BEWARE! THIS PROGRAM IS PAYING SELECTIVELY! DON’T INVEST!

Hi everyone! I didn’t realize until just a little earlier that the American readers of money-news-online are currently celebrating Labor Day. In Europe you see we celebrate the international workers movement at the traditional time at the beginning of May, but nevertheless I hope you all had a good holiday weekend. There was no rest for MNO however as for the second time in two days I need to publish twice in order to keep up with myself. And the week is only starting!

And as promised this morning I want to take a closer look at a brand new short term HYIP called SensibleInvest. Not a great name for an HYIP and if we’re brutally honest not a word often associated with the online investments industry at all. Sensible shoes maybe, lol! But hey, it’s just a name. So let me start off by pointing out that SensibleInvest is still not a week online so the first payouts to members (other than referral commissions) have yet to be made. Just keep that in mind if you are one of those more cautious investors that prefers to wait and make sure everything is above board before jumping in and remember that if that does include you then just keep an eye on MNO and I will make sure you are made aware immediately when the payouts begin.

Moving on to the actual workings of the program itself I guess we’ll start at the beginning. The plans. SensibleInvest has three plans available with the usual mix of high risk and high reward awaiting those who manage to join at the right time. The first of them runs for 7 days and pays out a total 115% of your deposit on expiry. So in other words invest $100 and get a once off payment of $115 seven days later. Don’t worry if $100 is a bit rich for you though, investments in this plan start at the almost Fire Sale price of just $3.

If for some bizarre reason a profit of 15% in a week doesn’t appeal to you then then next plan from SensibleInvest offers a once off payment of 135%. Needless to say the risk goes right up here with the investment term running for 14 days. The minimum spend goes up as well, this time to a more hefty $50.

And finally if your feeling especially lucky then take a look at the final plan. It will set you back $100 to join but if you think it’s worth it the investment term runs for 20 days and the reward is a once off interest payment of 160%.

A couple of other quick points about the plans include the fact that all of them have the same maximum amount accepted for deposit. But as this amount is $25,000 I doubt it’s a huge concern to most of us. And the payment options currently include AlertPay, LibertyReserve, PerfectMoney, and StrictPay which is a more than satisfactory list of payment processors for a short term HYIP like this to offer. The last thing that I want to say about the plans is that for what I will assume is a limited period (I really have no idea how long this will last) the admin is offering a $50 bonus to be paid within 24 hours to all investors who join with $500 or more. That should drum up quite a bit of extra business for sure. I would question the sustainability of adding 10% for free to any deposit but as few investors are likely to sink that kind of cash into the program then it won’t really have any long term damage on the cash flow. I mean if people simply don’t have $500 to begin with then you can offer whatever bonus you like. They still ain’t got the 500 bucks!

Security and design are all taken care of quite well by SensibleInvest. Hosted on a dedicated Staminus server by DdoSWiz, a respected name who also provide a good level of protection from DDoS attacks. And the script is licensed from GoldCoders. The design is from a name I know many of you will have heard of, LeadCaptureMaster, and while that in itself has no bearing on the program and its performance, it can play a pivotal role in the early stages of SensibleInvest‘s development by attracting new members with a slick and professional appearance and ease of navigation for the members.

For any investment related questions and inquiries, customer support is available via the always welcome Live Chat feature. Though not available 24 hours, you should be able to catch the admin there sometime. If not, well then you can always submit a support ticket, or else, considering the FAQ page is largely the generic version that comes built in with the script, you can raise your issue on any of the main investment forums where discussion threads are running. See the SensibleInvest homepage for the links.

The home page also says that SensibleInvest staff “operate all over the globe thus providing us with a big picture view on the world of finance.” Well I can only assume that refers to The Globe nightclub in west London as the texts are a straight copy/paste job from other websites. The homepage is almost identical to BestInv. There is no connection between them however as BestInv in turn borrowed it from somewhere else. In fact several HYIPs have used the same text, so don’t attach any unnecessary importance to that. Other than proving that most HYIPs are games. But looking at the plans one must suspect that BestInv is the program they are most trying to emulate here. I have no problem with that of course and hope they succeed. Good luck to them in fact! I doubt they’ll be that big, but if you join at this early stage your chances of doing well for yourself out of SensibleInvest aren’t bad at all.

