Oct 11th, 2012 Archives

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

Hi everyone! Continuing where we left off earlier, the second post this evening has all the main news stories from around the industry today as well as a closer look at an interesting new program that joined my monitoring page over the weekend called AWTC. This is a new short to medium term HYIP with a choice of different plans that make daily interest payments.

You have two choices on offer with AWTC, one of which is a fast short term plan that due to the high cost of joining is unlikely to attract many investors. Even those who can afford it are unlikely to take up the offer due to the small net profit on offer being frankly not worth the high risk in my opinion. I’ll get to that in a moment, but first the plan that will probably get most people’s attention. It’s called the AWTC General Plan and can be joined for a minimum $20 deposit. It runs for 35 business days which is 7 weeks, making daily interest payments from Monday to Friday for the duration. For all deposits up to a maximum value of $5,000 AWTC pay 4% interest per business day, which in turn adds up to 140% in total. AWTC will not be returning your principal on expiry so this will be your final return, ie your own money plus 40% net profit.

It’s kinda hard to see where this falls into the greater scheme of things in the wider HYIP world. I mean there’s a lot of much shorter term programs out there offering the very same profit in a far shorter space of time. Of course it could be argued that at least with AWTC it’s going to be more sustainable if paid over the course of 7 weeks, but of course sustainability only comes if there’s a consistent and sustainable flow of new investors all willing to join up and wait the required time.

A slightly different version of this plan is in place for larger investors. All the rules are more or less the same with AWTC making daily interest payments for 35 business days, but for deposits from $5,001 to $25,000 the rate is 4.5%. This ads up to 157.5% in total, principal included.

The other plan I was telling you about is called The AWTC Special Plan. It runs for a term of 11 business days, which is just over 2 weeks, and makes daily interest payments of 10%. These payments include your initial principal which won’t be returned, enabling you to complete the term with a total return of 110% from which 10% is net profit. OK, this might sound fine so far, maybe even worth a shot, but the problem is that AWTC require you to make a $1,000 minimum investment. And my point is, if you can spare $1,000 to you really want to risk it for the chance of a 10% profit in over two weeks from now? Because despite the fact that AWTC makes daily payouts, you still don’t see a dime in actual profits until the very last day and that’s a long time in this business!

A couple of other things you will need to know about AWTC‘s investment plans before joining is that due to how the script is organized (more on that in a moment) you will first need to fund your account in the program. Only then do you re-direct those funds into the plan of your choice. No big deal but it’s a little different from most HYIPs so I thought I’d mention it. Other than that AWTC have a reasonable choice of payment options in SolidTrustPay, PerfectMoney, and LibertyReserve. Withdrawals are made manually and will need to be requested from inside your member’s account area. Once done the AWTC admin requires up to 24 hours to process your transactions.

The design and security features of AWTC are really the thing that caught my eye about them, as it’s something I don’t remember seeing before. Well not so much with the script, though that is a pretty solid feature. It’s a licensed Shadows script which isn’t all that common in the HYIP industry (I’m guessing due to its cost) but if you want quality then you pay for it. If you’re not a member of NewGNi then this will mean nothing to you, but it’s the same script that they use so yes, it’s about the best thing on the market right now. The thing that I’ve not seen before however was the hosting, also provided by Shadows on a DDoS protected dedicated server. I imagine the whole thing was part of a package, I really don’t know, but I can’t say I remember Shadows hosting any HYIPs in the past. Therefore I can’t really comment on how dependable their service is. If, and I do mean IF, their hosting is as good as their script then AWTC are unlikely to have any serious problems. If you have any follow up questions about this, any other aspect of the program, or any account related issues then the AWTC admin can be contacted by a number of channels. If you’re already an existing member then you’ll know that there’s an online support ticketing form inside your account area. For everyone else just looking to have some basic inquiries answered you can write directly to the AWTC admin at the e-mail address listed in the public area. Also included are a phone number and a postal address, though as this is merely a PO Box number you’re obviously not going to find any real people there were it even to be genuine in the first place.

