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

Hi everyone! Hope you’re all having a good weekend so far. Usually there’s a bit less work for myself here at weekends as there’s usually there’s a bit less news. And with tomorrow being a holiday (at least it is here) I looking forward to taking it easy after a pretty hectic week. But I’ll still have all the news worth knowing so make sure and check back again. First things first though and I want to look at a brand new program called MetalCommerce that was added to my monitoring list last Sunday. It’s not yet been a week so nobody’s in profit from it yet, but there’s nothing I can do about that except wait. Hopefully that won’t be for much longer though as among the plans MetalCommerce is offering there is a short term option.

And that’s where I’ll start. MetalCommerce has three investment plans for you to look at with various terms and various payment schedules with both short and long term options open to you. Two short term plans with daily withdrawals versus a long term one with weekly payouts is what you have to choose from here.

The Platinum Plan is what they call the first one and it runs for 15 business days (three weeks) and is open to deposits starting from a minimum of $10 up to a maximum of $2000. Daily payments are made from Monday through Friday at a rate of 1.4% per day. Your principal then gets returned on expiry. So for a typical deposit of let’s say $100 that would bring you in $1.40 per day, $7 per week, and a total of $21 by the plan’s end. Or in other words 21% profit.

At a slightly longer investment term of 30 business days (six weeks) MetalCommerce then have The Silver Plan. Strange name. Silver usually comes before platinum and not after it, but then they’re the metal experts here lol! Anyway, it’s just a word. The minimum deposit goes up to $50 and the maximum goes up to $10,000. Interest payments are on a daily basis from Monday to Friday and the rate is 1.6%. So again you will have to wait for your principal to be returned on expiry before seeing a clear profit. Meanwhile a typical $100 spend would bring in $1.60 per day adding up to $8 per week and $48 by the end of the term, or 48% profit. Which of course can only be called profit once MetalCommerce return the principal.

For a longer term option MetalCommerce has The Gold Plan which is significantly more profitable, and of course the price for that is a significantly higher risk. Here’s what happens. The plan runs for a term of 12 weeks and costs a minimum of $100 to join. During that period you are offered a weekly payment of 12% interest with your principal returned on expiry. So in return for the minimum deposit you can get $12 per week allowing you to break even after 9 weeks and finish with $144. Which is 144% profit when your principal gets returned. Maximum spend is $12,000.

Plans are not outrageously profitable and are easily sustainable, though obviously enough that’s only ever going to happen if the admin can do the right promotions and attract enough member support. Payments will need to be requested and you are asked by the admin to allow up to 24 hours for it to be processed, remembering that MetalCommerce don’t work at the weekend. The choice of payment processors is pretty good with most of the main ones being accepted. These include LibertyReserve, PerfectMoney, SolidTrustPay, and StrictPay.

Another thing that’s not bad about MetalCommerce is the security. They’re hosted on a dedicated Staminus server, supported and protected by Koddos. The script is licensed from Neversay and the website is protected by SSL encryption. You can contact the admin either by submitting a support ticket on the form on the contacts page or through Live Chat whenever someone is logged in (not a 24 hour service).

You can probably guess by the name where MetalCommerce claim to be doing business – precious metals – but the texts relating to that are all copied from a variety of sources including Wikipedia. Now, I don’t know about you but if I was such an expert on any particular subject that I could earn a living from it I think I could at least come up with a better effort than that. So despite the fact that MetalCommerce has a certificate of incorporation as a registered company in the UK (I have one as well by the way and trust me, I didn’t even have to get out of bed to get it! See here) it’s still just an online HYIP and a high risk venture.

With a high risk comes a high profit and if it pays off, then fine. If it doesn’t, then too bad. So don’t get too greedy and play with money you can’t afford. Better to take reduced profits on smaller investments that will also mean reduced losses if things go wrong and keep you as an active player on the HYIP markets for longer. Which applies to all HYIPs by the way and not just this one. MetalCommerce definitely has some bright prospects though, and once we start seeing the first principals returned on expiry it has every chance of taking off.

OTHER NEWS FOR TODAY.

