BEWARE! THIS PROGRAM IS PAYING SELECTIVELY! DON’T INVEST!

Hi guys! Hope you’re all looking forward to this last weekend before Christmas. It might be the last chance many of you get to do some shopping for the family, stressful and all as that is. Anyway, if you still have time then I have all the main news stories from the programs on my monitoring page which I’ll be getting to in just a moment.

First though I want to talk about Caziroca. I know, it sounds like a Brazilian footballer but it isn’t. It’s probably worth a lot more money than that, but just not to you! But seriously, Caziroca is a short term investment program with some good plans on offer. To be quite honest about them I’d have to say that I suspect their best days are behind them by now as they have been running for over 40 days. At the same time it’s hard to deny that that is quite an achievement for a program like this one. So the admin clearly knows what he is doing and knows how to run a good HYIP. Taking that into consideration would lead me to believe that there might still be a reasonable chance to profit from the shorter term plans here. Of course there is still plenty of choices out there for you so you can take or leave any of this as you see fit. But let’s take a closer look.

Caziroca is, as I said, short term HYIP and they offer several plans for you to think about. There are six of them in total with most of them offering you a single payment on expiry. Just the one offers a daily payment.

The first plan from the six runs for just 3 days. It is open to deposits from a minimum of $10 to a maximum of $30,000. Once the 3 days are up then you get back 113% of your investment which of course includes your principal. So for a $100 spend you might get back $113.

The next one runs for 7 days. This time Caziroca will pay you 133% of your total deposit on expiry. Minimum deposit is $100 and the maximum is $30,000.

The next plan runs for 10 days. It will cost you at least $100 to join, just like the previous one, and the maximum is also the same at $30,000. The reward offered for joining this plan will be a payment of 153% made on expiry and including your principal.

There are a few more plans to choose from here but at this point I think it’s fair to say that anything beyond 10 days at this stage of Caziroca‘s lifespan is a bigger gamble than some of you might be prepared to take. Keep in mind that they have run very successfully for over 40 days now and all payments up to this point have been met, so no disrespect to the admin, his program, or his intentions. But at the end of the day it’s your money so you do what you feel most comfortable with.

So to continue with the plans the next one runs for 20 days this time, but age aside I still wouldn’t recommend it anyway. The reason is this: it runs for 20 days but only pays 183% on expiry. So what’s wrong with that? Well, you can join the previous plan for 10 days and get 153%, so why not just join that one twice? You’d make a lot more money at a far reduced risk. The investment amounts remain the same with the minimum at $100 and the maximum set to $30,000.

For the last of the “payment on expiry” plans you will have to spend at least $180. The maximum is still $30,000. This plan runs for 29 days and will pay a massive 313% on expiry. Anyone who joined Caziroca under this plan in the early days must surely be feeling very pleased with themselves now. But do you think Caziroca can make it happen again? Good luck to you if you want to take the chance but I’d say the admin will at least give it a try.

The last plan is a little different from the others. It offers daily payments and it looks like one of the “surf-style” plans that are often so popular with HYIPs. Deposits start from $10 and go all the way up to $30,000. You will be paid 12% interest per day for 12 days, adding up to 144% on expiry. So you’ve at least always got the added safety net of knowing that at least you will always get some part of your principal back no matter what else goes wrong.

The list of payment processors is pretty average. Nothing special for an online HYIP but quite acceptable with LibertyReserve, PerfectMoney, and StrictPay all taken. AlertPay was available up until recently. Unfortunately Caziroca had to remove this option after AlertPay blocked their account. Payments will need to be requested and you are asked to allow 24 hours for them to be processed.

The design and security are safe enough here. Caziroca is running off a licensed GoldCoders script and are hosted on a dedicated server with protection from DDoS attacks provided by DdoSLock. Not the most famous name in the field but regular players might recognize them from hosting RosalinFinance. That’s a similar short term program notable for it’s own longevity and stability, with few if any serious instances of prolonged downtime. So it’s probably fair enough to assume they are a secure enough provider. SSL encryption is not a feature of this program however.

Communications and customer support are available through a choice of e-mail addresses (which may very well all go to the same person for all I know!) or else through a support ticket submission form. A postal “address” of sorts is offered but it merely says California. You could write my name on an envelope and mail it to “Paul Abramson, London” and it would have a better chance of finding me than this one. They also provide a telephone number which got no response when I tried. To be fair it may have been just outside of business hours, but you can always try it for yourself if you like.

Caziroca claim to be involved in the ForEx markets but with returns like that I tend to doubt it. And when the home page announces that “it’s not too late to save your personal finances” I suspect the admin was talking to himself! Take this one as a pure online based HYIP game. It was a good one, and to a certain degree still is. But have modest expectations from this one and do take the age into consideration when depositing. There are still some chances left to profit though, if you’re quick enough.

