Oct 17th, 2012 Archives

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

Hello everyone! I was expecting a quiet week on MNO right up until yesterday when no less than five new programs joined my monitoring page. So there’s going to be plenty to read about here over the coming days if you happen to be in the market for new additions to your portfolios. Some of them will as always be better than others so hopefully there’ll be at least something in that catches your eye. The program I’m looking at before today’s news update however was first introduced here on Sunday and has in fact been online since the end of September. It’s called Phinanci and it’s more of a medium to longer term program so I guess you can still treat it as fairly new. Phinanci is also quite sustainable (in HYIP terms I mean) as we shall see in the only two investment plans they offer which I’ll describe below for you, assuming the admin knows how to manage it properly of course and his intentions are good. So let’s take a look and see if there’s something you like there.

Starting with the plans, like I said there’s only two of them. The first and shorter term of the two can be joined for a very basic $10 minimum. It runs for a term of 20 calendar days, on expiry of which Phinanci will make a single on expiry payment of 120%. That figure includes your initial principal so it won’t be returned, meaning that your final return is your own money back plus 20% net profit. Or to put it another way were you to deposit $100 here Phinanci would give you back $120 twenty days later. The maximum deposit is $1,000 however it should be noted that this only means you can deposit $1,000 per day. There’s no stated maximum to the number of actual deposits you can make, Phinanci merely specify that any one individual deposit cannot be bigger that $1,000.

I must say that without trying to be deliberately negative or anything I would have some mixed feelings about this one. On one hand on a profit per day ratio it’s only 1%, which is fine. I mean some folks will see that as not worth their while, which is entirely their own business, while others will see it as realistic and achievable, which is an equally valid opinion. My own reservation however is that Phinanci might be asking a bit much from investors by making them wait almost three whole weeks before ever seeing any return whatsoever. If they made a daily, or even a weekly payment of an equivalent rate they’d get a lot more takers purely on the basis of a vastly reduced risk. Also I need to point out that as of today while I write this review Phinanci have yet to pay anyone’s investment in this plan, so nobody has made a penny out of it yet. The first investors aren’t due to be paid for another couple of days but I’ll be monitoring that so if you want confirmation on that before you even think of joining Phinanci then keep an eye on MNO. I’ll make sure you hear about it right here on my blog first.

A somewhat more expensive option, though considerably more profitable and with a much smaller risk, is the second Phinanci plan. Joining this will set you back a $50 minimum and the term runs for a 50 calendar day duration. The most obvious advantage of this plan, assuming the cost of joining is not a barrier to you, is that Phinanci are making daily interest payments. Therefore in the event of something going wrong you will have had to opportunity to claw back at least some of your money. The rate is 3% per day, and this applies to all deposits no matter how big or small. By the end of the term that should add up to 150% in total, but as Phinanci are again including your principal as part of those payments, ie it won’t be returned, your final earnings consist of your own money plus 50% net profit. There is no upper limit to how much you can spend here.

Once you measure the two plans against each other in terms of net profit per day, you’ll see that there’s absolutely nothing to separate them. No matter which one you opt for, you basically end up with the same 1% net profit per day of the term. So it’s really just a question of you asking yourself whether you want to risk everything for a fast and moderate profit, or take a smaller risk for a slower but more generous one. I guess it depends on the individual’s own requirements and preferences, but anyway, that’s Phinanci‘s two plans for you.

I’ll just add that payment options are as good as anything else in the industry, but then again accepting all the popular processors is fast being seen as a basic minimum requirement for a lot of investors these days. Even those using LibertyReserve and PerfectMoney, both of which Phinanci accept, expect there to be at least the extra choice there even if they don’t intend on using it. So also listed are EgoPay and SolidTrustPay. Payouts to members are made manually and will need to be requested from inside your Phinanci private members account area. Once done the admin asks that you allow up to 48 hors for all transactions to be completed.

