Dec 4th, 2012 Archives

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

Hello all! At a time when new programs launching in the HYIP industry need to be making more of an effort to distinguish themselves from the rest of the industry by offering slightly more unusual or unconventional. Something with a twist if you like, as it’s a competitive market at the best of times and even more so at the moment when there’s a bit less activity. One program taking this strategy is FinanceArt which launched just recently and has a fairly unique approach to their investment plans. Whether it works out or not for them is a whole other matter, we’ll see that one way or another in the coming weeks. But for now before we move on to the news section I want to take a closer look at exactly what FinanceArt are offering their members plus the other features there, and see if there’s anything there you think suitable for yourselves.

At first glance FinanceArt might look to be a long term HYIP, but that’s not exactly the case. They make daily interest payments for indeterminate investment terms. There’s no fixed expiry date, and it’s up to the individual how long you stay a member. Generally speaking such programs do tend to be looked on as long term HYIPs, but the fact is you can leave after a day if that’s your preferred strategy. The most interesting thing about FinanceArt however is not the fact that one sets their own investment term, in fact that’s hardly new at all, but rather that investors get rewarded for longer term loyalty by getting an increase in the interest rate by remaining a member for longer. So yes, you’re always free to “hit-and-run” as it were, to join FinanceArt today and leave again tomorrow with your interest payment, but for those more interested in staying put with the program will find themselves receiving larger interest payments by staying a member for longer. All this of course makes it impossible, or rather difficult anyway, to give you any practical examples of what you might earn from a deposit in FinanceArt. Everyone has their own unique agenda in mind, and for that you have a handy built-in calculator on the website for working out your own potential earnings. So I’ll just give you the figures and you can refer back to that yourself then to work out what’s best for your own plan.

So the first option, and also the most affordable, is called The Starter Plan. FinanceArt require a minimum $10 deposit to join, and for the first 5 days you are a member will pay you 1% interest per day. As I said you can leave at anytime, before or after the first five days are up, but if you opt to stay then between day 6 and day 20 FinanceArt will pay you 1.1% per day. If you stay beyond that then the rate goes up to 1.2% per day from day 21 to day 30, and then from day 31 onwards you earn the maximum rate of 1.3% per day. The maximum deposit allowed in this plan is $100.

So that’s more or less how all the FinanceArt plans work – you start by earning a lower rate, and if you remain loyal to the program, ie don’t ask for your principal back, you finish by earning an improved rate. So for the second plan, called The Advanced Plan, FinanceArt start by offering you a daily interest rate of 1.4% on deposits ranging between a $101 minimum up to a $300 maximum. This offer is for the first 5 days you are a member, and if you stay any longer then FinanceArt pay you 1.5% on days number 6 to 20. From day 21 to day 30 the rate goes up again to 1.6%, and anyone staying longer than that can avail of the top rate of 1.7% per day until such a time as you decide to ask for your deposit back and leave.

For larger deposits starting from $301 to $500 FinanceArt have The Professional Plan, which again just like all the others runs for an indeterminate term to be decided on by the individual investor. For the first 5 days you can earn a daily rate of 1.8% per day. Stay longer than that and from day 6 to day 20 the rate goes up to 1.9% per day. FinanceArt pay 2.1% interest per day if you’re still in the program from day 21 to day number 30, and if you remain a member after that you will see the maximum rate of 2.3% per day.

And finally for all further deposits of $501 and upwards – FinanceArt will accept a $50,000 maximum – there’s The Business Plan. By joining this one you can earn 2.4% per day for the first 5 days. After that the rate goes up to 2.6% per day from day 6 to day 20, and to 2.8% from day 21 to day 30. The maximum rate available anywhere in FinanceArt is 3% per day, and this comes into play for those still a member of this plan after 31 calendar days.

Note that it’s only up to you when you wish to request your original principal back in FinanceArt as there’s no need to stay committed to the program all the time. Exactly 24 hours after you make your deposit in any of the plans you will see the button “Principal back” across your active deposit which you can click to request your original deposit back. Obviously after you do it you will stop receiving daily payouts and if you change your mind at a later date you will have to join all over again, so keep this in mind when you decide to withdraw your original deposit.

