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

Hi guys! The latest in the seemingly endless conveyor belt if short term HYI programs to come my way recently is one called FlexiPlans and today I would like to take a closer look at it. You may or may not consider it suitable for your own needs but at least we should take a look at it first anyway. If you do happen to like what you see by the way then keep in mind that it’s only been online for two days, so if you’re going to join at all then now might not be a bad time to do so.

But first of course you need to consider the plans. There are three of them available to choose from, with two offering daily payments and the third only paying on expiry. So starting at the top, the first plan that FlexiPlans has for us is called the Compact Plan and it offers daily interest payments. 13% interest to be exact. The plan is open to all deposits from a minimum of $10 to a maximum of $15,000 so I guess that includes just about all of us. The investment term itself is 11 days so if we take an imaginary investment of $100 the result should be that you receive a daily payment of $13 per day for 11 days. That means you will break even and see your first profit on day number 8 and see out the term with payments totaling $143. That figure also includes your principal.

For those who like a risk you might like the Flexible Plan. The minimum amount you may join with here goes up but only by what most might consider a token amount of $5 to $15. The maximum is still $15,000. The real difference with this plan is of course the payments which are only made on expiry. The total ROI paid out in this plan is a once of payment of 154% and that gets paid after 11 days. It does look a bit like a surf plan and more than one investment program has utilized this ever popular choice to huge effect the recent past. Hopefully FlexiPlans can continue the trend, even if the attitude of some investors is starting to sour.

And finally there is the lowest risk option available from FlexiPlans. Known as the Expanded Plan, this one returns to daily payouts with 24% interest paid per day for 5 days on all deposits between $15 and $15,000. That will all add up to a total of 120% in payments on the day you collect your final one. Or to put it another way, for a $100 investment you will be paid $24 per day 5 days in a row and will finish with $120.

Payments are fast enough by the way and can be seen in a matter of hours. You are asked to allow them 8 hours to get everything processed at the moment, although personally I think this will eventually put the admin under some unnecessary pressure and will need to be extended. But for now while the program is so new it should be ample time. And before I forget the list of accepted payment processors now includes LibertyReserve, PerfectMoney, StrictPay as well as the latest company to arrive on this scene RoutePay. FlexiPlans is now the second program on my monitoring list, and second in 2 days to be reviewed on my blog that accepts this new e-currency so I shall definitely get around to reviewing it here sooner rather than later.

Security which is as ever of paramount importance to the successes and failures of programs throughout the online investment industry is up to an acceptable standard on FlexiPlans. They are hosted on a dedicated Staminus server and protected from DDoS attacks. The script is licensed from Neversay.

As attractive as the plans is the design which is easy to navigate and user friendly throughout. Communication and support is available via an online e-mail ticketing system and occasionally through a Live Chat feature when the admin is online. They also provide us with a list of some of the most trusted and dependable e-currency exchange service providers online at the moment so even if FlexiPlans is not suited to you at least you can still access this handy list for future reference.

And I’d also like to give a bonus point for the admin having spared us from reading pages of nonsense on fictional business deals on the world stock and ForEx markets. No false claims are being made here so there is no excuse for not entering with both eyes wide open, OK? There is a limited shelf life here and you know it. There is one brief line about “we are real traders” in the FAQ page but that comes with the default settings in the script. Just one flaw I would like to point out to those of you more adept at promoting programs like FlexiPlans to other like minded investors, the FAQ page states that the referral commission rate is 15%. It isn’t. It’s 10% but that’s still pretty generous by any standards. I just hope it’s not too generous and result in a cash flow problem further down the line.

Everything would appear to be in place for FlexiPlans to be a good stable performer, all that really remains is to see if the wider investing public still share the same enthusiasm for short term high ROI programs as was shown with such vigor over the last number of months. Is that still the case? Well that’s for you guys to decide but based purely on the merits of the program itself it deserves some success. So if you share my opinion that the reward is worth the risk, I suggest you take it now. If not, well, I’ll be back tomorrow with another review which you may find more suitable to your individual needs.

