Oct 16th, 2016 Archives

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

Hi everybody! I hope you all had a good weekend so far and are enjoying your Sunday. Before I get to the day’s main news stories I want to take a closer look at one of the newest programs added to my Standard List just recently which was MacroBanking. This is mostly a short term program which isn’t quite new exactly, having launched about a year and a half ago. But don’t make the mistake of thinking that MacroBanking have really been paying out on the plans they currently offer during all that time. Up until now they have been very much a “sleeper”, deliberately kept off the radar, technically speaking yes “online” but with zero publicity, and offering something very different. The admin has decided now is the right time to turn what was mostly just an obscure website into a genuine and active HYI program, and as such you can treat it as quite new. Most of you will probably know it’s a common enough strategy for regular admins anyway. Just create a program, have it online but basically hidden from any serious attention, and when you have established the illusion of a successful history and longevity you introduce it to the public as a reliable business that’s been paying for years. It’s not that big a secret to regular HYIP investors of course but will help MacroBanking pull in a lot more newbies.

There’s just one quick point I want to make about the MacroBanking investment plans before I get to the actual figures, and it’s something that might be confusing to anyone not paying very close attention. Basically all investment plans there make just one single payment on expiry. However I can see that some people might be under the mistaken impression that daily payments are offered. They are not. MacroBanking simply offer a description of their plans that indicate the daily average you can earn from each term. The profit:day ratio if you prefer, showing that, as is usual for HYIPs, those joining longer term plans not only earn more in total, they earn a better rate on a per day average. But no, daily payments themselves are definitely not on the table here, you only get paid once on expiry.

There are six investment plans to chose from in MacroBanking, and I think it’s fair to say that fans of shorter term HYIPs in general will probably recognize the style pretty much immediately as it’s fairly typical of this type of program. When I describe MacroBanking as a short-term program it isn’t strictly true. There are mid to longer term options in there as well, but these carry a lot more risk. Clearly it’s the shorter term plans that I will start with below that are the most likely ones to genuinely earn you anything. Starting with the first plan then, it runs for a term of just 1 single day and makes one interest payment on expiry, a payment that includes your principal. So join today and get paid tomorrow. The minimum cost of joining is $30 and for anything up to a deposit of $300,000 MacroBanking offer a return of 101.2%, or 1.2% profit. Safe and achievable as that may sound, unfortunately we have to remember something that’s beyond the control of the MacroBanking admin – fees charged by payment processors. A $100 deposit would get you back $101.20, but how much will your payment processor then charge you to turn that back into real cash in your pocket? Enough to significantly eat into your profits to make the entire plan seem a lot less attractive all of a sudden, despite being sustainable (in HYIP terms) for some time.

The second plan runs for a term of 3 calendar days and also pays on expiry. The same $30 minimum deposit is required to join and for anything up to $100,000 MacroBanking are paying back 104.5% interest, a figure that includes your principal so that’s 4.5% profit for yourself.

MacroBanking‘s next plan pays on expiry after a term of 5 calendar days. Your final payment will also include your principal. The minimum cost of joining is $30 and the return will be 109% on anything up to a maximum value of $100,000.

Next up is a plan that runs for 7 calendar days and pays once on expiry. The minimum deposit is $30 and for anything up to $100,000 the rate being offered is 114.7%. This again includes your principal, meaning your net profit is 14.7%.

This is followed by a plan running for 15 calendar days, paying once on expiry. Deposits from a $30 minimum up to a value of $100,000 are offered a payment of 137.5%. Your principal is included as part of that, so it’s your own money returned plus 37.5% profit as your reward for joining MacroBanking.

As you can see the plans get more and more risky as the terms get longer. You can still join for a minimum spend of $30 and for MacroBanking‘s final investment plan which runs for a 30 calendar day term that can supposedly earn you 180% interest, paid on expiry and principal included, if depositing up to $100,000. To be perfectly fair about it here, what MacroBanking are offering in terms of an actual interest payment isn’t that ridiculous by any means for the HYIP industry. Similar programs offer rates that are simply a bad joke, and never come anywhere close to paying them (which was never the intention). The main danger here is that waiting 30 days without getting anything back is a mighty long time in the HYIP industry, and a long time for your money to be sitting in someone else’s pocket not doing anything for you.

So if any of those plans are to your liking, the next thing you’ll need to know about are what you’re payment options. MacroBanking are using four methods for deposits and withdrawals, which include the popular PerfectMoney, Payeer and BitCoin, plus the less widely used WebMoney and AdvCash. Payments to members are made manually by the MacroBanking admin so will have to be requested from inside your private account area. After doing so you will need to allow anything up to a further 48 hours for all transactions to be fully completed. That’s quite unlikely to ever be the case however, fast payments are vital for the success of programs offering shorter term plans like MacroBanking and all of my own requests have been processed very quickly with no delays worth mentioning.

