Hi everyone! This evening for the first new HYIP I’ll be looking at for 2010 I want to talk about a long term low rate of interest program called AtoxFinance. When I look at this one and compare with a couple of other recently launched similar ones it looks like being a bright start to the year for long term programs and their fans. And AtoxFinance looks like it could be one of the better ones. It’s pretty easy to say this one is the best program of the year when in actual fact it’s the only program of the year that I’ve joined so far, but if I see a better one then I’ll be impressed.

AtoxFinance isn’t quite new exactly, it’s been online for a couple of weeks so I’m sure a few of you will have noticed them already. But I guess as long term programs go they’re really only still getting started so it’s an opportunity to get in on something good right from the very beginning. The plans are reminiscent of those offered by PanaMoney in the sense that they offer a variable return based on how successful their own money making activities have been. And I think this point should not be underestimated as it could prove crucial to keeping AtoxFinanve online for a lot longer than many competitors. By refusing to commit themselves to paying a fixed rate of interest the admin is protecting the program from having to meet impossible targets in slow trading weeks. And let’s be honest, we all have bad weeks. If the cash just isn’t there then the profits paid to you will take a dip. You mightn’t like it when it happens but in the long run it’s for the best. Likewise nobody’s going to be complaining during the good weeks when payments go up. But it will help to keep the business afloat for much longer anyway.

As for the investment plans themselves, AtoxFinance operate along the lines of splitting the profits that they have generated from their activities with the investors who financed it. For instance let’s say they were able to take your money, invest it, earn a $10 profit on it, they would then pay you $4 and keep the rest for themselves. Your slice of the profits, whatever they are, will increase as your principal increased. You are not being offered a fixed percentage of your deposit as a payment in the regular sense and the amounts that you do earn can differ from day to day.

As the plans are, shall we say, unconventional, you may be relieved to know that there is a test plan available if you want to see how it all works out in practical terms first. This test plan, or The Trial Investor as they call it, runs for 30 business days. That’s six weeks. You can invest anything from a minimum of $10 to a maximum of $100 here. Your daily payment is then based on how much AtoxFinance have earned from their own trading. But the profit will be split 60/40 in their favor. So you get $0.40 and they get $0.60 of every dollar earned by them re-investing your deposit. During this time however your payment will not be below 0.4% of your total investment amount. And your principal gets returned on expiry.

There is a lot of scope to maneuver there and it would be pretty pointless to offer any examples of what you might potentially earn. The program is too new and too difficult to predict at this stage. You can view previous interest rates paid already to existing investors if you find that helpful but remember that shouldn’t be an indicator of future performances either.

The rest of the plans operate pretty much along the same lines. They all run for 230 business days, which is 46 weeks, and take deposits ranging from $101 right up to $150,000. Now how AtoxFinance decide to split the profits with you depends on the size of your principal. Anything up to $2500 will fall into the so called Basic Investor Plan and result in a split of 55/45 in their favor. Bigger investors will get a bigger share with those investing from $2,500 to $7,500 getting an equal 50-50 split with the program. For information on deposits bigger than $7,500 I suggest you take a look at the AtoxFinance website yourself.

The most important thing to remember though is that at all times you are promised a minimum payment of at least 0.4% every business day no matter what happens. The most you will ever earn in a day is 3% interest. And just like in the test plan your principal will be handed back on expiry. And oh! I almost forgot. There’s a $10 welcome bonus on offer just for joining. It gets added to your account but if your not joining today then don’t forget to check it out first because I can’t say how long the offer will run for.

A couple of other important points to remember include the use of compounding for those who enjoy an extra risk is allowed. And also the list of payment options. Unfortunately the choice isn’t great at the moment with only LibertyReserve, PerfectMoney, and EcuMoney accepted. But where some see a drawback the admin has compensated somewhat for that by introducing instant payouts. So when you do go to the AtoxFinance website and request a payment it will be in your e-currency account literally faster than you can log out of of one website and into another.

Another major feature, though to be honest it’s really only of interest to the bigger players, is the offer of a free debit card for that you can use for in store purchases, online purchases, or just regular ATM cash withdrawals. They say it’s free which is great but it’s only available to investors with $7500 or more in their account. If anybody tries it please get in touch.

