BEWARE! THIS PROGRAM IS PAYING SELECTIVELY! PLEASE DO NOT INVEST!

Hi guys! In keeping with the theme of yesterdays review, I want to take a closer look at another long term investment program today. I suppose we all know by now that these are generally safer ventures around this time of year, and I think that this particular one has a good chance of running well into the new year. It’s called SantiVentures and it’s one of several new HYIPs added just recently to my monitoring page.

And it is quite a long term too, with all your options running for 150 business days in duration. Not all of them return your principal on expiry either by the way so make sure to keep that in mind if you do decide to join. Another thing is that the plans aren’t really that well explained in the public area of the SantiVentures website. You’re going to have to create an account first and then see a better explanation in your members area so pay close attention to the descriptions below if you would prefer to be informed before signing up. Though most of the plans might be a bit on the expensive side for the majority of regular HYIP players.

The first of four investment plans offered by SantiVentures, called The Lite Plan, is open to deposits between a minimum of $15 and a maximum of $800. The rate of interest offered is 1.3% per business day, Monday to Friday, for 150 business days. What that means is that for a deposit of $100 you can expect a daily payment of $1.30 made five times per week. That will be $6.50 per week, adding up to $195 by the time the plan expires. Your principal will then be returned, but please note that this is the only plan which does this. All others will factor your principal into the daily payments and will not pay it back at the end.

Next on the list is The Standard Plan. This is open to deposits from between a minimum of $800 and a maximum of $2,500. The rate of interest payable goes up to 1.6% per day, paid Monday to Friday, for 150 business days. You can expect to earn an amount equivalent to your principal after 63 business days and be in profit from that point onwards. Your principal itself however does not get returned on expiry.

The Professional Plan is open to deposits that start at a minimum of $2,500 so it starts to get pretty serious now. The rate of interest here is 2.3% per business day for 150 business days. That should see you recoup your principal after 44 days and be in profit after that. Again, your principal itself will not be returned. The maximum investment is $10,000.

There is one other plan available from SantiVentures. It’s called The Premium Plan and it offers a daily rate of 2.6% interest. However as it is only available to those spending upwards of $10,000 I suggest you talk it over in person with a professional in this area before even thinking about it. And I think we both know what a professional would tell you to do.

The list of payment options is quite good with AlertPay, LibertyReserve, PerfectMoney, and StrictPay all being used. Payments will need to be requested and you are asked to allow them 24 hours to be processed. Also, the option of compounding is allowed. The percentage, if you choose to do so, is entirely down to your own discretion.

SantiVentures is hosted on a dedicated server with protection from DDoS attacks provided by DdoSWiz. They are also running off a script that has been licensed from GoldCoders. SSL encryption is not in place. As for communication and customer support, that can be done through the online support ticket form or else through the Live Support feature when the admin is online. They also provide us with a fax number, but not a phone number. Their postal address is listed as being in Panama, though of course I have no way of verifying this.

I also have no way of verifying their claims of being a venture capital management company. There are no documents or licenses on display to suggest that there is any kind of legal sanction here whatsoever. Best just to take it as a typical online HYIP and accept the risks and gambles that go with it. But at a time when there is such an abundance of scams SantiVentures is probably one of the better sites launched this December. Worth a few dollars if you like a gamble I’d say, with my own personal choice being the first option – The Lite Plan, which returns your principal.

Other news for today.