Moving on then to the more technical and design related features the program then, most of the regular industry players will probably recognize the script that MacroBanking runs off instantly. It’s under license from GoldCoders and has the usual easy to navigate and user friendly interface investors have come to expect. Hosting is on a dedicated server with the support and protection of CyberWurx. This is the first time I have seen this name in the HYIP industry so am unable to say how their service measures up against some of the more established providers. I suspect it won’t be long before we find out, assuming MacroBanking gains any degree of popularity. For an extra layer of protection the MacroBanking website has an Extended Validation SSL encryption certificate by Comodo for safer browsing and more secure transactions.

If you need to get in touch with the admin for any further questions then you can contact MacroBanking either by writing directly to the listed email address or else fill out the online support form and submit it through the support page. Links to some social media networks like Facebook and Twitter don’t take you to any actual active profiles, just the respective websites homepage. Maybe they will be added later, I don’t know. MacroBanking also include a postal address, though as most of you will know by now this can safely be ignored as being a virtual hosted workspace used for company registration and not where anyone connected with running MacroBanking is physically located.

The alleged business plan backing it up as the name implies is we are told offering financial services and trading currencies. Of course were that to be true most readers here are experienced enough to know that such claims will never be substantiated and know what to ignore about online HYIPs when assessing what they like to join and what they prefer to avoid. So you should also know that if you are investing in MacroBanking that there’s a limit to how much longer it can genuinely survive for, and to set your spending limit to a level that reflects the risk and that you can afford to lose. And also if joining the program try to keep it as a smaller part of a wider more diverse portfolio.

Just before we move on to the news section I want to finish up with MacroBanking, at least for today anyway, by asking what readers think of it. You can weigh up the pros and cons of joining, and decide whether it’s a risk you think worth taking. I hope then that you won’t mind answering the following opinion poll question, which is as always 100% anonymous and only takes a second to complete. Thanks to everyone who votes, as it will make interesting reading maybe not today but several weeks from now when we look back on MacroBanking and see how it has developed by then.

Will you make an active deposit in MacroBanking?

View Results

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Although Payza remains one of the most in demand payment processors among my readers, at the moment only three programs from my list – Zinc7, BandeiraCorp, and Imperial7 – accept it. I believe by not taking Payza potential HYIP admins really lose out on potential turnover. There are so many advantages for regular investors using Payza that I simply can’t name them all, but at the same time it’s a headache for HYIP admins who face huge challenges in becoming an approved merchant which can only be done for Business account holders. Yet I still say that businesses that work with Payza open new horizons for their programs to grow outside of the regular HYIP circle appealing to the people who deal with regular banks and credit cards and who consider anonymous payment options too shady. While Payza demand verification from clients looking to use them to their full benefit, it’s a very easy thing to do after you open a Personal account with them. It’s even easier then to start using it in HYIPs where you can purchase Payza with BitCoin funds, credit cards, and even make a bank transfer if you wish. Withdrawing your profits from your Payza account is also pretty easy and alongside the available BitCoin, credit cards, and other regular banking options, you can now use a very convenient method which is a Payza Pre-paid card. It’s an extremely easy solution if you want some flexibility and it gets delivered for less than $20 directly to your home address as verified in your Payza account.

Apart from the HYIP industry Payza is also popular among internet shop owners and sometimes the administration issues special updates for such business account holders to help them operate their online businesses successfully. In the latest post taken from the official Payza blog they gave some tips on what entrepreneurs have to prepare themselves for in the upcoming holiday shopping season. If this affects you then check out the article below to find out more on that:

Updating Your Business Security Before the Holiday Shopping Season
Back-to-School season is behind us and that means consumers can take a well-deserved break from their shopping duties. Businesses, on the other hand, get no such break. The gap between Labour Day and Thanksgiving is a very important one: it’s the time when online retailers need to take a good hard look at their security practices and make sure they’re up to snuff in time for the demanding holiday shopping season.
Last year, e-commerce sales on Cyber Monday topped $3 billion in the US, marking the busiest online shopping day in American history. Consumers swarm to online stores and marketplaces on the first Monday after Thanksgiving, and if you’re not ready for them you could find yourself being left behind. Whether you run out of stock, your website crashes from too much traffic or, worst of all, you find your business (and your customer base) infiltrated by cybercriminals, if you don’t prepare your web store for the holiday rush this year, you may not be around next year to try again.
In 2016, Cyber Monday falls on November 28th, but every year consumers begin their holiday shopping sooner and sooner. With the amount of money that will be flowing through the e-commerce industry on Cyber Monday, there will be no small amount of hackers trying to take some of it for themselves. The promise of deals and the charm of holiday greetings are often used to disguise malware; many of your visitors could already be infected, so you need to make sure your website is fully prepared to sustain any potential attacks. The quicker you can prepare, the richer you’ll be New Year’s Day, and here’s how you get started:
Firewalls: Security experts are always trying to find new vulnerabilities before the hackers do, and each time they get more sophisticated so do the hackers. Regardless of the size of your business, firewalls are only strong if they are up-to-date, so make sure to have the latest rules and updates installed.
Patches: To circumvent firewalls, many attacks can happen through legitimate applications installed by your business. Firewalls view these programs as trustworthy, but if the program itself is vulnerable, hackers and malware can get into your network using that hole in your security chain. Before the highly vulnerable shopping season begins, make sure all of your applications are updated with the latest patches from their manufacturers.
Traffic: Monitoring the traffic on your website is most important during the busy holiday season. Cybercriminals attempting to make fraudulent transactions are counting on going unnoticed due to the heavy traffic. Make sure you address any red flags in your system right away.
Communication: Social media is not just for marketing. Monitor and engage in social media channels and respond through your customer service channels so that you can be the first to know if any shoppers are experiencing any suspicious activity or bugs in your system.
Maintenance: Being able to handle a high volume of traffic is not just important to your sales figures – the heavy load can cause some features to malfunction and open up vulnerabilities that hackers can use to launch an attack. It’s vital to have more than enough bandwidth capacity, so go with a web host you trust and opt for enough headroom to run smoothly even if your most extreme sales predictions come true.
Let’s not forget that sales are everything. High-bandwidth capacity isn’t just a security feature; if your website crashes, or even if it takes just a little too long to load, you’re going to lose customers. Running out of stock also means lost sales, so again, it’s better to have too much than too little. The busiest shopping day of the year, Cyber Monday, is your biggest opportunity to gain new customers that will keep coming back for the rest of the year, but only if you can handle the traffic.
And finally, if you skimp out on any our recommendations above and as a result, you experience a security breach, even a minor one, it’s going to do lasting damage to the level of consumer confidence you’ve worked so hard to build. The worst thing you can do before the holiday shopping season is to take security for granted.


I’ve decided tonight is the closing date for votes in the latest poll on the MNO TalkBack page and replace it with a new question for the coming business week. The question I asked was – How important is total originality in HYIPs for you? I must say that I had a good reason to ask this, because of the controversy that surrounded Zinc7 when it first started. In my personal experience do borrow heavily from one another, and once something becomes a leader in the HYIP industry any tried and tested model becomes a matter of the close observation from rival admins. They have to know what kind of investment plans and business models are in demand among large investors and next time they try to re-create websites with a similar feel and, in some cases, almost identical to the previous giants. Some people dislike such copy-cats and avoid joining them, but among my readers they only number 8% – a tiny minority from those who answered the question. That actually proves that the enormous success of Zinc7 among readers who noticed a similarity in design and investment plans but still preferred to go with their gut-feeling, and so far many of them haven’t regretted their decision. 34% of voters said that they don’t mind any similarities with successful projects from the past, and believe that the HYIP admins must follow successful and time-proven business models in order to succeed in the face of strong competition for investors’ money. The overall majority of 58% of the voters though took a more weighted and reasonable position when they don’t mind any copy-cats or similar looking websites (even though they are not necessarily run by the same admin), if the admin works hard on improving on the original model he took the example from. So, the results of the poll speak for themselves and the MNO readers are mostly totally OK with joining and depositing in similar looking, a.k.a. copy-cats, and are happy sacrifice the originality for profitability.

For the new poll running on the MNO TalkBack page over the next week or so I would like to ask your opinion on the after one-day paying programs. I still remember a time when such programs were extremely popular among my readers and the most successful of them could last for weeks and even months making investors some good money in the process. More recently however such programs as PalUnion and MacroBanking seem to be almost forgotten and skipped by many in favor of medium-term programs with longer paying potential like Zinc7 or Imperial7. So, I would like to know if my readers still favor such short-term programs usually paying once on expiry and starting their investment terms with one single day. The exact question is listed below with the possible answers, and you can vote by clicking here:

Do you invest in programs offering “after one day” plans?
– Always, I like programs with fast profits.
– Sometimes, if I like their other features.
– Rarely, as I don’t think they can last long.
– Never, I only join medium and long term programs.


Here is the list of the programs from my monitor that paid me for the last 60 hours:
From MNO Sticky list: –
From MNO Premium list: Zinc7ArdexFundsBandeiraCorpEdelweiss5.
From MNO Standard listPalUnion, Imperial7.
From MNO Basic list: HYIP-A, EarnTechDowerly.

That’s all for now, guys. Remember that you can always find the best and highest budget investment programs performing well on my monitor, but make sure you invest in those that are on Paying status only. And for the best of the best performers comprising the Top Five Popular Programs among my readers please check out this article. Stay informed and never miss any big hits from the HYIP world by taking a moment to subscribe to the daily news here and have everything sent to your email when posted on my blog. I’ll be back in a couple of days with the latest events from the HYIP world. Thanks for reading, stay tuned, and see you all soon!

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