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

Hi everyone! Hope you all had a good weekend. But back to the real world now and with buckets of rain falling here today so I couldn’t possibly imagine a more dismal start to a Monday morning. Come to think of it this is the same week that contains the anniversaries of Pearl Harbor getting bombed and John Lennon getting murdered. God I hope this week brings us some better news before Friday!

Anyway, let’s hope that’s not a bad omen for the program I’m about to review! Because to kick off the week I want to look at a new autosurf program launched a couple of days ago called SurfVesper. Or rather I should say take a closer look at, as I already mentioned them in Sunday’s news update. It is an autosurf but it’s got a slightly different approach than what one normally finds in the industry. Not unique, but at least worth a look.

When you first arrive on the SurfVesper website you will most likely find yourself on the home page. As good a place as any to start. And that is where you will find the admin try to outline his philosophy on the surfing industry and how to get it to work for the benefit of him and his members. Actually succeeding in doing that is another matter entirely, and don’t worry, I’ll get to that too. But for now he at least appears to have a good handle on things and makes a fair point that lower paying programs with longer investment terms do indeed tend to last that little bit longer.

Which brings us nicely onto the sole investment plan on offer from SurfVesper. You will be paid 9% interest on your deposit for a term of 15 days. You will also be allowed to collect this interest payment on a daily basis.

So what do you have to do in return. Simple. You have to surf 15 sites per day in automatic mode for a period of 15 seconds each. As with other surfs you are required to buy ad packs. In this case the price of one single ad pack is just $1, but please note that you are required to buy at least 9 of them. After doing that though you are then free to continue upgrading in units of just one single dollar until you reach a The maximum. 9% per day will see you break even and earn your first profit after 12 days. By the time the cycle finishes you should, fingers crossed, have amassed a total of 135% in returns.

All the main payment processors are accepted here, including AlertPay, LibertyReserve, PerfectMoney, SolidTrustPay, and StrictPay. No shortage of choice anyway.

SurfVesper is running off a licensed Neversay script which is almost standard issue for autosurfs these days. The hosting is provided by HushHosting who have them on a dedicated server and are protecting them from DDoS attacks. And for what it’s worth the overall design is quite original with colorful pictures of wasps flying around. Not that important for much beyond making a good first impression in my own opinion, but at least it’s eye-catching. Contact with the admin is in the form of a direct e-mail link. You may have a few questions for him as the FAQ page is woefully thin. He assures us he will be active on the main investment forums, though after only three days I can’t really confirm that. Personally I prefer it when admins are active on their own sites, but as long as communication in some form or another is treated seriously then that’s the main thing.

Getting back to the texts on the home page the admin does spell out his ideas for supporting his program in the all important first few cycles and that’s admirable. If it works that is. The SurfVesper website itself is good (with the afore mentioned exception of the FAQ) and the plan is sustainable and profitable. But then, and sorry to put a damper on things, but there is the issue of timing. All too often this year have we seen good surfing programs collapse because they lacked one crucial ingredient – surfers! I’m sure the admin will hate me saying it, and truth be told I’m getting a bit sick of having to repeat it, but December always throws up a lot of problems for online investment programs.

To be fair they’re not always of the admin’s own doing, hit-and-run investors play their own role, but if you end up losing money then the reasons why are rarely of much interest. But I don’t want to close on a negative note. The problem, “Black December” as it’s so often dramatically labeled on the forums, can also sometimes be overstated. There is still the same amount of money in circulation and there are still some great opportunities to make money online. You just need to be more selective about them and exercise a bit more restraint when it comes time to pull the check book out.

So be careful with them but don’t be afraid of them. Just remember that SurfVesper is an online gambling based game like all the others. Approach it as such, and should you decide to join then do so with an affordable amount that adequately reflects the nature of online games.

Other news for today.

