Feb 17th, 2013 Archives

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

Hi everybody! When I look at some of the more recent additions to the MNO monitoring page I can’t help but notice that several of the better quality programs seem to be making more of an effort to distinguish themselves from the rest of the industry. The program I’m looking at today is called MalaysianINC which tries to do this by offering slightly more unusual or unconventional investment plans. Something with a twist if you like, as it’s a competitive market at the best of times and you need something to keep the program in good financial health. It may well prove a wise strategy (we’ll see that in time). In this case as well as some typical HYIP style plans their particular niche is to offer a system of variable interest payments. I’ll get to why this is beneficial to MalaysianINC and their members in the long term in more detail in a moment but first let’s take a look at the investment plans.

I’ll just point out before we begin that MalaysianINC are working on business days only. Now, while most folks would assume that means Monday to Friday (which is correct) how it actually works out in reality is that your account gets credited with the money earned by MalaysianINC‘s trading activities on the day after it’s been earned. So in actual fact the money you receive today was generated yesterday, meaning the “business week” has the slightly unusual appearance of running from Tuesday to Saturday here.

To start with MalaysianINC is best described as a medium to long term program. After being online for a week already it’s not totally brand new program, but given the length of their plans that wouldn’t be a major concern at this point. It has four investment plans running for various terms that make daily payments. The first of these runs for 15 business days (three weeks) and is called simply The Basic Plan. You can join for a very reasonable minimum spend of just $5 or indeed invest anything you like up to a maximum value of $99. Over the course of the term you will receive a daily return from Tuesday to Saturday that can fluctuate between anything from at least 1.63% up to a top rate of 2.06%. Then at the end MalaysianINC will have your original principal returned.

This of course makes it difficult, pointless actually, to try and give you any kind of practical example of how this might play out with a real investment. The variables are simply too great, but in the worst case the total profit shouldn’t be less than 24.45% and in the best case it won’t be bigger than 30.75%. My best guess would be what you really get is somewhere in the middle, but it could be anything. MalaysianINC have included a chart where you can see what the past rates have been if you really think that’s helpful, though you can’t rely on past performances being an accurate indication of what’s coming next.

A lengthier more profitable option for those prepared to spend between a $100 minimum and a still (in HYIP terms) conservative $999 maximum is The Regular Plan, MalaysianINC‘s second choice. It runs for a 30 business day term (six weeks) and also makes daily interest payments on your investment. This time the rate can vary between anything from 1.82% up to 2.18% per day with MalaysianINC again returning your principal on expiry. Payments will total an amount not less than 54.6% as your own net profit or could potentially be as much as 65.4%. Either figure is unlikely however and a better guess on your final return would be closer to the middle.

And then the third plan, The so called Premium Plan, is open to investors with between a $1,000 minimum and a $4,999 maximum to spend in MalaysianINC. It runs for 60 business days (12 weeks) and repays you at a variable rate of between 2.15% and 2.43% interest per day from Tuesday to Saturday. Then your original principal will be returned on expiry of the term. Unlike the previous two plans this one will actually put you in profit before it finishes, requiring a maximum of 47 of the 60 expected payments to get you there. All together though the interest payments should add up to anything from 129% to a possible high of 145.8% in total, your final net profit once the MalaysianINC admin returns your principal.

And finally for the really big spenders out there MalaysianINC have what’s modestly titled The Excellent Plan. Now, it costs a minimum of $5,000 to join so clearly it’s not for everyone but just for your information I’ll try and explain it anyway. The term runs for 120 business days (24 weeks) and from Tuesday to Saturday you can earn a daily interest payment of not less than 2.63% but not more than 2.95%. MalaysianINC promise to return your principal on expiry. So you should expect the total profits in that case, assuming everything works out according to plan, to be somewhere between at least 315.6% and at most 354%. There’s no stated maximum for this plan so you’re free to spend how much you like.

So far so good, but there’s still nothing out of the ordinary in financial terms going on here. I mean the plans are good, being both profitable and sustainable, but still nothing we haven’t seen before. Where MalaysianINC does have an edge over the competition though is the variable interest rates, and that’s what’s really going to prove crucial in the admin’s efforts to make this a serious force in the industry. By keeping much tighter regulations on the cash flow he can slow things down a bit and not make financial commitments he can’t afford to keep if there’s a quiet week or two like every business would experience. You may not like it if the payments are made at a lower rate, but it’s in everyone’s best interest that this happen occasionally and it’s entirely your own fault if you genuinely expected the top rate all the time.

