Hi everybody! I suppose anybody that is still on vacation will probably finish today and return to work tomorrow so I hope you’ve enjoyed the last weekend of the holiday season. Looking forward now to Monday morning no doubt! Anyway, Sunday as usual has been quiet enough as regards the news but I do have a couple of updates for you further down. First however I want to take a look at the program I told you about yesterday – WeeklyDividend. Except that this time it’s a bit less complicated than the one reviewed yesterday.

WeeklyDividend is the latest program to offer the increasingly popular “no expiry” style plans made so popular first by GoldNuggetInvest, later by SazaInvestment, and more recently by the likes of ArbsFund. Like those programs WeeklyDividend does pay you a fixed weekly payment for the duration of your membership there, but don’t be mislead by the name. They offer plans that pay you by the day as well.

All together you have six options to choose from here. Three daily plans and three weekly ones. There are no expiry dates in any of the plans so once you join you just collect your payment for however long the program runs for. Also note that your principal will not be returned at any time so you’re going to have to wait until you recoup that through your interest payments before you can say your in profit.

So I guess we’ll start with the daily payment plans. The first one is called The Daily Starter and you may join for a minimum investment of $5. In return you can expect a daily payment of 1.1% for the program’s duration. That will be $1.10 per day for every hundred spent and will have you break even and see your first profit after 91 days. So patience should be one of your strong points if joining this one. The maximum you can invest here is $50,000 but I can see absolutely no point whatsoever in doing that. Why not? Well, let’s look at the next plan.

The next plan is called The Daily Novice and it pays a daily interest rebate on amounts starting from $1000. The maximum investment is $50,000 and the daily interest payment to you is 1.3%. So do you see my point? Why would you want to join the first plan with let’s say $2000 at 1.1% per day when you may receive the much more attractive rate of 1.3% per day on the very same amount? Anyway, this time you will get $1.30 per day on every hundred spent and should have you earn your first profit on day number 77.

And the third daily plan, The Daily Expert, will accept investments from a minimum of $4,000 in a return for daily payments of 1.5% interest. Which again if you are the type to spend that kind of money you can see that the idea of making a larger deposit in the previous plan is made pretty pointless by the substantially better returns you’ll get from putting it in here. There is no maximum size investment here and you can expect $1.50 per day on every hundred deposited. That will see you get your first profit on day 67.

Higher returns are available from WeeklyDividend and with them come a higher risk. These are all to be found in the weekly payment plans of which there are also three. The first one is called The Weekly Starter and you may join for a minimum deposit of $5. The weekly rebate will be 9%, or $9 for every hundred you spend. At that rate you won’t see your first profit until you’re collecting your 12th weekly payment. The maximum amount you may invest is $50,000 which again overlaps with the next plan making larger investments here pretty pointless.

See for yourself – the next plan is called The Weekly Novice and is open to all deposits starting from a minimum of $1000 up to a maximum of $50,000. The weekly interest payment WeeklyDividend offers here is 10%, so quite clearly if you are going to spend $1000 or more then you’d be wasting time and money by putting it the last plan. After all a child can see that $1000 will earn you $100 per week in this plan and only $90 per week in the other. Anyway, as you can see an investment here will have you break even after ten weeks. Everything beyond that is pure profit.

The final plan in WeeklyDividend is called The Weekly Expert and as always is for only the biggest players. Minimum investment starts at $4,000 here with no published maximum. The money you drop into this plan will pay you 11% interest per week or $11 for every hundred. It will still be the tenth week before you break even, but if the program survives that long then that’s not a bad little sum to be collecting every week.

What else? You hardly need me to remind you that the risk is bigger (but in the long run only slightly so) in the weekly payment plans. But if that’s why you’re in this game then you know that that is what you need to do if you want to earn bigger profits. It can be a very negative thing if you join any new program with only a plan on how to minimize your losses because if that is how you feel then I don’t think the HYIP industry is for you. I’m not saying you have to throw caution to the wind every single time of course, just reminding you that it’s called gambling for a reason. Anyway, if you want to know what I did, I split my own investment between both the daily and the weekly plans with half in the Daily Starter and half in the Weekly Starter.

Also I’d like to say that while I’m usually a great fan of investment plans that overlap somewhat in terms of the amount of money you are allowed to spend, it’s not really the case here. This is only beneficial in the event of plans running for different periods of time and maybe returning your principal. It can also be good for the financial health of the program by keeping as many of the plans open to as many different investors as possible and not make them unaffordable. But in this case when there is no difference in the other terms and conditions between the plans, i.e your principal never gets returned and there is no expiry date for any of the plans then it is less applicable. Payment options are by the way just standard fare for an online HYIP. LibertyReserve, PerfectMoney, and StrictPay are the payment processors currently in use. Room for improvement but acceptable nonetheless.

