Oct 30th, 2012 Archives

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

Good afternoon everybody! After taking a break from the news updates yesterday I find myself with a bit more than usual to catch up with today, so I’ll be posting twice. I want to start things off with a new medium term program called InvFuture that’s just joined the MNO Standard List and take a closer look at the plans and some of the other features there. You might (or might not) find something you like in there, so keep reading and find out. I’ll just begin by telling you that InvFuture is brand new and has only been online since the middle of last week.

You have two investment plans to choose from in InvFuture, though I have to say one of them isn’t really a serious option as we shall see. They’re also not described particularly well on the InvFuture website and could very easily be misunderstood or confused with something else. The thing is that the plans are described as making daily payments for a term of 28 calendar days, which isn’t entirely accurate. The terms do in fact run for 28 calendar days for both plans, they just don’t pay you that way. Payments are made on business days only, Monday to Friday, so there are only 20 payment days in the terms and not 28 as you might have though at first glance. But anyway, now that that’s clear you can join the first InvFuture plan for a minimum deposit of $10. In return for that you’ll get paid 7% interest per day for 20 business days. That adds up to a total return of 140%, and InvFuture are counting your original principal as part of that so it’s your own money back plus 40% net profit.

The second plan is almost identical, but here’s the problem. It runs for the same term but pays a higher rate of interest. That’s fine but it costs a $20 minimum to join, and that means that if you’re going to spend anything over $19 which I’m pretty sure the overwhelming majority of you do, that the first plan becomes totally redundant and utterly pointless. I mean why spend 20 bucks or more in return for 7% interest when you can get 8% from this second plan? But anyway, that’s how it goes. For a term of 20 business days InvFuture are offering 8% per day on deposits of $20 and upwards. This will add up to 160% in total, out of which InvFuture are already counting your principal. So that’s your own money back plus 60% net profit. Maximum spend is $25,000 by the way.

While the plans could be better organized or even better thought out, the payment options are fine with InvFuture including all the popular processors used in the industry today. You can sign up through SolidTrustPay, EgoPay, PerfectMoney, or LibertyReserve. Payouts to members are made manually by the admin and need to be requested from inside your InvFuture private account area. Once you’ve submitted the request you will have to allow a maximum of 48 hours for the transaction to be completed, keeping in mind that there are no payments made at weekends. There’s nothing to stop you from asking of course, just don’t expect to receive it.

I gotta be honest with you here and say I’m less than convinced about the InvFuture security plan. I mean every online program has its holes but this one I’m afraid just has too many issues to be taken seriously by a mainstream audience. A couple of the main features are OK, just like you might expect in any online HYIP. Such as the SSL encryption, or the licensed GoldCoders script for example, which are standard for for most HYIPs. Where InvFuture really lets itself down though is with the hosting provider. At the moment this is Snoork and at the present time they don’t have a great deal of credibility in the industry as has been proven by recent examples. I mean maybe they’re fine in “the real world” but they just don’t convince me they’re equipped to deal with the frequency and ferocity of DDoS attacks that are commonplace in the HYIP industry. Other programs that have used them in the last year have either closed prematurely or have has to move completely to a different provider early enough into their lifecycle to survive, so I expect either one or the other (hopefully the latter, though the program has already moved from another cheap host once and this one is no real improvement) from InvFuture before long. If you have any further questions about this, any aspect of the program and its plans, or any account related issues then the InvFuture admin can be contacted by filling out the online support ticketing form and submitting it via the contacts page. Buttons linking to Facebook and Twitter are a bit misleading as they only take you to the respective homepages, InvFuture not having active accounts on either network at the time of writing.

As for the business plan behind the whole thing and financing these activities, forget about it. Texts are a straight copy/paste job taken directly from another highly successful HYIP that I don’t need to mention here, but it’s the best that InvFuture and 99% of other programs will do to dream about being as big as that one. I suppose if you’re going to copy then copy from the best (probably why I find so much of my own work “borrowed” on other websites, lol!), but don’t look for anything serious there either. Treat InvFuture with the same caution you would any online HYIP, under no circumstances spend more than what who can comfortably afford to lose on any gamble, and of course if joining at all then try and do as a smaller part of a wider more diverse portfolio.



