09/08/2013. After90Days Review and Daily News from the Industry

Beware! After90Days has stopped paying! Do not invest there!

Hi everybody! As it’s Friday again I hope you’re all looking forward to the weekend, and if the past week is anything to go by then it will probably be quiet enough in the HYIP industry for news stories. Despite the lack of updates from existing programs however there’s still an encouraging number of new programs joining my monitor so activity is generally on the up. So I want to finish the business week today with a look at a program called After90Days. They offer investment plans of various lengths, mostly medium to long term, and payouts that vary from realistic figures made on a daily basis to more unlikely amounts being offered only on expiry. I’ll describe them in full for you in more detail below as well as the other main features to After90Days, and we’ll see if you think it might be worth taking a chance on yourself.

But the first thing we really have to look at in any review of After90Days is the program’s alleged age. I say “alleged” because these things are a bit easier to manipulate than many people would imagine. In the case of After90Days the program has been officially online since June of last year, making it 14 months old by now. That much may be true, but it can also be the case that certain HYIPs (and this is quite common) are deliberately buried, servicing minimal payments to monitors only and not really promoting themselves to real paying investors until they establish a lengthy history that they can then use when the admin is finally ready to run the program properly. So while yes, it may be true that After90Days has been “paying” for over a year, you’ll do well to find any genuine investors who’ve been there that long. It’s entirely up to you of course what you make of all that and whether you think it’s a good or bad thing. I’m simply going to describe the investment plans for you and you can do as you wish with the information and make of it what you like.

After90Days start with a daily payments plan that runs for 90 calendar days, and makes interest payments based on how much you invest. It’s going to cost you a minimum of $25 to become a member, more that the majority of HYIPs and while not exactly a fortune still enough to put off some of the smaller players. But if it’s OK for you, then a deposit of anything up to a maximum value of $1,000 gets you a payment of 2.6% per calendar day. That eventually comes to 234% in total interest payments, and then becomes your net profit once After90Days return your initial principal on expiry as promised. For more serious gamblers out there the interest rate rises to 2.8% per calendar days for amounts between $1,001 and $3,000 giving you 252% in interest payments before your principal is added to that, and 3% per calendar day (270% interest) on anything bigger than that to a top value of $30,000.

This is followed by a series of plans that make just one single payment to investors on expiry. In an unusual twist however After90Days make their most profitable and highest risk plan the cheapest one to join. It runs for 90 calendar days, will set you back $50 to take part, and offers you an unlikely 900% interest payment on completion of the term. Do you really want to wait for the next three months just to satisfy your curiosity about whether the After90Days admin can successfully do this or not? That’s up to you I guess, but I’ll just add that in addition to the interest payment the admin also offers to then add your original deposit on top of that again (which might make it sound better to newbies but more experienced players might be more concerned about where all this money is supposed to come from). Maximum deposit here is $10,000.

A slightly shorter wait come in the second on expiry plan, running for 60 calendar days and offering 600% interest on amounts from a $5,000 minimum up to $12,500. On top of the interest payment After90Days are also offering to return your principal as well, again making an already unfeasible offer even more unlikely to be delivered.

Next, for a term of 30 calendar days, After90Days offer a single payment on expiry of 300% on deposits between a $10,000 minimum and a $15,000 maximum. Principal is also offered to be returned.

The next series of plans are probably no more obtainable to the average investor than a lot of the previous ones described, due largely (well, entirely) to their prohibitive cost. They are called The VIP plans and see After90Days return to daily interest rates. They work out as follows:
Spend from a $1,000 minimum up to $20,000 and you are offered 10% interest per calendar day for a 90 day term.
Amounts from $2,500 to $25,000 can be deposited for a 60 day term, and also offered 10% per calendar day.
Then, for amounts between $7,000 and $30,000 After90Days have a 30 calendar day term that offers members another 10% daily interest payment.
After90Days also offer to return the investors principal on expiry of all of those options.

As you can clearly see some of the plans are more of a risk than others, maybe even requiring nerves of steel to wait for some of the payments and so are probably going to be avoided by many investors. But then again some of the other plans are giving more tangible results that you can see growing in front of you every day which you can withdraw and spend, so that should appeal to many. What’s most appealing though is probably After90Days payment schedule which sets the program apart from a lot of the competition. For a start all the main industry payment processors are available, including SolidTrustPay, EgoPay, and PerfectMoney. That’s pretty much the minimum you should expect from any new program these days and so doesn’t really make it anything special you might think, and by itself you’re right, it doesn’t. But the thing you might appreciate a bit more is that After90Days makes instant payments on withdrawal requests. You will still need to log into your private After90Days members account area and make the request, and once done should be able to see the money in your payment processor account in under a minute.