Those expecting their daily payouts from GoldNuggetInvest to their accounts for the payout requests made on Saturday and Sunday found them in their SP and STP accounts a bit later than usual. Later, but still paid. LibertyReserve payouts were processed on time but that didn’t stop some impatient members from posting their concerns on the official GNI forum. I simply cannot believe that such a great program like GNI (reviewed here) with a proven payment record of over a year can be questioned if the payouts are delayed for a few hours, especially as according to Todd (the support staff team leader) it was connected with an audit they had to do on SP and STP cashout requests today which caused the delay.
What’s really puzzling me though is why some people who don’t even monitor GoldNuggetInvest find so much time and resources into venting all their bitter, jealous and bilious feelings on other investors stirring up unnecessary discussions in GNI‘s thread on the ASA website. The most recent attack was directed at the charities the GNI administration chose for its members to offer donations. I think that seeing that the payouts are on time every day and there was no complaints either the anti-GNI witch hunters want to mislead investors and lure them into their own cheap scams that they are promoting heavily during the Christmas season. You might be aware that every day more and more people realize GNI‘s potential and join up with no regrets.
To those who don’t know, this sports arbitrage based program offering 6%-7.5% weekly has been paying investors for over three years now. But certain people can’t tolerate the idea that you are making money from this while they are not. So they choose to attack GNI at every turn. And now the charities are in question. Well, it is not compulsory to donate to those charities which have been chosen by GNI administration. It’s totally a matter of your own free will and any donation will be accepted with gratitude. If you don’t trust in GoldNuggetInvest and don’t wish to donate then simply don’t do it. It’s that simple. Nobody will judge you for that as it’s your own free will. In fact nobody will ever even know about it. It’s a very simple choice of believing a three-year old investment program with proven payment record or a shady monitor that is known for its greedy and ruthless attitude and will attack anything not pandering to him. I’ve made my choice and I wish to believe Robert’s good intentions about this initiative but if you are not willing to donate just don’t do it.
If you prefer you can always donate to another charity of your choice. But one way or another you will still be the one receiving a weekly payout while everybody else will be standing there looking at you. The choice to be in either group is yours. As Todd (the head of GNI support) said in his latest update answering this small and bitter little man, it’s a matter of trust and you can trust whoever you like and do your own research on that but also bear in mind the hidden agenda of the attackers. I myself believe in my readers’ common sense and I believe you will make your own free choice on GNI. Here is the answer I saw on ASA forum from Todd:
“Additional payment verification implemented as well as account auditing is being conducted…sorry for the delay. Won’t happen often but when it does, it does.
Regarding the charities. We have proven to be honest and forthright….Those of you who chose not to believe in us…that is your choice.
Regarding these two charities, they didn’t come to us, we went to them…We selected charities that were seeking to make a difference. If you don’t want to give, don’t. if you do, do. if you have another one you would like to bring forward, do…we made our selection…we have researched. GNI makes nothing off these, it is costing us money help these organizations. We wanted to give back and were hoping our friends who are with us were interested in helping.
I’m seeing some ugliness in people that I not only didn’t think existed, but couldn’t imagine existed. Think about who you’re hurting before you put to print that which you do. Thanks.”

