Nov 17th, 2012 Archives

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

Hi everyone! Hope you’ve all been having a nice weekend so far, whatever it is you’ve been getting up to. There’s not a great deal of news to report on tonight which is OK by me as I need a break from it as well, but I do of course have the important ones you might be interested in. As well as that I also want to start things off this evening with a closer look at a very promising mid to long term HYI program called StartUpInvestCapital. It was online for almost a week before joining the MNO Premium List so you may have heard of it yourselves by now or maybe come across it on one of the main investment forums. It’s way too early for anyone to actually be in profit mind, but so far at least they’ve been a decent performer and that’s basically all we can assess them on. So let’s see what kind of investment plans StartUpInvestCapital have available and what other features they offer members. There may be something in there you find suitable for your own portfolios but whatever else you think I can say that this one is definitely worth a second look anyway.

So the first of four investment options and by far the most affordable is called The Beginners Plan. It can be joined for a $10 minimum and funs for 25 business days (five weeks). During that time StartUpInvestCapital will pay you a daily interest payment from Monday to Friday of 1.5%. Over the course of the term that gradually adds up to 37.5% in total which obviously can only be deemed net profit once StartUpInvestCapital return your principal on expiry as promised. They’re still a long way short of doing that for anyone (as of today at least) but then that’s the gamble you’re going to have to accept if you want to play the HYIP industry. Maximum spend for this one is $500.

For larger investors prepared to go in with anything from $501 to $2,000 StartUpInvestCapital have what they call The Regular Plan. The investment term stretches a bit for this one, as does the interest rate. Running for 35 business days (which is seven weeks), StartUpInvestCapital are offering members a daily payout of 1.8% from Monday to Friday. That should bring in an amount totaling 63% by the time you get your final interest payment, at which time your initial principal gets returned and you can consider yourself in profit.

After that the remaining two plans in StartUpInvestCapital are really only aimed at the small minority of big industry spenders, but if you’re one of them then here’s what’s available. What they call The Expert Plan is open to members with a minimum of $2,001. It runs for 40 business days, paying a daily interest rate from Monday to Friday of 2.3%. By the completion of the term that will add up to 92% in total at which point your principal gets handed back. Maximum deposit is $5,000. Also note that none of the plans so far actually put anyone in profit until after their deposit gets returned.

And finally for a minimum investment of $5,000 StartUpInvestCapital have The Premium Plan. The term is 50 business days (ten weeks) with payments to members made daily from Monday to Friday set at a rate of 3%. That comes to 150% in total by the end when you should then have your principal added to that. There is no published maximum limit placed on deposits here.

A couple of other things you will need to know about the StartUpInvestCapital plans is that compounding is allowed. I’m no great fan of this as most longer term readers will know and generally suggest you avoid it, however having said that it’s also just a matter of personal opinion and no reflection on the quality of any program which does or doesn’t allow it. So just keep in mind that the option is there for you if your not in agreement with my own thoughts on it. As for the payment processors, well, the list is extensive and includes pretty much everything that investors want to see in a new program so it’s fair to say the list is complete as it is. StartUpInvestCapital are taking SolidTrustPay, EgoPay, PerfectMoney, and LibertyReserve. Payouts to members are made manually and need to be requested from inside your private members area. Once done the admin asks you allow a maximum of 48 hours for all transactions to be completed.

On the side of design and security things look fairly positive and up to a respectable enough industry standard. The StartUpInvestCapital website for example is fully SSL secured by Thawte and is hosted on a dedicated server with DDoS protection by one of the market leaders BlockDos, a respected name I’m sure you all know by now. The program is running off a unique script specially made for them and which is always an advantage over the usual generic versions used in the thousands, but more than just that also lends a feeling of originality to the whole thing. Despite being unique however, it’s also highly user friendly and StartUpInvestCapital is quite easy to navigate. It’s got an attractive and well made design that looks professional so apparently the admin didn’t spare any effort in creating a good look for his program either. If you have any further questions for him about that, anything else connected with StartUpInvestCapital, or any account related issues that need to be looked into then you can get in touch with him by either filling in your details in the online support ticketing form and submitting it via the contacts page, or else just by writing directly to the e-mail address listed. Either way I imagine your message ends up in the same person’s inbox anyway. Also included are postal address in Panama, though speaking from experience it’s highly doubtful you’ll find the admin there if you called (these things generally being only mail collection points if even that) plus a telephone number if you would like to try and speak to someone personally.