Other than that there’s not much left to say I guess. Texts are typically vague and a bit cryptic as to what they would like you to think they are doing with your money to generate such high returns. Mention is made of all the usual HYIP activities, ForEx trading among them, but with absolutely nothing to prove it then we all know to treat AWTC like any other high risk online HYIP. That means your number one priority is to above all else protect yourself and your money by keeping deposits strictly under a level that you can both afford and afford to lose, as well as keeping all investments with AWTC should you choose to join them as part of a wider more diverse portfolio.



Finvance (reviewed here) is really skyrocketing now but with so many new members obviously the limits of their capacity are tested. Preventive measures should always be taken by professional admins who actually want their programs to perform well over a longer come. The admin of Finvance Mark (interviewed here) is obviously not a man who believes in putting things off until tomorrow if he can do it today, especially if it prevents problems from ever happening. Much like myself in that way. So, in technical terms the process that Finvance underwent was called a “complete database re-optimization” as Mark called it in the series of email updates sent to members today:

Finvance Newsletter
We would like to welcome the over 1500 new investors who have invested in Finvance since Sunday. There are over 20,000 registered members here at Finvance and over 13,000 active deposits. With such growth, comes new technical boundaries to break. We are currently experiencing complete database re-optimization on our server to handle the large influx in investors and the load it puts on the server. Please be patient with us over the next 8-10 hours while the server administrators work on re-optimizing the server and its databases. This will slow down payouts for Wednesday. Thank you for your patience.
Mark. Finvance.

Apparently, a slight delay with payments was necessary for the simple reason it wasn’t possible to process withdrawals during the work on the server. This was completed within the promised 10 hours timeframe. As usual there were plenty of self appointed experts queuing up to announce Finvance a scam prematurely so the second update was addressed to them. Really, if Finvance was trying to scam the admin could easily just stop the payouts and not send any updates which would serve as a warning signal to those people who didn’t know anything about pending withdrawals. Most of the members of Finvance remained patient and understanding and I believe the second update calmed a lot of people down who didn’t believe in the program’s ability to resume the payouts which happened as soon as work on the server was completed:

Finvance Update
Hello Investors,
Please be patient with us while we conduct optimization of our databases. Payouts should resume in the next several hours. Rest assured, this optimization of our databases is to provide a better experience for all our investors and a smoother one for our administration. Finvance is here to be the the top in this industry. We would not randomly disappear from existence on a random Wednesday. Please refrain from emailing our support about a pending withdrawal. 80% of those emails are from individuals who have also just requested their withdrawals in the past 6-8 hours.
Thank you for your patience and being a part of the top investment program.
Mark. Finvance.

Finally, the third newsletter from Finvance was posted everything was completely back to normal. In this update Mark thanked everyone for their support during the necessary maintenance and promised to stay for a long time to come. Apparently to show the seriousness of his intentions he extended both banner spots on MNO blog and monitor now for two months each. So they both expire now in February 2013 (!) – longer than any other banners displayed on MNO now. I hope that with the current figures of 20,000 active deposits made into the only plan offered by Finvance – 8% for 20 business days – via LibertyReserve, PerfectMoney, EgoPay or SolidTrustPay starting from a $20 minimum the program will be able to continue. I know that many jealous admins would be glad to see it gone but I believe in handling the situation properly and today Mark proved he can do just that. Here’s the final newsletter from Finvance:

Finvance Newsletter
Thank you for everyone’s patience during our system upgrades and optimization. With radical growth comes the eventual need to add and optimize our servers. We are on track for the 20,000 active deposits mark by this upcoming Sunday. This is an amazing feat. We appreciate everyone’s support and patience during our growth.
I would also like to take this time to forward everyone who hasn’t read our Frequently Asked Questions page on our website. It is of the utmost importance that as an investor and a part of Finvance‘s operations, that you read all the information we provide on our website. Take a look at it here: https://finvance.com/faq.php
Mark. Finvance.


