BEWARE! THIS PROGRAM HAS STOPPED PAYING! PLEASE DON’T INVEST!
Hi guys! As promised earlier today I all the latest news for you this evening from all the various programs covered by my monitoring page. But before we get to that I’d like to remind you of a program I joined just a few days ago and take a slightly more in depth look at it. It’s called AmericanInvestmentFund and in more ways than one I think you’ll find it a break from many of the new programs we have seen in the past couple of weeks. In particular there’s one unique feature that I’ve not seen in any online HYIP before. I’ll get to that in a moment but let’s start with the plans.

First of all AmericanInvesmentFund is a long term low rate of interest HYIP with two plans to choose from. The first of which is what I’d call a “perpetual” plan, by which I mean there is no expiry date. Once you join, that’s it. You’ll get paid for as long as you decide to stay a member and of course you are free to leave and take your principal with you at any time. They call it The Trust Plan and here’s how it works. For a minimum deposit of just $1 you are offered an interest payment of 1% per day, made 7 days per week, for as long as the program runs. And that’s really the only thing limiting the amount you can earn. So let’s say you deposit $100. That will mean you get paid $1 per day for as long as you decide you want to stay a member. Assuming that you actually want to stay a member of AmericanInvestmentFund for as long as the program survives then you can recoup your principal in about three and a half months. But if you don’t wish to wait that long, as I said, leave when you like. The maximum deposit is $50,000.

The other investment plan has something of a more traditional HYIP structure to it. It’s called The Business Plan and it goes something like this. First of all you are going to need a minimum of $500 to join here. If you are one of the few who consider that affordable then you have my congratulations. But you’ll still have to think about it carefully. But if you decide to go for it then here is what you can expect. A daily interest payment of 2% will be paid but please note that in this plan payments are only made on business days, Monday through Friday. The investment term has a definite finishing point this time as well, running for 120 calendar days. So should you make the bare minimum $500 deposit here then you should expect a payment of $10 to be made 5 days per week. That will make $50 per week and see you recoup you principal after 10 weeks (70 calendar days) with another 7 weeks (35 payment days or $350) still remaining. Your profit will again be returned on expiry, and if the 50K limit in the last plan wasn’t enough for you then you are free to deposit $500,000 in this one. Any takers?

The most interesting feature about AmericanInvestmentFund however is the choice of payment options. The actual list of processors is nothing to get excited about (although they are popular) with just LibertyReserve and PerfectMoney, but this is the first online HYIP that I can think of to accept Credit Card payments. You can deposit via Visa and MasterCard. Use of your credit card will provide a certain level of protection depending on what your own card providers charge-back policy is, but make sure and check with them first. Because you probably know by now what the charge-back policy is with LR and PM. There isn’t one. And also be extremely careful when submitting your card details online and be sure you are using AmericanInvestmentFund‘s secure “https” page when doing so. Oh! I almost forgot. Bank wires are accepted too. Contact the admin for details on that.

I must say that I am quite intrigued by the whole idea of joining an online HYIP with a credit card. If I was mistaken and there is another program out there utilizing this and you have some personal experience then please get in touch. Likewise if you decide to involved here by using your card then also let me know how it works out for you. Because it’s actually not a bad program at all and is definitely worth a closer look. The security is pretty solid by the way, so few worries on that front. BlackLotus are the hosting provider, who after not hearing about them for a while seem to be hosting a lot more of the programs I am coming across at the moment. Just a coincidence but anyway, their reputation is as solid as it ever was. They have AmericanInvestmentFund on a dedicated server and are protecting it from DDoS attacks. The script is licensed from Tomacero (GoldNuggetInvest members will know the one) and there is SSL encryption of the accounts provided by Rapid SSL.

If you need to communicate with the admin for whatever reason then you can do so via a direct e-mail link or else by submitting an online support ticket. Links are also provided to the discussion threads in the main investment forums.

