Nov 21st, 2012 Archives

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

Hello everybody! A couple of news stories to catch up on tonight, not all of them good either I’m afraid, so I hope you have a little free time to read this evening’s MNO update. Before that I want to start off by taking a closer look at a program called SecureIncome that was added to my monitor last week. They have a varied selection of plans for you, and to be honest they’re not all that bad in terms of what can realistically be achieved within their respective timeframes in the HYIP industry. The trouble is that they all only pay the members once on expiry, so the SecureIncome admin could have a tricky time of it selling this one to investors at this time of the year particularly.

Just before we get to the plans themselves, you may have been wondering why SecureIncome had been listed on my monitor under Paying Status but I waited this long before bringing it up on my blog. The reason for that was that was the payments received were ref commissions, and as there’s more than one way to make money from HYIPs apart from just investing in them then this in my book goes down as a valid payment and reason enough for Paying Status. Not every monitor works that way, but how other monitors work is really none of my business. Due to the high risk nature (as I am about to explain) of the plans being offered by SecureIncome however I decided it was best to wait for an actual on expiry interest payment. I can confirm this has now been received and that anyone who joined SecureIncome on the day it launched should now be in profit. Everyone else will have to wait.

So what you have is a series of short, medium, and long term investment plans, all of which run for various lengths, but all of which have one thing in common – they only make one single payment to members on expiry of your chosen plan. They all carry a high degree of risk, but I have to be totally blunt here and say that some are just plain ridiculous. I mean I can personally confirm that at least one of the plans is definitely paying, as of today it was anyway, but other options are simply not going to work out for you though I also believe that 99.99% you reading this will be smart enough to know that.

The first of five investment plans, and the most realistically achievable of them, runs for 7 calendar days. You can join it for a $10 minimum, and on expiry of the term receive a payment of 120% for all deposits up to a maximum value of $10,000. SecureIncome include your original principal as part of that, so won’t be returning it separately. That means it’s your own money back plus a 20% net profit on top. That’s the rate offered to most investors, however a rate of 125% is offered to anyone investing more that $10K, up to a maximum of $50,000 in fact.

The second option stretches the investment term to 16 calendar days though financially speaking the risk needn’t be any higher as SecureIncome still only ask a $10 minimum to join. On expiry of the term, all investors with anything up to a maximum value of $10,000 are offered a return of 160%, principal included. Those with more than that up to a maximum value of $50,000 are being offered 170%.

Next up is a plan running for 25 calendar days. For a minimum deposit of again $10 SecureIncome are offering a single on expiry payment of 200%, or double your money. That applies to members up to a maximum value of $10,000. For anyone with more than that up to $50,000 the offer is 220%. Your initial principal is of course counted as part of that.

As you can see the likelihood of the plans succeeding (for anyone other than the admin that is) diminishes as the terms get longer. So whatever you think about the previous options, the remaining ones are a bit less likely to attract much more than the most naïve newbies. But at least the minimum requirements to join, ie a $10 deposit, doesn’t change with SecureIncome‘s fourth plan so it’s not that big a deal unless of course you start spending money you couldn’t afford to lose in the first place. In this case the plan runs for 45 calendar days, and offers just one single rate of 320% on all deposits up to a maximum value of $50,000. Should the program surprise us all and actually survive that long, your principal is included in the payment.

As for the final plan, I have to say I think how anyone would ever think this is a good idea is something beyond my understanding. In fact I think it’s such an obvious joke that it is in fact actually damaging to SecureIncome to include it at all. Because not only will anyone not join it, it has the added affect of making people take the program less seriously. The issue of sustainability doesn’t really come into play here either, because its very inclusion only serves to make the program look like a cheap scam and people who may have been tempted to to at least take a gamble on the 7 day plan might just decide to avoid SecureIncome completely now because of it. But I’ll describe it for you here anyway and let you be the judge:
First of all it will cost you a $25,000 minimum to join, and takes a maximum of $50,000. It runs for a duration of 50 days which is according to the member’s account area. According to the homepage it’s something else, which only adds to the feeling of amateurism. In return for your “investment” (or should that be “donation”?) you are offered a return of 1,000% and a luxury car selected from either Mercedes, BMW, or Audi. Maximum deposit is $50,000, though one would suspect if you already had that kind of cash to blow on online HYIPs the price of a decent car wouldn’t be a major problem to you.

