BEWARE! THIS PROGRAM IS PAYING SELECTIVELY!

Hi guys! As we come to the end of the weekend I hope all is going well with you so far and you are looking forward to the week ahead. As promised I have a new review for you all today so maybe there will be something there to interest you.

As well as that in the news section we have perhaps the biggest news story of the week. The biggest but not the best unfortunately. I’ll get to that in just a moment but to start with the newest addition to my monitoring list. And I suppose it’s true to say in this business that one program never closes without another opening up. So today I will be looking at RoyalFex.

A little different from the recent glut of short term programs we seem to be bombarded with these days (no bad thing either as long as they are good!), RoyalFex offer us a bit more in the way of variety. Their plans while typically short term with a high risk high yield profit attached, also have a couple of longer medium term options available at the same time. In fact in this case the medium term options may well turn out to be the most popular picks as they are the most affordable.

So basically there are four individual plans available from RoyalFex. Two of them pay daily, two of them pay on expiry, and all of them have their own merits.

The first plan is called the “Aggressive Plan” and this is the shortest term plan. It’s also the highest ROI. And the most expensive. For a minimum spend of $200 you are offered a payment of 26% interest earned every day for 5 days but only paid on expiry. That’s a total return of 130% of your principal. Or to put it another way for the minimum $200 investment you can expect to earn $52 per day. Then you will complete day 5 with a total of $260 and get your payment. The maximum investment is $4,000. Your principal is already factored into the payment.

A more profitable higher risk but oddly more affordable option is the “Classic Plan”. This time the minimum spend is a slightly More reasonable $100. Again the only payment you will receive will be your final one of 140% made on expiry, but that will include a daily earnings rate of 14% per day. The plan runs for 10 days so for the minimum investment of $100 you can expect a total payment of $140. Again this is counting your principal as part of the payment. Maximum investment is $6,000.

Moving on to the daily payment options now, first we have the “Premium Plan”. This time the minimum price drops to $50 and in return you are offered a pretty sweet rate of interest of 4% per day for 25 days. What that means is that you can double your money on expiry. For instance if you invest $100 you will get paid $4 per day for 25 days. So that means you will have earned another $100 on expiry but this time your principal will be returned. The maximum to invest is $10,000.

And finally we come to the “Professional Plan”. At just $10 to join this might prove to be the most popular plan on offer from RoyalFex. Although to be honest it’s almost a complete waste of time with the one and only advantage being the affordable minimum price. I’ll explain in a moment but first let me give you the details. The rate of interest paid daily is 2.2% and the investment term runs for 45 days. So for an imaginary investment of $100 you get paid $2.20 per day for 45 days. At the end of which your principal gets returned. So your combined payments will amount to a total of $99 plus your initial $100. Maximum investment $15,000.

If you didn’t notice the problem which almost jumped off the page at me, then ask yourself what’s the difference between the Premium Plan and the Professional Plan. In financial terms there isn’t one which in my opinion renders the Professional Plan redundant. Completely pointless in fact. I realized it straight away when I saw that the ROI was just under half but the investment term was just under double. It pays almost the exact same as the Premium Plan (minus one dollar) but takes almost an extra 3 weeks to do so. So unless the extra cost is an issue for you, I suggest you avoid this plan unless it gets a complete and dramatic makeover.

However there is one more problem with the plans and in my opinion it could prove a major stumbling block to the growth of the program. Especially to the more expensive plans. The thing is that rather than invest a certain amount of money in any given plan, you are instead required to buy “units”. And the price of these units is based on the minimum amount you may invest. So in other words for the Aggressive Plan you may only invest in blocks of $200. So you can only spend $200, $400, $600 and so on. But what if I have $300 to spend? Surely the admin is doing himself no favors here. Granted it’s a built in feature that comes with the script and of course we have to question the suitability of said script, but ultimately it all comes back to the admin and how he choses to organize his program rather than the script developer.

The other things to point out here is the excellent list of accepted payment options with LibertyReserve, AlertPay, SolidTrustPay, StrictPay, EcuMoney and PerfectMoney all included among the options. More than satisfactory I would say. You are required to allow up to 24 hours for payments to be processed and the site works 7 days per week.

