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

Hi everybody! Looking back on some recent news events from the HYIP world over the last week or so I think it might be a fair comment that the publics virtual love affair that dominated the industry for the second half of the Summer seems to be cooling off as of late. With the outlook appearing bleak for more than one program it’s small wonder that many investors are returning to some old long term favorites in their droves.

But “there’s life in the old dog yet” as they say and despite the gradual shift away from short term programs, EquiFex is a new one that has what I believe is what it takes to achieve a high level of success. It may well become the number one online short term program over the next couple of weeks in fact. OK, so the competition is dwindling but you get the idea.

So what’s so different about EquiFex to make it such an improvement on its recently launched competitors? Well for one thing there is a huge variety of plans. In fact there is a total of six of them all together but they are broken down into two sections. The Premium Plans pay on a daily basis while the Professional Plans pay on expiry. So let’s start off with the daily ones.

First is Premium Plan A that offers 22% interest per day for 5 days. Minimum amount to deposit here is $100 and if that looks a bit steep to you then don’t worry as EquiFex has more affordable options. But in practical terms if you were to make that minimum deposit it would mean you would receive a daily payment of $22 per day for 5 consecutive days. That will be a total of $110 by the time the plan ends meaning 100% principal plus 10% profit. Maximum deposit is $5,000.

Premium Plan B is more profitable, more of a risk, and yet almost perversely for this industry more affordable. A deposit here will have to be a minimum of $50 though the maximum remains at $5000. And in return you will be paid a daily rebate of 10% for 12 days. So put $100 in this plan and receive $10 per day which means you break even after 10 days, see a profit after 11 days, and complete the 12 day cycle with a total of $120. Or 100% principal plus 20% profit.

And finally for this section there is Premium Plan C. The plan with the highest reward so therefore carries the highest risk. But again the hook that will get many people on board here is the knockdown price of just $10 that it will cost you to join. The daily rate of interest this time drops to 5% and the duration stretches to 30 days. So what will that mean for our theoretical $100 investment? For one thing it means a daily payment of $5. 20 days later you will break even and see pure profit from that day until day number 30, by which time you should have amassed a grand total of $150 made up of 100% principal with 50% profit. Maximum deposit is unchanged at $5,000.

OK, none of those plans are bad. It’s an achievable goal with the profits being both achievable and fast. And with the minimum deposit going down as the profit goes up, it strikes me that the EquiFex admin is looking to get more people involved rather than just money. Yes, I know he wants money too (I’m not so naive!), but it’s aimed at more small investors instead of fewer big ones. And that will help the promotion of this program to no end.

Moving swiftly on we come to the Professional Plans, of which there is also three. Your profit is still calculated by the day but as you don’t get paid until after expiry here that will be how I describe the earnings here.

Starting this time with Professional Plan A, investments here start off once again at $100. The term runs for 5 days and upon expiry you can expect 120% back including your principal. So for the benefit of anybody who slept their way through grade school maths a $100 investment here nets you $120 back including your initial spend. Maximum spend is $5,000.

Professional Plan B has an almost surf-like appearance to it with its offer of 144% total repayment made after 12 days. As in the daily payments section, the minimum to deposit here gets a little more affordable with the price dropping to $50. So anyway, put $100 in here and EquiFex will pay $144 back which includes your principal. Maximum deposit is still $5,000.

And finally we come to the most high risk plan from the six on offer. And again, bizarrely the most affordable. The Professional Plan C is open to deposits of just $5 and again goes all the way to $5,000. The enticement this time is the chance to earn 210% back after 30 days. That’s double your money and something for the bus home too! So to spell it out if you invest $100 you are offered $210 back, which includes your principal, 30 days later.

From recent experience I feel that the majority of investors joining EquiFex will probably favor the daily paying Premium Plans. No disrespect to the Professional Plans, they are also worthwhile options, but the simple fact of the matter is that people are getting cautious with many who made huge profits from the recent Summer bonanza opting to reinvest some of their money with low ROI programs and keeping the rest for reinvestments with the lowest risk options from their high ROI counterparts. Or at least that is my understanding of what so many MNO readers are telling me they are doing.