Let’s start the news update with an important newsletter from GoldNuggetInvest (reviewed here). Starting from the beginning of this week GNI faced many issues including an extensive DDoS-attack due to which the site was up and down for some time with the secured connection still not available for many members. Due to some issues with the script the majority of the new deposits were not credited to members’ accounts properly and now it will take at least a few days to credit every single deposit manually. But I trust the support staff will do their job properly and everybody will see their deposits in their GNI accounts sooner or later. Also some people told me that they were waiting for their StrictPay withdrawals for over 48 hours already while I know for sure that LibertyReserve withdrawals are still being processed fast. Well, I found the info on forums that due to some script issues the administration of GNI has to make withdrawals to StrictPay manually for some reason and that was the main cause of the delay. So I hope that everybody will be paid and get credited manually pretty soon.
To emphasize the issues and to explain them properly to everybody the program’s admin, Robert (interviewed here) sent out a mass email today which was kinda long and divided into four main sections: delayed posting of deposits (everything should be back to normal pretty soon), support functions (the delegation of all the various tasks among the members of the GNI support team), reporting an issue (a comprehensive guide on how to use support in the event of some emergency) and email notification of interest payments (the new feature that will allow investors to receive notification once their GNI account was credited with earnings). The newsletter is very long but please take your time to get yourself familiar with the information contained there so as to avoid any future troubles and delays further down the line:
“Seasons Greetings to all Friends of GNI:
It’s hard to believe we are nine days away from Christmas, ten days from Boxing Day; with the New Year just around the corner. While it’s nice to reflect on all of our accomplishments (and challenges), there will be plenty of time for this before we close the books on 2009.
The purpose of this Newsletter Update is business; all non-sense to be put aside for the moment.
1. Delayed Posting of Deposits. As evidenced by the voluminous amounts of Email and Support Requests received, most customers realize roughly 85% of all Payment Processor (PP) to E-Wallet deposits, have not posted. Between the 14th of December until earlier yesterday (December 16th), there have been some intermittent technical issues impacting the downstream users, warranting our recommendation that users loose the extra layer of encryption (https) down to (http) for a few hours at any one time. In so doing, we lost our API feature which would post your deposits to your wallets etc. Therefore, all of these deposits must be posted manually, the process of which is currently underway.
We truly apologize for the inconvenience and couple days of lost revenue…we’re working on these as a priority.
2. Support Functions. Many of you, rightly so, are not sure who is responsible for what tasks associated with Customer Support. It is our desire to have all support cross-trained such that staff can take a day off from time to time without any significant reduction in service to the customer base. While this may be true in a perfect world, the realities are such that we need to have a manageable direction so ensure a smooth flow of communication and information exchange.
In addition, we are making some adjustments in staffing responsibilities to better serve the project as well as the needs of all persons, principals and clients alike. Therefore, effective immediately, Lim and Rumiko will be on the front lines handling Support Requests. Debbie will be handling all Email and PP Change Requests. In addition, (and at the time of this writing, she does not know this yet), she will be responsible for missing payments, account adjustments and other associated matters affecting your account. Given the complexities associated with this additional responsibilities, please refrain from contacting her in this regard as this is a transitory process and her responsibilities at the “Change” desk are critical and cannot be mitigated. Todd will oversee the team and, in Robert’s absence, answer on his behalf those issues he can, is able and most importantly, is authorized to.
3. Reporting an Issue. There is a right way and wrong way to report a problem. The way to report an issue, whether it’s account specific, or Program specific, needs to be thought through carefully BEFORE the problem is reported. Some things to consider are:
a. The severity of the problem (a missing or late interest payment not withstanding)
b. Should this problem be misunderstood, or if it is correctly understood, does the reporting have the potential to cause panic, necessarily or unnecessarily (and this is not a request to stymie the flow of information…
c. Does the reporting of the situation have the potential to violate our Privacy Rules or the Terms & Conditions you agreed to abide by when signing up for GNI?
These are by no means the exhaustive list you need to consider. BEFORE contacting support, it is always a good idea to got to our forum http://www.gniforum.com (be sure you have already signed up) to see if there is anything about your issue that is consistent with current subjects of discussion.
Always use common sense and discretion keeping in mind, anything said on the internet becomes a permanent entry. If there is nothing on the forum that relates to your issue, proceed to your back office and complete a Support Request.
If you are unable to login, go to your email where you have the option of contacting either Rumiko at GoldnuggetinvestCS2@gmail.com or Lim at GoldnuggetinvestCS4@gmail.com.
Support’s focus will be on the Support Desk, NOT the emails. Please keep this in mind.
If you are not getting satisfaction and have made multiple attempts to reach the Support Desk via Ticket and Email, or if this is an emergency situation, you may contact Todd at GoldnuggetinvestCS@gmail.com.
PLEASE DO NOT contact Robert unless you have made prior arrangements with him to do so.
If this procedure is not adhered to, it disrupts our workflow… Truly, your cooperation is greatly appreciated.
4. Email Notifications of Interest Payments. Within 24 hours of the publishing of this Update, the script will begin generating, then forwarding, an email each time GNI generates an Interest Payment. What this means is the following: If you have 50 Rollover Plans in effect at three dollars a piece, you will be receiving 50 emails each day when the script makes the payment to you. If you are overwhelmed, it is strongly suggested you begin to consolidate those plans into a Weekly Fixed or a Rollover Deposit of higher value.
This is being done on a trial basis, the determinant being the impact on the server and its capacity to produce the voluminous amounts of emails. The benefits of this should be obvious, (enhanced security, payment verification, tracking purposes and so forth). We hope you will appreciate this tool in managing your GNI account.
As we get closer to the end of December, we can’t emphasize enough the importance of charitable giving. We have an opportunity to make a difference, lets take advantage of this.
Wishing you all the very best, Robert and your GNI Support Team”.

