Oct 18th, 2012 Archives

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

Hi everyone! Not quite so hectic a day as yesterday for news stories, but I still have a ton of new programs on my monitor to get through for you over the next week so still plenty of work and I’m sure plenty that might be of interest to you. Even if they may not all be programs you’d want to join I’m sure you’d be interested in at least knowing what they’re all about so you can at least consider them. The one I’m continuing with today is a medium term HYIP called FinanceCore which has a fairly good spread of plans if you’re a fan of such programs. Other features to FinanceCore are a bit mixed but I’ll get to them as we go.

Starting with the plans however, FinanceCore have six of them in total which can in turn be divided into two sections – low ROI plans that pay you by the day and return your principal on expiry, and plans with a more generous ROI but include your principal as part of the payments. So let’s go through them all ans see which, if any, might be suitable for you.

The first plan, called The Classic 20, runs for 20 calendar days. You can sign up for a minimum deposit of $10 and in return receive a daily interest payment of 1.7%. You don’t actually see any profit before the plan matures because FinanceCore are waiting for that before returning you principal. Your payments should add up to 34% net profit and the maximum deposit is $200.

Investors looking to spend more than that, starting from a $201 minimum, are offered what they call The Classic 25 plan. As the name implies the term runs for 25 calendar days and FinanceCore reward members with a daily interest payment of 2%. On expiry of that your initial investment is handed back, leaving you with a 50% net profit. Again please note that you do not profit until after expiry, and the maximum spend is $1,500.

Lastly in this category is The Classic 30 plan, open to deposits between $1,501 and $25,000. Joining this plan sees FinanceCore offer members a daily payout of 2.2% for 30 calendar days, adding up to a net profit of 66% before your own money is then added to that.

The second group of plans start with The Progressive 30 Plan, which runs for 30 calendar days. Investments start from a $10 minimum and in return FinanceCore offer members a daily payment of 4.5%, except this time your initial principal is counted in the payments. So your total earnings will add up to 135% this time, or your own money plus 35% net profit. Maximum spend is $200.

Next up is The Progressive 35 Plan, open to deposits between $201 and $1,500, and running for a term of 35 calendar days. FinanceCore make a daily interest payment of 4.5%, the same rate as the previous plan though with an extra five payments, adding up to 157.5% in total. This includes your own deposit already which won’t be returned, so it’s your own money plus 57.5% net profit.

And finally for the big spenders prepared to play with at least a $1,501 minimum and up to a $25,000 maximum, FinanceCore have The Progressive 40 Plan. The term extends to 40 calendar days, though the daily interest payment stays the same at 4.5%. At this rate you can expect to complete the term with payments totaling 180%, and as FinanceCore are counting your principal as part of the daily payments that’s your own money back plus 80% net profit.

At this point I guess I should say, and I do think I’m pointing out the obvious here, the second group of plans are clearly the better option for investors. They cos you the same to join, they make a bigger daily payment, you break even before the plan expires, and you finish up with a better return. Granted that on a profit per day ratio the first group of plans looks to be more appealing, but I think the fact that you can break even faster in the second group of plans is enough to make that a far more attractive and even downright more sensible option.

Like I said at the start some of the features in FinanceCore are mixed at best, and one thing I have to say I was very disappointed with is their meagre selection of payment options. While the admin does make the claim in the program’s FAQ that he may extend these options at some point in the future, for the sake of this review I can only comment on the program as I find it in its current state today. And right now your options in FinanceCore are limited to just LibertyReserve and PerfectMoney so I don’t see them becoming a major name on every investor’s list until this is expanded. There is nothing to indicate when this will happen or if it’s just idle talk from the admin and unlikely to ever actually happen at all. But we’ll see soon enough and if it does happen then keep an eye on MNO because this will be the first place you hear of it. Meanwhile payouts to members are made manually upon request from inside your members account area. Once done the admin requires you to allow a 24 hour maximum for all transactions to be processed fully.