Some other points I need to bring to your attention before we put the plans behind us is the cost of investing with EquiFex. Because of the particular script they use being more associated with autosurfs, by default you are only able to deposit in blocks of $10. Therefore you may spend $10, $20, $30, etc. You may not however deposit $11, $21, $31, and so on. The other thing is the payment processors. There are six of them available and they include AlertPay, LibertyReserve, PerfectMoney, SolidTrustPay, StrictPay, and finally the latest player to arrive on the payment processor scene, RoutePay.

If I might digress from the review for just a moment I should think that few of you will be familiar with that last name. Indeed EquiFex is the first program on my monitoring list to accept this new RoutePay processor. I intend writing an article on them after I get more familiar with their features. And when I find the time.

But getting back to Equifex, the security is quite acceptable with the site being hosted on a dedicated Staminus server with protection from DDoS attacks by Koddos. They are running off a licensed script from Neversay. The admin I have to say has also proven to be quite communicative and does seem to have a clearly outlined plan in mind for his program. You can contact him via the usual e-mail ticketing system on the EquiFex website or via the Live Chat feature when he is online. Discussion threads are also open on the main investment forums.

And he’s also proved to be quite active when it comes to the promotion of EquiFex with the upcoming referral contest, and the support of its members with his recent launch of a blog to keep members informed of all goings on and the promise to respond to all e-mails within 24 hours. That’s more than I can manage on my blog so good luck to him!

Other than that I think I have made my feelings clear about the investment plans and their validity. Make your own mind of course, but at just shy of 800 members on day five of the program’s life I think it’s fair to say that many investors would seem to agree with me. EquiFex is one to watch.

Other news for today.

First of all I will just briefly continue with the above reviewed EquiFex theme. It seems that the program is doing really great with all the fast payouts, responsive admin and a huge variety of investment plans that will suit most everybody. The following update contains not so much new info but rather stating the fact that the program is doing fine. Read for yourself:
“We hope you are having a wonderful time with EquiFex. This week started really great for EquiFex with a constant growth in the number of investments and members, everything is working just right for us and we are sure going to have you feel all of these in benefits and extraordinary returns.
EquiFex now has an officially Blog, details about our website can be found there. We have had about three reviews by some of the leading online investment blogs and we hope to get reviewed by MoneyNewsOnline later today, please read our reviews which have been added to the main page of our website.
EquiFex continues to processed fast payouts daily, we thank you all for posting proof of payments in forums and monitors, It’s very appreciated. Our supports are on 24/7 we are open to answer all your inquiries.
This is all for today. Enjoy your earnings with EquiFex!
Sincerely, Alexander.”

Some new features have been added to undoubtedly one of the most popular low-ROI programs around now GeniusFunds. From now on you can also make your deposits via StrictPay which has become the fifth payment processor accepted by them (along with LibertyReserve, PerfectMoney, AlertPay and SolidTrustPay). I remind you that the major plans GeniusFunds is offering to its investors are: 1.0%-1.9% daily or 6%-9% weekly with the principal returned back after the original investment term expires. More on the investment plans and a complete analysis of the program can be found in my detailed review of GeniusFunds program published here. Amongst the new features introduced by the admin include the instant transfer of money between GeniusFunds members. You can read how in the newsletter below:
“We at GeniusFunds are committed to providing the best possible service to our investors. The following improvements have been implemented recently that I believe you need to know about.
Internal Transfer Option
Investors now have a possibility to transfer the funds that are available for withdrawal to other GeniusFunds investors free of charge. Transfers are instant and there are no limitations placed. You will find the Internal Transfer option inside your account menu.
StrictPay
As of this week, for your convenience, you may use StrictPay to deposit and withdraw funds from your investment account. StrictPay is an excellent payment processor that accepts wire transfers, ACH transfers and issues its own branded debit card.
If you have any questions or comments about the above-mentioned improvements, or if you have any questions about our investment products, or the investment process itself, please don t hesitate to contact me directly at any time.
Best Regards, George Schale. Genius Investments Limited”.