Other news for today.

The admin of FlipReturn program (reviewed here) actually gave me an idea of how to manage the news section today. So I’m going to give you the update from his program which recently added a new more attractive investment plan of 15%-20% weekly and totally changed its layout for the better. However, you should be aware that the admin of FlipReturn is actually reinvesting the members’ money into different HYIPs (piggybacking on other programs) and most of them were covered on my blog. So I think it would be interesting to see what he thinks about the programs I monitor and compare his views and mine. It’s really a rare opportunity especially because the admins of the programs quite rarely admit that they are piggybacking on other programs (though I know for sure that many admins are reinvesting your money into the more successful HYIPs and not in the ForEx and stock markets that they tell you). Anyway, let’s do it and start with the above-mentioned newsletter from the admin of FlipReturn (which has been online since April 2009 by the way):
“Dear Member, lets start the week with some updates from our own program, as some of you might have seen we changed the design. Not that I did not like the old design, but maybe it was to negative? I learned that dark colors are not the best way to present yourself, so we spiced things up, as Miguel from HushHosting to do something and he hooked us up with this new great look. Doris who is one of their designers was responsible for the new, but also for the old version. I like the new one more, and we also got great feedbacks.
I also like to give a new design, welcome, upgrade super flip offer, everyone who invest from today until the next newsletter, so seven days from now, will receive for every $100 he invest $10 from me, so when this is not a great offer, I have no idea what is.
PanaMoney: This program is still one of our main ways to make money. Paying in time, Script unique and it is a safe extra way to invest with.
GoldNuggetInvest: Robert doing well since over one year and I am glad to be in this program.
GeniusFunds: Outstanding performance and a design and script I just admire, it is a great program and as I can say a real deal. I not say this from many programs, but I really like this one, and believe in it.
NanoMoneyCorp: Great, Great, Great, nothing more to say.
SazaInvestments: Still in for some money.
AxaCofinance: Weekly payments, on time, great program.
CorpusTrust: Long time investment program, looks to be in for a long ride.
TenTraders: We did not reinvest here, since I see the end of this program soon.
InvesTomato: No, we did not join this 2 scams done, and hope for more people to finance No.3, stay away as we did.
This was all for this week, see you next week and hope to say the new plan is accepted very well and we have some more money to play with.
I do my best, so join me and refer your friends, since you can get a great extra share on there investments too.”

So first of all you might notice that I strongly disagree with the admin’s opinion about InvesTomato. This is the program that was reviewed on my blog here and offering 10% for 12 days with daily payouts and 12% for 12 days with payouts on expiry. InvesTomato has been reviewed on my blog recently (read it here) and I outlined my opinion about the program and the reasons I have joined it. I still think Roger has done an impressive job with his former program InvestiMates which has run for 11 weeks. The rules of the game were there (just like now in InvesTomato) so I guess everything is honest about about the program. Of course, everybody who lost in InvestiMates will be always cursing Roger but it’s how all short-term programs work (even if the admins don’t tell you about this). After the first day of explosive growth that was caused by the mass email to all InvestiMates members the program slightly slowed down it put a breaks up a little bit with approx $20K in deposits daily having reached over 1150 members after just 4 days online that deposited over $110K in total. What to say more? The level of growth is quite stable so far so I guess those who joined one of the first will be in profit anyway. As for those later ones all will depend on the further promotion and the level of growth of the program. Remember the introduction that Roger told on InvesTomato site. It really says it all:
“Hello and welcome to my new program, My name is Roger Miller and I was the administrator of InvestiMates and USDozen. I always give a straightforward and all-honest approach when it comes to managing my programs and many members can attest to that. Making money is like planting tomatoes, they grow fast, bear fruits but also rot in a short period of time. So the best thing to do is, plant your tomato seeds (deposit), water them regularly (promote, advertise so new members join), let them grow (12 days), and then harvest after they’re ready (withdraw) before they rot, and then plant new seeds and harvest again and again (TEAMWORK).
Now in order to be able to harvest more tomatoes, you may plant more seeds regularly or as many times as you want (you can deposit multiple times) .
Depositing at InvesTomato is like planting, follow the process of planting tomatoes and everything should be well.”