SazaInvestments (reviewed here) opened the withdrawal button again and you’re welcome to request your 8%-10% weekly payouts once more. The program has been nothing but perfect so far paying stably from May 2009 and is especially popular among MNO readers, causing me to move the program to the #2 spot on my monitoring page immediately below GNI. Well, you might be aware that for the last few weeks there were some issues with SazaInvestments which resulted in some deposits not being credited to members accounts. I just want to remind you that the support of SazaInvestments are not online every day so if your deposit is not added yet and you submitted a support ticket please wait at least until the next round of payments is done on Friday. I’m sure that by that time you will be replied and your account in SazaInvestments will be credited. Anyway, the withdrawal button is on again so don’t forget to request your Friday cashout:
“It’s almost Friday so it’s payday again. Please don’t forget to request your withdrawals correct so that won’t be canceled. Thank you all for your trust in us. Regards, SazaInvestments Team”.

GloTrade (reviewed here) is still doing fine paying successfully for both of the plans: 2% for 20 business days and 2.5% for 40 business days with the principal returned on expiry. Actually, the program is doing so good that the admin promised another weekly bonus for every investor that will be even higher than the one that was paid during the previous week. According to the admin’s words it was done due to great success in their ForEx trading activities. So we should expect the big bonuses this weekend of 2.5%-3.5% on both Saturday and Sunday (depending on the plan you deposited in). I hope it will be a good early Christmas surprise for all the investors of GloTrade. Here is the latest news updates from the program’s admin Jarrous (interviewed here):
“Dear members, We believe that everyone must be in the midst of preparing for the festivities and we hope all is fine with you.
GloTrade, with over 400 members, is gaining popularity with its services and we look forward to much more progress in the following year.
We hope you remember the last weekend, when we gave away an additional bonus to all our members. We believe that all of you would have enjoyed this benefit.
That was just the tip of the iceberg!
This weekend is going to get even better. Our trading activities are sailing really smoothly and we are getting really good returns from it. So, it won’t seem fair unless we share this season of happiness with you all.
This week, you can expect to get another bonus from us for the weekend too. All those who invested/invest in the GT20 plan will take home a 2.5% profit for both Saturday and Sunday. GT40 investors will get a 3.5% special bonus profit for both Saturday and Sunday.
This will be sent to the members’ accounts by 23.00 hrs server time on Sunday (December 20 2009). This profit can be withdrawn immediately. All active investments are eligible for this weekend bonus profit. For monitors and members whose investments have matured are not eligible for this bonus profit.
The Mega-Referral contest that we mentioned earlier is going on and we invite everyone to take part and win exciting prizes.
Contact us if you need more information.
Regards, Jarrous. GloTrade Admin”.

You might be aware that RosalinFinance is still paying perfectly, possibly making it the best short-term program for the month of December. The payments are still being made to e-currency accounts with 24-48 hours (usually much faster). The latest newsletter was devoted not to their successes though but to keep the members informed about a scammer that sent out some emails trying to get money into a special promo plan. Remember that you must only deposit into any plan offered by RosalinFinance (read more about those plans in my review here) on their website through your member’s area. So just please ignore the emails that try to scam you like the admin warned us about today:
“Hello dear members, we was notified that some cheaters are sending mail with subject “RosalinFinance super plan 120% after 1 day”.
I wanna say that we have not this plan and this is another way from cheaters to scam you.
All of our plans are on our home page and our only LR deposit is U4073361 (RosalinFinance)
Please be aware of this kind of emails and keep your money safe.
Best Regards. Andy Carney (RosalinFinance support)”.

I have already mentioned that all the withdrawals processed via LibertyReserve in CSMFinance (reviewed here) were changed from instant to manual for some reason. Well, here is the good news: it appears the withdrawals in CSMFinance are instant again. Here is what the admin of the program has to say about that issue:
“Dear members! LibertyReserve seems to be completely recovered after 4 days problems with API. All LibertyReserve withdrawals are processed instantly as usual. Happy investing with CSMFinance!”