Other than that the only things I think you need to know about the plans would be first of all the payment options, and MalaysianINC accept all the popular processors in the industry including SolidTrustPay, EgoPay, LibertyReserve and PerfectMoney. That’s pretty much a minimum expectation from any program looking to be taken seriously these days anyway, so I’m glad to see it continuing here. The other thing though, and this is pretty unusual I must say and not something I remember seeing anywhere else, is the timing of the withdrawal payments themselves. I suppose the best way to describe them would be “almost but not really instant”. The members will still be required to log in to their MalaysianINC private account areas and make a withdrawal request. The payment will then be managed automatically by the script, however unlike other programs where this is done instantly MalaysianINC take about five minutes or so for theirs to be completed. So it’s really fast, but do remember to allow them a couple of minutes. I just think it’s worth highlighting because the website actually describes the payments as instant, however I don’t think everyone would necessarily agree with that definition. This isn’t guaranteed all the time by the way, and you are in fact required to wait anything up to 12 hours for the payout, though I myself have never found myself waiting more than a couple of minutes.

You’ll also find an option for compounding if you want the extra risk of re-investing your profits as opposed to actually withdrawing them. You can set the rate yourself on making a deposit but are under no obligation to commit to this as you’re free to make adjustments any time you like.

MalaysianINC is overall a very professional and well crafted program, and that will surely go a long way towards reeling in a good number of new members I’d say. For one thing it runs off a unique and original looking script, and the program is properly SSL encrypted in both public and private areas to allow safer browsing and more secure transactions. Hosting is on a dedicated server by SoftLayer and protected from DDoS attacks by Staminus. Customer support if you have any questions for the admin or account related issues is available by filling out the ticketing form on the contacts page and submitting it. Also included is a Live Chat feature so if there’s an operator free then you can get your questions answered in real time. I can only confirm that the chat actually works which is reason enough to be pleased when I compare it to other programs, however I don’t believe it’s a 24 hour service as the website implies. Fans of social networking sites will be pleased to note that MalaysianINC do have profiles on both Facebook and Twitter. There’s not much activity on either just yet, but then again the program’s only online a week. The MalaysianINC website has a postal address and though I’m in no position to verify this would expect it to be a serviced office and probably not where you find anyone connected with the program working out of. And finally not actually listed on the contacts page (go to the “about us” page for this) you can just e-mail the program directly at one of the addresses named.

Unlike the rest of the website texts are not original, though the story they tell is hardly a new one anyway. As you might have guessed from the name MalaysianINC is allegedly located in Malaysia and involved in the world of stock trading, lending equities, and so on. I can’t say there’s no truth in it but to be honest I wouldn’t think that it is. I see nothing that suggests it to be true or can be proven and copy/pasted texts do little to help. Therefore it’s your only option to always treat what you find on the net with some caution, without being afraid of it either of course. After all, it’s a risk even getting out of bed in the mornings! So as is always the case if you want to join MalaysianINC then set yourself an affordable spending limit and try to use them as part of a more varied portfolio.



There was an exciting contest launched by BensonUnion (reviewed here) today. It only applies to the larger investors with at least $5,000 in the 1.2%-2.45% for 170 business days plan with principal back on expiry. Those entitled to participate have a chance to win a dream vacation to the Dominican resort of Punta Cana. To participate you’re required to submit you’re success story with BensonUnion and show the payment proof of a payment received from them. More information is available on the BensonUnion website and in the newsletter from the admin Ragnar (interviewed here) which you can read below:

New contest started!
Dear investors! BensonUnion informs about new exclusive contest which was pre-announced last a few days ago. The contest budget is $25,000. Thats the same amount which we spent for our previous Christmas contest. There will be 5 winners and each winner will go to luxury 5 star hotel in Punta Cana, Dominican republic. Investor needs to have at least $5,000 deposited with BensonUnion. Every investor who invested this or large amount can see Contest button in member area menu. Please click it and follow rules, all you need to do to participate is just to write a “My success with BensonUnion” story and upload payment proof (e-currency or bank account screenshot confirming that you received payment from BensonUnion). The winners list will be announced on March 10 and the authors of best stories will need to leave to Dominican Republic after 7-10 days. BensonUnion will book the flight and hotel for this date. Of course we expect that someone won’t be able to fly for a dream vacation so these winners will have a right to request cash refund of this tour which will be paid through one of our accepted payment options on their choice. More information can be found on our website. The list of first participants will be posted on our website once we receive enough applications. Thank you for attention. Stay tuned!

