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

Hi guys! Hope you’re all well this evening. Yesterday’s search for some good news seems to have gotten some results today. I just returned home from seeing Chelsea and Nicosia draw in the champions league and found it very entertaining. Though not my favorite team their stadium is at the end of the street where I live so I do watch them occasionally. Tonight they finished top of their group despite a surprise draw but the game was good and there’s plenty of happy people around this evening. Most of them seem to be Cypriots and Greeks though.

Anyway, I’m sure most of you have little interest so let me get straight down to business. You may have noticed a couple of new names on my monitoring page since Sunday. One of them was a surfing based program that I reviewed last night. The other is a short term HYIP with surfing style plans and that’s the one I want to look at this evening. It’s called CruiseFunds and it’s been online for three days. With a name like that I wonder if it’s the admin’s ambition to earn enough money from the program to pay for a cruise, lol!

Seriously though, there are two plans available from CruiseFunds. One of them pays a daily interest rebate, while the other one offers a more generous payment on expiry but is also a much higher risk. The first plan is open to all deposits of a $5 minimum and higher. The plan’s investment term will run for 12 days. During that time you will receive a payment of 10% of your principal everyday. Upon expiry that will have added up to 120% of your total deposit but keep in mind that your principal will have counted into that already so don’t expect that back in a separate payment. It’s a return of $6 for every $5 you invest. Maximum spend is $4000.

The second plan sees CruiseFunds offer you a one time payment of 144% interest on expiry. Though that’s not exactly how they describe it. For a minimum deposit of $5 you will have a daily rate of interest of 12% accumulate in your account for 12 days. But you don’t actually get to withdraw any of it until the plan expires, by which time it will be 144% of your initial principal. That principal is again already included so it’s a 44% profit. Maximum spend is again $4000.

A good range of payment processors is accepted. Very good in fact for a program of this quality. CruiseFunds currently accepts deposits through AlertPay, LibertyReserve, PerfectMoney, and StrictPay. The other important thing you need to remember if that deposits can only be made in multiples of $5, which is of course entirely down to the script. Payments should, we are told, be processed within 24 hours.

And speaking of scripts, that brings me conveniently on to the subject of CruiseFunds‘ security and design. The script in question this time as many of you will no doubt have already guessed supplied under license from Neversay. That much is fine, as is the hosting. DdoSWiz have them on a dedicated server so downtime shouldn’t be a major issue for however long the program will last for. Please be aware however that SSL encryption does not feature on this website. If you have any further questions for the admin then customer support is offered via the usual online e-mail support ticket submission system.

Anything else is pretty much up in the air at this time. What happens next is anyone’s guess. There is a statement on the CruiseFunds homepage informing us of the programs intention to “create stable profit”. Sure it is. For themselves. As is the case with every other online HYIP. The question is whether or not the rest of us can make a few bucks along the way as well. That’s a choice I can’t make for you. But if you don’t mind the gamble and aren’t obsessing over the (serious) problems that befall the industry on an annual basis before Christmas, then ok. I decided to take a chance on the daily payments plan. The odds of breaking even and making a small profit are certainly no worse than any of the new short term programs launched recently anyway, but I wouldn’t get too sore about it either if you don’t manage to retire on the profits.

The timing is awful of course. The admin won’t like hearing that but no one will deny it. That by itself is no reason to condemn a new program like CruiseFunds but it won’t have much of a positive effect either. Sometimes however I know that being objective can look negative. And that isn’t how I want to look here because there is a bit going on behind the scenes that you may not be aware of. First of all writing to the admin a couple of times he does seem genuinely interested in running a successful program for as long a time as possible. And that’s all well and good but you do need some sort of sound financial base to build that on as well, which is where his other source of income comes into it. He is involved in SEO (Search Engine Optimization) traffic and would appear to be quite good at it as well. He has provided a screenshot of his commissions which you can see here. You are free to take this information any way you like it and are welcome to question the admin about it. If you doubt its authenticity then you can research it for yourselves. But I do believe the admin at least has good enough intentions.

Worth an affordable deposit from the gamblers out there, but maybe less so if you really are going to be depending on a fast profit.

Other news for today.

