Mar 15th, 2013 Archives

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

Hi everyone! To finish up the week I want to take a closer look at another of the recent additions to the MNO monitoring list called EliteBank. It’s another short term program this time (if that’s not your thing then don’t worry, I have plenty of others lined up between now and next week) which by now will have a familiar look to it for most of you. I should start by making one thing clear however, and it’s that EliteBank is in no way a new program, just a new addition to the MNO monitor. The program itself has in fact been online for around a full month now. Whether you choose to take that as a warning sign or a welcome indication of professionalism is entirely up to you, but there’s one thing we’re all going to agree on when taking the investment plans into consideration which is that no mater what happens EliteBank next it’s been a commendable achievement to get this far.

Beginning as usual then with the plans, there are six in total to choose from in the program, all of which make one single payment on expiry. EliteBank will determine the interest rate based on the size of your deposit and include your principal in the payment together with your profit. Some of the plans are quite reasonable and easily workable for a number of cycles as the admin has proven beyond all doubt over the last month, while others are a bit shall we say “fanciful” and probably best avoided. Not that they can’t possibly be achieved that is, it’s just doubtful they can be sustained. So the first one runs for just 1 single day and can be joined for a $10 minimum. Anything from that up to a deposit of of $5,000 will get you back a total return of 104%, or 4% profit. For bigger deposits EliteBank offer 120% to amounts from $5,001 to $50,000 which is the maximum permitted.

Your second option runs for a riskier 7 calendar days and can also be joined for a $10 minimum deposit. Anything up to a $500 investment sees EliteBank offer you a return on expiry of 130%, principal included. So that’s 30% net profit for yourself. Returns on larger deposits include 135% on amounts between $501 and $1,000, and 140% for anything between $1,001 and $2,000. See the EliteBank members area for further details if interested in spending anything more than that.

The third EliteBank plan runs for a term of 14 calendar days, which as you can see is more of a risk but still need only cost you a $10 minimum to join. Risk more than you’re comfortable losing and you’ve only got yourself to blame. Anyway, for a deposit up to a maximum value $500 EliteBank offer a final payment of 200% on expiry, principal included. For bigger deposits the payouts on offer include 205% on amounts between $501 and $1,000, and 220% on amounts from $1,001 to $2,000. Unlikely to be achievable on any sort of consistent basis but as I said the decision to join or not rests with you. For information on larger investments see your EliteBank members area.

The next plan runs for a term of 28 calendar days and requires a $10 minimum deposit. Despite being affordable, the increased risk will probably help to make it a less popular pick. Interest payments are made once on expiry and will include the member’s principal as is the case with all EliteBank plans. Deposits up to a maximum value of $500 are offered a payment of 800%. If you wish to make a bigger deposit then other rates include 850% on amounts between $501 and $1,000, and 1,000% for anything between $1,001 and $2,000. See your EliteBank account area for any further details on deposits bigger than that.

And finally there are two plans which I’m going to include more for information and amusement purposes only. First of all running for a term of 45 calendar days is a plan offering one single payout of 9,000% on all deposits from $10 to $50,000. The other one runs for 55 calendar days and offers an even more unfeasible 15,000% (reminiscent of Weimar Germany 1929!) on deposits starting from $100 this time but also up to a $50,000 maximum.

I’m not trying to say that EliteBank can’t possibly last that long, indeed they’re well on the way to getting there already, but these last two options are clearly just vehicles for the admin to collect money from the gullible while maintaining the image of a paying program with the other plans. Apologies to the experienced players for stating the obvious here (I’m addressing this to the newbies) but why anyone would throw money away on such far fetched plans in a program with a solid proven record pf putting members into profit in as little as 24 hours is beyond me.

Payment options are are decent enough and include all the popular HYIP industry providers, including SolidTrustPay, EgoPay, LibertyReserve, and PerfectMoney so there’s no real need or expectation of it being expanded. Payments are not made to members instantly but they are completed very very fast. Officially EliteBank will tell you to allow up to 8 hours for your payout to be processed which is quite good by any standards. Some might even argue that this is probably a better situation for a program that runs off a GoldCoders script like this one does. It’s far more secure and allows the admin to verify that the money is genuinely going to the investor who rightfully owns it rather than some account hacker.

