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

Hi guys! As the general trend continues to move slowly but surely back towards medium to long term programs once again in the HYIP industry, today I’ll be looking at a promising new investment program called InvestRoyal that is offering some interesting mid term options. But don’t get me wrong here, there is still room for short term high ROI programs in my portfolio and I will continue joining them if they are good enough. I just mention it because I can’t help but notice that the longer term options seem to be very much in the ascendancy again.

Not that one could call InvestRoyal a long term program by any stretch of the imagination either. Their three investment plans run from anything from 25 days to a month, barely enough to test the patience of even the most insistent investors.

As we all know there are good and bad aspects to all online investment programs and of course InvestRoyal is no exception. So I’ll try and run through the pros and cons of getting involved here and hopefully it will help you come to a decision one way or another to either join it or forget about this one and wait for something more interesting to come along.

Anyway, the three plans come with payout options that vary between daily, weekly, and on expiry. The first of these offers a daily rebate of 1.1% interest on your deposit for 25 days. That deposit needs to be between a minimum of $10 and a maximum of $50,000 so I guess that’s just about all of us! So at that rate of interest your payments will eventually add up to 27.5% profit by the time the plan expires with your principal then handed back. If we take a sample investment of $100 it means you will be paid $1.10 per day, adding up to $27.50 by the 25th day and then your initial hundred gets returned.

A more profitable option would be the second plan on offer from InvestRoyal. Deposits are again between $10 and $50,000 but the reward this time is a little better. This time you are offered four weekly payment of 9% interest with your principal again returned at the end. So if we put our $100 in here we can expect $9 per week for 4 weeks, adding up to $36 upon expiry when we then get or original given back to us once again.

And finally for the brave we have the third plan that makes a one time payment on expiry. Again the amounts accepted for deposit are the all encompassing figures of $10 to $50,000 and the investment term is one month. All things going according to plan you should see yourself emerge from this one with a grand total of 142% of your deposit. Or in other words join with $100 and leave with $142. That of course also includes your principal.

So what about the payment options? Well if I told you that InvestRoyal accepted no less than six different payment processors you might find yourself feeling mighty impressed. However if I told you that three of those options are C-Gold, Pecunix, and EcuMoney then you may be feeling less so. The other three options are LibertyReserve, PerfectMoney, and StrictPay so really standard fare for an HYIP of average quality. Please note that at the time of writing SolidTrustPay is not yet accepted as InvestRoyal‘s account is undergoing verification. If you are among the many fans of this payment processor as I am and prefer to wait for this, then please check back with money-news-online on a daily basis and I will make sure to report on it the same day it happens in my news section. Until then, there’s nothing wrong with LR, PM, or SP either, but the admin could do with adding a couple of Canadian processors to the list to really open things up for his program.

So interesting plans impeded by the lack of payment options. Well, maybe not a lack of options but an overabundance of unpopular ones. Let’s see if the security and design will compensate any.

And I’d have to say yes. A very attractive, easy to navigate and user friendly layout is perfectly complemented by a licensed GoldCodes script and a hosted on a dedicated Staminus server (the best) and protected by the always dependable Koddos, who are fast becoming one of the most respected service providers in this field. SSL encryption adds that extra layer of protection, so all in all InvestRoyal comes up smiling on that front.

Customer support should you require it is available via the usual online e-mail ticketing system. There is also a postal address published but as it’s in Belize I obviously have no way of verifying that. But to be fair to InvestRoyal it is listed as a “contact” address. So that does not necessarily mean that if you call there you will find them. It’s just where you send your mail to be collected or forwarded and nobody is claiming anything else as far as I can see. On an unrelated note though HYIPs always seem to turn up in some tropical paradise. Just once I’d love to see someone register a program in Greenland, lol! You may also contact the admin via a direct e-mail link. A small number of monitors are keeping an eye on the performance, I guess everybody has their favorites, and discussion threads are open on three of the main investment forums if you want to pursue anything publicly. The program is just three days online (I should have mentioned that earlier) so it remains to be seen how active the admin will be on those forums, but at least the threads are there for you.

Sorry to (as usual) skip over the supposed business activities of InvestRoyal but as their texts are a straight copy/paste from another actual financial institutions website I see no reason to waste my time by commenting or your time in reading anything other than I really do not believe their cover story about being “ one of the world’s leading investment firms”. Anyway, that information is on their homepage and you can read it for yourself. Believe it if you wish.

Personally I’ll take InvestRoyal as a regular HYIP. Average in some respects, above average in others, but not really requiring too much work in order to vastly improve it either.

Other news for today.

Let’s start with the news from the #1 program on my monitoring page – GoldNuggetInvest (reviewed here). Despite the admin Robert going to hospital with serious dental issues (my sympathies Robert, it happened to me in July. Ouch!) it didn’t affect the payouts in any way. As the best program online GoldNuggetInvest simply does not pass excuses (especially if they are of a personal nature) and all the members are getting paid in time. As you might be aware there were some problems recently with the LibertyReserve deposits not being credited to the members’ accounts instantly. The problem seems to be solved now and one of the support staff in GoldNuggetInvest announced on forums that all missing LR deposits would be credited to the members’ accounts soon. Here is what he has said:
“LR missing deposits was caused by API failure at LR’s end. However, deposits from LR have been going through smoothly again for the past 8-10 hours. We’ll now compile a big list of those missing deposits and work through it big time. Please bear with us.”

