Nov 12th, 2016 Archives

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Hello everyone! Interesting times we’re living in, that’s for sure. These last few months have seen many surprises and unexpected events few would have though possible this time last year. Both online and offline. Who would have thought “The Donald” Trump would win the American presidency and Britain would vote to leave the European Union, and yet here we are. Who would have thought that Daily314, a.k.a. DailyPi would not even last a full cycle and become one of the worst scams the HYIP industry would see this autumn while ForexBrothers would still pay instantly a few days after introducing the highly controversial 120% after 1 day amongst other similarly high-paying investment plans. I even issued some warning messages on my blog on Thursday, something I may have regretted when it comes to ForexBrothers, but certainly not for Daily314 when my suspicions proved correct. But never mind. Today despite being Saturday I have a few news updates from the most popular programs in the HYIP industry so overall things still look pretty healthy. Yes, I know there is some bad news about selective payouts from MacroBanking and the Daily314 scam, but in general those following the MNO monitor should still have a robust portfolio by now. The major highlight of this evening’s post is definitely the introduction of a new Premium listed program called Razzleton, which is where I’ll start for today.


Razzleton is the newest addition to the Premium List on MNO which the program joined last night. You might not be aware, but Razzleton has been online and paying since last December. Lots of things have changed since then, but Razzleton has survived and turned from an ugly duckling without any decent design or enticing investment plans into something truly spectacular and eye-catching that you see now. Is it too late to join the program you might ask? Well, it’s always been hard for me to answer this question and particularly when we talk about programs that stay deliberately off the grid without any attention for so many months and only changed into something more presentable and attractive in recent weeks. On one hand, it could be an attempt to get some more attention and money from the English-speaking audience reading MNO and preferring high-budget quality programs, but on the other hand, and which is more probable, Premium listing on MNO is an attempt to expand its presence in the HYIP industry and is another step on the way towards the very top. From my personal experience, very few programs can achieve their full potential without listing on MNO and I’m glad that the admin of Razzleton has finally realized this. How it performs on my monitor only time will tell.

Ok, I will give you a more detailed analysis of Razzleton in the upcoming review on Monday. Today allow me to take a brief glimpse at what it has to offer investors. The investment plans can be divided into two main categories: paying daily on calendar days with principal back on expiry (2.1% for 15 days, 2.3% for 30 days, 2.9% for 55 days), and paying once on expiry most of which cannot be recommended and should be skipped in favor the daily payment options (150% after 15 business days, 500% after 20 business days, 300% after 30 business days, 1500% after 40 business days, 1000% after 60 business days, 5000% after 90 business days). There are five payment processors accepted – PerfectMoney, Payeer, BitCoin, AdvCash, and NixMoney – with Neteller also listed, but not actually taken. All deposits should be added automatically, except those paid via BitCoin, and for withdrawal requests you should allow up to 48 hours for them to be processed. I can’t really confirm yet how fast Razzleton pays, but I assume I will receive my first payment as requested earlier today by the time I review the program on Monday.

The program has been officially incorporated in the UK under the name Razzleton Healthcare Limited and, as follows from its name, claims to be involved in the wholesale distribution of medicines. The site is very informative and well-made and is available in four languages with professionally translated versions (English, Russian, French, and German). There is a step-by-step guide available after you arrive at the site for the first time, which can be skipped, of course, but which nevertheless will be very useful for those new to HYIPs. Despite the fantastic design with pills seemingly featured everywhere (reminded me of the Nurse Jackie series on TV, lol) and a user-friendly interface, the admin has chosen the time tested and ever reliable licensed GoldCoders script, slightly modified at his request. The level of security is top notch with an SSL EV Green Bar provided by Comodo, DDoS protection provided by DDoSGuard who keep Razzleton on a dedicated server, and the domain name registered for ten years in advance. Oddly enough, this domain name is featured now for sale by auction by the owner, but I hope that he’s just testing for offers at the moment without any serious intention to sell anytime soon.

Overall the site has lots of useful information and a very comprehensive FAQ, investment guides, and a video presentation also featured in different languages. At your disposal there is an always helpful Live Chat support and other multiple social networking websites you can go to and chat with support staff or your fellow investors, if you prefer. The site will surely impress you, but whether it will be enough to make you invest is entirely up to you. I’ll have a more detailed analysis of Razzleton on Monday, so stay tuned for that!