PerfectFinance (reviewed here) is still growing fast and yesterday the program celebrated its first month online. During this time they managed to establish themselves as a reliable program paying 2.7%-3% returns for a 60 day term with principal back on expiry. In most cases the clients of PerfectFinance are getting paid instantly to LibertyReserve, PerfectMoney, EgoPay and SolidTrustPay accounts which is also a good thing and an advantage over competitors. In just a few more days the first investors of PerfectFinance will reach their break-even point and see the first profit, but even now I can see that the program is getting more popular day after day and already reached the #7 position on MNO’s Premium list of 26 programs which I believe is a very good achievement for a long-term program. Of course the admin didn’t miss the opportunity to celebrate the success of his program and yesterday he issued the third newsletter where he gave some recent stats on investors’ participation, explained how to get answers to the most common questions about PerfectFinance, mentioned the recent STP issues when some deposits didn’t appear in members’ accounts instantly after they were made, and announced the start of the representative program soon. Please read the recent news from PerfectFinance in full below:

PERFECT FINANCE #3 Newsletter – 29. October, 2012.
Dear investors and website promoters of PerfectFinance Limited,
With this announcement we would like to take a chance and express our gratitude to all of our current members, who have chosen PerfectFinance Limited for their ultimate business partner online. This is our third newsletter addressed to all registered clients of our website. As always, you can read our newsletters and important updates at our official news page here: https://perfectfinance.biz/news and our official blog here: http://perfectfinance.info
1) PerfectFinance – First Month in the Online Investment Business.
Today, Monday the 29th October, is a very special date for PerfectFinance Limited. It is exactly one month ago when we launched our investment program online, making it possible for people to achieve their financial goals in the most modern and hassle-free way. Our investment program is already well recognized among online investors and is getting the number one choice for their online asset management. We are looking forward for a long-lasting cooperation with our existing and potential clients. We should mention that institutions and small businesses alike also chosen PerfectFinance for their asset management and business instrument to grow their funds.
2) The Recent Rapid Growth and Statistics of Our Investment Project.
As of now, PerfectFinance already serves over 6000 active investors from all over the world. Our investors already deposited over $820,000 and we aim to reach the 1 Million USD mark very soon. With your support and cooperation this won’t take too long due to the recent rapid growth of our investment company. We believe that our company’s transparency and high customer service level is the reason why we stand out from the crowd. PerfectFinance does not provide you with unrealistic and fake information about statistics like many does, therefor we are receiving tons of positive feedbacks from our customers thanking our business approach.
3) Reminder About Frequentely Asked Questions Page.
We are constantly receiving the same questions about the nature of our business model, how long it will last, whether one can refer family members from the same computer and so on. It is also important and useful for our existing investors to read this information: https://www.perfectfinance.biz/frequently_asked_questions
Should you have any question that is not answered there, please feel free to contact us by calling our company, submitting the support ticket or chatting with our live chat operators. They will guide you trough the investment procedure from basic to most complex questions. Please visit the support center here: https://www.perfectfinance.biz/support
4) Recent SolidTrustPay Issues.
It is also important to address the recent issues with SolidTrustPay transactions. Some of you noticed missing deposits and pending withdrawals when they used to be instant. Please note that the problem is not related with PerfectFinance‘s functionality or whatsoever; STP is undergoing maintenance from time to time and/or is performing upgrades and that causes the mentioned issues. However, missing deposits are still being credited manually to your account upon submitted support ticket or live chat session about the case. We all hope that STP will resolve this soon so we all can have a smooth and stable operation of investing and withdrawing the funds with this e-currency.
5) Preparing the Regional Representative Program.
Many investors wanted to apply as regional representatives for our investment program in their country, to promote our investment program and help new investors understanding the functionality of PerfectFinance. The program is currently being planned and everyone will have the chance to become the official representative of PerfectFinance. One will have the chance to promote us by organizing offline seminars, answering potential client calls and e-mails. Representative will be required to understand the functions and structure of PerfectFinance and it’s investment plan. We will send the application form and requirements to all our customers within the next days.
We are looking forward for the next successful and fortunate business month at PerfectFinance and all it’s clients. You can expect more support languages and contact options at our website in the near future as well as other great additions that you will enjoy. Thank you for your trust and cooperation with PerfectFinance Limited.
“The man who will use his skill and constructive imagination to see how much he can give for a dollar, instead of how little he can give for a dollar, is bound to succeed.” – Henry Ford
Think positive, think outside the box and you will always succeed at what you do – this is our own ideology here at PerfectFinance staff and employees.
Best Regards, Christopher Walters. PerfectFinance.


