BEWARE! THIS PROGRAM HAS STOPPED PAYING! PLEASE DO NOT INVEST THERE!

Hi everybody! Tonight I’m writing from the Welsh capital of Cardiff where I will be staying for the next couple of days. It’s my first visit to Wales and though maybe not as exotic as my last trip to Iceland but nevertheless it’s not such a bad town, especially around the area of Cardiff bay. But as I doubt anybody apart from my UK based readers has any idea what I’m talking about, how about I just get on with the review, eh?

Tonight I want to talk about CSMFinance. It’s a welcome addition to the list of long term investment programs on my portfolio and I don’t mind telling you it’s one that I think might be around for a while. In fact it reminds me a little bit PanaMoney. I’m not getting carried away here remember, I mean it’s not that good. Not yet anyway, it has a long long way to go but I think you get the idea.

CSMFinance has three plans to chose from. All make daily payments but one very important feature you need to be aware that there are certain limits to what you can withdraw in any given day. I’ll get to the withdrawals in just a moment but let’s start with the deposits first.

The Starter Plan is perhaps the one that will be of most interest to investors. It’s open to deposits from a minimum of $10 up to a maximum of $2,499. The plan will run for 200 days and during that time you will earn 1.7% interest per day. Upon expiry your principal will be returned. So let’s take an example. A nice easy figure of $100. Put that into CSMFinance‘s Starter Plan and you will earn yourself $1.70 everyday for the next 200 days. At that rate you can expect to break even and see your first profit after 59 days, which when you stop to consider the overall length of the plan that really is excellent in my opinion. The next two plans are better again but unfortunately not affordable to most HYIP players. But 59 days to break even is a simply outstanding offer nonetheless. At the end of the term your payments will total $340 which is pure profit because as I said, your initial hundred gets returned on top of that.

The next plan for you to consider is The Premium Plan. A hefty $2,500 is what’s needed to join this one so if you can afford that kind of money then you know to think very carefully about what do do with it. CSMFinance pays 1.9% interest per day in this plan, which accepts deposits up to a maximum of $19,999. The investment term is also 200 days and when it expires your principal gets returned.

The third and final plan is called The Exclusive Plan. As this one is only open to deposits of $20,000 and more I suggest you speak personally to the owner of CSMFinance for further details. But just to satisfy the curiosity of any readers the rate of interest is 2.1% daily in this one.

A couple of other important points about the plans start with the all important issue of the maximum daily withdrawal limit. It’s really quite simple. The more you deposit, the more you are allowed to withdraw in any 24 hour period. But don’t worry, it’s not actually as restrictive as it sounds! In fact you are allowed to withdraw your full interest payment every day. For instance, if you have between $10 and $100 deposited with CSMFinance you are only allowed to withdraw a maximum of $10 per day. No big deal. You’re only going to earn a maximum of $1.70 per day in any case so it only applies to those who wait for weeks on end before requesting their payments. Not a practice I’d recommend by the way yet I am continuously surprised at the number of people who continue to work that way. Anyway, for your information here is a list of the maximum withdrawals allowed from CSMFinance as pertaining to the size of your deposit:

$10 – $100: Daily withdrawal limit: $10
$101-$300: Daily withdrawal limit: $30
$301-$500: Daily withdrawal limit: $50
$501-$750: Daily withdrawal limit: $75
$751-$1000; Daily withdrawal limit: $100
$1001-$2499: Daily withdrawal limit: $250
$2500-$5000; Daily withdrawal limit: $500
$5001-$19999: Daily withdrawal limit: $2000
$20000 and up: Daily withdrawal limit: Unlimited

I guess that’s really going to affect those making more from referral commissions than the regular investor, but it should probably go some way towards protecting CSMFinance from being depleted of massive amounts of cash in any one day. Restricting withdrawal amounts can be an unpopular way of doing this but as I said it’s really of very little importance to the majority of investors and at the end of the day it’s only being done to benefit the long term stability of the program which is good news for all who join.