Other news for today.

Let’s start with a very rare event in this industry. It doesn’t happen that often but when it does it gets tongues wagging throughout the whole community for weeks afterwards. Of course I’m talking about the latest newsletter from GoldNuggetInvest program (reviewed here). GoldNuggetInvest is definitely the one program that should be in the portfolio of every smart and seasoned investor, as well as the newbies Being online for almost three years the program has overcome so many obstacles and persevered with such professionalism that other admins could only look on with envy. That was achieved probably because GoldNuggetInvest is no ponzi lead HYIP-game but rather an investment opportunity delivered to you by top-notch arbitrage betting experts who trade tirelessly to ensure the profit for themselves along with the thousands of investors who finance GoldNuggetInvest‘s activities as a reward for their honesty and integrity. Not to mention their Midas Touch when it comes to making money for everyone who has ever gotten involved. The profit is being paid to your account on a weekly basis of 6% to 7.5% weekly (depending on the amount of your deposit) and you can read more about that and the way they make money for investors in my exclusive interviews with the admin of GoldNuggetInvest Robert Spearman that were published on my blog here and here. By the way, I’m hoping to conduct a third interview with GoldNuggetInvest admin and publish it on my blog in a month when the third anniversary of the program will be officially celebrated. As long as the admin agrees of course. So if you think I haven’t asked Robert and his team something before or if you have any questions of your own that you would like to see answered on my blog please don’t hesitate to submit them to my email address abramsonp@gmail.com and be assured that the best, and the most original and interesting, will be put to Robert and his team for the next interview.

By the way, to commemorate this GoldNuggetInvest anniversary they will be having a draw where a cash prize of $5500 will be distributed among 63 lucky members of GoldNuggetInvest (only an active deposit is required to take part in the contest). StrictPay payment processor will also be rewarding the lucky 100 members of GoldNuggetInvest with a free Debit card which you can use in any ATM in the world to receive your cash from your StrictPay account (other members of GNI will get a discount code for $10 off the total price of the StrictPay Debit card). More exciting news from GoldNuggetInvest brought to you by Robert and team includes: the introduction of two new staff members (which should ensure a significant reduction in the waiting time for support to address your questions), the completion of the migration process to the top-notch hosting provider BlockDos and the coming implementation of the new script which is currently undergoing the final testing stages. All about the above-mentioned events can be read in the latest newsletter from GoldNuggetInvest published below:
“Greetings to all of our trusted clients, customers and friends of GoldNuggetInvest (GNI):
It’s hard to believe we will be celebrating the third year of our presence on the Internet (October 3rd, 2009). What a year this last has been. We will be highlighting some of our more memorable milestones in the upcoming “Anniversary Issue” to be released on the 03/10/2009.
1. We have some special things planned to commemorate this monumental occasion which will include a special $5500.00 VISA Gift Card Giveaway as follows:
1x $1000.00 Grandprize
2x $ 500.00 Runner-up prize(s)
10x $100.00 First prize(s)
50x $50.00 Second Prize(s)
Only funded GNI Account Holders will be participating, no action is required on the part of the clients/customers.
2. To commemorate our anniversary and recognize the importance our program has been to their success, StrictPay will be giving to the first one hundred members a StrictPay Visa (loadable) Debit Card at NO COST (not withstanding a nominal fee for standard delivery or a premium fee for Fedex delivery, with tracking number). Those GNI clients who are not one of the first one hundred, will still be eligible to receive ten dollars OFF of the normal price of the StrictPay Debit Card. To claim this promotional bonus:
A. Login to your StrictPay account at StrictPay website. If you do not have an account, go to the Signup link at the top of the page to create one. Login and submit your verification documents which can be found under the Main tab on the upper left of the page.
B. Click the link on the right side of the page above the debit card image to go to the debit card purchase page.
C. Fill in the required information. In the field labeled Discount Code, enter GNI9136SP and you will receive a $10.00 discount, or if you are one of the first hundred members requesting – receive it for FREE.
There are certain fees including a monthly maintenance fee that must be borne by the client whether the card is used or not. Be sure to read the Terms and Conditions PRIOR to agreeing to accept the card.
3. At this time we would like to introduce two new employees to our staff which will allow for us to staff the help desk on a more consistent basis and reduce the turnaround time on support requests. Both of these persons will be assisting Support on a part-time basis with an option to increase or decrease their time accordingly.
a. Rumiko: Those of you who visit the GNI sponsored “ASA Monitor” Forum have certainly run into or have otherwise been assisted by Rumiko. He is knowledgeable and has an IT Security background.
b. Debbie: Congratulations to the first woman to grace the ranks of our project. Debbie brings a host of administrative and clerical experience to our program. We are confident you will all like Debbie!
4. Our migration from BlackLotus to BlockDos has been completed. As some of you know, there are some transactions that have been duplicated or omitted during server propagation. Your honesty in coming forth to us so that we can adjust your deposits and patience if we need to post a transaction is greatly appreciated. Remember, if you don’t come forth and you know that there is a duplicate deposit in your account, this constitutes theft of funds!
We are trying to pay our clients the absolute maximum possible while maintaining an operational reserve. Please help us to maintain the integrity of yours, mine and our program by being honest as much as possible!
5. The new script: Yes it’s happening…we are testing the script for transparency, security, user friendliness and scope of applications (what can it do and what are its limitations). We’re very excited and know you will be too.
You will be notified as soon as we have definite dates and times the site will be shut down for the data base transfer.
That’s all for now. Please remember the following:
1. Pay your municipal obligations (taxes)
2. Pay it forward (there’s a lot of hunger in this world). We’re trying to make a dent. See what you can part with for your most trusted charitable organization.
We wish you all the best as we head into the fall season,
Robert, Jurgen and the GNI Team”.