Looking at the design and security features of After90Days, it’s going to have a familiar appearance to most of the regular industry players as it’s running off a script under license from GoldCoders. It might not jump out at you immediately as there’s been a couple of cosmetic changes from the usual template, the FAQ section isn’t the usual copy/paste job still talking about LibertyReserve for instance, but otherwise most of you will still know it as GoldCoders. After90Days is hosted on a dedicated server from BlackLotus and using DDoS-Guard protection. For an extra layer of protection, safer browsing, and more secure transactions the After90Days website is fully SSL-secured in both public and private areas by GeoTrust.

For any further questions you think weren’t explained here or if you have any account related issues you need to have dealt with by the admin then there’s a number of ways to get in touch with the program’s support network through a number of methods. As usual there’s a fast form you can fill out and submit through the contacts page. In addition to that if you just prefer to write to them directly then After90Days have a list of e-mail addresses you can use, each one dedicated to a specific subject. For a more personal approach you can try their telephone and fax numbers (though o really can’t say when or if anyone will ever answer) or the programs Live Chat support which is bi-lingual (English as well as Russian). After90Days are another online HYIP who have decided to engage the services of regular members as part of a regional representative program. You’ll find a list of members from various corners of the globe who, in return for improved referral commission payments, act as customer service agents for the program. I can’t say exactly what kind of practical help these guys can offer in the event of let’s say you not getting paid, but if it’s easier to find someone who lives in the same country as you and speaks the same language, the it might make understanding the whole thing a bit easier for you.

Texts and website content about any kind of a business plan are typical for the HYIP industry, containing little more than vague references to real estate deals that no one can substantiate. In reality there simply are no real businesses, property related or otherwise, generating that kind of money. So remember to treat After90Days as you would any other high risk venture, keep in mind that the entire HYIP industry is basically a form of high risk gambling, and only ever play with money you can comfortably afford to lose. And of course if you do decide to go ahead with joining After90Days then try and keep them as a smaller part of a wider more diverse portfolio.

DAILY NEWS FROM THE INDUSTRY

INSTABANK – NEW CALCULATOR AND MNO BANNER EXTENSION

InstaBank keeps going from strength to strength with a flawless instant payments record and growing interest from readers which makes the program one of the fastest growing projects listed on MNO. Having occupied a well-deserved spot in the Top 5 most popular programs on my monitor only after being monitored for 12 days, InstaBank has been paying members for over five weeks in total. The program processes instant withdrawals to SolidTrustPay, EgoPay, and PerfectMoney accounts which appear in your account within seconds provided they are under $500. An abundance of different investment plans on offer include 105%-130% after 1 day, 116%-220% after 3 days, 136.5%-600% after 7 days, 176%-950% after 14 days, 360%-2100% after 30 days. If you read my review of InstaBank published here, you know that payments are made on expiry of all plans. There are no regular daily payments (unless you invested into the 1-day plan in which case you are credited exactly after 24 hours after making your deposit), but apparently not all investors are aware of this. Moreover, the returns received by InstaBank are different from the ones advertised on the program’s main page where only the maximums are highlighted, and the interest actually depends on the amount of money invested which can be as low as $10. More info on that can be found in the member’s area, so you have to sign up in order to see the actual returns provided to members. This was one of the topics in the latest newsletter from InstaBank published tonight on the specially dedicated site InstaNews and also sent to hundreds of the program’s investors.

As for the second news story, the admin of InstaBank Brandon reported some minor improvements on the website to help those who don’t want to sign up before seeing first the rates available to all deposits and see exactly what they get at the end of the term. For that purpose a calculator was introduced which can be found on the right sidebar on each page of the InstaBank website. The calculator is very easy to use and will certainly help those sitting on the fence to realize the full potential the program. More information on InstaBank‘s investment plans can be found in my detailed review published here. By the way, I would like to report that today Brandon extended his banners on both MNO blog and monitor for yet another month proving again that his aim is to run InstaBank and pay members for at least another few weeks. Whether he’ll be able to achieve it will be seen over the month, but the intentions clearly speak for themselves at the moment. For the full update on the latest news from InstaBank please read the entire newsletter published below:

“InstaBank: Reminder About FAQ & Calculator
Just a quick reminder from InstaBank. We are receiving hundreds of emails with questions which has already been answered on our FAQ page. We recommend all our clients to get familiar with its content: https://www.instabank.biz/?a=faq
Now I would like to clarify two important things:
1) Our stated returns on the website (130% after 1 day, 220% after 3 days, etc) is the actual return we pay on your investment. Principal is NOT returned separately. These percentages mentioned in our plan titles are maximums what you can get (depending on the investment amount). Please visit our deposit page (in members area) and scroll down to view a complete list of percentages for corresponding investment amounts.
2) To make this all easier, we have implemented the calculator at our website, which is available in both public and members area. Just type in your desired investment amount, chose your deposit plan and you will get the assigned percentage, total return and net profit from this investment. It’s simple as that – try it now!
Note: if you have a missing (not added) deposit, please send the payment information (batch number) and plan you selected to deposits@instabank.biz
We will credit the interest accordingly for the missed days. Have a great weekend ahead!
All official news and announcements can be found here: http://instanews.biz/
Best Regards, Brandon Hayden
InstaBank.”