It wasn’t just Finvance that struggled today with technical difficulties. IntraFunds had some script issues connected with their recently added short-term plan that used to pay 25% for 5 business days. It appeared that the script was not configured properly and many members only realized today that deposits made in this plan via EgoPay, LibertyReserve, PerfectMoney or SolidTrustPay had expired earlier than the intended term and basically didn’t bring them the profits they were hoping for. The admin of IntraFunds Jacob reacted promptly, however in quite an unorthodox way. He allowed the plan to have credited interests on calendar days instead of the business days. Affected members are required to submit a support ticket and their accounts will be credited promptly then. So, long story short – the two plans available in IntraFunds now are 25% for 5 calendar days with principal included, and 2% for 60 business days with the principal returned on expiry (or earlier for a 50% fee). There is a chance Jacob will change the plans again soon as he did so twice already during the first 23 days online. Let’s see how it works out for IntraFunds, but so far I can see that with the addition of the new short-term plan their popularity is only increasing, so I hope it was a wise decision. Below is the latest newsletter from IntraFunds (first reviewed here):

Newsletter 10/10/2012
It appears that there’s an issue related to the script we are using. What happened is that the investment plan was setup to pay during business days only (Monday – Friday). Unfortunately, people who invested on a Saturday, for instance, have lost a day in their active deposit, which reduced their interest payout from 5 to 4. Basically, the script counted Sunday as a business days but did not pay any interest during that day. I am very sorry for all those who were affected by this but if I knew that this script was that bad, I would had never planned on using it. Starting today, the Short-Term investment plan will pay for 5 calendar days instead of 5 business days.
For all active deposits that have matured before they received a total of 5 interest payments, please submit a ticket and I will be crediting your interest manually for the remaining days.
Once again, I do apologize for this matter but as I explained earlier, this was really out of my hands. This will not affect withdrawal requests in any sort.
In summary, our Short-Term investment plan will change from business days to calendar days.


MonetaryClub (reviewed here) also decided to change a couple of their investment plans which I believe are the most popular ones among the investors – 103%-130% after 1 day, and 54%-75% for 2 days. This change didn’t actually alter the returns but rather made adjustments to the minimum and maximum deposits via SolidTrustPay, LibertyReserve, PerfectMoney or EgoPay. For instance, if you invest $600 in the two day plan you will be paid 56% daily instead of 57%. These slight changes will not affect current deposits and will apply to new members only.

I remind you that MonetaryClub has been paying for more than two weeks now and the longer term plans include – 120%-330% after 5 days, 150%-500% after 10 days, 350%-800% after 20 days, 500%-1200% after 30 days. Hope that the program will keep paying for a long time to come and I believe that is the admin’s intention judging by the two banners he purchased on MNO recently for one month each. For more information on MonetaryClub you can also join their Facebook group and follow them on Twitter. Links are given in the latest newsletter from the admin Jesse issued today:

Slight change on the Opal & Pearl Plan
We have slightly updated the Brackets 2 and Brackets 3 of our Opal and Pearl Plans. Please check the slight change in returns by clicking on the deposit button after logging in.
This is in accordance to the returns we can produce from our company. Thank you for your understanding. And this is just a minor change to proportion the plans properly.
Thank you and have a great day.
Please join our official Facebook Group:
Like our page at: http://www.facebook.com/monetaryclubinc
Follow us on twitter at: https://www.twitter.com/monetaryclubinc
Jesse Snyder”.