Security is an area well up to standard here with RoyalFex being hosted by Koddos, a service provider that continues to grow in stature. It’s hosted on a dedicated Staminus server and running on a licensed Neversay autosurf script. The design is quite sharp and easy to navigate although the FAQ page could do with a little padding. Still, I suppose the basics are covered. Customer service and communication is done through the usual online e-mail ticketing system and also the always welcome sight of Live Chat where you can converse with the admin or an operator in real time. I don’t know exactly what hours they keep the Live Chat open, but it’s not just for show. It does run.

Sorry to say but then it’s hardly a surprise that the texts are stolen. They are a straight copy/paste from a variety of sources, including many well known international insurance and investment companies. But then the fact that the daily paying plans were so badly thought out should indicate to even the most inexperienced novice in the online investments industry that RoyalFex are a long way short of the “top-tier asset management company” they would like you to believe. In fact I suspect someone a lot more amateur to be behind it.

But nevertheless, as long as you enter this with your eyes open and keep your expectations modest and realistic there is no reason why you won’t turn a quick and easy profit here. It won’t last forever of course, they never do, but joining early as part of a well balanced portfolio might just be worth a few bucks to those who enjoy a gamble.

Other news for today.

The major news story today and no doubt the most shocking for many investors over the last two days was the closure of InvestiMates. Well, to tell you the truth this closure was not very sudden at all as the admin hinted at this in his most recent updates by showing the concern over the unsatisfactory level of AlertPay deposits and asking people for support. It usually happens when a program is going to collapse soon. Yes, I admit that the message was out there but I seem to refuse to see it clearly. I thought InvestiMates might continue but just needed some more support from the members. However the recent problems with SolidTrustPay which doesn’t seem to be working consistently at all right now put an end to those hopes and forced the admin to stop accepting new deposits, honor the last withdrawal requests and refund to those not in profit. Honestly speaking he has taken the last chance to revive the program by sending the following newsletter to InvestiMates members:
“Hello everyone. I am processing payouts now but we may have a problem with AlertPay and SolidTrustPay funds.
Due to the instability of these payment processors, the funds seem to be not enough to process the withdrawals that are pending now for those 2 payment processors. While it is currently not a problem with PerfectMoney, StrictPay & LibertyReserve, it was really a very slow flow for STP and AP.
It is truly because of the up and down trend of the STP website and with AP it is just because of the natural lack of incoming from this processor. LibertyReserve, StrictPay & PerfectMoney funds are not enormously great but enough to sustain the payouts, and could go on for a longer time too with what I can see.
Everyone knows how much I want to make InvestiMates last for a very long time and how much work I have put into it. For 77 days, I have been working straight, everyday enthusiastically. With problems arising I did not fold up because I trusted that we will overcome them, and yes we did overcome the trials but with this one problem we have now that is very crucial, I thought that it could mean the natural death of the program already.
Now I am torn between 3 options:
1. Close deposits and let funds be drained?
2. Carry on and just pay AlertPay / SolidTrustPay funds as funds come in?
3. Or just do what other admins do best? (joke)
Despite this problem we are facing, I am still expecting that everyone will support me. We need to discuss these things, from the very start, i told everyone that I will always be upfront about everything and here I am, doing what I told you I would.
Please join us with our discussion here.
Regards, Roger”.