The business and investment activities of AmericanInvestmentFund are best skipped over, if they even exist at all. There is only the vaguest mention of some kind of strategy with no information of any substance. The texts are partially (as far as I can see) but not entirely original so there’s really no need to pursue that. Just accept it as a regular online HYIP and take the thrills and spills that go with it in equal measure. And while despite being a long term program geared towards running for months rather than weeks, the same rule about those who join first earn the biggest profit will always apply. If you think they need time to establish a better reputation, then that’s fine. You can always make a smaller deposit, see how they perform, what kind of support they offer, etc, and take it from there. But overall I’d be optimistic about AmericanInvestmentFund and can definitely find a place for them in a well balanced and diverse portfolio.

Other news for today.

Ok, let’s start today’s update from the new program ShiftMoney which I joined just last night (it’s first full day online). Here is the first announcement that was published on the website straight after the grand opening:
“ShiftMoney Official Launch!
Hello valuable members, I’m administrator Bernard and I’m online to announce officially the launch of ShiftMoney Inc. After almost 2 years operating privately and more than 6 months operating from this website ShiftMoney only with invited members we are glad to inform the process of incorporation is complete and ShiftMoney Inc. is already a legal registered company based in Belize City, one of business-friendliest jurisdictions in the world.
Starting from today, October 12th, we are opening ShiftMoney Inc. for new members. Investment conditions can be found on http://shiftmoney.net/?x=investing. Please go to this page and read our lines, in the main page you see we offer three investment plans and you make a deposit starting from $10. You have wide option of payment methods to process your deposit, we accept several payment systems, AlertPay, SolidTrustPay, LibertyReserve, PerfectMoney, StrictPay. I remember you can use credit cards via AlertPay and SolidTrustPay. But not only that, if you don’t have an e-currency account you can invest using bank wire. We have a special page of help and guidelines about the program and payment methods, please visit http://shiftmoney.net/?x=help.
Any questions you can contact us, our consultants are online 8 hours a day to serve you.”

To tell you the truth, ShiftMoney really looks fresh and different from most others. Just check out those voice guides and music in the background. There’s more though on the backgrounds: certificate of incorporation from Belize, promotional bonuses for some payment processors, flash-presentation and many other features. If you want to read a more detailed analysis of the ShiftMoney program please check out my blog tomorrow as I’ll be reviewing it then. I just wanted to let you know about the investment plans (which will only be available for 30 days before being changed): 110% after 5 days, 150% after 15 days, 200% after 25 days. I myself invested in all three plans as I’m sure that ShiftMoney will be here for a long time. There are five major processors being accepted along with Bank Wire deposits for deposits over $1,000 (which is again quite rare among short or medium-term programs). You should also remember that the minimum to withdraw is $5 and that there is a flat fee of $0.25 for each withdrawal. If you encounter any issue in your ShiftMoney account please don’t hesitate to contact the admin of the program via email, Skype or via Live chat that runs for a few hours per day.
Here is the first newsletter that the admin sent today. Please read it carefully if you’re a member or are just interested in participation:
“This is our first message to you, I am Bernard and I have the help of my partner Felix to write it for you. The first hours of ShiftMoney Inc. were excellent, I thank you all for your support. I must also thank those who have raised some questions about our program because it helped other members to better understand the purpose of the program. In the first hours after the launch we have received thousands of visitors from around the world and hundreds of members who have already registered and are participating in the program, most of them are already active members since made their first deposit.
I ask the patience of those who sent us emails and requests for assistance, our inbox is full of messages and therefore we are yet to reply to all, however I firm that in the next few hours all will be answered. We have received countless e-mails from monitoring services, unfortunately we can not meet all, I ask the understanding the administrators about it, and I hope you do not miss this opportunity of business that we offer because of this.
We are sure that ShiftMoney Inc. was welcomed by the hyip community and that in the coming days we will see a lot of content spread over the Internet about us. We have already received the first contacts from some media sites, several have already been answered. We are very optimistic about the future of the company and believe that you are too. Please read following topics.
Not credited referral commissions
Due a small error in the system several members didn’t have their referral commissions credited, my partner Felix checked it a few minutes ago and everything is ok now. I ask those who were not credited to please contact us and we will solve your problem as soon as possible. Today I will be exceptionally online 2 hours earlier, so please go to Support page, you will find a link to Live Support, click in this link and talk to me.
Promotion of the week: SolidTrustPay
Remember that this week we have a bonus of 5.00% for members who deposit using SolidTrustPay, promotion valid untill October 17th. The bonus is not automatic, you need to request your bonus, to do it please visit promotion page http://shiftmoney.net/?x=promo and click the ‘Claim Bonus’. We will verify your bonus claim and return a response within 24 hours.
Please request your bonus in the link ‘Claim Bonus’ of promotion page, otherwise you will not receive the bonus. All requests must be made until the October 17th, late applications will not be accepted.”