Tomorrow the long-awaited third webinar with the admin of BensonUnion Ragnar Wellington (first interviewed on MNO here) is due to be held where the admin will make some important announcements about new developments and answer any questions you might have. I hope the recording of the webinar will be also available online like happened last time as I will be quite busy tomorrow and will not be online. Readers who can speak to Ragnar directly can share their opinions on the MNO ShoutBox if they wish. The link to the webinar and all the time zones are given on the specially allocated page you can see in the latest update from the program:

The third webinar with Ragnar Wellington
Dear investors! As you remember, we told about upcoming webinar that will take place on October 11. Time of meeting: 11:00 AM Eastern Time. Meeting URL: www.anymeeting.com/bensonunion1 . Please visit meeting URL before the start and click “Show in My Timezone” button to find out at what time you need to join if you are located in different timezone. Mr. Wellington will provide information regarding events that happened since previous webinar, then he will switch to Questions & Answers session as it was before. You are welcome to join! Don’t miss this event!

I remind you that BensonUnion (originally reviewed here) currently remains one of the most popular long term programs with about nine months lifetime and the first deposits already returned on expiry – 1.2%-2.45% for 170 business days. The program currently accepts a lot of payment options starting from a $10 minimum and paying instantly to some of them. The payment processors accepted by BensonUnion are LibertyReserve, PerfectMoney, PexPay, EgoPay, BitCoin and direct bank wires.


One program moved to Problem status on MNO is ProfitTrusted. Payments have stopped and the usually instant withdrawals are now in pending status with no chance to be paid. I must say that the admin is quite an inventive person as after I contacted him regarding the pending withdrawal request of one of my referrals he couldn’t come up with any better excuse than to say that the member in question submitted the wrong PerfectMoney account and therefore couldn’t be paid. An obvious lie became even more obvious when I confronted him and asked why the first withdrawal to the same member was paid to the same PM account and why the second withdrawal request strangely couldn’t be processed. Anyway, after this nonsensical email exchange with him and noticing myself that my own pending withdrawals were not paid either I didn’t hesitate to move it to Problem status on MNO. I cannot say that ProfitTrusted was a particularly good program, but at least it lasted for one week which was enough time anyone in the 1-day, 3-day and 5-day plans to profit were you quick enough to get in and out on time. To those who lost money in that scam go my sincere commiserations. Please do not invest in ProfitTrusted because they will not pay, nor are they to be trusted!


A program with the weird name BYW30 was added to Standard list on my monitor today. Well, as all the good names on the Net are long gone some admins will take nonsensical names and then act as if they were just abbreviations. So BYW30 apparently stands for Broaden Your Wallet 30% daily. Though 30% is the highest payout and only applies to deposits over $4K. Other investment plans available where you will be paid 26%-30% for 4 days, 5-8% for 30 days and 1.5% for 150 days. The minimum to invest starts from $10 or $50 depending on the chosen plan and your investment will be accepted via all the popular payment processor options including LibertyReserve, PerfectMoney, EgoPay and SolidTrustPay. BYW30 is running off a licensed GoldCoders script, so the payouts should be requested daily from your member’s area after which the admin promises to pay them manually within the 48 hours. The site itself looks pretty amateurish and clumsy with some links are missing and it looks to me like the admin either didn’t spend much time or effort on creating it or else has never actually looked at it. BYW30 is SSL-secured and is hosted on a dedicated server by CloudFlare. More about them will be discussed in my detailed review tomorrow.


Here is the list of the programs from my monitor that paid me for the last 24 hours:
From MNO Sticky list: SiriusUnionRoyalUnion, TheMoneyGalaxy, IntraFunds, ProsperaNova, ProfitaLimited.
From MNO Premium list: NewGNi, Finvance, RightFive, ProfitableSunrise, EurexTrade, FelminaAlliance, UniversalFinance, SkyCrown, PerfectFinancePipsFund, MonetaryClub, BensonUnion, ForexEarn, DiamondAsset, OdoFx, AWTC.
From MNO Standard list: UFOWin, PrimeX7, BYW30 (the first payment received).
From MNO Basic list: GoldTradeFunds, 10For25Ads, DepositProfessional, StallionGold, TradingFxInv (the first payment received).

That’s all for tonight, guys. I hope to see you all tomorrow with the latest news from the HYIP industry!

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