Aug 27th, 2016 Archives

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

Hello everyone! I hope the weekend is going well for you all so far. There hasn’t been much news to report so far which is not in itself a bad thing, but as the summer finally begins to give way to autumn I’m pleased to be introducing another brand new addition to the MNO monitor. More on that in the second half of today’s update, first I want to start with a program called LaraWithMe. It’s an unusual name for sure, but then LaraWithMe is also a highly unusual program and quite unlike anything we’ve seen before in the industry. Of course if we think about what the letters HYIP actually stand for – high yield investment program – then LaraWithMe is quite straight forward and uncomplicated. They’ve only got one investment plan and the same terms & conditions apply to all members regardless of how much they are spending. What really makes the LaraWithMe website so unique is the operating system, something I’ll start by giving you some background information on before you decide whether or not the program will make for a suitable addition to your portfolio or not.
First of all then, who is Lara? Well, it’s not the name of the admin, nor even that of a real person. Lara is a bot, which you can think of as a sort of “interactive artificial intelligence” in a similar way to let’s say Siri to those of you familiar with Apple smartphones. The LaraWithMe website then, rather than working off a more traditional style script we usually see in the HYIP industry, is run off Telegram. I’ve only heard of this myself for the first time quite recently, and it is very new. Telegram is basically a cloud based highly encrypted multi platform instant messaging service. It’s really only in the last couple of months that it’s become more widely available to the general public, so I imagine a lot of you won’t be familiar with the name just yet. If it helps I just want to mention as a side note that Telegram was developed by Pavel Durov, internationally famous as the founder of VK, the social media network especially popular with (but not only) Russian speakers. So the software has some pedigree behind it and will I am sure become a household name within the next year.

Anyway, Telegram is available in several guises suitable for all sorts of Android, iOS, Windows, etc mobile devices and desktop computers. In order to use LaraWithMe therefore you are going to have to use Telegram as well, being the program’s “operating system” so to speak. But don’t worry, there’s nothing all that difficult involved here. You can either install Telegram on your computer or mobile device, or else just enter you mobile/cell phone number to receive an entry code to start using the web version.

Once we put all the technical stuff to one side just for a moment we can see that the basis for LaraWithMe, the very core building block if you like, is that it’s really a very simple and straight forward program. There is after all only one single investment plan, and the same terms and conditions apply to all investors, big and small. I’ll talk you through the practicalities in a few moments with a simple step-by-step guide, let’s just concentrate on the numbers first and not get too dazzled by the extras. So basically LaraWithMe is a perpetual style program. That means there is no expiry date on the investment plan, and it will continue paying you every calendar day for as long as the program survives.

It should be noted at this point that your deposit will not be returned, and there is no exit clause from the program. So once you are in, you stay in, and everyone remains a member right until the end. Probably some of you are in two minds about this, but personally I can see a positive side. You see, one of the main failings of other perpetual style programs in the past was their fragile nature, finely balanced and overly dependent on events which were inevitable not happening. If you allow investors to withdraw their principals then obviously it’s only a matter of time before they, rightfully, do so. The problem is what happens when all of a sudden too many of them all start asking for their money back at the same time? Chaos of course, and the whole pyramid comes tumbling down. So by removing the right to leave the program, LaraWithMe have also removed the hit-and-runners that would have done so much damage, and also removed any uncertainty about how much money the admin is going to need in order to keep paying his members today, tomorrow, and so on. In the longer term it will only benefit the program and put a bigger number of LaraWithMe members into profit.