Choose what suits yourself best because despite the plans not been designed by a professional WeeklyDividend is still very promising. The plans are sustainable as has been proven by a number of other programs with a similar approach and WeeklyDividend does look very professional in other aspects.

Take the script for instance. It looks great and is actually one of the most interesting features about WeeklyDividend in my own opinion. It’s original and totally customized for this program but remains easy to navigate throughout. Sometimes it can be too easy to get a bit lost on sites like this but not this time. And the fact that the script was developed specially for WeeklyDividend only demonstrates the admin is at least trying to take this project very seriously.

What’s more is the addition of SSL encryption as supplied by Comodo to make access to your account much more secure. The hosting provider is CyberCobra who have them on a dedicated server with protection from DDoS attacks.

The admin has I must say, at least in my own brief dealings with him proved to be quite helpful and communicative which is not something to be underestimated either. You can contact him through the support ticket form on the site’s contact page or else via a direct e-mail address if that is what you prefer. They also have a Skype account where you can use Live Chat, although there is nothing on WeeklyDividend to indicate when this feature is available. The FAQ page is quite extensive though and might answer a lot of your questions.

The always thorny subject of what an online HYIP does with your money is this time explained by a somewhat vague description of ForEx trading performed not by traders but by computers. Make what you want of that but at least the risk involved is (briefly) acknowledged. But from what I can see the texts are original and there is something to be said for that these days. Hopefully the admin will agree to answer a few questions sometime in the next couple of weeks and if he does then maybe he’ll give a more detailed explanation of how it all works.

For now though I like the look of WeeklyDividend and would be reasonably hopeful of making a profit from investing there. And of course as they only opened for deposits yesterday so chances of success are at their best.

Other news for today.

Some good news came today for all the members of RichAliens. The program has been re-launched finally and it will become a more sustainable long term one this time. Surely it’s much easier to pay 4% for 30 days with daily payouts with only 20% monthly profit than 11% for 11 days and 12% for 12 days which RichAliens had in its first incarnation. The new RichAliens will only accept three payment processors: StrictPay, LibertyReserve and PerfectMoney (you might remember that AlertPay caused some problems last time). The minimum to invest into the new plan will be $5 and the maximum limited to $1,000 to prevent hit-n-runners from hurting the program. Remember that your pure profit will be only 20% within 30 days as the principal is factored into the 4% daily payments. The admin promised that the new program will be based on real investments in other ventures (piggybacking?) in order to generate income not only for those new members but also for those members of RichAliens who lost money in the first round of the game (the first round finished in December 2009 after less than a month online). How much will be paid to members not in profit isn’t specified however. If you were in the old RichAliens I suggest you open an account in the new version as membership requires you register again. The interface of the program remains the same with hosting on a dedicated server by HushHosting and the script licensed from Neversay so those participating in the first round will not experience any difficulties. However I guess I will have to publish another review of RichAliens on my blog soon as the first one (published here) doesn’t reflect the reality fairly due to those changes. Here is the official update from the admin Robert (interviewed here):
“The RichAliens have returned on earth and their mothership has landed again! They are now offering earthlings who wish to get abducted again a reasonable yet sustainable 4% daily for 30 days, which can be paid daily and be requested daily by earthlings.
The RichAliens will, at this time, be able to generate money out of the money invested and be able to pay those who are at loss with the previous round. This move will minimize the risks of members losing money because the Rich Aliens will invest part of the money deposited but not all of it.
Doing this, the RichAliens will be able to pay those are at loss in the previous round. The database has been backed up now and will be used to check members data to see who lost in the previous round. Little by little they shall be paid as soon as the investment starts paying off.
After this is sent, please be advised that all earthlings will need to register again to prevent confusion and because this is a fresh start. I am sure there will be some who do not wish to register again so let’s begin. You will need to register again in order to participate in our program.
Again, the new plan is 4% daily paid for 30 days, totalling 120% (20% profit) . The referral commission is 5%. Click here to sign up again.
Robert from the Mothership. RichAliens”.

There is some good news for the members of XagaEnterprise (reviewed here) as well. It appears that changing the domain names was forced by some malicious activities and reporting the old domain for abuse. Although the admin of XagaEnterprise Kevin (interviewed here) was very determined to get his site back as soon as possible, even with a different domain extension this time. If you were with XagaEnterprise for a long time you know that it’s in Kevin’s nature not to give up his site, especially to some lousy blackmailers who always extort money from successful programs like XagaEnterprise. So now XagaEnterprise website is back online on a .com extension and Kevin promised to process all the pending cashouts as soon as possible. He asked for members’ support on public forums and monitors and he surely deserves it for all the hard work he puts in for his program. Here is the last message from him (and the colorful lexicon is left unchanged!):
“I always come back, don’t I?
This is what happen: Someone reported XagaEnterprise for abusing. Therefore, our domain got suspended.
Now you can use .com and I have created .biz to prevent this happen again. So you can use both of them but I recommend you to use .com
If you use our banner, please obtain the right code from your member area.
from now on please use this link.
SSL will be installed later.
To those who reported XagaEnterprise. Do you think you can shut Xaga down? XagaEnterprise is my blood. I raise Xaga from nothing. If you want money, don’t blackmail me, blackmail your own Fucki*g Daddy.
I am sorry for my language. Honestly, this incident makes me angry.
Now, I got 1900$ pending withdrawal. Will start making payments now. Sorry for the delay.
I need your help. Revive XagaEnterprise on forums. Post payment proofs. I will do my job and do your job. Please help me.
No matter what happen, I will defend XagaEnterprise.
Thank you. Regards, Kevin. Admin”.