Phinanci is running off a licensed PHPflux script and the website is secured by Comodo SSL. Technically speaking they are hosted on a shared server, but in this case I wouldn’t really worry. The only other site hosted there is a long defunct program dating way back to 2006 so for all intents and purposes you may as well treat Phinanci as if they were on a dedicated server at the moment. Both hosting and DDoS protection are provided by BlackLotus who are a well enough known name in the HYIP industry with many years behind them by now. Overall it’s quite a nice looking website and very original in terms of design. It has an unusual layout, but also a comprehensive FAQ and investment guide containing a lot of useful information about the investment process. For any further questions for the admin or account related issues you can contact Phinanci by visiting their online support ticketing page which opens in a new window. Your ticket will also be assigned a tracking number to help ensure the matter is dealt with to your satisfaction. Phinanci are also maintaining active Facebook and Twitter accounts.

Texts and content appear to be largely original, pretty much in conjunction with the rest of the Phinanci website, and suggest that their financial interests are connected with financing new businesses and entrepreneurs with establishing themselves and getting their ventures up and running. Strictly speaking if this were true one would imagine it’s up to said new businesses to be cutting Phinanci in on a slice of the profits and it’s not really the place of HYIP players to be forking over the money for anything here, but what you believe about any of this is entirely up to you. All I can say is that none of it is substantiated so it’s my suggestion that you treat Phinanci exactly like you would, or should, treat any other online HYIP – as a high risk gamble with potentially good rewards but absolutely no guarantees. So as ever don’t spend money that you cannot comfortably afford to lose and if joining Phinanci at all then try and keep them as a smaller part of a wider more diverse portfolio.



The first investors in SkyCrown‘s (reviewed here) 3%-3.5% for 50 business days plan via PerfectMoney, PexPay, EgoPay and SolidTrustPay should see reach their break-even point in just a few days and once that happens the program should expect an influx of new members. The admin of SkyCrown Nick also did his best with the interview which was published on MNO last night to make it one of the most comprehensive and detailed interviews which will also help attract a lot of new members. I believe the future looks bright for SkyCrown and I admire the admin’s level of dedication with which he issues meaningful updates every day and processes withdrawals promptly. If you’re thinking of investing in SkyCrown please read the latest interview with Nick published here and you will not be disappointed. The latest newsletter containing the interview link is below:

Recent Developments & Community Feedback
Dear Members,
First of all, I would like to thank each and every one of you for the ongoing support and commitment you are showing.
Since the beginning of our second month online, the percentage of inactive member accounts has decreased dramatically, while new arrivals still increasing every day.
This goes to prove that SkyCrown is starting to make a name for itself in this industry and many of our initial members who were doubtful at first are beginning to see us in a much brighter light.
We do appreciate and notice all the positive feedback the online investment community is sending our way now. The subtle “Thumbs Up” signals we are getting make us very happy with our work and give us renewed strength each day.
Yesterday, I had the honor of participating in an interview held by the famous Money News Online investment blog & monitor.
I trust this will make an interesting and entertaining read for our fans, prospective investors and why not, even for our competitors.
The interview can be found here:
Warm Regards, Nick Seltzer
Online Identity Manager
SkyCrown Capital Management”.


A very funny and original name was given by the admin of MonetaryClub program to the payment proofs uploaded in the special section of the website that opened recently. The “proofits” will add a funny side to MonetaryClub and will help potential members decide about investing in one of the plans via SolidTrustPay, EgoPay, LibertyReserve or PerfectMoney – 103%-130% after 1 day, 54%-75% for 2 days, 120%-330% after 5 days, 150%-500% after 10 days, 350%-800% after 20 days, 500%-1200% after 30 days, all with a $10 minimum. Also don’t forget to read my review of the program here if you’re curious to find out more. It’s been paying for three weeks now and I’m glad to see that the admin Jesse is trying to find a novel approach to keeping investors’ attention:

Upload All Your MCi Payment Proofs (Proofits)
Good day everyone! I want to show you the new feature on MonetaryClub Inc. From now on, you can upload all of your payment proofs, or PROOFITS as we call them at MCi, here on this link http://proofits.monetaryclub.com/
You will need to register for an account, and it would be best if you use the same username you use on your MonetaryClub Inc. account so everyone and myself can identify you properly.
Upload all your old and new screenshots of your payment proofs here.
Thank you for cooperating and supporting us.
Much Regards, Jesse Snyder”.


