Today I have an interview with Paul Sartori from URInvest. I think you’ll agree it’s quite an interesting one and Paul does seem to relish his role in the whole thing. I can honestly say that after nearly 12 weeks online, my own enthusiasim certainly hasn’t abated either. Before continuing however, I should point out that since my original review, published here, the terms of the investments on offer from URInvest have changed. While Paul clearly outlines the reasons why below, I would just like to remind you that the plans are now 4% to 4.24% paid daily for 30 business days, or else 150% to 160% paid on expiry after 30 calendar days. So without further ado, take it away Mr. Paul Sartori!

“1. Hi. Please introduce yourself to the readers. Do you have any experience with online investment programs?

Hello, thank you for inviting us for the interview. My name is Paul Sartori, I am financial advisor and a partner of Ultimate Ratio Investments LLC. I am representing and am responsible for our online financial venture URInvest. My personal experience with online investment programs from administrator’s point of view, is unique with URInvest, but I should say that for the past three months of managing the program, I have gained a lot of very specific skills, that are already in full use on a daily basis.

2. Tell us about how URInvest came about. How did you come up with the idea to start your own program?

While already being a partner at Ultimate Ratio Investments, I have been following other online programs relatively closely and even participated in some, for about 4 years. I felt that instead of simple descriptive company website, it should have been worth it, to take on more active role and actually offer managed accounts to investors world wide. Frankly, considering all known issues within so-called HYIP world, the more we learned about it, the tougher it was for our partnership to make the decision, but we finally did it and so far, it has been a complete success.

3. I was quite impressed with the investment plans available in URInvest. Can you please explain them in detail to my readers?

Considering that you requested this interview prior to our recent plan adjustments, I probably should explain the overall rational behind them and what is actually has been accomplished so far. We feel strongly that our currently offered plan is highly competitive, but realistic at the same time. The rational behind offering rather aggressive plans at venture’s inception, was in line with regular advertisement expenses. Simply put, the payouts that we already delivered to our users per our promotional plans and rates, are part of our advertisement expenditure. So, unlike most other programs, who spends exclusively on conventional advertisement methods, we figured that it might be a good idea (and unique at the same time) to start sharing that budget with our users directly. In turn, our users have gained more confidence in our program and, of course, shared it with investment community, creating more solid advertisement effect indirectly. With that said, I should point out that for smaller amount deposits the plan’s rate has not changed. Also, our main plan does not lock user’s money, because payouts include principal. Those users who are willing to stay with us longer, can easily re-deposit earned money, right from their account balance, instead of requesting a withdrawal. We also decided to keep longer our promotional “after 30 days” plan, with only slight reduction in maximum allowed deposit into it.

4. What payment processors are you currently accepting? Do you intend to expand this list anytime soon?

Perhaps, this answer cannot be considered as a direct one, but I’m sure you would agree that things around us evolve, change and require adaptation, per demands and to account for external risks dealing with electronic money. Let me put it this way: We currently have “the all stable LibertyReserve“, which is so far the best choice among investors. The second, really needed to all of us choice, seems to be the “perfect one”, the rising PerfectMoney.

We’ve also received quite a few deposits via V-Money, but while we see no problems with this payment processor, the user’s preference is clearly not there.

As you probably know, we have just recently became verified merchant with StrictPay, the unique features of which, add a lot of payment processing flexibility, in our opinion. The only drawback we get via feedback from users about StrictPay, is their website’s look, which we feel is secondary, because what is more important, is what is “inside”.

5. You’ve changed hosting providers a couple of times and even changed domain name as well. Tell us why you needed to do that.

We changed hosting provider once, very soon after opening the program. We found that our first host’s server environment was not secure enough and unfortunately, we even had one hacking accident right at the start. We now have DDoS protected hosting from DDoSWIZ and so far, we have been pleased with its service.

6. Tell us more about the security of URInvest. What script are you using? Are you on a dedicated server? What kind of anti-DDos protection do you have?

Quick answers are: 1. Advanced, licensed GoldCoders script. 2. LiteSpeed powered server 3. DDoSWIZ.COM managed, upgradable DdoS protection.

Now, let me expand a bit about the script answer, because I know some of your “expert” readers out there may start making fuss about GoldCoders. Bear with me for a moment here, please. We’ve made an informed decision to use GoldCoders, as in our opinion, NO other script on this planet has been used in the harsh “HYIP environment” as much, or even close to, as GoldCoders. The (wrongful) negativity picture of GoldCoders brand is most likely there from those administrators, who either used pirated versions, or some “fixed” ones (or, so they think). I can add that for the past two months, we’ve upgraded our script more then once, which means that GoldCoders is constantly receiving script usage feedback, therefore can regularly and effectively take care of reported vulnerabilities. In the right hosting environment (with basic server supporting software regularly patched), with all available script’s security features enabled, this script is nothing less but by far superior to any other “home made” product.

7. What are you doing to promote URInvest among potential investors? How are you advertising the program? Are existing members attracting many new spends?

First of all, being fully transparent program, we’ve created the “reviews” page on the website, where we already have rather big collection of external links, leading to various resources reporting about our program and we encourage website owners to submit their website links to us. In addition to our start-up promotional plans, which we discussed earlier, we also use conventional advertisement methods via investment related external websites, where we order banners, text ads and newsletters.

I am glad that you asked about user’s advertisement activity. Yes, while we cannot legally solicit for deposits, we feel double obligated in front of many of our users, who are finding their own ways of sharing their experience about our program. We are even considering to increase referral commissions for the work, that some users are volunteering to do. For instance, we never expected this, but based on our traffic tracking and analysis software, we see that a lot of our users have very successful recruiting rate from having their referral links rotated in various autosurf websites. I think this is a very smart move: people are earning some money in autosurfs, while at the same time advertising the investment programs of their choice.

8. After a couple of pretty good months online, are you satisfied with the progress of your program to date? Are you pleased with the support given by members so far?

I’ve mentioned it already in other interviews, but would gladly repeat it again and say that URInvest is, in a sense, our partnership’s internal investment project of it’s own. In other words, the launch of URInvest, all our advertisement spends, promotional plans and rates payouts, are all our own investment into the community. Today, I can easily say that this investment of ours, is no longer a risk. In other words, yes, this venture is by far a full success. This conclusion is based on all the support and expressed interest in the program, that we are getting from our dearest users.

9. How do you see URInvest developing between now and the end of January? Given that Christmas can be a slow period for many programs, are you confident about being online into 2009?

We feel very strongly that offered by our program plans, backed by solid investment strategies, are sustainable for an indefinite period of time. Our partners and fund managers have their own money invested in developed strategies (this is in fact a condition extended to every newly hired partner or manger), therefore we have direct interest of well being for the entire program.

About Christmas, it is is one of the greatest times of the year and just like everyone else, we are looking forward celebrating it with all the users. However, I will allow myself to make a correction in your statement about Christmas being “slow period”. This is not a slow period for a forward looking savvy investor, because it is the peak season for all kinds of sales, travel related business blossoming and a great time for various new business beginnings? In short, I would conservatively state that we do not expect anything “unexpected” for months ahead. I would rather suggest that we arrange another meeting and talk again some time early next year.

10. Tell us about your parent company, Ultimate Ratio Investments LLC. And tell us also about the programs own investment activities. What are you doing with investors’ money? How are you sustaining payouts?

Perhaps, just like any other established investment fund or venture capitalist firm does it, a few years back, we started our activity by investing in other selected funds, while closely studying their actual investment activity to the fullest possible extend. We’ve learned, what can be done, how this can be done and most importantly, how much money will it take to start each and any of our own investment projects in any given specific investment category. At some point, Ultimate Ratio Investments LLC was formed and strategically registered in the offshore zone, as an asset protection vehicle, serving as the nominee company for the offices of our partners, physically located in the countries of their primary investment activity. We operate with great deal of various investment products, but not all of them (such as real estate, for instance) are currently directly associated with URInvest, due to the terms and amounts of money restrictions involved.

Our favourite profit creation approach, to no surprise, is fast sale deals, which involve finding and bringing together buyers and sellers, followed by the fee based transaction mediation on our part. These kinds of deals, if available in quantities, often allow “recycling” of the “same money” more than once, for higher profit outcomes.