In his second newsletter for today which was sent a few hours later, Ragnar reminds us that due to a US federal holiday tomorrow will be a non-business day and you won’t be earning. As BensonUnion pays on business days only, such holidays are usually taken as non-trading days. There were also further details regarding the contest provided in the previous newsletter, so please read it till the end if interested:

Non-trading day
Dear investors! BensonUnion informs about non-trading day on February 18, thats why there will be no interest on Monday. We still remind that every investor who already invested $5,000+ amounts who will invest this or larger amount will be able to participate in our exclusive “Dream Vacation” contest. Every active investor who has $5,000 total deposited can see Contest button in member area menu. Please click it and complete application, you will need to write “My success with BensonUnion” story and attach screenshot with payment proof. The list of first participants will be published on our website in a few days. The contest will last till March 10, then we will choose 5 winners and book a dream vacation in Dominican Republic including 2-way tickets. Those winners who won’t be able to travel for some reasons will receive a cash refund for at least $2,500 each. Stay tuned for next updates! More info – https://bensonunion.net/data/contest_winners


There was a very brief update from ADSolid today. The program is striving to add more language versions of its website to appeal to a wider more international audience and be user friendlier to those not speaking English. So, after the recent addition of Chinese and Korean it was announced today that another language was added as ADSolid becomes available in Vietnamese:

We have just launched localized site for Vietnamese language!

The full review of ADSolid can be read on MNO here. The program accepts LibertyReserve, PerfectMoney, SolidTrustPay, and EgoPay with a $10 minimum and direct bank wires with obviously higher figures. The investment plan ADSolid offers pays from 1.2% to 2.1% for 150 days with the interest credited on business days only and the original principal returned on expiry.


Many readers noticed the PremierLeagueProfits website was not accessible yesterday due to DDoS attacks on the program’s servers. I can say that the admin Tony handled everything properly and updated MNO readers and his investors via the ShoutBox about the attack and what was being done to put a stop to it. Finally, today PremierLeagueProfits is back online and Tony sent a newsletter informing everyone about the attack and its successful mitigation:

Back online after DDOS attack
We are back online after a severe DDOS attack which lasted for around 20 hours, I will update everyone later with our newsletter after we check all our security and add an extra layer of protection, all payments that were pending have been paid and we thanks everyone for their patience whist we were offline.

You can always read more about PremierLeagueProfits in my review published here. The program accepts investments starting from a $10 minimum via SolidTrustPay, EgoPay, LibertyReserve, and PerfectMoney. There are two available investment plans both of which return your principal on expiry – 1% for 180 business days and 7% for 30 weeks. Hope that from now on PremierLeagueProfits will be more stable and less prone to the attacks that are so commonplace in the industry.

By the way, just a couple of hours ago Tony issued his regular weekly newsletter which this week was delayed due to yesterday’s unfortunate incident. He thanks investors for their kind support and expressed hope that the advertising campaign of PremierLeagueProfits will be taken to another level very soon and ensure stable and gradual growth in the long run. Here’s the weekly newsletter in full:

Weekly Update from PremierLeagueProfits
I was just going to sit down and write the weekly review yesterday when the lights went out on the website and I discovered we were having a severe DDOS attack and we were unable to communicate at all. I had to think of ways to get the message out that members need not panic, so I mailed a few members who I knew would get the message out. Paul of Money News Online kindly offered to let us use his shoutbox to get the message across and a couple of members posted on TG,MMG and DTM. We want to thank everyone for their patience whilst the attack was repelled and we came back online earlier today, I can tell you that it was a very stressful experience at a time when we are growing by the day and gaining the trust of many in this industry.
Back to general talk now and like I just said our growth is continuing to make waves in the industry, we are only just getting started and still a young company and because we have perfected a system it does not matter when you join we will always pay within a few hours if we possibly can. Throughout our stressful weekend our team of betting experts have continued to pile up the profits for our many members who have trusted us with their money.
We hope to step up our advertising campaign over the next 2 weeks and we are on course to reach the 2000 member mark next week. More bonuses are a possibility to give members the incentive to earn some referral commission so watch out for that coming soon.
So hope you have a another good week and thanks again for being a member of our great program.
Tony Admin.