As you might know from my review of CarbonDeals the program uses a modified version of the licensed ProBiz script and it looks like the admin wants to further improve your experience with the script. I must say that since the first introduction of CarbonDeals on MNO last Saturday I had quite a few referrals as they’ve proved popular among many readers. The latest information on referrals in the latest update will be very handy for me and others. It’s good that Peter, the CarbonDeals admin listens to what people want and updates his site accordingly. Hopefully this will continue for a long time to come. I remind you that CarbonDeals offers several investment plans with the same minimum of $20 via SolidTrustPay, EgoPay, PerfectMoney and LibertyReserve of 108% after 1 week, 10% for 2 weeks + principal back, 5.2% for 28 days, 4.2% for 42 days, 3.8% for 56 days, 3.6% for 70 days. More info is in my detailed review published here and for the latest improvements in the program please see the update below:

Referral panel added to main page
Esteemed Members,
By popular demand, we have added a referral information panel to the main account page.
You will be able to find your referral link, upline and total referral commission there.
You asked and we listened.
Do not hesitate to forward your concerns and suggestions in the future, as they will not go unnoticed.
Best regards, Peter Neperus, CarbonDeals.


Members of a short term program like AgroFinance might appreciate the admin adding Live Statistics to the site which may help them decide if it’s still safe to invest in one of the various on expiry plans via EgoPay, LibertyReserve and PerfectMoney and analyzed in detail in my review published here – 105%-125% after 1 day, 111%-160% after 2 days, 123%-235% after 4 days, 136%-325% after 6 days, 180%-570% after 12 days, 210%-750% after 16 days, 350%-1600% after 32 days, 1200%-3300% after 64 days, 500% after 3 days, 1200% after 7 days, 4700%-5000% after 72 days, 8000%-8888% after 88 days. Unfortunately, as with the vast majority of short term programs AgroFinance is not able to give honest stats without compromising the ability to manipulate big spenders. Therefore disappointingly we can see the top investors stats with $55K in the program which is obviously fake and thus I have to question the validity of other stats as well. Anyway, if you want to have a general idea how AgroFinance is functioning you can take a look if you want, however I would be very skeptical about them and not pay them much heed. Here is the latest from the admin bragging about the new feature for AgroFinance members:

Live Statistic added!
After receiving an a lot of request from our investor we have finally added the Statistic. You will able to see how many investor are registered in our website, what was the latest withdraw amount; what was the latest deposit, how old is our website and many more. We have always listened to our investor on what they want from us and we have delivered what our investors wanted by adding this Live Statistic. We hope that everyone will like this feature as they will now about our website even more than ever before.


I wonder what the admin of TheMoneyGalaxy expected from Payza which hasn’t allowed HYIPs to use them for quite some time now. Surely his account will be suspended again and again, so I made a sigh of relief yesterday when I saw the latest newsletter from the program announcing that Payza has been dropped in favor of SolidTrustPay and EgoPay. Plans still include 2.1% for 100 business days, 2.5% for 120 business days, 3.1% for 140 business days, 4% for 160 business days with a 10% bonus available. After my own incident with frozen funds in EgoPay paid by TheMoneyGalaxy‘s admin for advertising and the scandal caused by stolen credit card money the program has been surprisingly stable and paying fast to all payment processors. Besides SolidTrustPay and EgoPay TheMoneyGalaxy also accepts LibertyReserve, PerfectMoney, OKPay and BitCoin. Recently the admin decided to extend the program’s Sticky listing on MNO and I considered this gesture as a good sign indicating that he wants to continue paying, at least for some time. Anyway, speaking of the latest news it will affect you if you’re a Payza investor but you will be able to make an internal exchange in your account. Please read more about that below in the latest newsletter from TheMoneyGalaxy (reviewed here):

TheMoneyGalaxy News Letter : 10/15/2012
According to Payza’s unfair act of suspending TheMoneyGalaxy and its investors’ accounts, we do not accept Payza payments anymore.
Since now, members with available Payza balance are able to withdraw their Payza funds using Egopay or SolidTrustPay. For this purpose, we have assigned low exchange fees:
Payza to Egopay > 4.2% fee
Payza to SolidTrustpay > 9.5% fee
Please note: Since today, Egopay ecurrency will be the alternative payment as the Payza replacement.