Some admins are very shrewd and are always ready to get more “holidays” for their programs where they don’t have to pay to investors and thus save money to run their programs for longer. I don’t remember any other program online mentioning Hurricane Sandy currently battering the USA except for FelminaAlliance (reviewed here). The administration announced Monday and Tuesday as days when no interest would be credited to members instead of the regular 1%-1.6% paid for 180 business days with principal back on expiry. I guess it’s ok though as things like this help make FelminaAlliance such a long lasting success that has been online since July 2011 and still paying profits EgoPay, PerfectMoney, LibertyReserve and even to direct bank accounts. So, let’s drink to the future health of FelminaAlliance so no storm could break its performance which put them among the Top 5 most successful programs on MNO:

[FelminaAlliance] Official Newsletter
This is an official newsletter from FelminaAlliance Inc.
Due to Hurricane Sandy approaching the New York area, no US stocks and bonds will be traded on Monday and Tuesday. The official statement has been made by NYSE.
Since our operations are dependent on the US stocks and bonds, no interest will be paid on Monday, October 29, 2012 and Tuesday, October 30, 2012.
Interest payments will resume on Wednesday, October 31, 2012.
Please do not hesitate to contact us should you have any questions and need help with anything. Your thoughts on how to improve our website and the services we offer are more than welcome.
Best Regards, Marketing Department,
FelminaAlliance Inc.


DiamondAsset (reviewed here) mentioned delayed withdrawal requests a couple of days ago clients who invested in the 1.8%-2.5% for 120 business days plan with principal back on expiry via SolidTrustPay due to the instability of the STP website. Now the problem is resolved so all pending withdrawals to STP have been completed and DiamondAsset pays to all payment processors – SolidTrustPay, EgoPay, LibertyReserve and PerfectMoney – without delay. Please refer to their update below for more info:

STP Withdrawals Has Been Completed!
Dear Client,
We are delighted to inform you that all STP pending withdrawals has been completed. Mean while, STP has issued an UPDATE on Twitter regarding their website downtime over the weekend. Below is the UPDATE.
STPay came under DDoS attack over the weekend but the attack has been mitigated-access should be back to normal. Thanks for your patience!
Thank you for choosing DiamondAsset.


RoyalUnion can be safely considered a scam now, after the admin suddenly introduced a new plan paying 200% after 3 days and stopped instant withdrawals. Obviously the new plan is an old trick used by many HYIP admins to attract more money just before they scam. However, in this case we saw two things – the introduction of a new “too-good-to-be-true” plan coincide with the stopping of payments which if anything made it even more blatantly obvious what was going on. No further investments in RoyalUnion are recommended it’s a 100% scam now, though I can’t say it’s been a bad program as at least it lasted for one full cycle and brought profits to some members who invested in the 45-day plan. Here is the farewell newsletter I received from RoyalUnion yesterday:

“Today we have honor to launch our new investment plan, it’s called “200% after 3 days”. Minimum investment for our new plan is just $500 and maximum is up to $50000. All four e-currencies are accepted:LR; PM; STP; EP. Don’t miss this fantastic opportunity, plan will be available only for limited time.
Best Regards, RoyalUnion.”


