Mar 23rd, 2014 Archives

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

Hi everybody! To finish up the weekend I’m pleased to say there’s been a brand new addition to the MNO monitor’s Premium List which you might remember I introduced last night called GramStock, so I want to discuss it in a bit more detail for you tonight. Most likely I’ll take tomorrow off (unless there’s something really big worth reporting) but as this will also be the first post of the new business week I think it’s a good place to begin. I must say GramStock have gotten off to quite a lively start and already seem to be gathering quite a lot of members, considering how recently they opened that is. By itself I suppose GramStock is an attractive enough program, profitable but sustainable and with a lot of promise, though I would think a partial explanation as to why it might be popular so early on is the lack of competition in their particular niche. GramStock‘s investment plan is sort of on the shorter side of medium term, and for investor’s who like that sort of thing there isn’t really a massive choice out there at the moment. Well, I mean I know there’s lots of short to medium term programs, but I’m talking and good ones here. So let’s see what GramStock is all about and whether you think it’s worth adding to your portfolio or not.

Starting then as ever with the investment plans, there’s basically just one of them in practice, though the admin has separated that into three different sections based on how much you would care to gamble with. And of course typical for the HYIP industry the bait is the promise of higher interest payments to attract bigger spending investors. All you really need to join GramStock in the first place however is a $20 minimum to deposit. This gets you into what’s called The G-Basic Plan, which with a maximum cap of $2,700 on it will probably be the only one of any real interest to most of you. The term runs for 15 business days which is three weeks, during which GramStock offer you 8% interest per day, Monday to Friday only. That adds up to 120% in total. As GramStock are including your principal as part of that and won’t be returning it as an individual payment it leaves you with your own money back plus 20% net profit.

So let’s say you joined GramStock then with a $100 investment. They would pay you back $8 per day from Monday to Friday allowing you to recoup your initial deposit (break even) with the 13th payment and complete the term with $120 in total.

Larger investors then can continue with The G-Premium Plan which accepts deposits between $2,701 and $4,000. It’s more or less the same thing again, except that this time GramStock‘s offer is 8.2% interest per business day. The term remains 15 business days, allowing you to finish with 123% in total, principal included, or 23% net profit.

Or if you’d really like to push your luck The G-Plus Plan has a daily rate of 8.6% for 15 business days. Trouble is it will set you back a minimum deposit of $4,001 to see if it’s any good or not. Payments include your principal, so again GramStock won’t be returning it separately. Payments add up to 129%, out of which then 29% is your profit. Maximum spend is the unusual figure of $10,900 but given that most of you won’t be going that far it hardly matters.

There is a sort of “phantom fourth plan” listed alongside these three incidentally, but just in case you think I’ve forgotten it I can tell you it isn’t actually functional at this point. In fact there’s no information available as to what it’s all about and when if ever it’s going to be open, so you may as well just ignore it until further notice. It may or may not be something the admin has lined up for later, but we’ll find that out only when it happens.

I should just make a brief comment to existing GramStock investors who may be confused by my description of the plans as paying on business days only, especially since you will have received two additional payments over this past weekend (one each for Saturday and Sunday respectively). The admin assures me this was accidental and cause by a bug in the script. If you received a payment in error this weekend then congratulations, the admin suggests you keep it as a gift, but the anomaly will not be repeated next week.

In terms of payment options, you might get the impression from your first look at GramStock that these are better than they actually are. While the admin assures me this is going to be improved on very soon (by the end of the week I think he said) for review purposes obviously I can only describe the program as I find it today. At the time of writing you can use either PerfectMoney or EgoPay to join. SolidTrustPay, BitCoin, and OkPay are also mentioned but not currently available. Indeed the OKPay account is open but not verified so you can’t use it. BitCoin of course requires no such verification so there’s no reason for that to be a problem, but to be honest I wouldn’t be holding my breath in anticipation of STP being added any time soon. Or ever. For the time being GramStock are making instant payouts to members. You simply need to log in to your private members account area and place a request. Once you’ve done this you should expect to see your payment completed in under a minute, however there is one very important point you need to remember – instant payouts are in no way offered, guaranteed, or for that matter even mentioned on the GramStock website. You are in fact told that you need to allow anything from 12 to 48 hours for your payment to be completed, so as long as you get paid instantly just take it as a bonus but don’t be surprised if it stops at some point. Also remember that interest should only be credited from Monday to Friday. There’s nothing to stop you from making a withdrawal request over the weekend if you weren’t able to do it earlier, but there won’t be any new money earned.