The site of InvesTomato (reviewed here) was offline for a short while today but it’s back online again now. I’m not sure what the reason behind the downtime was but hopefully it will not affect the growth of the program too much. The admin (Roger) sent out his first newsletter today where he reminded everybody about the need to promote the program efficiently in order to keep it going. Also he asked the members of InvesTomato to support the program by the posting of positive votes about received payments on forums and monitors. It seems that many online players still have a bitter taste in their mouths after their losses in Roger’s last program and try to discredit his new one. Probably the bad votes did slow down the level of growth a little bit but ironically this may well make the program more sustainable in the long run. I have received my payment today but have not voted because I was away for the most part of the day but if you have some spare time please help InvesTomato grow by casting your votes on the forums and monitors suggested in Roger’s first newsletter being published below:
“Hello Farmers, How are you all doing? How’s your tomato farm doing? Have you watered your seeds lately? Don’t forget to water them alright? Some members help everyone water our fields of tomatoes regularly by referring members and promoting our program all the time.
The growth of our program has been great! Imagine, over $113,000 in deposits just 5 days. And with 1177 members as of this time and still growing every hour, InvesTomato is really turning out to be a great program with a great start. Let us keep this trend going shall we?
Ok, I need a favor from all of you, dear farmers. Our monitors are infested with negative votes possibly due to envy from other program owners or mostly because of those who lost at InvestiMates and those who do not understand how programs like this work. I need everyone to keep voting on the monitors so we can bury those negative votes down to the ground and not be seen again. So pick up your shovels, and let’s bury those negatives votes away. Here is the link to the monitors page: http://www.investomato.com/monitors.php . Oh and after voting, visit the Talkgold forum where there are negative posters as well. Let us clear the air there. Here is the link to our thread there: http://www.talkgold.com/forum/r267380-.html .
Just a few reminders also, remember to input your payment processor account details properly in your profile so you won’t need to be bothered to correct them when you request a payout. And remember the minimum is $1 for withdrawal.
By the way, InvesTomato was reviewed recently by Money News , and here is the link to that review: http://money-news-online.com/blog/2009/09/05/050909-investomato-review-and-other-news/
See you at the forums too. I am active most at the MMG forum, follow this link.
Have a nice sunny day at your farm!
Regards, Roger”.

It seems WLInvestments (reviewed here) survived some kind of DDoS-attack today but if not for the admin I would never have even noticed. As the program doesn’t require you to make any withdrawal requests but rather pays you automatically every business day to the account where you made your deposit from I had no problem with receiving my daily payment today. So I wasn’t aware of any attack on WLInvestments‘ servers. Luckily the program is hosted by the safest hosting provider BlockDos and they were able to mitigate the attack quite fast. In other news WLInvestments program got a Comodo certificate of assurance, added more monitors and SSL-encryption protection, and finally published some stats. Here is the newsletter from the WLInvestments admin Selina:
“Dear investors and Friends, This is the third newsletter from us, and will outline the important developments so far –
a) Today’s DDoS attack – Our website suffered massive DDoS attack around 17 GMT. It lasted for about 5 hours.
It’s important to note that we are already hosted on DDoS protected Dedicated server form BlockDos, however the DDoS attack was multitude in strength and brought down the server.
Ms. Machteld K Larsen is to be seriously appreciated to quickly change our hosts from BlockDos to another host with unlimited bandwidth. We will remain hosted on the present host and will use DDoS Protection from BlockDos remotely.
We now know the origin of this DDoS attack, however we will not reveal it as it will just suffice the true motive (gain notoriety) of the DdoS attacker.
Also, in case if our website is unavailable in future, there is nothing to panic. You can use http://67.212.164.140 to view our site and generalenquiry@wlinv.net to communicate us or wlinvestments@yahoo.com to chat with our support staff. Irrespective of anything, payments will always be made directly to your ecurrency account between 4 to 6 GMT.
b) SSL Protected –
Our website is now 128 bit SSL encrypted with 2048 bit key protection from COMODO.
c) Identity assured – We have undergone COMODO’s IDAuthorities extensive evaluation and now our Identity is assured upto $1,000,000.
This means that you are insured for up to $1,000,000 when relying on the information provided by IdAuthority on this site.
Such an assurance is only provided by establishing the incorporation status by independent third party and confirmation of office address by mail correspondence.
This brings us one step closer towards being most transparent players of the market.
d) Criticism – Many individuals critisized us for our last news update where we called the stats from many program as complete misrepresentation of true information. We pointed out 6 such programs and 5 of them are already closed.
e) Addition of Monitoring site –
Now, other than Goldpoll, our program is monitored by following monitoring sites – Hyiphome – 4th Rank HyipHall – 3rd Rank OkHyips – 1st Rank RefBack80 – Sticky List4Hyip – 6th Rank IeHyip – 1st Rank Invest-tracing – 2nd Rank Hyipdownline – 2nd Rank
We expect to add 3 more monitors in 2 week’s of time.
f) Performance analysis –
On 26th August, when our last news letter was sent, total investment with us was $1516 and total number of members were 16. It’s just 13 days past since our last news letter.
At this point of time, we have a total investment of $8304 and total number of members standing at 40. Highest individual investment is $2570. This is approximately 5 folds growth in terms of both, number of members and total investment.
I would again like to point out that our figures may appear to very very small in comparison to those programs who receive tens of thousand of deposit in their first week itself. However, our business policy is different and will remain different forever.
As far trading result of last week is concerned, it wasn’t that impressive because of no uncertain news release (we were eying on Non Farm Payroll which was very close to expected figure). However, we managed to make 3% profit for us after payment of our client’s profit share.
As always, we welcome your comments and suggestions and good/innovative suggestions would receive $5 gift from us.
On behalf of WLInvestments team, I thank you all for continued trust and support with WLInvestments Inc, Co, Ltd.
Best Regards, Selina M Johnson, General Enquiry Desk, WLInvestments Inc, Co, Ltd”.

