Sep 23rd, 2015 Archives

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Beware! Profit4You has stopped paying! Do not invest there!

Hello all! Plenty of news stories to catch up on today so keep reading for all the latest information on your favorite online investment programs. As is so often the way in the HYIP industry it’s not all good news, but I’m glad there’s some positives as well. For one thing we have a brand new program on the MNO Premium List which only started earlier in the week called Profit4You which you might remember was already introduced here in an earlier post. There’s been quite a positive first reaction to the program from a lot of readers I must say, so hopefully things will work out and it can be a positive earning experience for you if you’re prepared to take a chance on them. So let’s see what Profit4You have to offer and whether you think it could be a worthwhile addition to your portfolios or not.

I guess we should start things off then with the investment plans, of which Profit4You are offering three. Two of them are long term, while the third is a bit closer to medium term. This is where I believe most of you will want to join, assuming you want to become members of Profit4You in the first place that is, as I think there’s really almost no reason to invest in the others. I’ll explain why in a moment, first let’s take a closer look at the numbers.
I’ll begin with the medium term option, being as I said the most logical choice for readers. It runs for a term of 24 business days (just barely short of five calendar weeks) and Profit4You require a minimum deposit of $25 to join. A bit bigger than the industry average I suppose but hardly enough to bankrupt anyone, so still quite affordable to most players. Alternatively you can spend anything up to a $50,000 maximum if you can afford it, Profit4You are offering the very same rate of interest no matter how big or small your investment. For the plan’s duration Profit4You are offering members a daily interest payment of 6.5% per business day, Monday to Friday, with no payments over the weekend. Your initial deposit is already counted as part of those payments and so will not be returned on expiry. That means by the time you receive your final payment your cumulative earnings should come to 156%, which is made up of your own money back plus 56% net profit for joining the program. Arguably a more important statistic is when exactly do you break even from the program, ie when your earnings add up to a sum equivalent of what you invested in the first place therefore making it impossible to lose anything. This comes after sixteen payments, with everything you receive from Profit4You after that being entirely passive net profit.

This is followed by two longer term options running for 50 business days, or ten calendar weeks. You can still join for a $25 minimum spend, and for anything up to a maximum limit of $50,000 Profit4You are offering a daily interest payment, Monday to Friday only, of 3.3%. The rate is a lot smaller here as you can see, but the enticement is that as you receive a lot more payments the plan is ultimately a lot more profitable. By the terms completion your interest payments should add up to 165% in total, from which Profit4You are already including your initial principal (making the break even point 31 business days). So that’s your own money back, plus 65% net profit.

For bigger spenders looking to invest between a $300 minimum up to a $50,000 maximum Profit4You are offering a rate of 3.6% per day (Monday to Friday), also for 50 business days. Total earnings here should come to 180%, and with the admin already including your principal as part of the payments that makes for a net profit of 80% and a break even point of 28 business days. You may notice that if you are spending $300 or more then the previous 3.3% plan is now completely obsolete, pointless in fact as this option runs for the very same term but with better returns.

On closer inspection then you might also notice a slight, shall we say, discrepancy, between Profit4You‘s two plans. Obviously you’ll notice that one plan, the longer term one, is clearly more profitable. But financially speaking is it worth the extra risk? You see while the investment term is over twice as long, you don’t get anything even close to twice the profit. When you compare what you can earn from joining the 24 day plan for two cycles to your potential earnings from just one cycle of the 50 day plan, well, there’s clearly no contest as to which is the better option and worth taking an informed risk with. So basically my main point here is that if you are looking for a longer term game with Profit4You then it definitely makes a lot more sense to actually go for the shorter term plan, wait for expiry and assess the situation, then think about reinvesting for another cycle. Plus with your principal included with the payouts you also break even a lot faster with the 24 day plan, so that needs to be a consideration as well.

With the plans out of the way then let’s see what payment options Profit4You are dealing with. At the time of writing you can join the program using any of PerfectMoney, Payeer, BitCoin, OkPay, and AdvCash. It’s also been announced that the addition of Skrill is imminent, so if you don’t see it when this review is published you should expect to see it very shortly if it’s a processor you think is worth waiting for. I know it’s not that popular in the HYIP industry, but if you already have a Skrill account anyway for other activities then sure, you should probably keep an eye out for it. Meanwhile with the other payment processors I can tell you that payments to Profit4You members are made instantly, which is always a popular feature. You will simply need to visit your Profit4You members area as usual and place your withdrawal request, and the money should be in your account faster than the time it takes you to log in and confirm receipt.

