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

Hi everyone! Back again to everybody’s favorite day of the week: Monday. Ok, maybe you don’t like sarcasm but I hope you had a good weekend anyway. But I always try to be positive on Monday and consider it the first day of a new week of opportunities.

And one such opportunity is SavInvest which is the program I want to talk about today. But before we get too far into in I just want to make one quick point about them. SavInvest is a short term HYIP that has already been online for four weeks. Now ordinarily that is something I would be cautious about and indeed I am here too. But the plans on offer are that little bit more sustainable than your average short term program so I wouldn’t be hitting any panic buttons just yet. I still think there is plenty of time left to join and to profit. But if you haven’t actually heard of SavInvest before then just be aware of that. Don’t be afraid of it, it was always going to carry a certain risk anyway, but do be aware of it. Have modest expectations and you will not be disappointed here.

So, the plans. What are they? Well, there’s three of them ranging in length from 7 to 28 days. And they are all quite affordable. The first plan is called The Standard Plan and it runs for 7 days. The minimum amount to invest is $7 and the maximum is, at $28,000, something we don’t need to worry about! The rate of interest being offered is 1.4% per day with your principal returned on expiry. So for a $100 investment you get paid $1.40 per day until you reach a total of $9.80 and then have your initial deposit given back. Or in other words your total profit should be 9.8%.

The next plan from SavInvest is called The Classic Plan and it runs for a term of 14 days. The minimum amount you can invest here goes up to $14, but for what it’s worth the maximum stays at $28,000. SavInvest will pay 2.1% interest per day for your deposit in this plan so the same $100 will get you $2.10 per day in interest payments here. That will add up to $29.40 on expiry, at which time your principal gets returned. Or to put it another way your profit should total 29.4%.

And finally we have The Premium Plan that runs for a term of 28 days. The minimum investment increases once more but stays at a reasonable level of $21. Your daily interest payment will be 2.8% this time, so for a $100 deposit you can expect a payment of $2.80 totaling at $78.40 on expiry. Or 78.4% profit if you prefer to put it that way. Your principal will of course be returned at the end of this plan just like the others and the maximum amount you can invest is still $28,000.

The list of payment processors is acceptable with LibertyReserve, PerfectMoney, and StrictPay. Room for improvement ok, but still the industry standard fare for an online HYIP like Savinvest. Payouts are not automatic and will need to be requested. My own brief experience here indicates that SavInvest are quite fast in this regard. In fact they are promised within twelve hours.

If the list of payment options is average for a HYIP of this quality then the security is slightly above. Hosted on a dedicated Staminus server (the best there is) it’s also protected from DDoS attacks by DdosWiz whose reputation is pretty solid in this field. The script is licensed from GoldCoders. Unfortunately the generic FAQ page that comes with the script is just woefully out of date and the admin could really make life a lot easier for himself if he would adjust the texts to reflect what really happens in SavInvest. The page even mentions e-Gold a couple of times, indicating just how behind the times it really is. Mind you it doesn’t seem to have too bad an affect on the program over the last month but it just looks a bit, well, lazy. But if you do have any questions for the admin then you may submit them in the usual form via a support ticket system or else make it public through one of the discussion threads in the main investment forums. Links are on the SavInvest ratings page. The home page mentions “live support” seven days per week. My understanding of that would be to expect Live Chat support which isn’t there, so I guess they refer to e-mail support.

Anyway, there is no serious background information on the program or its outside business activities beyond some very vague references to “alternative investment sources” whatever that may mean. So it’s a safe bet to assume they are just a regular online HYIP game. I wish I’d found them earlier to be honest as it’s not a bad program as short term ones go. If you are interested then I suggest you not wait too long. It won’t be here forever.

Other news for today.

Monday as usual means the HYIP industry wakes up and once again becomes a hive of activity: the admins are issuing updates, investors are depositing more funds after the weekend and MNO has more work to do. Although that is nothing to complain about, guys! And I will start with the most important program on my monitoring page – which of course is GoldNuggetInvest (reviewed here). As you might remember the upcoming interview with Robert the admin (which is actually more of a Q&A session with MNO readers) was originally expected over the weekend. However the questions just kept on coming so understandably it’s taking a bit longer to get through. Considering that Robert is a busy man at the best of times (you can read my previous interviews with him here and here) he needs a couple of extra days to deal with every question properly. So he apologized for the delay to me and named another day when he hopes to finish it – so fingers crossed it will be Wednesday:
“Sorry, I know I am late, but I’d underestimated the extent of the interview. I am about 2/3 through and think I can send it over to you on Wednesday. Just don’t want to do it in a rush, your readers/our members have expectations I’d like to meet.
With best regards, Robert”.
I totally agree with Robert about the quality of the answers that should be given to the thousands of members of GoldNuggetInvest and hope to be publishing the longest interview yet with GNI later this week.