One quality I really like in a program admin is their communication skills and the ability to find a good solution for every problem. This definitely applies to the admin of RichAliens Robert (interviewed here). This guy with a very straightforward and “no-nonsense” approach has already won the hearts of many investors by telling things as they are and never hiding anything. This is exactly what is lacking in the admins of short-term programs who are usually very shrewd and never tell you the truth. Perhaps this time Robert will prove to us that it’s possible to run a successful short-term HYIP paying 11% for 11 days with daily payouts and 144% after 12 days for a sustainable period. Even during this difficult December. Just last night it seemed that RichAliens also faced AlertPay issue, this time it was a lack of funds and not because of restrictions made by AlertPay administration (like usually happens). Anyway, this was the update from RichAliens I received this morning which made me quite sad:
“Hello RichAliens Members, Due to the fact that the AlertPay funds have depleted tremendously over the past days. I have decided to just refund the recent deposits that I could with what has remained of the funds in the account. This month has proven to be a very difficult month for all programs around. I am decided to keep the program running with what remains to be usable, StrictPay, PerfectMoney and LibertyReserve.
I am still able to sustain the program with these 3 payment processors. If you notice, most programs who close shop usually has AlertPay funds remaining. We all know that this payment processor is very difficult for admins to take the funds out for their own endeavours. But this is what ran out with RichAliens and not LibertyReserve, which many program admins just take out when they want to. But take me differently please. I am not a fly by night admin and I am dedicated to what I do.
Given that this month was a terrible month for almost all programs, I am still here, sustaining the program mainly because I am not beaten by greed. I want to make a difference. I knew, I took a challenge to open up in this what they call as black month. But I need your cooperation in order to make a difference in this field.
I already took out AlertPay as a deposit option now in order to move on. Refunds have been made to the recent deposits that I could refund.
Let us carry on using StrictPay, LibertyReserve and PerfectMoney now.
The RichAliens are here to stay. Processing of payments for LR, AP and SP will be initiated after I send this newsletter to all.
From the Mothership – Robert Raile”.

I was afraid that after such an update the members of RichAliens would be scared and stop supporting Robert. However, as I saw the outcome on MMG forum (which is the official forum for RichAliens) the members of the program received this update in quite a calm and reasonable manner. Nobody actually could suspect the admin of dishonesty anyway as it’s very hard to move money from AlertPay and it most probably means that the funds were really depleted. Probably there were more AlertPay hit-n-runners than those in other payment processors. Anyway, it seems that Robert found the solution for those AlertPay members that not in profit which is thoroughly described in the latest update. The challenge is accepted and I believe with a level of honesty RichAliens could survive at least a couple of more cycles even without AlertPay. So please note that from now on only three payment processors are accepted by RichAliens. Here is the latest update from the program:
“Hello Earthlings, Ok so I have come up with a solution to our problem with AlertPay. I actually checked all members who did not profit in their deposits with AlertPay yet. I have a list here and I will be crediting those members accounts who are not in profit. For example, you deposited $100 and you got paid $66 already. You will be credited with $34 (LR) to the 12×12 plan. This is to give the site a chance to grow and I will do my part to come up with funds to fill it up, I will do my best here.
This is the decision I made which I thought would give everyone the chance to not lose money. Remember, the depletion of funds on AlertPay is not my fault. And it’s best we do this instead of just kissing the money goodbye. AlertPay will not be available as a deposit option until further notice.
Crediting initiated…
It is time to show them what hand-in-hand earthlings can do. Let us surpass this month together. By the way, did you notice how other programs just died so easily, compare them to RichAliens, and you’ll know that RichAliens started first and yet it is still here, with the same high return plans as the other programs. Isn’t that something already?
I am working my ass off here so please let’s work together.
Oh by the way, crediting of accounts for the AlertPay issue is now completed. I just like doing thing fast. Hehe.
Ending communication sequence… Robert Raile”.

MandarinInvest (reviewed here) also faced some difficulties with AlertPay. But this time their account was restricted by them. I guess it’s already a long tradition in AlertPay to restrict programs’ accounts. I hope this issue will be resolved sooner (knowing AlertPay‘s support I would rather suggest later). Anyway, the admin of MandarinInvest informed the members about this difficulty and we can only be patient to get this matter resolved. Here is the newsletter:
“Unfortunately our AlertPay account is “temporary restricted” for unknown reasons. We have contacted AlertPay support on Saturday, but are yet to receive a reply. So we ask all AlertPay investors to be patient. All payouts will be processed after our account gets unblocked. Payouts to other payment systems are processed on time. We also continue to translate our online platform into other languages and currently there are 3 more languages available: Polish, Romanian and Turkish. This includes ticket support in these languages.
Sincerely, Robbyn Hart”.