ArbsFund (reviewed here) seems to be paying on time still and in their last newsletter they finally announced the new perpetual plan for the larger investors. So from now on if you invest $500 and more in ArbsFund you can receive a much higher weekly interest rate of 15% (compared to 8.5%-10.5% per week offered in others). The admin of ArbsFund (interviewed here) also told the investors that the program’s team are back from holidays and from now on the payouts will be processed and the support tickets will be answered fast as usual (within 24-48 hours). Well, really the only thing that was left unanswered is the fact that ArbsFund was blacklisted on a Belize registration site for their misleading claims of incorporation in this country. I can see that their claims about Belizean incorporation were still not removed from ArbsFund website however it’s absolutely clear to me now that the investors should treat ArbsFund as an investment game, not more and not less. Here is the latest news from them:
“Dear ArbsFund StakeHolder; We wish to welcome everyone to a prosperous 2010, today we will resume our usual weekly trading schedule, our complete team are returning from the holiday vacation. So expect faster payments and the usual 24 – 48 hour reply to your support email will resume, we will start sort out all emails and answered them in timely manner.
ArbsFund already have +3000 members and still counting, we are aimed to improve our program and to make it as one of the financial giant in the online investment arena.
We have just open another plan, which is called Professional Plan which will earn you 15% weekly forever from your investment, you can start investing with professional plan for $500 minimum investment. Also our 2 plans are still running which is the ArbsFund Trading Plan will earn you 8.5% weekly forever and Royal Plan will earn you 10.5% weekly forever.
We will resolve all your support inquiry in the next 48 hours after we sort out each support request.
Thank You and Happy New Year!!
Public Relation Manager. ArbsFund Team”.

One of the longest lasting HYIPs in the Industry – InvestmentForge (reviewed here) – sent their best New Year’s wishes to all its clients. And the best present it gave the investors is the news that InvestmentForge didn’t go on holidays and worked to their regular schedule even during this festive season. As I can see the variable daily returns are still credited to the members’ accounts on every day (Mon-Fri) and you can make your withdrawals daily as usual. This, along with its longevity and stability are the main advantages InvestmentForge has over others and that’s why more and more investors have chosen InvestmentForge as part of their portfolio. Here is the latest update taken from the site:
“Happy New Year!
Santa giving presents only once per Year InvestmentForge is giving presents each day!
InvestmentForge Team wishing to all of our investors and visitors as much Happiness and Money as they Need!
Believe me it was really great Year! We have worked hard and become the best program. Of course our investors helped a lot with good votes on GP (GoldPoll) and posts with payout Conformation on TG (TalkGold) and other forums!
Each time when you giving us a good vote or post it helps a lot!
It’s great to know that You believe in us.
Also our Best Live Support manager (Nathan) Says Hi to all of his clients! His words:
“Thank you all for being kind and patient while Chatting with me! I Hope I have helped all who have asked for Help! Keep Earn Money with InvestmentForge! Happy New Year people!!!”
Anyway, InvestmentForge will keep working as usual! Just maybe we will give additional two free days to our support team for being with Their Families!
Do not forget, that we will pay as usual during the Holidays!
So, Happy New Year! Go and spend all these Money that you have earned with InvestmentForge!”

Flanita (reviewed here) has finished the first phase of its existence and after two and a half months of successful work online (Flanita is paying 1.5%-2.7% for 100 business days with principal returned on expiry) it was decided to reduce the percentage of referral commissions being paid to their promoters from the current 10% to 5%. It will not be done in one day though and you have almost two weeks to promote Flanita and receive the generous 10% commissions as the new referral rates will take place from the 15th of January. Here is the official statement from the admin of Flanita:
“Due to the high growth of activity of our affiliate program, we are forced to reduce the referral commission to 5%.
But as an exclusive advertising campaign, we decided to leave 10% to 15 January inclusive, so you have the opportunity to earn good money on attracting investors to our company, after 15.01.2010 referral rate will be 5%.
Thank you for understanding and cooperating with us.
Don’t hesitate to contact us if you need any help.
Bernard Omson, Flanita Investments support manager”.

