November 2012 Archives

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

Hi everyone! For the second update for tonight I have as promised all the main news stories from the HYIP industry, after I take a closer look at a new short term program called BeWealthyWithUs. A kinda unusual name but I guess it describes what they are trying to sell you perfectly! Anyway, BeWealthyWithUs will I think be instantly familiar, if not necessarily popular, among regular fans of short term HYIPs. Basically it has much in common with any of the scores of such programs that have come to dominate that section of the industry in recent times. Some of course have been huge successes, while others collapsed before barely getting started. Early indicators for this one however seem mostly positive and the response from investors has been better than expected. Maybe it’s because the industry is still on a relative high, maybe it’s just because BeWealthyWithUs are offering exactly what people want at exactly the right time when they are looking for it, but after only four days online they’ve already put some of the first investors to take a gamble on them into profit so let’s hope they keep it up.

So starting with the investment plans, if you follow shorter term HYIPs in general I think you’ll almost be able to recite what BeWealthyWithUs are offering by heart by now. What you have is a series of short term plans, six of them to be exact, all running for various terms and mostly making just one single repayment to members on expiry. There is one exception, with one option making daily payments. Some of the plans are on one hand modest but very achievable and I think more than generous considering the relatively short amount of time your money is tied up for. That’s where anyone who’s actually going to see a profit at all is going to get it from. Other plans are a bit less realistic and unlikely to attract those who really know the HYIP industry and how to play it to their advantage, but I’ll go through all of them for you here anyway for your information.

So to start with the first plan runs for a term of just 1 single day and makes one interest payment on expiry, a payment that includes your principal. So join today and get paid tomorrow. The minimum cost of joining is $5 and for anything up to a deposit of $199 BeWealthyWithUs offer a return of 108%, or 8% profit. You may make a larger deposit if you can afford to, and expect a higher percentage in return. The rates are calculated as follows:
Deposits of $200 to $499 will earn 110%, form $500 to $1,999 will earn 112%, and from $2,000 to $6,999 will earn 115%. Check the BeWealthyWithUs members area for information on larger investments if interested.

The second plan runs for a term of 3 calendar days but this time pays you every day of the term. The same $5 minimum deposit is required to join and for anything up to $249 BeWealthyWithUs are paying back 45% interest per day. That figure includes your principal so that’s a final return of 135% out of which 35% is profit for yourself. For anyone brave enough to go further than that then the following rates are offered:
50% per day for deposits between $250 and $499, (50% profit), 55% per day for anything between $500 and $1,999 (65% profit) and 60% per day for $2,000 up to $6,999 (80% profit). For the rates available to bigger deposits I suggest you see the BeWealthyWithUs members area.

BeWealthyWithUs‘s next plan pays on expiry after a term of 7 calendar days and costs $5 to join. Your final payment will also include your principal. The return will be 330% on anything up to a maximum value of $199. If you’re feeling lucky and wish to take a bigger risk then BeWealthyWithUs make the following offers:
Spend from $200 to $499 and earn 380%, from $500 to $1,999 and earn 400%, and from $2,000 to $6,999 for an offer of 440%. Again check out your BeWealthyWithUs members area to see what they offer to investments bigger than that.

As you can see the plans get more and more risky as the terms get longer. So it’s time to maybe start considering how realistic these figures are before getting too excited at the enormous rates available. But at least you can still join for a minimum spend of $5 which to be honest is about as much as I’d spend in any of the longer term plans. BeWealthyWithUs‘s fourth investment plan which runs for a 10 calendar day term that can supposedly earn you 600% interest, paid on expiry and principal included, if depositing up to $199. Beyond that the rates are:
700% for $200 to $499, 800% for $500 to $1,999, and 1,000% for $2,000 to $6,999. Larger investments are accepted (obviously!) so for information there see the BeWealthyWithUs members area.

Next up is a plan that’s perhaps best avoided (some might say the same for the previous plan as well, but anyway). It runs for 15 calendar days and pays once on expiry. The minimum deposit is $5 and for anything up to $199 the rate being offered is 2000%. Higher rates include:
2200% for $200 to $499, 2400% for $500 to $1,999, and 2,600% for $2,000 to $6,999. And if all that doesn’t sound unfeasible enough then check out the BeWealthyWithUs members area for even more outlandish figures.