SOLIDTRUSTPAY – TEMPORARY ACCOUNT RESTRICTIONS CORRECTED AND MORE DEPOSIT OPTIONS FOR CANADIAN MEMBERS

No other news from MNO monitored programs for now, guys, but I have something from SolidTrustPay that, along with PerfectMoney, remains widely popular and currently shares the top spot of the most popular payment systems in the HYIP industry according to the latest poll on the MNO TalkBack page (please click here to vote too!). As you might know, SolidTrustPay is located in Canada and is possibly the only payment processor serving HYIP investors that has an actual office, and not just exist in virtual reality. I guess that’s one of the many reasons why so many investors prefer to deal with STP, especially taking into consideration what recently happened to LibertyReserve. I’m sure that’s not going to happen with legitimate and licensed companies like SolidTrustPay which abide by the laws and regulations imposed by relevant financial authorities.

SolidTrustPay is already well known for its multiple deposit and withdrawal options which can be done via different banking institutions, and today on the official blog SolidTrustNews the administration reported improved funding methods for Canadian members which will allow them to fund their SolidTrustPay accounts more easily from their bank accounts. This can be done via a well-known payment system DebitPay and you can read more about that in the re-posted newsletter below:

“INTERAC ® Online Now Available at SolidTrust Pay!
SolidTrust Pay is happy to introduce a new payment option available to Canadian members through DebitWay!
DebitWay, widely accepted as a leader in Debit Card payment options, provides the direct debit INTERAC® Online gateway which we are excited to bring to our Canadian members. INTERAC® Online will allow Canadian members to fund their SolidTrust Pay balances with their bank accounts in an instant debit, similar to the Credit Card payments or other instant options currently available on the site.
EFT transfers will continue to be offered to Bank Verified Canadian members, but we are delighted to expand payment options for Canadian members to include this new instant debit option which is already live and available to Canadian members who bank with RBC, BMO, TD, and ScotiaBank! INTERAC® Online deposits, available at all verification levels for a fee of 3.9% + $1 per transaction, can be made in CAD via the Bank Options link on the Deposit $$ menu.
Keep an eye on solidtrustnews.com for other exciting upcoming announcements!”

However, more relevant information came from SolidTrustPay’s official blog tonight was in regards to some technical issues that recently affected a few accounts in the system and caused some restrictions that have since been corrected and lifted within the last few hours. I was personally unaware of such issues, as no one from my readers or even HYIP admins reported it happening to them in the last 24 hours, but if you were among those affected by this issue please check your STP accounts now. Most likely they have been unrestricted already and can be used fully as before. However if that didn’t happen to your account yet you can promptly contact the STP support team for any assistance. According to the message on the official blog such restrictions were purely technical in nature and caused by a security update. More on that is explained below:

“Temporary Account Restrictions Corrected
Hello, STPay members!
As some of you have experienced, a small number of accounts have unexpectedly been restricted over the past 24 hours. These restrictions were caused by an update which was implemented to improve overall account security. We have, however, identified an error in this update which resulted in additional restrictions for many members. The update has now been modified to allow normal account access and limits.
If you had experienced difficulty accessing your account within the past 24 hours, please attempt to login again as any accounts incorrectly restricted will now be accessible. If you continue to have difficulty accessing your account, please contact STPay Customer Support.
We apologize for the inconvenience and look forward to serving you!”

GET PAID REPORT FOR 09/08/2013

Here is the list of the programs from my monitor that paid me for the last 24 hours:
From MNO Sticky list: –
From MNO Premium list: MalaysianINC, PureIncome, EmpireFinanceGroup, RFIGroup, InstaBank, CatenaFinance, AlliexFinancial, ArgoMoney, SolomonHit, Stanford&Goldstein, LocomotiveTrade, After90Days.
From MNO Standard list:  –
From MNO Basic list: InvestmentCapital, OneDollarInvest, GetInstantWithdraw, TheInvestmentBank, ForexShare, StrongInvestment, GirlsProfit (the first instant payments received).

That’s all for tonight guys. I’m taking the day off tomorrow so unless something big happens I’ll be here again only on Sunday. Stay tuned for more news from the HYIP industry and have a nice weekend!