I’m afraid that some of my readers who were long term members in ProfitClicking were not so enthusiastic about my listing of the program last night and hinted that it might be taken as well as a sign of pending collapse. Well, I was really surprised myself when the admin of ProfitClicking contacted me after more than a year and a half online and suggested to list and monitor his program (where was he up to now, I wonder?). But this was not such an important issue for me as the complaints that started pouring into my ShoutBox where members questioned my intention to review ProfitClicking on MNO while members were experiencing severe payout delays, sometimes waiting three weeks or more to be paid. In response to my request made on the ShoutBox I received a few emails containing some important information which I’m going to take up with the admin and will make sure that the review will be totally unbiased and will only be published when I can be sure there are no further payout delays.

From the latest news posted on the ProfitClicking website today I can see that the program is really something special and very different from what I usually monitor on MNO. But it requires more research on my part and I believe that the delayed review will not be considered something out of this world in this case. What I really admire about ProfitClicking‘s marketing team is their ability to write such appealing newsletters that everyone will be curious after reading. Really, 1%-2% per day until you reach 150% return in exchange for surfing 3 sites sounds tempting and an abundance of payment processors (LibertyReserve, PerfectMoney, EgoPay, SolidTrustPay and Payza) certainly adds to the attraction. From what I can see in my account area I’m really impressed by what they’ve packed in. In addition there are Twitter, Facebook, LinkedIn accounts and YouTube videos available for fans all over the world. Really impressive! But I must say I’m looking forward to hearing from the admin of ProfitClicking directly who will hopefully explain the delayed payouts, though I can see some people on forums saying the program is catching up with the pending payouts now. That’s still no excuse and I would prefer not to review it as long as it has questionable pending withdrawals. Just for your information, below is the latest newsletter from ProfitClicking containing a lot of links you might be interested in to see what other investors think:

Daily Update For October 16th, 2012
Member Update
Pro?tClicking is your answer!
Did you know that only about 2% ever succeed with business on the internet? The majority spend lots of money, and often end up losing most of it. The good news is that Pro?tClicking was speci?cally designed for the other 98%! By simply clicking a few websites a day on the Pro?tClicking Traf?c Exchange, you will earn daily commissions. Just three clicks a day, and you are on your way!
With our network of millions of Independent Business Owners (IBOs) already on board, and a proven track record of success since 2004, Pro?tClicking provides a rock solid income strategy that is unmatched.
Many internet programs are here today, gone tomorrow! This leaves IBOs with nothing but broken promises and empty wallets. No worries with Pro?tClicking! The mathematical formula is inde?nitely sustainable and backed by our exclusive Million Dollar Challenge!
No Potions, No Lotions, No Gizmos, No Gadgets
One of the many factors that sets ProfitClicking apart is the fact that you don’t have to share this with everyone you know to earn money. We have no lotions, potions, gizmos or gadgets that you have to sell to your friends and family. We believe that with something as amazing as ProfitClicking, people will share it because they are excited, and want the people they know, love and trust to experience the same excitement.
If you agree, then hang on to your seats because you can generate a serious additional income when you share the ProfitClicking Opportunity! Use one of the creative and beautiful advertisements on your website — they link directly to your referral address. See them at: http://www.profitclicking.com/dashboard/build-my-business
/approved-advertising/banners You will earn 10% from your direct referral’s Ad Package Purchases and 5% from the purchases made by people they refer. Sharing has never been more profitable!
Social Media Updates
ProfitClicking‘s Social Media sites just keep growing, and growing! Don’t miss out on all the fun — find the Profit clicking site on your favorite social media site. We are adding more everyday!
Facebook —
Our official Facebook page has nearly 20,000 fans! Be sure to check it out!
Twitter —
ProfitClicking’s Twitter page has nearly 5,000 followers! Come tweet with us!
LinkedIn –
This is a great place to make business contacts! Follow ProfitClicking on LinkedIn:
Rather watch videos?
Remember to subscribe to both of ProfitClicking’s video sites:
YouTube — http://www.youtube.com/user/ProfitClicking?feature=watch
Check both of them often, as new videos will be uploaded in the near future!
It’s the Right Time, and ProfitClicking is the Right Place!
ProfitClicking is Simple, Fun, and Easy For Everyone!
Whether you are earning your first dime online or you’re a full-time internet business guru – we love paying you and helping your online business grow!
We challenge you to find any program that’s easier to make money with than ProfitClicking!
Here’s To Your Success!
ProfitClicking Executive Team”.


