THIS PROGRAM HAS STOPPED PAYING! PLEASE DON’T INVEST!

Hi everybody! Yesterday saw what must certainly rank amongst the most keenly anticipated events in the online investment business over the last couple of months or so finally occur. I’m of course talking about the launch of TheDollarDiggers. We’ll see in time if all the hype and excitement around this has actually been deserved, but I must admit even an old hand like myself found it hard not to keep a close eye on this one.

Before I start the review of the program itself I simply must take my hat off to the admin on doing one of the finest pre-launch promotional jobs I can ever remember. The site of TheDollarDiggers will already be familiar to many of you as it’s actually been up and running for the last two week or so, just in a reduced capacity. Pre-launch mode as they say. So by the time the official launch came yesterday, the program was already widely known to many, despite it only just starting in real terms. So the admin’s name is Thomas McPherson and he has done quite a number in drumming up support for his venture so I suspect a real pro at work here. Which is always welcome in my opinion.

But enough introductions, what about the program? What’s it all about? Well it’s tempting to label TheDollarDiggers as an surfing site which I know is bound to start eyes rolling! Half of you are probably saying “for God’s sake why didn’t you say that at the beginning so I could have stopped reading then!”, but bear with me for a moment. There’s a bit more going on here than just the traditional surfing site. Its also a cycler program. And its also a PTC (paid to click) program. I should also at this point tell you that these are aspects to TheDollarDiggers that I am not totally familiar with. I apologize now if it looks lazy on my part to not research this more thoroughly before review, but the whole cycler and PTC thing is something of a step into the unknown for me. On the other hand I can hardly preach about diversity in your portfolios to the rest of you guys and then not give this one a go right? I’ll just need to make one thing clear from the start and that is regarding my monitoring page. I’d like everybody to know that I am monitoring TheDollarDiggers purely as a surfing site, the admin understands this, and I think it only fair that you do too. But I am hopeful of getting a few questions with Thomas for an interview so hopefully he might do a better job than me in explaining the whole thing. If he agrees I can promise you the whole interview will be a lot more educational to me than to you!

And on that note I’ll start with the surfing plan. And unlike a lot (most) of the surfing sites I have covered recently this one isn’t an autosurf. It’s a manual surf. The significance of this is that manual surfs are almost universally more popular than autosurfs with advertisers. (Manual surfs require you to actually sit in front of your computer and watch ads for a number of seconds before manually clicking on the next ad and viewing that for the same period. Auto surfs simply require you to start the process up and allow your computer to complete the operation for you automatically). So from the start you’re in a stronger position. So the first plan is called the Digger Quick Plan and it will pay you 2% per day over 15 days which will result in a total profit of 30% on top of your principal returned on expiry. The minimum you can invest here is $5, i.e the price of one ad pack, and the maximum is $300, or 60 ad packs. A rather odd feature here is that you are offered the option of withdrawing from the plan early and taking your principal. As it only runs for 15 days I don’t really know why you’d want to, but if you do the somewhat punitive penalty of 50% will be charged. Oh, and you’ll need to surf 15 sites to get paid.

The next one is a non-surf plan and is called the Digger Infinite Plan. Infinite because there is no expiry. It promises to pay you as long as you leave your principal in place. Investments here start at a hefty $500 and increase in blocks of $500 up to a maximum of $5,000. In exchange you are offered a weekly payment of 3% interest with several restrictions in place. For one thing there is a lock-in period of 31 calendar days during which you will not be permitted to withdraw your principal. Although the interest payments are yours to withdraw as you please. Membership in this plan also hinges on you taking part in the next plan. It’s a cycler plan and membership in that is compulsory if you wish to participate in this one.

And so the third plan is really what separates TheDollarDiggers from those traditionally covered by MNO. Its called the Digger Three Stage Cycler Plan. My understanding of this, and I admit it’s a highly simplified version, is that basically you pay to have your name included on the bottom a list. The list then “cycles” every day and as new members come aboard and slowly pushes your name to the top of the list. And that is when you get paid. The cycle begins all over again but you are allowed to purchase several positions at once and therefore increase your pay days. I guess it’s not a million miles away from being a type of sweepstakes but in this instance you are guaranteed to win. The price of a position on this list is $1.30 and the prize, for want of a better word, is $146.20.

Something else I need to reiterate is that I have I have included this for information purposes only. As a regular member of TheDollarDiggers and as a monitor I am in the surfing plan and that’s really what I know about. No disrespect to the admin here you understand, its purely a matter of personal preference for me. But if cyclers are what interest you then I can only comment on the abilities of the admin to run it. So far you has proved to be more than capable and in possession of some good management skills. So my opinion is that he is probably well able to run a good program, its just my choice to join under a different plan. That is why I’m not going into too much detail on it here, but if it interests you Thomas has explained it in extensive detail on his website.