EquiFex program which was reviewed on my blog yesterday (read it here) keeps growing and now has over 800 members after just six days online. I’m planning to interview the admin of EquiFex soon so hopefully it will be published on my blog early next week. Meanwhile in the latest update the admin of EquiFex Alexander thanked members for the support of his program and the constant promotional efforts. Hopefully EquiFex will keep up its good level of growth that will ensure the stable profits for the members who can benefit from three daily plans and three plans with the payouts on expiry utilizing six popular payment options (more on that in my review). Here is the latest update:
“EquiFex investment portal was launched only 6 days ago, and the first cashout @ expiry plan withdrawals has been process, as of today we have reach 786+ strong members, about 85% of these members are active investors, and the total deposit reaching $40,000 in just 6 days with a constant payout, wow we are so proud of all our supporters and members whom have helped us to stay on top
We wish to inform you that the winners of the referral contest will be announced by September 10th, and winners will be notify via newsletter and also the results would be published in our official blog, you still have some chance to promote “your” EquiFex for a chance to be one of the winners of the total prize money of $290.
By now I suppose everyone should be convinced we are here for good, Our review by Money-News-Online is out please read here, this have been added to the main page of our program including some other reviews.
Again, we wish to thank everyone who promote and support EquiFex! As of this time, all withdrawals have been processed and online supports are at your service with email 24hours maximum respond guaranteed. EquiFex is taking the lead.
Sincerly yours, EquiFex admin”.