It seems like the admin of WiredMoney which totally failed even to make his program last for one cycle (it collapsed after only 8 days online) is now using a very sneaky tactic in order to get back the investors’ trust in his program. In his latest update he promised to refund members using StrictPay, SolidTrustPay and AlertPay. Here is the update and my comments after that:
“Hello everyone, sorry for not being updating you in the latest days.
We all know that WiredMoney faced problems recently, so I’m here with an important update. First of all, I have nothing to hide and I never run away with the funds of WM, lol.
The actual problem that caused delays in payments was the cashflow. Members didn’t use LibertyReserve and PerfectMoney ecurrencies for the latest days to deposit. You all know how it works and therefore there were no funds to be sent anymore in these ecurrencies.
Another thing is, if you think I made a profit myself – you’re wrong. Why should I run away with funds and especially that fast? WiredMoney was a brilliant idea, just lacking the members support eventually.
I will do refund everyone with remaining funds who used SolidTrustPay, AlertPay and StrictPay.
Your understanding and support now is much appreciated. Ralph Sanchez”.
Ok, the admin decided to blame the investors for the failure of his program and refund the funds which he can’t withdraw anyway. I remind you that SP, STP and AP are known for their strict policy towards fraud and they would definitely freeze Ralph’s accounts in them which are probably verified under an assumed name had he chosen to scam. So instead of admitting his bad administration skills he chose to refund to selective members in order to keep the remains of his reputation intact and possibly launch a second round in WiredMoney or a brand-new program. I wonder if he really believes that the investors will buy it. Please note that he didn’t refund to anybody through LR and PM not because he doesn’t have any funds left there (remember that the first cycle even was not finished) but because he had withdrawn this money already as can easily be done in anonymous payment processors like these. So instead of admitting an awful failure (WiredMoney lasted for 8 days) he is probably trying to open another program which will be followed by some people who refunded by him praising an honest admin on the rise. Well, being in your place I would think about the longevity of his previous program first before rushing to join another one. And remember that no admin makes selective refunds without having some hidden agenda in mind. Remember that we’re in a very bad month for short-term programs when scammers are usually very active so please be more selective when choosing where to invest your money!

As I said in yesterday’s post not every short term program aims to scam you at the earliest possible opportunity. For instance I named two program that I especially like. The first one is undoubtedly RosalinFinance (reviewed here). Having been paying for over 40 days already the program seems unstoppable and even the latest issues with AlertPay are not preventing them from paying to other payment processors including LibertyReserve, PerfectMoney and StrictPay. Today they opened a new AlertPay account to accept new funds which however will be first properly verified to come from trusted sources which could take up to 5 business days in order for AlertPay to verify everything. Considering that some of the investment plans offering by RosalinFinance are very short-term (starting from 105% after 1 day or 107% after 2 days) it doesn’t appear to be a wise decision to use AlertPay for depositing. Despite other payments still being processed within 24 hours I would advise MNO readers not to deposit via AlertPay in this program for the time being. On the other hand, all the other deposits and withdrawals are working like clock-work and should be fine if you wish to invest (please refer to my interview with the admin of the program here for further info). Here is the newsletter from RosalinFinance received today explaining the current situation:
“Hello dear RosalinFinance members, We have registered a new verified AlertPay account Tammypoj@gmail.com
Now you can deposit to this new account, but until now our previous account is block yet and we are awaiting for a reply from AlertPay.
So because of staying prevent fraud from now we will process AlertPay withdrawals that are high, within 5 business days (AlertPay must verify users deposits). We didn’t this job for our previous account and blocking reason is some users deposits with black money to our account. But now we will check all accounts and all deposits strongly.
So we are exchanging some fund to get AlertPay funds and you can withdraw from now but maybe you receive it with 3-4 days delay because of our condition. You know that this will go to being better soon.
Other ecurrencies are ok. Thanks for your understanding. Our new AlertPay account is : Tammypoj@gmail.com
Best Regards. Bernard Pandera. RosalinFinance”.

Another promising short-term program with a very honest approach is RichAliens (reviewed here). The program has been online for over two weeks now offering 11% for 11 days with daily payouts and 144% after 12 days with payouts on expiry. From my conversations with the admin and my interview with him (published here) I tend to believe that he’s quite a straightforward guy who really has an intention to break the seasonal tendency and make his program last for as long as possible. Of course, the last word in this will be the investors’ decision to support his program or not. But he’s really hoping for the support of RichAliens of which he let us know in the latest newsletter from his program which I’m republishing below:
“Hello Earthlings, The aliens decided to use human words today… so the update begins.
RichAliens is 16 days old today. Deposits have reached over 35000USD and the total members is now 525. Knowing that the month of December is not a very healthy month for programs like ours, the growth rate we have is good already compared with other programs right now. But I could use a boost, so check and see if you can reinvest or support the program more, promote it and just be active. If we can surpass this month with a good rate then it is almost a guarantee that the next month will be a really really great month for us all.
With the other competitors dying before they even reach their 1st cycle, RichAliens have already surpassed that mark and still counting and living on. We could do better if we really join hands and make RichAliens a one a kind program. Remember, I cannot do this alone, I need everyone’s support . So if you’re right there waiting, why not make your share and let’s begin to change this black month and make it colorful.
Thank you to those who are helping the program grow through their redeposits, advertisements, promotions and being active on the forums. Credit goes to all of you for keeping RichAliens alive.
16 days is no great feat but it sure is an achievement in this trying month.
RichAliens. Log in and make your share.
Your Rich Alien, Robert Raile”.

