BEWARE! THE PROGRAM HAS STOPPED PAYING! PLEASE DON’T INVEST!

Amongst the numerous new programs to come my way recently, as usual of varying degrees of quality, is one called CoolReturn. Barely online a week, it’s not been too far from the news but unfortunately not for the right reasons. It’s had its share of ups and downs, but that’s hardly surprising for reasons I will get to in a moment. But I will start with saying that CoolReturn does have a few ideas, unfortunately they have been poorly executed so far. Having said that, after I had expected the program had finished it made something of a miraculous recovery, so I won’t write it off just yet. But I would hope that the admin has learned some valuable and difficult lessons over the last week or so before I could really endorse the program.

As a new program I’ll only review it as I see it today. The admin deserves an equal chance to make a go of his program so I can’t really be fairer than that to him, now can I? So we should start with the plans. Basically it’s a long term plan with a low rate of interest, and a bonus payment scheme added to your principal to encourage you to sign up at the start. There are several variations of this plan depending on how much you want to spend, but basically they all work along the same lines. So before I give you the more specific details, I’ll tell you that all variations run for 100 calendar days, all make daily interest payments seven days per week, and all promise to return your principal on expiry.

So the first option is called The Trial Plan, which is bit of a misnomer considering it runs for 100 days the same as all the others. Anyway it will pay you a 10% bonus on your deposit which must be between $10 and $500. Then you will be paid a daily return of 1% until expiry. So at that rate you should in effect double your money on expiry.

Next is The Starter Plan. Deposits here start at a minimum $501 and max out at $1000. In return for that you will get yourself a bonus of 11% and a daily interest payment of 1.25%. The result of which is you getting a net profit of 125% on expiry.

Next is the Classic Plan, with a once off bonus of 12% paid on deposits from $1,001 to $5000. The interest on this plan is 1.5% per day, netting you a total profit of 150%.

There are two more plans available working identical to the last three, but as they range in value from $5000 to $20,000, I suggest you look for a more professional opinion that is available anywhere over the internet.

Payment processors currently accepted include LibertyReserve, Pecunix, C-Gold and V-Money. Not exactly a popular variety in there, is it? Other than LR I mean. That would definitely be one major stumbling blocks to the success of this program.

All these bonuses incidentally were not part of the original version of CoolReturn when it launched. They are just a new addition. What you did get in the original version was a $10 signing on bonus. You got that to your account regardless of whether or not you ever invested a penny of your own money. Needless to say what happened next. Everybody started joining up for free to get the free bonus and although you couldn’t actually withdraw the ten, you could earn the interest. I’m not sure why the admin ever thought that was a good idea. Maybe just lack of experience. That particular bonus is now no longer available.

Moving on to the security of CoolReturn, this is really where all the problems have started from. Any regular readers who may not understand how the security of online HYIPs works may be wondering why I’m always going on at such length about the importance of dedicated servers. Well for a prime example of what I’m talking about look no further than CoolReturn. It’s sharing a server with over 200 other sites, and that in my opinion is just asking for trouble. And the evidence is plain for all to see. CoolReturn is almost constantly up and down with not too much effort being needed to take them down with DdoS attacks. All other security features are left pretty much redundant by this fact. You can have the best script in the world, all the secure encryptions you like, and it simply amounts to nothing until this most basic aspect is addressed. Yes, the script is quite good, totally customized and unique, but if the program is offline all the time, what further use is it to anyone? Customer support is available from the usual online ticketing system.

To sum it all up I guess they would probably like to be compared to the likes of NovalexFinance, or GoldNuggetInvest. But really it reminds me a bit more of the recently launched AmericanWorkGroup in the sense that I suspect a newcomer if not a complete first timer to be at the steering wheel here. And like that program, CoolReturn also does have a couple of good ideas, but they are not being implemented properly. The security needs a complete overhaul and fast if anything is to be salvaged from this.

Other news for today.