Let’s move on to some other important updates. The team behind the SeamlessProfitable project is working diligently on correcting some minor details and adjusting the investment plans on offer there. Please read my detailed review on how SeamlessProfitable works here because it’s not just a regular HYIP. In fact it’s completely different from anything seen in the industry before. The changes are now made in the Stable Daily plan and the profits have been reduced by 1% to 5% variable (used to be between 3.5% and 6.5% daily) but the principal for this plan will be returned on expiry. You can choose the investment term yourself, which can be as long as 62 days). I believe it was made to assure the sustainability of the program for the maximum possible period of time. Even to the naked eye you can clearly see that SeamlessProfitable is not just a regular HYIP but rather something far more interesting: it’s a very unique script, secure and instant payouts, friendly support and a talented and professional admin. I hope the program will stay here for a long time. By the way, the admin promised to answer some questions for an interview soon so hopefully you will be able to read that later in the week. Anyway, here is the first bi-weekly newsletter from SeamlessProfitable that has also been published on their official blog:
“Dear members, We are pleased to announce that SeamlessProfitable website was officially opened 12 days ago with growing investors reach 450! People from all around the world are invited to participate in our investment program. To keep our investors updated with our news, and future plans, we will issue our bi-monthly news articles. You can always read and discuss SeamlessProfitable news and events at our blog.
Every day we can be better than the previous day! We have fixed multiple errors on our website during last week: – Uploading an avatar in a GIF format does no longer blocks your account. – Opening lottery and partnership account area pages does no longer lead to a “Bad Request” error. – A list of your referrees on a partnership page now displays page numbers correctly. – Our hacker proof system is more liberal and does no longer trigger frequently.
Protection is one of the most important things for us. SeamlessProfitable has instant payouts and is attacked multiple times per day. During last 10 days every single attack was filtered, monitored and prevented by SeamlessProfitable website in an automated mode. Though sometimes our hacker proof system triggered unexpectedly, it provides a multi-level protection for both website and our respective investor accounts.
Everyday SeamlessProfitable continues to grow, and we have the pleasure to have more and more support, which is really appreciated. In practice. We would like to announce now, our second Lottery Winner. You can read all details here. As you can see there, the winner earns 250$ and is chosen on Mondays. Note that only active investors will be counted to give everyone, the same chance to win. Next winner will be chosen on 17th of October and will be announced in a newsletter including all details. We hope you will enjoy this nice opportunity to get some extra cash, and share your experience about SeamlessProfitable with your friends, family and others.
One next important thing to mention is a change in our Stable Daily plan. From 10th of October it does no longer include principal in a daily payouts and returns it at the end of an investment term, as a single payment. Overall plan ROI didn’t change.
And still, for those who love playing, go to plans description page and join now! Be one of the hundreds winners who invested, earned and had fun. Just remember that this is only the start of this success venture and many others features are coming soon.
After many requests from investors, it is with enthusiasm we announce that are working now to provide the best support through 24/7 live chat. We hope it will serve our customers better and will allow our representatives to answer your support questions more efficiently. This will also help you manage any questions you might have by having your questions answered on the spot.
SeamlessProfitable Team”.

Let’s take a look now at some short-term programs that are still performing quite well. The admin of SensibleInvest Sandra (interviewed here) announced another daily plan – 16% for 10 days. You should know that SensibleInvest has other plans: 20% for 6 days, 115% after 7 days, 135% after 14 days and 160% after 20 days. The performance of the program has been great so far with timely and fast payouts however we shouldn’t forget that SensibleInvest is a short-term program meaning that it’s getting riskier with age. The program has been online for over 5 weeks and that’s quite a long time for programs like this one. I’m not going to say that it’s going to collapse tomorrow or anything but it will definitely end at some point. So please be aware of that and only invest in SensibleInvest (reviewed here) what you can afford to lose. Here is the latest update from Sandra:
“Hello all! We are paying for 38 days! Of course we will be paying for a long time! Few days ago, we opened 2 special plans:
1) 20% daily for 6 day – active
2) 105-107% after 1 day – expired
Today I am opening third and last special plan – 16% daily for 10 days – total 160%!
For example: if you invest $1000, you will get $160 every day (you can withdraw these money every day to your e-currency account) for 10 days, you will get total $1600 in just 10 days.
The minimum is $15 and the maximum is $15 000 for this plan.
We offer $150 extra bonus for investors who will deposit $1000 or more! So if you invest $1000, you will get total $1750 in 10 days.
The plan is active for only 30 days ( will expire 2009 / 11 / 12)
Thanks all for trusting us! Sandra”.