The admin of another short-term program CruiseFunds which was introduced on my blog last night and will hopefully be reviewed by tomorrow had a pleasant surprise for me today. It seems he really has some kind of income from his SEO traffic efforts as he’s quite good at it. He even sent me a screenshot of his account to prove his earnings. Well, I’m not sure if he’s going to use this income to back-up CruiseFunds‘ high paying plans of 10% for 12 days or 144% after 12 days but at least he seemed to be knowledgeable enough to talk about this business. Let’s hope that CruiseFunds will become another hit among short-term programs and will not be stopped by the current seasonal trend.
By the way, the admin of CruiseFunds sent out an important update today mentioning that StrictPay upgrades are temporarily disabled until his account is properly verified by them. The admin already removed this depositing option leaving investors with AlertPay, PerfectMoney and LibertyReserve processors only. Those who already deposited via StrictPay are advised to contact the admin and if they don’t wish to wait they can receive their earnings to different payment processors on their profile. Here is the first update from CruiseFunds:
“Thank you for joining our program. We are glad to announce that program is growing very fast, in less than a day our program already joined 100 members. Thank you for your support.
All payments has been processed, so we would like to ask all members who got paid, please support and rate us at monitoring sites. Also don’t forget to support CruiseFunds at forums.
Some more news. Currently we have problems with StrictPay. Hopefully today they finally will verify our account so we can start StrictPay payments. If you are waiting StrictPay payment please let us know, so maybe we can resolve this problem paying by other payment processor.
See you soon with more CF news.
Best regards, Daniel”.

The admin of XrateInvest Karin (interviewed here) never fails to impress me. And the surprises just keep on coming. First of all, all the members that deposited directly and were not paid could contact the admin directly at xrateinvest@gmail.com Some of the members were not aware of that and that’s why they contacted me after not receiving their regular payouts from XrateInvest. I’m glad to report that every single request was handled by Karin herself who took care of all the members seeking help from me. Apparently some of the members that made direct deposits into XrateInvest (without opening an account) were not paid for the reason specified in the update published below. Another great thing is that Karin opened another adult site which had already been planned for some time. All the details about the new site are mentioned in this latest weekly update from XrateInvest (reviewed here):
“General Company update from Karin (updated weekly)
07/12/2009 – Info about (bang-the-world.com)! And our weekly update!
Bang-The-World.com our next “money making project” is starting soon. One girl and one lucky guy will travel around the world and have XXX fun with girls and boys from different countries and cultures… and earn up to 4000US$ weekly. The Bang the world Plane will start in Feb.-Mar. 2010. Check out www.bang-the-world.com for more info!
With an income (not profit) of over US$12500 and recharges of just US$400-550 daily this week we are almost in the state of last week. I was very busy this week, for promoting and sponsoring the Bang The World Project. XrateInvest Investors will take part of the profit with 50%!!
Important note (Direct investors): Our direct Payment database got corrupted. I updated it this weekend and it should be fine again. Maybe some of you had late payments but everything should be in order. If you think you are a direct investor and you feel something is wrong send an email to xrateinvest@gmail.com
Best wishes. Karin”.