YesICanSurf (reviewed here) has finally finished work on transferring the whole database manually onto the new script from the old one. The program recently turned into a revenue-share surfing type of program and the withdrawal button will be opened for some time now to request your earnings. Please read the latest update from YesICanSurf program to find out more about that:
“Hello Everyone, Well, finally it seems we are up and ready to move in the right direction! What an enormous challenge this has been for Phil! He has also been battling a severely abcessed tooth which made the calculation process very uncomfortable for him. BUT…..he got through it and we owe him a huge thank you for all his hard work.
All of us now have a challenge to face as we learn the ropes of this entirely new system. Some of us are members of other revshare programs, among these YesICanShare. YICShare uses a different script which we are already comfortable using. But for this changeover, we had to use a Neversay script into which we could successfully integrate the NS surf data.
One of the biggest changes is the cashout system. To carry out any transaction, Wallet must be used. At the top of the cashout page, are instructions re: how to cashout earnings. Please follow these carefully.
Earning rebates have been sent by the system to your accounts today. The cashout button will be open till tomorrow at midnight for you to put in a cashout request if you wish to do so. Minimum cashout is $3. Please don’t forget the “Hit and Run Clause”, which ensures the longevity of the program! If you request more than 50% of your rebate balance, your adshares will expire!
At midnight tomorrow, the cashout button will be closed and all remaining balances “ROLLED OVER” to compound as more adshares. This is one of the advantages to members of revenue surf programs.
To guide you through this, Phil will open an online support chat to answer questions from about 1pm server time for about 12 hours. (Server time can be found on the login page and the home page. ) If you have questions re: your transferred ventures or how to cashout your earnings, Phil will be there to help.
We care about our members, and very much want all of you to be happy with this new profit sharing program. This is the reason Phil has laboured for so many hours these past 2 weeks. The old YesICanSurf had already paid out more than 50% of its total income to members, and we didn’t want to risk its gradual demise. This action will place us all firmly on the right road.
Again, we thank you very sincerely for your patience and understanding and look forward to a prosperous future for all YesICanSurf members. As soon as the first rollover is done, we’ll begin some fun contests and bonus offers !!
Don’t forget to watch for Phil on chat in about 6 or 7 hours !
New members, we welcome you! Please bear with us as we complete this process!!
We love you all, Sarah and Phil.”

The admin of SensibleInvest Sandra announced my review in a mass email sent to all members today:
“I am happy to tell you, that money-news wrote a review of SensibleInvest. You can see it here.
We are growing and thanks all for trusting us! Sandra.”
By the way, if you’re interested in Sandra’s reaction to the people comparing SensibleInvest program with BestInv (as I did yesterday) there is something curious I found on the TalkGold forum:
“And about Olivia… BestInv was paying for about 2 months, many people earned good cash in this hyip.
Of course SensibleInvest is going to be paying much longer than Olivia and We Will Do Everything to be better than BestInv!
If you do not want investing with us, go away, it is your choice. But pls do not cry when you will see thousands satisfied members of SensibleInvest.”