Other news for today.

Let’s start today’s update with news from Verifield (reviewed here). Having been paid promptly since March 2009 this HYIP slowly but steadily built a reputation as an excellent performer (the payouts to both LibertyReserve and PerfectMoney are processed instantly) with professional customer support (there are a list of representatives sorted by country now available) and a perfect well customized script where new features are frequently added. The latest news from them is the addition of Global Presence section and providing all the details for anyone wishing to participate in the Verifield sponsored poker tournament. Please read all the details about that below:
“Dear Verifield Customers, In just two weeks before the next successful year and just a week before Christmas, Verifield would like to thank you for doing business with the leading online based investment products.
Verifield Global Presence
Verifield continue gaining the presence in the global investment communities. We are glad to announce the launch of the Global Presence section, where you will be able to locate Investor Managers in your area, receive important information and updates from the local Investment Managers along with live customer service in your native language.
Global Presence section is a serious step towards improving the quality of Verifield services and making our company services to be more personal based and easier for anyone interested in doing serious investment business with us.
Feel free to browse Verifield Investment Managers and don’t forget to leave your feedback, your opinion is the primary point of rating and qualifying our representing parties:
https://www.verifield.com/im.html
Play some cards and win a cash prize – Verifield offer some fun to our respectful investors.
Verifield sponsoring the Full Tilt PokerR Tournament a few days before Christmas.
On December 23rd 2009 Verifield in association with our partners at Full Tilt Poker will hold an event, designed especially for Verifield investors, available exclusively for Verifield family only. The tournament will be held between Verifield account holders and top 10 players will be getting the serious cash prizes and will be announced at the end of the tournament at the Verifield website.
All Verifield customers are welcome to participate for no entry fee**.
Play cards for fun with other Verifield investors! It’s really easy and really fun!
This event will be held at FultTiltPoker.com.
In order to play, you need to register an account at http://www.fulltiltpoker.com
Once you’re done with registering for a poker account, just enter your Verifield account number and Fult Tilt Poker login in order to sign up for this Verifield sponsored tournament event in the form located at https://www.verifield.com/poker.html
* All trademarks are the property of their respective owners and are in no way connected with Verifield.
** You need an active Verifield account with current or available balance of $100 USD or EURO. In case if you don’t have the required amount, the entry fee is $30 USD. In order to be eligible to participate in the event, the candidate needs to be over 18 years old and a current Verifield account holder.
On behalf of Verifield, I would like to thank you for doing business with us and looking for ongoing cooperation and long term successful investment activities.
Sincerely, Markus Becker. Verifield Account Officer”.

SazaInvestments (reviewed here) has processed all the pending cashouts today and it still firmly occupies the #2 spot on my monitoring page. The program has gained a great reputation for paying 8%-10% weekly with no expiry since May 2009. They faced some issues with their hosting and there were some missing payouts. But one thing is for sure about SazaInvestments: you will get paid every Friday regardless of what happens. So this Friday was no exception and everybody got paid as usual. Here is the email I received from the admin of SazaInvestments Ricardo (interviewed here) after all the payments are processed:
“All payments has been done again. Next payday will be next Friday. Thank you all for your trust in us. Regards, SazaInvestments Team”.

As you might be aware there are some delays with StrictPay cashouts in GoldNuggetInvest (reviewed here) at the moment. I guess it has probably something to do with StrictPay themselves changing bank accounts this week which could be the reason why not only withdrawals to banks but also funding from banks is also delayed. I myself has been waiting since Monday for my Bank wire withdrawal request to be processed by StrictPay. Anyway, if that’s the issue I think GoldNuggetInvest should let the members know about the possible issues with StrictPay cashouts and give an approximate timeframe of when they will be completed. I guess we will have to wait for another update from Robert soon.

Meanwhile today I found out that apparently the ACH Withdrawal feature was disabled for StrictPay members for the time being. I don’t know all the details about that, nor do I have any information on when it will be available again. Here is the notice about that taken from StrictPay website:
“ACH withdraws are currently unavailable. We are working to have this feature back online but do not have a time frame for when it will be available. Please do not submit a support ticket as this is the exact message you will receive in response. Our support staff does not have any more information than this and will not be able to provide you with a time frame either. We strongly recommend the use of Check by Mail or Debit Card for your current withdraw”.

