PLEASE BEWARE! THIS PROGRAM HAS STOPPED PAYING! PLEASE DO NOT INVEST!

Hi everyone! To start the week I’d like to move away from the shorter term programs that have been so prominent recently (you guys remember diversification, right?) and talk about a really good new mid to long term HYI program called GarantMoney. Well, when I say they’re new remember that’s a relative term. GarantMoney have been online for around two months but for a program like this that can still be considered new enough so you’d still be joining at a good time. Your choice of course but at least take a look and see if you like them.

GarantMoney has a number of different plans to choose from, including what they describe as a Test Plan. It looks pretty good by itself, however as it’s for testing purposes it’s only open to small deposits. But there’s nothing wrong with that either I guess. Not everyone’s a millionaire so it’s actually quite suitable all by itself for small investors. The plan runs for 20 days and will cost a minimum of $10 to join. During the course of the term you will receive a daily interest payment of 1.2%. By the end that will have accumulated to 24% of your principal which is then returned. The maximum deposit is $50, so if that is what you joined with you would receive $12 in profit. That may not entice many US or EU based readers but there are plenty of places around the world where that would be considered quite nice.

But if you want something a bit more substantial then start by looking at The Start Plan. It runs for 30 days and is open to deposits from a minimum of $51 up to a maximum of $400. The rate of interest will be 1.4% per day. That will all ad up to a total of 42% by the end. Your principal will then be returned. So in other words join with $100, receive $1.40 per day up to a total of $42, and then have your initial hundred returned.

GarantMoney then offers what’s called The Normal Plan. This one runs for 60 days and is open to investments starting from a minimum of $401 to a maximum of $2000. During the term a rate of interest of 1.6% will be paid to you every day. All of which adds up to a total of 96% by the end when you get your principal returned. That’s almost double your money but I have to say that this, when offered by a program like GarantMoney, can be pretty sustainable over a long period of time. A lot of other programs offered similar returns in the recent past but in much shorter periods. Many were successful up to a point but few really managed to sustain them for prolonged periods. It’s a lot more achievable here though over the course of 60 days, which is far more realistic if you’ve simply got the patience to wait.

The final plan available here is called The Expert Plan and it’s really for the more serious HYIP players. Why? Well for one thing it costs a minimum of $2001 to join so think about it carefully. If you decide to go ahead, then the term runs for 90 days during which GarantMoney will pay you 1.8% every day. Now obviously there is a big risk getting involved here, but in fact that risk might not be as big as you think. With a payment of 1.8% per day you would actually break even after 56 days, which is actually faster than the previous Normal Plan. That would be something in its favor if you are a bit put off by the cost. Anyway, the payments would add up to 162% in total and your principal is then returned.

A couple of other quick points I need to make before we move include the availability of compounding. This is available only for the first three plans where you are free to set your own rate. Just keep in mind that this feature is not available if you are joining the Expert Plan. The other thing is that of payment options. The choice is a bit disappointing to be honest with only LibertyReserve and PerfectMoney. I mean even if that’s what you wanted anyway it’s still better for both the investors and the overall appeal of the program to offer a bit more choice. Withdrawals are manual and you are asked to allow 24 hours to have them processed.

Otherwise though GarantMoney is well up to standard when it comes to security. The first thing I noticed was their use of SSL encryption protecting the website. They are also hosted on a dedicated DDoS protected server by Dragonara, who are one of the very best providers in the business. And the script is licensed from GoldCoders. Customer support is available by submitting a ticket on the contacts page.

The home page carries a rather garbled and incoherent message about profitable investments but little in the way of any information about what, if anything, happens your money after you deposit here. But it’s also better sometimes to just not have your time wasted on such things so just play this one like a regular online HYIP game and don’t expect any guarantees from GarantMoney. But it’s not a bad program at all and if you are looking to diversify (and no matter what you think of GarantMoney you should at least be thinking of that) then it mightn’t be a bad place for an affordable deposit. Certainly while they can still be classed as relatively new.

OTHER NEWS FOR TODAY.

