Jan 28th, 2013 Archives

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

Hello everyone! It looks like a quiet start to the new business week, with Monday only slightly busier than the weekend in terms of any news stories worth repeating. I have a couple of updates to get through for you later on, but first I want to start the week with a closer look at a brand new program called VFinance, which is more of a mid-term to HYIP this time and joined the MNO Premium List straight away after launch. There’s a couple of decent features to this one and I’d say the VFinance admin has gone to some effort in making a good program. I mean I’m the first to warn you that this in no way guarantees you anything, but I certainly don’t think the intention is a fast scam anyway. If it was then there are certainly easier and cheaper ways of going about it than this, and I just think too much time and expense was put into the program not to work really hard at making it a success. Anyway, let’s take a closer look at VFinance before we move on to the news and see if you agree. It might be worth taking a gamble on if you’re in the mood.

I’ll start as usual with the investment plans – the only reason VFinance are here at all, so why not – and I must say there’s quite an unusual twist on them. Unlike most other HYIPs you see where they just offer higher interest rates to the bigger investors, VFinance have a different spin on things. Everybody here gets the very same basic rate, but the difference is that bigger investors just get it for longer. So in other words your principal does not determine the interest rate, it determines the length of term.

Here’s how it works. You can join VFinance for a $10 minimum. In return for anything up to $500 they will repay you at a rate of 6% per calendar day for a term running 24 calendar days. Your initial principal is counted as part of those payments and so will not be returned in a separate payment. That means that your total return comes to 144% and is made up of your own money plus 44% net profit.

Or to put that in monetary terms, let’s say you spent $100. VFinance are offering you back $6 per day for the term. This allows you to break even (earn back your own money) after 17 days, and complete the 24 day term with $144 in total.

Where things start to change around a bit compared to other HYIPs is when we get to the larger investors prepared to go in with anything from a $501 minimum to a $2,500 maximum. VFinance are still only offering you the very same rate of 6%, but will pay it for an extended term of 25 calendar days. The total return therefore comes to 150%, and your principal is already counted as part of that. So it’s 50% net profit for yourself, but it still takes the same amount of time (17 days) to earn back your original deposit.

Finally then for the really serious players, VFinance are offering a daily interest payment of 6% to anyone willing to spend from $2,501 up to the maximum accepted by the program of $25,000. Yes, the rate is the same, but the term stretches to 26 calendar days bringing in a final return of 156%. VFinance include your principal as part of that, so it’s 56% net profit and your own money back (eventually) after 17 payments.

So if you like the investment plans then I guess you’ll be pleased with the payment options too. After all, if the choice of payment processors is poor then the best plans in the world will struggle to attract members so I suppose in a way one compliments the other. Anyway, all the important payment handlers are listed with VFinance such as SolidTrustPay, EgoPay, PerfectMoney, PexPay and LibertyReserve. Payments to members are made manually by the admin and so will need to be requested from inside your private VFinance account area. Once done all transactions are promised to be completed within 24 hours which is fairly standard practice for the industry.

On the design and security side of things, this is really what caught my eye about VFinance and gave such a good first impression (and the importance of that can never be understated when talking about shorter/mid term HYIPs like this one). The program is running off an exclusive custom made script, but despite being unique is also remarkably user friendly and easy to navigate. And it’s not really that common for programs like this to stray too far from the mass produced generic ones used by practically everyone else in the industry, so that by itself is a sign of quality and again an extra effort from the admin. Hosting is also pretty solid, with VFinance being kept on a dedicated server with the support and protection of BlockDos who are almost universally acknowledged (by everyone except their competitors that is!) as being one of the best options for HYIP websites. On top of oll that the VFinance website is also SSL-encrypted by Comodo for safer browsing and more secure transactions. For any further questions for the admin or account related issues you are free to get in touch with them by filling in your details on the online ticketing support form on the contacts page and submitting it. VFinance also list a postal address though I happen to recognize it as a “virtual office” that businesses can (and a great many perfectly legitimate ones do) use as a mailing center or point of contact, though not necessarily a place where any of them would actually work from or be there were you to visit.