Although if you didn’t get scared off by that news and still prefer StrictPay as your payment processor of choice you might want to take advantage on the current promo which is being held by xChanger for the next 24 hours only. During that time everybody will be able to exchange their LibertyReserve for StrictPay with no fee at all. So take this opportunity while it lasts! Here is the update from xChanger, the only exchanger officially endorsed by MNO (read my interview with the admin here):
“xChanger Friday Special again.
Exchange LibertyReserve to StrictPay for 0% fee! The promotion will last for Friday and Saturday (GMT time).
Take care everyone, xChanger team”.

CSMFinance (reviewed here) up until now have just been providing us with some very occasional trading results. All that has just changed and now a new menu section on their website called “Performance” has been added. By going there you will be able to see some trading charts and results which are offered as evidence of how CSMFinance is able to pay to its members such huge returns of 1.7%-2.1% for 100 days with the principal returned on expiry. Here is the update taken from their website:
“Today we have added new menu section called Performance. Performance section provides you with the latest trade reports which contain CSMFinance brokerage account statement copies and stock charts.”

There were several phishing e-mails circulating over the Internet recently and it seems the latest target was the above reviewed Caziroca. So the admin published an important update in which he suggested only to invest via their website and not through any direct LR accounts sent in an e-mail. Here is the original newsletter from Caziroca:
“Hi Caziroca members, Phishing Alert!
Caziroca has not any super plan or this kind of names. Some members reported that they have got emails about super plan of Caziroca 113% after 1 day.
This email is a phishing email. please be aware and don’t send any information to these kind of mails, and don’t send your money to this phishing accounts.
You Only must deposit after login to your Caziroca account from deposit page.
One of this phishing accounts is: U6085878
Please don’t send your fund to it.
This LR: U6085878 is not our account.
You can see our investing plans on our main page.”

The admin of GloTrade Jarrous (interviewed here) reminds us today that investors have only two days to deposit into the GT plan that pays 2% for 20 trading days and afterwards only one plan will be left – 2.5% for 40 trading days. Also remember that some bonuses will be credited to members accounts on Saturday and Sunday due to some trading success by the admin (the latest results were published on GloTrade’s official blog). Her is the latest newsletter for all the members of GloTrade (reviewed here):
“Dear members, Hope everyone is doing great. GloTrade is more than a month old now. We are proud to announce that we faced 0% downtime during this period.
We just wanted to reconfirm everyone that the GT20 Plan is coming to an end (not today but on Sunday). So the GT20 will no longer be available from Monday, December 21, 2009. As we mentioned in our earlier newsletter, GT20 was just a promotional plan and GT40 is the one which guarantees the stability and sustainability of our program. So we will stick on with GT40 in future.
Special bonus weekend profit, which we announced yesterday will be available for all current investors and those who invest till Sunday. Remember, 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.
GloTrade blog is updated with the latest trading results. Visit our blog on a regular basis for all updates.
Check out http://glotrade.biz/refcontest.php page to keep updated with the ongoing Referral Contest and future promotions.
Regards, Jarrous. GloTrade.”

The admin of 220Group (yet to be reviewed by MNO) gave me a good laugh today by stating that their program had 1100 members after being just 10 days online. Well, it seems very silent in the threads about 220Group on the forums and the pre-Christmas period which is never favorable to short-term programs left absolutely no doubt that a program like this could possibly have 1100 members. Gosh, I’m so tired of these fake stats that I almost give up even looking at them anymore, lol. Anyway, if you are brave enough before Christmas and would like to make some Christmas present for the admin you’re welcome to make any deposit of $500 or more to 150% after 12 days or 220% after 21 days plans. Then in return he will give you some bonus that will be added to your investment plan. For smaller investors wishing to risk $10 or more there is only one investment plan available – 119.7% after 7 days. Here is the Christmas newsletter for the members of 220Group:
“My name is Grete Vyt am the Administrator of 220Group. As you all Know 220Group was Launched 10days ago with over 1100 members and growing and We are looking for aggressive and forward thinking members, with a motivation for participating in referral contest programs that can drive 220Group to a new dizzy height of achieving a 3,000 new active members within one month. A Contest will be set in place from Next Week.
220Group wishes ALL its members Merry Christmas and a Happy New year in advance, as we prepare to celebrate 2009 Festive Period, 220Group wishes to unfold its special offer but first will want to assure you that we are here to stay for you not because we are the best investment company to be with, but because our members, who are the very best, chose us and have been steady with us. According to Warren Buffet “Be fearful when others are greedy and be greedy when others are fearful, this is our advise to our esteemed members at this period since it is necessary to do extraordinary things to get extraordinary results. In this light, we will advise that our members should invest for the long term, which always turns out favorable in any business.
Here at 220Group, we do not view ourselves as the ultimate owners of our business but instead view the company as a conduit through which our members, investors and clients own assets, therefore to encourage everyone on board into investing long term, we have designed an “encouragement platform” that the more increment in investment you initiate, the more recognition you will get.
We are urging members to upgrade to Diamond and Platinum plans and get a special discount allowance credited into your system account swiftly, for example, if you deposit $500.00 under the Diamond Plan, you will immediately be credited with $50 as bonus investment fund, therefore you have deposited $550.00 and you investment will run as such. If you deposit $1,000.00 you will get a bonus investment fund of $100.00. All deposits under these two plans get an automatic 10% bonus for immediate investment. Take an advantage of this and lets watch ALL of us grow.
This is our special gift to ALL our member at this special season. We look forward to your response.
Merry Christmas in Advance! Grete Vyt”.