GoldenPayment (reviewed here) also suffered from a huge DDoS-attacks today which caused the admin move the site to BlockDos who are the leading providor in the HYIP industry. Please note that the GoldenPayment website might not be accessible to everyone just yet due to the necessity to be propagated around the world on the new servers, but I myself was able to access it already, requested the withdrawals and was successfully paid. GoldenPayment has been paying for 20 days to SolidTrustPay, EgoPay, PerfectMoney, and LibertyReserve accounts on four investment plans – 105% after 1 day, 120% after 3 days, 150% after 7 days, and 325% after 15 days. If you wish to learn more about the program you can hear first-hand from the admin Dennis in the interview he gave to MNO (click here to read it). I’m personally really glad that GoldenPayment is back to normal now and hope it proves the admin’s seriousness and determination in continuing his project as long as possible. Here’s the latest newsletter issued by Dennis today after the move to BlockDos had been completed:

GoldenPayment moves to BlockDos
We suffered a large scale DDOS attack earlier today on GoldenPayment. We have employed the services of BlockDOS and the domain should be propagated worldwide in the coming hours. For many, the site is already loading. If not, please allow some time for the site to become available to your internet service provider.
Thank You, GoldenPayment.


Please note that for the next seven days Nubcoyu will be in hibernation mode when no new deposits will be accepted into the only available 1.4% for 200 business days plan and the withdrawals will not be processed either. According to the admin, it’s connected to a trip by the admin and his assistant to the Japanese isle of Hokkaidou. Allegedly they will not have online access there, so they will not be able to manage deposits and withdrawals properly. To make the sound believable there was a detailed explanation provided by the admin why the use of laptops is not allowed and there was even a schedule of the trip published on one of the newsletters sent to Nubcoyu‘s members today. In any case, I’m not that concerned with excuses and make no exception for Nubcoyu. I’m moving it to Waiting (On Hold) status on MNO monitor where it will stay for one week after which hopefully withdrawals will resume as usual. But at the moment I would like to warn from joining Nubcoyu and stay away from it for a while for your own safety! I will re-post the latest newsletters from Nubcoyu that contain all the necessary information for the programs’ investors and hopefully we’ll see them back to Paying status on MNO soon:

Nubcoyu Holiday in Full Effect!
Dear Valued Investors,
Hello NY family! I’m now at the Janet office, preparing stuffs for tomorrow’s departure. Just now, I’ve disabled our current investment package of 1.4% daily for 200 business days. The changes will be as follows:
1. Users will not be able to make any investments during the period.
2. Users will not receive any earnings
3. Users, however can still make withdrawals as long as they have the amount in the balance. They will be processed after we’ve returned from Hokkaidou.
Thank you for your support for NY family! If you have anything to talk, I’m on Skype and Facebook. Hope to see you there.
Well, we’re leaving…Ittekimasu!!
Regards, Nubcoyu