And finally, purely for information purposes, the sixth plan runs for 30 calendar days and sees BeWealthyWithUs offering a 3200% return on deposits starting from a $5 minimum up to $199. I think at this stage it’s just best to ignore the rest and go straight to their website if this is something that genuinely interests you. But while I don’t see this getting much notice from the regular HYIP players who know what to stay away from, I wouldn’t let it put me off at the very least thinking seriously about gambling on a couple of cycles in the shorter term plans.

Payment options are quite good here, with BeWealthyWithUs taking all the main popular processors. That seems to be an increasingly standard practice in the industry these days and the minimum expected by potential customers, but one thing that may work to the admin’s advantage over some of the other short term competitors is the occasional use of instant payouts. The processors themselves include SolidTrustPay, EgoPay, PerfectMoney, and LibertyReserve. Payouts still need to be requested from inside your private members account area, but once done you could sometimes (hopefully) see the money in your chosen e-currency account in under a minute. You are however asked to keep in mind that instant payouts cannot necessarily be guaranteed at all times either. There are various reasons for needing to turn this off from time to time, such as security issues, the need to replenish accounts, and so on. If this happens then payments will be made manually, but one way or another the BeWealthyWithUs admin asks that you allow up to 24 hours for all transactions to be completed. If they turn out to be instant, then treat that as a bonus. Minimum withdrawal is $1 and also take note that all EgoPay withdrawals are currently made manually, so they won’t be instant at any time.

BeWealthyWithUs has quite a colorful website with the security and design features up to an acceptable minimum standard. They’re hosted on a dedicated server with support and protection by Koddos and the website is properly SSL secured by Comodo. It is also running off the ever popular licensed GoldCoders script. For any further questions about the program or account related issues you can get in touch with the BeWealthyWithUs admin by filling in your details on the online support ticketing form on the contacts page. BeWealthyWithUs are also keeping a Facebook page, and the website also includes links to their threads on the main investment forums where the admin seems to post occasionally.

Texts are original as far as I can see so at least someone made an effort on that front, though to be blunt they kinda “talk a lot but say nothing” if you know what I mean, ie are evasive and vague about what kind of business plan could support such ridiculously high interest payments or about offering any concrete evidence to prove any claims made about the program. For the record BeWealthyWithUs claims to have an “experienced team of financial analysts and professional traders” though personally I have yet to encounter any professional in the financial world who thinks it’s a good idea to play with online HYIPs, but there you go. Believe whatever you please, because as I’ve said so many times it’s your money we’re talking about here and not mine. But if you are ever going to take one piece of advice from somebody else let it be to never go beyond a modest spending limit that you can afford to lose and if joining BeWealthyWithUs at all then try to keep them as a smaller part of a wider more diverse portfolio.



I must say that for the last few days the industry has been badly hit by the collapse of one of the biggest programs Finvance which apparently decided to pull the plug after coming back online and processing some small withdrawals only to stop doing anything afterwards. After yesterday’s newsletter from Mark I was encouraged by his determination and was hoping that he would start processing pending payouts asap. Alas, today he pulled another stunt and instead of paying to everyone as promised in the previous email he gave all types of excuses and just deleted all the accounts with deposits and pending withdrawals in them. So obviously Mark decided to keep all the $7 million in deposits he tried to claim made up the active deposits at the time of closure. Apparently stealing so much money was not enough for him as the greediness knew no bounds and so he came up with a new evil plan to launch another program which he called Finvance V2 and which is of course funded at the expense of the thousands of investors he has scammed in the first round.

I must say I was quite shocked with the admin’s attitude and though I’ve seen a lot of ugly things in the HYIP industry for years of maintaining my blog I was totally speechless on receiving an email where Mark casually admitted he stole millions of dollars in active deposits by zeroing out the accounts to just open the second round. By browsing the forums and monitors I have yet to see any word of support towards this new version of Finvance and I would advise you in the strongest terms to stay away from it as it’s most likely a convenient tool for the admin to get more money before totally disappearing. As if he didn’t pocket enough already he’s launched a totally different program under the old name and even on the old site (apparently to save on hosting and monitoring fees). And he even had the neck to mention the huge support shown by the members of the old Finvance with hundreds of new members within the first hours online. I can see exactly the opposite with Finvance having been moved to Problem and Scam on all the honest forums and monitors and MNO will not be supporting the new scam despite what anyone thinks. I only promote programs that are paying and Finvance is not one of them, the admin lost the right to call himself an honest person after refusing the pay his old investors, not issuing refunds while pocketing (according to himself) millions of dollars. Yet he blamed DDoS attacks and SolidTrustPay blocking his account for Finvance‘s failure. So I tend to believe that the second version of the program is not intended to be a long-runner and would suggest to stay away from it at all costs.