The other important point is the payment options. Right now they’re a bit limited to LibertyReserve and PerfectMoney. Sorry if this is beginning to sound repetitive to regular readers but a lack of choice will, in 95% of cases, hinder an online HYIP from reaching it’s full potential. On the plus side however, CSMFinance also accept bank wire transfers. Now while I personally know only a handful of investors who use this method, the sight of it being accepted is always a welcome one. Even if you don’t actually use it, it can still say a lot about the long term intentions of a program. Ok, so it doesn’t guarantee anything, but it is a damn sight more difficult to pull a quick scam if you are doing this and there is always a paper trail that requires more effort than the average online HYIP can make to cover up.

Long term plans that allow you to profit after such a (relatively) short period of time will by itself provide a massive boost to any new program trying to establish a solid reputation for itself, but when we look at the security of CSMFinance we can see real quality. Hosted on a dedicated server is the bare minimum standard we should be demanding anyway and CSMFinance delivers that much. However their hosting provider is Dragonara, whose reputation as as outstanding service provider in this field is amongst the very best. Expect few problems on that front, and none of any serious consequence. The script is unique to this program and features some interesting features unseen anywhere else. One such feature for example allows members to see the results of their alleged trading activities, echoing PanaMoney to a degree. They also have the added layer of security that comes with 256 bit SSL encryption. Overall in fact my first impressions were of a vastly superior program to many of it’s low ROI rivals. One look at their site and I think many will agree immediately.

The means of communication and customer support are also well up to the same standards as any of the main players in the industry. But of course the first thing you should look at before trying to contact the admin is the site itself. The Help Page provides you with a series of animated step by step lessons in how to sign up and deposit. It’s almost like looking over somebody’s shoulder and then copying them. However should you have a more pressing question not explained on their website you may choose from any number of options including submitting a support ticket, e-mailing the admin directly, and getting your questions answered in real time via Live Chat. Please note though that this is not a 24 hour service. CSMFinance also furnish us with a postal address in the Dominican Republic and a contact telephone number. This may just be a cell phone number by the way as I know that in many places around the world including the Dominican Republic fixed landline telephones and mobile phones share the same area (dialing) code.

The chosen line of business for CSMFinance is investing in all manner of projects from gas to medical research. The list is there for you to examine and seek proof if you require it. There is also a certificate of incorporation for the company issued in the Seychelles. I don’t know if it’s genuine, and sorry to be blunt but I have little interest in finding out. I’m approaching this as I would all new online HYIPs and will reserve judgment on it for another day. Should the authenticity of this certificate have a major bearing on your decision to join CSMFinance then I suggest a quick search on Google will put you in touch with the relevant authorities in the Seychelles with whom you can discuss the matter online.

From my own personal point of view however, not speaking as a monitor but as a regular HYIP player who likes a gamble, I have to say I am quite enthusiastic about this. It’s been professionally researched, planned, designed, and executed from the start and I for one am happy to enjoy a piece of it. This is sure to become one of the leading long term options for investors and it could really flourish over the coming weeks and months.

Other news for today.