The discussion didn’t last for long as Roger has already taken the unpopular decision to close the program. However there will be some winners and losers in InvestiMates like in every program I should say that Roger showed himself as a basically honest and decent admin. He didn’t disappear like 99% of admins and stated explicitly from the beginning that InvestiMates was nothing more than a game where the funds from future deposits are used to pay earlier investor’s profits. This was an honest approach and you should have been aware of all the risks involved when joining InvestiMates. The admin didn’t brag about Forex trading abilities, trading precious metals or any of the usual nonsense but put all the risks involved in front of your eyes straight away. Of course such an honest approach couldn’t go unnoticed and for 11 weeks online the program managed to reach over 1 million dollars in total deposits. Of course the more InvestiMates was growing the more funds it needed to sustain the payouts to an ever growing army of members. It was very unfortunate that InvestiMates couldn’t continue any longer but that’s just the nature of things in this business. Sorry to sound flippant to those who lost but these are the facts. It happens every program that doesn’t have other sources of income apart from members deposits. Anyway, I think InvestiMates was a huge success and I will definitely look forward to another program from the admin which I’m sure will follow soon. Otherwise nothing could stop the him from just running away and keeping all the money for himself. And of course he would not have issued such farewell update like this one:
“Dear Mates, It is with sadness that I send this message to you but to prevent further damage and losses to members, I have decided to close the website.
Refunds / Withdrawals have been sent. Those that I was able to do.
AlertPay withdrawals that I was able to process were processed and funds have been drained now.
SolidTrustPay funds have also been drained by paying out the withdrawals pending and the latest deposits made that I was capable of doing so.
StrictPay funds were also drained with the refunds on the new deposits made and withdrawals that were pending that I was able to payout.
PerfectMoney withdrawals were paid and the newest deposits were paid until all funds were drained.
LibertyReserve refunds were issued for the newest deposits, that I was able to refund and the withdrawals that I was able to payout.
The total funds that were refunded / paidout until all funds were drained were approximately $73,000+. A bigger portion of this amount were in LibertyReserve. I hope you see my intentions are for the good here.
As I mentioned before, each new days should be better than the previous day but it wasn’t the case. Funds were just enough or lower than the previous days. And the past week was not very good. The withdrawal ratio raised rapidly. Could be caused by STP downtime, AP, LR, PM, SP lacking of new incoming. Withdrawals were big and major deposits expired yesterday and today.
Whatever your reaction here is, you knew the risks and I just minimized the damage by deciding like this. I hope you understand. I am sure many will not understand and demand refunds or payments but as I said before, I am not investing the money and no new money were produced or created with the deposits made.
Anyway, that is all. Hate it or love it, I am here to stay and will always be.
Regards, Roger”.

It seems SolidTrustPay which was one of the main reasons for InvestiMates‘ closure is testing our patience yet again. I’m talking about the latest maintenance mode the site is currently in and even their official blog is down for me at the moment, but when it was up some people noticed the following message:
“The SolidTrustPay site will be offline from midnight August 21 to approximately midday August 22.
This will allow us much needed time to implement solutions and ensure the stability of the site for all.”
Currently SolidTrustPay site is working fine for me and I hope it will stay online.

If you take the example of InvestiMates sometimes it’s less risky to join low-ROI stable programs like GoldNuggetInvest (reviewed here) or PanaMoney (reviewed here) to enjoy less risks and higher overall profits. Although it might take you a much longer time to get to the point of 144% on your investment it is relatively safer to join long-term and established programs compared to short-term ones. As you might pay attention to my monitoring page I have added OnisGroup (reviewed here) to my Top 5 and that’s not just by accident. The program has been online for 7 months already and is still growing strong every single day. OnisGroup pays you variable rates of 1%-2% for 30 days, 1.2%-2.2% for 60 days and 1.5%-2.5% for 90 days and it accepts very many payment processors. You can read more about OnisGroup in my interview with the admin of the program that answered all of them quite in detail. You will find the interview with him here. And finally the news from OnisGroup now the sites have two mirrors so you can access both of them at the same time:
“We now have two fully functional mirrors: https://www.onisgroup.com and https://www.onis-group.com. Both mirrors are DDoS protected and SSL Secured.”

But now let’s get back to short-term HYIPs because due to the nature of their programs the admins send updates on quite a frequent basis. So is the case with StableRoi (reviewed here) when the admin sent out another update recently. I remind you that StableRoi program pays you 120% after 5 days and 150% after 10 days and accepts every popular payment processor. The first payments on expiry from the 5 day plan have been successfully processed and I have received my payout as well (I must say it was another very fast payout). By the way, I have conducted an interview with the admin of StableRoi and he has sent me the answers already. I’m going to publish it on my blog tomorrow and hopefully it will be of use to you if you want to find out more about the admin’s personality or simply want to hear from himself. Meanwhile let me republish this latest update from StableRoi which is nothing more than a brief summary of what’s going on in the program:
“I have some news for you:
1) First i would like remind about our competition that will end soon.
2) Now StableRoi has more then 700 members and it continues to grow.
3) If you have any suggestion about StableRoi feel free to write to stableroi@gmail.com
4) Soon Live support via Yahoo Messenger will be added!
6) And now Jacob B. is responsible for support in forums!
Don’t forget to vote for us in monitors and check out Got Paid page!”