I would like to start the news section today with two more warnings about programs that are in my humble opinion are on the verge of collapse. The first one is the very popular MandarinInvest which has been online for five months and attracted quite a lot of members. Unfortunately it seems that lifecycle of the program is coming to its inevitable end as I received many complaints over the weekend about pending payouts (I remind you that the payouts used to be instant). It seems that really small payouts and payouts to AlertPay are still being processed instantly while others are in pending status. The most disturbing factor which makes me say that there could be a really serious problem with MandarinInvest is that the admin stopped replying to e-mails. It’s a definite sign of a pending scam so please do not invest there anymore.

The second program which I had to move to Problematic status on my blog today is GloboFunds, though it has been paying for over four months. But now we have some pending payouts to LibertyReserve which used to be instant as well. I advise you to stop investing in GloboFunds at least till the payouts catch up.

It looks to me that the closure of such giants like GeniusFunds, NanoMoneyCorp and GNI in quick succession really affected the industry in a very bad way. There are more and more programs collapsing each day and there were two major factors contributing here. Firstly, many investors who lost heavily in the afore mentioned programs are leaving the industry for good and no longer reinvesting in the less popular low-ROI and even short term high ROI programs. That in turn affects the cashflow of the programs in a very negative way and since they are all depending on new spends to some extent (regardless of what their owners might say) it’s definitely hurting them and forcing them to close prematurely.

The second important factor is piggybacking on other programs. Yes, that’s right, many owners of smaller programs flourished when the giants were still alive and kicking by simply reinvesting members’ money in those programs in order to receive a profit for themselves paying the rest to their members. Since those programs collapsed the chain was broken and that obviously contributed to some closures. Those two factors might be seen as part one of the cycles in HYIP history coming to an end. However there is no doubt for me that another successful cycle will be open soon as the world of online HYIPs is one that changes very fast and older investors will simply be replaced with newer ones who will be less cautious and more eager to spend in what they see as promising programs. I think this new successful cycle might start in the autumn, however we should expect some promising programs to be open in summer and maybe even in late spring. Those who pick the right ones will definitely be in profit by the end of 2010, so we will see how it goes, guys!

There is one more warning I must issue today and this time it concerns Dragadox. As you might remember it was declared a scam on MNO several days ago. However the admin reappeared today by sending mails soliciting sensitive information which will later be used against you in different ways. For instance the admin can just sell your details to somebody else who would use them to verify payment processor accounts. Anyway, it’s simply hilarious that somebody totally anonymous hiding under the name Bear Stearns which he probably took from cartoon expects you to send him sensitive personal info. Under ANY circumstances do NOT do this if you don’t want to bring trouble on yourself. All HYIPs are simply games and the owners of which are totally anonymous. So do not reveal something that you might be sorry about later to them. I wanted to give you this awful email example from Bear full with grammar mistakes but then thought it’s not worth it. Just remember that your personal info is NOT a part of the game and please be careful with such scammers.

Unfortunately I cannot return BiotechInvFund to Paying status my payout to PerfectMoney is still in Pending status for over 12 hours. I don’t think that the program will be able to survive unless it’s paying on time so I have to move it to Not Paying status until the payouts are done properly. I think I gave BiotechInvFund enough time to cope with their recent issues allegedly caused by a DDoS attack experienced a couple of days earlier:
“Due to the resent DDoss attack we have to make some adjustment to our script that led to miss configuration with the payment systems that we use so temporary we are not able to process automatically you withdraw request. Please allow us up to 24 business hours (we do our best to process sooner) We were expecting to restore automatic withdraw in the next few days.”

The admin of SmartTradersInv (reviewed here) announced that compounding is now available on all plans offered by his program: 1.2%-1.4% daily forever or 9%-10% weekly forever with the possibility to withdraw your principal after 100 days. The rules of compounding are below:
“We are proud to inform you, You can now compound your deposit. This option is available in your account and can be changed at any time.
Just loggin in your account, click on “my deposit”, and you’ll see the option compound (set at 0% initially if you don’t change it). Compound rate can be setup and changed at your convenience.
We hope you’ll like this new option to increase your profits with SmartTradersInv.
Best regards, Calvin. SmartTradersInv.”

