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

Hi all! As promised this morning I have a news update for you this evening. Better late than never I guess but what I neglected to mention (so as not to distract from the admin I was interviewing) was that I also want to review a new HYIP that I joined just a couple of days ago. OK when I say it’s “new” that’s not exactly true. I mean it’s new to me. In actual fact they’ve been running for over three months but there is still a chance to make a profit from it.

With a name that reminds one of a Frederick Forsyth spy novel they call themselves TheFifthContract and in a break from a lot of the new programs I’ve covered recently this one offers slightly longer mid-term plans that start at 30 days and run for a maximum of 60 days.

Granted there are a couple of drawbacks here, starting with their less than convincing cover story about their outside business and investment activities. They of course claim the usual ForEx expertise but that can be debunked fairly rapidly when we see that they spell ForEx wrong and the information contained in their ForEx section is not original. I can also assure you all 100% that nobody in the Euro-zone refers to their currency as “the fiber” and nobody in the UK refers to their currency as “the cable”. Wherever that bizarre idea came from I have no idea but never mind. I’d usually skip that bit completely myself anyway but I simply want to mention it here at the beginning to remind any over zealous investors reading this that HYI programs are largely gambling sites so proceed accordingly.

However now that we have that bit out of the way there are also a number of positive aspects to TheFifthContract as well.

There are three plans for you to select from here but one feature that is most unusual for this business is that the plan that carries the least risk and bears the least reward (percentage wise) is also the most costly plan to join. But you can decide which, if any, is best for yourself as I’ll run through all three here.

First up is the Beginner Plan. This will cost you a minimum of $7 to join and if you do so you will be paid 1.4% interest on your deposit every day for 60 days. In practical terms that means that if you were to make an investment of $100 here you could expect to be paid $1.40 per day for the duration of the term. That would eventually add up to $84 by the time the plan expires whereupon your original principal gets returned. Maximum deposit is $700.

Feeling lucky? The Standard Plan opens at $701 and pays an increased dividend of 1.6% per day but for a shorter period of 45 days. So this time your payments will add up to a total of 72% profit with your principal returned. Maximum deposit this time goes up to $7,000.

And finally the Investor Plan is open for deposits ranging from $7,001 to $70,000. Now as I know few people who would actually sink that kind of cash into TheFifthContract in the first place there is little point in me telling you to seek professional advice if you want to spend numbers like that. But purely for informational purposes the daily ROI here is 1.8% for 30 days. For further information speak to the admin in person.

A couple of other brief points I want to make about the plans is that first of all for those of you who like compounding then you can take advantage of that facility here. Another thing is that if for some reason you wish to leave the program early then you are free to do so. Free for a fee that is which in this case is 15%. That may seem steep but I have seen much much higher. Just keep that in mind before joining. And finally the selection of payment processors. Unfortunately TheFifthContract let themselves down a bit here by limiting the choice to just LibertyReserve and PerfectMoney. Nothing wrong with either but the program simply will not reach the heights that the admin is no doubt aiming for unless the selection improves. Especially considering (as we shall see) the fine job he has done in securing the website, it would be a shame to see that hard work not live up to its full potential simply because of the want of a couple of extra options when it comes to joining up and getting paid. And speaking of getting paid you are requested to allow up to 24 hours from the time you make your request to it being processed.

Despite the flaws that I’ve already mentioned with their business activities TheFifthContract‘s website itself is actually quite good. Well above the usual standard I would say. The script is licensed from GoldCoders and the site is hosted on a dedicated server. Not just once but twice! BlackLotus and BlockDos are both hosting a version of TheFifthContract. Not that I’m claiming to fully understand the complexities of why the admin finds this necessary but the mere mention of the name BlockDos is enough to satisfy me. They are the best and their nearest competitors are playing in a lower league completely. And another excellent feature is the inclusion of RapidSSL which is an outstanding security feature.

If you need to contact customer support then you may do so with the usual e-mail ticket system. Overall this wouldn’t be a strong point. I mean the lines of communication themselves are working fine but when it comes to transparency the details are a bit hard to come by. For instance there is no ratings page. Despite that there are a number of monitors covering the program, but TheFifthContract simply doesn’t link to them. Likewise with the main investment forums. Discussion threads are open but the admin has not deemed it necessary to publicize this. But the FAQ page isn’t bad so that should take care of at least some of your questions.