There was another update coming from PTVPartner – the program that is offering four investment plans: 110% after 10 days, 125% after 20 days, 145% after 30 days, 190% after 40 days (read more about this in my detailed review published here). As usual the admin of the program Garrett (interviewed here) was his usual talkative self, very chatty and just bursting with even more incredibly fresh ideas. Unfortunately, I wasn’t able to visit the meeting room last night (I was at the theater) but Garrett promised to make it available on PTV Radio so I hope to listen to it tomorrow and will share my opinion then. The integration of the new website might take another week so everything should run without any issues (which is very important of course). Can you imagine that the members of PTVPartner may not only earn some pretty good profits on their deposits, but also socialize with each other in the chat rooms and even make friends. There is one such opportunity coming this Thursday called PTVParty with some festivities and live music. Well, a DJ anyway but you know what I mean. I will try myself to join the party at 2 am GMT on Thursday. You’d say – it’s madness? I’d say it’s a great reason to have some fun and entertain ourselves at the same time feeling more connected with the program you’re a member of. And I’m pretty satisfied to be a member of such an innovative program as this Here is the latest newsletter from Garrett with all the important news and updates:
“Another Glorious Day at PTV….after day….after day….after day!
Meeting
For those of you who missed our meeting last night there is no need to worry. I am going to record the meeting after this announcement and make it available thru the PTV Radio feature on the new site. You will be able to access it by going there. If you are unsure where there is, you will need to come to our site and we can direct you. The meeting went well. It lasted about an hour, which included a Q & A session afterwards. We will continue to have a weekly meeting at that time slot for now. (Midnight GMT Monday evening).
Chat Room
We decided to forgo making a change to a new chat client at this time. We simply have too many things happening and do not want to consume our time, at this moment, learning all the new features. It really would have been a support nightmare assisting members in understanding how to download a plug-in, and get sound working etc.
We have expanded our ‘FlashChat’ room to 100 seats. No plug-in is required. The chat sessions are encrypted and the simplicity of using this client is wonderful. We may be acquiring a customized version of this software in the near future. We would like to see some of the attractive features that the TC chat client had, integrated into Flash Client. Half-Duplex Mic, Integrated Browser, and recording option with an on-demand playback per user would be the features we desire. We are looking into these things and will keep you informed as/if they are made available.
We need to inform the members that the recording of our chat sessions is not allowed. We need to maintain control of the information distribution to the best of our ability. As I am certain you will agree, we do not need numerous rogue recordings being made and wandering around the internet. Can we stop it? No! But we can make it known that we will consider it a breach of your agreement with PTVPartner to record, create, possess, distribute, assimilate or copy any material in our chat sessions without permission. Anyone that has, or is considering making, a personal recording should read the ‘Terms’ information available on our site. We would think that, as members, you would do your best to assist us in maintaining our programs integrity by informing us of any infringements involving our material.
We have a New Chat Room. Since the launch of our program, many members have requested that we play music when things are quite and slow, or perhaps they like to show off their voices and sing to us, or become the DJ of the hour. Others, however, feel that we should remain a more professional environment. They have referrals coming in, and want things to be represented in a professional manner. We understand both sides of the issue. So we are going to maintain, or perhaps even increase the professionalism in the ‘Community Chat Room’ as well as add another room for those that want to let their hair down and cut loose a little.
To start this new room we will have a PTVParty, Celebration, Gathering, Festivity….call it what you like. This will happen Thursday evening from 2:00AM GMT till 5:00AM GMT (or until they kick us out). We will have a variety of Music, perhaps a DJ (anyone who has a good music collection and is willing to assist should please apply at out chat room) we may even allow a little Karaoke from time to time (bring your best voices please… we don’t want to run anyone off if you know what I mean?) A lot of members are excited about this ability to have a good time with the friends they enjoy online. So invite your friends, come hang out with us for a few minutes or a few hours. We would love for you to stop by, member or not.
This new room is located just below the ‘Community Center’ and currently is ‘Nameless’.
Which now brings me to the next subject. The, Name-The-Chat-Room, contest. That’s right!
It has been requested that we have another contest, so here you go. You will need to be a registered member of PTVPartner to qualify, but you need not have any active, previous or current deposits…. Just an account (so we can pay you). The contest works like this. Come to our forum and give us your best pick for what we should name our new chat room. It’s that simple! Just make a post in the Forum under the contest thread (your forum username is associated to an activated email…this must correspond to the email associated with your PTVPartner Account as well). You may only post once. The contest will run for 10 days. At the end of that time, we will select our favorite 5 names. The top name will be of course the winner with 4 other places awarded. Prizes will include…
$50 – First place. $40 – Second place. $30 – Third place. $20 – Fourth place. $10 – Fifth place
Winners will be selected by the majority vote of the Mod Staff.
Again, we invite members and non members to participate. You do not have to make a deposit to win. Simply sign up at the forum and website then make your post and we will announce the winners after the contest.
Good Luck to all and remember you have to enter to win.
One note I want to reiterate here. As we described our intention to various members regarding the above Party, new room, contest and etc, there are those that feel it is unprofessional to engage in these type activities. I want to remind everyone, we are not Wall Street, Charles Schwab or Morgan Stanley. This is PTVPartner. We are a group of expat’s. Many simply live the good, laid back jack, life as I once described it. We did not create this to be a stiff necked white collar environment. We enjoy ourselves. We want you to enjoy yourself. We will maintain a place for new members to come and see a professionally supported program. We will also provide a place where we can move from acquaintances to associates to friendly and perhaps to friends. We hope you don’t hold it against us if we go against the grain. That is just who we are, why we have been successful and a part of our future. This may not be what everybody is looking for. It may not be what any of you are looking for. It is what we are looking for. We hope you join us.
Looks like the new site will take most of the week. We are working as hard and as fast as we can. You should realize by now, it will be right. Again, our goals have not changed. We are striving to become (if we haven’t already) …
The Ultimate High Yield Asset for your Offshore Financial Portfolio!!!
Start the Experience … join PTVPartner to … Free your Life!!!”