The interesting topic of money multiplication was one of the main subjects of the latest newsletter from PrimeX7 (reviewed here) which pays 7% for 23 days, 157% after 7 days, 207% after 14 days, 267% after 21 days, 307% after 28 days starting from $10 to SolidTrustPay, EgoPay, LibertyReserve or PerfectMoney. The admin with the odd nickname Blue (a member of Blue Man group, lol?) talks of the successful completion of the 7 and 14 day cycles. The returns offered by PrimeX7 are extremely high and therefore the risk is even higher, but it looks like for those who took the gamble on the first day the risk was justified and they are well in profit. So what are you waiting for, guys? With such a dedicated admin he can multiply your money like a magician, and not only for you, but for him too. Sorry for my sarcasm but after reading the part about the ForEx trading professionals I simply can’t help it. But here’s to PrimeX7‘s health:

Manage Your Wealth and Multiply it with PrimeX7
Your wealth is like running water, you need to direct it and multiply it in the right way so that it brings you the prosperity you want. PrimeX7 helps you do just that and much more. We at PrimeX7 believe in money multiplication and the management of the wealth you have. I would like to thank all the investors who have trusted us so far and those that will be doing so in future as well. When you invest with us, we assure you that earning money will never be stressful again. Your kind support and investment has helped us and will continue to help us in serving you. Hence we encourage you to keep investing in the various plans we offer and change your life for the better.
Our New BenchMarks
We are a wealth management company who believe in offering various investment options to our clients. Our professionals have a huge experience in Forex and know exactly where your money would multiply at the earliest. Our various investment plans have been helpful for many of our clients and because of that we have managed to attain new bench marks in business.
We have been able to successfully complete the 7 days cycle 2 times and the 14 days cycle 1 time.
Why Trust Us?
We are built on the trust of out investors and we will continue to grow larger, hence multiplying the investor’s money with us.
• We at PrimeX7 believe in stability and when we are stable your investments are stable.
• We also offer you the best of investment plans as per your needs and requirements.
• Different people have different financial portfolios and hence there are various investment plans available for various portfolios.
• There are some unique investment plans which will fit any kind of portfolio, large or small.
How do you begin without any investment?
When you are interested in multiplying your money but have not invested in PrimeX7, you can still be part of our team and earn, just simply share your REFERRAL LINK to your FRIEND, FAMILY and etc for a 7% Referral Commission. The easy to comprehend website would take you through the process smoothly and help you become a prime investor with us. Registering and Referring your Friends and Family with us is FREE.
All financial details and personal details are absolutely secure with us and we believe in the confidentiality of our investors.
What to do once you invest…
Once you invest with us and you see the easy way in which your money multiplies, you will earn our trust and you can recommend us to your friends and family. Help them grow their wealth as you did with yours. As your investment multiplies, you can begin to invest your money the way you think it should be invested.
Stay in our program and we would take care of you and your money like it was ours.
Show us some support and LIKE on https://www.facebook.com/Primex7
To Your Success,
Admin – Blue”.


The newest program on MNO HotBestFund that just launched today is very simple and uncomplicated. There is only one investment plan available paying you 5% for 30 calendar days with the principal returned on expiry. Payment processors include SolidTrustPay, EgoPay, LibertyReserve and PerfectMoney and the minimum to invest starts from $20. Payouts are done within 24-48 hours of request. HotBestFund is running off a licensed GoldCoders script, the site is SSL secured by Comodo, and hosted on a dedicated server from Snoork hosting. More will be in the review on MNO soon!


The second program to join MNO Premium Listing is 4FXInvestment. It’s a program flying under the radar for some time before rising to fame with a new design and investment plans. The history of 4FXInvestment starts in January 2012 when the programs officially started according to forums and some monitors. I don’t think it was especially popular that time so in October 2012 the program underwent a complete design overhaul which made it a lot more appealing. The investment plans were changed in favor of faster profits and more attractive plans paying from 11% to 14% for the duration of 10 business depending on the size of your investment with which can be as low as $10. After LibertyReserve and PerfectMoney 4FXInvestment also started accepting SolidTrustPay which is undoubtedly the leader in the HYIP industry now and especially popular one among the US and Canadian as well as European investors for its multiple direct deposit and withdrawal options. And now 4FXInvestment is on MNO too and will be reviewed in full on Thursday. It runs off a licensed GoldCoders script largely modified to suit the program’s needs and it looks really special and unrecognizable from the member’s area. On the security side of things 4FXInvesment excels with GeoTrust SSL-encryption and hosting on a dedicated server with BlockDos protection. More about the features and my view on its possible success will be on my blog very soon, so stay tuned for that.