There was a policy adjustment in SolidTrustPay‘s terms of service which may be of interest to members of HYIPs with deposits over $10K. GoldNuggetInvest springs to mind here as I know there are many but it applies to more than just them. The thing is that in compliance with Canadian law (where SolidTrustPay is officially registered and located) there was a limit installed for sending or receiving money to/from/ one and the same account. The daily limit is set to $9,999 so if you wish to deposit or withdraw over and above that amount to any particular program (GNI for example) via STP you should split your investment into two or more parts. Respectively the STP merchant can’t send you withdrawals for over $9,999 in one daily payment, so you will be paid two or more times. More examples on how it works can be read in the important update from SolidTrustPay payment processor:
“In order to comply with federal regulations concerning payment processors in our jurisdiction (Canada), new maximum transfer levels between members have been implemented.
Members may receive one $9999 payment from any member in a 24 hour period. Members may send one $9999 payment to another member in a 24 hour period. This only applies to the “Transfer Money” option, and NOT when purchasing a product or service from a verified Merchant’s website.
NOTE – members are welcome to send or receive $9999 to/from as many members as they wish daily, just not more than once to/from the SAME member.
Example #1: you wish to send $15,000 to the same person as an instant Transfer Money transaction from the Transfer Money area of your STPay account. You will need to send one transfer of $9999 one day, and the balance the next day. NOTE – you are NOT clicking on a Buy Now button at a merchant’s website. There is NO limit on the amount you may spend when at a merchant’s website.
Example #2: you are expecting a $15,000 payment from another STPay member. You cannot receive more than $9999 per day, so the member will need to split your payment request into two separate amounts and send one per day.
Example #3: You wish to purchase a product or service at a Verified Merchant’s website for $15000. Click their PAY NOW button or other provided similar method, and your entire purchase amount will go through instantly.”

If you forgot to withdraw from SazaInvestments (reviewed here) this week then I can’t help but say I told you so. The withdrawal button is now disabled again until next Friday with all the existing withdrawal requests submitted today having been processed:
“All payments has been done again. Next payday will be next Friday. Thank you all for your trust in us. Regards, SazaInvestments Team”.
And if you somehow have your withdrawal request back to your account and not processed please double check you made a withdrawal request the correct payment processor (the one with which you deposited with). The admin of SazaInvestments Ricardo (interviewed here) reminded again that his program is not a free exchanger and that everybody is entitled to make the withdrawal requests only to their original payment processors. Here is what he had to say about that:
“Please don’t keep request your withdrawals on other payment processors or accounts then the ones used to invest with us. We don’t do exchanges. We manually verify any withdrawal request and we will return to account balance any request made on other payment processor then the one used to invest. Any member that got refund in account should understand that this happened because they didn’t request the withdrawal on the same payment processor used to invest. You just make us work more and slow us down by doing this. Also please put the right account number in the details of your request so that we don’t have to keep searching on payment processors your right accounts number to be able to pay you. Thank you for understanding. Regards, SazaInvestments Team”.

It seems that PTVPartner program (reviewed here) is really taking off and the admin of the program Garrett (read my interview with him here) couldn’t help but notice a couple of bigger investors with 4-digits deposits into the program. If you’re looking at ways to diversify your portfolio PTVPartner might be the one that you’re looking for. You could certainly do a lot worse. It offers four investment plans with different minimums: 110% after 10 days, 125% after 20 days, 145% after 30 days, 190% after 40 days and accepts LibertyReserve and PerfectMoney (with the possible addition of AlertPay coming soon). Garrett just made available another convenient feature for the members not in too much of a hurry to withdraw their earnings but rather preferring to redeposit them straight away. From now on you have an option to reinvest without withdrawing and you can find the button just next to withdraw money balance in your members area. In his latest update sent for all the members of PTVPartner Garrett also mentions the multi-level referral commissions the site is offering to its active promoters, expected time frame for a new site to be ready and two contests which are currently running. Here are the details:
“All Withdraw Requests for 9.17.2009 were Processed On-Time and In-Full
I wanted to present you with a few moments of the latest news regarding PTVPartner.
What a turn out we have had. Seems Like all of a sudden the flood gates were opened and here they come. No doubt word is getting out; investors are looking, liking what they have found here and getting involved. We can now say we have some really serious investors. We have had several participants come on board and pony-up mid-to-high 4 figure investments into the Prestige program 40 day plan. Today was another record breaking participation day and we are pleased with the quality of the investor as well. We have over 600 total members with numbers increasing by the hour.
We still have our contests going. If you have not heard about our contests then you need to come see what the entire ‘buzz’ is about. We have two contests, for members and non-members, which include a top prize of $50.00 All you have to do is stop by the chat room, receive your special number and vote in our poll. Don’t miss this!
In regards to our affiliate program and possibly making changes from 6% to a 3-2-2 multi-level commission structure. The for’s and against are running neck and neck. Listen. This may or may not affect you now. But it will. There is no doubt in our minds that this program will join the ranks of the HYIP elite. You ARE going to be a part of this You WILL have referral commission revenue So you SHOULD make your preferences’ known What can hurt Come by and vote. It is easy It is free It is painless And it could pay off.
We added a new feature to our site today. We have had several request from members wanting a way to re-deposit their funds without using the compound feature and without waiting 24 hours for the withdraw requests to process. So, in answer to their requests we created a re-deposit feature. If you decide you want to re-deposit in to the deposit account, you can use this simple feature to do so. This will save you the 24 hours and give you an extra day of interest without using the compound feature. If you prefer to first withdraw your funds and manually redeposit, then by all means feel free to do so.
Our new website is coming along fantastically. We are already way ahead of schedule. As soon as we get the main page and 3d rendering completed we will display it for you to get a glimpse of what we are doing. It looks like we could finish in 2 to 3 more weeks instead of the 6 to 8 we expected. I cannot wait for you to see this site.
We are fast becoming the talk-of-the-town. So come see what all the excitement is about.
Start the Experience … join PTVPartner and … Free your Life
Garrett – PTVPartner Admin. The Ultimate High Yield Asset for your Financial Portfolio”.