Last but not least about Razzleton before wrapping up for today is the admin has a good sense of humor. Otherwise, how would you explain the image of US president elect Donald Trump featuring so prominently on the site’s main page, and the advertising banner with the “Donald Trump Recommends” seal of approval. The admin is possibly a fan of the mogul turned politician, as he even dedicated one of the latest news updates on the website to him. I’m including it below just for your amusement, as I never though HYIPs and politics could be so intertwined, lol. Anyway, good luck to investors and the admin of Razzleton alike in running a profitable program for as many people as possible:

Donald Trump Selected 45th US President
The name of the new US President became known on November 9, 2016. In the next 4 years Donald Trump will be the leader of one of the largest countries in the world. A well-known media mogul/ media magnate, an organizer of the annual beauty contest “Miss Universe” and a successful businessman beat Hillary Clinton in the presidential race with large majority.
Newly elected US President urges America to unite and promises in the nearest future to realize an effective program of reforms, which will significantly increase the US economic growth. “America will no longer settle for anything less than the best,” – says Donald Trump.
The new leader of the country guarantees the establishment of friendly relations with all states striving for cooperation with the United States. The international community met the controversial choice of Americans with mixed feelings, but everybody agrees on one thing: there are big changes ahead.


I’m not sure how relevant news of the changes in the referral commission system in SoftmeetBit is for most of you, but in any case I’ll discuss it since the admin found it necessary to make the following announcement in today’s mail sent to members:

SoftmeetBit Team
Dear Investors
Referral Commissions are revised as below Level 1 – 5% Level 2 – 2% Level 3 – 1% Level 4 – 0.5% Level 5 – 0.1% Effective immediately
SoftmeetBit Team

Getting off on the wrong foot with lots of issues including unprepared advertising materials and difficulties with crediting deposits through BitCoin, SoftmeetBit managed to overcome them eventually. Since my original review of the program posted here, SoftmeetBit has added PerfectMoney as a second payment method. The investment plans remained the same – 1.2%-1.5% for 15 days, 1.8% for 30 days, 2% for 45 days with interest credited on business days only and principal returned on expiry. As SoftmeetBit has been online for less than two weeks now, it’s too early to judge its overall performance as even the first members have not taken their principals back or got even close to the profit zone. But I hope that with the instantly processed payouts and very slow growth SoftmeetBit will enjoy a gradual and sustainable development that will be enough to keep the program paying for a long time. Anyway, only time will tell if that’s going to happen, and I’ll report on my blog when the first investment cycle is complete and I get my principal back.


I’m afraid that two programs have been moved to Scam Status on the MNO monitor within the last two days – Daily314 and MacroBanking. Let’s see what went wrong.

Starting with by far the better of the two programs which was MacroBanking. As you know, MNO takes selective payouts very seriously and when I get a verified complaint from one of my readers and the admin failed to pay what was owed, I didn’t hesitate to move it to Problem Status. I firmly believe that such admins should not be encouraged to rob other unsuspecting investors by pretending everything is fine so they can collect the last few pennies. As soon as one person is not paid it’s just a matter of time until it happens everyone. Unfortunately with MacroBanking I can see the same policy is not enforced by too many other monitors who without any shred of of conscience continue to display Paying Status for the program simply because they are paid a couple of cents. I can tell you with confidence that MNO will never be such a shameless monitor, as the reputation that I’ve built over the last ten years means so much more to me that a couple of extra dollars I could otherwise make by ignoring obvious problems. I can’t say that MacroBanking was a bad program though, quite the opposite. Over the last four weeks it was listed on MNO there was plenty of opportunities for my readers to take advantage of its short-term plans and make excellent profits sometimes as fast as 24 hours. Despite flying under the radar since March and in a more active phase for the last month, MacroBanking managed to become quite a decent little money-spinner for many investors, but all good things must come to an end which is especially true of the HYIP industry. MacroBanking is on the verge of collapse, so make sure you do not invest there again, even if you’re still getting paid small payouts which will probably continue for the time being.