You only need a $15 minimum to join LaraWithMe, though this is where we encounter the first major difference between them and other programs. You see, you can only make investments with a certain fixed set of amounts, and not just any random figure off the top of your head. Investments will only be accepted if they are made with $15, $50, $100, $250, $500, $1,000, $2,000, $3,000 $5,000, $10,000, $15,000, $20,000, $30,000, $40,000 or $50,000. I don’t really think this is helpful but it’s just the way things work. In other words you can deposit $15, but not $16. You can deposit $50, but not $49 or $51. Once you decide which of those figures best matches your budget then make your deposit. LaraWithMe will reward you with a daily interest payment of 3% per calendar day. This rate applies to all LaraWithMe members regardless of how much they invested. How much you ultimately end up with is anyone’s guess, depending entirely on how long the program stays online. The only important statistic you need to watch out for is how long it takes to break-even and start collecting a pure passive profit. At 3% per day that means you earn back an amount equivalent to your original deposit after 34 calendar days, which also sees you in profit for the first time. From that point on there is no longer any personal risk to you or your money, and everything else is profit. You’ll need nerves of steel of course to get past that first 34 days, but that’s nothing new for the HYIP industry or its seasoned investors. There’s a handy built-in investment calculator included to help you work out how much profit you should expect over various time periods depending on how much you have decided to spend.

Incidentally, when I say there’s no possibility to get your principal back, technically speaking that’s not entirely true. The escape route (for want of a better word!) won’t apply to most of us. A second investment offer called The Jet Black Plan has been added which has many similarities to the original. It’s a perpetual-style plan so there’s no expiry date, and members earn a daily interest rate. The difference is that the rate drops to 1% per calendar day, but as a trade-off for accepting the lower interest payment investors can withdraw their principals at any time if they wish to leave. The catch? You need to make a minimum investment of $50,000 for the Jet Black Plan to be made available to you, and even then you can only use BitCoin to join.

If that’s a risk you feel worth taking, then the next thing we should discuss is what are your payment options. The list of available processors is pretty good, if somewhat standard for the HYIP industry, but what I found most interesting was the payment schedule made available to members. As with most other programs you can request a daily interest withdrawal, which is what I would strongly recommend doing myself by the way. However LaraWithMe also has a sort of automatic payment management system if you prefer. This is called the “Success Schedule”, and once activated it should just gather all your earnings over the course of a week and send them in one bigger payment to your payment processor account automatically every seven days. You yourself decide what day of the week this gets done, and if you change your mind at a later point you can simply switch off the feature at any time to revert back to making daily withdrawals again. Payment methods currently in use include the most popular providers in the industry, with LaraWithMe using PerfectMoney, Payeer, BitCoin, AdvCash, and the most recent addition Payza. Once you make a withdrawal request the money should be available in your payment processor account within seconds by the way, as all withdrawals are processed instantly which is sure to be another feature most members of LaraWithMe will appreciate. A rare feature in the HYIP industry however is that you will be able to choose where you want the money to be sent. Simply put you can use the LaraWithMe website not only as an earning tool, but as a free and instant exchanger (for instance make a deposit via Payza and withdraw to PerfectMoney, etc.)

So, if you like the sound of that then how to proceed? First of all you have to click a tab marked “Activate Lara”. This will get you started with the “live robot” called Lara. All transactions – deposits, withdrawals, show balance, your downline, etc are displayed within the Telegram account. That’s basically a chat window showing your “conversation” with Lara and includes all the menu with buttons you’ll need to manage your account from that point on.

The next thing you do is go to the “Earnings” button. Click on that, and then on the “My Money” which opens beneath it, followed by the “Deposit” button. This is where you then find the various amounts of money mentioned above that you can invest. Click the one that best suits your needs, then choose the payment processor you wish to invest with and proceed as usual. After confirmation of a successful payment is sent by the bot you will then start earning 3% per day. You will see your LaraWithMe account credited after 24 hours.

Accounts are all credited with their earnings at the same time every day, so you’re free to request your payment anytime after that. In order to make a withdrawal you will just need to follow a similar process to that of making a deposit. Namely you click on the “Earnings” button in your account, then click the “My Money” button, and finally “Withdraw” whatever amount you have earned from your LaraWithMe Telegram account. As I already mentioned above you will be able to choose where you want the money to be sent and are not necessarily tied to the same payment processor you joined with. If on the other hand you prefer not to withdraw your profits immediately but rather re-invest them to help your principal to grow, that is to say compounding, you’ll need to activate a setting called “Infinity Reinvest” from inside your LaraWithMe account. This will then allow you to re-invest your earnings back into the program which will be treated as an entirely separate and new deposit (as opposed to just compounding the interest onto your existing principal). Just be aware that your interest earnings can only be added to your principal once they have reached the $15 minimum required for an investment.