FinanceCore is running off an original and custom made script but it is extremely similar to GoldCoders, at least in appearance anyway so it’s probably loosely based on it too I suppose, meaning members won’t have too many problems navigating the site. FinanceCore is SSL-secured by Thawte and hosted on a dedicated server. So far so good but this is where things really start to get a bit weird. For some bizarre reason best known to himself the admin refuses to give any details about the hosting provider or the DDoS protection. In the absence of any verifiable information we can only speculate as to why an admin wouldn’t want to reassure his members that his website is secure, but whatever the reason is I can’t possibly think of any good ones. He mentioned that FinanceCore is properly DDoS protected, but I can’t really confirm that. For any further questions about the program or if you have any issues related to your account there then the admin can be contacted by either writing directly to the e-mail address provided or by filling in your details in the online support ticketing form and submitting it via the contacts page. FinanceCore also have a telephone number listed if you’d care to try it and are looking to speak to someone directly. For answers to you questions or problems in real time FinanceCore have a Live Chat feature where you can chat directly with the admin if he happens to be online. There’s nothing to indicate exactly what the working hours of the chat are but I do know that it does at least work.

Website content and texts are original in the sense that they’re not copy/pasted from another HYIP which is always welcome, though not all that original in terms of what they say about the program and its business activities ie nothing we haven’t seen and heard a million times before. For your information the business allegedly behind FinanceCore, well, it doesn’t really get explained much further than “an investment company”, which is pretty much a description one could apply (were you feeling generous!) to just about any online HYIP. So I’d have to say you shouldn’t be treating FinanceCore any differently and should behave as such. That means following the usual safety guidelines but with particular reference to your money never spend more than what you could comfortably afford to lose and if joining FinanceCore then try to at least keep them as a smaller part of a wider more diverse portfolio.



The Phinanci admin announced the MNO review of his program published last night which you can read here. It was mentioned in the short update sent to the members of the program just a few hours ago:

Short Update
With great please we would like to announce the review of Phinanci featured on the famous Money-News-Online blog. You can read the full review here – Money-News-Online
Regards, Team Phinanci
Follow Phinanci on Twitter and Facebook”.

By the way, having so much news last night I completely forgot to post the first newsletter from Phinanci containing information on the addition the TrackEgg service, a warning to cheaters creating multiple accounts, and an invitation to watch the program’s growth via Alexa. I remind you that Phinanci accepts LibertyReserve, PerfectMoney, SolidTrustPay and EgoPay for two investment plans – 120% after 20 days and 3% for 50 days with principal included. So far Phinanci has been paying fine for the first four days and I’m looking forward to a hopefully long and profitable run for the program. Here’s the first newsletter from Phinanci in its entirety:

Exclusive service
Phinanci is happy to share with you TrackEgg (http://trackegg.com) – exclusive free service that allows you to track investments for all your programs in one place. This is done by a fully automated website that calculates and displays all your investments in easy to read graphs, charts and tables.
There is a variety of useful tools: payment processor calculators, specific program strategies/spreadsheets, referral link tracker and even an automatically created page that allows a user to advertise all of their referral links on one page.
This service is exclusive to the industry and there is no one else offering a similar product. It would significantly benefit you in building and tracking your portfolio investments.
Please take 3 minutes to browse through the website (http://trackegg.com) and watch the introduction video on the homepage.
The 120% after 20 days plan pays off only after 20 days. Therefore, you need to wait for the full 20 days to pass in order to see earnings in your cash balance.
We pay on calendar days and your principal is included in the payments.
If you are caught in self-referring activities your account will be penalized. We have a software system in place that can track all accounts that are involved in such activity. Refer to our FAQ for more information.
Growing community
We are proud to announce that our membership is expanding at a swift rate. We started a broad advertising campaign to open new doors in furthering our activities
Our Alexa rating is showing a significant growth in traffic. http://www.alexa.com/siteinfo/phinanci.com#
We would like to thank all members who are promoting Phinanci and contributing to the overall success and expansion of the program. Needless to say, we are happy that you chose to be a part of this project and will do everything to sustain it and bring it to another level of success.
Regards, Team Phinanci
Follow Phinanci on Twitter and Facebook”.


For only a few days online and since the review was published on Sunday (click here to read it) CarbonDeals has experienced huge growth. I don’t know what exactly drew so many members to them but the fact remains that a lot of investors seem to find this program fascinating and at least worth looking in to. It’s no wonder that CarbonDeals managed to reach the top ten most popular programs on MNO’s Premium list and continues its impressive growth with over 1000 registered members already. The investment plans offered by CarbonDeals will satisfy the tastes of most investors I believe due to its huge variety – 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. All plans can be joined for a $20 minimum via all the popular payment options – LibertyReserve, PerfectMoney, SolidTrustPay and EgoPay. By the way, be sure to confirm the correct e-currency account numbers in your profile to ensure proper payments. The admin of CarbonDeals Peter also mentioned recently that payouts can be credited anytime during the day and not necessarily at the same time you made your deposit. Finally, note that there will be some maintenance work on the site performed every Saturday to ensure stability. Recent news can be read in the latest update from CarbonDeals sent today:

Important Notification
Esteemed Members,
During these first few days online, we have barely had time to breathe. Our rate of growth is simply astonishing, surpassing even our wildest expectations.
With all due respect to seniority, we would like to say that CarbonDeals is the fastest growing opportunity available today.
We have passed the 1000 members milestone and numbers are constantly accelerating.
Due to the very high exposure we are getting, your help would be greatly appreciated, to keep everything running as smoothly as possible:
1. Please make sure you have entered your correct payment processor account under Your Details. It must be the same account you will be depositing from for the deposit to be processed correctly. Needless to say it must be correct for you to receive cashouts. Please double-check.
2. Your daily earnings are generated at slightly fluctuating intervals each day. Please be patient when waiting for one to arrive. 24 hours will not pass without you having received a payment and the investment will not expire without you having received the entire profit you are due.
We will also have 1 hour downtime on Saturday, for routine maintenance, to ensure good ongoing functionality.
Thank you for choosing CarbonDeals. I am sure you are all going to be very happy with our service.
Best Regards, Peter Neperus, CarbonDeals.


AgroFinance (reviewed here) keeps improving their service to clients and in today’s update more support options were announced. This includes Live chat, Skype and Phone support which you can access by clicking the Support Center button at the top right corner of AgroFinance‘s website. More traditional methods including support tickets via email, and Twitter and Facebook accounts are also available. With so many different points of contact the program is even more accessible to members. By the way, the interview with the admin of AgroFinance might be published on MNO within the next few days, so stay tuned for that, guys. The program accepts EgoPay, LibertyReserve and PerfectMoney to a huge variety of plans all paying on expiry – 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. Here’s the latest newsletter from AgroFinance:

Live Chat, Skype and Phone support added.
Hello dear investors! We are happy to announce that there are new features added on our website: Live Chat, Skype and Phone support. We believe that the communication is the best step to get closer towards our investors and it may solve as well any problem that you would encounter.
Now you have not to wait for a long time for the reply from our Support team. You can Call us, Chat with us on Live Chat and You will be able to Skype with us too. We wish you all a good profit in our project and as we have added Live Chat, Phone Support and Skype, you will get the fast support on any problem you face in our program. As well you may give us your suggestions concerning our website.


Oh my gosh but BensonUnion is really trying hard to promote themselves to investors and push their investment plan of 1.2%-2.45% for 170 business days with principal back on expiry. Nothing wrong with that by the way, it’s the admin’s job to do so and I hope investors expect and demand as much form all programs they join. The first principals were already returned to the first investors and obviously now BensonUnion is looking at other more unorthodox ways to promote the program and the service. Deposits start at $10 via LibertyReserve, PerfectMoney, EgoPay, PexPay or BitCoin. Obviously the program is not getting the attention it deserves so it was decided to give incentives to BensonUnion‘s biggest investors and promoters. Prizes were announced in the latest newsletter from BensonUnion (reviewed here) which are very generous, so you may be tempted to make more of an effort to promote the program Below is the latest news from the admin of BensonUnion Ragnar (interviewed here):

Cash&Prizes giveaway from BensonUnion!
Dear investors! BensonUnion informs about Cash&Prizes giveaway! There will be 3 iPhones 5, 2 iPads and following cash prizes: one $500 prize and four $100 prizes. Representative of the month will be rewarded with $500 as well. The rules are simple! The more you invest or the more people you refer to BensonUnion, the more chances to win! The winners list will be published on the website on Monday afternoon. iPhones and iPads will be shipped to our winners via DHL right away! Stay tuned for next updates from BensonUnion!