The thing about it is though that some of the other plans really aren’t all that bad, or at least they aren’t when you think about the sustainability of them. But it’s a kind of “catch 22” situation here, because if the program is NOT set up as a fast Christmas scam then there’s no real reason why in the hands of a good admin it can’t run for a good number of cycles, it’s just that on the other hand being an on-expiry program it still requires you to take a high risk to find out whether that’s really going to be the case or not. But if you decide to press ahead with SecureIncome then the list of payment processing options is reasonably good. Not complete, mind. But more than acceptable to most industry players. Currently they take SolidTrustPay, PerfectMoney, and LibertyReserve. Payouts are made manually by the admin and will have to be requested from inside your members account area. Once done you will be asked to wait anything up to 12 hours for the transaction to be completed, but keep in mind that on the day your plan expires you will only be able to withdraw after the exact time you first signed up. For example if you join the seven day plan at 09.00AM on Monday morning you can only withdraw after 09.00AM on the following Monday. The same if you join at 10 o’clock, 11 o’clock, or whatever.

On the security side of things SecureIncome is hosted on a dedicated server with the support and protection of Koddos. The website is properly SSL secured and runs off a script licensed from GoldCoders. If you have any further questions for the admin, like how do you send a Mercedes to my e-mail account for example, then you can get in touch with SecureIncome by filling in the online support ticketing form and submitting it via the contacts page.

As for any kind of serious or legitimate business plans backing the whole thing up, I doubt very many of you would waste your time even looking for such a thing, or thinking about it if you found it. SecureIncome is an online HYIP and should only be treated as such. The higher the payout the higher the risk, so keep your expectations of it modest and your spending limit should be limited accordingly. Be realistic in what you genuinely believe SecureIncome could achieve for you, and if joining at all remember to always offset potential losses in one program by keeping a wide and varied portfolio that can cover it.



The admin of Nubcoyu (interviewed here) announced today that next Friday sees their very first webinar session in their Skype Chat room, giving you a perfect opportunity to question him on the multiple ventures he’s allegedly involved in and ask how sustainable the investment plan is paying 1.4% for the duration of 200 business days to SolidTrustPay, PerfectMoney, EgoPay, and LibertyReserve. You can also read about Nubcoyu in the detailed review posted on MNO here or join the webinar by following the instructions provided in the latest newsletter:

Nubcoyu Announces Its 1st Official Webinar Session
Dear Valued Investors,
After a long journey of success and failures, we’re delighted to invite you to our 1st Official Webinar. It’s scheduled to be held at our Official Skype Chat Room on Friday the 23rd of November at 11:30 PM Japan Time (GMT+9). The session will last approximately an hour.
Below are the topics of our webinar:
– Orientation
– Insights into our online and offline business ventures
– Special Topic: Japanese cultures and how it affects our business
– Our future plans and revolutions
– Q&A session
– Support session
I, Nubcoyu Umezawa will personally be the host of the webinar, so please regard this as a perfect opportunity to get in touch with me.
Anyone can join this Webinar. Be it new members, those who have or haven’t made any investments are welcomed!
Steps To Join Our Webinar:
– Add me at this Skype ID: nubcoyuadmin
– Inform me about your participation
– You’ll be added to the our chat room!
Please note that during the times without webinars, our chatroom also works as an efficient platform in communicating and getting in touch with us.
Regards, Nubcoyu Administrator”.


Best wishes to all US based readers of MNO for tomorrow’s Thanksgiving celebrations. With that in mind you should also know that some HYIPs paying on business days will use this as an excuse not to credit members’ accounts with the regular daily interest. So the admin of StallionGold (interviewed here) issued a short update mentioning that. Tomorrow no interest will be paid on their plan which offers 1.5%-4% for 100 business days with principal back in four installments accepted via EgoPay, PerfectMoney, LibertyReserve and direct Bank wires. I’ll bet tomorrow many more programs will join this initiative and announce no-payments like StallionGold (reviewed here) just did on their website:

Thanksgiving Day
Dear investors and website visitors, due to the Thanksgiving Day celebration within the locales affecting our business operations, no profits will be credited to user accounts for the day of upcoming Thursday, November 22th, 2012.


Just a few days before finishing the cycle and returning the first principals the admin of PerfectFinance has decided to pull the plug and finish his program’s stable performance for over 50 days with the introduction of a new short-term plan and stopping all the instant payouts to members. The new plan paying 15% for 5 days with the principal back on expiry for a $500 minimum is definitely an attempt to squeeze more money before closure. It’s such a classic case that it’s not even worth discussing, just taken for granted. The thing that the short-term plan expiry date and the date of which the first principal payouts should have been made in the main plan offered by PerfectFinance is no coincidence, but rather planned this way deliberately. However I don’t believe anyone will take advantage of the offer now that the instant payments from PerfectFinance stopped and the program is an imminent to scam. I have decided not to wait any longer and have moved PerfectFinance to Problem status on MNO. Please read the latest newsletter from the admin and avoid further investments there:

PERFECT FINANCE – “15% Daily for 5 Calendar Days” Plan
Hello Dear Customers,
We have something special for you all, that will only last a limited time from now on. Our traders and employees introduces a special investment plan to thank our customers for the great support and continues business.
The new investment plan pays 15% daily for 5 calendar days and returns the principal at the end of term. The minimum investment amount is $500 and maximum $50,000. The compounding feature is also enabled for this investment plan.
Here are some quick examples on different investment amounts:
A. Investment of $500 will give you $75 daily for 5 calendar days. After 5 days you will have accumulated an amount of $375. Your principal ($500) is returned now, giving you a total return of $875 ($375+$500).
B. Investment of $2,000 will give you $300 daily for 5 calendar days. After 5 days you will have accumulated an amount of $1500. Your principal ($2,000) is returned now, giving you a total return of $3500 ($1500+$2000).
C. Investment of $10,000 will give you $1500 daily for 5 calendar days. After 5 days you will have accumulated an amount of $7500. Your principal ($10,000) is returned now, giving you a total return of $17500 ($7500+$10000).
Kindly login to your members area and go to “Make a Deposit” page like you always do and select the desired investment package you wish to invest in.
You may act now to participate in this limited-time opportunity! The new plan will be available only for a few weeks.


It looks like we can see a chain reaction of HYIP closures as many investors begin leaving the industry for the upcoming Christmas season leaving programs simply unable to cope with no re-investments and cashflow issues to pay to the existing members. If you still don’t know the HYIP industry consists of programs that are claiming to make money on everything from ForEx to pornographic video sales, when in fact it’s only a facade for ponzi-schemes which pay old members from new members’ deposits. Of course, very few of such programs are run by savvy professionals who could survive such severe cashflow issues caused by the festive winter season every year, and the majority of them simply cannot survive and close. The advice to the regular investors would be just slow down with the spending and come back in a month or so, when we will see a revival and the emergence of the first new HYIPs to become the leading programs of 2013.

Let’s see now the programs which can be safely be described as scam and collapsed within the last 36 hours. Apart from PerfectFinance, they include BlueMoney, MicroMoneyBank, ExanteAssets and NeoFunds. Please note that they are all on Problem status on MNO and any further investments in any of them are not recommended.

BlueMoney was perhaps the best program of them. Paying 105% after 1 day the program managed to run for about ten cycles despite of being hit by DDoS attacks on the first few days. I consider it a pretty good result for a short term game and it enabled many members to profit, albeit (as always) at someone else’s expense. BlueMoney stopped paying yesterday and no one should be tempted to invest there anymore.

NeoFunds managed to last exactly for the duration of its investment cycle of 15 days which only made profits for the very first investors. I must say that I was paid by NeoFunds last time yesterday and did not suspect anything until I was told about some delayed withdrawals by some readers today. I think there was no need to waste time with contacting the admin as I saw many reports on the forums today and I believe them to be paying selectively now. In any case, NeoFunds has been moved to Problem status and is unlikely to return.

ExanteAssets was a huge disappointment for many. The program was really made to the highest quality standards, however it looks like the admin was a newbie and didn’t have any reserves in case of the DDoS attacks that hit his program over the last few days. Instead of urgently moving to new servers, he made a bizarre decision to do nothing at all except stop the payouts with the site disappearing into thin air. At the moment, the site of ExanteAssets is still not accessible, but even if it comes back at some point (which I genuinely doubt!) I would not suggest to invest there until all pending withdrawals are paid which is highly unlikely to happen.

Finally, MicroMoneyBank was another fast scam from the beginning and just after a week online started processing payouts selectively only to monitors. Most of them are still gladly displaying MicroMoneyBank on Paying status on their worthless sites. But don’t make them mislead you due to the admin paying to them exclusively and ignoring the regular investors. Such selective payouts are never and will never be tolerated on MNO. That is why MicroMoneyBank has been moved to Problem status here as well!


Here is the list of the programs from my monitor that paid me for the last 36 hours:
From MNO Sticky list: LoyalAssets.
From MNO Premium list: NewGNi, ProfitableSunrise, EurexTrade, FelminaAlliance, ForexEarn, StallionGold, LLLtd, ProForexUnion, BensonUnion, TheMoneyGalaxy, ProsperaNova, FNOCapital, DiamondAsset, StrongInvestment, Nubcoyu,  SureInv, StartUpInvestCapital, SecureIncome.
From MNO Standard list: UFOWin, AustralianBusinessGroup.
From MNO Basic list: XtremeRichness, TheInvestmentBank (the first payment received).

That’s everything for today, guys. I decided to take a day off tomorrow, but you will still be able to enjoy a recent interview with the admin of ProsperaNova which will be published on MNO within the next 24 hours. Stay tuned for more news from the HYIP industry and see you on MNO again soon!

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