The most shocking news of the day came from GainRoi who’s AlertPay account has been locked for some reason. And it’s not the first time when AlertPay somehow restricted the account of a promising program. Due to this I decided to postpone the review of GainRoi on my blog until everything is back to normal. It seems that the admin of GainRoi has no doubts that everything would be alright very soon (he told me in private that he suspected one particular jealous competitor to be behind this action/complaint to AlertPay trying to destroy his program). Joshua mentioned that a solution is on the way and that hopefully AlertPay will soon be reinstated as their main payment processor. If for some reason that doesn’t happen the admin is going to refund everybody that invested via AlertPay and continue with the four remaining payment processors. Knowing that so much time, effort, and money was put into the creation of GainRoi I have little doubt that the program will overcome these obstacles eventually. There were many examples of programs that faced obstacles from the beginning that became even stronger and more popular because of the right actions of the admin. And I get the feeling we are dealing with an admin who knows exactly what to do. I didn’t notice any panic among AlertPay investors and hopefully the members of GainRoi will stay calm and not allow some bunch of low-lives destroy the program before it has a chance to really expand. In his latest update explaining the situation today the admin of GainRoi Joshua blatantly stated that his program is a game like all other short-term programs. It was hardly a revelation for me but at least the admin didn’t try to deceive us with the same old fairy-tales about Forex and stocks trading but rather got things straight. As you might be aware I’m a huge fan of such an approach and I believe that with this attitude GainRoi will overcome and be a winner at the end. We will wait and see anyway! But for now I believe it’s not the right time to review the program until the situation with AlertPay is resolved. Here is the latest update from GainRoi in case you haven’t received it:
“Dear Friends, GainRoi is growing at a steady pace and we are expecting to cross 1000 members in the next 2 days. Many thanks to those well wishers who admired our website and the plans that we have on offer. It’s unfortunate that there are a few out there who have no clue on what they are talking about or hinting on, but simply want to damage our reputation that we are trying to create.
It’s because of these one or two people, and their so called absurd and false allegations, we are compelled to shoot this message.
We are new in this field and we have started with a clean slate. Those who feel that we are here to create catastrophe, please stay back in your burrow, we are not encouraging you to join our program.
There is a sea of HYIP programs out there, and it’s against our principles to defame or badmouth any such online investment program. The point here is that so long as you are getting returns from any such program, you are a gainer. HYIP programs can last for a long time giving continuous returns. There are some good example out there if you check the monitors.
Those who have lost money in the hype, probably would have shelled out more than what they should have invested, thereby getting a sharp pinch, regretting their move.
Like casino, black jack and roulette, HYIP is a game, if you are in luck, you make good returns, if you are not, you don’t. All Hyip’s have to close down one day, when stagnation sets in.
We intend to be there for at least 6 months, based on the business platform we have got. We definitely would like to last beyond that, but for now we are very focused.
To those hungry ears, our AlertPay issue will be resolved very soon. AlertPay is always our most preferred payment processor, and we don’t hesitate to say that.
Some smart fellow out there is trying to pull our strings, funny part is that he won’t get anything out of it. Once a loser, is always a loser.
So friends, GainRoi is here to help you gain on your extra and spare funds, kindly don’t sell your house and car and invest everything. Use your senses and take calculated risks. You should succeed that way.
Happy Investing.”

Considering these actions from AlertPay I believe it would be unreasonable to demand such well-known programs as GoldNuggetInvest (reviewed here) to add AlertPay to their list of payment processors. I’m aware of the investors’ attitude towards AlertPay (mostly because your money can be returned in some cases) but to restrict a verified account is kind of a puzzle to me. Anyway, AlertPay is seemingly the most preferred payment processor among the readers of MNO blog as 38% of all the votes in my poll on the most reliable payment processor are given to them. If you haven’t voted yet I encourage you to do so (you can find the poll just under my ShoutBox). Meanwhile, as you might be aware MoneyTurbo (reviewed here) started accepting AlertPay since yesterday when their account finally became verified. It seems though that many members are unfamiliar with the Neversay script and had some difficulties adding their AlertPay accounts and depositing. So if that includes you the admin of MoneyTurbo (read my interview with him on my blog soon) kindly offered the following explanation to ease the process. (There are three investment plans in MoneyTurbo of 110% after 3 days, 125% after 7 days and 260% after 30 days available for investors):
“In order to use your AlertPay account automatically for all your transactions you have to specify it inside your member area.
1. Log into your member account.
2. Click “Change my password” link at the bottom of the page.
3. Input your AlertPay account into the correct field and click “Add” button.
You are done!”