As for the design and security, like I already said EliteBank is running off a script under license from GoldCoders. The website is SSL encrypted and is hosted on a dedicated server with support and protection by BlockDos. If you have any questions for the admin relating to your account then you can reach him by filling out the e-mail ticketing form you’ll find on the EliteBank support page and submitting it. Also included are a selection of telephone numbers, one offering support in English and the other offering support in Spanish. So feel free to check them out any time if you’re genuinely expecting an answer because EliteBank will claim that both are available 24 hours per day. Another way of contacting the admin is to write directly to the admin at the e-mail address listed there. Incidentally you’ll probably also notice a postal address, however I suggest you ignore this. From experience I can tell you EliteBank is entirely an online venture and any physical address will be no more than a serviced office (if even that) used for message collection purposes only.

Regarding the business activities backing the whole thing up, EliteBank are claiming to be an actual savings and investments bank, fully licensed and regulated by the financial authorities in Costa Rica. They even have a short video presentation to “prove” it. So, a mainstream High Street bank that takes LibertyReserve, gives accounts to foreigners over the net, and requires zero proof of ID and address? I don’t think so! Feel free to contact the Costa Rican financial regulators if you wish, but I can save you time and the price of a phone call by telling you to not take a word of this seriously under and any circumstances.

As with all high risk HYIPs you know to keep your wits about you at all times and be aware of exactly what you’re getting yourself in to. If you play it right EliteBank can generate a reasonable return on a modestly sized deposit within a reasonably short space of time. The problems only arise when people have totally unrealistic expectations and start acting on them, and that rarely ends well in this industry let me tell you. So as ever keep EliteBank as a smaller part of your portfolio (assuming your joining it at all, that is) and set yourself a sensible spending limit. But just because some of the plans seem a bit unfeasible doesn’t mean there isn’t a couple of bucks to be made on the others. I’m not going to lie to you here, the age of the program is going to be a major factor in whether new investors join and old investors go for a second round. I have however seen numerous programs similar to this one run for well over the month that EliteBank has already been here, but there are no guarantees so please don’t go looking for any and behave sensibly is joining. And if you are taking a chance on them, try to keep EliteBank as a smaller part of a wider more diverse portfolio.



Payouts to LibertyReserve were delayed today in many programs as LR issued an update regarding the scheduled maintenance which lasted for only a few hours before payouts were resumed. The most popular short-term project on MNO SphereINV  (reviewed here) was no exception and usually fast payouts to LibertyReserve were delayed for a few hours while after that they went back to normal of which the admin informed members through a series of emails issued today. Here’s the latest two from him:

Liberty Reserve Maintenance
SphereINV members,
Liberty Reserve is currently under maintenance. All other withdrawals are being processed at this time. We will process Liberty Reserve Withdrawals once it is back online.
From Liberty Reserve’s Blog:
“Liberty Reserve will be unavailable on:
March 15, between 02:00 (pm) and 05:00 (pm)(UTC)
This upgrade will give you a faster, more productive system.
Thank you for choosing Liberty Reserve.”
Thank You, SphereINV administration.

Liberty Reserve Payouts Processed
SphereINV Members,
Liberty Reserve is back online and all payouts have been processed.
Thank You, SphereINV Administration

Of course, LibertyReserve is not the only payment processor accepted by SphereINV as it also takes deposits via EgoPay, PerfectMoney, and SolidTrustPay. The minimum starts from $5 and the only investment plan provides timely payouts on a 133% after 3 days plan. By the way, today the third cycle was successfully completed and payouts completed making good profits for those who joined. Tonight I sent some interview questions to the admin of SphereINV so hopefully he’ll reply to that soon.


As for AirCargoXpress (reviewed here), it’s probably now the best among the longer-term programs paying 2%-3% for 10 days, and 3%-4% for 15 days with principal return on expiry to SolidTrustPay, EgoPay, LibertyReserve, and PerfectMoney. Investments are accepted from a $5 minimum and the payouts have been processed very timely during the first three months online as Dylan, the admin, (interviewed here) mentioned in the newsletter today. However, there was a new limited investment plan added which is not necessarily a good sign, because it’s usually used by admins as a trick to collect more money before disappearing. The plan offered by AirCargoXpress pays you 7% interest for the duration of 5 calendar days with the principal only returned on expiry. According to Dylan the new plan is a limited offer and will be available for the next 5 days only (till March 21st). Although it might not be a problem for AirCargoXpress yet, I would still not advise joining this plan for now. Any new plan added by HYIPs generally means they might have cashflow issues. I hope that AirCargoXpress is actually trying to make an impression and appeal to a wider audience now favoring shorter term programs although it’s not guaranteed, so think twice before investing.