There was a kinda strange update received from the administration of TenTraders today:
“Hello TenTraders members, We are processing withdrawals, site loading issue solved, rating page is not active now until changing status to paying.
We are a group of traders and provide investment service on HYIP market. please understand that we are not HYIPer and these issues are natural. But about withdrawals, everything is ok now and we are processing.”
I must say that the status of TenTraders is still unclear to me. I have got all my pendings today however I know that not everybody has received their payouts yet. Please report to me if you got paid or not. I understand that this situation is getting kinda frustrating especially considering that it seems that bigger payouts are being ignored by TenTraders still. So I will give the admin time till tomorrow and if I don’t get an explanation for selective payouts his program will be moved to Problem status on my monitoring page. As of now it is NOT recommended to invest in TenTraders specifically because of that unclear status the program has now.

It appears that some of the members who warned me about OnisGroup delaying payments to LibertyReserve were right. Although I’m aware of the fact that some small payouts to StrictPay and AlertPay are still being processed the payouts to LibertyReserve are totally ignored and the admin doesn’t even answer emails. So I guess that OnisGroup is slowly but surely coming to an end which will come after their AlertPay and StrictPay accounts are depleted and the payouts halt for good. It’s very unfortunate as OnisGroup was definitely one of the leading programs in the HYIP industry that has been paying since January 2009. Finishing like a scam after about 9 months of stable payments is really not so good. OnisGroup has already been moved to Problem status on my monitoring page and will be moved to Not Paying if there is no new info regarding the pending payouts within the next 24 hours.

Sometimes however the scammers are more sophisticated and prefer to lie just a day before stopping all the payouts. It was only yesterday I published the interview with the admin of GloriousProfit and today the program is gone. What happened? Does that guy Chris have no conscience at all to lie like that just before closure? I admit that I received one complaint about the non-payment from GloriousProfit program last night from one of my readers so I contacted the admin in hope that that was simply a minor glitch in the system and that the payment would be processed ASAP. So I got a reply just minutes later informing me that the payout in question has been processed. Today after verifying this with my reader it appears he has not been paid at all. I’ve seen all sorts of dishonest behavior in this business but this deserves some kind of award. Hopefully he will pay for this behavior soon. I know many awful things could happen to liars like Chris so hopefully karma will come back and bite him on the ass for that sooner or later.

The afore-mentioned incident with GloriousProfit proves once again that you shouldn’t trust any HYIP admin in this industry and take every statement with a pinch of salt. Such admins like the one from LiberalTrade are very shrewd and can endanger more than you think. Just look what this scammer sent to the investors today:
“Hello dear Clients, Because of issue in our database we require a Passport or Drive License and recent phone bill matching your profile AND one other statement showing your name and address also as they appear on your LiberalTrade account. If a phone bill cannot be provided (ex: prepaid cell phone, or phone bundled with internet service) submit your internet provider statement. Screenshots are acceptable as long as your name and address is listed.
We need these documents for verify account and process your withdrawals.
Notice: The monitors admin don’t need verify accounts. We have other rules for them.
We apologize for this issue.”
Please under any circumstances do NOT submit any personal info to any HYIP admins. Remember that 99% of all HYIPs will scam sooner or later and then nothing will prevent them using your personal details for identity theft. For instance, with such info that the admin of LiberalTrade requested it’s easy enough to verify an account with any payment processor. They could do even more serious damage with this info like all manner of criminal activity. And then one fine day you will discover your real name and address on a list of criminals. Remember that it’s the admin of LiberalTrade is a scammer and a dishonest person and you should have to do nothing to prove your honesty to a scammer. Shouldn’t it be the opposite way around?

To finish today’s update I would just like to give you the payment report listing the programs that paid me today (in no preferential order). Here are the programs: InvesTomato, TenTraders, GeniusFunds, WLInvestments, PTVPartner, EquiFex, FoxiVer, Capitalex, GoldNuggetInvest, PanaMoney, CoolReturn, XagaEnterprise, InvestmentForge, Verifield, IncoForex, StableInterest, FlipReturn, NanoMoneyCorp, CedexInvest, MetaStocks and FlexiPlans (the first payment received). Check out my blog tomorrow for more news from the Industry and my detailed review of FlexiPlans! See you soon, guys!