RefMotor (reviewed here) sent some promotional email again today encouraging the members to further promote the program to get some bonuses and referral commissions. Here is the newsletter from them:
“Do you know we are paying over $100 each day as bonus to our investors?
Do you know we are paying over $200 each day as referral to our investors?
Do you know all of our payments are instantly?
Do you know we have over 900 active investors?
Do you know we have over $100.000 for supporting your investment?
But you don’t know from to day for a limited time we charge all accounts with bonuses for free. Check your accounts now and (withdraw )your bonus money.
Do you know any hyip like us?
Say about us to your friends and earn more money as referral.”

Unfortunately CzechAds had to close its doors even before the first cycle was completed. I remind you that the program was announced on my blog but never reviewed due to the fact that it was not very popular and nobody from my downline ever deposited. I think its failure was totally connected with the admin’s inactivity. For the 17 days the program was running there was not one single update published and sometimes I wondered if the program was still alive. Of course, many investors considered this as a bad sign (especially considering that we are in December) and held off from depositing. The admin though showed some dignity and refunded to all the investors which I think there were not so many. The question remains though: what was the purpose of starting a program, make everybody go to the bother of surfing and then close it just before the first payouts are processed when the things could actually set off? That remains a mystery to me but probably the admin wants to create a good reputation for his new program which he definitely intends to launch soon. But would the members support him? Yes, on one hand he refunded to everybody and showed at least some honesty, but on the other hand the program that never completes a single cycle always remains a complete and utter failure for the members. Anyway, these are just my thoughts and here is the email I have just received from Milos, the admin of the now closed CzechAds:
“I am Milos Valenta, first of all I need to thank you everybody that believed in CzechAds and upgraded your account. I had an idea for something big that could be profitable for many people, but it did not happen. I could not run and let you down. Today I processed the refund of all deposits made by investors in the program, please check if you received your refund.
I conclude CzechAds is not aligned to the wishes of investors today. The plan that pays 7.5% for 18 days does not seem very good for current standards, adding to this I was not very active. Sorry for that. So I announce CzechAds will be reformulated and will be back after Holidays, with a better plan. I’m sure you will like it and I will give my this turn.
Merry Christmas everyone. I hope all the best for you and your family. Enjoy this magical time!
Thank you. CzechAds Admin”.

I have joined another program today which I consider very promising. It’s called FaithInvestment and it somehow reminded me of MoneyCare – quite a successful program that ran for three months and made their first investors a nice profit. Well, the similarities are not so much: just direct payouts to LibertyReserve and PerfectMoney accounts, Staminus DdoS-protected server from DdoSWiz and a very similar description of the investment plans. Other things are different however, so I’m not sure if it’s from the same team. FaithInvestment has quite a simplistic design and though the interest payments are direct (there is no need to make a withdrawal request) there is a member’s area available and in order to make your deposit you first need to sign-up and create a new account where you will be able to see your deposit history, the payment you’re about to receive to your LR or PM accounts and your login details with the possibility to change your payment processor account. Depending on the amount of your deposit (the minimum allowed is $10) you will have an opportunity to get paid from 2.1% to 4.2% on every business day during a period of 60 days. Your principal will be returned on expiry (after 60 business days). In my opinion FaithInvestment is quite an interesting program and it will be reviewed in detail on MNO after the first payments are processed.

The programs that paid to me within the last 24 hours include:
TalixMetals, ArbsFund, SurfVesper, FinanceNova, MandarinInvest, HugMoney, GloTrade, Investorum, Verifield, PanaMoney, GlobalFund, RefMotor, InstantMoneyBets, NanoMoneyCorp, Flanita, InvetsmentForge, IncoForex, XagaEnterprise, CSMFinance, AtlantisMutual, AsiaInv, AimTrust, WestFinance, GoldNuggetInvest, GeniusFunds, TradeZoom, Vegamex, OneDailyPro, MoneyPlus, TheKapital, RosalinFinance, CedexInvest, 4CountriesCapital, StableInterest, SantiVentures, KobelCapital, PTVPartner and Caziroca (the first payment received). That’s it for today and I will see you on my blog tomorrow with the latest news from the Industry and a review of another short-term program Caziroca.