Moving on to the more technical elements of the LaraWithMe website such as design and security features, I know it’s just a matter of opinion but personally I think it’s outstanding. As soon as you visit the site the first you hear is the background music, easily muted if you find it distracting or are spending long periods on the site. There’s also a very slick and professionally made short film about LaraWithMe, though if I’m honest I have to say it looks a lot more like one of those promotional videos for exotic vacation destinations you sometimes see on cable TV news channels than actually doing anything to explain the program. In fact there are several other member made videos available on the site in a variety of languages (Russian, German, Spanish) so you can check them out for something a bit more practical. There’s a superior Green Bar version of Comodo Extended Validation SSL installed to give safer browsing and more secure transactions. For a hosting provider the LaraWithMe website is hosted on shared servers with the tech support and protection from CloudFlare, however because everything is done via the Telegram app the importance of having your own dedicated server is far less of an issue than it is with other more traditional style programs.

If you have any further questions for the admin or need to get in touch about any account related issues then you have a couple of options open to you. The LaraWithMe website is multi-lingual so that might help clear some things up for a lot of you before contacting support, and there’s an extensive FAQ section which covers subjects I think. There’s widespread activity on various social media sites, such as Facebook, etc, but the fundamental basic premise of Telegram of course is an instant messenger so that in itself is a primary point of communication with the support. Support is available in several different languages, and is available 24 hours per day in English, Chinese, Russian, Turkish, Indonesian, Korean, and Spanish. As a legal entity the LaraWithMe website is incorporated in both the UK and the US state of Delaware, however these are two jurisdictions where simply registering a company name is a very cheap and simple process (registering a company name and being licensed to provide financial services being two entirely unrelated things remember) which I know regular readers won’t pay much attention to but seems to impress the industry newbies.

All in all, the program provides a unique blend of modern innovation with an old fashioned investment plan. The full potential of LaraWithMe will become clear in the coming weeks and months because it seems to be only starting its advertising campaign now with monitoring on MNO. For the record in case anyone is interested, as a business plan to finance the payouts to members LaraWithMe claims a variety of online activities, ranging from BitCoin trading to HYIPs. Investors with $500 or more are offered a chance to share the programs exact portfolio, though I really wouldn’t say it proves anything and certainly doesn’t guarantee profitability. As with anything in the HYIP industry therefore you should always always always proceed with caution. LaraWithMe has some good concepts, but at the end of the day is still an online HYIP and you have no idea who’s at the other end handling your money. So the same rules apply here as anywhere else. Stick well withing a sensible spending limit you can comfortably afford to lose if the worst happens, and can easily earn back from other sources. And of course if joining LaraWithMe at all then try and use them as a smaller part of a wider more diverse portfolio.

There’s plenty to think about there for sure, and who knows, maybe we are even getting a glimpse at the future direction of the HYIP industry if LaraWithMe proves a successful prototype. If you’ve given it any consideration then I’d just like to finish up by asking what you guys think of the whole thing. Are you more or less likely to join something so different than what you would usually find in the industry. Please answer the following opinion poll question, keeping in mind that it’s 100% anonymous and untraceable, as I think it will be interesting to look back on the results in the coming weeks/months when we have a better idea what direction LaraWithMe is going in:

Will you make an active deposit with LaraWithMe?