SkyCrown is not showing any signs of life after their server was severely attacked over 24 hours and the site is offline. I’m not sure what can be done at this moment but I know that such long attacks can really exhaust a program’s cash flow and unless the admin manages to regain the trust of the current and future investors by resuming payouts very shortly after the site returns they might be in serious trouble. Let’s hope SkyCrown (reviewed here) will escape such a sad fate and that the admin Nick (interviewed here) will be able to get back to work with the payouts as soon as possible. Here is the latest update from SkyCrown paying from 3% to 3.5% for the duration of 50 business days posted on Facebook recently:

Our website has been under extensive DDoS attack since last night.
We are working closely with our host to have this under control as soon as possible.
Once this issue is resolved, operation will resume as usual. All due interest will be automatically calculated and payments made without delay.
No information or data loss occurred or will occur. There is absolutely no danger of this happening.
On behalf of our team, I would like to thank all our members for bearing with us during these tough times.
Nick Seltzer, Online Identity Manager”.


AustralianBusiness Group was recently added to my Standard list. The program can by no means be considered as a new one having been online for five months already. That is even more staggering to see that it managed to survive and is still paying on a variety of plans with deposits accepted only via LibertyReserve and PerfectMoney – 1% for 15 business days, 1.4% for 30 business days, 1.8% for 55 business days, 2.2% for 80 business days. Please note that the principal is going to be returned on expiry of each plan. I believe that the success and the long life of AustralianBusinessGroup made it possible by their gradual advertising strategy and the fact that the only came to MNO in five months time confirms my theory. The site of AustralianBusinessGroup looks kinda average but in my opinion it has all the essentials to maintain its work for a long time – it’s SSL-secured by Thawte, is hosted on a dedicated server by BlockDos and is running off an original and custom script. The site is also bi-lingual – English and Russian – which I suppose may indicate the Russian roots of the real owners rather than English as the Russian version is grammatically more correct than its English counterpart. Anyway, I hope that AustralianBusinessGroup will run for several more months and that it’s not too late to join. I will try to look at the program in more detail soon.


Another program to join MNO’s Premium/Sticky listing last night is FNOCapital. Despite running for a few weeks already it seems it hasn’t been noticed by the wider community of investors yet, obviously due to a lack of advertising. Well, if the admin decided to advertise his site gradually then MNO is the right choice to go as I believe that if a program proved itself to a relatively small amount of investors it can expand. Unfortunately a major drawback to FNOCapital is acceptance of only LibertyReserve and PerfectMoney which will not attract investors who prefer STP or EgoPay, but I hope that the admin will consider this and add more payment processors in the future. I quite like the investment plans which are mostly profitable and sustainable, although they are all paying only at expiry, so you have to wait before requesting your first profit – 108% after 3 business days, 123% after 6 business days, 200% after 17 business days, 470% after 33 business days, 1350% after 53 business days. The payouts are paid within 24 hours of request, so please allow the appropriate time. FNOCapital is running off a custom-made script though apparently heavily influential by GoldCoders, is hosted on a dedicated server with DDoS protection by Koddos, and is properly SSL secured by Comodo. The site is available in three languages – English, Spanish or Russian. More on FNOCapital will be in my review after I receive my first withdrawal on expiry, so stay tuned for that!


Here is the list of the programs from my monitor that paid me for the last 24 hours:
From MNO Sticky list: ForexEarn, Phinanci.
From MNO Premium list: NewGNi, ProfitableSunrise, PerfectFinanceCarbonDeals, PipsFund, Tivsol, BensonUnion, AWTCDiamondAsset, ProsperaNova, FinanceCore, StallionGold, LLLtd, TureProfit, ProForexUnion, MajesticProfits, Finnexia, CaspianCapital (the first payments received).
From MNO Standard list: UFOWin, FastEarn, BGTGroups, InvFuture.
From MNO Basic list: 10For25Ads, DebtReliefLimited, PerfectLottery, XtremeRichness, InvestLand.

That’s it for now, guys. Please check MNO again in about 12 hours when I’ll have the second review for today and any further developments from the HYIP industry. Stay tuned for that, everyone, and see you back here soon!

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