Ok, so the plans might be unnecessarily complicated and the payment options might have room for improvement but what is it that makes AtoxFinance so good then? Well first of all the script. Like all the best new programs AtoxFinance are skipping the same old generic options seen time and time again in the industry and have gone for something totally unique and customized. There is also SSL encryption for an added layer of protection. So it’s already pretty safe on that front but it’s also hosted on a dedicated server provided by Staminus. They are the best around and I know this because I have MNO on a dedicated Staminus server myself, though with a different hosting provider. It’s quite a nice design overall in fact. At least in my opinion. Very professional, easy to navigate, and an extensive FAQ section. Any questions not mentioned there can be directed towards the admin via the online support ticket system. There are also a couple of telephone numbers you can try. I usually check them out myself (with little success!) but today being Saturday AtoxFinance aren’t working. Sorry guys, but if these things are important to you then try it yourselves on Monday.

A mailing address is also added in Panama where AtoxFinance is registered. The admin was kind enough to offer me, as an exclusive for readers of money-news-online, a look at his company’s registration documents. You see the main one by clicking here.

To finish I’d have to say that it’s an impressive looking program overall and if managed properly could run and run for quite some time. Everything seems to be in place for them to be pretty much responsible for their own success from this point on. The next big thing? I don’t know about that but I think AtoxFinance are at least going to be a very competitive performer. I have a feeling that at least the early part of this year is going to have some very strong performers in the long-term side of the HYIP industry and AtoxFinance are in as good a position as any to be the top performer from the new programs in this field.

Other news for today.

MandarinInvest (reviewed here) continues its gradual development. After translating the site into dozens of different languages and adding instant withdrawals for the most popular payment processors the program now has its own forum. I just checked it out and it looks really nice. As you can imagine there are only a few posts there yet but I guess it’s only a matter of time before the forum grows and more threads are added. Here is the latest news on that from the admin of MandarinInvest:
“We are glad to announce that MandarinInvest now has its official forum, where you can discuss the program, post feedback and communicate with other members. The forum is located under the link below: http://forum.mandarin-invest.com/
Sincerely, MandarinInvest Team”.

InstantMoneyBets (reviewed here) added two more payment processors today. So from now on you can deposit in any plan (1% for 1 day, 1.9% for 42 days, 2.23% for 120 days, 18.2% weekly for 202 days) using seven (!) payment processors. Fairly speaking though the two new ones are not that popular at all and I know for sure that very few people use them. Anyway, maybe for some of you it will be good news. Also the referral contest that was running will be over shortly and we will soon find out the name of the winner. Here is the latest news from the admin of InstantMoneyBets (interviewed here):
“Today we want to inform you that we have added C-Gold and HD-Money as a new Payment way.
Now we accept: LibertyReserve, PerfectMoney, EcuMoney, GlobalDigitalPay, StrictPay, C-Gold, HD-Money.
Also we want to inform you that only 36 Members left to close our Referral Contest.
Winnings will be credit to your Account within 24 hours after the contest have closed.
That’s all for today.
Best wishes, Michael and Staff”.

Well, I don’t know about the results of the referral contest in InstantMoneyBets but I can say that MNO is already now officially the #1 referrer in FxStar program (reviewed here). And I’m not embarrassed by such results as I am sure that FxStar is definitely the next big thing in this Industry. The plans are quite sustainable in the long-run (1% for 30 days and 1.3-2.3% for 100 days with the payouts made on business days only and the principal returned on expiry), the script is close to perfect and totally customized, the support is very efficient and online to answer questions around the clock, etc. Well, I guess everything was covered in my review except probably the internal exchanger which I neglected to mention. Just as well that I never mentioned it because it’s been scrapped. Really since FxStar only accepts LibertyReserve, PerfectMoney and WebMoney (more e-currencies are coming soon) there was an option to exchange your e-currencies in the members profile. Yes, there was, but not anymore. Unfortunately the exchange system has been eliminated today due to abuse by members that started to use this as a simple exchanger with quite profitable rates. Anyway, it’s no longer allowed in FxStar and anybody who violates this rule will be suspended and his/her principal will be returned minus the interest already paid. Please read the latest update published on FxStar website:
“Dear Partners! We have a new rule. From today we prohibit any exchange transactions through our website. We are an investment company, not the exchanger. Everybody who does this will be removed from the project, and investments will be returned to his/her e-currency account with the deduction of earned interest. Thank you.”