I have joined two new HYIPs today which I’m going to introduce to you now. The first one is called GlobalFund. The name obviously won’t mean much to you until you find out the plans. They are kinda weird in my opinion, but at least they’re unique. First of all there is a plan offering 0.5%-2.5% for 300 days (minimum $5). Next, there a plan offering 10%-30% daily for 365 days (the minimum is $500) so even with the minimum deposit you have a chance to receive 3650% profit within a year (which seems almost unbelievable). But hold on! Here is yet another plan offering 8%-12% daily for 365 days ($50 minimum to invest) but you can withdraw your principal and profit which will reach 2920% even with the minimum deposit only AFTER one year. In my opinion, the last one is a very risky one and it is certainly recommended for extreme gamblers only, lol. Anyway, GlobalFund was launched two weeks ago and exclusively accepts LibertyReserve only. I can’t say it’s a bad option as we know some successful HYIPs (like NanoMoneyCorp for instance) that accept only LR and can last for years at the same time. Will GlobalFund become such a successful program? Only time will tell. I find the program quite an interesting option and if my guess about the ownership of the program is correct we can expect a very long run online from this one. I’m well aware I can be mistaken which is why I prefer to keep my personal speculation strictly to myself. GlobalFund is hosted apparently by CyberCobra website (I’m not 100% sure but it looks like they offer dedicated server with DDoS-protection as well). The script is kinda unique and after opening an account in GlobalFund you will be requested to deposit money first and then choose the desired investment plan. I had problems with an LR deposit not being credited to my account (due to afore mentioned issues with LR) but the admin fixed everything pretty fast so my experience with him has only been positive so far. The review of GlobalFund can be expected on my blog after I receive the first payout from them (needless to say that I have chosen the first plan paying 0.5% daily for 365 days).

The second program that will be reviewed on MNO blog shortly is MoneyCare (nice name, isn’t it?). The originality of this HYIP is in the Belize extension of their domain name and claims about Belize registration (you might remember that GoldNuggetInvest is also officially registered in Belize now). There is even the number of the officially registered company MCare Ltd. provided on the MoneyCare website. They claim that at least 80% of your principal is safe and provide you with a certificate of incorporation and their official address in Belize. What I like about MoneyCare is that they are hosted by DdoSWiz on a dedicated server protected from DDoS-attacks, their identity is insured by Comodo and their domain is registered for 10 years. MoneyCare also only accepts LibertyReserve e-currency (however in both USD and EUR denominations) with the minimum of $20. You don’t need to register on MoneyCare website to make a deposit into one of the plans: 2%-3% for 50 business days (principal return) and 12%-18% weekly for 10 weeks (with principal return). To make an investment all you need to do is click on the Invest Now tab and choose the amount you wish to invest, your LR account (USD or EUR) and specify your email address. There is no confirmation email and you will be receiving your daily or weekly payouts directly into your LibertyReserve account without request. According to MoneyCare website you should expect the daily interest to be paid to your LR account every business day (Mon-Fri) around 10 am EST. MoneyCare has been online for over 3 weeks and so far I heard only positive feedback on them. Hopefully MoneyCare will keep going for as long as possible and of course you should expect a more detailed review of this extremely promising program on my blog soon.

That’s it for today. Hopefully you found some interesting info that was useful for you as well. I’ll just finish with the list of programs now that paid me for the last 24 hours: GoldNuggetInvest, XagaEnterprise, FoxiVer, FlipReturn, GeniusFunds, IncoForex, MetaStocks, WLInvestments, PanaMoney, SensibleInvest, SazaInvestments, AxaCofinance, NanoMoneyCorp, PTVPartner, TheFifthContract, CedexInvest and InvestRoyal (the first payment received). Enjoy the weekend everyone and see you on my blog tomorrow!