11. So why do you think URInvest is better than any other HYIP out there? What makes your one so special?

Probably, a more valid and objective answer to this question would be given by an independent third party, simply because from my personal prospective, our “own baby is always the best”. I also cannot really judge any other program, because it will require detailed knowledge of their operational strategies, which is normally not a subject for public disclosure, being a part of proprietary corporate intellectual property.

12. Is there anything else you would like to add? Is there anything else you would like to say to encourage potential investors into URInvest?

From our program’s prospective, we are exceedingly happy with the fact, that so many investors are making URInvest being a part of their investment portfolio. However, being realistic by nature, I would suggest investors to make their own judgements of different investment projects and to diversify.

If I may, I would also like to take this chance and to reach out to other investment project organizers, who, perhaps, do not have proven and stable investment ideas, readily available to them, and to consider URinvest being part of their investment strategy. I feel that our highly flexible payout terms and offered yields may serve extremely well not only to the individual investors, but to other pooled funds.

13. What is your honest opinion of my blog? Do yo think its a useful resource for investors? Do you think it could be improved in anyway?

I think that Money-News-Online.com is one of the few “MUST READ” resources. Even though it is mostly an opinion of one, it is no doubt an opinion of great essence. The one, that gives a good overall picture of an entire alternative investments area, just after reading of few reviews. It makes people think in the right direction and quickly form their own opinion, as well as (through the time) to start “seeing important messages between lines”.

On improvement part, If I may, it probably would be better for both, investors and program managers, if there would be less of an explicit negativity towards some of the reviewed programs. I think it is important, because considering blog’s strong popularity, this may create unnecessary, otherwise avoidable problems for some of the reviewed programs. As you know better then me, some programs are built on cash flow models, which by definition, have a lot lower threshold of withstanding publicly displayed negativity.

This was, of course, just an opinion (of another ONE) and I am sure you know better when it comes to reviews.

I sincerely wish your readers and you personally all the best and I wanted to thank you once again for inviting me to this interview.”

Well there you have it folks. Rarely have I seen such clarity of vision from an admin. He certainly knows what he wants to say and makes himself understood with perfect clarity. If only a few more were like him. Anyway, I think now that everything is coming into place for URInvest to establish a well organised and stable program that we can all share in. They have proven themselves over the last couple of months, and I see no reason why it cannot continue as such. Thanks again to Paul and thanks to you guys for reading. Stay tuned and see you again tomorrow for more news and views from the industry!

Today I have another program to be reviewed. This time it’s BestFXWorld which has been running without any major hassles for 5 weeks now. Let’s analyze the main features the site has and see if it’s worth investing.

First let’s talk about the investment plan. There’s only one plan offered by BestFXWorld and it’s 1.9% for 89 days (169.1% total ROI). The minimum to invest is only $10 and you can invest using a variety of payment processors such as LibertyReserve, V-Money, AlertPay, PerfectMoney, c-Gold and Pecunix. If your investment exceeds $500 your profit will be 2.3% daily (204.7% total profit for 89 days), if your deposit is more than $5,000 you will get 2.6% daily (231.4% after 89 days) and if it’s more than $20K the rate of interest will be 3% daily for 89 days (267% total ROI). The principal is included in daily payments and it will not be returned. Usually the payments are processed quite fast and mine never exceeded 24 hours after requesting a payment.

BestFXWorld is based on a licensed HyipManager script so it should be familiar to you if you’re an experienced HYIP investor. Every feature is as usual: you make a deposit, it is credited to your account instantly, then after 24 hours you’re able to withdraw your first profits.

BestFXWorld has a very good DDoS-protected website on BlockDos servers. I noticed that they had several mirror sites which are currently inactive. I’m not sure what the problem is but hopefully the admin will look into this and the mirror sites will be available again soon.

BestFXWorld site has also a very professional design by NetColor which certainly adds credibility in the eyes of the potential investors. The identity of the owner Pehipol Antonio Cajugao is insured by Comodo for up to $250,000. The site has also used SSL for secure transactions.

I don’t like the fact that the texts on BestFXWorld website were stolen from this site and also from the Olympex-Group website. I believe that the admin had to explain it in his own words to make us believe that they are really trading on Forex. So we can question their ability to trade at all and doubt this statement published on their website: “Stable and real daily profit from REAL trading”. I’m not sure that they are a legal registered company either because I couldn’t find any info on their website confirming it. I would like to ask the admin about this in my interview and we will see if he agrees to answer some tough questions. Not many can bear Money-News’s big mouth but I hope the admin of BestFXWorld will be able for it.

All in all I would consider BestFXWorld as a well-organized investment game and would like to mention that I like many features it offers. The admin is quite active on forums and I believe he can run it for a long time. Of course, you should participate in it wisely and don’t spend money you can’t afford to lose.

Other news for today.

The newest addition to my autosurfing list is TrafficAlmighty. There was quite a buzz around it when it first opened a week ago. Now the program has more than 1000 members and continues to grow at a good rate. TrafficAlmighty will pay you 13% for 11 days for surfing 25 sites in an automatic regime with the payouts made on expiry. The minimum to invest via LibertyReserve, SolidTrustPay and AlertPay is $3. Each AdCluster will cost you $1 and you should first deposit into your balance and then upgrade. The script used is absolutely the same as Roger’s from AggeroInvestment. As you know that script is quite secure and proven and the server is dedicated. In my opinion we can expect some great things from such an experinced admin as Tysin. His previous programs are FairPlayInvesting that ended after 6 weeks in May 2006 and EverlastingNine (he ran it back into 2006 and it finished after three months of enormous success at the end of that year). I talked with him on Skype for a while yesterday and he assured me that he has a good plan in mind so this time his new program will last for much longer. He’s planning to open a whole network of websites with outside income sources that will help him sustain payouts to TrafficAlmighty members which are quite high (141% after 11 days). But of course as with all such programs the first to join TrafficAlmighty will see the most benefit. I will investigate the program further and will deliver the review pretty soon. Meanwhile, here is the latest reminder-update from the admin Tysin:
“A quick note to remind everyone that after depositing money in your TrafficAlmighty account you need to click on PURCHASE ADCLUSTERS to get the 13% compensation everyday on your AdClusters. We see that there are a few members who just deposited money and left it there in their account balance, thinking that they will earn the 13% from surfing. You need to make sure you used the money you deposited to buy AdClusters.
Please, if you have not purchased any AdClusters, do so now so you can start earning the 13% on them. Do not worry if you surfed for today already cause you will still be credited. Our script works this way.
Welcome to all new members. We are officially over 1000 members and are continuing to grow at a good and steady pace.
Stay tuned this week for new additions to TrafficAlmighty which should provide good fun for everyone.”

Some good news came from the admin of FastProfitSurf Paul (read my interview with him here). The thing is FastProfitSurf used to accept many different payment processors but not SolidTrustPay. Well this has been corrected, and as of yesterday STP deposits are accepted in FastProfitSurf:
“After many requests from members I’ve decided to add STP as payment option too. So now it’s available and you can use it too for upgrades. Please enjoy it!!
Also don’t forget that this weekend we’ll launch another contest so standby to find out about it.”
All in all, FastProfitSurf is doing well and the admin is paying on time (within 24 hours after going to pending status). One thing he was going to emphasize though is that sometimes you can be paid to different payment processor and here is why:
“Because members are allowed to upgrade on multiple payment processors, sometimes it’s hard for me to realize when I’m doing the payouts on which payment processor that upgrade has been made. Because of this, it might happen some members to be paid on other payment processor than the upgrade one. And with so many members and payouts I’m sure you can understand me.
So please, before writing emails that you haven’t been paid, check first all your payment processors used for upgrades. All payments has been done now, as usual. I apologize if some of you got the payment on another payment processor than the one used for your upgrade and I hope you can understand that I’m only human and all payments are done manually. Thank you for your understanding.”