There was an important announcement from the admin of XagaEnterprise Kevin (interviewed here) today. It seems he’s in the process of transferring the domain and while the process is ongoing the site might be temporarily unavailable. So If you can’t access XagaEnterprise at the moment please use the following IP-address to get into the site and login to your account: http://208.64.122.183/ Please note as well that the payments will be delayed during the transition as Kevin will not be able to access his admin panel to process the payouts. I will update you on the situation with XagaEnterprise later on MNO.

RosalinFinance (reviewed here) is surprisingly still among the best short-term programs after running successfully for over two months and offering a huge variety of investment plans starting from 103% in 1 day to 460% in 49 days. As far as I can see the program is still doing well and the admin is keeping the members updated regularly. Of course, we shouldn’t forget that the older programs like RosalinFinance get the riskier it becomes to join them. So please use your head and keep your investment sensible. Remember that RosalinFinance is just a game no matter what the admin told us in the interview for MNO (published here). The latest update from RosalinFinance is below:
“Hello to all, With best wishes for all of you in new year 2010, we wanna inform you that all withdrawals has been processed.
If your withdrawal has been returned into your account, please check your RosalinFinance account and make sure that you have set that ecurrency account in your RosalinFinance account before.
Best Regards. RosalinFinance”.

Caziroca (reviewed here) is another program very similar to RosalinFinance and quite old for a short-term program as well – it’s also been running for about two months. It seems to be still paying however, but today I noticed some warning signs. The admin sent out a list of the usernames that supposedly cheated the system and referred themselves or were registered from the same IP. So the admin asked those investors to send some personal documents for verification to prove their identities. Needless to say that you must not do this if you don’t want your info being used in fraudulent online transactions or just sold on the black market (I heard that somebody sold a verified STP account for $400). Well, it’s simply hilarious when the admin of Caziroca remains anonymous himself while trying to persuade investors to send him personal info which should in no way be disclosed to any short-term game like this. Anyway, it’s up to you to decide and here is the latest email from the admin of Caziroca (I just skipped the usernames as I find it unnecessary to publish them here):
“Hello Caziroca Members. After sending withdrawals, Regarding to our faq we suspended some multiuser accounts.
Seems all these usernames are for 2-3 members.
If your username is in this list you need verification to open your account.
Please send one of these documents: Driver’s License or Citizen document or a document that can explain you are real person.
IP of all these accounts are 2-3 IP.
Kind Regards. Caziroca Ltd”.

There’s quite an interesting follow up story being unraveled now about RichAliens – the program that ran for one month and was then put on hold by the admin Robert. He promised to return in January and find a solution to save his program and possibly to make some kind of refund to the members in loss. Anyway, the admin is back and will probably launch another project soon and here is the link to the forum thread discussion which I found in this surprising e-mail from RichAliens I received today:
“Hello Earthlings, Happy new year to every earthling in the planet! The rich aliens are finally back on earth. Join the aliens in their discussion with earthlings on their plans this 2010. Click the link now and join the discussion
Thank you earthlings and again, Happy New Year!!! Let’s make 2010 a better year.
The RichAliens from the mothership….”