As you might remember I introduced a new program last night which is called GlobalTraderGroup. It’s kinda strange why I haven’t noticed this one before but I guess it was developing for quite a long time before evolving into the version we see today. The admin of GlobalTraderGroup just introduced some positive changes into the program along with two special plans I mentioned on my blog yesterday. It appears the site of GlobalTraderGroup was offline for a couple of days just before I joined but it seems this time was used by the admin to make his program better and increase the level of security and DDoS-protection. Here is the lengthy update I received from the admin of GlobalTraderGroup last night. Read it carefully as I believe with such changes the program is destined to be more popular pretty soon:
“It is with immense joy that we are here to make some statements with reference to our site and its products.
We had a turbulent end of the month, but now everything is in order and can offer a better service for you.
Today we hosted in one of the best hosting services for sites.
New features:
1 – Internal Transfer now available!
In the beginning, we received some requests to add the option to transfer between international investors and serve these applications, you can now send and receive payments domestically without rates.
Note: We are not responsible for internal negotiations unsuccessful. Find sell their credits to people who express confidence, sending the balance will be your responsibility.
2 – Live Services available!
You now have live support to answer questions and resolve minor problems in your account, so your question will be answered more quickly.
3 – Protection against DdoS
We have strengthened protection anti DDoS attacks.
4 – Multiple e-currencies
Increased the options for e-currencies for your convenience, simply choose the form of payment.
5 – Script Doctor and anti hacker
Concerned about our safety, we get a script that is considered one of the safest in the market, you will not have to worry about your data nor with its capital.
6 – Special Plans
We have two “special plans” that have given time to quit, take the time to earn large sums.
PEARL – Minimum Investment: $ 500 to 1.8% with duration of 90 working days.
PLATINUM – Minimum Investment: $ 10 to 2.05% with duration of 150 working days.
7 – Program of these three levels
Now you gain about your items, pay commissions on 1º, 2º and 3º levels, check.
Our next goal will be to explain the results obtained in the financial market, because we have the concern to provide transparency to our investors and we will keep you informed on the situation where its capital.
We invite you to know our project.
We are in constant development, we are different and more every day.
I would like to thank you for your patience and collaboration and is why we are here.
And as an expression of gratitude, we are giving investors who were with us before maintenance:
All had their investments reset, for example, if your investment in “Silver Plan” 100 days left to expire, he now will expire in about 200 days again.
In this example, the investor gets 100 days + interest.
Access your account and check the expiry date of your investment if you are an active member before the day 30 on May.
Note: If you have any trouble accessing our site or open new account, then wait for the DNS to propagate throughout the network.
This may take 30 minutes up to several days depending on location, but we believe that 99% is already achievable.
Feel free to contact us through live support or our contact form and get all your questions.”

TheDollarDiggers (reviewed here) is also undergoing constant development and improvement. I’m going to send to the admin of the program Thomas some questions for the interview tonight and hopefully he will be able to explain how his program works better than I did in my review. I heard last night that the new classic 12×12 surfing plan was opened in TheDollarDiggers but it will only be available for those who participate in a cycler plan. Further details of how it will work were specified in Thomas’ latest update sent to all the members of TheDollarDiggers:
“We are moving well daily and I want to say thank you for your support with our 3SC. Special mention to all who are actively participating in our 3SC Activity Plan daily.
Now our first day for the new Surf Plan, Digger 12×12 Classic Plan did well. Though some got confused with the rule applied but all of them followed it. Just remember that the ratio is 2 positions in 3SC : 1 Ad Pack in 12×12 Classic Plan. This rule will create domino effect and I know that you will all see it in coming days. Those who emailed me with kind words, I appreciate it so much. It helps me think more on how to give you all ways to earn real profit with TDD.
We are getting known, thank you to all who are actively promoting TDD. We are working now as a TEAM and as a FAMILY and little by little our effort are being compensated.
So everyone we will start a new day for our 3SC Activity Plan. Our goal is to hit 30 participants who will buy at least 1 position in 3SC. All those positions bought for 12×12 Classic Plan will be counted. Once we hit it, all members who will participate will receive 2 free positions in Stage 1 and the member with the most bought positions will receive 1 free position in Stage 2.
Now a little offer to add just to make things more exciting.
All members who will buy maximum Ad Packs either in Digger Quick Plan or Digger 12×12 Classic Plan with the rule applied will receive 1 ADMIN SPOT! And of course buy 10 positions in 3SC plus 1 AD Pack in Digger Infinite Plan will give you 2 ADMIN SPOTS. You can check and see in the list that our ADMIN SPOTS are moving nicely into Stage 2. Our promo of Buy 20 positions get 5 free is still available with 30 free positions to grab still.
I am now going to pay those who have withdrawal requests for today, June 8th. Please once you receive your payments, give TDD at least 1 minute of your time to post in our forum threads and vote in our monitors.
Again, remember that TEAMWORK = SUCCESS.”

I’m glad to report to you that Merchandies paid all the outstanding pendings to me today and the admin apologized for the delay. I have redeposited into 26.6% for 5 days plan and intend to review the program on my blog tomorrow. So don’t miss it! Merchandies just got back online yesterday after being offline for a couple of days due to DDoS-attacks and the admin paid all the pending payments promptly. Although there is still only three payment processors accepted in Merchandies: LibertyReserve, PerfectMoney and StrictPay but I asked the admin about when AlertPay payment processor is due to be added. Hopefully he will give me his reply before tomorrow’s review.

You might have noticed that GeniusFunds program (reviewed here) didn’t accrue the profits to members’ accounts yesterday. Well, there seems to be nothing to worry about as the admin explained this because of a public holiday in Cyprus yesterday. Here is what I found on the site of GeniusFunds:
“Please note that due to a Public Holiday in Cyprus our offices will be closed all day on Monday 8th of June. No dividends will be paid and our customer support department will only provide limited support by e-mail. Please note that World Bond Market Fund (WBMF) dividends which are paid on weekly basis will be adjusted to reflect the holiday. Thank you for your understanding.”