Frogress is also going great and the admin Jake (read my interview with him here) is simply amazing. All my issues were solved and questions were answered within hours. He’s really working hard to make Frogress the best autosurf program. And he’s managing it quite well that’s why the growth Frogress is having now is simply amazing – about 3,000 members already. Today another great service has been launched within the program – now you can exchange your e-currencies for competitive rates and if you have AP and need LR for example it can be easily done within the your Member’s area. The minimum to exchange is $10 and the maximum is $300. For bigger exchangers you should contact Jake. I have made a couple exchangers with Jake myself already and they were very fast so I can recommend this service to you, guys. Anyway, another newsletter from Frogress came into our mailboxes today and here are the most important excerpts from it:
“Froggie here just bringing you some updates and some news from the frog’s desk today.
Frogress is now 23 days old today. Frogress started back last October 27, 2008 and it has been growing eversince. Frogress currently has 2810 members and counting by the minute.
Froggie members enjoy the quick payouts that froggie has been doing since day 1. Support tickets are also answered by froggie in a quick manner. You can ask members who tried contacting the froggie about this and see what they say. Some say they received payouts and replies within seconds and they are not kidding. Froggie is proud of it.
Another great news from froggie is that Frogress now has an exchange service. Even though some transaction directions are not yet available, like all orders for LibertyReserve and StrictPay. But we are now accepting order From LibertyReserve and StrictPay to either SolidTrustPay or AlertPay. We have good rate fees for the exchanges. Some members already tried it and they were impressed by the speed of processing that only happened at the Froggie Kingdom. See the exchange page at the link below. You must be logged in to your account in order to transact.
Now regarding the referral contest promotions that Froggie had on Frogress. The winners have already been contacted by the Froggie and some already got their prizes and we are waiting for the replies of the other winners so they can send froggie the information he requested.
Watch out for new promotions and contest at Frogress.
Froggie asks everyone to please vote / rate at the monitors page.
You will be very happy froggies for being part of Frogress because payouts are fast and the program is doing super duper great. If you just signed up and did not upgrade your account yet. Now is the time to do so. It has never been a better time to upgrade your account than today.
Many are benefiting already and you should not let the opportunity just pass you by. Upgrade your accounts now.”

Speaking about exchangers please be careful, guys. The infamous scammer Michael from MegaLido is sending suspicious requests to members and is asking to make an exchange to help his program out. Please beware of these emails and don’t send any money unless you want to be scammed. Here’s one such suspicious email received by some of my readers yesterday:
“I am sorry if I haven’t updated you in quite awhile. I am trying to pay all pending payouts but I am having issues with my AlertPay account due to someone who had reported MegaLido. This had caused our funds to be stucked with AlertPay. I am trying to fund another AlertPay account to pay you guys. If anyone can help me fund my AlertPay I can give 5% more in either STP or SP. Please PM me in the forum if you can help make MegaLido continue payouts soon. Thank you all for being so patient!”

By the way, MegaLido is 100% dead and even though the admin is still publishing ridiculous updates on the site. I wouldn’t hold my breath about everybody getting paid eventually. Anyway, for those who don’t know about the newly cooked update from Michael published on MegaLido website here it is:
“Dear members, There has been a lot of speculation about the program and I’m sorry I haven’t been communicating properly but things are really busy on my side. MegaLido is NOT on hold and we are not going anywhere, a lot of members are spreading panic on forums and newsletters and that is really ungrateful from you, we are not a cheap site that is going to run away with your money, that is not what I came here for.
It really made me sad to see the bunch of negative messages about my work with MegaLido, I cannot go to forums now where several people are just shouting scam for us. Now I am afraid MegaLido will not be able to recover 100% of its power very soon but I have a very good sense of business and things will change, it may be very soon but it may take awhile, it was not me who complained to payment processors and decided to slow the entire process.
I have already sent the necessary documents for AlertPay and hopefully we will have our account back very soon. I want you to understand one thing, you joined the right program and you will benefit from it, most of you already made a nice profit but we all want more, so please stick with us, I’m doing everything I can in order to maintain this program.
MegaLido is now closed for new members are no new deposits will be accepted until we solve the entire situation. I’m working really hard and I hope things will be solved soon. I really appreciate the ones who understand our situation and stick with us.”
I will not comment on this nonsense. But I would like to give you some food for thought.
1) If an AlertPay account was blocked what is preventing Michael from paying to SolidTrustPay and StrictPay accounts even 4% daily?
2) Why are all the pendings automatically returned as part of a new investment?
3) Why is Michael not on forums to answer all the members’ concerns and why doesn’t he answer members’ emails? What support can he talk about after all he’s done to destroy MegaLido? In my honest opinion, he doesn’t deserve our support though his program was quite successful. Actions speak louder than words and MegaLido’s words have lost all value a long time ago.

A new Freedom plan offering 12% for 14 days with 168% payout on expiry that was launched by the admin of SurfExchange (read my interview with him here) got many people reinvesting their profits. I have also made an investment today as it was very tempting and enticing. Really SurfExchange is going very smooth and the admin is very proactive online. Here is the latest update from him:
“I am proud to inform you that our new Freedom plan has been attracting commendation from length and breath of this industry. Many have associated with it and many more are rushing in to grab their share of the cake. If you have not bought in then you are missing a great deal because we just have few more days to call this promo a close.
Definitely, we will not exceed 7 days net. We just wanted to say a big thank you and also give you the opportunity to make more money. Your membership here has been of immense value to us and the entire membership of this site.
Thank you for making SurfExchange work.
Some few SolidTrustPay cashout request is pending because STP site is down at the moment and we can not access their site.
As soon as site is up again, we will proceed with payment. It has been very exciting this week because investment has toppled our expectation. Anyway, it is you time to make more money.
All AlertPay, StrictPay, and LibertyReserve payments have been completed except for some few accounts with wrong payment id. If your account id for payment is not correct, please send us your correct payment id and SurfExchange members id and we will update your account.
Some people added email address on their StrictPay account. some did not add anything at all. Those people might file wrong complains not knowing they are at fault.
Anyway, we are progressing smoothly. See you on the other side of success.”

GigaLido autosurf has successfully moved to the new BlockDos servers and is finally enjoying smooth and fast surfing without all the interruptions they experienced on their previous hosting. Here is the latest update from the admin of GigaLido Denise (read my review of the program here):
“The GigaLido website is now up on our new server – BlockDos. You will see on the left the BlockDos logo. If you see this logo, then you are on our new sever.
Due to our move to another server, we granted a surf holiday for all members for November 16 & 17! That means, you have earned on those days without surfing!
I try to be online as much as I can on Yahoo IM ID: gigalido for support for all members. Please feel free to add me to your Yahoo account. I am on Yahoo only for GigaLido existing and new members support and not for monitor or ad sites. If you cant get me on Yahoo IM, please send a support ticket through your account and I will answer it as soon as I can.
GigaLido is growing at a great rate and thank you to all members promoting GigaLido, our first referral contest is looking very exciting!”

8DailyForever site is not available at the moment as they are still struggling with their server update issues. It appears the downtime took longer than was originally planned and now here’s what you can see instead of the website: “8DF members and guests, please excuse us while our server host works to resolve our site issues. Meanwhile, please visit our blog for our most recent updates.” I think we really shouldn’t be worried too much regarding this issue as 8DailyForever has been paying since May 2008 and I don’t think the admin will pull the plug now, when the program is so extremely successful. Anyway, here’s the latest from the admin Susan:
“Here’s the latest news “straight from the horses mouth”! I was just speaking with the BlockDos admin and he feels the techs have found the problem. They are now recompiling the php.
It seems that what has happened is that our new server is recoverting back to the old server. (This can be seen when we bring up the SpeedLite message which was on the old server.) They are as confused by this as I am!!
They will be working on this for the next 6 hours, and if they cannot resolve the issue within that timeframe, they will return us to the old server until another one can be ordered.
Again, this is probably oversimplified, but it’s the best non-tech way I can explain it !
Please keep the faith everyone. Surf holidays will be given again if we cannot surf today.
Also please understand that until I can access the admin database, no manual upgrades or payouts can be made. We apologise for that, but again, it’s completely out of our hands. Do relax, and enjoy another surf holiday.”