A number of programs stopped paying for the last couple of days and have been moved to Problem status. I will start with two pretty low quality programs which didn’t surprise me by scamming fast were nothing special in the first place. I didn’t expect much from either BYW30 or OdoFx. They were both low quality and equally unpopular among MNO readers, so it didn’t take them long to scam. While OdoFx lasted 25 days with a long-term plan which obviously brought nothing but losses, BYW30 was even worse and managed to pay for five days only barely finishing one 4 day cycle. But the biggest blow might be ROInvest from which I received a couple of complaints from my downline today. Of course the admin was contacted by me, but as I haven’t received a response from him yet and the usually instant withdrawals to PerfectMoney are pending for some hours and to EgoPay – for over 24 hours I believe the outcome tomorrow might not be so positive. I would urge you not to invest in ROInvest under these circumstances and am still hoping to get an explanation from the admin. Otherwise the program will be called a proven scam.


Two programs going to Problem Status on MNO are IntraFunds and RightFive. The bigger of the two, and by far the bigger disappointment for that matter, is RightFive. Granted the program was online long enough for a good number of players to be in profit so in that sense it wasn’t a 100% failure, but I can’t help feeling there was so much untapped potential just gone to waste in this one. To give you some brief background information RightFive first launched in mid August and offered terms of 5% for 30 days, 110% after 7 days. This was maintained for 60 days so like I said, it wasn’t a complete disaster but I doubt that’s of much comfort to the most recent investors who failed to break even. Initially RightFive only made payments from Monday to Friday. You still earned interest on weekends, except the admin didn’t allow you to withdraw it until Monday. Later on this was changed and members were allowed to withdraw on Saturdays as well (though still not Sunday). This carried on for two successive weeks until the first cracks appeared in the program, and I must say its demise was very rapid after that. The first sign that something was wrong came when Steve the admin said he was unable to process payments on Saturday due to “internet connectivity” problems. Ironically he had no problems in connecting to the internet in order to make the announcement!

OK I suppose. Some people were dubious but at least the admin gave a definite time and date for the resumption of payments. And given that processing payouts on Saturday was bit of a novelty to begin with, most people would close an eye to this on condition that the admin kept his word and did get back to business on Monday as promised. I mean he went this long without leaving us down, so why not give the guy the benefit of the doubt this once, right? I mean it’s not as if we as investors could do a whole lot about it if you didn’t like it anyway. But then Monday rolls around and what happens? Nothing. No payments and a lot of disgruntled RightFive investors, and with every right to be so. Instead of the promised payouts today members were instead greeted with the following message posted on RightFive‘s Facebook account:

Sorry but we have to announce that we are officially closed.
Some investors, you know those without a life, sitting the whole day in front of their computer counting pixels and whatsoever, because life is boring them so much, killed our program by speculating the whole day about paying or not paying, posting nonsense here and poppycock there.
So we decided to close our venture down for now – but will be back outside the HYIP arena soon.
Thank you for your kind support!

OK then, that explains everything. Apparently it’s the investors fault. Thanks for clearing that up Steve, good job!

Apologies for the sarcasm, I know it doesn’t help the situation, but honestly that update deserves some kind of prize for the biggest load of garbage. Investors did not kill the program by “speculating about paying or not paying”. In fact there is NO speculation here at all. The RightFive admin explicitly stated that payouts would resume on Monday morning. They did NOT resume. This is a fact, not speculation. So when Steve accuses others of spreading panic, I’m afraid the one person squarely responsible for this is him and not the members who reacted fairly to being lied to. Simple as that.

But just one other quick note to let you know the true character and calibre of the people running RightFive, and this will hardly come as a surprise to those used to dealing with HYIP admins – despite the admin’s statement that he “closed” the program, in actual fact the RightFive website is still online and still collecting new deposits from investors unaware of the current situation! New deposits that he has zero intention of paying interest on, or returning to their rightful owners with an apology that the program has ceased trading. In fact in a bizarre coincidence as I sit writing this I have the radio on in the background. They just played Alice Cooper’s “No More Mr. Nice Guy” which couldn’t possibly have been a better more fitting tribute to an admin who blames his own members for the program’s collapse, then continues to happily swindle money from others. Stand up and take a bow, Steve!