That was the main piece of news from AirCargoXpress for tonight, but not the only one. Apart from praising investors for their trust during its first three months online, Dylan also talked about representatives of the project, the upcoming testimonial page and a video that would explain the benefits of the referral program that promoters could benefit from. I hope AirCargoXpress will continue and grow with time, although the newly added investment plan makes me cautious.I’ll report if anyone joining this new plan is paid the principal back on expiry. Here’s the full version of the newsletter:

Greetings dear investors,
Today is another important day in the life of our company! As you may have already noticed, it’s been three months since AirCargoXpress successfully launched its website online. Do you remember that a while ago we asked you how we could reward you for being our loyal investors? Well, the majority of you suggested that we provide larger profits. Due to the fact that with your help our company has become so popular and has been operating successfully for these three months, we decided to show our appreciation for you being our loyal investors by giving you a chance to receive larger profits for a limited time. We’ll not be able to provide this opportunity for longer than 5 days since the company needs stable profit in order to continue developing, therefore you have a chance to get a bigger piece of a pie during a short period of time with an additional plan which offers 7% daily for 5 days with a principal back.
We’ve also added more representatives to the list and if you have any questions, feel free to contact them and ask for advice. If you haven’t received an answer to your question from our representative you’re always welcome to contact our support team and ask them your questions directly.
Another thing that we want to inform you about is that currently we’re working on the Testimonials area that you have also requested, so soon you will be able to express your thoughts and wishes by posting them on that page. We’ll also publish the results of our recent poll in the Testimonials area and you will have a possibility to add your further answers there.
As we’ve mentioned in the latest newsletter we’re also working hard on a video that will help you understand why our referral program is better than any other in the industry and explain you how to receive passive income with its help.
We’re glad you’re enjoying the opportunities provided by AirCargoXpress and we hope that you are excited about even greater improvements just like we are!
We’d like to thank everyone who helps promote our company and we really appreciate your votes and payment proofs posted on forums, monitors and blogs. Together we will make AirCargoXpress a number one investment company online!
Kind Regards, AirCargoXpress team


Apparently, ADSolid (reviewed here) is also struggling for investors’ attention and more deposits as today a change in investment plans drastically altering the status of ADSolid from a long-term program to a short-term one was announced. The Diamond plan was totally scrapped, I believe, because no one wanted to invest the $25K required by its terms. So effectively from today ADSolid has a short-term Platinum plan paying 0.8% return for the duration of 5 days with 4% total profits paid in the end. The longer term plan remains the same paying from 1.2% to 1.7% for the duration of 150 calendar days with interest credited on business days only. I remind you that ADSolid accepts SolidTrustPay, LibertyReserve, PerfectMoney, and EgoPay with instantly processed payouts and some advertising features also available to its investors. More on that can be read in my interview with the admin of ADSolid Timoleon (published here). And the latest important news from the project is below:

News. March 15, 2013 7:45 PM
In response to numerous requests from investors who do not have the opportunity to invest for the long term plans, we have decided to open a new investment plan “Platinum” – 0.8% daily for 5 calendar days. Deposit is back. We also excluded the “Diamond” plan, because it is not popular, but all payments for the plan will be made according to the regulations. In the “Platinum” plan, one-level affiliate program is offering 1% bonus. Also in this plan is available premature withdrawal of initial deposit with a fee of 50%.


Congratulations to SureInv (reviewed here) on achieving the #1 spot on Premium listing on MNO, though it did take the collapse of ProfitableSunrise to get there. After four months online SureInv is still going well and paying promptly to LibertyReserve, PerfectMoney, SolidTrustPay, PexPay, and EgoPay on plans that include 5% for 30 business days, 4% for 45 business days, 3.5% for 60 business days. Until recently the withdrawal requests submitted over the weekend were only processed on Monday (as the program only processed payouts on business days). However, starting tomorrow payouts will now be processed on Saturdays too which is really welcome news. All in all, everything is looking good and SureInv is gradually increasing its presence in the HYIP world. Of course we shouldn’t underestimate the role of the social media networks in our every day lives now, and the admin fully realizes that by reminding the 5,000 clients of the necessity to be more active there. Also, the search for regional representatives has started and if you’re interested in becoming one, you should check out the latest newsletter from SureInv for the requirements for candidates in these roles:

News 15. March 2013
Hello all
Today its four months, since we started SureInv and we still go to great lengths to improve our services:
1. Regional Representative Program
As indicated before, its time to launch our ‘Regional Representative Program’. With almost 5,000 clients we feel the need to offer our clients from around the world a personal point of contact within their region.
SureInv‘ regional reps will play an instrumental role in the success of our organization. We seek regional reps for mutually beneficial long-term cooperation, that are committed about our investment offerings and are willing to serve motivated and enthusiastically. Our regional reps need to be compassionate and patient with prospective clients from their region and willing to share his or her own experience with SureInv, as well as assisting prospective and existing clients if support is needed. They also should work as a liaison between their referrals and SureInv‘ management and maintain frequent contact with the SureInv administration.
If you are interested to enroll, please contact me personally via email ( for more information.
A Regional Representative page will be added to our website at the beginning of the coming week.
2. Withdrawal requests processed on Saturdays
During the last couple of weeks we have received many requests from clients, wondering if we could process withdrawal requests on Saturdays as well, since some are receiving their Friday interest payments after our business hours. To give all our clients the possibility to receive their cashout requests without delay, we have decided to process withdrawal requests on Saturdays as well, starting from tomorrow. Saturdays cashout requests will be processed once any time after 12:00 (noon) GMT. In order to receive your cashout on Saturday, please make sure to request it before 12:00 GMT.
3. Social media and other resources
Our Facebook page is slowly becoming more active and we are around daily to support our clients. If you have a Facebook account, please pass by and say ‘Hello’ to our growing group of Facebook fans.
We are glad to announce that we are currently the Number 1 program in the Premium list of the well known MNO monitor and blog.
The administration of HYIP-News, added SureInv to their administrations Top 5 choices in their recent HYIP Informational Survey.
We say a big thank you to everyone who got involved, we couldn’t do it without your support.
Enjoy your weekend and all the best, TJ


Another weekly newsletter from the admin of SwissInvestFund (the program is yet to be reviewed on MNO) dealt with a lot of issues. For instance, the admin explained why compounding is only available for two of the three investment plans. He also updated investors of the developments in local representatives program recently launched in SwissInvestFund and said only active investors with at least a $50 deposit need apply. The investment plans were also broken down with the Basic and Advanced plan paying 1.6% and 2% for the duration of 90 days and principal return on expiry being more popular than the Premium plan paying 4.8% for 30 days with no principal back and only available for higher paying investors. The admin also praised the popularity of the newly added SolidTrustPay that became available for investors only after a few weeks online joining EgoPay, PexPay, LibertyReserve, and PerfectMoney. As you know, this week the admin of SwissInvestFund also drastically improved its presence on MNO by upgrading from Basic listing straight to Sticky/ Premium, so expect a full review by the end of the week. The latest newsletter containing all the latest news from SwissInvestFund can be read below:

Weekly newsletter #3
So, working week is over here in Switzerland and we need to give some feedback to you about this week and what is going on to happen in future.
We started this week with some significant improvements in our online investment platform and we wasn’t wrong about including them. First thing was investment possible with compounding option. Currently almost every second or third investment is made with at least some compound rate. Users really like this feature and we receive really nice feedback about it. There is still lot of people who still ask about compounding to “PREMIUM” plan, but lets face the reality – it would not be possible to keep investment program alive if we would add such possibility to “PREMIUM” plan and almost everyone understand that.
We already have first members who applied for local representative position and we will start to publish list of them in start of the next week. Of course amount of them would be higher, but since we set limit of 50$ for an active investment it limits only active members to apply, but real truth is – active members are those ones who really know how to work and they do best in field.
Solid Trust Pay was right choice to add and people are really using it a lot in these days. Of course maybe it was our mistake not to add it from the start, but it is better later then never. We are actually quite positively shocked about of amount of people who uses Solid Trust Pay as investment tool.
We must point out that it was really nice to get good feedback from people about these features and and this makes us even more better and stronger then ever before.
Like previous week we had nice and significant increase of both users and deposits in our investment platform, if previous weeks most favorite plans where “BASIC” and “ADVANCED” then this week we can see that more and more popular gets and really big part of people invest in “PREMIUM” plan what was actually expected by our market analysts before. And that just shows that there is lot of place where to move forward.
This week we want to put some light on one youtube user who has made review about us, it was made before our this week update, so “INVEST” page is outdated, but anyway it nicely covers our investment platform and highlight nice features over here:
So, hope everyone had really successful week like we had and we wish anyone pleasant weekend and amazingly successful next week.
Regards, SwissInvestFund team


ChessInvestment is also yet to be reviewed on MNO, but the admin is very active already and he’s issuing another newsletter for the second day in a row. It outlines some of the program’s main features and gives links to the program’s own Youtube channel, as well as their Facebook page to leave the comments about your experience with them. ChessInvestment accepts SolidTrustPay, LibertyReserve, PerfectMoney, and EgoPay and pays on three investment plans – 5% for 30 days, 7% for 20 days, 10% for 13 days. I’ll discuss those in more detail soon, so stay tuned for that:

ChessInvestment – Every Move Puts You in Profit
Worldwide March 15th, 2013 – ChessInvestment, a revolutionary investment program that provides top of the notch earning opportunity to the entire internet community.
ChessInvestment we offer highly competitive returns, which allow members to earn returns within 10days – 30days with as little investment as 10USD. Our customer support services are available 24/7, providing solutions to every question regarding, joining, investing, withdrawing e.t.c
Withdrawal request for the day has been processed. We have new video on our youtube chanel please try to watch our presentation videos and explanatory videos.
ChessInvestment – Every Move Puts You in Profit
You Have Dreams and Moves to Achieve them


I’m very delighted to inform you that the MNO FeedBurner managed news delivery service for my subscribers seems to have resumed so every subscriber should again receive daily e-mail updates again. Since last December there was a technical compliance issue between FeedBurner (owned by Google and managing the MNO subscriber list) and a number of e-mail providers, mostly Yahoo but a couple of other lesser known providers as well. This was outside my control, though yesterday I noticed the problem vanished just as suddenly as it appeared. If you are not a subscriber yet, please take this opportunity to sign up for fresh news to your email every day, just hours after it’s posted on MNO blog. You don’t need to visit my site at all, (if you don’t want to or simply don’t have time), but can still get the latest updates on your favourite programs and timely scam warnings and alerts as well. To do so simply enter your email address in the subscription box you can find near the top right hand side of my blog and confirm it by clicking on the link then sent to you by FeedBurner. And that’s all! Thanks again to all of my 3,300+ subscribers for reading MNO and I will do my best to keep you up to date and informed at all times!


Barely after finishing its first investment cycle BlueFxStorm stopped the payouts and everyone who joined the program too late finished at a loss. Allegedly, the admin suffered a loss himself as claimed in farewell newsletter to me, but I find it hard to believe an admin would finish the program by paying from his own pocket. It’s quite clear to me that the admin of BlueFxStorm is inexperienced and despite a lot of promises the result was a very average lifespan which most of us would call a failure. Anyway, please be aware that BlueFxStorm has stopped paying but still accepts deposits, so do not invest a penny in this scam. The admin also cowardly removed the rating page from his website so no one would know the truth and continues to steal from you. Fortunately, you have MNO monitor that will not tolerate such behaviour and will always react fast to any attempts to scam.


The newest addition to my Premium listing today is a program called NorthlandOpps. The program accepts five payment processors from a $5 minimum – SolidTrustPay, EgoPay, LibertyReserve, PerfectMoney, and the less popular HDMoney. Depending on the deposited amount you have an opportunity to be paid from 2% to 2.5% daily with no expiry date set and no principal withdrawal allowed at any point. So, once reaching the break-even point you will be simply collecting profits from NorthlandOpps without a need to worry for your money as then you will get a pure profit. The program is using a custom script, and you will see it yourself after registering – all you have to do is to make a deposit and the earnings will start on the following day. Unfortunately there’s no SSL encryption available on the site and NorthlandOpps is hosted only on a shared server with several different websites and using BlackLotus’ services for that. More on the program will be discussed in my full review next week.


Here is the list of the programs from my monitor that paid me for the last 24 hours:
From MNO Sticky list: MajestiCrown, SphereINV,  OilOfAsia, ProForexUnionAirCargoXpressEliteBank,  GSAOnlineInvestments, MoneyBox, SwissInvestFund.
From MNO Premium list: SureInv, TureProfit, AXAIndustries, 4FXInvestment, TrackInvestStravia, Nubcoyu, RewardsWeekly, Black&WhiteFund, MyFxCapital, ADSolid, InvestiField, MalaysianINC, EliteCapitalClub,  WorldGemsInvest, HytexAG, MasterEarn, ZenithPay, EmpireFinanceGroup, RFIGroup, ChessInvestment.
From MNO Standard list: AustralianBusinessGroup, SwiftMoney, AxiomInvestingGroup, PureIncome.
From MNO Basic list: VenturInvestInvestmentCapital, MainaLimited, Finance7, Money&Credit, Fxen, ZenithUnion, TheInvestmentBank, PrimeLookUp, SuperWithdraw, ForexShare, DiamondProgress (the first payment received), ForboEstate (the first payment received).

That’s all the news for today. I hope you enjoyed reading and tomorrow I’ll have a detailed review of EliteCapitalClub plus the regular daily news from the industry and your favourite programs listed on MNO. So stay tuned for that and have a nice weekend, everyone!

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