Are you not tired of the long newsletters yet? Then take a look at this one sent by the admin of WLInvestments (reviewed here). It seems that after removing all the fake biographies from the site WLInvestments are now being taken more seriously by the investors and the growth in deposits has exceeded all the admin’s expectations. Of course the addition of AlertPay as a payment processor helped a lot. I must say that though I was quite skeptical about this program at the beginning now I’m starting to see that the admin has every intention of making her program the best. Certainly some aspects I disliked like lack of a proper script (which will be fixed soon according to the admin) and some of the lies about the “biographies” of those imaginary people that were allegedly behind WLInvestments. But taking into consideration the admin’s willingness to improve her program in any possible way I think it could be around for the long haul. The recent announcement about the interview with MNO that will be conducted soon makes me think that the admin of WLInvestments is ready to answer all my questions, even if there might be some unpleasant ones. I hope this upcoming interview will show us who really stands behind this program and how serious their future plans are. But for now please the following latest update from the admin about their plans and further developments:
“Dear Investors and Friends, Hope this mail finds you in good health and spirit.
This is our fourth mail and will encircle improvements and incidents between last news letter and this news letter, our performance so far and future plans.
a) New host, Excellent uptime – Our site enjoys excellent DDoS protection services from Staminus and we haven’t hesitated to opt for highest hardware specifications available for the dedicated server. We are hosted at Staminus since 30th September.
b) Performance – One word. Spectacular.
I still remember when our first newsletter (dated 26 August) mentioned 16 members with $1516 total investment. That made few of our critics fall on floor with laughter.
Now, the performance numbers are –
No. of Days – 109. No. of Active Investors – 180. Total Investment – $30,929.30. Highest Individual Investment – $4,000. Payment processor vice breakup – $27,201.3 (LibertyReserve), $2092.07 (AlertPay), $758 (PerfectMoney), $658 (StrictPay).
That’s 2040% growth in client’s investment last 50 days.
Of course, that’s 100% clean numbers without even $0.01 of over/under statement.
c) Alexa Ranking – Our 3 months Alexa rank stands at 255k (that’s 1000% improvement) in last 3 months. Our popularity is global and not by a specific region alone. You can analyze our ranking performance here http://www.alexa.com/siteinfo/wlinv.net
Again, that’s 100% non-manipulated growth.
d) Monitors –
We are now monitored by 22 monitors –
Goldpoll, Money-news-Online, Hyiphome, Invest-tracing, Refback80, Hyiphall, Iehyip, List4Hyip, Allworldhyip, Hyipdownline, F888 Monitor, Hyipcenter, Prime-Hyip, Key4Hyip, TopHyipSite, HyipSun, AsiaHyip, HyipBid, HyipCruiser, BigProfit, Ihyips and Uhyips.
e) Future plans –
I) Script Improvement – In three week’s time, we expect to improve our script and also make the referral link provision.
II) Phone Support – Within three week’s of time, we will have at least one phone line available 12 hours a day for customer support. That will be in addition to already available 14×7 online support.
III) E-commerce Journal Review and Interview – As soon as our Script improvement is done and phone support is implemented, we will get be reviewed by E-Commerce-Journal and our Interview will be published.
IV) Money-News-Online Interview – Once above three are done, we will proceed for our Interview with Money-News-Online.
As always, we welcome your comments and suggestions!
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”.