The admin of ResidualForexIncome (read my interview with him here) came out last night with the latest update that was devoted to their 3 months online. In his long update he also touched the topic of the recent scam MegaLido and advised to invest in low-ROI programs instead. As you know ResidualForexIncome has a good track record on my blog and I can highly recommend this program as part of diversifying your investment portfolio. Here is the newsletter from the admin where you can find out some reasons why you should choose ResidualForexIncome:
“We are proud to announce that ResidualForexIncome has been running for 3 months online already! This is not a very long period but we hope each of you fully realizes that time really matters in online investment industry. And the fact that we have been able to run a successful program online is the best proof of our stability and serious intentions.
1. We were able to cope with fake abusers and ddos attacks.
2. We did everything possible to make RFI certified and verified not only by GOBC community by also mainly by those who decided to go through verification procedure.
3. We are paying and supporting our members despite the circumstances of the world financial and economic crisis.
4. We rely on the word of mouth in our advertising campaign and have 100% clear records. That is why we have so many people referred by their friends, colleagues and relatives.
5. The main RFI motto is “Not to be the most popular but the most stable and reliable” on the market. And it seems we are making these words come true.
Over the past time a lot of people learnt from their sad experience with a number of programs which are now gone. Unpleasant to say but this number is rapidly growing. Needless to say about the recent downfall of MegaLido. As the logical conclusion we highly recommend all our members not to lose common sense when investing in popular high return matrix.
If you have any problems or questions regarding RFI please feel free to contact us anytime. We will be glad to guide and assist you.
We are happy to see you among our members and will always do our best to make our cooperation safe, stable and reliable. Stay tuned!
P.S. And do not forget that we have 20 days free membership time limit. We want to have interested people here at RFI only. That is why if you have no interest or desire in our service please let us know and your account will be closed in order not to bother you with newsletters and updates.”

LargeSum is one of the longest-lasting programs online and survived every possible cataclysm the industry could throw at them for their almost 3 years online. LargeSum is certainly one of the few programs that is highly recommended by my blog even despite its quite high minimum of $150 to invest. Further information regarding LargeSum can be read in my review published here or the interview which you can read here. The only main change regarding the plans was made today and it concerns only high-class investors that trust LargeSum so much that they are ready to invest $50K into it and more:
“Dear investors and partners! We are happy to introduce the new investment plan at your attention. The On-Wire FLY is meant both for bank wire transfers and LibertyReserve. It is meantime the only program of 4 offered that can be funded via BankWire. To wire the deposit funds to the new plan you need to register and choose the Bank Account option in the registration field, hence afterwards, fill the required details in and after that you may proceed with depositing funds via BankWire. The details of the On-Wire FLY plan and the investment terms can be found on the INVESTMENT PROGRAMS page. For advice or consultation, please contact the Support Service.”

MajorBarter program is still paying instantly to my LibertyReserve account (program reviewed here). Meanwhile, yesterday it discontinued the use of AlertPay and the admin made the following announcement regarding this:
“Our company has removed AlertPay from its list and we won’t work with this anymore. The users, who have deposited through AlertPay, your pending request has reversed to your balance. Please change it to LibertyReserve after receiving their profits without any fee, and then settle it in your LibertyReserve account”.
I feel the AlertPay issues MajorBarter experienced has something to do with the fact that you can’t actually withdraw from it unless you have a verified account. Considering the fact that they are not real traders I would expect it to happen sooner or later, so it’s not a real surprise for me.

InoFund (read my review here) - one of the most successful HYI programs now – recently started a more aggressive advertising campaign aimed at the members wanting to earn more referral commissions for recruiting new members. So now InoFund set another record in HYIP the industry by setting the ref commission to a stunning 13% for the first level, and 5% for the second level. Let me assure you it will certainly contribute into InoFund’s success:
“Given the high popularity and a very active work of our affiliate InoFund Inc multilevel program, by the leadership of the company, it was decided to increase the commission to all our partners at 3%, and now everyone working with the company InoFund Inc gets 13% return on deposits, as well as you please hurry - we have decided a second multi level which earn additional 5%!
All this was done in order to provide more opportunities for earnings in our company, hope you enjoy positive news more and more hope for lasting and productive cooperation!”

Unfortunately not all the news was positive for the last few days. Possibly the first sign of the upcoming Christmas slowdown came from BrilloTrade which turned into a scam all of a sudden and even before the first payments from the 7 day plan were completed. Well, it was especially surprising for me if you consider that they spent quite a lot on developing the site, advertising and buying a top-notch DDoS-protection. I gave them the benefit of a doubt yesterday by putting them to “Waiting” status on my monitoring page. But enough is enough and I’m moving BrilloTrade to “Not Paying” status today. I wonder what happened that made them scam so fast because they were quite sure they would last. They bought the banners on my blog for a month and even asked if I would interview them here a couple of days ago which I haven’t received for obvious reasons. Let me tell you that it’s only the beginning of a very dangerous Christmas period when many programs will fail and only the strongest survive. Anyway, this would be a good test for survival for many programs as we will see which of them will go into 2009 without losses. That period has possibly started already with MegaLido’s downfall, and now continues with BrilloTrade’s fast scam and many more to come soon. I may be mistaken though but it all starts when people are trying to withdraw their money from ponzies to buy Christmas presents and enjoy their holidays.

Despite TopProfitWorld finally coming back online after such a struggle with their hosting provider, it’s ability to pay the members has been afected as the payouts have not been processed yet. I’m waiting for mine for more than 24 hours so I have no choice but to move TopProfitWorld to Not Paying status on my monitoring page. I will change the status if the payouts are resumed soon.

Sometimes pleasant surprises also happen in the HYIP world. FXOIC seems to be back online after 3 days of downtime and since the database was corrupted you may not find your account in the new system. So the admin asked me to re-register today and he credited my missing deposit. For now I will leave FXOIC on Waiting status before the payouts are actually resumed and I get mine.

I joined Mountain-Mining program a couple of days ago and already got paid a couple of times. Mountain-Mining has been online for almost a month and has proven to be a good investment choice. On the website they stated that Mountain-Mining is incorporated in Tanzania and investing in in Gold, Nickel and Uranium production, mostly in Tanzania itself. The investment plans are: 2.5%-3.5% for 40 business days, 140% after 14 business days or 20%-25% weekly for 8 weeks. The principal is included and is not returned at the end of your investment period. I’m going to review Mountain-Mining program later this week and now I just wanted to let you know that the program is paying.

That’s all the news for today, guys! Just wanted to let you know about the programs that paid for the last two days: Frogress, FastProfitSurf, EasyCash24, W-MTFund, ResidualForexIncome, NoRiskInvestment, Commoditex, BestFXWorld, AggeroInvestment, InoFund, MajorBarter, MaxShare, Olympex-Group, Tradelite, GoldNuggetInvest, GigaLido, WSSavior, LargeSum, Youmilex, DailyProfitPond, HermisCapital, MutualForexFund, SafeAtom, 8DailyForever, URInvest, PanaMoney, StabilitySurf, ANOI and Mountain-Mining (the first payouts have been received). See you tomorrow, guys!

Today I’m giving you an interview with the admin of quite an interesting which I included to my Top Recommended list immediately after joining. I’m talking about W-MTFund which is paying weekly variable rates to the investors and has been online for more than a month now. The admin was currently very busy and I received this interview just 8 days after I have sent it so I would say it was a long-anticipated one. Anyway, W-MTFund looks really interesting and surely is different from many other HYIPs. You could draw this conclusion from my review of W-MTFund that was published here. Today I will give a word to the admin and let him tell us about the history of his program and their plans for the future. Hopefully the interview will be useful for all recent and future investors of W-MTFund.

“1. Hi. Please introduce yourself and your program and tell us all about your own involvement with W-MTFund. What about the name? What does that mean?

Hello Paul, my name is William Rivas, I am the CEO of W-MTFund and a Founding Member of MT Ltd., the offshore company behind our program. My job is to take all the fundamental decisions for the W-MTFund development, from the advertising strategy to the managenent of the financial flows and the business relationship with MT Ltd.

“W-MT” means “Weekly Multi-Trade”. So, the name “W-MTFund” indicates that this project is the online platform of MT Ltd., a company which trades on a weekly basis, applying the extreme business diversification that we describe on our website as “Dynamic multi-trade strategy”.

2. Why do you start W-MTFund? When did you start W-MTFund? Are there others involved?

First of all let me explain why we founded MT Ltd.

I take part in a group of 12 European traders which, in 2003, decided to incorporate an offshore company in Nassau with two specific purposes: save on taxes and develop an investment strategy in new business fields, alternative to stock market, independent of the global economy trends. This way we would have realized high profits and would have been out of the global economic crisis, which were already predictable. We were right and we have had success.