Less of a surprise, though no less easy to bear for the members, was the collapse of IntraFunds. To be honest this one was a train wreck waiting to happen right from the start. I mean it looked OK when it opened but it quickly became apparent that the admin was woefully inexperienced and seemingly making the whole thing up as he went along with out any definitive business plan. The thing is that IntraFunds started life as a promising long term HYIP with plans running for 60 and 90 business days, but when the admin decided he wasn’t making money fast enough from this he dropped the 90 day plan in favor of of all things a 5 day plan. This was enough to sound alarm bells with most experienced investors, and if they had been thinking about joining IntraFunds before, this put a definite stop to it. In fact I even warned the admin not to do it when he asked my opinion, though why he asked when he clearly had no intention of listening I will never know. Maybe he just wanted someone to agree with him, I don’t know, but in this case this person was certainly not going to be me. IntraFunds slowly dragged on like this but it was clear that the momentum was lost and an opportunity to run a successful and profitable program was lost.

Things came to a head over the weekend when Jacob, the IntraFunds admin, announced over the weekend that there would be a two day moratorium on payouts to members. The reason for this decision? He was taking a trip! No, not into the darkest rain forest, but to Cincinnati. Apparently two days in a major North American population centre is not enough time to establish a working wi-fi connection from which you can work with a laptop. Needless to say during this two day hiatus in the wilds of this remote abandoned village IntraFunds was going to continue accepting new deposits as usual. No problem there then, but if the admin is new to this business then the investors are not, and this didn’t sit well with them at all. The following day, Jacob was (surprisingly!) online so we can only speculate as to what the problem with processing members payments really was because it certainly had nothing to do with him not accessing an internet connected computer.

Mercifully Jacob has now decided to put a stop to the farce and has closed the program completely. RightFive admin take note – IntraFunds has really closed, the website is offline, and no further deposits are being accepted. Commiserations to those who lost but I have to say kudos to Jacob for doing the decent thing here and not attempting to steal anymore money from investors who haven’t been following the saga. In fact he has apparently made some effort to refund a number of members active on the MNO ShoutBox. Jacob had been active there when his program was running, and based on this alone I have decided not to ban his account from my ShoutBox for the time being. I’m not really in a position to verify any refunds with 100% certainty, and the cynic in me does have to question the motivation for this because I know refunds are only ever made when they suit the future plans of the admin making them, but whatever. A refund is a refund and if you manage to get one I’m sure you could care less about why Jacob is giving it, so just take it if it comes. Meanwhile any IntraFunds members who can confirm receipt of a refund please feel free to contact me in order to confirm receipt. Jacob says more refunds will follow tomorrow – I don’t know if that’s true – but we’ll see soon enough.


Here is the list of the programs from my monitor that paid me for the last 48 hours:
From MNO Sticky list: SiriusUnion, RoyalUnion, ForexEarn, AgroFinance, TheMoneyGalaxy, ProsperaNova, Phinanci (the first payment received).
From MNO Premium list: NewGNi, Finvance, ProfitableSunrise, EurexTrade, FelminaAlliance, SkyCrown, PerfectFinancePipsFund, MonetaryClub, BensonUnion, DiamondAsset, CarbonDeals, AWTC, TureProfit, NubcoyuProForexUnion, FinanceCore (the first payment received).
From MNO Standard list: PrimeX7, UFOWin, BGTGroups, FastEarn (the first payment received).
From MNO Basic list: 10For25AdsGoldTradeFunds, CheeseCashStallionGold, PerfectLotteryTradingFxInv, HippoWin, RoiChoice (the first payment received).

That’s all for tonight, guys. Sorry for the longer than usual update as I have been making up for the lack of news and analysis last night. Thanks a lot for reading MNO and for all the support you’re showing to my work in the personal emails to me and in my ShoutBox. I will keep updating you on the latest news from the HYIP industry and will have a review of FinanceCore too. Stay tuned always be on the money with Money-News-Online!

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