You might know that any certificate of incorporation offered by a program’s admin is nothing more than a piece of paper and doesn’t guarantee your investments in any way. Although sometimes I’m pleased to see that some admins actually go to the trouble of obtaining legal certificates to show them on their websites. This definitely instills a certain level of confidence in some investors which makes a program run longer than their competitors. I’m talking here about WaterInvestment (reviewed here) which has been running for over two months and has already reached the #6 spot in the MNO ranking. I remind you that WaterInvestment offers 10%-14% weekly for 20 weeks with the principal returned on expiry. The admin posted certificates of incorporation received by their company from the British Virgin Islands and Bahamas not only as PDF files but also as a proper pictures which you can see on the WaterInvestment website. Here is the latest update about that:
“Now you can see how our documents look in real life. To view all the photos visit the DOWNLOAD section of our website.
You are receiving this message because you have opened an account with WaterInvestment.
Warmest regards, WaterInvestment Administration”.

The admin of BioEnergyFunds (reviewed here) reminded investors that the cashout button had been opened but also mentioned that there was no need to rush now as the payouts starting this week can be requested from Monday to Friday (it used to be only Mondays and Tuesdays). It’s actually the major news for this week and I can confirm I was paid pretty fast today after requesting the weekly payout. Hopefully BioeEnergyFunds can become even more popular with these new improvements. I remind you that currently BioEnergyFunds offers two investment plans: 7.5% for 4 weeks with the principal returned on expiry and 8.5%-12% weekly for 30 weeks with the principal included. The most recent newsletter from BioEnergyFunds can be read here:
“Hello to all BioEnergyFunds Members,
Just a brief update regarding the progress of payouts. We have been absolutely flooded with requests from the moment we enabled the cashout button at midnight today, server time. Over a hundred requests have now been fulfilled. The remainder are still being processed and will be completed either today or tomorrow. (For security reasons, only admin does the processing.)
We thank you for your patience, and ask that you remember to post in forums and on monitors when your payout is received.
Remember, starting this week payouts may be requested and received on all business days, Monday to Friday inclusive. Please allow 12 to 72 hours for processing, depending on the number of requests in the queue and other factors.
New members continue to roll in……welcome to all of you! If you have any questions, please don’t hesitate to send a support ticket.
Have a happy and prosperous first week of Spring,
Your BioEnergyFunds Team”.

I hope you remember about the importance of working with only the best exchangers if you wish to play the HYIP industry wisely and that means opening accounts in different payment systems to diversify your funds and minimize the possible risks. Then there definitely comes a day when you will have to exchange money in one payment processor to another. If you’re looking for reliability there is no better option than xChanger. The admin of that site was interviewed by MNO already (read the interview here) and I always had only the best and most positive experience working with him as all the exchanges were fulfilled in a fast and professional manner. Recently xChanger added GlobalDigitalPay to the list of options already including LibertyReserve, SolidTrustPay and StrictPay. But the most recent addition of AlertPay and making xChanger an official AlertPay exchanger will make them even more popular. There are also special promotional offers added this week offering some very attractive rates. To start using xChanger you simply have to register an account with them, however to take an advantage of the exchanges from AlertPay you will have to verify your account by uploading your national identity card or driver’s license and utility bill. As you know such requirements were made due to AlertPay’s strict policy against fraud. More news from the xChanger admin can be read below:
“1) AlertPay added. We have some great news. We have added AlertPay to xChanger.org‘s list of supported payment processors.
xChanger.org is an approved AlertPay exchanger. We have been featured on AlertPay’s blog. You can check out the post here: http://blog.alertpay.com/2010/03/new-e-currency-exchanger-allowed-by.html
2) In order to exchange FROM AlertPay, you’ll have to verify your xChanger.org account. There’s a new page in your Members Area named ‘Account Verification’.
Special Promotions.
2.1. Exchange StrictPay to SolidTrustPay for 4%.
2.2. Exchange GlobalDigitalPay to SolidTrustPay for 2%.
2.3. Exchange AlertPay to SolidTrustPay for 4%.
We also still have Liberty Reserve to Solid Trust Pay for only 2%.
These offers won’t last for long, so you may want to act now. Go to xChanger.
Sincerely yours, xChanger.org team”.