Another popular short-term program InvesTomato is also growing strong having 1260+ members by now who deposited over $140K between them. The admin of the program Roger who has been quite silent for awhile promised to start sending updates to his members on a more regular basis thus ensuring more stable level of growth for his program. I remind you that InvesTomato has two investment plans that pay you 10% for 12 days with daily payouts and 144% after 12 days with payouts on expiry. Roger is kinda an experienced admin in this Industry and I’m sure that he will do his best to run InvesTomato for as long a time as possible. Please read more on InvesTomato in my detailed review of the program published here. And the following is the latest newsletter to the “tomato farmers” (investors) from Roger:
“Hello Tomato Farmers, A lot of people believe that today is a lucky day for everyone. It only happens once in a lifetime, that the date becomes 09-09-09. And I think I may become a believer of this. And our program growth is the reason why.
We are on our 6th day today and we have almost $140,000 in total deposits and over 1250 farmers now. Someone suggested that I try to update everyone by sending an e-mail to all the farmers everyday or every 2 days to show everyone that I am serious and to let you know how things are going with our program. And I think it is a good idea. I will try to send an email update daily if I can.
By the way, a certain issue with regards to depositing via SolidTrustPay has reached my attention today and luckily a supportive member knew the cause why it is happening.
The issue I am talking about is the problem when a member tries to make a deposit using STP and when the member is forwarded to STP to make the payment, he logs in and then finds a problem in the transaction page showing Pay To field and Amount fields blank. The reason why this happens is because STP detected that you either changed browser or IP address from your last login. So you must login first directly to your STP account and bypass the IP change page and then do not logout, go back to InvesTomato website and login and follow the instructions to make your deposit via STP. You should not have this problem then.
Well, I think I ran out of words for today. Have a great time farming. Don’t forget to water your tomato seeds and plants and plant more seeds along the way. And by the way kill the pests and remove the weeds also so your tomatoes will grow healthy.
Regards, Roger”.

CoolReturn is celebrating its first 100 days online with some sweet bonuses given to the new depositors. These are the rules how you can obtain your bonus from that program (reviewed here):
“In pleasure of first 100 days completion CoolReturn is offering 100% bonus on all deposits between $10-$500.
Deposit up to 500$ and get 100% bonus
Deposit 1000$+ and get 30% bonus
This offer is valid till September 15, 2009
Compounding option
Manual compounding is available for deposits 1000$+ for minimum one month. For example Deposit 1000$ and get 1563$ after 30 days.
For manual compounding transfers funds directly to CoolReturn A/C U6525350 and mention “Compounding and your login name” in remarks. Send us your deposit details and your manual compounding will be started. You will get return directly in you LibertyReserve account after 30 days.
Thank you. Administration”.

I would like to say a couple of words about GloriousProfit admin Chris that sent out the following newsletter today officially informing everybody about its closure (read my comment afterwards):
“Just wanted to let you know what has happened. And what you should do next time.
This industry is unstable, with many members HARing and only depositing once and it is usually within the first few days of being online. With GloriousProfit, we chose plans which we thought would be stable, be able to last long enough to become successful. In the course of 28 days online and paying, I thought GloriousProfit would get more attention that it got. Our members money was on the line and I always wanted to be optimistic and to motivate you all that the site is rocking. Because if I would of said one time, that GloriousProfit was struggling bring new revenue in, everyone would of freaked out and we would be in the same place we are now. “Scam” status.
I paid out all the money until it was pretty much gone. I left about 5% for me of course, but I did pay out up to the day it collapsed. Why would I be sending out LR and PM deposits if I really wanted to get more money.
I am sure many of the older, more serious members know what I mean. Paul from MNO especially. I would personally like to tell Paul to let his readers know in reviews that all are ponzis and require fresh money. Joining earlier is good but, continue to support the site and every so often deposit back into your account and not wait til you reach full ROI.
If your a new hyip member, I would stay away from short term hyips. This industry is unstable in the short term area and is only good for people like MNO for his ref coms. Go with long term projects and start to really earn that way. Or even revenue sharing sites.
Best of luck everyone. Chris”.