There is some strange thing that I noticed in my backoffice account is SensibleInvest program (reviewed here). It seems that AlertPay is no longer available as a payment option so no deposits or withdrawals via AlertPay can be made at the moment of writing this. I don’t know what the reason of this and I’ll try to email the admin Sandra (interviewed here) and find out more details about that. I hope their AlertPay account is ok and was not suspended so they could continue with AlertPay. Meanwhile I have received another email from the admin of SensibleInvest stating that her program was going stronger than before with many people joining the new plan of 16% for 10 days which was only introduced yesterday:
“Hello All! Wow, I see that you like daily plans! 16% daily for 10 days is very popular now. In 24 hours 340 members deposited total $31.566 !
I want tell you again about 16% daily for 10 days plan:
Minimum $15, maximum $15.000.
$150 bonus for investors who invested $1000 or more (will be added in 24 hours of few minutes if I’m online).
You earn 16% daily for 10 days – you can withdraw 16% every day to your e-currency account!
For example: If you invest $1000, you will be able to withdraw $160 every day for 10 days, you will withdraw total $1600. But it is not all!
If you invested $1000 or more, you got $150 extra! So your total earnings will be $1600 + $150 = $1750.
I hope all is clear now. Thanks for choosing us! Sandra.”

IncoForex (reviewed here) added another language version on their website and this time the lucky ones are French people who can enjoy the benefits of operating the site on their own language:
“French Language Has Been Added
Dear Investors! You can explore our website in french. Just type http://fr.incoforex.com in your internet browser or click appropriate icon on the top right corner of our website.
Thank you for choosing us!”

CSMFinance (reviewed here) is also improving and they just added more .gif banners to their referral page. So you’ve been looking for some proper tools to advertise them (they are paying 1.7%-2.1% for 200 days with principal returned on expiry) you will find the new banners in your referral area:
“CSMFinance keeps getting better. The new GIF banners are published on Affiliate Program page of the Member Area. The FAQ can be found on Help page.”