That said, W-MTFund is intended to become the biggest “collective investor” of MT Ltd.

To simplify matters, one can say that W-MTFund collects new capitals from thousand of small investors scattered on the Internet and then acts as a big investor, who entrusts money to a highly qualified trader: MT LTd.

Therefore, W-MTFund is not directly involved in investment activity: it is an entity with wide autonomy, which is responsible for all the activities concerning the capital collection and the website management. For this purpose, out team is composed of 8 experts.

Please, bear in mind that W-MTFund started on March 2008, as private online platform for our VIP (off-line) investors: about 255 VIP investors joined this project. Then, on October 13th we opened to the public offering very low threshold: from $5 to $8.000.

3. How is your program different from the rest of the HYIP programs?

Weekly Payouts, Variability and Stability: those are the key-words.

We are clearly different since we are the only program which offers plans with weekly variable interest rates and manages a variable referral commission. W-MTFund is probably the only program where the investors don’t have to be scared about changes, because “variability” is the means to obtain the “stability” and to protect their investments.

Interest and refcom fluctuations depend on the weekly trade results, but also on general and particular conditions of the online market, on our promotional strategy, etc.. As regards the payments, we believe that the “week” is objectively the shorter payment cycle for any investment program backed by a real business.

How could we offer “fixed” interest, since we cannot predict the future trend of our profits? We should close after a few negative weeks. How could we offer “daily” interest, since an international bank wire, e.g. to buy/sell e-currency, takes at least 3-5 business days to be completed?

4. Tell us in detail about the investment plans offered by W-MTFund.

Well, our investment plans and ROI are explained in details in our website.

As you already know we only offers plans with weekly variable interest rates: so the first interest will be credited to the member’s account exactly in 7 days after the deposit. Then the investor will be able to ask for the withdrawal. All the withdrawal requests are paid three times a week: on Tuesdays, Thursdays and Saturdays.

Our basic plan is “W-MT Basic”: the minimum to invest is $5 and the maximum is $2.000. The weekly rate of interest is fluctuating between 5% and 21% weekly. Then, there are modifications of this plan which depend on the amount and which give the weekly interest of MT Basic plus a bonus: MT Standard (min. $2.001 - max. $4.000; MT Basic rate + 0.5%), MT Silver (min. $4.001 - max. $6.000; MT Basic rate + 1%) and MT Gold (min. $6.001 - max. $8.000; MT Basic rate + 2%).

As you can notice, there is a minimum weekly rate (5% for MT Basic, 5.5% for MT Standard, 6 for MT Silver and 7 for MT Gold) that we guarantee through our “reserve fund”.

The investment duration is 26 weeks. Every investors can witdhraw their principal after 26 weeks (no fee) or before the investment period expires (12% fee and paid profits will be deducted).

5. What are the risks with your program? What is your backup plan if something went wrong with your program?

After the bankruptcy of Lehman Brothers no one can say that an investment without risk really exists. I can only confirm that MT Ltd. is intended to resist to the heaviest economic crises and that W-MTFund has been projected to ensure the investors a stability without precedents among the high yield investment programs. If anything went wrong we could simply lower the weekly interest rate up to 5% for MT Basic. In addition, subscribing our user agreement, our clients authorize us to go below 5% in a few extraordinary cases: e.g. a heavy and continuous DDoS attack or a serious outage of LibertyReserve. Besides, we are completely free to change the referral commissions in a range from 2% to 12%.

6. Is your company officially registered? If you are registered, can you provide any document and track record?

Yes, MT Ltd. was registered in Nassau (Bahamas) in 2003.

We can provide documents and tracking records according to our Privacy Policy (User Agreement § 8.3). Our Privacy Policy has the purpose to prevent anyone acting in bad faith from filing specious complaints to public authorities, that way endangering our company and the investors’ money. We believe that in the online market, which is non regulated, a simple “Non Disclosure” agreement is completely inadequate. We must verify the identity of the applicant before disclosing our documents.

7. Can you tell us how you are re-investing investors’ money? How are you generating the money to pay the dividends? How are you able to pay investors with consistent high payouts?

How I have specified before, W-MTFund is not directly involved in investment activity. MT Ltd. is our “trader” and its activities are accurately described in our website.

MT Ltd. is mainly operating in forex trading, sports arbitrage betting, high-tech commodities and in a particular niche of the real estate sector (prefabs). Those business fields are alternative to stock market and ensure high yields independent of global economy trends. Even, in a period of economic crisis, the profitability of these markets could increase.

Certainly many traders work in these fields, but it is evident that our “know-how” makes a difference. As regards Forex and sports arbitrage betting, our traders make use of the most advanced software. In the hi-tech and real estate fields, we can count on a consolidated and exclusive trade network. The fiscal benefits of the offshore jurisdiction are added to that.

8. Please tell us how you protect your site from DDOS attack as well as other security issues. Specifically what script, server and anti-hacking measures you are using.

Paul, in my opinion, the first security measure is not to disclose any detail about this subject. Of course our website is hosted on a dedicated server and we are supplied with all the suitable protection tools. Also, we proceeded from the “engine” of a commercial script in order to develop, with the consent of the producer, a completely customized script: it is working smoothly and our programmer made the right choice.

9. What about the payment processors you are accepting at the moment? Will you be adding more at some point in the near future?

We accept LibertyReserve and PerfectMoney. At present, we are not planning to add more payment processors.

10. What kind of customer support do you offer? How do you manage the work of your support services? Do you have a contact phone number and physical office?

We manage an advanced email support: every email sent to our main address (admin@w-mtfund.com) is automatically classified and sorted by sender, object and content. In the meantime our autoresponders supply the information about the time of reply or about the procedure concerning special types of requests. This is a simple but very effective method.

The investors can also contact us via support form, fax (242-502-8741 or 206-222-2337) or Live support. While the email and fax support is active everyday 24/24, our Live support (available only for members after they have logged into their accounts) is usually active from 10:00 pm to 4:00 am GMT.

We are planning to activate, if needed, a phone support for members investing in MT Silver and MT Gold.

Yes, we have a physical office in Nassau. This is the place where all our financial flows converge in order to take advantage of the fiscal benefits of the offshore jurisdiction, where we call our quarterly meeting and we pay our dividends. But we mainly operate online from our Countries of origin.

11. How do you view the development of W-MTFund to date? What about the future of the program? Which is tour advertising strategy? How do you plan to make your program stable for a long time?

W-MTFund opened to the public on October 13th and I am very satisfied with the developement of the project so far. Investors have immediately understood the advantages and the potentialities of our program and have started supporting us from the beginning. This is really exciting: thanks to all of you!

About our advertising campaign, the first month has been dedicated to the “big public”. This month we will mostly concentrate on “quality”. Since the whole hyip market and its advertising system is targeted at programs paying fixed interest on a daily basis, our advertising campaign will be constantly adapted in order to achieve the right balance between quality and quantity, a steady and balanced growth.

Also, due to the success of our first contest “W-MT LEAGUE”, we will keep on giving a part of our advertising budget directly to our members, through the organization of new contests and other initiatives. I personally consider that the “word of mouth” advertising is the most powerful system to promote a first-rate program as W-MTFund, based on weekly payouts, and I am convinced that investors have to be rewarded for their promotional activity.

As for the immediate future, I can reasonably expect that W-MTFund will have a moment of especially intense development on January 2009, when investors will see that we are online as always after the Christmas holidays. I can announce that during the holidays MT Ltd. will stop for about 10 days and that, therefore, W-MTFund will have to fix the interest rate to the minimum. However, the referral commission will be very high and enticing.

12. If you have the opportunity to say anything you like to my readers about your program and why they will benefit by joining, what would it be?

Just thanks for reading this long interview. I believe that now your readers have many elements to decide.

13. Tell me your honest opinion of money-news-online.com. Do you think it is a worthwhile project for those involved in online investing?

Paul, your blog has become an indispensable guide for every online investor and you deserve this success.”

As you can see from the interview W-MTFund administration showed us that they definitely have clear and concise plans for the future and make everything possible to become a popular online program. There are some things that certainly look good on their website and allow us to believe that W-MTFund can be a very stable program in the long run. And maybe that’s the program that we all were looking for? Anyway, take a closer look at W-MTFund, read my review and interview carefully and you will be surely enticing to try this program out. I’ll see you on my blog tomorrow, guys!