So the final verdict is one of mixed feelings overall for the program but on the other hand one of the most important aspects that I haven’t mentioned in too much detail is the fact that the program has been running (and more to the point, paying!) successfully for well over three months now. 106 days in total as I write this in fact so don’t underestimate them either. On the other hand the slow growth experienced by the program up until now could actually be the very reason for its longevity so be aware (but not afraid) of the fact that this could also be one final throw of the dice for TheFifthContract to get themselves some long overdue popularity. The optimist in me is always looking for a good run so if you like it, proceed. But proceed with caution.

Other news for today.

Since I haven’t updated my news section for the last 48 hours I will start with a serious warning regarding two programs that were listed on my monitoring page. Please note that neither EquiFex nor FlexiPlans are paying anymore. They both stopped payouts during the time I didn’t update my news section but my monitoring page itself is up to date. But if EquiFex just halted payouts without a single word the admin of FlexiPlans showed himself as a real sneaky scammer by putting false versions of the logos of monitoring sites showing his program as “Paying”. Moreover, he even sent an email trying to get even more money from unsuspecting investors. Here is the email and please don’t deposit in FlexiPlans anymore:
“You will be happy to know that all investments of $1 or above will receive 25%.
If for instance you invest $1, it will become $1.25.
If for instance you invest 100, that will be $125.
Any amount is accepted. And this offer will remain until further notice.
Also not that this offer does not affect your normal daily profit. The profit will be based on your new investment amount after the bonus has been added.
So what are you waiting for. Take advantage of this offer today.
Regards. Daniel O Shea”.

The recent collapse of two promising programs like EquiFex (after 10 days online) and FlexiPlans (after 7 days online) lends me to think that most investors now try to get into short-term HYIPs during the first two or three days but then the cash flow dries up. That is what makes the admins scam prematurely. I can’t think of any other reasons except the obvious ones of greed and stupidity. As many successful short-term programs proved in August (like TenTraders and BestInv) with good planning and management and a well thought-out advertising strategy it can last for comfortably over a month without any major hassles. Even InvestiMates ran for 77 days which was an exceptional result for what was openly stated to be a game. I think the month of September might be not so good for short-term players but hopefully there will be more programs launching soon that can satisfy the members’ thirst for good and high-quality short-term programs.

Who knows but maybe FoxiVer (reviewed here) is one such program. Running for over two weeks now and having quite sustainable plans of 107% after 5 days, 120% after 10 days, 150% after 20 days and 190% after 30 days I think FoxiVer can be a pretty attractive option for diversifying your investment portfolio. By the way, the admin of FoxiVer Jessie answered my interview questions yesterday which you can read here. And this is the latest update from FoxiVer I found on the website today:
“FoxiVer is growing so fast and we reached 400 members today!!! Referrals and Deposits contests will be started soon. Thanks for support in forums and monitors.”

Another admin that was a pleasure to interview was Garrett from PTVPartner (reviewed here). He was quite elaborate and comprehensive in his interview for my blog. Really, not every admin is so eager to chat with their members online in real time and explain in detail not only about the investment plans his program is offering but also about the investment activities which he claims to be involved with. By the way, PTVPartner currently offers four investment plans: 110% after 10 days, 125% after 20 days, 145% after 30 days and 190% after 40 days. Please read the interview that has been published on my blog today (you can find it here) for more on that. I think the investors should expect a lot of pleasant surprises from PTVPartner in the near future like the one that was announced in the latest newsletter from the admin regarding two new contests for the members:
“PTVPartner is sponsoring 2 Contests for your enjoyment.
Best Photo
We are building an entirely new website. This site will be extremely progressive and we need very good Photos for it.
This Contest will run every week for 4 to 6 weeks.
Top Pic will be judged each Sunday.
You may enter as often as you like.
Winner will receive a $25.00 Venture in the Introductory Plan.
Photos need to be very High Quality to be accepted. Resolution needs to be 1024 x 768 or better.
We are looking for scenic photos, not family. The more vivid the photo the better.
The rest of the rules are located in our forum.
You Do Not need to be an Investor to participate. You must have a PTV account however.
Affiliate Program Vote
We are considering making a change to the way our Affiliate Program is structured.
Currently, we offer a 6% lifetime referral fee. In other words, for as long as you are a member you will receive a 6% commission from and all deposits made by anyone you personally refer.
The change we are considering would be to create a Multi-Level commission structure. This would pay like so…
3% on any personally sponsored or front line referrals.
2% on second line or anyone sponsored by your front line referrals
2% on third line or anyone sponsored by your second line referrals.
We believe that this would be much more lucrative for those that actually do more than the occasional signature link. It would be less for those that don’t.
We are trying to develop a program that will allow you the greatest reward. With that said, we want you opinion.
Here is how it works.
Come to the Chat Room and request your number. The Mods there will provide you with a Unique Number and instruct you further.
You will then proceed to the Forum and Vote in the Poll for which plan you like best.
Then, you will post a reply containing your unique number.
Winners will be chosen randomly at the end of the contest.
Depending on the participation level we will run the contest from 10 to 14 days.
You may only vote once.
5 winners will be selected.
Top Prize will be – $50.00 Second prize is – $40.00 Third prize is – $30.00 Fourth Prize is – $20.00 Fifth prize is – $10.00
Investors and Investigators are all welcome.
Good Luck. Start the Experience … Free your Life
Garrett – PTVPartner Admin. The Ultimate High Yield Asset for your Financial Portfolio”.