View Results

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The newest addition to the MNO Premium List came last night in the form of Edelweiss5 – a curious program with non-standard investment plans and running off a totally custom made script which requires a significantly higher initial budget. Well, even by simply being able to list his program on the most expensive monitor in the HYIP industry and purchasing a top banner on the MNO blog for one month in advance should tell us the program has absolutely no financial issues at the moment. Having been online for over seven weeks Edelweiss5 seems to still not have reached its true potential. And indeed, with a relatively high minimum to invest of $50 and quite moderate investment returns it appears Edelweiss5 is destined to be a slow burner and will earn investors’ trust gradually which might be not as bad at all for the program’s longevity.

There’s only one investment plan on offer in Edelweiss5 which is available to join via four payment options – PerfectMoney, Payeer, BitCoin, and AdvCash. By joining the program you expect to be paid over a period of 365 calendar days some variable returns that will be anything from 0.5% to 3% on business days (Monday to Friday), and a fixed 0.5% return on weekends (Saturdays and Sundays). The best thing is you don’t need to lift a finger after making a deposit as the daily returns are fully automated and they will be sent to the same e-currency account you made your deposit with on the exact same time every 24 hours. Please note that there is no possibility to withdraw your initial investment from Edelweiss5 until the end of the 365-day period after which it expires, so theoretically your total return from the program might be 182.5%+ annually, which is of course just the bare minimum with a different daily rate posted on the website every business day. I hope that this description makes sense to you, but if you still have difficulties in understanding the investment plan please wait for the full review of Edelweiss5 which will be posted on my blog in a couple of days when I will explain everything in detail and with examples.

Overall, Edelweiss5 tries its best to look like a real German incorporated company with some documents provided on the website. At the same time, I believe that the real roots of the administration lie in the Ukraine from which the program regularly reports on opening offline offices in different cities with regular video reports found in the news section. The site is available in English, Russian, and German languages, and a short video introduction in English on the areas Edelweiss5 allegedly invests with can be found on the MNOVision page. There is even an investment agreement available to print for your pleasure after making a deposit, so the creativity of the administration in attracting people not familiar with the general concept of HYIP investments really can impress. Quite an active promotion made offline makes me believe that HYIP investors are not the only ones Edelweiss5 is targeting, so it might help them building their business and growing even outside of the HYIP industry, while low returns and claims of legitimacy of the whole process might attract totally different groups of investors usually not interested in HYIPs. In technical terms everything seems to be working like clockwork for a few weeks now as the EV SSL (Green Bar) from Comodo and hosting on a dedicated and DDoS protected server provided by CloudFlare should help the case too. As MNO is only starting monitoring Edelweiss5 I won’t be bothering you with all the news and updates the program has been posted over the last seven weeks, but from now on will report all further news on my blog, after posting the full review on Monday which you should definitely check out if you like investing in original low ROI and long term programs with some unique features.


Here is the list of the programs from my monitor that paid me for the last 48 hours:
From MNO Sticky list: –
From MNO Premium list: BandeiraCorp, ArdexFundsTrustInvest, Capitaller, CryptoGlory, Edelweiss5 (the first payment received).
From MNO Standard list: XCBForex, LaraWithMe.
From MNO Basic list: HYIP-A.

That’s all for today, guys. Unlike so many other monitors, I’m glad to confirm that the situation on the MNO monitor remains quite stable for over a week now with all the programs featured there paying fine. And the only new remaining program will no review posted on my blog yet – Edelweiss5 – will be covered on Monday when I’ll also have any other updates from the most elite investment programs you can find online and worth your attention. I’ll probably also finish with the current poll still running on the MNO TalkBack Page on the subject of what you use your BitCoin wallet for and replace it with a new question.

Remember that next week sees the start of September and with this new high hopes from investors hungry for quality programs. As the MNO monitor tries its best to accommodate only high budget programs with experienced admins, you should definitely bookmark my site and check it out often not to miss the next big thing. It would be even better for your wallets to follow MNO on Twitter and Facebook where links to all important articles are posted at the time of posting. However, the best way to be completely up-to-date with everything would be to subscribe to the daily news on this page by entering your email address and have everything sent to your inbox by the Google service provider Feedburner. I would like to wish you all the best for the rest of the weekend and hope to see you all on MNO on Monday!

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