Most, but not all, of the popular payment processors are listed so there’s still room for some improvement there. Currently you have the main ones in EgoPay, LibertyReserve, and PerfectMoney, plus the fledgling PexPay which is still quite new and not really widely accepted. Payouts to members are made manually by the admin and will need to be requested from inside your FinanceArt private members account area. Once done you’re then required to allow up to 24 hours for all transactions to be completed.

As for the design and security features of the program, FinanceArt looks quite professionally made and is running off a totally unique and custom made script developed especially for them. Despite that you won’t have seen it in action before it’s still quite an easy website to navigate and find your way around, so FinanceArt is as user friendly as anything else in the industry (or at least I thought so, anyway). Hosting is on a dedicated server with support and protection from Koddos, and the website is SSL secured. If you have any further questions for the admin or any account related issues then you can get in touch with them either by filling out your details in the online ticketing form and submitting through the contacts page or else by just writing directly to the e-mail address listed. FinanceArt also have a Live Chat feature though I can’t say exactly when or if it even works, as there’s no apparent working schedule and I have yet to see it open myself. Fans of social media sites will see FinanceArt maintaining Facebook and Twitter accounts as well.

If you’re wondering about what, if any, business plan is allegedly behind FinanceArt backing up the payments to members then it’s the old online HYIP favorite, ForEx trading. Little solid evidence is there to support that claim however and certainly nothing you can verify, so once you hand your money over remember that it’s completely out of your control whether you ever see a penny from it again. Despite the rather outlandish claim that deposits in FinanceArt are insured by the Federal Deposit Insurance Corporation (FDIC), a US government agency, if you actually phone this agency in the morning (their contact details are on their website) I’m pretty sure you’d get a very different reaction! But I think most readers here will know to save themselves the price of a phone call because we know what really makes up the HYIP industry when we see it. Therefore as always you need to set yourself a spending limit that you can afford to lose, and if joining FinanceArt at all then try and make better use of them by keeping them as a smaller part of a wider more diverse portfolio. You protect yourself from heavier losses that way.



The first results of the latest poll running on my TalkBack page clearly shows the leadership of NewGNi in the list of MNO’s Top Four programs. Also included is ProfitableSunrise (currently in second place), FelminaAlliance (in third so far) and EurexTrade (trailing in fourth). NewGNi has over 55% of the votes of my readers showing that this exclusively monitored program is still enormously popular, even though it’s been running for nearly a year now and just recently became private. Although new sign-ups are currently not allowed remember that you can deposit in the investment plans offered by NewGNi anytime you like, provided you registered an account before it was disabled.

If you haven’t read my original review of NewGNi posted here I remind you they accept PerfectMoney, PexPay, EgoPay, and SolidTrustPay for 1% per business days and 6% weekly investment plans. A 180 business days lock-in period applies before you can request your original principal back. However due to the recent privatization of the program this rule has been temporarily waived until the end of the year. So anyone who wants out can request their principal back and leave, though this is still subject to a 30 business day waiting period. I am aware that there are quite a few people out there who panicked and tried to withdraw their principal without knowing about the 30-day waiting period but have now changed their minds realizing that their money stops earning when the request is made and won’t bring in any further profits for them. Some script changes should be implemented by the programmer to allow such members to cancel their principal withdrawals am return the money to active deposits. I asked Jurgen, the admin of NewGNi (first interviewed here) about that in the interview sent to him a couple of days ago which hopefully will be ready sometime over the weekend. We’ll definitely hear a lot of interesting information about the new stage NewGNi is currently undergoing and Jurgen’s plans for the future. So stay tuned for this exclusive interview on MNO very soon.

Also, for those who don’t know yet please remember that starting from today the withdrawals in NewGNi are not going to be processed on every business day anymore. You may make a request every day of course, but they will all be paid once per week every Monday. Just make sure that your withdrawal is in before Sunday midnight GMT to make sure that you’re going to be paid on Monday and don’t do it too frequently if you wish to save on withdrawal fees to payment processors. Overall, I’m pleased to see the privatization didn’t cause too much of a panic and am quite sure that NewGNi will be paying everyone by Christmas and beyond. Surely with only the current members having been able to make deposits it will prove with time that the program can use their internal funds to pay profits without necessarily taking deposits from a never ending expansion – the principle almost all successful HYIPs out there are based upon.