The admin of AdsDailyPro (reviewed here) also just announced the contest where to win a prize you should answer a couple of questions. But hurry up as the prizes will be distributed on a first come, first served basis. Here is the rules of the contest from AdsDailyPro:
“We launch a brand new contest!! Contest Details:
Send the answer to the 4 questions below using tickets page and you can earn:
1st Prize: $50 Cash in your favorite payment processor (LibertyReserve, StrictPay, SolidTrustPay, AlertPay, PerfectMoney)
2nd Prize: $30 Cash in your favorite payment processor
3rd Prize: $20 Cash in your favorite payment processor
4,5,6,7,8,9,10 Prize: $6 upgrade unit in AdsDailyPro
Questions:
1) In which year I had first contact with the autosurf industry?
2) What model we will use for our new site from the AdsDailyPro network?
3) How many bonus credits receive the members just for sign up?
4) At the moment of writing the interviews how many Pro members (with upgrades larger than $600) were on AdsDailyPro?
1st member that send the correct answers will get the 1st prize and so forth. If you read this newsletter tomorrow or the day after tomorrow you should still send the answers. We may have some additional prizes for our supportive members… If you really want something to happen and think on it with all your mind power it may happen.
Have a great day, Diane. AdsDailyPro”.

I was paid today on expiry from my first deposit in Infinitum (reviewed here). I remind you that the program has a unique script which was thoroughly described in my review of the program and pays automatically on expiry: 104.2% after 3 business days, 110.5% after 7 business days, 133.6% after 21 business days. As you can imagine I was paid for the first plan but have an investment in the 21 day plan as well. I have a gut-feeling that Infinitum will be here for the long haul and with all the unique features they have it doesn’t look like just another ordinary HYIP. I’m glad to report that the admin of Infinitum agreed to answer some questions for my blog and hopefully I will get an interview from him soon for publishing.

Capitalex (reviewed here) had some serious problems with accessibility recently and I wasn’t able to access my member’s area for quite a long time. However now it seems everything is back to normal and even the profits have been credited to the members’ accounts successfully. This is what I got from Capitalex administration today:
“Due to some technical problem our daily profit for Sep 14th missed. The profit added to your account now.
It seems LibertyReserve have some problem and we can’t access mail page and API section for payment. LibertyReserve pending withdrawals will be process upon it become online and work properly.
Good Day. Capitalex”.

By the way, were you aware of some issues with LibertyReserve site today as mentioned above? I wasn’t until I got to the LibertyReserve blog and discovered that it did experience some issues:
“Dear Friends, Our system is currently unavailable due to an emergency network upgrade of our hosting provider. We hope to be back on-line within an hour.
We appreciate your support. Best, Folks at LibertyReserve.”
Apparently it happened while I was still in bed because when I was awake everything was working perfectly well again. However, this downtime broke the payout schedule of some programs like GoldNuggetInvest for example that has particular hours for processing payouts daily so for your information all pending withdrawals to LibertyReserve for the members of GoldNuggetInvest (reviewed here) will be processed tomorrow.