XomFund (reviewed here) updated their members about the upcoming downtime their site will be experiencing tomorrow. More on that in their latest update:
“Server System Upgrade & Deployment [ Tuesday, 13 Oct 2009 ]
To accommodate an increasing number of worldwide investors, XomFund will undergo system upgrade to a better server specification and system security enhancement.
There will be downtime of approximately 15 minutes to 1 hour starting from USA Pacific Time 1:00pm (GMT-08:00) 14th September 2009.
We appreciate your kind patience and look forward to serve you better.”
I remind you that XomFund is a very new low-ROI program offering you the following investment plans: 1.1%-1.5% for 90 days, 1.6%-2.4% for 120 days, 9%-12.5% for 26 weeks with the principal returned back on expiry.

GlobalFund (reviewed here) came out with some surprising news today: they are launching their own debit card soon. It was not specified when exactly it’s going to happen but such a serious approach to their program makes it look better in the eyes of potential investors. Here is what I found on their website:
“Debit Card will be available soon
We will launch our own debit card very soon. Now we are still in processing with the bank. More details will update soon.”

Speaking about debit cards I can’t not mention that SolidTrustPay is still struggling to pay their debit card holders. It’s now taking up to two weeks to complete their payments. And today they were expecting a Bank wire to fund Debit card withdrawals which for some reason was rejected once more. So SolidTrustPay is now asking for yet another day (or two) to complete the withdrawal requests to their cards. They even promise to waive the $5 withdrawal fee as compensation to the members waiting for their payments for more than three business days. This disruption is surely making many people mad (and will definitely cause an enormous shift away from SolidTrustPay to their main alternative StrictPay) but there is nothing we can do about that. At the moment I suggest not to use the debit card withdrawal option if you’re a client of STP but rather use other withdrawal options or make an exchange via Xchanger.org site. Here is the latest in a long line of excuses taken from STP’s official blog:
“Members – we agree 100% with your comments above! It sounds like an insane excuse, but we received word again this morning that another wire was sent back. The correspondent bank is now asking for an ABA number, which they have never asked for before. We are just as angry and upset about this as all of you are!
Compensation – all members with loads older than 3 business days will have them completed with NO FEES.
We ask that you hold on for another day or two. Cards will be loaded with the longest waiting request first, of course.”

By the way, I’m glad to report that I was paid by BlackDiamondPortfolio though it took almost 48 hours (which is still within their terms of service). I’m not sure about the reason for the delay. The admin of the program told me that Xchanger.org was to blame for an exchange delay however when I asked him to give me the details of the exchange pending (I could help him by contacting Andrei on live chat) he simply ignored my email. Anyway, whatever the reason for the delay let’s hope they solved it by now because I have received both of my pending withdrawals today. If you want to read more about BlackDiamondPortfolio please click here to read the review.

Thanks to everybody who wrote to me and told that the admin of MetaStocks couldn’t be trusted and that not all the pending withdrawals were paid. It saved me the trouble of returning his program to my monitoring page and I would like to warn you, guys, about dealing with this program. Seemingly MetaStocks is paying very selectively (possibly to some monitors only).

There are many programs that paid me today so to finish until tomorrow I’ll just give you the list here: PanaMoney, SensibleInvest, GoldNuggetInvest, SeamlessProfitable, IncoForex, MoneyCare, Infinitum, GeniusFunds, NanoMoneyCorp, WLInvestments, AmericanInvestmentFund, ReliableFunds, MindPowerSurf, RoyalRoi, SavInvest, CedexInvest, InvestmentForge, GlobalFund, XrateInvest, AxaCofinance, BlackDiamondPortfolio, OneDailyPro, XagaEnterprise, KobelCapital, XomFund, BlitzInvestments, Verifield, AdsDailyPro, FxCapitalInvestment, PTVPartner, CSMFinance, Capitalex, Metualis, StableInterest and ShiftMoney (the first payment received). See you on my blog tomorrow with an interview with the admin of SeamlessProfitable, a detailed review of ShiftMoney and of course the most up-to-date news from HYIP industry for which MNO blog is most famous for!