What regarding TenTraders? Was the admin’s decision not to reinvest with them wise? I think it was and I will explain why. The fact that TenTraders overcame so many obstacles and were still paying for so long can change in a heartbeat. Currently the gap between payouts is getting longer and longer with every time and I still see some complaints on public forums about some huge pending withdrawals. So I don’t think it would be wise to invest into TenTraders at this point. There was a restriction implemented by the admin of TenTraders recently saying not more than $400 can be withdrawn daily. Since then I have received a complaint that somebody was not paid even for smaller amounts. However, as TenTraders proved me wrong many times in the past I will leave it on Paying status for another 24 hours. By then I hope to receive a response from them to my email I sent to them earlier today.

As the admin said about PanaMoney (reviewed here) this program definitely stands out from the crowd with its unique script, trading in real time feature and variable investment plans. If you want to read more about PanaMoney it’s always better to find out from a reliable source like one of the admins Allen Flank (you can read my interview with him here). Today PanaMoney released more exciting news about the availability of gold and silver trading against USD now. Read it here for yourself:
“Dear Client, As we have previously informed you, we have been integrating new investment options into your managed Forex trading with PanaMoney, such as gold and silver trading against US dollar.
We are proud to announce the new options have been launched and now available to our clients. XAU /USD (gold) and XAG/USD (silver) are the two new pairs you can invest into under the investment terms and conditions stipulated in our Terms of Service. The same rules to selection/change of gold and silver pairs as any other currency pairs are applied. You can also see the real time trading of the new pairs on Live Trade page, and daily trading results published on Trading History page.
The implementation of the new pairs provides you with the opportunity to diversify your investment with PanaMoney Technologies, Inc. and hedge your funds traded when investing into all available currency pairs.
You can also read more about gold and silver trading on our website in About Forex section.
We appreciate your cooperation and look forward to our long-term and beneficial relations.
Sincerely yours, PanaMoney Technologies, Inc.”

There was some controversy with OnisGroup program lately. Some people say that the program is paying on time (it’s paying me on time as well), while others are complaining on the payouts being delayed. I can’t see any proof from members yet but if you think that your payment is overdue please contact me and I will pursue your issue with the admin of OnisGroup (reviewed here). If your overdue payment is confirmed I will move the program to Problem status on my monitoring page. As I have no proof for now and continue getting paid on time myself I can’t do anything about it. I really hope OnisGroup is alright so please help me to decide if it’s true.

By the way, the same applies to LiberalTrade which is a confirmed scam now. It seems that the admin tried to pay only small withdrawals and fooled me this way. Unfortunately nobody told me that LiberalTrade was just paying selectively which made me move the program to Paying status again. Well, not for much longer as straight after that I got some emails about the pending withdrawals which made me reconsider my decision. As you can see when I’m facing some dillemma only you, my readers, can help me to define the status of ant particular program. So don’t hesitate to contact me or leave a comment on my ShoutBox and you will definitely be heard. Thank you!

GloriousProfit (reviewed here) came out with another update about the interview that was published on my blog here and about the special offer that is open for another 48 hours. The admin Chris asked me to remind you all that sometimes the payouts may take up to 30 hours and that there is nothing to worry about as everybody will get paid within that period. Anyway, here is the latest update for all GloriousProfit members:
“Hi Everyone, If you’re from the United States, then I will first and foremost tell you Happy Labor Day! Be sure to get out and enjoy your holiday as much as possible.
For today, I just want to let you know about a fabulous Interview done by professional blogger Paul at Money-News-Online. Be sure to read it and it may answer any of your questions you may have.
http://money-news-online.com/blog/2009/09/07/070909-interview-with-the-admin-of-gloriousprofit/
Also, I would like to remind you about our Special Offer.
They are as followed:
1. Deposit $40 or more and get $5 Bonus.
2. Deposit $100 or more and get $15 Bonus.
3. Deposit $300 or more and get $50 Bonus.
4. Deposit $800 or more and get $135 Bonus.
You have 48 hours now to get in and earn some extra bucks.
That’s it for today, would like to thank everyone for such great support!
Take Care, Chris”.