CoolReturn program which I just reviewed earlier put a stop to their $10 bonus to all new investors. The admin first asked all the investors who applied for the bonus to deposit at least $10 of their own money within the first 14 days and then just after a few hours dropped the bonus altogether. There will be 10%-15% bonus offered to the investors of CoolReturn instead which will depend on the amount of the deposited money. All the details you can see on the main page of the site. And here is the latest news from CoolReturn:
“10$ signup bonus is terminated
10$ signup bonus is terminated. We offered this bonus to promote our program and with good intentions. We achieve our goal and got 200 members in less than 10 days. One more reason for terminating this bonus was misuse by some members. We noticed that some members created up to 6 accounts to get signup bonus and withdraw earning for first 7 days. We have decided to terminate this bonus offer to stop misusing of this bonus offer. We are not completely terminating this bonus offer however we are changing terms to get this bonus that will be updated in few minutes.
10%-15% bonus on each deposit
We terminated initial 10$ signup bonus but did not forget to give some incentive to serious investors. When we decided to terminate 10$ signup bonus, we thought that there should be some incentive for real investors according to their investment level. Then we came up with idea to offer 10%-15% bonus on each deposit according to amount. Our company is still new and it is time to fine tune bonuses and policies according to investor’s behaviour. Our study shows that if any company introduces new bonuses and plans in middle or after few months then it is understood that this company is going to shut down. That’s why we decided to offer this cool bonus at this stage when every serious investor may accept this without any doubt. There is still long way to go so we are offering 10%-15% bonus on each fresh load/deposit from almost beginning. Visit home page and you can see bonus percentage for each deposit level. After deposit, send us your transfer details and we will credit bonus to your account accordingly in less than 24 hours. Now every investor will get incentive according to their investment level. However for small investors if your deposit is less than 100$ then we will give you 10$ straight bonus no matter your deposit is 20$, 50$ or 90$. We did not forget small investors and this 10$ straight bonus on less than 100$ deposit will function same like earlier 10$ signup bonus and will also stop misuse of bonus offer but now member have to deposit money to get bonus.
If LibertyReserve SCI don’t work then you can transfer funds manually to our account. Login to your account and visit Load page to see our account number.
Reply back in case you need more information.”

By the way, it seems LibertyReserve payment processor is still unstable and for some programs the withdrawals are not instant. So if you get used to get your withdrawals instantly from any particular program don’t panic yet as there might be some connection issues with the LibertyReserve site.

AlertPay payment processor published some interesting articles on their blog lately and it’s always good to know that they improve their services almost on a daily basis. Recently they increased the period when sellers can issue refunds to buyers to 14 days:
“Good news for all Buyers and Sellers!
As of today, Sellers can now issue refunds up to 14 days after the transaction’s creation date! It used to be only 7 days, but due to a rising demand to increase this time frame, Sellers now have an additional 7 days to refund their customers, if necessary.
Sellers: To issue a refund, just follow these simple steps:
1. Login to your AlertPay account.
2. Locate the transaction in your “Recent Activity”.
3. Click on “Completed” under the “Status” of the transaction.
4. Click on the “Refund Transaction” button.
5. Click on “Confirm”. That’s it!
Please note that all refunds will be reversed back to the original source of payment which is either credit/debit card or AlertPay Balance.”

Also if you use AlertPay to pay for subscriptions on different sites you will be pleasantly surprised by the modified interface which will allow you to manage your subscriptions in an ordered manner:
“Improved “Subscriptions” Interface
As you well know, we at AlertPay are always looking for new ways to improve our service so you can get the most of it. In keeping with this, we have modified our “Subscriptions” interface so that it is easier for you to use. From now on, you can view both sold and purchased subscriptions in the same place. To view sold and/or purchased subscriptions, just follow these steps:
1. Login to your AlertPay account.
2. Click on “Profile”.
3. Under “Financial”, click on “Subscriptions”.
4. Then choose whether you would like to view either “Sold” or “Purchased” subscriptions by clicking on the appropriate tab.
You can use our new search and filtering tools to find your subscription(s) with ease. Search by reference number, name or the seller’s email address – it’s never been easier!”

I think thats about all for now. If you’d like to know which programs from my monitoring list paid me today here is the list: NanoMoneyCorp, XagaEnterprise, SilverLodge, YesICanSurf, TheDollarDiggers, ForexExperts, SteadyGrowthInvest, GoldNuggetInvest, InvestiMates, MajorBarter, NovalexFinance, InvestmentForge, EnscoOffshore, PanaMoney, CoolReturn, ElegantMoney, Merchandies, Ivy-Castle, SigmaTral, OilInsider and GlobalTraderGroup (the first payment received). This is it for today and see you on my blog tomorrow with more news and reviews! By the way, if you want to follow me on Twitter here is the link.