if you already submitted a ticket via the helpdesk about your missing deposit, please go ahead and use the new online form for this. Again, the link is https://www.globaloilfund.com/payza/use/deposit/form1.html
All tickets submitted via the helpdesk that are related to missing deposits will only be delayed, so I need everyone to submit a request via that online form.
Solidtrustpay withdrawals cannot be processed until the Solidtrustpay website itself goes back online. We received a couple of tickets asking us to fix the deposit via Solidtrustpay function, because they thought that the problem was on our end. We will process all of these STP withdrawals as soon as their website is back online.
Another great promotional tool has been launched yesterday by GlobalOilFund. If you have not seen it, you better check it now. It is a splash landing page and it should be very effective in promoting your referral links. To get your own splash referral link, please login to your account and you will see this on that page after logging in.
For your reference, your personal splash link is https://www.globaloilfund.com/splash.php?ref=moneynews
We thank you for your patience and understanding with these minor issues regarding the missing Payza deposits. Our programmer is currently looking into why some deposits are not added automatically, despite the investor following the instructions as advised. Note that the issue is only an isolated one and only a few members are encountering this.
One of the reasons we saw is that some members use a website translator and this disrupts the MEMO / MESSAGE that should be copied and posted on the Payza Send Money page memo / message field. We are still checking why some members do not get their deposits added automatically even if they followed the instructions exactly.
That is all for now. We are very glad of our growth, check http://www.alexa.com/siteinfo/globaloilfund.com for our traffic details. It is amazing how high our traffic ranking is on Alexa.com .
Thank you for your support and we are always at your service.
Regards, Sean Cooper
Administrator / Manager
GlobalOilFund.”

“To Everyone with Missing Payza Deposits
Hello, Just a quick notice to everyone who has missing Payza deposits, please click this link and submit information. If you have submitted a ticket on the help desk, please still fill up this form to process your requests faster.
https://www.globaloilfund.com/payza/use/deposit/form1.html
A dedicated staff is working on those daily.
Please fill up the form accurately.
Oh and please check the interview by Money-News-Online to our company admin, Mr. Sean Cooper.
http://money-news-online.com/blog/2012/07/09/09072012-interview-with-the-admin-of-globaloilfund/
Thank you for your support and we are always at your service.
GlobalOilFund”.

DIVIDENDSERVICE – CONTACT PHONE NUMBER CHANGED

Reacting promptly to the steady development and growing demands on their support team, the admin of DividendService Erwin (interviewed here) announced today that the support phone number had been changed to allow more requests at the same time. Being multi-channel like this will definitely help many investors to get through and have a chat with DividendService‘s representatives to answer any questions you might have after reading my interview and detailed review of the program posted here. I would like to remind you that DividendService is one of those slow-developing programs that reach their peaks after time. While for some reason not being particularly popular among MNO readers despite four months of stable payouts to SolidTrustPay, LibertyReserve and PerfectMoney, DividendService have quite profitable plans with the following daily returns and principal returned on expiry – 1.4% for 15 days, 1.7% for 30 days, 2% for 70 days, 2.3% for 100 days. I hope they keep up the good work and the admin will prove that the HYIP industry is not just fast scams but better organized programs which manage to run for a longer time than the majority think possible. Anyway, those who were in DividendService from the beginning and managed to make some good profits from can vouch for that. Here is the latest update:

“Change of DividendService Phone Number
Dear project members! In order to provide better service quality to our partners, we have changed our project phone number to +507 836-60-14.
For technical reasons, the previous phone number was single-channel, and couldn’t handle the loads. For this reason, many of our investors and potential partners, experienced some difficulties with contacting us. Project administration promptly solved this problem. Our new telephone line is multi-channel, so project participants won’t have any difficulty when they want to contact our technical support specialists.
Please feel free to contact our support team at our new phone number +507 836-60-14 with any questions at any time. The line is running 24/7!”

EWFUND – INTERNAL EXCHANGE WITH NO COMMISSION

If for some reason you want to get rid of your LibertyReserve and PerfectMoney funds and obtain some Payza funds but prefer not to deal with exchangers then the admin of EWFund has a perfect solution for you (and for him too, lol). Experienced players in the HYIP industry must know that for many admins getting Payza out of their accounts is a pain and they will do anything to get rid of those funds and for easily withdrawable LibertyReserve and PerfectMoney money. So, it looks like the admin of EWFund is now offering a no fee internal exchange from members accounts which you can make via the Exchange e-Currencies form in your members’ area. Just remember that such exchanges can be considered by the administration of Payza as illegal if the program scams and they may cause problems for your account there. So think twice before getting involved in this type of exchange which is convenient for the admin but might be quite dangerous for you. The exchange offer has not been announced by the admin officially but is there for to see in your member’s area. Here how it looks like:

“Special Offer!
You can Exchange your LibertyReserve or PerfectMoney balance to Payza with out any Fee (Instant )!
For exchange click here!”