It’s always suspicious when an admin suddenly tries to push SolidTrustPay funds to investors to offer them more lucrative rates if they want to give LibertyReserve funds in return. It always looks like a desperate grab for cash before a pending collapse. The admin tries to dump his STP funds which he can’t withdraw because the payment processor won’t allow him. This is exactly what the admin of TureProfit (reviewed here) is trying to do now by offering private exchanges between LR and STP. Please be aware that unauthorized exchanges between members in SolidTrustPay are strictly prohibited and if you try it these funds may be reversed from your STP account as fraudulently obtained. You may then lose this money. So whatever you do, ignore these lucrative deals from HYIP admins who are mostly crooks anyway trying to swindle you. Do not assist them in stealing your money and making you look a fool when you complain. Ignore this offer from TureProfit which is still paying fine on 8% for 50 weeks plan, but reading the news posted on their site I suspect they may be in trouble very soon. Be cautious here and think twice before any dealings with TureProfit. Of course I may be wrong, but I can’t imagine any circumstances under which this offer is justified:

E-currency exchange service.
Now you can use your LR to exchange our STP. Rate: 1 LR=1.1 STP, this means you send us $1 LR, you will get $1.1 STP. More e-currencies exchange will be available soon. If you need, please contact us: http://www.tureprofit.com/?a=support.


As expected ROInvest is a scam now. Payments stopped yesterday and the admin ignores support tickets. ROInvest was a total disappointment and a waste of time, barely managing to survive 25 days and pretending to have a new business model to sustain payouts. I suspected a scam a couple of days ago when the admin didn’t extend the banner on MNO as he intended first. On the following day ROInvest stopped instant payouts and now it’s a confirmed scam. I hope nobody lost too much and advise you not to invest there anymore!


Unfortunately I still haven’t received any explanation from the admin of ProfitClicking regarding the pending withdrawals I questioned the admin about last night. With a stated 7-10 day timeframe for withdrawals, some readers told me their requests were pending as long as 28 days, something that can’t be tolerated. Any program that violates its own terms of service and doesn’t fulfill what’s promised cannot be considered safe and cannot stay on Paying status on MNO. So I have made up my mind to temporarily move ProfitClicking to Waiting (On Hold) status on MNO until payouts are back to normal and readers confirm ProfitClicking is safe again. The program is still popular, but the delayed payouts cannot be justified. Please note that I will be monitoring the situation in ProfitClicking closely and will let you know as soon as they are resolved. That means the review of ProfitClicking on MNO is officially postponed and the news will not be reported as long as the payouts are delayed. I think the majority of MNO readers will agree and support me on that.


As some of you might have noticed MNO recently left Dragonara in favor of another reliable hosting provider AntiDDoS. It not entirely my decision because the service of Dragonara was perfect for the year I was on them, but recently they contacted me to say their policy of not hosting HYIPs was being extended to all HYIP related websites including monitors like MNO. I’m glad to report that I found a very dependable and high quality alternative it in the form of AntiDDoS which was my first choice after Dragonara. AntiDDoS has very competitive prices in the HYIP market plus an excellent 24 hour support team who helped me move to new servers yesterday with almost no downtime. The site should be visible on new AntiDDoS servers for most readers by now but if you’re still seeing MNO on the old servers please be patient and your turn will come very soon. I must say that I’m very satisfied with AntiDDoS as a hosting provider and DDoS protection provider so far, and you might remember that in any HYIP reviews when I mentioned AntiDDoS it was always to be considered a big advantage. I always maintained they provided an excellent service with no major problems that I was ever aware of in the last couple of years since they emerged online, and have a proven track record vastly superior to many more established and better known names in the business. Nothing has happened to change that opinion, and I would highly recommend the services of AntiDDoS to any HYIP, monitor, or related service provider. Perhaps later on I will be able to get an interview with the owner or manager. For the moment though I’m just glad MNO has found a new host on AntiDDoS and look forward a long relationship with them.


Here is the list of the programs from my monitor that paid me for the last 24 hours:
From MNO Sticky list: SiriusUnion, RoyalUnion, ForexEarn, AgroFinance, TheMoneyGalaxy, ProsperaNova, Phinanci.
From MNO Premium list: NewGNi, Finvance, ProfitableSunrise, EurexTrade, FelminaAlliance, SkyCrown, PerfectFinancePipsFund, CarbonDeals, MonetaryClub,  BensonUnion, DiamondAssetAWTC, ProForexUnion, Nubcoyu, 4FXInvestment  (the first payment received).
From MNO Standard list: PrimeX7, UFOWin, BGTGroups, FastEarn, HotBestFund (the first payment received).
From MNO Basic list: 10For25Ads,DebtReliefLimited, StallionGold, RoiChoice, RoyalAdz (the first payment received).

That’s it for tonight, guys. You can expect another review of a new program plus the latest news from the industry tomorrow. See you all then!

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