The admin of INSPremiumAds (reviewed here) sent out a lengthy newsletter today which honestly I struggled to read due to an almost total absence of punctuation. I don’t know if you want to study ForEx for free like the admin offered but I think it could be a good idea to broaden your horizons and learn something new that could become a source of income later. At the same time the admin of INSPremiumAds told that many people simply had no idea what ForEx means so he made some good points about that. You can read them in the newsletter as well. The payouts for December will start shortly and I guess we should expect to receive them within the next few days. Here’s the update:
“Dear INS Family, Hope all of you are fine and in good health and enjoying life with friends and family. INSPremiumAds 3rd Months payout will be released shortly working on it there are more then 300 requests and big pay roll will be out this month. Thanks once again for all members and supporters it won’t possible with out all of you support.
I am receiving many emails regarding Forex accounts and details of Forex and I am so surprised to see that there are 90% people in the world who don’t know the mean of Forex and they do think that it is a very risky business and no one can do it easily so now first I want to give you explanation about Forex and investment and then will give you some details about Forex. my main intention is to educate the people because I am fully aware and I know in coming few years it will be hard to beat inflation however you live in Europe or you live in Asia it will be same situation with everyone so my intention is to guide everyone and make them prepare for their future and make them to beat the inflation with their work as everyone knows that no one can earn good money in their Jobs everyone wants to do it own business which is not possible without 100-200k min for a good business but Forex is a industry where you can be millionaire in nights but main thing is awareness and your knowledge and plan. I am managing many accounts but I am guiding all my investors about it and making them perfect to do trading by self and I am hopeful that they will be able to manage their accounts after 6 months and till then I am earning for them some time 50% a month some time less because it totally depends on market. Now I tell you the difference between Investment and Forex investment.
(Note) : If anyone want to learn Forex so can contact me directly I will assist and give classes to all interested members for free…
ForEx vs Investment:
In investment we all do investment for a certain time or cetin % and we have no control on our money and we do earn 20% hardly if we see our portfolio clearly and risk always 110% percent and at the end of year hardly we do earn around 200-300% max not more then that and it’s a target of professionals who are in this industry for long time and all newbie’s never earn anything they think that they are earning but they earn some and lose more but they never calculate their earnings so they haven’t realize that they are earning good or getting back their money only in this online industry and If we do investment on trusted sites or banks so our ROI not more then 5% -8% but still there is no guarantee and we have no control on our money and we don’t know how site Admins and professional sites are treating with our money no one knows that who knows they are investing in real business or not earning or not or running PONZI things we have no idea until they won’t close or scam.
Now let’s talk about Forex.
In Forex the main purpose and attraction is that we have full control on our funds and we can get it back on one click many people thinks that Forex is risky and no one can earn in it easily I do agree it is risky but when you have knowledge so you can’t be fail until you have plans and you are doing everything with plan. And the other thing in Forex is that we can earn more then 50% a month but it depends on market but normally it is easy to get 20-30% easily without having full risk as we took in untrusted sites and lost money that’s why Forex investment is safe and reliable because it’s not for certain time or certain preiod, it’s forever, how long you survive in Forex and your account is active. Forex account minimum investment is from 250$ but it is upto us how much risk we can take but I always say that how big room you have that much profit you can gain because you have limit to take trades you have limit to do work more however In small account you can’t earn more like big accounts but min account should be at least 500-1000$ but I do suggest still 2500-5k min because in 5-10k account we can earn easily 3-4k.
Forex history and theory..
What is FOREX?
The Foreign Exchange market, also referred to as the “FOREX” or “Forex” or “Retail Forex” or “FX” or “Spot FX” or just “Spot” is the largest financial market in the world, with a volume of over $4 trillion a day. If you compare that to the $25 billion a day volume that the New York Stock Exchange trades, you can easily see how enormous the Foreign Exchange really is. It actually equates to more than three times the total amount of the stocks and futures markets combined! Forex rocks!
Why Trade Foreign Currencies?
There are many benefits and advantages to trading Forex. Here are just a few reasons why so many people are choosing this market:
• No commissions.
No clearing fees, no exchange fees, no government fees, no brokerage fees. Brokers are compensated for their services through something called the bid-ask spread.
• No middlemen. Spot currency trading eliminates the middlemen, and allows you to trade directly with the market responsible for the pricing on a particular currency pair.
• No fixed lot size.
In the futures markets, lot or contract sizes are determined by the exchanges. A standard-size contract for silver futures is 5000 ounces. In spot Forex, you determine your own lot size. This allows traders to participate with accounts as small as $250 (although we explain later why a $250 account is a bad idea).
• Low transaction costs.
The retail transaction cost (the bid/ask spread) is typically less than 0.1 percent under normal market conditions. At larger dealers, the spread could be as low as .07 percent. Of course this depends on your leverage and all will be explained later.
• A 24-hour market.
There is no waiting for the opening bell – from Sunday evening to Friday afternoon EST, the Forex market never sleeps. This is awesome for those who want to trade on a part-time basis, because you can choose when you want to trade–morning, noon or night.
• No one can corner the market.
The foreign exchange market is so huge and has so many participants that no single entity (not even a central bank) can control the market price for an extended period of time.
• Leverage.
In Forex trading, a small margin deposit can control a much larger total contract value. Leverage gives the trader the ability to make nice profits, and at the same time keep risk capital to a minimum. For example, Forex brokers offer 200 to 1 leverage, which means that a $50 dollar margin deposit would enable a trader to buy or sell $10,000 worth of currencies. Similarly, with $500 dollars, one could trade with $100,000 dollars and so on. But leverage is a double-edged sword. Without proper risk management, this high degree of leverage can lead to large losses as well as gains.
• High Liquidity.
Because the Forex Market is so enormous, it is also extremely liquid. This means that under normal market conditions, with a click of a mouse you can instantaneously buy and sell at will. You are never “stuck” in a trade. You can even set your online trading platform to automatically close your position at your desired profit level (a limit order), and/or close a trade if a trade is going against you (a stop loss order).
• Free “Demo” Accounts, News, Charts, and Analysis. Most online Forex brokers offer ‘demo’ accounts to practice trading, along with breaking Forex news and charting services. All free! These are very valuable resources for “poor” and SMART traders who would like to hone their trading skills with ‘play’ money before opening a live trading account and risking real money.
• “Mini” and “Micro” Trading:
You would think that getting started as a currency trader would cost a ton of money. The fact is, compared to trading stocks, options or futures, it doesn’t. Online Forex brokers offer “mini” and “micro” trading accounts, some with a minimum account deposit of $300 or less. Now we’re not saying you should open an account with the bare minimum but it does makes Forex much more accessible to the average (poorer) individual who doesn’t have a lot of start-up trading capital.
Please read it and if anyone interested to learn more about it so please contact me I will guide about everything and will make everyone able to do trade and join Forex industry because we can’t relay on anyone life time and we can’t get more and more success until we won’t trust on our self so please let me know if anyone want to know anything.
Thanks. Ub. Admin”.