EWFund (reviewed here) is probably the longest running HYIP I ever heard of with over 600 days online. As usually happens most probably for the first 500+ days it was a totally different program with totally different plans paying only a couple of monitors monitors. However, at this moment EWFund is reaping the rewards of such a long-winded approach and can legitimately claim that it’s been running for nearly two years while in reality the real advertising started just a couple of months ago. Nevertheless, I must say that I was satisfied with the service and the fast (in most cases instant) payments EWFund provides to Payza, LibertyReserve and PerfectMoney on 5.5%-8% for 25 business days plan and its current listing on Sticky on my monitor where it occupies the second position just behind GlobalOilFund. Let’s hope that the exchange offer is not a bad sign and that EWFund will continue paying for a long time to come. And only time will tell if that’s true!

ONEINV – DOMAIN EXPIRY DATE ISSUE

Many investors asked the question why the domain of the seemingly long-term program OneInv is going to expire in a couple of months and so to alleviate members’ concerns the administratio extended it for another year, although giving a laughable reason for not renewing it for longer. Just read this latest update posted on the site of OneInv to find out more on that:

“Domain Name renewed another one year.
We have just renew our domain name for another year as it only can renew maximum one year for dot biz. We will renew another year few months later as we will be online for many years.”

Well, for me it’s an obvious reason why OneInv (reviewed here) has renewed its domain registration for one year only – because they are going to scam in a few months. We can clearly see it from watching the pattern of the admin’s behavior with addition of some very dubious plans along the way and reducing the original interest paid to the first plans which were offered when the program launched about ten months ago. Please note that after the new plan launched which introduced a ridiculous 1800% return after 90 days time cleverly disguised to make it look like it’s offering daily payouts it was very clear that the end is in sight for OneInv and it’s unlikely to be around long enough to allow new investors profit from the 0.6%-1.2% daily forever plan or 1%-2% for 300 days plan which still pay every day. And even the recent change of their DDoS protection provider to the expensive Dragonara doesn’t change my opinion of OneInv and would like to advise readers to stay away from them from now on and not reinvest even if you are paid. The pattern used by this admin have been described on my blog many times already and I would not be repeating it here, but just wanted to tell you that all his future programs are banned from coming to MNO monitor for constantly cheating the members. So, please be careful!

INTERNATIONALFOREXLLC – DATABASE ISSUE AND 8% DEPOSIT BONUS EXTENDED

Over the weekend the site of InternationalForexLLC experienced some difficulties with the database and therefore all passwords to members’ accounts had to be reset by the admin. Now in order to login to your account you should click the Forget Password link located just under the sign-in form and then a new password will be generated by the system automatically and emailed to you. Here’s the email sent by the admin of InternationalForexLLC yesterday:

“Please note-Important news
We have a problem with our database at this moment. Please contact us if you have any problem with your login information or use following form for new login information.
http://iforexllc.com/page_forgot_password.php
** Important: Please do not share your username and/or password with anyone!
Thank you for choosing InternationalForexLLC. Do not hesitate to contact us if you notice any discrepancies in this email or have any questions.
InternationalForexLLC”.

For those who didn’t read my review of the program published here I remind you that InternationalForexLLC was first added to my listing three months ago and has been paying fine since then. It offers one single investment plan – 1% for 180 business days with the principal returned on expiry – and accepts four payment processors starting from a $10 minimum – LibertyReserve, PerfectMoney, SolidTrustPay and Pecunix. The admin also used to give deposit bonuses for the investors willing to spend $100 or more and revived this practice now by offering the same bonus for all new deposits starting tomorrow for a few more weeks. For all the details please refer to the latest newsletter from InternationalForexLLC issued last night:

“New offer (08 july 2012)
InternationalForexLLC offer their investors 8% deposit bonus on all new deposits.
There is a minimum limit for your new deposit:$100
There is a maximum incentive bonus of $1,000 per account.
This bonus is only a small amount for choose us as your personal investment company.
Campaign runs from 08 of July 2012 until 30 of July 2012.
Thank you for choosing InternationalForexLLC. Do not hesitate to contact us if you notice any discrepancies in this email or have any questions.
InternationalForexLLC”.

PAYZA – OLYMPIC PRIDE CONTEST LAUNCHED

The administration of Payza (formerly known as AlertPay) announced the launch of a new contest today dedicated to the coming Olympic games in the UK capital some of the events of which I will be attending myself (!). The contests will be held on the payment processor’s Facebook page where you can get some cash prizes straight to your Payza account by answering some trivia questions or submitting photos depicting your country’s Olympic pride. The three lucky winners of the last contest will get very sizeable amounts credited into their Payza after the votes on Facebook are fully counted on August, 10. I sincerely wish all participants good luck and the full set of rules have been posted on the official blog of Payza today and republished in full below:

“Olympic Pride Contest
In honor of the 2012 London Olympics, Payza will be giving away $700 in cash prizes to participating fans! For the next month, we’ll be posting Olympic trivia questions on our Facebook page where you can compete for cash! But the big money is in the Payza Olympic Pride Photo Contest where the Gold, Silver and Bronze medal winners will get $250, $150 and $100 respectively deposited into their Payza E-Wallets!
How to compete:
 -Take a picture of yourself and family/friends representing your country’s Olympic pride.
 -Tag everyone in the picture.
 -If your picture gets uploaded, tag the people in it.
 -Invite friends to “Like” it to increase your chances of winning!
“Show Your Olympic Pride” Photo Contest Rules:
 -Each contest participant can upload only one picture to the photo gallery.
 -Your chances of winning depend on how many “Likes” your photo gets and how well you represent your country’s Olympic pride.
 -Vote for your favorite picture by clicking its “Like” button.
 -Voting ends on August 10, 2012 at 12:00 a.m. EST (Eastern Standard Time).
 -You will be disqualified and removed from the page if you use illegal methods to add “Likes”.
 -Comments do not count as “Likes”. People must click on the “Like” button for your photo to qualify.
 -You must own the picture, and appear in it with or without your family/friends. Designs made by manipulating graphics will NOT be accepted!!
 -Keep photos tasteful and presentable to a general audience. No violence, adult content, drugs, etc… can be featured in the pictures.
Note:
Contestants must be at least 18 years old and/or of legal age in their respective countries to participate in the contest.
Participants must have an active Payza account.
The winner will be chosen on August 12, 2012 and announced on the Payza Fan Page Wall after 12:30 p.m. (EST).”

INTRODUCTION OF FINOPRO

FinoPro is the newest program to join MNO tonight. They just launched today and offers a wide variety of plans, mostly paying on expiry – 150% after 10 business days (2 weeks), 210% after 15 business days (3 weeks), 300% after 20 business days (4 weeks). The cheapest plan the upgrade to which will cost you only $10 unit will allow to make a daily withdrawals though and will pay you 10% for the duration of 15 business days (3 weeks) with the principal already included in the daily profits. What I like about FinoPro is its wide choice of payment processors with SolidTrustPay, LibertyReserve and PerfectMoney accepted automatically. Payza is added by the admin manually so you should follow the instructions specified in your member’s area. The program is running off a PHPflux script and is hosted on a dedicated server with Koddos protection and is SSL secured. All in all, my first impression about FinoPro is quite favorable apart from the usual blurb about the Forex trading:

“Welcome!
We are proud to finally announce our investment program has launched! People from all nationalities can now profit from forex without actively doing the trades themselves. FinoPro does the trading for you and you earn the profit.”

Obviously, I would not pay attention to these fairy-tales and consider FinoPro as a regular HYIP which it will be treated on MNO blog when I’m going to review it on my blog soon. Stay tuned for that, guys!

INTRODUCTION OF SAFERISK

The second program I would like to introduce today – SafeRisk – is not exactly new by any description and makes its way to MNO after being online for over 10 weeks thus completing the first investment cycle successfully. Despite the contradicting name (no risk can be safe by definition) SafeRisk has managed to establish itself as a stable program paying on their only investment plan – 2.5% for 60 calendar days with the original principal returned on expiry – to all the popular payment processors including SolidTrustPay, Payza, PerfectMoney and LibertyReserve. SafeRisk is running off a licensed GoldCoders script though slightly modified and the payouts have to be requested and are processed within 24-hours. The site of SafeRisk is properly SSL-secured and hosted on a dedicated server by Staminus. The admin obviously prefers stable and steady growth to the overnight scam and has already proved as much by his program’s performance. I look forward to reviewing SafeRisk on MNO in a few days but meanwhile you can read the welcome message from the admin Hugo on the news section of the program’s website:

“Welcome message
Dear members,
After a few months of preparation, SafeRisk is now ready to accept deposits from new and existing members. Creating larger bank balances to work with is of great benefit when dealing with any type of financial speculation, as profit margins can increase and running costs will decrease in most situations. This is the main reason we decided to open SafeRisk to new members. Pooling your money with ours will place our profit values on a whole new level.
We are offering you one single plan paying 2.5% daily for 60 calendar days plus your deposit returned to your account at the end of the term. In other words, each deposit returns 150% of pure profit. We also offer an affiliate system for those who want to promote SafeRisk paying 6% on the first level.
We appreciate your interest in our business and we hope you will become an active part of our membership group shortly. If you have any concerns before joining us, please contact our professional support team and they will make sure you understand everything, there is to know about our business strategies and us.
Best regards,
Hugo Lingenfelter
SafeRisk Founder”.

GET PAID REPORT FOR 09/07/2012

Here is the list of the programs from my monitor that paid me for the last 36 hours:
From MNO Sticky list:  GlobalOilFund, EWFund, LuxuriousFinance.
From MNO Premium list: NewGNi, SilverStructure, OneInv, InvestForia, ProfitableSunrise, BensonUnion, FelminaAlliance, MetalROI, DividendService, PlexCapital, PrimeXCash, KISnP, RealityProfit, InvestConcept, Ivecon, EzyProfitHome, VertexPay (the first payments received), ExpertKapital (the first payments received).
From MNO Standard list: UFOWin.
From MNO Basic list: HedgeCapital.

That’s all the news for tonight, guys. I hope you enjoyed it and I hope you’ll be back tomorrow for more. Expect also a more detailed review of TrexFinance in addition to the regular news updates. So if you’re interested to know more about the program I’ll see you here tomorrow!