Anyway just to finish up with the plans, the list of payment options available to you is quite respectable. As well as the ever present LibertyReserve there is StrictPay, SolidTrustPay and AlertPay so you’re in safe enough hands on that front. There is a withdrawal fee applied however of 2.5% to cover the admin’s transaction charges. It’s not really a big deal though. Any site that tells you there are no withdrawal fees has most likely just factored that into their plans and in that sense still pass it on to you anyway. The other thing is that compounding is not allowed, but I’m not a big fan anyway.

Moving on to security, Thomas has done some good work here. He has made good use of the time TheDollarDiggers was in pre-launch and has tinkered around a little with the system to make sure it was the finished article and one we could all feel safe using. Before the official opening it was transferred to a dedicated server and as for DdoS protection, well after two weeks in pre-launch with no downtime I think you can probably figure it out for yourselves that it’s good. It also uses SSL encryption for extra protection and runs off a licensed Neversay script. Not just from this but by his general behavior over the last couple of weeks Thomas strikes me as the type of man who likes to act today in order to avoid a problem tomorrow. Proactive would be the best word I guess. And I like an admin with a clear plan and knows what needs to be in place from day one. So kudos to him on that one.

So how can I sum this one up? Well I like a lot of what I see but when it comes to cyclers and PTC programs and the like, it’s kinda unknown territory for me in the sense that I’ve never covered this type of program before. But never say never I suppose so I’ll have a look at least. Really though, and without meaning to be overly critical of TheDollarDiggers, I can only say proceed with caution. I like it of course, after all I joined it! But I can’t help but have mixed feelings about surfing sites at the moment either. One thing we can all agree on though is that there is a lot more going on here than just the surfing (I only mention it because that’s how I’m approaching them as a monitor, there are other platforms out there for more informed opinions than mine on TheDollarDiggers performance as a cycler). But the admin has proved himself a good pro so I’m going to say “why not?” This industry is all about gambling and taking risks so this guy deserves a shot. Just remember that it always is a gamble and after that its up to yourself as to how you enjoy it.

Other news for today.

Not so much news to report for today, guys, but I simply couldn’t pass on the exciting news from SilverLodge. I saw on forums that the program paid the first payouts for their 140% after 1 month plan. That is really great news meaning that either SilverLodge really holds huge reserves of money to pay to the members (so more money coming in than out) or simply that they really invest their money in silver or somewhere else (which I’m not sure at all considering all the stories around my very public misunderstanding over our London meeting and MasterCards not having been sent). The questionability of their income sources doesn’t change the fact that it was a wonderful performer so far and despite some glitches and the occasional delay, it has at the end met every payment. I can confirm that I received some complaints from my downline concerning delayed payouts to LR and PM but after raising them personally with Dominique everybody was paid in minutes. So I guess everything is still going well now and temporary delays are easily forgiven as long as they do get paid eventually. At least I hope so, and what will happen next only time can tell. So far SilverLodge has been paying since October 2008. Pretty impressive for any online investment opportunity, isn’t it?

But what is the secret of SilverLodge‘s success? Maybe it’s clever marketing tricks they are using constantly by simply closing and re-opening for new membership, announcing new plans and strictly limited promotions which everybody knows will not end at all and will be successfully replaced by other “special offers”? Well, whatever it is they seem to be doing it right and today I found another interesting promo on SilverLodge site which I’m going to publish below also correcting some major grammatical errors on the way:
“Dear Members, I want to thank you for go on giving us trust, and we hope we give and deserve that back to you. Since the 28th of May our 140% plan pays and some people can hopefully confirm that we were also paying quick as usual in this plan. I want to remind you that we terminate this plan as it was announced from day one on the 6th of this June. I also want to remind you that we be online now for 8 Months, and I believe Dominique and I did a great job.
Many people ask us to open the bi-weekly plan at a lower investment, but as I explained to them, it is a real investment, and we can only accept greater amounts at this time.
Nevertheless, I want to open something very nice and similar to all of you.
We like to invite you to invest in the new SilverCoin Plan:
16% weekly for 10 weeks (principal included)
minimum is $50 to join this plan.
And because of the great success back in January I like to offer you The Bonus again For investments in any Plan:
higher as $1000 we pay 10% Bonus on your investment amount
higher as $2000 we pay 12% Bonus on your investment amount
higher as $3500 we pay 15% Bonus on your investment amount
higher as $5000 we pay 18% Bonus on your investment amount
If you want to invest higher amounts please contact us for special Bonuses.
Back in January and end of February this was a great way to get you exited to invest, and all who joined can confirm to be in a great profit at this time. I hope you all join us again for this very limited special offer until the 10.06.2009 as this is the day where we will invest in a large amount of silver and try to get the very best fee possible, and we can get this with your help again.”