Today I’m reviewing EasyCash24 – a program that I joined a week ago so it was properly tested before being introduced to you. I’m glad to report that I received my payouts from it today and successfully reinvested.

EasyCash24 is the sort of program that will never bother you too much with requesting daily withdrawals. The withdrawals will simply be sent to your LibertyReserve or PerfectMoney accounts whenever you’re due to be paid (daily or on expiry). EasyCash24 offers you four investment plans that can satisfy all your needs as an investor. All the plans can be divided into two categories: paying daily and paying on expiration. Let’s take a closer look at them.

Daily plans:

1) Test plan is intended for smaller investors as the minimum is quite low and is only $15. According to this plan you will be paid 3% daily for 6 business days (Mon-Fri) and you will receive your last profit payment and principal back on the 6th business day. The pure from profit will be 118% (18% + principal back).

2) Want More plan is for those who prefer daily payments and are willing to risk their money for a longer term. So if you decide to invest into this plan you will be getting 6.25% daily for 16 business days (Mon-Fri) and you will receive your last payout and principal back on the 16th business day. The profit from Want More plan will be a stunning 200% (including principal return). The only disadvantage to this plan is the minimum investment allowed is set to quite a high $150.

On expiry plans:

1) Pound plan is the equivalent of Test plan but unlike that you will be paid 130% after 6 business days (including principal). The minimum to invest in Pound plan is $35.

2) Answer plan is only suitable for larger investors willing to risk $500 or more and the minimum is set-up very high. It’s the riskiest plan of all but the reward for taking the risk can be a stunning 230% after 16 business days (principal included).

To tell you the truth my personal favorites are Test and Pound plans that offer quite reasonable returns within a short term period (6 business days). The convenience of direct payouts enables you to enjoy your profits without looking at your account on a daily basis. Since the database of EasyCash24 program is offline you can be sure that it will not fall victim to hackers.

After making an investment you will receive a confirmation email from the admin within 24 hours but your deposit starts to work immediately after making a LR or PM transaction.

EasyCash24 is hosted on a dedicated server by LiquidWeb and possible DDoS-attacks shouldn’t worry us too much because the site has an offline database and only allows you to make direct deposits (don’t forget to specify your email address for every transaction btw!) and direct withdrawals which certainly eliminates some risk.

Regarding the income sources for the program the admin of EasyCash24 claims that he has a team of 7 professional traders whose photos you can see on the “About Us” page. The program claims to be a registered entity in the Seychelles but I can’t confirm the authenticity of this info. I’m hoping to get in touch with the admin soon and conduct an interview that will probably shed some light on the program’s income sources. Until then just treat it as a regular HYIP which certainly has everything to attract many investors soon!

Other news for today.

This is hopefully my last rant about MegaLido because it’s certainly as dead as dodo. Some of my readers displayed some displeasure of how I treated MegaLido despite its apparent fight for survival. In my opinion, the latest update from Michael sent to the members two days ago is nothing more that an attempt to buy some time in order to withdraw money from different payment processors. Let’s analyze his latest update for better a understanding:
“Dear members, I understand you are very worried about the program and I apologize it took me a little time to let you know about the situation. I asked you to calm down and wait but that clearly didn’t work, the server switch caused several database errors and we had to take care of everything, everything is now ready and the big changes will now appear on the website.”
Ok, it took Michael 72 hours instead of the promised 24 during which he didn’t do anything to calm down the members or stop the speculation about the demise of the program that were circulating quite heavily on the forums and investment communities online. Even the supportive members like me started to ask themselves why we were treated like this.
“The big changes you were all expecting is about our plan, the 12%x12 days plan is now gone, I want you to understand that this is not being done because of a cashflow problem, we are doing this because the amounts of money we have been receiving are increasing a lot and a new plan is needed in order to maintain the exchange of money between the trading platforms and the payment processors.”
Well, yes, I certainly believe this, lol. There’s absolutely no cashflow problem and that’s why Michael decided to change the most popular plan to something else which will certainly decrease the cashflow to the lowest level possible.
“The new plan pays 4% and it lasts for 36 days, which means you will still receive 44% of profit but it will take 36 days, not 12. I have never disappointed you before and I’m not going to do it now, if I wanted, I could have ran with all your money but I didn’t, I’m still here and we are together, fighting everything and everyone in order to become the best program this industry has ever seen.”
What happened in reality? ALL the pending cashouts were returned to members’ accounts and become a part of a newly hatched plan. But it was done without prior notification. Just think about it: MegaLido wasn’t able to pay their debts and that’s why it forced the members to reinvest into a new plan! If that is not a cashflow problem why then were the earnings from the older plan and even ref commissions all reinvested? They certainly shouldn’t be affected by these changes. I will tell you why: because this really is a huge cashflow problem now.
“The new plan is being applied to the website now and it may take some time until you all see it, some will see it right now, some will see if later but don’t worry, the process will be completed as quick as possible.
All the pending payments you have will be transferred to the new plan, I’m sorry but that is something we have to do, I hope you understand me. You still need to surf 12 pages daily to get credit and the pendings will be paid within 48 hours, as stated on our terms and F.A.Q. If you have an active upgrade, continue to surf and when you complete the 12 days, it will be moved to the new plan too.”
Ok, the pending payments are NOT being paid currently except for those made to STP. I don’t know the real reason for that but I assume Michael has some funds in SolidTrustPay only left to confuse the members and lure other unsuspecting members into his program. The payouts were SELECTIVE for the last few days and ALL of them are made to STP. Do you think I can support such a program? Never.
“I am not running away now and I do not plan to do it, I understand you may be scared with these changes but they are necessary if we want to keep MegaLido sustainable and I’m sure we all do. I’m sticking with you and I hope you all will stick with me, your support is very important at this point and I hope our relationship will continue to be very good.”
Sure he will not run away. Not before he bleeds every last penny from this dying program. Would you do it if you were an admin? I bet not. For the last two days there was absolutely no communication from him except a few words that left us with more questions than answers.
“I’m sorry I made you wait these last two days but a new MegaLido is now born and you will profit from it, I assure you that. I really appreciate the ones who stayed positive during these days and thank you so much for being a part of this huge project.”
Well, in my opinion to stay positive and to be a realist are two different things. I’m sure now that MegaLido is over and if I haven’t got an appropriate update from the admin within the next 24 hours I will move the program to Not Paying status which it really deserves now despite a couple selective payouts to STP. If you’re still positive about MegaLido you’re welcome to spend more money but I would strongly urge you not to if you have any common sense. Please don’t try to save a sinking ship by bailing out water with a spoon!

I myself don’t think that there’s something wrong with 12% for 12 days model as many other programs are still doing great with it. Take GigaLido for example. This is the newest addition to the list of autosurfing programs (read my review here). The admin of GigaLido Denise recently experienced some problems with the old hosting provider so she decided to transfer her site to BlockDos servers (the best protection for HYIP and autosurfs now). So you shouldn’t have to worry as the site is online and on new servers now and yesterday and today were announced as surfing holidays. So you can take a break from surfing and enjoy your holiday. Here’s the latest update from the admin:
“GigaLido is now on BlockDos ddos protection and we declare all surfers from yesterday and today who was not surfing to get a surf holiday, so all earned without surfing, the site is up now and should be very quick, in some areas may the dns IP is not yet resolved, if so just try later again, you earned anyway already. Sorry for this downtime we were facing, but as all see you got an holiday it was me who was more worried than you trust me on that. I will have some break now and sleep for a few hours”.

Frogress also uses the same tried and tested 12% for 12 days model and is still doing great. The admin of Frogress Jake (read my interview with him here) also recently moved his site to a BlockDos server which made it much faster and released it from unnecessary downtimes: “Froggie has successfully moved the website to BlockDos hosting. Thank you for continuously supporting Froggie.” In addition, Frogress has been completely redesigned and you can see it’s a the better version. I’m sure all these changes with the hosting and design will make Frogress even more popular and make it run for a longer time. Just check it out and you will certainly want to be a part of it!