Another promising program with no expiry plans has been added to my monitoring page today. It’s called WeeklyDividend and despite the name it offers both daily and weekly plans. In the daily plan you will be paid 1.1%-1.5% for every calendar day forever (the minimum to invest is as low as $1) and 9%-11% weekly forever (the minimum to invest in this plan is $5 and the more you invest the more you earn). WeeklyDividend only accepts three payment processors: LibertyReserve, PerfectMoney and StrictPay. The site has a nice design, SSL-certificate installed from Comodo that will add some extra security to browsing your account and is hosted on a dedicated and DDoS-protected server by CyberCobra. But the most interesting thing about WeeklyDividend is its original and totally customized script which is easy to use and navigate. The fact that the script was developed specially for WeeklyDividend shows some serious intentions on the admin’s side. He was quite communicative with me and I hope that he will agree to answer a few questions after the review is published. I believe he will be able to explain in detail how the profit for WeeklyDividend members is being made as supposedly the profits are brought by Forex robots that make the Forex trading easier and safer.

I got paid today by the following programs:
MandarinInvest, RefMotor, Verifield, FxStar, CSMFinance, AsiaInv, WestFinance, SantiVentures, GeniusFunds, ZenithInvestment, OneDailyPro, NanoMoneyCorp, GlobalFund, Vegamex, RosalinFinance, Caziroca, AimTrust, ArbisPro, HugMoney, InstantMoneyBets, TradeZoom, StarkFund, CedexInvest, FinanceNova, AtoxFinance and WeeklyDividend (the first payment received).

That’s it for today! Thanks for reading my updates, guys, and hope to see you on my blog tomorrow!