Surely this new plan paying 16% for 10 weeks will be a success among the investors of SilverLodge. I believe if they successfully survive past June 10th then Ill consider publishing an updated review of them as I did already with such popular programs like NovalexFinance and GoldNuggetInvest. I simply cannot explain how they are able to survive and it’s just simply illogical sometimes to be in the HYIP world for me. Anyway, my sincere congratulations to Dominique and Louise for a job well done. And leaving all my personal issues behind I will wish them the best of luck in running their program and hope SilverLodge will stay online and keep paying for a long time to come. And yes, I’m going to move SilverLodge back to a higher position on my blog in a week (or two) if the payments continue.

I would like to announce that I have received the answers to my interview from the admin of Xchanger Andrei, aka “syber90” on some forums. So far I tried his Xchanger three or four times and have never been disappointed. All the exchanges were made within 24 hours, but usually it only took a couple of hours to complete them. I remind you that Xchanger helps you with exchanging three major ecurrencies: LibertyReserve, SolidTrustPay and StrictPay. To take advantage of the Xchanger you should register in it and your level will be gradually raised after making several successful transactions. The maximum you can exchange in the site is limited to $500 daily. The rates in Xchanger are constantly changing but the current special rate is 0% fee if you want to convert your money from LibertyReserve to StrictPay.

I had to move AmericanWorkGroup to Waiting status on my monitoring page because despite all admin’s assurances I still have problems with my account. The profit which should be accrued daily has not been received for the fourth day in a row. I will try to contact him again but really I’m very tired of doing this especially considering that the admin being not a native English speaker doesn’t seem to understand what I’m talking about terribly well. So I’ll try to put it as simply as I can. And yes, here is the email I received from him today although as I have said already nothing has been fixed yet:
“Dear investors! We completed the repair database. Draft AmericanWorkGroup INC is ready to accept new investors. In the AWG may be problems with payment, but we will pay all of your requests!
Here E-mail for investors admin@americanworkgroup.net
To write the problems, needs, issues and other matters of interest to you.
Draft AWG will work always. Thank you for your patience. Sorry for any difficulties.”

I was watching the discussion on the MMG forum regarding the closing of USDozen with huge interest. It seems there is a decreasing number of critics as more and more people just shrug their shoulders and admit it was just a game where payments continued as long as new members joined with fresh funds. According to the admin of USDozen Roger for the recent days the upgrades were at a minimal level which left him no choice but to close the program and pay all the remaining funds to the members. As I have predicted Roger decided to open another autosurf soon under the same name and I think it has a chance to be a better program than USDozen. I hope there will be some protection from hit-n-runners in place as many experienced members suggested which will eliminate the bad influence of those investors who join with huge amounts from the beginning and then pull all the funds out of a program leaving the admin with no funds to pay to existing members. So the question remains how to keep the program running for a longer time and eliminate hit-n-runners. I hope Roger will find a solution to these hard tasks before opening another autosurf which he promised to do in the near future. I will closely watch how this will be accomplished and possibly might even join his new program. Here is what I found on MMG forum from Roger:
“I posted a message about payments about over a day ago. If everyone noticed daily upgrades were like $300 to $500 per day for the past week. I had no other choice but stop the site and just pay what I could with the remaining funds and I did just that.
I am thinking on what next step to make and I will be here later to discuss. I am sure there will be haters because that’s how it usually is but surely also there will be those who understand what happened and I am ready to discuss…
Ok then, I’ll prep up a new autosurf website as soon as I can.”

I stumbled upon a new program today called Merchandies that strongly reminds me of FXOIC program which I monitored on my blog in late 2008 to the beginning of 2009. FXOIC was a great program that lasted for over two months paying 22.1% for 5 days. I’m telling you about this because Merchandies has the same customized script which FXOIC used and very similar plans of 22.2%-26% daily for 5 days. The minimum to invest in Merchandies is $20 and the profits are increased gradually depending on the amount invested. Merchandies currently accepts LibertyReserve, PerfectMoney and StrictPay but the admin promised me that AlertPay and even Bank Wires will be added pretty soon. The site of Merchandies was registered in late July 2008 and as far as I know first it was a different program with a different plan. I’m not sure if the admin is different now but I will pursue him on that. Merchandies is hosted on a dedicated server and so far I haven’t heard of the program anywhere else, not even on forums. I hope that soon it will be launched properly and then I can give you my detailed review on it.

That is all for today! Except to remind only that I was paid today from: BlazeInvest, TheDollarDiggers, SilverLodge, NovalexFinance, UnitFX, NanoMoneyCorp, SigmaTral, Verifield, Ivy-Castle, GeniusFunds, Fexity, GoldNuggetInvest, ForexExperts, NorthBizz, AsianInvestGroup, XagaEnterprise, Poplans, LonixFinance, OrybFunds, EnscoOffshore, ElegantMoney, EwoCapital, PanaMoney and SteadyGrowthInvest. See you on my blog tomorrow with another review and more news from the industry!