Incidentally, StartUpInvestCapital are another HYIP to launch a regional representative program, where members are hired as support staff and for other promotional work in their own localities and languages. It’s been a successful enough practice with some of the other programs that tried it, though it’s still a relatively fresh idea with StartUpInvestCapital so they don’t actually have any names listed yet. If you’re interested in giving it a go you can see the details on the website and apply. They don’t mention how much you get paid for your efforts but I imagine you’re hardly expected to do it for free. The problem is however that applicants must already have a minimum $1,000 investment with StartUpInvestCapital, so I fear that immediately slams the door on what could otherwise have been a massive pool of talented and enthusiastic candidates. Granted they probably don’t want to get flooded with thousands of applications from people with no idea what they are doing or what customer support really involves and just looking for an easy few bucks in return for nothing. You have to limit this somehow so I guess people with serious investments are the ones with the most tied up in the program and more likely to treat the job more seriously. But still, a thousand bucks is a major commitment so I think if the admin is totally genuine about hiring anyone he really needs to rethink this.

Overall StartUpInvestCapital is quite an original website, though when it comes to texts and the alleged business plan behind the whole thing it may not be copied but it doesn’t really tell you very much. Nothing you can verify anyway and nothing you can conclusively point to as genuine. In other words “business philosophy” gets discussed at length but “business practice” seems to have been missed. There’s more about how they run it that what they do. For the record the idea is that StartUpInvestCapital make money by lending financial support to new businesses, but I would find that very difficult to accept given that those businesses are unlikely to support the kind of interest payments being made by the admin. I mean I don’t even think the mafia would lend you money at such a high interest rate to support those payments, never mind what a bank would charge, but then as you know I never take these things awfully seriously in the HYIP world anyway. I’d only say to treat StartUpInvestCapital with the same caution as any other anonymous online venture, and that means staying well under a strictly enforced budget that’s affordable to your means, and if joining StartUpInvestCapital then try and do so as part of a wider more diverse portfolio.



Despite the admin of EndlessProfits (reviewed here) talking about 900 days online, it’s clearly totally untrue as the program was introduced on the main forums only in September. So it’s also clear that the Paying status on a couple of monitors during all this time means pretty much nothing worthy of consideration. While the latest newsletter sent today offering to literally double your money if you invest $3,999 or more in a special VIP plan running for a term of 3 days is very alarming. Usually, such messages are known as a last resort when a program has cashflow issues and tries to make a last push in order to collect some extra cash for the admin to disappear with. It’s surely impossible to double your money within that period and if the admin asks you to invest huge amounts obviously he’s not going to take the profits back out of his own pocket, since the minimum to invest is so high. How on Earth would he be able to generate such high profits, ask yourself? Referring to the 900 days online now is no more than giving someone a false sense of security while in reality EndlessProfits is still quite a new program. Of course I salute them for paying quite fast on the 17.8%-20.8% for 6 days plan to SolidTrustPay, LibertyReserve, and PerfectMoney for over two months, but such alarming messages and sky-high plans should definitely be taken with a grain of salt. Better yet, ignored. I truly hope that nobody will invest in this stunt, which is no more than a cheap gimmick to steal your money. If you’re considering investing in EndlessProfits at this moment I would suggest to hold off for a week or so and watch the program’s performance on MNO to make sure it will stay on Paying status for all this time, because the following update doesn’t inspire confidence at all:

From EndlessProfits (200% After 3 Days a new Plan)
As we are reaching 900 days of work, the Management has decided to create a new three day plan for a duration of six days only, You may use this opportunity now, please pay attention.
Minimum deposit is $3999 and maximum is $39999, Interest is 200% after 3 days
Regards. EndlessProfits.


The admin of EvoFund sends newsletters reminding us about the 20% bonus available to members with $250 or more in the 8%-10% for 30 business days on a regular basis, usually daily. I guess there is not many investors taking him up on the offer as it’s only available for the first 200 people via LibertyReserve or SolidTrustPay – the only payment processors currently accepted by EvoFund. Today however he came up with something different and sent a short news update on the program’s Facebook account, encouraging everyone to Like it. It’s a good marketing trick so I hope it helps EvoFund (reviewed here) evolve into a bigger program than it is now:

Like us on Facebook
Now like us on Facebook at

Come and share your experiences with everybody.
Lets work together towards the growth of EvoFund.
Marketing Team”.