Another quite successful short-term program now is undoubtedly PlusInv (reviewed here). They have three investment plans currently that pay 112% after 3 days, 130% after 7 days and 310% after 30 days. The program’s admin Jenny have already answered some questions for an interview which you can read here. For those interested in investment bonuses and competitions here is the latest from PlusInv for you:
“At present, we are giving $50 bonus to all members who make investments of $500 or more, into PlusInv. This bonus is a one time bonus. If a member makes an investment of $500 or more, again for a second time, he/she will not receive the bonus again.
Also, We Have A Special bonus For All :
1)We Will Add $50 As Bonus For Deposit Of $500 And More
2)We Will Add $100 As Bonus For Deposit Of $2500 And More
3)We Will Add $300 As Bonus For Deposit Of $10000 And More
4)We Will Add $500 As Bonus For Deposit Of $15000 And More
5)We Will Add $1000 As Bonus For Deposit Of $20000 And More
We work for you more than 16 days and we always pay.
Thanks for your trust! Jenny, PlusInv.”

Some very exciting news came last night also from one of the most popular short-term programs BestInv (reviewed here). The first thing is that BestInv just reached the 10,000 mark in membership. The program has been doing extremely well so far paying promptly and on time. It’s a real surprise for me that BestInv has reached this level of growth after only 45 days online paying the high rates in such plans as 120% after 5 days, 145% after after 10 days and 175% after 15 days. However maybe it would be better to hear from Olivia herself from my interview with her (published here) or from the most recent update where the second exciting thing was announced. I’m referring to the new plans of course. I would say that the new plans that are going to be implemented soon are much more sustainable in the long run and taking into consideration all the trust BestInv program earned by all this great performance it’s not hard to imagine that even with new relatively lower paying plans BestInv will remain strong and growing program which all the members eagerly desire. Here is the long but very important update from them (by the way the older plans are still aopen for deposits):
“Dear Member, Sometimes I feel that addressing you with the very word ‘member’ is more like undermining the value that you have added to my program BestInv. As a matter of fact it’s because of each one of you that BestInv has come this far and galloping on steadily.
What started on 28th June’09 by a group of 4 has now shaped up as a team of 10000 strong soldiers who are helping the BestInv empire grow. My members are the heroes and I can never explain what their contribution has been ever since inception.
I have a plan and purpose behind my program. My intention is not to gain short term popularity and then disappear with everybody’s money, as what has been happening in the HYIP world every now and then.
My plan is to make BestInv the best and ever lasting program in the history of internet. My purpose is to give strength and confidence to every member who wants to grow his/her funds with us.
Trust me, sustainability is the biggest challenge of any investment program, and time is the biggest enemy that these programs fight with.
I am neither fighting with time or sustainability, cos I don’t have to worry about it when I have a strong army of 10000 heroes along with me. We are good and that’s why he have touched 10000 and we will go on to touch 100000 one day, from my heart and soul I strongly feel that it will happen. When my member base was 100, it seemed 10000 was a distant dream, but hey I dreamt and made it happen. If you don’t dream how can you desire. My dream is strong and alive and my desire is enormous, and my effort is mightier than anything else. In a nutshell, I know my program will touch many lives, many places are emerge as the front runner.
Several programs will emerge and fall, and investors will go heartbroken and frustrated, thats how the scenario is like….right? BestInv does not believe in that, we have a strong backup fund to meet all contingencies, like i said, if you don’t plan, you can never deliver.
I need your confidence, I need your trust, and you will get the best out of BestInv.
A group of investors will always criticise the structure of our program, there will be groups who would just love to use the word ‘scammer’ on any damn program they come across, yes I agree that HYIP world is like stepping into murky waters, but it’s you who has to tread wisely. No one is going to teach you that.
It’s a coincident that BestInv has come across like minded, confident members who wants to support this program to, to the best of their capacity, till eternity.
Many investors think that programs that offer high ROI (return on investment) does not last long, well they are right to a great extent. Most of the sticky hyips that are there, are offering daily plans if you have noticed. Cos that’s the most logical investment platform that can be offered. BestInv offered attractive returns only because these plans were purely promotional in nature. My plan was never to continue with the same returns for ever, which is why in all my previous mails I have talked about changes in September.
That’s right, from September we are offering very new and decent plans which not only makes sense, but upholds the reputation and principles of BestInv.
I hereby announce the new plans that will take effect from 1st September’09.
PLAN 1
Name: Daily Plan
Return: 1.5% -2.5% daily
Period: 30 days
Min. Deposit: $50
Max. Deposit: $50,000
PLAN 2
Name: Special Plan
Return: 200%
Period: 30 days
Min. Deposit: $100
Max. Deposit: $10,000
(Means 200% ROI is given on completion of a 30 day term)
So cheers! to a fresh begininng with the brand new Plans above. If you believe in the best then BestInv is the place to be.
Let’s work together and bridge the distance between today and the glorious tomorrow.
Warm Regards, Olivia. BestInv.”