If some of the programs reduce the bonuses others are increasing them in the hope of attracting more investors to their programs. Take WestFinance for example (reviewed here). You might be aware that they offered a lucrative bonus to new investors for the month of December and it expired on the last day of 2009. However, it was decided that the bonus offered to those who are willing to deposit in WestFinance in January will be even higher. I think it’s a kinda marketing tactic and I’m pretty sure that in February the bonus might be even larger! However if you find the new offer attractive you’re welcome to join WestFinance and make your deposit. All the information about how the bonus system works in January can be found in the latest update below:
“WestFinance 2010 Resolution = Bigger Bonuses: Free $25 Sign-Up Deposit, Plus 5% addon Bonus for Investment of $250 or more
Yes, you’ve read it right, we are giving away $25 Freely to all New clients signing up, till the 31st of January 2010. A few seconds after you complete the short, online sign-up form, you not only have $25 in your account, but you also start receiving dividends on it the next business day!
If, within 60 days of becoming a member, you activate your account by depositing at least $100 of your own money to your managed forex account, then you are entitled to keep any dividends that has already been paid and all future dividend payments on the sign-up bonus.
By upgrading your account to Active status, you will be able to withdraw dividends paid on the $25 bonus deposit, and withdraw referral earnings too.
Remember, however, you are never obligated to place any money into your account. If you don’t activate your account within the first 60 days, nothing terrible happens. The $25 and dividends accumulated simply go away. Afterwards, you’re still welcome to place an investment if you so choose, but without the benefit of the bonus.
The $25 bonus is given to you as a “demo deposit”, so that you can watch your account grow and see how our program works. As a bona fide investment to the program, it has the same 120 calendar day term as any deposit you make with your own money. And just like any other investment to our managed forex fund, at the end of 120 days, the $25 is paid back to your account because it’s your money.
You may roll any mature deposit into a new 120-day deposit to continue collecting interest on it for another four months. The choice is entirely yours. This “Auto-rollover” feature may be repeated as many times as you like, enabling you to enjoy continuous earnings if that’s what you want.
Although we’re not talking about an astronomical amount of money, if you put a pencil to it, you’ll see our gift is quite generous. With the $25 bonus, the net income on the first $25 you’ve gained will be actually 321.12 % – and that’s in just four months (120 days), not a year. And it’s pure profit, because your $25 principal is returned to you on top of that!
We didn’t forget our established account members
Applicable to All WestFinance managed forex accounts, for deposit of $250 or more made till the 31st January 2010, a 5% Add-on Bonus will be instantly added to your deposit amount.
Does Rollover deposit qualify for the 5% bonus?
No, The add-on deposit bonus does not apply to Rollover deposits.
Hurry Up to enjoy our Free Cash Gifts and Bonus offerings. Now, is the Right time to Invest.
Sincerely, Sheffer Rob. Managing Director of WestFinance Ltd”.

I have joined and deposited into a new and very promising medium term program today called InvestJoy. Actually the admin wanted to launch it tomorrow but then changed his mind so I’ll present it to you today. InvestJoy looks really good: has a memorable design, great features, has Enterprise level DDoS-protection from BlackLotus and accepts all the major e-currencies including LibertyReserve, PerfectMoney, AlertPay, SolidTrustPay and StrictPay. The investment plans are: 5% for 30 days with daily payouts and 150% after 15 calendar days with payouts processed on expiry. I myself invested in both plans as on expiry plan also looks pretty attractive. I suspect some experienced admin behind InvesJoy project as surely the preparation of the program came a long way (the admin purchased the banner on my blog a month ago!). Anyway, InvestJoy just started a few hours ago and you’re welcome to deposit. Just make a reasonable and informed decision and be aware that InvestJoy is just a regular HYIP and is not backed-up by real investments (at least I couldn’t find anything about that on the website). The review of InvestJoy will be published on MNO after I receive the first payout but for now please read the welcome message from the admin of InvestJoy published on the website:
“New year has just begun, this is time for money, real money. Recharge your hopes and start dreaming with everything you want for the new year. If 2009 was not very good, this is your opportunity to make 2010 much better. Harvesting the fruits during the year depends on what you are planting from now. Join us today and build a great year, with lots of money and JOY!”

I have been paid from the following programs today:
Investorum, HugMoney, ArbsFund, OneDailyPro, NanoMoneyCorp, KobelCapital, CedexInvest, MandarinInvest, RefMotor, Verifield, WeeklyDividend, FinanceNova, GlobalFund, AtoxFinance, AsiaInv, GeniusFunds, ZenithInvestment, INSPremiumAds, ArbisPro, InstantMoneyBets, RosalinFinance and PanaMoney.

That’s it for today guys, and hopefully I’ll see you all on MNO again tomorrow!