Another old but still strong performing program is FxCapitalInvestment (reviewed here) and they just sent their sincere congratulations to all Canucks on their Thanksgiving day. I can only join the admin (interviewed here) and also send my best wishes for the holiday to all my readers from Canada:
“Happy Thanksgiving to our Canadian members and commenters! I hope your day is filled with good food, happy times, and yes, for the holiday only, I suppose, delicious pieces of pie. (Even though cake is still the superior dessert.)
I wish to announce to you that all pending cashout have been completed. All paid members should please cast a vote for us in any of the below Forums.
Thanks for all your support and have a wonderful Thanksgiving Day. Greg. Admin”.

Speaking about Canada let’s not forget about SolidTrustPay who are also based there. Despite the celebrations taking place there it was promised to take care of the delayed Debit card withdrawals. However, nothing has been done on the administration’s part and the withdrawals are still pending. Hopefully tomorrow everything will be back on track and I have found another update on SolidTrustPay‘s official blog today. It has nothing to with Debit card delays by the way but rather with some phishing email that has reached some members’ email accounts today. So please be aware of that and don’t fall victim to scammers:
“Fake LR email. It has come to our attention that a fake email has been sent out indicating that we will process an exchange to LibertyReserve. We do not process e-currency exchanges. Do not spend to the account indicated. We are taking action to have the account closed. Do not reply to this email!
The email comes from (supposedly) support@solidtrustpay.com but examination shows Return-Path: meli@wannagold.com with a reply email of: stpsupport2@gmail.com
You are reminded that SolidTrustPay does not process e-currency exchanges.”

There was rather short update from the admin of ReliableFunds today. The admin reported that all pending payments to AlertPay and StrictPay had been processed (LR and PM withdrawals are instant) and let members know about the review of his program published on my blog last night. Here’s the update:
“Hello! All pending withdrawals SP, AP sent!
Please read our review by money-news-online http://money-news-online.com/blog/2009/10/…and-other-news/
Please vote for us in goldpoll http://www.goldpoll.net/details/13934/
After few days expected a couple of contests. So stay tuned. David!”

The admin of MindPowerSurf Mircea also issued a short update today by bringing the latest stats from his program and announcing that all the payments had been processed:
“Just completed all payments for today for all the processors : over 2000$ All things are fine due to your great support. A quick statistic for today : Total members: 367, Active members: 150, VIP members: 28. Alexa Ranking: 150,666 http://www.alexa.com/siteinfo/mindpowersurf.com Read my interview for Money-News-Online on main page of MindPowerSurf or here. Have a Great Week Mircea I Admin MPS”.

It seems that OneDailyPro (reviewed here) isn’t becoming as big a hit among investors as the admin hoped despite his best efforts in advertising the program in the most efficient way. So he thought out a new strategy that will allow members to earn some extra money at the same time providing cheap support and advertising for the program. How is the admin going to reward the best promoters? Read the following update and find out:
“We are glad to introduce 2 special offers for active supporters.
Special offer #1: Do you have 10 active referrals? Contact the Support and you will get $10 to your e-currency account (one time)!
Special offer #2 (limited time): This offer for active supporters. You can get up to $1 daily by supporting us on forums and monitors. How? It’s easy!
1. Post your payment proofs on all forums. See list on our Rate us page.
2. Vote on all monitors. See list on our Rate us page.
3. You must post your OneDailyPro digital account ID, payout amount and part of the payment confirmation batch number. Example: My ID: 1, $1.00, 14593xx.
4. Contact the Support to request your reward.
Than you for attention. Best regards, OneDailyPro Support”.

I have to warn you about two programs that I have moved to Waiting status today. It’s CoolReturn and BlackDiamondPortfolio. In both programs I have a couple of pending payment and apparently not just me either. Both programs have been hit recently by some issues but I was hoping they would overcome. Anyway, I have contacted the admins of both CoolReturn and BlackDiamondPortfolio for an explanation and I will publish on my blog if I get a reply. For now it’s not recommended to invest in those two programs.
P.S. Just received an email from the admin of BlackDiamondPortfolio telling me that I will be paid soon. So I wonder why not now. So I will allow him another 24 hours to process the pending payouts and leave his program in Paying status for now. However please be aware of these delays which are quite unreasonable especially after yesterday’s downtime.