I have added two new programs to my monitoring today. The first is DreamFunds which is kinda old now running since the beginning of November. There are certain advantages and disadvantages of joining such programs but it’s not a topic to discuss in the introduction. DreamFunds layout looks very good, it accepts three payment processors (LibertyReserve, PerfectMoney and StrictPay), is running off a licensed script from MonetarySoft (you should be familiar with that if you’re a member of SazaInvetsments) and is hosted by DdoSWiz on a dedicated and DDoS-protected Staminus server. As far as I know AlertPay was also accepted until recently when they obviously couldn’t supply proof of their identity. AlertPay which is known for its strict criteria towards such programs. DreamFunds interestingly claims to be an officially registered UK company and everything would look ok, except the name Dumin Co. LTD. So what was the purpose of registering a program under a different name? I can only ponder. Anyway, I don’t believe in such claims and other investment stuff especially considering that part of the texts are borrowed from other websites. So just treat DreamFunds as a regular HYIP offering three investment plans: 3.6% for 40 business days (for the investment rage from $5 to $1,000), 5.2% for 40 business days (over $1K) and 7.4% for 40 business days (over $5K). I guess the principal is already factored into those daily payouts because I couldn’t find anything about the principal getting returned on the DreamFunds website. The review of the program will be published on my blog straight after I receive my first payout (so probably sometime early next week).

The second program I have added is StarkFund. You might have noticed already this program on my monitoring page for a few days but finally I can publish the review as the admin upgraded his listing. The banners and other promotional materials were not ready by the time of addition and not all payment processors were accepted so I guess it took him some time to make this decision. Starting with the plans StarkFund offers a huge variety of daily investment plans: 0.5% for 20 trading days (minimum $20), 1% for 90 trading days (minimum $50), 1.2% for 120 trading days (minimum $100), 1.4%-1.8% for 150 trading days (the rate depends on the amount deposited starting from $500) and 2.4%-2.6% for 180 trading days (for the large investors with over $10K deposits only). All plans will be return your principal on expiry. There are also weekly (7%-9% weekly for 150 trading days) and monthly (18% monthly for an unlimited period of time with the possibility to withdraw the principal after the first 60 trading days) plans available. More about all that can read in my detailed review which will be published very soon. StarkFund accepts four payment processors including LibertyReserve, PerfectMoney, AlertPay and StrictPay. The Bank wire option is also available for deposits over $500 but strangely the bank is located in Cyprus. I say it’s strange because apparently StarkFund was presented as a legally registered UK company called Gravus Global Corporation with headquarters in Edinburgh. By the way, I’m planning to visit Edinburgh soon enough and I will have no problem in verifying this address. Anyway, StarkFund looks extremely promising: very well designed layout, SSL-secured channel, Comodo certificate with Identity assurance, hosting on a dedicated server by Dragonara and online support. Unfortunately StarkFund uses an updated version of Neversay script which doesn’t work with the Opera web browser and has overcomplicated (in my opinion) deposit and withdrawal options. Anyway, I will talk about that in more details in my upcoming review.

The programs that paid me for the last 24 hours are:
SazaInvetsments, ArbsFund, ZenithInvestment, HugMoney, OneDailyPro, TradeZoom, GeniusFunds, GoldNuggetInvest, StarkFund, AtlantisMutual, GloTrade, TheKapital, Verifield, PanaMoney, RefMotor, InstantMoneyBets, MandarinInvest, IncoForex, AimTrust, CedexInvest, Flanita, CSMFinance, WestFinance, FinanceNova, XrateInvest, Caziroca, RosalinFinance, Vegamex, Investorum, MoneyPlus, GlobalFund, RichAliens, NanoMoneyCorp, PTVPartner, KobelCapital and FaithInvestment (the first payment receieved).

That’s it for today, guys! Check out my blog tomorrow for the review of FaithInvestment and more news from the Industry! And have a good weekend!