What can I say about Daily314, guys? Well, it’s been one of the worst fast scams of this autumn and a complete and dismal failure. I already issued a warning after the strange bonus offer was made two days ago and alas, Daily314 stopped all the payouts yesterday. Only some very tiny interest payments were going through the last time I checked, and that’s just to help scam the last few dollars from any unsuspecting investors who fail to check the status of Daily314 on responsible monitors. Only seventeen days of payments will get even those who joined the program in the first 24 hours just 50% of their deposit back, and those who joined later got even less. Fortunately for me (and not for the scumbag behind Daily314), the amount the admin spent on advertising on my site was more than the overall money he received from my readers, so I hope he will think twice before coming to me with his next fast scam ever again. I was initially pretty surprised by the lack of interest in Daily314, also known as DailyPi, shown by the MNO readers, but apparently they were not so impressed with the program’s concept, design, or script. Thankfully then the flow of money from MNO was not as much as the admin was probably hoping for. His final trick with the deposit bonus was exposed on my blog on Thursday, after which Daily314 stopped paying and was moved to Problem status on MNO on Friday before finally making its way to the Scam graveyard on my monitor today. It’s a pity that such admins still exist in the HYIP industry and try to take advantage of investors faith in alternative concepts and designs with automated payouts like Daily314 did. It was a really disappointing result and possibly the worst program of this autumn. Please note that Daily314 is a proven scam now, so do not invest there any longer!


For quite some time now Payza has been one of the main payment processors HYIP investors pay a lot of attention to, if you need to make sure a program is well-prepared by the admin and is ready to work for a long time. Why is this important, you might ask? You see, it takes lots of time and effort to verify your business account in Payza. You cannot do this and have a payment button approved without submitting documents confirming your company’s legal status. That’s why only the most forward-thinking and experienced admins prepared for the effort and expense to have a Payza account verified are the most likely ones to work for a longer time. At the same time, the strict requirements imposed on business account holders to have their sites approved allows smart investors to cherry-pick the best programs that might bring them profits in the long run. That’s why all three programs currently listed on the MNO monitor that accept PayzaZinc7 (reviewed here), TrueBit (reviewed here), and BandeiraCorp (reviewed here) – are among the best, paying for many weeks already and are among the Top Five best rated programs. As for those investors who haven’t opened a Payza account they should really do so by clicking here, as only with Payza do you have an option to file a dispute and be refunded at least part of your money in the event of a scam. Payza has the highest level of security in the HYIP industry, by far the best Live chat support (after latest very positive changes that have been implemented), and offers a fantastic range of funding and withdrawing options including bank, credit card, BitCoin, and their own pre-paid card which is highly recommended by me personally.

As Payza is growing and expanding its influence around the world with every passing week and is truly an international payment system, the administration takes some time to discuss the markets where Payza members are especially active. This week was the turn of Australia to be featured on their official blog. I myself am looking forward to traveling all over New Zealand this January, but Australia is also on my list of places to visit in the near future. That’s why I was curious to learn more about Australia from a business point of view, especially considering that next Tuesday sees possibly the biggest sale day of the year. This and other topics are covered in the following article putting Australia in the spotlight which can be read below:

Country Spotlight: Understanding Consumers and Cross-Border E-Commerce in Australia
Next Tuesday, November 15th is Click Frenzy 2016, Australia’s version of Cyber Monday, described as “the sale that stops a nation”. The event, which began in 2012, last year broke $200 million in sales, with Click Frenzy’s website receiving more than 1 million visitors on the 3rd Tuesday of the month.
Click Frenzy is one of several initiatives to boost the adoption of e-commerce in Australia, which some describe as “behind the curve”. Australian consumers, however, are the most likely population in the world to shop from overseas. Being geographically distant from other major centers of commerce, Australian consumers rely on cross-border merchants to supply the latest products. Case in point is Amazon’s announced intention to launch their Australian arm by September 2017. Now may be the right time to consider expanding your e-commerce operations to the land down under.
Unless otherwise noted, figures in this article are sourced from: The Paypers, PFS
Australian Consumers
Aside from China, Australia is the country with the largest population in Asia Pacific, boasting over 24 million people. The relatively young, urban, and connected people of Australia are well-accustomed to mobile devices and m-commerce, with a mobile penetration rate of 136%; more than half of mobile users taking part in m-commerce. Mobile e-commerce sales make up more than 16% of the total market.
As more than 90% of the population has access to the internet, 30% of Australian consumers spend more time shopping online than they do in stores and two-thirds of them buy from overseas. In terms of value, a Price Waterhouse Coopers report claims that e-commerce spending in 2016 will amount to roughly $4,500 per person; this is the highest in Asia Pacific and a significant increase from 2013 when Australian consumers spent an average of $2,802 each.
85% of Australians use payment cards, with Visa alone accounting for 45% of the total payments market. E-wallets are also a popular tool among Australian consumers, particularly in cross-border e-commerce.
Drivers and Barriers
Driver: Social Media
Just about every Australian under the age of 50 surfs the web using their mobile phone, and the more mobile the consumer base, the more likely they are to be influenced by social media. According to the Australian marketing firm Sensis, 20% of consumers use social media to research products and 58% of them go on to purchase the product researched; this enables small brands entering the market to achieve commercial success by leveraging social media.
Barrier: Brand Loyalty
Despite a relatively open marketplace, 90% of Australian consumers make purchases from no more than three brands in any given quarter, according to the CommBank Retail Insights 2015 report. This means that expanding into the Australian e-commerce market may be challenging in the early days as brands need to focus on increasing consumer confidence and trust. But businesses that hold up will reap rewards in the long run as loyal customers will support their preferred brands.
Driver: Forgiving Delivery Expectations
Being relatively isolated, Australian consumers have very lax delivery expectations. While it’s rare in other countries for consumers to be tolerant of delivery times longer than a week—many expect delivery within two days–in Australia, the majority of consumers expect products ordered online to take more than a week to arrive at their door. Additionally, the returns rate in Australia is very low at 3%, which is half the global average.
Barrier: Logistics
Australians are forgiving of long delivery times because it’s expensive to ship to Australia. In addition to oceans separating the country from the rest of the world, the urban centers within the country are separated by much larger distances than in most other countries. Even with a distribution center in Australia, shipping products can be a long and costly endeavor. Consumers are typically forgiving of these costs as well; free shipping is all but non-existent in the Australian e-commerce market.
Australian E-Commerce Facts
– The world’s most likely online consumer to buy from overseas.
– Cross-border e-commerce has grown by at least 16.4% per year since 2013.
– 36% of consumers expect cross-border shipments to take at least two weeks.
– The third Tuesday in November, Click Frenzy, is the country’s largest online shopping day.
– In 2015, 35% of all e-commerce transactions were made via mobile devices.
– The five most popular m-commerce product categories are games and apps (54%), fashion (49%), digital entertainment products (44%), entertainment tickets (43%) and travel (41%).
Recall that Australia, the second largest consumer population in Asia Pacific, is remarkable in the region because of its world-leading level of cross-border e-commerce. 80% of consumers made an online purchase in 2015, placing Australia in the top five highest e-commerce penetration levels globally. Given the rapidly growing population of urban consumers under the age of 30 making frequent, high-value online purchases, now is the time for retailers to offer their products to the Australian market.
Expanding into a new international market is a risky venture but can be very rewarding if done right. For the latest information about how you can build and maintain a strong e-commerce enterprise and keep it compatible with legislation and buying habits at home and abroad, subscribe to the Payza Blog; while you’re at it, consider following us on Facebook and Twitter for the latest industry news.


Here is the list of the programs from my monitor that paid me for the last 48 hours:
From MNO Sticky list: BeyondPetroleum.
From MNO Premium list: Zinc7, Capitaller, TrueBitArdexFundsBandeiraCorpForexBrothersEdelweiss5, RightRise, SoftmeetBit.
From MNO Standard list: PalUnionOceanInnovations.
From MNO Basic list: EarnTechHYIP-A, XaboDowerly, BigVenture5.

That’s all for tonight, guys. I’ll be taking Sunday off but will as always keep a close eye on the MNO monitor and will update it as frequently as needed. This appears one of the main features my site is appreciated for judging by the preliminary results of the poll currently running on the MNO TalkBack page. Over 65% of readers are highly satisfied with the accuracy of my monitor and statuses of the programs displayed on it. If you haven’t voted yet please do so here, as the final results will be drawn on Monday when I will replace it with a new question. Also on Monday I’ll have a more detailed look at Razzleton and all the latest news updates from the industry between now and then. Thanks a lot for reading and see you all next week!

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