Also it seems impossible but MetaStocks admin contacted me yesterday, apologized for the delay in crediting my account with a missing deposit and asked me to move his program back to Paying status. Well, I’m not sure about it because just today I received an email from one of my readers with a not-payment complaint. So please let me know if you were paid from MetaStocks site recently. It will help me decide if it should be moved back to Paying status or not. Thanks in advance, guys!

I got one really exciting piece of news today! The former admin of Invest-N-Surf (that has been online for 2 years) Ubaid is coming back with another autosurf program. Unfortunately, INSPremiumAds (that’s what it’s called) will not be too popular in my opinion because of the low-ROI plans on offer. The returns can be as low as 1% as happened today and still you should surf daily to get your profit. Here is the profit report for today for instance:
“Dear INSPremiumAds Family, Thanks for all of you support and joining my program I am glad to see all of you support. Today’s ROI is 1% because you all can see members are still investing and I am moving money in forex so until I won’t close signup’s and won’t concentrate full time on forex so I can do only limited trades today I made 1.50% in forex and I add 1% for members and keep .50% for tomorrow backup because I want to work without loss or if in any case I face loss so it will cover from our daily profit and principal will be on same place in forex from this way. My plan is to make INS stable and longer term thanks once again for all of you support and post. And I am sure in new future ROI will be 1-8% per day or may be more.
Have a good day. Ub, Admin”.
The second point I don’t like so much about INSPremiumAds is that the payouts can only be requested once per month and will be paid to your e-currency account (all 5 major e-currencies are accepted) within 10-15 business days. The fees will be charged for both deposits (3%) and withdrawals (6%) and the minimum to invest is too high at $50. Still there is some room for cautious optimism as the admin claims to be trading on Forex (hence the fees, low profits and monthly payouts) and is surely experienced in this industry after running a program for a couple of years which is a huge achievement in my opinion. And yes, the membership will be limited and will be closed soon so for those wanting to join INSPremiumAds shouldn’t delay. According to the admin the program will be closed for new sign-ups once they reach 150-200 active members. And, almost forgot one other important thing – before actually depositing you will be asked to buy a subscription package (the cheapest will cost you $25). So please take this into account when depositing money into INSPremiumAds. In my opinion, it’s still worth taking a look at but just because of the admin’s track record and the chance that he might have some real involvement in Forex (please note that even if he trades for real it doesn’t mean he will ever make a profit). What I also don’t like about the program is the shared server and the overly complicated Neversay script which is also used by Mircea from MindPowerSurf by the way. I will have to ask a couple of questions to the admin before actually reviewing INSPremiumAds on my blog so it might take me a couple of days before getting around to that.

The second program I have joined today is more promising. I consider this one to be risky but since it’s just been launched and the admin seems to be really knowledgeable about the business then I believe it could be a success. The program is called ShiftMoney and it’s offering three investment plans to the investors: 110% after 5 days ($10 minimum), 150% after 15 days ($50 minimum) and 200% after 25 days ($100 minimum). At first glance ShiftMoney looks like just like another short to medium-term HYIP. Good points include a licensed GoldCoders script and it’s on a dedicated Staminus DDoS-protected server. However, when just accessing the website you can hear some pleasant music and moreover, in your account all the actions you’re going to do or have just done are spoken by a robotic voice (very convenient feature imho!). The choice of payment processors in use by ShiftMoney is just great. Along with the 5 most popular payment processors (LibertyReserve, AlertPay, PerfectMoney, SolidTrustPay and StrictPay) you will find an option to make a deposit via Bank Wires which is not so common at all among this type of HYIP. Some other features are also quite unique and I’m going to tell you about them once I review the program. Meanwhile, you’re advised to take a closer look at ShiftMoney for yourself and see if you agree that it’s a very promising program.

That’s all for today except the list of programs that paid me: RoyalRoi, SensibleInvest, GoldNuggetInvest, Verifield, PanaMoney, GlobalFund, GeniusFunds, PTVPartner, CSMFinance, MoneyCare, Infinitum, StableInterest, TheFifthContract, FxCapitalInvestment, BlitzInvestments, KobelCapital, ReliableFunds, SavInvest, CorpusTrust, CedexInvest, Metualis, XomFund, OneDailyPro, XrateInvest, MindPowerSurf, SeamlessProfitable and AmericanInvestmentFund (the first payment received). Don’t forget to check out my blog for the review of AmericanInvestmentFund and the long-anticipated interview with one of the biggest programs now that has been online for three years – NanoMoneyCorp. So stay tuned for that and see you all tomorrow!