There were some payment reports and updates from other programs. Take TalixMetals for instance (reviewed here). They state that they made 57% profit for the last two weeks online. I would find that hard to believe myself, but one thing is for sure – the first weekly 10% payments from TalixMetals have been processed successfully. I was the one receiving my first 10% payout last night. I remind you that TalixMetals is a very new program claiming to be involved with the gold refining industry. I had some questions regarding the authenticity of these claims and their certificate of incorporation from Peru so I put them to the admin in an interview for MNO which I sent today. Hopefully he will answer my questions during the week and MNO readers will find out more about the site which is definitely one of the most promising new low-ROI programs now. Here is the latest news from the admin of TalixMetals Michael:
“To all our valued members, TalixMetals made 57% Profit from our two weeks refining project, we are now preparing for our next project that will sure be more profitable than our previous one. we already contacted different surplus material contractor in the different country to provide us all available resources that they can give so we can increase our operation.
TalixMetals already has 500+ Members. We will launch our major campaign for TalixMetals in the upcoming days. This is to increase investors awareness for TalixMetals.
Many people are asking about the principal deposit withdrawals, Many are confuse because our banner shows 10 weeks but our homepage shows 45 days.
The real one is 45 days, this happen when the last minute of our launch we have concluded to lower it to 45 days, but we cannot contact our designer anymore. If you have anymore question about your deposit please submit your message via support page and we will answer all your question in a short span of time.
Regards and Happy Holidays! TalixMetals Administration”.

4CountriesCapital (reviewed here) published their weekly update about the trading results later than usual which meant I can only update you today. In the update there was also mentioned new payout schedule and some issues with crosschecking of their withdrawal system which should be fixed soon. Here’s the latest from 4CountriesCapital for your attention:
“Dear Members, sorry for the late update, yesterday I was very busy so the update came today on Saturday! Trader of the day yesterday was Jakob again with 3.19% on the German TecDax! To total performance this week was 25.19%! Not bad! I heard that some people had problems with the withdraw crosschecking system. Our webmaster is working on it so don’t worry! Remember our update from last week! The minimum investment in the one country investment plan increased from US$5 to US$10! The other update is that all payments are proceeded every day between 01:00pm-05:00pm CET! We had to increase the minimum withdraw amount to US$3.50 from today! (unless it is a Ref. bonus).
So that’s it for today and no more changes. Best Regards and happy weekend!
Mrs. Jana Dagg. Founder Member and Managing Director”.

I have to move ZenithInvestment (reviewed here) to Paying status on my blog again as the admin actually contacted me again today, apologized for the delay with the reply and promised to make the withdrawal button available seven days per week. This is absolutely vital in my opinion for a program like ZenithInvestment paying 2%-2.5% for 60 calendar days to enable investors make withdrawals daily. Anyway, it seems everything is back on track for them now and I was already paid all my pendings today. Here is the latest news from the admin:
“Dear sir/madam, Compliments of the season to you all. We want to apologise for the restrictions placed on your cash out level. We had to do this to enable us carry out some changes in the management team. We however regret any inconvenience this may have caused you all.
Now the restrictions have been lifted and you can now cash out your money seven times a week. Once again, we are sorry. Thanks for your continuous cooperation.
Yours ever, Mr Parker. CEO.”