By the way, after I mentioned on my blog that BlockDos will give you some discount if you mention that you came from Money-News-Online site I received a couple of emails from my readers asking what discount this will be exactly. So, I asked the admin of BlockDos Majeed and the discount will be 50% off on setup of started protection or 10% off monthly. All you have to do is to mention to that you join on the recommendation of from Money-News-Online and they will give you some sweet discounts.

The best recommendation for BlockDos would be not only my site that was under DDoS-attacks several times already which were mitigated by BlockDos specialists quite fast but also the rapid growth of 8DailyForever program that changed their hosting provider to BlockDos (transferred from BlackLotus) and since then it was relatively stable despite continued attempts to attack their servers. Anyway, 8DailyForever (reviewed here) has been paying from May 2008 and after the introduction of the new 13% for 13 days Lucky plan it is simply rocking. The high growth for the last days even caused the traffic overload for the servers 8DailyForever site which was reported by the admin of 8DailyForever Susan (soon you will be able to read my interview with her):
“I have just spoken on Messenger with one of the BlockDos team (who was paged to come in on his day off to help us and kindly did!), and he explained that what has happened almost overnight is massive server overload of visitors and surfers to the site! Now that is GOOD NEWS my friends , and proves that there is great interest in 8DF!!!!
BlockDos has optimized the site as a temporary measure, and as soon as possible we will be moved to 2 dedicated servers, one for the database and one for the web. Apparently most sites have a load of 1.00. Ours is at 46 and getting heavier. It has now been optimized to 14 to carry is through till tomorrow. This means that surfing and opening your pages may be slower than usual, but you should be able to access. (All this was put in simple terms so I could understand it.)
Soooo, to sum it all up…..NO DDOS attack……just site overload due to our exploding growth! Growth includes the high %age of active upgraded members , and not just “total” membership, amount of activity in the database due to customer care, number of members surfing at any given time , and of course visitors checking us out.”
The influx of new members was so heavy for the last days that it also caused a work overload for the admin who couldn’t handle all the support requests by herself so a new member of support has been taken onboard:
“3 weeks ago I reached the point where I couldn’t handle the heavy influx of support mails alone along with payouts and other administrative chores. Charlie to the rescue! I’m sure you have already noticed his quick responses to your emails through my night, and this has taken a huge load off my shoulders. Thank you Charlie, from all of us. As our program continues to grow, we will gradually add more members to our team. Charlie also helps out in the blogchat as 8DailySupport.
So now along with our wonderful William who cares for the forum and the 8DFGroup, along with helping with support in the blog, and of course the contests, banners and tech work, we are a team of 3 “at your service”!!”

SurfExchange site is also growing quite fast with 2,000 members and counting. The admin Joe (read my interview with him here) recently introduced a new more profitable plan to the members in addition to the existing 10% for 14 days and 9% for 14 days. All the details can be read in the following update:
“Today, I am pleased to offer you a freedom plan for SurfExchange. This is in line with our earlier promise.
Like you already know, we have over 2000 members in one month and I think this is absolutely remarkable. We are definitely have gone through challenges no doubt, but always, good have prevailed over evil.
This Freedom promo is for your benefit and you can take advantage of it now. Please note that this promo is only for
7 days and you will be paid a total of 168% in 14 days, isn’t this remarkable?
We are totally open to complains and suggestions and we will do our possible best to solve all problems without delays.
I appeal to you to always give us the chance to resolve any problem if you have one by contacting us. Our YIM is always available for instant response.
You are the best people people to do business with.
Thanks for making SurfExchange work.”

Unfortunately not every autosurf can boast such rapid growth. Some (like StabilitySurf for example) are growing quite slowly and recently they reached 100 members mark. Well, it’s understandable if you consider that StabilitySurf is paying 4% for 30 days so the profit will be only 120% after 30 days which is not so much compared to many popular high-ROI autosurfs. I still believe that the program can take off soon and my review regarding StabilitySurf was positive. You can read it here.

I have just received some important updates from the admin of AggeroInvestment (read my interview with him here). Nothing too serious though but I guess you would be interested to look into it anyway as it concerns some temporary issues that you might experience in your AggeroInvestment account today:
“1st - Like I expected, our membership numbers grew real fast ever since I sent out the last newsletter Friday. I mentioned that we had a little over 1100 members that time. Now we are almost 1400 (1395 to be exact)! And with 10 more days left until we privatize, we could double my original expectation of 1000 members. That is great! And I thank all of you for making this happen.
2nd - To all those who use STP, if you’ve noticed, when you log-in to your STP account first-time today, it will ask you for a new password and a new secondary password. I did enter a new one but unfortunately, the new secondary password I entered is not working when doing mass payouts. I already requested a new one and should be sent within 24 hours according to their terms. But until then, I cannot do payments in STP. But nothing to worry about, you know that I will do it as soon as I receive their reply. All other payment processors are up-to-date and paid according to terms. LR and StrictPay are being paid automatically and without any issues.
3rd - In a related issue, if you also deposited using STP, it will not show on your account automatically. Please send me a support email with the transaction info and your username and I will add it manually.
4th - Use the latest version of Firefox to get the best experience on our program. If you are using other browsers, update it also to the latest version.
5th - If you didn’t get your activation link, just try logging-in already. If you get in then that means you are activated and good to go.
That’s about it! Have a wonderful day!”

Some important news from the HYIP world today came from GoldNuggetInvest. The admin of this program added another quite popular payment processor now – StrictPay. If you read my interview with him published here you will find out that the program has been online and paying for more than two years already which is an incredible achievement in my opinion that can’t be done without outside sources of income. Anyway, here’s the latest update for all GoldNuggetInvest members:
“Before I leave for the weekend, I would like to inform you about a new feature of your GNI - Arbitrage Betting Pool: As from today you are able to deposit into our pool with StrictPay. The addition of StrictPay as an additional deposit option is a further step to improve our services and another demand from our growing member base.
StrictPay offers similar services as SolidTrustPay, means you can fund your account direct without the service of a third party exchanger and you are able to transfer your funds direct to StrictPay’s debit card or to your bank account. You can open your free StrictPay account here.
Please note that StrictPay deposits as well as SolidTrustPay deposits have to be made manually for the moment. You will find further information in the members area if you wish to deposit with one of these fine payment processors. Automated SolidTrustPay payments will be available in the next 7 - 10 days, while StrictPay deposits will remain manually until further notice.
I would like to remind you once again about our 10% instant bonus on new deposits as part of our second anniversary rewards. This promotion will expire on Monday, Nov. 17, 2008 at 5:00pm GMT. You will get your bonus credited instantly together with your deposit if you deposit with StrictPay or any other of the accepted payment processors before the deadline on Monday.”

The admin of URInvest program (read my review here) made some significant changes today. The ROI the program is paying were reduced to 4%-4.24% daily for 30 business days and the maximum possible to invest in 150%-160% plan was reduced to $100. According to the admin these changes were made to make URInvest a more stable and reliable program and it will not affect the currently running deposits. Read the following update for more details:
“We are happy to announce that URInvest is now near completion of its public awareness phase of operations, which was a complete success and which helped us to establish so needed trust and public recognition.
Our program is now ready to move forward in it’s full capacity and deliver stable high yield returns via it’s highly competitive, carefully calculated main investment plan, offering 4.24% in daily earnings (4% for deposits under $100) for 30 business days. This rate of return, is the minimum rate, which our program is committed to deliver, but per fund’s performance in the future, at times, it can be INCREASED FURTHER in a variable manner.
According to this favorable program’s transition and as some members may have noticed, during the past week, while preparing for it, we had a posting in user’s account deposit area that our introductory rates and plans are to be removed after November 16th. This change has now became effective.
All users, who made their deposit into our promotional plans will receive earnings in full accordance to our first phase plans and only new deposits will be a subject of currently listed investment plans.
IMPORTANT:
We know that many program users are reporting URInvest performance on their personal websites, various monitoring and forum resources, therefore we would like to remind such users to update URInvest’s description to reflect CURRENT plans accordingly. Also, in case your website has rate related categories for investment programs, please move our listing appropriately.
Dear Thank you for adding URInvest to your investment portfolio. We do know, you have many choices and we truly appreciate that you’ve made URInvest being one of them!!!”