Moving on to the more technical, design, and security side of things then, GramStock is running off a licensed H-Script, though this has been heavily modified. Assuming you would have recognized it in the first place that is, you may not be able to do so anymore, but that’s what it is. There’s a handy calculator included so you can work out your potential earnings based on whatever amount you are thinking of spending, though considering the plan descriptions already tell you what the final profit will be I don’t know how useful a tool this really is for you. Another feature is what they call the “Gram School” which is in fact the news section though also contains some promotional material for those of you any good at building a downline. Hosting is on a dedicated server by Koddos, and the website has an extra layer of protection with SSL encryption by Comodo for safer browsing and more secure transactions. Inside your members area you can also play around with the security settings, for instance blocking access to your account from anything other than your own IP address (though remember to be extremely careful there, as there are many perfectly valid reasons for your IP to change, especially though not exclusively if you are using mobile devices).

For any further questions you might wish to put to the admin or any account related issues you need to get fixed you can get in touch by filling in your details on the online support for and submitting it. Alternatively you can try their phone number during the working hours that are listed (though the admin neglected to mention a time zone) or else check if their Live Chat feature is working before you do anything. In the pipeline as well I think is a network of regional representatives, though there aren’t any listed as of yet. Keep an eye on their website if this is something of interest to you, or indeed feel free to apply if you know how it works and want to give it a shot yourself. GramStock are also keeping profiles on the main social media sites like Twitter and Facebook. As the program is still brand new there hasn’t been a great deal of activity on either of these just yet, but they are there if you want to see them. And lastly you will also be able to read through the GramStock website in four languages other than English. These include Russian, Spanish, Hindi, and Chinese. I can only vouch for the Russian version here, but as I can confirm it’s a professionally written translation and not just online automated version then I would assume the others are too. Spanish, Indian, or Chinese readers feel free to correct me if I’m wrong, but I do think it’s a positive sign for an admin to put that kind of time and effort and expense into making his program as accessible as possible to the biggest audience he can reach.

As for the alleged business interests behind the program, experienced investors know well to treat GramStock like any other online HYIP but for the record they say they are making money in trading stocks and ForEx. Nothing new about that and certainly nothing you can check up on and verify for yourself, though they do offer some incorporation documents from the UK (which are easily, cheaply, and perfectly legally obtainable online). So if you’re already an experienced investor you know what comes next, but for the continuing benefit of those who aren’t – remember to use your common sense. It’s not difficult to enjoy yourself in the HYIP industry as long as you don’t get upset over occasional losses. To stop that being such a big deal you should always set a sensible spending limit that you can easily afford to go without, and if joining GramStock at all then try to keep them as a smaller part of a wider more diverse portfolio.



I was wondering if the admin of Minimalism10 has nothing else to say to maintain interest in his program, as today I received quite a strange email from him containing just quotes by twenty famous people. There is nothing wrong with the email itself as I enjoyed reading it, though I really struggled to understand how it has anything to do with the program. However I did notice when I reviewed it earlier (click here to read the review) that the admin of Minimalism10 is a great fan of quoting others and even worked it into the unique script his program runs off. All the investment plans offered by Minimalism10 are quite unique like the script and can be divided into two main categories – Circle plans are available with a fixed amount and offer from 12% to 13% return for a period of 10 calendar days while Regular plans offer between 8.1% and 8.4% interest for a slightly longer period of 15 calendar days. All plans however include your initial deposit in the returns, allowing you a potential 20% to 30% pure profit. Minimalism10 accepts three payment methods – PerfectMoney, EgoPay, and BitCoin for a $10 minimum – while allowing investors to deposit via one payment processor and withdraw to another – a rare feature you won’t find in many other programs. If you’re interested in the latest newsletter please read below, otherwise, simply check out the Minimalism10 website as it might not be a program you’re used to seeing in the HYIP industry:

1. “If you don’t build your dream, someone else will hire you to help them build theirs.”
Dhirubhai Ambani
2. “The first step toward success is taken when you refuse to be a captive of the environment in which you first find yourself.”
Mark Caine
3. “People who succeed have momentum. The more they succeed, the more they want to succeed, and the more they find a way to succeed. Similarly, when someone is failing, the tendency is to get on a downward spiral that can even become a self-fulfilling prophecy.”
Tony Robbins
4. “When I dare to be powerful – to use my strength in the service of my vision, then it becomes less and less important whether I am afraid.”
Audre Lorde
5. “Whenever you find yourself on the side of the majority, it is time to pause and reflect.”
Mark Twain
6. “Great minds discuss ideas; average minds discuss events; small minds discuss people.”
Eleanor Roosevelt
7. “I have not failed. I’ve just found 10,000 ways that won’t work.”
Thomas A. Edison
8. “If you don’t value your time, neither will others. Stop giving away your time and talents. Value what you know & start charging for it.”
Kim Garst
9. “A successful man is one who can lay a firm foundation with the bricks others have thrown at him.”
David Brinkley
10. “Here’s to the crazy ones. The misfit s. The rebels. The troublemakers. The round pegs in the square holes. The ones who see things differently. They’re not fond of rules. And they have no respect for the status quo. You can quote them, disagree with them, glorify or vilify them. About the only thing you can’t do is ignore them. Because they change things. They push the human race forward. And while some may see them as the crazy ones, we see genius. Because the people who are crazy enough to think they can change the world, are the ones who do.”
Steve Jobs
11. “No one can make you feel inferior without your consent.”
Eleanor Roosevelt
12. “Let him who would enjoy a good future waste none of his present.”
Roger Babson
13. “Live as if you were to die tomorrow. Learn as if you were to live forever.”
Mahatma Gandhi
14. “Twenty years from now you will be more disappointed by the things that you didn’t do than by the ones you did do.”
Mark Twain
15. “The difference between a successful person and others is not a lack of strength, not a lack of knowledge, but rather a lack of will.”
Vince Lombardi
16. “Success is about creating benefit for all and enjoying the process. If you focus on this & adopt this definition, success is yours.”
Kelly Kim
17. “I used to want the words ‘She tried’ on my tombstone. Now I want ‘She did it.’”
Katherine Dunham
18. “Really it comes down to your philosophy. Do you want to play it safe and be good or do you want to take a chance and be great?”
Jimmy J
19. “It is our choices, that show what we truly are, far more th an our abilities.”
J. K Rowling
20. “You have to learn the rules of the game. And then you have to play better than anyone else.”
Albert Einstein”


I would like to announce the end of the current poll and thank those readers who voted on the MNO TalkBack page for the last few days. Let’s analyze the results right away and then. The question asked was – How do you feel about instant payouts? I guess it was important for me to know as programs offering instantly processed payouts usually attract more attention from readers than any others. Looking at the final results now I realize that MNO readers do love instant payouts in HYIPs and 43.8% of voters consider them a vital part of any program they join. That’s a significant number and I believe most HYIP admins should really consider adding it to boost their ratings. An even higher number of 46.9% do not see instant payouts as an essential feature for a successful program, but certainly welcome it with open arms if it’s offered. Only 9.4% of voters see instant payouts as an unnecessary risk, possibly being aware of the security flaws and their impact on the lifespan, as we all heard stories about alleged hacking incidents that led to the premature collapse of some big HYIPs in the past. Anyway, if an admin is experienced I believe he can offer instant payouts without any problems, and most of the hacking stories are no more than excuses aimed mostly at promoters who may suspect what other programs the admin might be running. Anyway, it was good to see readers opinions on this, and I hope that the HYIP admins reading will draw the right conclusion and provide a fast payment service in order to get a better exposure.

For the next week’s poll I would like to ask your opinion of the seasonal impact on the amount of scams and general activity in the HYIP industry. It was always believed that the HYIP industry goes in cycles and was hugely affected by the time of year. I remember even doing an article about the so called Black December with lots of fast scams around and then in the summer holiday season which always saw a huge decline in general industry activity. I believe everything has changed though since the closure of LibertyReserve last year, but whose impact on the industry even now cannot be under estimated. This event turned everything upside down, and what was always a successful month like March is now hugely unpredictable. So I assume this seasonal pattern does not apply to HYIP industry any longer, or does it? In order to find it out what others think I’ve decided to start a new poll the results of which are going to be announced next weekend.

So, if you have a spare minute please vote on the MNO TalkBack page on this question – Do you still think seasonal factors apply to the HYIP industry anymore?

The possible answers will be:
1) It was always like that and still is.
2) I don’t believe in seasonal factors.
3) It used to be but not anymore.

As usual, thanks a lot for voting and I always appreciate readers voicing their opinions on the MNO TalkBack page.


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: DublinCryptoriumLimited, RoyalFinanceGroup, RockwellPartners, Eblone, ForexStructure, GramStock.
From MNO Standard list:  –
From MNO Basic list: InvestmentCapital, MichaelKazakov.

That’s all for tonight, guys. I know it’s not much to report but then it is Sunday. But everything’s OK as all the programs on my monitor keep their Paying status and nothing has closed. Please always check out my monitoring page in order to get the most accurate status of a program before investing there and keep voting for your favorite projects if you get paid. I will possibly take tomorrow off from posting (as I did it over the weekend more than I originally expected) and will see you all on Tuesday. I might change my plans and if there’s something important to make you aware of. In order not to miss anything please subscribe to MNO daily news or follow me on Facebook or Twitter. Thanks for reading and see you all soon!


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