I was thinking about moving GlobalFund (reviewed here) to Paying selectively status today but decided not to. I’ll explain why. One of my readers contacted me for help. He deposited into GlobaFund but after the payment was due he was told that all investors with over $500 should get their own Debit card. Which is conveniently out-of-stock at the moment by the way. The price is the Debit card is a ridiculously high $250 which you should pay to their LibertyReserve account. The curious thing is that I found no mention of such a rule on their website. I remind you that this reader invested in GlobalFund via LibertyReserve and not via a Debit Card so he must be therefore be paid via LibertyReserve as well. So all the excuses given to me by the administration of GlobalFund are just laughable. Take this for example:
“In 30 days plans, if we transfer the profit to LR, we will loss a lot of exchange fee. At the mean time, we need a big amount in our lr account to pay our members and it’s not safe to have such big amount of money in our lr account.
Other reason, we want to verify our members those invested high amount, just simply order the card and we can verify their home address.
Debit card already offer since before the 30 days plan launched. Thanks”.
Well, I don’t know why should be called safe to run an HYIP that only accepts LibertyReserve like GlobalFund only for them to say it’s not safe to keep big amounts in LR to pay investors. The most important question was not answered at all though – why a member who invested in GlobalFund via LibertyReserve should be paid via a different method. There definitely should the other way around. After some pressure on my side the admin of GlobalFund agreed to refund to that member but without paying him the profit he earned for the monthly plan. Well, I find this a compromise so I will not be placing GlobalFund to Problem status on my monitoring page.
However, please note that it’s NOT advisable to deposit amounts over $500 into GlobalFund. I find such admin’s policy intolerable and really hope that he will put the info on his site so as not to mislead any more investors. I have not received any other complaints about them though so I can’t say that it’s not paying to anybody. But please be aware of these issues especially considering that the program started to offer an unfeasibly large 40% bonus that surprisingly will be valid only until the last day of the year:
“40% bonus! Limited time offer! This offer available until 31 Dec 2009 only. Get your 40% bonus by just register an account(if you do not have an account), make a deposit and invest into the 30 Days Basic, Advance, Premier or Diamond plan. After invested, just send an email inform us to claim the 40% of your invested amount. This bonus only can invest, can’t withdraw.”
If anybody has any difficulties with GlobalFund please inform me and the appropriate measures will be taken from my side.

As some of you noticed PTVPartner (reviewed here) might not be available for everybody. You can actually see this message instead of the website:
“We’re Moving. Please wait while we are shifting our servers. For updates please feel free to visit of chat room at any time.”
If you still have this message it just means that the website was not propagated in your area yet and you should try to access it later. The decision to move servers was made by Garrett last night after noticing some glitch in the script. So I guess they are moving back to Dragonara hosting. I hope to receive some update from Garrett by tomorrow and of course I will immediately publish it on MNO blog after that.

I have joined another site today. It’s called InstantMoneyBets and this time it’s a low-ROI program that has been online for over 2 weeks already. They claim to do surebet trading and promise to post the results on their site (so far I didn’t discover anything though). I have really mixed feelings regarding the InstantMoneyBets program. On one hand, it’s using an unlicensed script with no SSL so the security could be much better. On the other hand, they just moved their website from a shared server to a dedicated one on San2Server which is a rather positive sign of their serious intentions. The choice of payment processors is limited to four including; LibertyReserve, PerfectMoney, EcuMoney and AlertPay.  The investment plans offered by InstantMoneyBets are: 101% after 1 day (test plan with $10 minimum to invest), 1.9% for 42 days (with the $10 minimum and principal return on expiry), 2.23% for 120 days (a higher minimum of $20 and principal return) and finally the weekly plan paying which is the most profitable one paying you 18.2% weekly for 202 days (the minimum to invest is $50 and the principal will be returned in the end as well). The plans therefore are quite sustainable in the long run and if they really do what they claim they do they could pay to the investors for the long time. The admin of InstantMoneyBets mentioned today about some improvements (including the possible addition of more payment processors) in his latest update which you can find here:
“Great News from IMB. At the Weekend we have changed to a brandnew DDOS Protected Server and today we have added the new Feature “Daily Trading Result” this can be find at the Frontpage.
We will add there everyday our Surebet Trading Results so you can see we are really work with your money.
In a few Days we will add StrictPay and GlobalDigitalPay as an Payment option.
Don’t forget our Contest. Michael and Martin”.

That’s it for today except to just give you the list of programs that paid me today: ArbsFund, PanaMoney, AdsXtreme, CedexInvest, GlobalFund, InvestmentForge, KobelCapital, GoldNuggetInvest, AtlantisMutual, XrateInvest, RichAliens, MoneyPlus, Verifield, RefMotor, AimTrust, MandarinInvest, GeniusFunds, CSMFinance, 4CountriesCapital, ZenithInvestment, TalixMetals, AdFexFund, OneDailyPro, RosalinFinance, MoneyCare, EcosystemFunds, SurfVesper (the first payment received) and CruiseFunds (the first payment received). Join my blog tomorrow for a review of CruiseFunds and only the latest news from the HYIP and Autosurf industries! See you then, guys!