BensonUnion (reviewed here) is another impressive program with a long history of payouts on the 1.2%-2.45% for 170 business days with principal return on expiry plan. Starting in January 2012 BensonUnion was first reviewed on MNO and though even then the program was considered one of the best in terms of the website and security, only now, after so many months online we can see it’s become a very established and popular program firmly planted in the Top 10 most popular HYIPs on MNO. And rightly so in my opinion, because the admin has proven he knows how to evolve with the times and keep his program growing. In my original interview with the admin of BensonUnion Ragnar for example, (click here to read it) he said the program was ok with only LibertyReserve, PerfectMoney and direct Bank wires, but since then has reconsidered and added several other options including SolidTrustPay, EgoPay, PexPay, and BitCoin starting from $10. Add to that instantly processed payouts to almost all payment processors for eleven months and you get a recipe for success.

BensonUnion didn’t just stop there though. About a week ago it was announced they’d be adding local phone support in nine countries and have already started with some numbers added on the site today. You can find them all on the support page the countries listed in the latest newsletter from BensonUnion issued today. More can be discussed with the admin of BensonUnion himself in the upcoming pre-Christmas webinar to be announced soon, so watch this space for further updates if you would like to take part:

Local phone numbers in 9 countries available now!
Dear investors! We apologize for delay of integration local phone numbers for telephone support service but we are happy to announce that its finally done! Since today BensonUnion has local phone numbers in Hong Kong, United States, United Kingdom, South Africa, Germany, France, Spain, Italy, Australia, Poland. Investors from these countries don’t need to spend extra money for international calls anymore! Most of numbers are toll-free. BensonUnion phone support has become even more accessible for everyone around the globe. We will keep improving our services and more updates. The next pre-christmas webinar coming soon as well. We will keep everyone informed about details in next newsletter. Stay tuned!


As you know, FelminaAlliance (reviewed here) is one of many programs to take any opportunity for a day off and so observe both US and Panamanian official holidays. No interest is credited to members accounts on those days although the withdrawals are still processed fine. Payment options include LibertyReserve, PerfectMoney, EgoPay, and SolidTrustPay (direct bank wires are also accepted but for obvious reasons can only be processed on business days). After an enormously long run I believe FelminaAlliance has definitely deserved a place in the Top 5 most popular programs on my Premium list after paying to the investors since July 2011 on the available investment plans – 0.8%-1.4% for 90 business days, and 1%-1.6% for 180 business days and principal back on expiry. Since FelminaAllince obviously know what they are doing by running such a successful project for such a long time I wouldn’t be too critical of the occasional day off and so will just re-post their article so you won’t get caught off-guard if planning an investment with them in 2013. Just a quick reminder first that I still have about 30 promo coupon codes to give away to MNO readers which you can redeem on registration of your new account with FelminaAlliance to get a $10 free deposit bonus on condition you deposit at least $10 of your own money. I guess this offer is too good to miss and I urge you to contact me for your personal promo code if you’re thinking of joining anytime soon. Below is the full list of official holidays from FelminaAlliance for 2013 on when interest will not be paid to your accounts:

[FelminaAlliance] Official Newsletter
This is an official newsletter from FelminaAlliance Inc.
Upon receipt of numerous requests from our existing and prospective customers, we have decided to post the schedule official holidays we will observe in 2013 in advance.
As you know, we observe official holidays in the United States and Panama. No interest is paid on such days.
Below is the list of official holidays in the United States for 2013:
Tuesday, January 1 – New Year’s Day.
Monday, January 21 – Birthday of Martin Luther King, Jr.
Monday, February 18 – Washington’s Birthday.
Monday, May 27 – Memorial Day.
Thursday, July 4 – Independence Day.
Monday, September 2 – Labor Day.
Monday, October 14 – Columbus Day.
Monday, November 11 – Veterans Day.
Thursday, November 28 – Thanksgiving Day.
Wednesday, December 25 – Christmas Day.
Below is the list of official holidays in Panama for 2013:
Tuesday, January 1 – New Year’s Day.
Monday, January 7 – Day off for Martyr’s Day.
Wednesday, January 9 – Martyr’s Day.
Tuesday, February 1 – Carnival/Shrove Tuesday.
Friday, March 29 – Good Friday.
Wednesday, May 1 – Labor Day.
Sunday, November 3 – Independence Day.
Tuesday, November 5 – Colon Day.
Monday, November 25 – Day off for Independence from Spain.
Thursday, November 28 – Independence from Spain.
Sunday, December 8 – Mother Day.
Tuesday, December 24 – Christmas Eve.
Wednesday, December 25 – Christmas Day.
Thursday, December 26 – Christmas Day.
Friday, December 27 – Christmas Day.
Monday, December 30 – New Year’s Eve.
Tuesday, December 31 – New Year’s Eve.
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 GuaranteedProfit issued a newsletter last night dedicated to the program’s first two months online. He seems committed to taking all criticism on board which I also mentioned on my review of GuaranteedProfit published here which is always appreciated and change the site’s design which is planned for January next year. GuaranteedProfit pays on several investment plans returning principal on expiry and include 1.5% for 15 days, 1.8% for 30 days, 2.2% for 60 days, 2.8% for 90 days. The minimum you can invest starts at an affordable $5 which you can spend via LibertyReserve, PerfectMoney, SolidTrustPay, or EgoPay accounts with direct bank wires also accepted from a higher minimum. GuaranteedProfit also has its own forum on a different domain where members can discuss the program and ask questions from the admin directly. I have checked out the forum and can see that the most recent news includes the above-mentioned newsletter which I re-post below along with the link to the recent review of GuaranteedProfit on MNO and the casting for the regional representatives which looks kinda popular in the HYIP industry now:

News of 03 December.
Our program is perfect feeling, we dynamically and at the same time gradually developing, accumulated news about and write below:
1. Today (03 December), the program GuaranteedProfit birthday, two months, we are online!
2. We verify our Perfect Money account. (
3. We finally run the program of corporate representatives, we invite all interested parties. (
4. It was decided to change the site design. Development has already begun, we will finish all work approximately 3-5 January 2013. Waiting for you is the new personal account with a convenient and useful options, fresh style in bright colors.
We thank you for staying with us, we thank cooperation!
Best Regards, Josh Smith


There was a very short update sent to members of AustralianBusinessGroup (reviewed here) last night and posted on their website which is currently unavailable. I’m not sure what the reason behind that change of hosting was as AustralianBusinessGroup were already using the best protection provided by BlockDos for quite some time, but I hope the admin knows what he’s doing and I will update you on MNO as soon as the site is back online. Here’s the message you see when trying to access AustralianBusinessGroup at the moment:

New host
Dear investors. We go to a new host. The site may be down for 48 hours.


A new program with the rather strange name Mox has joined MNO’s Premium Listing today (also Sticky Listing for a month) after successfully running for over a week. The program offers instant payouts to LibertyReserve, PerfectMoney, SolidTrustPay, and EgoPay with interest of 11% credited to your accounts during a 13 business day (Monday to Friday) term. The minimum to invest in Mox starts from $11 with no maximum. Please note that your total profit in Mox will be 43% as your original principal is already included in daily profits and will therefore not to be returned on expiry. Still I believe this will make Mox more sustainable in the long run and will make it last longer, provided that’s the admin intends. The Mox website looks kinda nice and well done, the program is running off an original script and is SSL secured hosted on a dedicated server provided by NVHServer with DDoS protection by them also. I must add that I’ve been paid some of ref commissions twice, so I can confirm that withdrawals are indeed instant. The program is already on Paying status on MNO so I’m looking forward to reviewing it very soon. Stay tuned for that, guys!


Here is the list of the programs from my monitor that paid me for the last 24 hours:
From MNO Sticky list: ProsperaNova, Mox (the first payment received).
From MNO Premium list: ProfitableSunrise, EurexTrade, FelminaAlliance, StallionGold, TheMoneyGalaxy, BensonUnion, 4FXInvestment, ProForexUnion, DiamondAsset, FNOCapital, SecureIncome, SureInv, StartUpInvestCapital, ReferToWealth, GuaranteedProfit, FinanceArt, Lightraffic (the first payment received).
From MNO Standard list: UFOWin, SigmaSum, PlatinumVertex.
From MNO Basic list: XtremeRichness, InnovisCorp, TrackInvest, GoldenReturnLLC, TheInvestmentBank, Finance7, InvestmentCapital.

That’s it for tonight. Stay tuned for more news from the industry tomorrow and thanks to everyone voting on MNO TalkBack and letting me know what you think of MNO and the programs there. See you all tomorrow with another review and the latest news from the HYIP industry!

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