Website content seems original but I must say is typically vague concerning any serious business plan backing the whole thing up. Some mentions are made of “trading and investment opportunities”, but the trading of what exactly remains a mystery. Certainly nothing you can research and confirm by yourselves anyway, so best not even go down that road as you’re unlikely to find anything other than what experienced players already know – that VFinance is to be treated as an online HYIP. There are many benefits that go with that, but naturally they come at a price which is that this is a very high risk activity. So despite the high expectations expressed by many investors you will still need to behave sensibly. I mean there’s no need to be afraid of HYIPs as long as you know a couple of basic ground rules for your own protection, and these are just common sense when you think about it. So always establish a strictly enforced spending limit based on your means that you can comfortably afford to lose, and if signing up for VFinance at all then try to keep them as part of a wider more diverse portfolio. And don’t forget to have fun along the way too!



It looks like the free money for the members of VisitAd will not be available anymore for surfing. The offer of a free $1 per day which was described in my review of the program here was abused by some users opening multiple accounts in VisitAd with one aim in mind – to get as much money as possible out of the program. It was obviously impossible to continue like that as it was disastrous for the future of the program that was endangered to say the least by cheaters. The necessary preventative measures were taken by the admin of VisitAd who disabled the surfing while he tried to eliminate those out to spoil the program for everyone else, and just today enabled it. However, as per the latest newsletter published below only paid members with at least a $10 minimum deposit into the 7%-9% for 20 days plan via the four payment processors – LibertyReserve, PerfectMoney, SolidTrustPay and EgoPay – can take advantage of the surfing offer and could possibly earn up to $2 per week in addition to their earnings for the purchased adpacks. Anyway, the necessary changes have been made to ensure a smooth run for VisitAd which is getting more popular among MNO readers every day. I hope the changes outlined below will only strengthen the position of VisitAd in comparison to other programs and protect the interests of any genuine users from any further abuse:

Promo Pack Updated, Start Rating is Active Now
Hello Members
As promised in our previous newsletter,we have updated our promo pack.
The working Plan of Promo pack, so as to be eligible to earn 2 $ in a week is described below :
Member need to surf 500 Ads spread over a period of 7 days.
Only 100 Ads can be surfed in one day.
Member must have an Active AD pack.
No membership or Subscription required, and you can earn 2 $ a week as long as you have an Active AD pack.
You cannot earn more than 2 $ in one week
Note: We have updated the above plan in View Ads tab of our website,we have also modified our FAQS and Banners.


To my huge surprise, when checking my account in AlevrasInvestments today I noticed that the withdrawal tab completely disappeared from my account, so it was absolutely impossible to withdraw any earnings from the program. First I thought it was some kind of a glitch in the script, especially as other investors reported the same issue on the MNO ShoutBox today. However, after being able to get into the withdrawal option in AlevrasInvestments via a direct link posted on one of the forums and actually attempting a withdrawal to LibertyReserve I found my withdrawal request had been put to pending status. That’s not a good sign at all. As AlevrasInvestments always used to pay instantly, and in light of the admin’s silence I can only assume the worst and moved the program to Problem status in the interests of the current investors. AlevrasInvestments will stay on Problem status on MNO until everything is clarified about the withdrawal tab disappearing and the withdrawals are paid promptly and instantly as usual. I’m afraid that it’s not going to happen, but if it does I will keep you updated on MNO tomorrow.


The newest addition to the Premium Listing on MNO – GoldenPayment – is a short-term project which was only launched a couple of days ago. Running off a licensed GoldCoders script which will be familiar to many investors, GoldenPayment takes only LibertyReserve and PerfectMoney and promises payouts to be processed within 24 hours of request. Investment plans include several variations with the same $10 minimum and on expiry returns – 105% after 1 day, 120% after 3 days, 150% after 7 days, 325% after 15 days. The website is up to a decent standard, SSL-secured by Comodo and hosted on a dedicated server by Staminus which I believe provides DDoS protection for them too. It’s way too early to say anything else about GoldenPayment as I didn’t get any payment yet, but after the first days online the project has Paying status on other monitors covering them and got some get paid reports from investors who joined. I’ll take a closer look at the program in a couple of days and a full review will be posted, 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 listProForexUnion, MGProfit, VFinance.
From MNO Premium list: ProfitableSunrise, EurexTrade, SureInv, StallionGold, TureProfit, DiamondAsset, 4FXInvestment, BensonUnion, 40Daily, Stravia, AIOFinance, VisitAd, GISolutions, Xgolding, BerkeleyFinanceGroup, VFinance, ADSolid.
From MNO Standard list: BGTGroups, InstantlyPay.
From MNO Basic list: PerfectForex, InvestmentCapital, MainaLimited, Finance7, Money&Credit, TheInvestmentBank, FinanciaLtd.

That’s it for tonight, guys. I hope to see you tomorrow for a full review of Black&WhiteFund and more news from the industry. See you then!

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