The admin of CedexInvest (reviewed here) sent out a friendly reminder that the affiliate links might be not working in some browsers and advised the promoters of the program to change the links accordingly which I’ve already done:
“Please note, referral links without www not working in some browser. Referral links fully working in all browser like http://www.cedexinvest.com/?ref=yourusername
More information please read on member area.
Best Regards, CedexInvest”.
CedexInvest is paying 2.4%-3.2% for 62 days with the principal returned back on expiry (only LibertyReserve and PerfectMoney are currently being accepted).

It seems that only openly (that I know of) piggybacking program in this Industry FlipReturn (reviewed here) is doing fine. And I must admit the admin beat me with his prediction of InvesTomato‘s pending demise. So I was expecting a longer lifecycle for that program but the admin of FlipReturn was right on the money. Anyway, it seems that we have similar tastes in programs anyway and I’m glad to say that almost all of the programs he invests the members’ money in are also listed on my monitoring page. Below is another newsletter from the admin of FlipReturn regarding his investments in other programs and analysis of the current market (I find it quite interesting by the way). In my opinion, every program he mentioned should be in your portfolio as they are all quality programs:
“Dear Member, today I want to give you my weekly list, but also talk about why flip is different and why we make money as a team. I believe I have proofed over the time, that flip pays quick, but also picks the right programs to make us all money. I warned last week everyone to stay away from InvesTomato, and yes I got some interesting feedbacks, like I do not know what I am doing, well looks I know. The tomatoes not even make it the full 12 days, and it was clear from the beginning. Here is why and always remember this when you pick your investments:
The admin scammed you with his former programs, and admit it (this is maybe on one site nice to tell you who he is, but more than wrong when it comes to investors, and their ecurrencies). When you lost big amounts of money, and you know the rules of AlertPay and SolidTrustPay, will you just sit there and let the admin scam you or others again? No, I am sure you want, and this is why the tomatoes were dead before he even launched his site.
I am happy to help you picking the right programs, if flip is not all you need. Remember I invest in all this programs, and this is how we generate your earnings.
PanaMoney:
For me the best program around, paying fast and its a great ROI.
GoldNuggetInvest:
Robert doing well since over one year, and I am glad to be in this program.
He pays on time, a top earner.
GeniusFunds:
As good as it gets. Modern new script, great support, fast payments and long time online. We keep investing here.
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.
Bad news his week, but expected.
TenTraders:
I said last week we did not reinvest, and I was right.
InvesTomato:
I said stay away, and I was right again.
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 their investments too.”

I have added another program to my monitoring list today. It’s called FxCapitalInvestment and was launched yesterday. The program looks good and has four investment plans: 1.5% for 30 days, 3.2% for 45 days, 117.6% after 7 days, 140% after 70 days. Personally I think that the safest option to invest is the 176% after 7 days plan as the risk vs. reward ratio is the best here. And you should certainly be aware that FxCapitalInvestment is simply a game and not a real investment company with texts having been borrowed from other sites and usual stuff about a group of experienced traders and market analysts working on the market for years. However, I would say that FxCapitalInvestment is a quality HYIP that accepts all the major payment processors including: LibertyReserve, PerfectMoney, StrictPay, SolidTrustPay and AlertPay. The script is licensed from NeverSay (Opera browser is not supported unfortunately) however the server is just a shared one from LiquidWeb. I’m not sure if FxCapitalInvestment has any kind of DDoS-protection at all but we will wait and see if the site is stable over the next few days. I’m going to review the program on my blog once I receive the first payout so stay tuned for that!

That’s all for today except to share with you my payment report about the programs that paid me for the last 48 hours. The list includes: GoldNuggetInvest, FoxiVer, Verifield, GeniusFunds, IncoForex, WLInvestments, SensibleInvest, PanaMoney, AdsDailyPro, FlipReturn, InvestmentForge, NanoMoneyCorp, AimTrust, MetaStocks, CedexInvest, StableInterest, XagaEnterprise, Infinitum, AxaCofinance, CorpusTrust, PTVPartner and TheFifthContract (the first payment received). That’s all for today and see you all tomorrow on MNO with another review and the most up to date news from the Industry you will find from any other source!