GloriousProfit program (reviewed here) which pays 5%-5.5% for 30 days is still growing strong after just 12 days online. It has over 600 members now and the admin takes it as a really high achievement which he didn’t expect at such an early stage of the program’s lifecycle. To attract the interest of even greater numbers the decision was made to hold the first referral contest the rules of which were published in the latest update from the admin of GloriousProfit:
“Hello Everyone, GloriousProfit has reached a point I personally never seen coming. We now stand at 607 members and growing daily. And to keep this going momentum strong and rocking I am here to tell you about our first contest! I have been talking with many members and it seems a contest is just what some members want! Who wouldn’t want to earn extra cash?!
So here it is, GloriousProfit’s first contest happens to be a referral contest and which will run 7 days. The top 2 members who refer the most active members will win a cash prize. For first place you will get $30 sent to your processor and in second you will earn an easy $20. I will update you again before it ends to remind you of the ending time and to show you current stats. So let’s get GloriousProfit some new members and spread the word about us. Payouts are being sent out 5-6 times daily and and we are getting some bigger and bigger deposits! The level of secureness that we have and the amount of support makes me have no doubt that GloriousProfit will turn into a very successful site. Thank you for you all supporting me in this project.
Also to keep you updated about SolidTrustPay, we have sent in our verification documents about 50 hours ago, so expect this new addition very soon.
That’s it for today everyone. If you have any question please contact me at our ticket support center.
Best Regards, Chris Ogeri”.

One of the very few autosurf programs still on my monitoring list is AdsDailyPro (reviewed here). It’s still growing slowly but steadily and I can confirm that the first payment on expiry was received very fast and automatically. I remind you that AdsDailyPro pays you 121% to 132% (depending on the amount deposited) in 11 days of surfing 15 sites daily in semi-manual mode. I must add that in the current shortage of very good autosurfing programs such programs like AdsDailyPro are definitely ones to watch and in my opinion you shouldn’t miss the opportunity to try this program out. Of course this applies to you only if you like daily surfing. Here is the latest newsletter from the admin Diane:
“We are already one month old and a lot of great things happened here on AdsDailyPro in this period, we are more than 500 members growing everyday, we passed our greatest milestone, total investments here on AdsDailyPro already surpassed 25.000 USD and I would like to thank everybody for their trust and support.
AdsDailyPro cashouts are 6670.22 USD already and I would like to address a warm welcome for every member who allowed 5-10 minutes daily to rate AdsDailyPro on monitors and forums.
Some of you maybe noticed slowness in SolidTrustPay payments, this is because their site its down too often, but as soon as they will fix their issues, everything will be back to normal, with payments before 00.30 server time. StrictPay, AlertPay, LibertyReserve and PerfectMoney payments are not affected at all, payments are done as usual.
Stay in touch with us as we will have new contests very soon.
With regards, Diane. AdsDailyPro.”

And so to finish today’s post I would like to warn you against depositing in AssetsParty which seems to have stopped paying a day or two ago. The worst thing is that the rating page has been removed from the site already which definitely shows the intentions of the admin to scam. So I have made my decision to put the program to Not Paying status on my monitoring page. Other programs are doing well and I received payments from many of them during the last 48 hours. The list includes: StableRoi, TenTraders, AdsDailyPro, BestInv, PlusInv, Verifield, NanoMoneyCorp, GeniusFunds, IncoForex, 12DailyInv, SolidCapital, CashXpress, OnisGroup, GloriousProfit, CoolReturn, RoxiTrade, GoldNuggetInvest, XagaEnterprise, YesICanSurf, LiberalTrade, ExcellentProfit and RoyalFex (the first payment received). That’s about it for today, guys. Thanks for sticking with Money-News-Online blog and see you tomorrow!