FoxiVer (reviewed here) paid the first withdrawals on expiry today. I remind you that in FoxiVer you have an opportunity to invest in the following plans: 107% after 5 days, 120% after 10 days, 150% after 20 days and 190% after 30 days. After 6 days onlien FoxiVer reached 350 members and keeps on growing well. The growth will probably increase even more after the addition of AlertPay as a payment option was announced today. Yes, from now on there are five most popular payment processors are accepted by FoxiVer. More about that in the following update from the admin of Jessie:
“Hello dear customers, Hope you all had a wonderful weekend. Now, the week is restarted and I have some great news for today.
The first news and most important, we added AlertPay as payment option on FoxiVer. Many members contacted us about this, and I’m sure it will be an excellent news for most of you.
We processed first payouts return yesterday and today. Thank you everybody for posting proof of payments in forums and monitors, It’s very appreciated.
FoxiVer has achieved a great member count. At just 6 days we have 350 members and would like to welcome our new customers.
Lastly I would like to say we are working together on some ideas right now and will let you know more in the upcoming days on what it’s all about. Some surprise, contest and more are coming !
This is all for today. Enjoy your earnings with FoxiVer!
Sincerely, Jessie”.

However the growth of another program EquiFex (which is due to be reviewed on my blog tomorrow) is even more impressive – over 650 members in just 4 days online. Probably the program will be very huge pretty soon. Maybe it’s because of their 6 investment plans that can satisfy almost every investor – 22% for 5 days, 120% after 5 days, 10% for 12 days, 144% after 12 days, 5% for 30 days, 210% after 30 days. Partially it might be because of 6 payment processors accepted – LibertyReserve, PerfectMoney, StrictPay, SolidTrustPay, AlertPay and RoutePay. And of course, much depends on the admin’s efforts in promoting his own program which he seems to be doing really good by sending daily updates to the members of EquiFex. And here is the latest update from the admin:
“We wish to thank you for your support in our program! we already reach 650+ members in our 4 days of being online and a $25906.9293 of total deposits and $6747.9862 of total withdrawals. We are truly grateful to have everyone in our investment program, we thank you for all the support and also to all the people who promote our site.
You can check and drop by to our new official EquiFex blog http://blog.equi-fex.com, where you can find the latest updates and promotions in our site.
We are going to release the latest updates regarding our referral contest and it will be available in our next newsletter and in our blog.
This week, we are going to be doing a lot of promotion and we request your support, two of our review are out already you can read them as they have been added to the main page of our website.
We continue to pay all our members who request withdrawal, presently all withdrawal request has been processed. Our Online Supports are online 20 hours/day and Email Support is Guaranteed a 24-Hour Response. Remain pretty cool.
Regards, EquiFex Administration”.

Here is another short-term program I have joined today (isn’t there an abundance of them recently?). It’s called FlexiPlans and just launched today. The program offers three investment plans: 13% daily for 11 days (143%) with daily payouts, 24% for 5 days (120%) with daily payouts and 14% for 11 days (154%) with the payouts on expiry. The minimum to invest in FlexiPlans is from $10 to $15 (depending on the plan selected) so it’s quite affordable to everybody. FlexiPlans accepts LibertyReserve, PerfectMoney, StrictPay and RoutePay (it’s already the second program accepting RoutePay now). The admin of FlexiPlans just left the following greeting message on his website:
“This is to announce that FlexiPlans.Com has now officially launched and now accepting new members. I wish to use this opportunity to welcome you on board. Do not hesitate to contact support whenever you have any questions. There is always someone around to respond to your enquiries. Best regards Daniel O Shea”.
In my opinion, FlexiPlans is quite a promising program with good design, attractive plans, NeverSay script, hosting on a dedicated Staminus server – everything has been done to ensure the stable growth for some time. I’m going to review FlexiPlans on my blog soon after I receive the first payment from them.

And finally here is the list of the programs that paid me today: PanaMoney, InvesTomato, MetaStocks, PTVPartner, CoolReturn, WLInvestments, StableInterest, GoldNuggetInvest, EquiFex, FoxiVer, FlipReturn, AxaCofinance, OnisGroup, GeniusFunds, NanoMoneyCorp, CedexInvest, PreviaTrust, CorpusTrust and Verifield. See you on my blog tomorrow with another review and more news from the industry!