Looking at the more technical aspects of the Profit4You website now such as their design and security features, overall my own opinion (which is subjective) is that it’s a reasonably well organized and constructed program. No prizes for guessing that the script Profit4You is running off comes from GoldCoders who have it under license. I suppose most regular industry players will recognize it without having to check anyway, so I can only add that it comes with the trademark user friendly and easy to navigate layout you’d expect from most HYIPs using it. As well as that, the Profit4You website comes with a built-in SSL encryption certificate from Comodo for safer browsing and more secure transactions. For hosting the Profit4You website is being kept on a dedicated Staminus server with the support and protection of DDoSCure, a relatively new name serving the HYIP industry but not one that I’ve heard any problems with at this point.

If you still have any outstanding questions for the Profit4You admin that you think were missed in this review or any account related issues you need to have dealt with then there’s a couple of communication channels open to you. Mainly this is going to be via e-mail, where you can either write directly to the address listed on the contacts page, or else just fill in the online support form and submit it (either way most likely ends up in the same inbox anyway). Alternatively you will be able to try the Profit4You Skype chat support if you manage to find an operator there, and fans of social networking sites will see an active profile on Facebook. Something I suggest you ignore (but mention anyway just for information purposes) is the Profit4You postal address in the UK. Generally these are purely cosmetic and for registration purposes only, and not where you will find anyone connected with the program physically located.

As for any alleged business interests supposedly backing up the interest payments to Profit4You investors, well, that much reads something like a shopping list for pretty much 99% of the online HYIPs you’ve ever seen, including ForEx, gold, bonds, and stock trading. No concrete evidence of any of this being genuine is available, needless to say, but as far as the HYIP industry goes it would be a rather pointless waste of your time to go looking for it. And anyway, even if any of this was genuine and Profit4You was a real company there would still be a zero possibility of it guaranteeing the safety of your profits or principal. Remember real traders lose huge amounts of money all the time, so it would be a bit weird to say the least for anyone to start treating anonymous untraceable online HYIPs as being any better, don’t you think? So remember the number one rule of online investing and always do what’s best for yourself first. That means setting a sensible spending limit you can comfortably afford to lose, keeping your expectations modest, and if you do decide to join Profit4You then try to keep them part of a wider more diverse portfolio.



AtrexTrade is a pretty unique program in my mind, guys. Judge for yourself – it’s been running for nearly ten months, while processing instant withdrawals to investors to PerfectMoney, Payeer, and BitCoin but now refusing to release the initial principals to those asking for them. Therefore the admin seems to have broken his own rule allowing the early release of principals which is written on the program’s website and explained in my detailed review of AtrexTrade published here. According to this rule anyone whose deposit has passed the 25-business day mark is entitled to request his initial principal by writing to the admin and subject to the appropriate fee, which is supposed to be completely waived by the end of the 240-business day term. Well, it appears that this is not going to happen, and considering the very small daily returns from AtrexTrade I would really not advise any new deposits in the program at the moment. The situation might change in the future, but AtrexTrade cannot ever be considered a safe bet anymore, unless the principal withdrawal option is active again.

If you were with AtrexTrade since the very start of the program back in December 2014 when it was first featured on MNO you should be in good profits by now anyway and the only thing you can now do is collect more payments before the program eventually finishes. You should be aware about one other important thing though, which is the payout schedule in AtrexTrade. You see, it’s very different from others as they pay Tuesday to Saturday with a 50% to 75% allocated share of the program’s daily trading results (usually posted from Monday to Friday). So, you are getting paid on the day following the business day and it’s worth mentioning that some other extra holidays are excluded from this count. The administration of AtrexTrade informed members in advance what the extra holidays where they do not “trade” will be, and this time we can see two extra dates in October when no profits will be announced, meaning investors’ accounts will not be credited on the days following those. Please take this into consideration when planning your profit schedule in AtrexTrade in October and read the following announcement carefully:

List of holidays/non-working days in October
Dear investors,
We would like to inform you that interest will not be added to your deposits on October 2 and October 21 due to official holidays.
Deposits and withdrawals will be fully available.
Thank you for your attention.