Wow, I’m almost speechless to say the least. But only almost. First of all I would like to thank Chris for his farewell email and the explanation he sent to the members of his program because they surely deserve at least this. Not every admin has the guts to do it. But then isn’t it easy to do it the day after you close? Why not be a man and do it the day before it happens? Chris complained that the members are using hit-n-run tactics but who can blame them? It’s people like him that cause it in the first place by creating a situation where it’s all but impossible to trust the admin. Let’s read what Chris said in this interview question for example (though when he answered he already knew that his program was on the brink of collapse). I put it to him that many suspected he would scam after 30 days, and he replied:
“On the note you said you members may have suggested we scam after 30 days; this is completely false and to reassure your members why it is false is because we payout daily.”
So being the only one who knew the exact state of the program, he nevertheless chose to tell this blatant lie because the program collapsed after just 28 days online and a mere one day after he submitted this answer. Just as many MNO readers predicted. Moreover, nothing can justify the lies he told me about the missing payment to one of my readers that has never been processed. Chris promised that the reader in question had been paid in full, when in actual fact he had not! In this way he confused many people who otherwise might not have deposited in a program that was by now obviously on the verge of collapse when. I must say that I agree with him on one thing: Low-ROI programs are less risky than high-ROI short-term ones. However, somebody made things happen that way when 99% of admins can’t be trusted in this industry. And it’s people like Chris who lied through his teeth and told people, many of whom could scarcely afford it, to deposit in a program when he knew damn well that he was going to close it the following day. So maybe I receive some ref commissions from my readers and therefore profit from this business but at least I always try to tell the truth and put the situation straight and as it is at the moment and not trying to extend the agony of any particular program if I know that it’s going down. I suggest Chris look at his own lies first before blaming his own members, me, or anybody else for his own failures.

Unfortunately it seems that OnisGroup program is totally dead now with no response from the admin about pending payouts. In fact the site that has been already down for some time. I assume the game is up and unfortunately OnisGroup has collapsed after nearly 9 months online.

I had enough from TenTraders as well with its constant excuses and promises to pay to its members soon. It seems the payouts are currently being processed only selectively to some monitors. However I guess many honest monitors have already put TenTraders program to Problem status (I’ve done it too) and obviously that caused the administration of TenTraders to remove the ratings page from the site completely. Well, from my experience in this Industry it’s the most obvious sign that a program is beyond recovery. It’s sad but true and I’m sorry for those that lost out in TenTraders. It has lasted for more than enough time though (considering its high returns) and I can’t really say that the collapse came completely out of the blue to me and many other experienced investors.

Finally, something has also happened with FortixCapital. The admin is not responding to emails anymore and all payouts have of course been halted. I have moved the program to Problem status on my monitoring page already and suggest you not to waste your time and money in FortixCapital anymore.

I think that’s more than enough bad news for today so now let’s have a look at those programs that are still paying fine. Ok, guys, so for the last 24 hours I was paid by the following: EquiFex, PTVPartner, PanaMoney, YesICanSurf, GoldNuggetInvest, FlexiPlans, InvesTomato, Verifield, GeniusFunds, IncoForex, PreviaTrust, NanoMoneyCorp, WLInvestments, FoxiVer, XagaEnterprise, SensibleInvest, CoolReturn, CedexInvest, Capitalex, AimTrust, InvestmentForge and Infinitum (the first payment received). Tomorrow I’m going to publish an interview with the admin of PreviaTrust, the review of a new promising program Infinitum and of course the latest news from the Industry so you would be able to find everything you need from one source – MNO blog.

And almost forgot to mention that I joined yet another very interesting program called AtlantisMutual. The program started to advertise itself intensely just a few weeks ago though they claim on their website to be working since May of this year. Anyway, AtlantisMutual has everything that we like to see in stable and well thought-out investment project: a unique script and affiliate program, attractive and professional layout, DDoS-protected dedicated server and site with SSL-encrypted interface, there is also some original texts about their investment activities and verifiable address and phone number in London. The plans are very attractive as well: 105% after 7 days (minimum to invest is $5), 120% after 21 days (minimum to invest is $25), 191% after 60 days (with $100 investment minimum) and 391% after 120 days (requires $500 minimum deposit). There is also a fifth plan available the terms of which will only be given to more serious investors on special request. I can say that AtlantisMutual is an almost exemplary program that will definitely run for a long time. The only one drawback I can see in AtlantisMutual is that they only accept LibertyReserve and PerfectMoney and that will significantly narrow down its potential customer base. Apart from this everything else is fine and I’m going to give you a more detailed analysis of the program’s features in the review of that you can expect to see on my blog very soon. That’s really it for today. Stay tuned and always stay on the money with Money-News-Online!