Enough about Finvance now as this is my last post dedicated to them. However, I’m just sorry that money stolen by the administration of the program could make a great hole in the pockets of the investors and prevent the HYIP industry from developing further and bringing us long-lasting programs that would be able to fill the void left behind. Let’s hope that this collapse will not affect the industry too badly and not have a significant impact.

We saw a few more programs closing over the last few days and perhaps the biggest and the most unexpected being SkyCrown. The main reason for that was an alleged DDoS attack which the admin Nick promised to fix by moving his site to another server. I wonder if that was used as a very convenient excuse for an early exit for SkyCrown as (by coincidence or not) the program just started paying the first profits to the first investors who reached the break even point. Anyway, for the last couple of days the admin just vanished off the radar and isn’t even updating the program’s Facebook page anymore. I guess he doesn’t have a solution for the current problem, although as I can’t see even the slightest attempt undertaken to do anything at all. Maybe he just gave up and was satisfied with the money he already collected. Anyway, the outcome is the same – SkyCrown is another unfortunate scam which is even worse than Finvance as at least there there was a lot of members in profit while SkyCrown was a total disappointment and waste of time and money. Unfortunately it happens from time to time and we can only speculate if that was an intentional scam or the admin just gave up in the face of adversity. The SkyCrown website is gone but even if it should reappear at some point please do not invest there again!

FastEarn which also stopped paying recently and was moved to Problem status on MNO today was not so bad after all as it managed to survive for over two weeks paying on one day on expiry plan. Quite an achievement for this type of a program and while it could have gone for longer the first members of FastEarn should be well in profit.

And finally the last program on Problem status on MNO is RoyalAdz. It looks like the admin is now paying selectively and is not replying to emails anymore. He apparently forgot about his intention to change the investment plans on November 1st, but maybe it was his bait for naïve investors to act like he had more serious intentions before disappearing. In any case the program is not recommended as my withdrawal has been pending for over two days. It looks the admin is unlikely to pay, so avoid this scam!


It’s good to see for a change that not all the admins keep blaming DDoS attacks for their scams and programs like InvFuture (reviewed here) are capable of surprising me and coming back online after several days away. So after my own payments were processed from the 7%-8% for 20 business days I returned them to Paying Status on my monitor today, and to the best of my knowledge (correct me if I’m wrong) all other members are also getting paid. The admin explained the situation in the following newsletter:

Don’t worry, We are here !
There is a DDoS attack currently in progress and our network capacity has been decreased due to the Sandy Hurricance that hit the East Coast. This resulted in several of our network peering providers going down due to flooding. None of our network was actually affected, except the network capacity for withstanding DDoS attacks. We have Engineers working with Level3 in adding additional network capacity until the peering providers restore their services on the East Coast.
Don’t worry, We are here ! InvFuture had process all pending payout today.
And Solved DDoS problem now.
At this time everything is back up and running at optimal operation.


I haven’t even published my review of BeWealthyWithUs yet when the admin already issued a newsletter giving a link to MNO. I didn’t quite expect such success myself as about a hundred of my readers already joined it and hopefully are in profit already or are at least well on the way. Knowing the level of popularity for this type of program in current market conditions I’m not surprised that BeWealthyWithUs achieved good results during its first few days online, and I’m sure the growth will continue if the admin maintains the payouts at the same fast level. Obviously to have a long-running and successful short-term program the admin shouldn’t just sit back and relax but rather work hard in constantly expanding his horizons and attracting more money into the pool. I’m glad to see in the latest newsletter that he fully realizes this and makes a priority of providing quality support, fast payouts, real-time stats and plans a referral contest in the pipeline. In return he asks members to support him on monitors, forums and their Facebook page too. I guess it’s not too much to ask in exchange for fast and easy profits for BeWealthyWithUs members. Here’s the first newsletter from the program in full:

Newsletter #1 BeWealthyWithUs
We hope you are enjoying your experience with BeWealthyWithUs. Our team is committed to the success and longevity of this endeavor and our primary goal is the satisfaction of our investors.
Today we bring good and important news. Firstly we would like to highlight our statistics for the first 4 days of activity of our program: Currently BeWealthyWithUs has over 2600 members and over 1400 active investors, and we are going to reach in the next hours the milestone of $150,000 total investment. This may sound unbelievable to you since we barely completed 4 days running but our statistics are open and transparent for anyone who wishes to see.
So due to this strong beginning our program grew even faster than we anticipated and while everything is running smoothly so far with all payments being made promptly (almost instant in many cases) and our dedicated support representatives working 24/7 helping our members, we are taking steps to be able to keep up with demand. That’s why we will upgrade our server infrastructure to better cope with the flux of new members into our program as well eliminating some issues like lack of email notifications for some members, especially those using yahoo e-mail and local e-mail providers.
Since our official launch we have added many monitors so everybody can keep track of our punctuality with investors. Our marketing department is also working around the clock and we have been doing substantial investments on marketing and promotion to bring the existence of this program to the people’s knowledge.
Given that we barely begin, we want to be prepared for the long road ahead of us and we also count with the help of all our members in promoting and spreading the word about this great opportunity.
In that regard we should soon announce our 1st referral contest so keep watching us closely for news and updates on this. You can begin building your downline immediately as it will be factored into the first phase of our contest.
Additionally we ask for your support on the forums, tell us what you think about the program, even if you feel you had bad or not so good experience, we would like to hear it to improve BWWU.
And if you believe you had a positive experience with us and want to share it with others, also make your post in the threads – you may find the forum links at the bottom of our homepage.
Also don’t forget to join our official Facebook discussion group since our staff is very active there bringing news and information about the program as well providing guidance to members. Currently we have over 1600 members there and our community keep growing every day. So consider yourself invited to join us:
If you have suggestions and recommendations, please do not hesitate to contact us and remember that any program is as good as its investors, and that’s why we once again ask for your supporting us by promoting this program, sharing your payment proofs and keep investing with us.
On a final note we recommend that you keep an eye tonight in the honest and well known Money-News-Online blog, the review of BWWU will be published soon :
So thanks everybody for your trust and support and as we previously mentioned at our Facebook community, BeWealthyWithUs is the result of teamwork between investors, member and promoters.
Best Regards, Administration


The admin of CarbonDeals Peter issued a newsletter for investors enjoying fast payouts on the program’s various plans – 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 – paid via SolidTrustPay, EgoPay, LibertyReserve and PerfectMoney. After just 20 days online CarbonDeals managed to reach the Top five most popular programs from MNO’s Premium List and it looks like nothing can stop them. As a gesture of support Peter asks members to vote for them in the ever-growing list of monitors added since the program’s first day online. The latest newsletter from CarbonDeals (reviewed here) can be read in full below:

Important Updates
Esteemed Members,
This week has been very generous to us so far. Support from new members is even greater than before and confidence is visibly increasing, as deposit amounts are getting larger on a regular basis.
As we have been seeing nothing but ever increasing support since the first day we went public, I am very confident in the future of CarbonDeals.
I wish to thank the many monitors who decided to join and support us with their own money. This gives us great confidence and confirms once again, that CarbonDeals is the industry’s rising star.
The number of monitors we are currently listed on has literally doubled in the last few days and more are joining our program as we speak. Check our monitoring page regularly to stay up to date on the matter.
Optionally, you can see a list of all our monitors here:
Cashout requests are being issued as fast as always if not even slightly faster and I hope everyone is happy with our service so far.
We have also intensified our advertising campaign this week. Nothing exaggerated, but just enough to reflect our current standing.
Congratulations to all of you, members of the next industry leader.
You have made the right choice in supporting us.
Peter Neperus. CarbonDeals.


As you know I’m not a fan of changing investment plans or even adding new ones in stable programs paying for months already. Often this is seen as a clear sign of cashflow issues and I thought exactly the same when I first saw the latest newsletter from FelminaAlliance for the first time in its history announcing a new investment plan after 16 months online. I remind you that originally (and you can read about that in my review of the program published here) FelminaAlliance accepted investments to a plan paying 1%-1.6% for 180 business days with the original principal returned on expiry to LibertyReserve, PerfectMoney and EgoPay deposits for a $20 minimum. On closer inspection the newly added plan is quite sustainable too and I don’t believe it will have any significant impact on the program’s cashflow. Rather I believe it’s aimed at fighting the tight competition in the HYIP market now, when a lot of programs are offering shorter-term plans which FelminaAlliance would have a hard time to compete with. Please note that in order to make an investment in the new plan paying from 0.8% to 1.4% (depending on the amount deposited) for the duration of 90 business days and principal back on expiry you need to open another account in the program. I think this unusual solution is due to the original script FelminaAlliance is running off which would probably complicate things if two types of deposits were allowed. Anyway, my judgment about the newly added plan is positive but we can’t exclude the possibility of cashflow issues around. Christmas. I believe that the new plan may actually keep FelminaAlliance in a good health. Here’s the latest on that:

[FelminaAlliance] Official Newsletter
This is an official newsletter from FelminaAlliance Inc.
In response to numerous requests from our existing customers, we have introduced the new Short-term investment plan designed for 90 business days (as opposed to the Regular investment plan for 180 business days).
Under the new Short-term plan you can earn 0.8% daily for 90 business days (minimum deposit is $20.00), 1.05% daily for 90 business days (minimum deposit is $1,000.00) and 1.4% daily for 90 business days (minimum is $5,000.00). 2 enhanced compounding options are available under the new Short-term plan – for 45 or 90 business days, giving you an extra 0.1% or 0.2% rate respectively.
To sign up for the Short-term plan, you will need to open a new account and choose the Short-term plan in the registration form. The same deposit and withdrawal procedures apply as with the regular plans.
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.


The admin of Nubcoyu (interviewed here) has announced the winner of the October brainstorming contest which aims at getting the best promotional idea. The winner picks up a cash prize of $50 which I believe will be repeated in November. Such contests are beneficial as they can provide Nubcoyu with more ideas how to make money to pay the investors on the 1.4% for 200 business days via EgoPay, LibertyReserve or PerfectMoney. Here’s the full newsletter from Nubcoyu (reviewed here):

The Winner of Nubcoyu Ideas Of October Announcement
Dear Valued Investors,
First of all, let’s start with the saddening story. The total number of participants of the Nubcoyu Ideas project is only 3 members and that’s all we’ve got. We’ve heard that some people don’t love contest and we can completely understand that. Although not for the sake of the prize, everyone, even the non-investors are encouraged to participate with us, for the sake of our business and longevity. Anyways, I’d like to announce the winner of this October round, who is…
Skimo2012! You’re the winner for your ideas on ISM Magic and its strategies. You shall be credited with $50 rewards.
The strategies given by Skimo2012 will be explained and shared with everyone in the upcoming Nubcoyu Friday, so stay tuned for it!
The Announcement Of The November Round!
The time never stops and neither do we. The November round is coming up and as usual, $50 reward will be rewarded to the best thinkers out there. Will you be the next one who changes the industry?
Regards, Nubcoyu.


Quite a bizarre and downright confusing short email arrived from DiamondAsset (reviewed here). It’s the first email I recall getting from a HYIP hailing a new calendar month, lol. In any case, I doubt the admin of DiamondAsset has absolutely anything new to report and had to think of a silly reason to send a newsletter and keep the program’s name in the public eye. So far the payouts have been processed fast in DiamondAsset over the 1.8%-2.5% for 120 business days with principal back on expiry. The program is on its third month online and is paying like clockwork to all the accepted payment processors within 24 hours – LibertyReserve, PerfectMoney, EgoPay and SolidTrustPay. Here’s the email I was talking about:

New Month Wishes
Dear Client,
New days and new months are the importance of transform.
They explain that being not stopped for everything.
So stay touching and stay cheery.
Happy New Month!
Best Regards, DiamondAsset Management”.


Here is the list of the programs from my monitor that paid me for the last 24 hours:
From MNO Sticky list: ForexEarn, BeWealthyWithUs, TheMoneyGalaxy, ProsperaNova, Phinanci,  EndlessProfits (the first payment received).
From MNO Premium list: NewGNi, ProfitableSunrise, EurexTrade, FelminaAlliance, CarbonDeals, PerfectFinanceTivsol, BensonUnion, 4FXInvestment, CaspianCapital, AWTC, DiamondAsset, FinanceCore, LLLtdStallionGoldProForexUnion, Nubcoyu, StrongInvestment, Finnexia, MajesticProfits.
From MNO Standard list: UFOWin, BGTGroups, InvFuture, Frmoeg, AustralianBusinessGroup.
From MNO Basic list: GoldTradeFunds, CheeseCash, DebtReliefLimited, RoiChoice, Fxen, InvestLand, DailyStrategy (the first payment received).

That’s everything for today, guys. Hope you enjoyed reading MNO and will be back tomorrow as I plan to publish twice. First you should expect the interview with the admin of Phinanci, and for the second post I’ll have another review of a new program from my listing with the latest updates from the monitored programs on my site. Stay tuned and see you all tomorrow!

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