One of the most poorly managed programs of this autumn and a proven fast scam is now FX4Trading. The program had enough support and reasonable plans with instant payouts to continue for much longer than the one pathetic week which it completed. I became aware of the fact that payouts were delayed yesterday and immediately contacted the admin to see what was going on. To my surprise he openly admitted that FX4Trading was finished and the payouts would not continue. The main reasons he gave me (and it’s up to you if you believe him or not, as it makes no difference now that the program is a confirmed scam) began with security concerns regarding the instant payouts and the unreliability of the hosting provider and script. Some BitCoin withdrawals were also troublesome, though PerfectMoney and Payeer seemed OK.

After a few days of trying and sometimes processing even triple BitCoin withdrawals the admin seems to have given up on the idea of making all the withdrawals instant and instead decided to remove this option and move the site to a safer and more reliable hosting provider the following week. A series of updates were issued to the investors of FX4Trading to keep them in the loop on the current and upcoming changes over the weekend. Those updates were bizarrely either ignored, or not taken seriously by many investors who started complaining about the withdrawals not being instant, despite being warned in advance and jeopardizing any attempts by the admin to make fast manual payments. I myself saw people who were complaining on forums because they were not paid instantly or within an hour. So the main reason for the program’s premature collapse, according to the admin, was a security issue that necessitated a change to the withdrawal schedule, leading to massive panic on forums despite the payments actually continued, which in turn led to an inevitable cashflow problem and the end.

Unfortunately his best efforts didn’t stop the admin exposing himself as a disgraceful scammer anyway. Even though he admitted to me yesterday his program was finished, just earlier today he sent an email to inactive members of the program begging for money when he already knew full well he would never return a cent. Well, these things happen in the HYIP industry and sometimes even good looking programs with big advertising budgets fail to live up to investors’ expectations. Note that FX4Trading has been moved to Scam Status on the MNO monitor, so please stop investing there, even if you get some lucrative messages and offers from the admin.


The admin of USDBusinessLimited (interviewed here) also seems to be next in line to scam within a matter of days, so no further investments are recommended there. There are many reasons to suspect USDBusinessLimited may close before the first deposits on its major 2.2%-3.5% for 70 business days plan are scheduled to be returned. First off, the admin abruptly stopped his advertising campaign on MNO and other websites just a couple of weeks ago and didn’t renew any advertising banners which for me was a huge surprise judging by the good results these were helping him achieve. It aroused a lot of suspicion from my readers too with some expressing their concerns openly on the MNO ShoutBox. Now, with just a few days left before the first principals are due back the admin decided to use a tired and predictable trick by adding a new short-term investment plan paying 16% for 5 calendar days with the principal back on expiry (a whopping 80% pure profit in just five days!). The new investment plan is constructed the way that the admin may very well pay you up to 80% of your investment to lure in more deposits from you and others, but then your principal will never be returned to you, just like USDBusinessLimited plans to do with the general investment plans described in my review posted here. It’s no coincidence that the admin set a high minimum of $500 for the new short-term plan as he’s aiming for large deposits before closing.

Despite my warning posted on the MNO ShoutBox today I see some investors are taking the bait and still investing in USDBusinessLimited, which I believe will only result in huge losses. As the program is still paying instantly to me and all my readers, I can’t move it to Problem Status on my monitor for now, but if you are my downline in USDBusinessLimited and have pending withdrawals then please let me know and I will try my best to help you out, as I always do for my direct referrals. It’s simply impossible to deliver 80% profit for large deposits in five days which the admin knows well, so he’s pulling this trick with the new plan to collect more money and run away at its height of his fame. The tragedy is that what looks like a strong program like USDBusinessLimited with hundreds of investors already in profit end up re-investing what they’ve earned based on past experience and throw away all the profits it took them so long to earn, simply donating the whole thing back to the admin as he scams them. Experienced investors know this, so my warning mostly goes to newbies in the HYIP industry still unaware of the tricks shrewd admins will pull. So, mark my words – USDBusinessLimited is going to scam very soon, so avoid investing in all plans, old and new as announced in the following newsletter:

USDBusinessLimited News
Dear customers,
We have not updated the news section for a sufficiently long time because company development has been gradual and in accordance with our expectations and plans. Today we welcome our loyal and new investors and are pleased to inform that our proposal is already active during past three months. Since launch time, with your help and support we were able to implement several major projects in the field of energy saving and even participated in the construction of a wind farm in the north of the UK. This allowed us not only to meet new partners and also to make more money and increase the reserve fund, which USDBusinessLimited uses as reliable insurance for timely payments in case of force majeure. This is one of our distinctive features – we are proud that we can afford it and guarantee the safety of financial assets.
Over the past three months of work the company has attracted about 15 thousand active investors from hundreds of countries. At the moment about 500 official partners represent our investment service in 60 regions and conduct the necessary consultations for novice investors, as well as share their own experiences of cooperation and earnings here. The company executives are confident that these indicators show trust and willingness to grow steadily and get a profit. It means that our offer is interesting for many people around the world.
We really appreciate your trust and we want to invite you to the next stage of profitable cooperation. As a bonus and sincere gratitude for your support of our project we have decided to offer new terms for investors, which will surely be attractive to anyone who already knows our company, and also for those who first came to our website to only acquainted with USDBusinessLimited. Our proposal is limited, so we recommend you hurry to have time to get all its benefits.
In addition to traditional investment plans, now we offer the purchase of units (some kind of company’s shares, our tentative step towards the IPO that we are planning next year). Each unit costs only 500$ and will bring 16% daily profit within 5 calendar days. Your deposit will also be returned with the last accrual. This is an excellent opportunity to earn 80% of profits in such a short period of time. All financial operations associated with the creation of deposits and withdrawals of profits are instant as usual. We recommend to pay attention to changing of investment terms: now they are much more advantageous.
Financial managers of USDBusinessLimited project take care about that your cooperation with the company was as productive as possible. Register today and take full advantage of startup business. We will be glad to see you among our investors!
Regards, USDBusinessLimited Team


As I reported last week, those of you who actively use SolidTrustPay in the HYIP industry stand a decent chance to win some cash in the member appreciation week which is taking place right now as we speak. To increase your chances of winning and at the same time help STP improve their customer service you’re invited to take part in a survey where you can submit your answers following the link posted in their recent newsletter. There you will also find all the necessary information and rules of the members’ participation and prizes alloation. Please check below to find out more:

Member Appreciation Week Survey!
Here is your extra chance to win during our Member Appreciation Week!!
Fill out and submit the survey for your chance to win during Member Appreciation Week.
Customer Survey
Click Link above to go to survey.
Have fun and good luck!
What is Member Appreciation Week?
Member Appreciation Week is all about showing how much we appreciate you, our extended STPay family! We will be holding a series of contests and draws throughout the week for some great cash rewards and prizes.
What are the prizes?
With a total of 25 Mystery Cash Prizes daily, 5 daily draws to win the total value of your week’s fees, and a chance to win 1 of 3 Grand Prizes, there are many opportunities to win!
But how do you enter?
Simply do what you do best; use your SolidTrust Pay account for all of your daily Ewallet needs. It’s that easy! Every day during the third week of September we will be drawing random transactions to WIN INSTANTLY.
Don’t forget to like us on Facebook and Twitter.
*one survey per valid username.
**Please note that spamming is not allowed and it may result in your removal from the contest.


Here is the list of the programs from my monitor that paid me for the last 36 hours:
From MNO Sticky list: –
From MNO Premium list: RollNRichUSDBusinessLimitedPokerAutomatics, HonorForTheBraveAtrexTradeNuggetz, Profit4You.
From MNO Standard list: Carbon7, ProfitUnity.
From MNO Basic list: –

That’s all for today, guys. Please keep voting in the recent polls on the MNO TalkBack page, as the final results will be drawn in a couple days, so don’t miss the opportunity to share your thoughts on short-term programs and your strategy while playing them. If you enjoy reading MNO please do not hesitate to write me a couple of lines and I would be glad to answer you via the Contact page or directly to my email address You can also report any issues and concerns on the MNO ShoutBox, and keep following MNO on Facebook and Twitter, plus subscribe to get daily updates directly to your email address. And please, always check out the MNO monitoring page before making an investment to make sure that the program in question is truly paying – that just might save you some money. See you soon, folks!

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