As you might know PTVPartner site was unavailable for some time yesterday due to their servers moving back to Dragonara. The site is now back online and of course all the payouts have been processed. There will be a double meeting with the investors of PTVPartner this week and if you want to find more about the program by chatting with the admin and hearing him speak you can go to the chat room on Wednesday or Thursday (whichever day is more suitable for you). I’m sure you will be glad to join the ever growing community of one of the best mid-term HYIPs around at the moment. The four plans on include: 110% after 10 days, 125% after 20 days, 145% after 30 days and 190% after 40 days. For more about PTVPartner you can check my review published here or my detailed interview with the admin of the program Garrett (published here). This is the latest update from him:
“Welcome Home! We are back … finally!!
Dragonara updated our servers and solved some issues we had there and we have successfully returned. We sincerely apologize for any downtime you may have experienced. The website does take time to propagate around the globe. So if you cannot currently access, you will soon.
All payouts have been processed and we should be back on track maintaining our status as … The Ultimate High Yield Asset for your Offshore Portfolio.
Meeting
We have a scheduled a ‘Double Header’ meeting for December 10th at 2PM GMT and again on December 11th at 4AM GMT. We will be discussing our primary project, recent developments as well as future endeavors. Don’t miss your opportunity to attend.
There is much that has happened, much going on and much in store.
We hope you are all having a wonderful Holiday Season.
We are the next Financial Giant in the High Yield Financial Opportunity World. If you haven’t noticed …. then you just aren’t looking!!!
Start the Experience … join PTVPartner and … Free your Life!!!”

Some investors posted on my ShoutBox and e-mailed me reporting that their earnings were not credited in GeniusFunds. Apparently it happened with many investors yesterday but today the administration apologized for that obvious glitch in the system and the accounts were finally credited. GeniusFunds is still one of the best choices for diversifying your low-ROI investment portfolio. You will be paid between 1% to 1.9% every business day or between 6% and 9% weekly depending on how many shares you will buy. You can read more about GeniusFunds in my detailed review published here and after that I’m sure you will want to try out this wonderful program that has been online for over a year already. Here is some excerpts from the live chat posted by one member on the MMG forum explaining the situation with not-credited accounts:
“As a result of a technical issue part of our accounts were not credited with their EMGF dividends as they were supposed to at midnight. The matter is been taken care right now and all due credits will be posted later today.
Sorry for inconvenience caused.
Thank you for choosing GeniusFunds.”

According to the new update from ArbsFund (reviewed here) the program is still growing strong and has already reached over 1,200 members. It’s a particularly good achievement for a program offering a low-ROI weekly income of 8.5% forever and allegedly basing its activity on sports arbitrage. The admin tried to explain better how his program works in the interview published here. And here is the latest news from ArbsFund I just received today:
“Dear ArbsFund Stakeholder, Our trading week has just been started and we aimed to achieved even more from our past performance. Our operating capital have increase by 50%. all our bookmakers account has been funded.
Meanwhile, ArbsFund was opened to the online investors last November 11,2009. We already have 1,200++ members. Our marketing team are doing their best to promote and advertised ArbsFund in strategic manner.
All payments are being processed in timely manner, and everyone will be paid accordingly.
All payment will be processed manually and will be sent out within 24 – 48 Hours after your request.
All Support Emails are being answered within the shortest span of time. We at ArbsFund are committed to provide the best customer service in this industry.
Thank You. Sincerely Yours. Public Relation Manager
For your success : ArbsFund Team”.

TheKapital (reviewed here) announced that due to an official holiday in Panama today the interest will not be credited to members’ accounts. Here is the update I found on TheKapital‘s website:
“Holidays in Panama (Mother’s Day)
We would like to inform you that due to the holidays in Panama (December 8th – Mother’s Day) our trading desk is closed for business. According to our terms of service the profit is paid on business days only. Weekly profits will be paid the next business day. We wish you a pleasant holiday.”