Surprisingly StrictPay payment processor is running in second place with 21% of my readers considering it to be the best. In my personal opinion StrictPay is definitely the best payment processor offering a lot of depositing and withdrawal options and competitive transaction fees. It seems the admin of PTVPartner program Garrett (interviewed here) shares that opinion and that’s why in his latest update he promised to add StrictPay to the list of payment processors soon as well as dismissing the rumors about the implementing of AlertPay and SolidTrustPay. For now the most promising new e-currency called GlobalDigitalPay was added as the third payment processor among LibertyReserve and PerfectMoney. I remind you that PTVPartner has four investment plans that pay on expiry: 110% after 10 days, 125% after 20 days, 145% after 30 days, 190% after 40 days. You can find more detailed info on PTVPartner in my original review published here. According to Garrett’s words PTVPartner is growing strong and we should expect more new features along with the renewed site pretty soon. Here is what he has to say:
“We have had quite the exciting last few days. Lots of people are visiting and enjoying the chat room and the Moderator staff there, as well as each other’s company. Many Positive remarks found all over the internet HYIP forums is a great indicator that our members are happy, full of praise and actually very excited about all that is going on here at PTVPartner.
Our Alexa Rating is getting better every single day.
More and More members are hanging out at our chat. PTV is the Place to Be.
Withdrawal Requests go out like clockwork, as always.
Support tickets are few and far between. No issues of any severity to report. Kind of a,… “laid back jack”..lifestyle. Just good times…good friends…good attitudes…on time payments. What more can I say?
I will tell you that, the new, website is getting closer every day. There should be some updates to it in the next day or two, then the completion could be next week, if we are fortunate.
We have made some decisions regarding AP and STP. Since they are not offshore and potentially can cause challenges for us with respect to their government’s decision to allow or disallow participation in programs like ours. According to our terms of service, you are responsible to determine if your government will allow you to participate here or not. We are not required to uphold a KYC policy. However, if your government does not allow you to participate, then don’t. We would prefer you to remain out of our program than participate here and cause problems. We are not going to police this. What we are going to do is protect ourselves, this program and those that are in compliance. We encrypt databases, maintain a SSL for correspondence purposes and remain offshore or in protected jurisdictions that provide for our members a safe program to participate in. Unfortunately AP and STP do not provide this for you or ourselves.
We now have verified accounts with GlobalDigitalPay. GlobalDigitalPay (GDP,.. in case you like acronyms). This is the ecurrency that was created by London Gold Exchange. LGE, is a highly favored, renowned and a pioneer in the ecurrency business. They have a very good track record, and we are certain that they will provide a very good ecurrency. Here is what their website has to say….
“GlobalDigitalPay is fully owned by Digital Trade Network Ltd, a British Virgin Islands company, incorporated in 2008. Its owners have been involved in the digital currency exchange industry since 2002.
After many turbulent years of fraudulent or incompetent digital currency payment providers creating uncertainty and mistrust in the industry, it became obvious that a new digital currency was needed urgently.
This new digital currency had to be immediately accepted as trustworthy and managed by an experienced team that had an existing track record of consistency, honesty and credibility. Hence, GlobalDigitalPay was founded.”
We encourage you to check out their website and consider them as an alternative to AP or STP.
In addition we are submitting our docs to StrictPay. StrictPay is another Offshore ecurrency. They are well liked and have reportedly very good customer service. We are certain this is going to be a well received decision.
Further, we are looking into the addition of 2 offshore financial institutions. This may take a few more weeks to complete. Once we add these, If we add these, they will offer many additional services for you as members including offshore entities at very reasonable prices, debit cards as well as other fiduciary products and services. We will release additional information once it is in line and accomplished.
Great things are happening. You need to come by and check it out. It will take very little time for you to see why we say…
Start the Experience … join PTVPartner and … Free your Life!!!”

Just after I published my interview with the admin of FxCapitalInvestment today (read it here) I was paid on my first deposit 117.6% after 7 days on expiry. You can read about the other plans in the interview as well and also in the detailed review of FxCapitalInvestment published on my blog here. This is the latest from the admin of the program Greg (Forex news has been skipped deliberately as I don’t think it has anything to do with this program):
“FxCapitalInvestment welcome all new members, I also want to use this opportunity to announce to you that all payment have been completed for today. All free member are advised to buy ad pack or will be deleted from the site. This is to reduce the load on the server.”

Unfortunately FoxiVer program is going straight to Problem status on my monitoring page as it seems that the admin of the program ceased all communications with the investors. I have three pending withdrawals already so I have moved FoxiVer to Waiting status which will be changed to Not Paying in 24 hours. Please be aware of that and don’t make any deposits in FoxiVer for the time being!

All other programs seem to be doing well and paying. Today I was paid from the following programs: CSMFinance, GoldNuggetInvest, FlipReturn, PTVPartner, Verifield, IncoForex, SensibleInvest, NanoMoneyCorp, GeniusFunds, WLInvestments, MoneyCare, GainRoi, FxCapitalInvestment, AxaCofinance, MetaStocks, Infinitum, MoneyTurbo, CoolReturn, InvestmentForge, XrateInvest, InvestRoyal, ProComInvest, TheFifthContract, CedexInvest, XagaEnterprise, GlobalFund, PanaMoney and WOIC (the first payment received). See you on my blog tomorrow, guys!