Nubcoyu‘s Schedule From the 18th – 22nd of February
Dear Valued Investors,
Greetings everyone! As most of you might have already known, Misaki and I will be leaving for our company’s (not Nubcoyu) training camp in Hokkaidou. I’ve been asked by many of our family members about the reasons why I can’t process the withdrawals on the age where technology is nearly accessible everywhere. Well, as I said before, it sounds a bit crazy and I don’t really like it myself, but our company doesn’t permit bringing of laptops, nor I’m allowed to slack off on my own to the internet cafe. This is because, we’re not on the holiday and we’re there to work. In other words, it’s within the salary if you like. So no bosses would be happy to have his man slack off to process the payouts for something unknown to them. The senior-junior relationship in Japan is 10x more strict than in the West, thus slacking off on my own is nearly impossible as the higher ups simply won’t allow it. In addition, the loyalty to the company is more important than one own’s business. In other words, I don’t have any chances to process the payouts. The schedule is filled with almost no gap to breathe, so I’ve decided to announce the period as Nubcoyu‘s holiday.
Insight into our schedule:
If you’re lucky, you might happen to meet a group of workers there with me amongst them. I’d be happy to meet you in person. Maybe you shout: O-i! Umezawa!! Then you might actually find me. lol
16:00 Gather at Janet company.
17:00 – Mignight : Prepare all necessary documents for the training camp.
06:00 Gather at Janet company’s main gate
06:20 Departure to Haneda Airport
10:00 Arrival at Haneda Airport
10:40 Departure via JAL1107
13:20 Arrival at Asahigawa Zoo
13:40 – 18:30 Negotiations regarding future tour guide/Worker’s meetings
19:30 Arrival at Noboribetsu Onsen
20:00 – 21:00 Dinner
21:30 Bed Time
04:00 Wake up/Preparation
05:00 Departure to Sunriver Ski Resort
05:15 – 07:50 Area set up/receptionists stand-by
08:00 Our VIP guests arrival
08:15 Start of the company’s general meeting
Until 19:00 Accompany our VIP guests all day long/some staffs are assigned to special training(me included)
20:00 – 21:00 Dinner (At Noboribetsu Onsen)
21:30 Bed time
04:00 Wake up/Preparation
05:00 Departure to Shiraoi City
07:00 Arrival at Shiraoi Branch of our company
08:00 – 12:30 General Meeting
12:30 – 13:10 Lunch Break
13:15 – 19:00 Annual Report & Performance Analysis (I’ll be here)/Worker’s training
20:00 – 21:00 Dinner (At Art Hotels Sapporo)
21:30 Bedtime
04:00 Wake up/Preparation
05:00 Departure to Otaru City
09:00 – 20:00 – Work Study Program (I don’t really know what it is)
20:30 – 21:30 Dinner
22:00 Bedtime
04:00 Wake up/Preparation
04:45 Departure to Shiraoi Branch Office
07:00 Arrival at Shiraoi Branch
07:40 – 12:30 Annual Meeting with the Shiraoi Branch
12:30 – 13:20 Lunch Break
13:30 – 19:00 Annual Meeting (Continued)
19:30 Arrival at Art Hotels
20:00 – 22:00 Celebration/Party
22:30 Bedtime
08:00 Wake up/Preparation
08:30 Departure to New Chitose Airport
12:40 Arrival at New Chitose Airport
12:50 – 13:30 Meet up with our clients/Check ins/Buy souvenirs
15:00 Departure from Hokkaidou via JAL514 Flight
16:40 Arrival at Haneda
20:00 Arrival at Yamanashi
21:00 Arrival at my home/enable the package/process withdrawals
That’s roughly my schedule. Again, I’ll always be available on FB and Skype whenever I’m free, so please don’t worry.
Regards, Nubcoyu


Apparently SmartChoiceInvest started paying selectively and today I received a confirmed complaint from a reader whose withdrawal to LR was not paid for over 24 hours. The program meanwhile pays monitors perfectly well, but no selective payouts will ever be tolerated on MNO and any program doing so will immediately be named and shamed. So I’ve moved the program to Problem status on MNO as soon as I confirmed the complaint. Please stay away from SmartChoiceInvest and do not invest there. You’ve been warned!


Here is the list of the programs from my monitor that paid me for the last 24 hours:
From MNO Sticky listProForexUnion, OilOfAsia, PerfectForex.
From MNO Premium list: ProfitableSunrise, StallionGold, MajestiCrown, BensonUnion, GoldenPayment, Stravia, AirCargoXpressExpressProfitShares, AXAIndustries, RewardsWeekly, ADSolidHurricaneAssets, CostaAlliance, MalaysianINC.
From MNO Standard list: AustralianBusinessGroup, AxiomInvestingGroup, PureIncome.
From MNO Basic list: InvestmentCapital, MainaLimited, Finance7, Money&Credit, TheInvestmentBank, SecureGains.

That’s it for tonight, guys. I hope the information provided was useful for you and hope that you will check out my blog tomorrow for all the latest news from the HYIP industry and a full review of one of the recent additions to my monitor – CostaAlliance. See you all then and enjoy the rest of your Sunday!

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