In the regular weekly newsletter DiamondAsset (reviewed here) usually sends around the end of every business week the admin informs us that all pending withdrawals on the 1.8%-2.5% for 120 business days with principal returned on expiry had been processed in SolidTrustPay, EgoPay, LibertyReserve, and PerfectMoney. He also talks about the ongoing Regional Representative program that everyone with at least a $200 deposit in the program can apply to receive certain benefits. The list of required information to become a representative for DiamondAsset is also listed below:

Dear Client,
Thank you for maintaining investment relationship with DiamondAsset.
We’re pleased inform you that all Interest Payments for this week has been successfully processed. We also wish to remind you that the preview of our Regional Representatives Program is still on, if you’re interested to be a Representative of your country, don’t hesitate to contact us at with the followings details;
– Full Name – Email – Phone Number – Skype ID (if available) – YM ID (if available) – Country – Your Username – How you will represent DiamondAsset (online/offline/Facebook/Website).
NOTE: You must have a minimum deposit of $200 to be a Certified Representative.
Best Regards, DiamondAsset Support Team”.


Anyone else hear a voice from the grave yesterday? I’m talking about Phinanci which scammed after a month online and was a complete failure which everyone would forget about if not for a newsletter sent yesterday. The one and only purpose of this newsletter is to give false hope and scam more money. So instead of the previous 3% for 50 days plan the admin is now promising to pay 1.5% for 100 days. The withdrawals have been put on hold and I believe that means only one thing – a failing admin is trying to get more money by putting the program on hold after seeing that nobody invested after he so blatantly scammed. The question remains that if he had such good intentions why he kept his membership in the dark for so long and why he’s still accepting deposits while admitting to putting withdrawals on hold. That makes no sense to me and exactly falls under the definition of a scam. Under such unfortunate circumstances I am forced to issue yet another warning against investing in Phinanci. Regrettably the admin seems to think everyone else is stupid except for him. Please avoid any contact with him in order not to fall into this trap. Phinanci will stay on Scam status on MNO where it belongs. Here’s newsletter in its entirety purely for your information:

Due to a series of unexpected events, which all accumulated, has put Phinanci in a position where it has become necessary for us to make some changes in order to continue offering a lucrative earning opportunity for our members. We are obviously not thrilled about this; however we see no other alternative, than to restructure. We are moving to a new more stable and sustainable platform.
The new platform is based on a single plan paying 1.5% daily for 100 days with deposit minimum of $5 USD and no maximum.
Both current running plans are changed to 1.5% daily for 100 days, and deposits in the 20 Days Expiry plan are also set to this new plan. The program is on hold at the moment. No new withdrawals are allowed. Deposits are still accepted in the new 1.5% daily plan.
Our programmer is working on evaluating and auditing all accounts.
The consequence for accounts in profit is that they will have all of their active deposits expired and account balances cleared. All accounts in loss will keep their active deposits and continue earning in this new plan.
If your account is in profit you will get all balances cleared and all active deposits expired. To continue earning in Phinanci you will have to deposit again.
The restructure will be ready for 25th of November, when we will open withdrawals again and continue from where we stand. All banners and information on site will be reflected according to this new direction.
New withdrawal schedule
Due to increased volume of workload from the ever enlarging membership, requests will be processed from 12 to 48 business hours (Monday to Friday). You can expect withdrawal requests made on Friday not earlier than Monday and for withdrawal requests made on Saturday and Sunday, not earlier than Tuesday.
Due to enlarged membership and the ever increasing workload of processing payments, we have updated the Terms of payment.
Thank you for the understanding.
Regards, Team Phinanci
Follow Phinanci on Twitter and Facebook”.


Here is the list of the programs from my monitor that paid me for the last 24 hours:
From MNO Sticky list: BlueMoney.
From MNO Premium list: ProfitableSunrise, EurexTrade, FelminaAlliance, PerfectFinance, ForexEarn, BensonUnion, StallionGoldTheMoneyGalaxy, FNOCapital, BulgeInvest, EndlessProfits, NeoFunds, StrongInvestment, MicroMoneyBank, ExanteAssets, SureInv, StartUpInvestCapital (the first payments received).
From MNO Standard list: UFOWin, EvoFund.
From MNO Basic list: GoldTradeFunds, CheeseCash, PerfectLottery, Fxen, HippoWin, SpeedMoney (the first payments received).

That’s all for tonight, guys. I hope to see you all tomorrow and as usual wish you good luck with your online investments, and stay tuned to MNO for all the latest news from the HYIP industry!

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