TopProfitWorld site is still on Waiting status on my monitoring page despite the prolonged downtime because the admin is still communicating. Here’s the latest update informing us about the further fate of the site:
“Network problem is solved and website will be back online in 24 hours. Please post this on forums. I am at such location that I can’t login to forums and post this update so please you do it on my behalf.”

I have to put VolcanoInvest to Not Paying status because the admin continues to close those members’ accounts that were in profit and confiscate their funds explaining it by their losses on Forex. I would say that the most obvious explanation would be that he lost his money in MegaLido so please be careful as VolcanoInvest is well and truly on the way down. Get out of it as soon as you can and especially if you’re already in profit! I have no other choice but to move it to Not Paying because I found these tactics both intolerable and illogical. I already have three complaints from my readers regarding the suspension of accounts and I’m sure there are plenty more that I’m not aware of. If the admin stops his stupid behavior and return the members accounts to the previous status I can reconsider my decision but not before it’s done. Meanwhile I would recommend you to stay away from VolcanoInvest!

That’s all the news for today and to close I would like to report that recently I received payouts from the folowing programs: Frogress, 8DailyForever, SummitReserve, VolcanoInvest, FastProfitSurf, MutualForexFund, EasyCash24, AggeroInvestment, NoRiskInvestment, StabilitySurf, URInvest, InoFund, GoldNuggetInvest, Tradelite, SafeAtom, BlueBorgartFunds, HermisCapital, WSSavior, PanaMoney, DailyProfitPond, BrilloTrade, BestFXWorld, MajorBarter, Olympex-Group, ResidualForexIncome, MaxShare and GigaLido. See you tomorrow, guys!

Hi, guys! Today I would like to publish an interview with the admin of BlueBorgartFunds. We had an agreement with the admin that the interview would only be published after BlueBorgartFunds proved its longevity and that it’s not here for a quick scam. Well, 4 weeks after my first review of the program was published here I guess we can draw some conclusion regarding BlueBorgartFunds. Of course, the longevity doesn’t mean that the program is not from BlosFinance and it only means that the growth was slower than expected. But I should also point out that BlueBorgartFunds program has been performing quite well and all the payouts were on schedule. I myself haven’t missed one so far despite my review not being very positive. And I would like to thank the admin of BlueBorgartFunds that he remained constructive even despite my criticism and continued to do his job well. So those who joined BlueBorgartFunds from the beginning were not sorry that they did so and ended up with some good profits. But I believe that the program is still ok to join as it’s less than a month online. With the proper management from the admin BlueBorgartFunds can last for many months to come. I’m sure of it! Anyway, here is the interview.

“1. Hello. Please introduce yourself to my readers. Also please tell us a bit more about the origins of BlueBorgartFunds. How did it all start?

Hello to all, I am Merhda, I am the main decision maker in BBF (BlueBorgartFunds). I am also a business staff in a garment trading company in Rzeczpospolita Polska, I have 3 partners in BlueBorgartFunds, and they are all my colleagues as well. Besides trading, we all love investing in online investment programs and we have gained rich experience in this field. This is how BBF was decided to be launched. BBF is established as a financial managing program. Our portfolio of investments include Gold, Forex, Bonds, Stocks trading, Arbitrage trading, and some other investment activities all over the world.

2. Please tell us also about your previous experiences, if any, in running online investment programs.

To be frank, BBF is my first online investment program. But I have been investing with online programs for years, including HYIPs, Autosurfs, Forex trading, Poker, Gambling . . . etc. I should tell my investors the fact here: Don’t be dreaming to get rich overnight by investing with BBF, this will never gonna be true, because my program is not designed for “get-rich-overnight”! The vast majority of similar businesses offer high percentages of earnings, high ROI over extra-short terms. Those aren’t usually meant to live a long life, so don’t get fooled!!! My experience has shown that only low percentages over mid and long-term spans can actually be sustainable.

3. As online investing is by definition very much an international business, can you or your team offer support to investors in any language other than English?

As we know that English is the most widely spoken language, and speaking English is just my daily routine though I am not English native speaker. Polska support is available, investors can send us email in Polska.

4. Can you explain to us in more detail the plans on offer to investors? What terms and conditions apply? What are the minimum and maximum amounts to invest?

BBF gives you opportunity to earn 11% daily for 11 days, 155% after 22 days or 200% after 33 days including your initial deposit for each deposit you make. The minimum deposit amount is $10 and the maximum deposit amount is $10,000 per account, per day. Payments are made for your comfort directly to your LibertyReserve account. For the terms and conditions, please refer to our TOS page.

5. Why are you only accepting LibertyReserve? Doesn’t this effectively remove a huge number of potential investors who do not have an account there? And what happens if LibertyReserve block your account?

Firstly, I wanted to use AlterGold and PerfectMoney as well. But I was aware that AlterGold is often down these days, and PerfectMoney is not widely used at all, very few exchangers provide PerfectMoney exchanging services. Secondly, I notice many other programs accept LR only too and what is most important is that I am aware that 90% of online investment program investors tend to use LibertyReserve more often than any of other e-currencies. Thirdly, it is very simple process to unblock and blocked account by contacting LibertyReserve website online support.

6. How secure is BlueBorgartFunds? Tell us about the anti-DDos and anti-hacking protection you have in place. What script are you using? Are you on a dedicated server?

BlueBorgartFunds is 100% secured! Because there is no script installed on BlueBorgartFunds. Furthermore, hacking or any illegal inbreak will never happen to BlueBorgartFunds, because our DB is offline on a safe dedicated PC. Regarding DDoS, we believe that BlackLotus is able to handle any kind of attack.

7. Please explain why you have the same IP address as BlosFinance, a company that scammed it’s members after just two weeks?

As you may notice many other programs use hosting from BlackLotus too, you may also find that some of their IPs are same and over used, for example, let’s say 69.197.23.163, it’s first client is sourcelinkads.com, second is blosfinance.com and third blueborgartfunds.com. If I am questioned “are you admin of all these three programs?” Then what should I explain???

8. Your links with BlosFinance don’t stop there either do they? The plans, the e-currency etc. Even some of the text is identical. How many people do you think will seriously believe this is a coincidence?

With this link, I believe there should be sufficient clarification regarding me, the admin’s identification. Don’t you think it’s wasting time to repeat the same thing day by day clarifying who I am???

9. Are you pleased with the development of BlueBorgartFunds so far? How good has the members support been? Could anything be done to improve on this?

BBF is growing slowly, but meanwhile BBF was hurt by your so called “unbiased” review. I understood the reason you connected BBF and BlosFinance together, which to me, is absolutely a coincidence. But I can’t imagine BBF has been a victim and thought as scam, now BBF has been online for nearly one month, did you find any complaint regarding my program???

10. How are you promoting your program? What advertising strategy are you using? How much do you think is down to word of mouth from existing members?

So far, I haven’t promote BBF at all, most of the current investors were invited by their friends to invest with BBF. Advertising planning has been made, but it won’t be started till Xmas, after the New Year’s Day, you will see BBF’s banners on monitors and forums.

Regarding the program status, please check October “Month-end statement” here: “On 30 Oct 2008, we met our 155th investor. In October, the total deposits from our investors reached $6385.68, total payouts to our investors $3232.59; our program is growing as we expected”.

11. What next for BlueBorgartFunds? Are you confident about surviving what might be a very slow Christmas period? Realistically, how long do you think you can keep the program running for?

For the first question, please refer to Item 10. “Slow” also means “steady”, you should have heard “fast come fast gone” many times, while BBF is opposite, like what I have talked in Item 9, moreover, BBF’s rates should be one of those whose are most reasonable. Me, and my partners will try our best to keep BBF a great paying program our there.

12. If you can say one final thing to those who may not be convinced, what would it be? What makes your program better than anything else out there at the moment?

Hey buddy, keep your eyes on BBF, and don’t be so hurry to invest, but, I believe, finally, you would, and you will for sure, love BBF!”

I would hope that this interview shed some light on the personality of the admin. Of course, I would like to apologize that I maybe was the reason for the slower than expected growth of the program. But in my opinion, it’s always better to be safe than sorry and I simply did my job in evaluating who was behind BlueBorgartFunds. So if I was not right, I ask you to forgive me but at least my intentions were good. I remind you that you can read the admin’s reply in the comments to the review published here. See you tomorrow, guys!