I have added a new exchanger called UnblockExchange to my list of recommended ones and I hope to interview the admin of it on MNO soon. Unlike xChanger UnblockExchange are not only offering exchanges to and from four payment processors (LibertyReserve, PerfectMoney, StrictPay and SolidTrustPay) but also provides you with a service allowing you to actually buy and sell your e-currency. Some special discounts were already promised by the admin of UnblockExchange to those joining under MNO link (click here to join) and I hope to find out more on that soon. I have recently had my first test exchange processed and look forward to many more.

I would like to introduce two new programs on my blog tonight. The first one is IntermedInvestments. Actually, the program is not so new. It has been monitored by MNO for about 3 months now and is even older again. Anyway, for this period the program has performed well. The admin hesitated in upgrading his monitoring because he thought his program might not be of a standard suitable for MNO readers. However, I really don’t think he had anything to worry about as apart from the design I like this program. IntermedInvestments is hosted on a dedicated server by HushHosting (quite a reliable company in HYIP world) and is running off a licensed Neversay script. As you know this means that you can only invest by buying units, which in this case cost $1 each. There are three plans on offer taking five popular payment processors (LibertyReserve, PerfectMoney, GlobalDigitalPay, StrictPay and AlertPay): 1.25%-1.75% for 100 business days, 7.5%-10% for 20 weeks and VIP plans paying you 25% bi-weekly for 12 weeks (this VIP plan is limited in time and will be removed shortly). Please note that on every investment your profit is fixed and only depends on the amount you spend (the minimum allowed into the Daily and Weekly plans is $5 with $100 minimum in the VIP plan). Also your principal will be returned on expiry. More about the plans and about IntermedInvestments program itself can be read on MNO soon.

The second program added to MNO is the brand-new PrivateDiamondClub. It’s also hosted on a dedicated server via HushHosting and is running off a licensed GoldCoders script though customized to their needs. They have a UK certificate of incorporation which doesn’t guarantee anything and offers phone support for VIP clients with the deposits over $2K. Claiming to get profits from African diamond mines is hardly new but not that common either. Of course no proofs were presented and we can’t verify if they really sell diamonds worldwide as they claim. The investment plans include: 1% for 120-365 calendar days (principal is included in the daily payouts and you can invest from $50 to $5K), 5.5% weekly for 12-24 weeks (the principal will be returned on your request after a 12 week lock-in period and the minimum to invest in this plan is $100), 26% monthly for 6-12 months (the principal will be returned after a 6 month lock-in period and the minimum to invest plan set to $1,999). Note that for each plan you can choose a compounding level up to 50% in your member’s area. Currently PrivateDiamondClub accepts StrictPay, LibertyReserve and PerfectMoney (deposits to GlobalDigitalPay and Pecunix can be done manually and will be added to the script later). I think PrivateDiamondClub is really an interesting program with totally different concept and I would be glad to review it soon after verifying the phone support numbers listed on their contact page and receiving the first payout. So please stay tuned for that as it promises to be interesting.

Here is the list of programs on Paying status on my monitoring page that paid me for the last 24 hours:
Aballong, SureBetInv, WaterInvestment, RedOrchidInvest, PTVPartner, PanaMoney, SotInvest, ProsperityWallet, Cashift, NasMos, Verifield, AvaInvestment, BJInvestment, Oico, DynFxTrade, FinanceNova, BioEnergyFunds, IntermedInvestments, ForexNetClub, BVBC, PrimaryPool, AtoxFinance, OneDailyPro, YesInvestment, GoldenInvestment, EzProfit, GarantMoney, DepositPalace, ExceptionalFunds, UmaxFunds and SmartTradersInv.

That’s all for today, guys! I hope to see you all here again tomorrow!