Of course another famous program also based in Panama is PanaMoney (reviewed here) and they also announced that the trading would not be possible today and therefore members’ accounts will not be credited with daily earnings:
“No trading on this day. Mother’s Day in Panama.”
If you want to know my opinion of PanaMoney it would be nothing but perfect. Having been paid for over a year consistently and stably the program proved to some point that they are really a sustainable venture with variable returns. Of course, investing in PanaMoney is also recommended for my readers as a part of well-balanced HYIP portfolio. I think my recent interview with PanaMoney‘s admin Allen will help you to make a more informed decision (you can read it here).

The administration of CruiseFunds finally solved their issue with StrictPay and returned them to the list of accepted payment processors. Here is the update:
“We would like to inform our members that StrictPay technical problem has been fixed, so StrictPay deposits and payment requests are enabled again.
Also we have processed all pending CruiseFunds payments, so if you got paid please don’t forget to support us on forums and vote at monitoring sites.
At the end would like to announce that today our program will be reviewed by most popular money making blog – money-news-online.com. So don’t forget to check it out.
Best regards. Daniel”.

I have added a very promising and a very new low-ROI program to my monitoring today. It’s called Vegamex. Vegamex is offering four different investment plans with payouts processed on business days only: 1.8% for 100 days, 2.2% for 115 days, 2.6% for 130 days and 3% for 150 days. Most of the plans though are out of reach for the majority of HYIP investors therefore only one plan will be of interest to us – 1.8% for 100 business days with the principal returned on expiry. In this plan you can invest from $10 to $2,500 using five major payment processors including LibertyReserve, PerfectMoney, AlertPay, SolidTrustPay and StrictPay. Vegamex is based on a licensed GoldCoders script with an installed SSL-certificate for proper security of the accounts. The program is hosted on a dedicated server provided by GeniusGuard. There is a Comodo seal on their site offering verification of their London address. However, the most interesting thing about Vegamex is the program itself which apparently has been properly registered in the UK and has a registration number on their website available for public inspection which you can be easily verified via the WebCheck site. I would do some further due-diligence though before stating that it’s a real company so treat it as an online HYIP anyway. In my upcoming review of Vegamex I will give you my impartial opinion about that program however from what I already see on their site it could be a next big thing for sure.

The last news from today is not from an investment program but rather from the xChanger that is endorsed by MNO blog (you can read more about the admin of that exchanger in my interview published here). XChanger not only offers you very fast exchanges via LibertyReserve, SolidTrustPay and StrictPay, they also hold some promotions regularly during which you can take advantage of a lower than usual rate of exchange. The latest one will offer you an exchange from SolidTrustPay to StrictPay for only a 2% fee. Please read more about that special promotion in the newsletter that was sent to all the registered members of xChanger today:
“We’re happy to introduce ‘xChanger Friday Special’ promotion.
This means that every Friday from now on we’ll have a special promotion going on, every single Friday. We’re hoping this will become a regular thing at xChanger.
We’ll officially start this promotion next week’s Friday, 18th of December. The ‘xChanger Friday Special’ will last for 24 hours for the entire day of Friday, GMT time.
However we’ll have a promotion starting from the moment you get this e-mail till this Friday at 23:59 (GMT time) to get you warmth up.
With that being said, we have reduced the fees for exchanging STP to SP to 2% only!!
Till Friday, 11th of December, at 23:59 you can exchange STP to SP for only 2%. Let your friends know of this promotion as this is an unheard of offer.
Don’t forget that from now on, on every single Friday we’ll have a special promotion going on. So, be sure to check us out.
Take care, xChanger team.”

That’s it from the industry for now. Just to mention the programs that paid me today: MoneyCare, CruiseFunds, GeniusFunds, KobelCapital, PanaMoney, PTVPartner, TalixMetals, GoldNuggetInvest, FinanceNova, RichAliens, GloTrade, TheKapital, AimTrust, NanoMoneyCorp, InvestmentForge, MandarinInvest, IncoForex, AtlantisMutual, CSMFinance, MoneyPlus, GlobalFund, 4CountriesCapital, StableInterest, ArbsFund, RosalinFinance, OneDailyPro, ZenithInvestment, CedexInvest, AsiaInv, SurfVesper, EcosystemFunds, XagaEnterprise and InstantMoneyBets (the first payment is received). Don’t forget to check out my blog tomorrow for the review of InstantMoneyBets, the interview with the admin of TalixMetals and of course all the latest news from the industry. See you tomorrow!