It looks like the administration team behind Forexica (reviewed here) which I suspect to be responsible for a couple of highly successful short-term HYIPs in the past is looking for ways to increase the program’s exposure among potential investors. It was obvious for me that the program would not be popular in the current HYIP climate offering such low rates like 101% after 2 days, 103% after 4 days, etc. This was simply pointless as not many investors are willing to risk their hard-earned money to obtain such measly profits while they could go with already proven programs like ChokoMoney (reviewed here) and TrueEarn (reviewed here) for a better chance to earn higher profits on their investments. So it appears after some brainstorming it was decided by Forexica that it would be wise at least increase rates for some plans that were ridiculously low and could not attract any serious investors into the program. So last night I received the following email from Forexica:
“Hello, We have taken for changing some of our Plans forexica1 and forexica2 you can invest in them from yesterday with new percents.
Current percents : 101% after 2 days 103% after 4 days
After changing :
Forexica1 : 102% after 2 days
Forexica2 : 104% after 4 days
Please inform your friends and others about it.
Thanks and Best Regards.”

I was even more surprised after receiving a follow-up email today from Forexica announcing the further increase of rates for all the plans on offer. Well, it means my review needs to be adjusted and I’m going to send some interview questions to the admin of Forexica soon to explain the sudden change. It would be funny to hear his version but for me it’s all quite obvious – the program is trying hard to compete with some short-term giants by offering more lucrative returns and getting more investors. We will see if Forexica achieves this soon but for now here are the brand new rates from the program:
“Hello all, Today, We have a good news for our members and investors and monitorings. We are increasing our profits to 103% after 2 days up to 400% after 90 days. Please inform your friends and other investors about it.and new referral commission is 3% now.
Plan1: 103% after 2days
Plan2: 107% after 4 days
Plan3: 116% after 8 days
Plan4: 135% after 16days
Plan5: 156% after 24 days
Plan6: 182% after 36 days
Plan7: 235% after 50 days
Plan8: 280% after 65 days
Plan9: 400% after 90 days
Best Regards.”

Finally, the third update from Forexica for today was regarding some scammers posting on TG forum regarding some kind of bonus one can get by simply sending some info to a fake Forexica email address. The real admin of Forexica warned everybody from dealing with this possible hacking or phishing attempt and mentioned that they don’t post any special offers on forums and only communicate with its members via a mass email system. So please don’t fall victim to this and read the following email from Forexica carefully:
“Hello all, There is one hacker on forums for example this message isn’t from us :
“Hello TG members,
I am the support staff of Forexica.
Now our site is holding the first promotional campaign. We are offering USD$2 for all investors who have invested in the site. You can simply send an email to the following email, forexica.bonus@gmail.com to request for your bonus.
In order to prevent fraudulent requests, especially from multiple accounts holders, we would like to ask you to provide the followings in the email.
1.UserName
2.Security Question and answer
2.Bactch number and date
3.Deposit Amount
4.Your LR acct. Number
Hope you have a nice day and enjoy our promo.”
If we want say any things about our site we will sent it with newsletter.
We aren’t responsible about any hack and attack to you.
You should be aware about hackers on forums.
We don’t write any message on forums for request our members just in specially occasions.
Thanks and Best Regards.”

It’s no wonder to me because sometimes program admins act like real scammers themselves by soliciting some sensitive information from their investors. So the latest example is the email received from that bunch of scammers in MoneyPlus who stole just about everything from others: the design, the company name and address and daring to argue even with the real businesses that were affected by that. Just look at their interview here just to find out what ugly liars they are. And after that they truly believe that people would be so stupid and send them all their real documents to verify their accounts in order to get paid? Well, I think they undervalued at least MNO readers intelligence who I believe smart enough not to get into this trap and have their identities and financial information stolen to be used by criminals. Please note that anonymity is a very precious asset online and it should be strongly protected when you deal with online HYIPs most of which are scams and are good only while they are paying. It’s obvious that MoneyPlus is not going to pay investors who don’t verify their accounts and may not pay those who do verify them either. In my opinion they deserve to be moved to Problem status on MNO immediately. I would gladly have done it before (straight after publishing the infamous interview with them) but was unable to do it due to their paying status on MNO. Now it’s time to get it done with no regrets! Here is the above-mentioned email from MoneyPlus which made me put them to Problem status and which many of us received today:
“For process your account verification please send us scan of your credit card (front and back) in reply.
Regards. Stephan, verification department officer, MoneyPlus”.

The same goes with BritishFinanceGroup which also became a scam and stopped paying after just three weeks online. The admin of the probably used the successful PTVPartner model that lasted for over 8 months to get investors into his trap and then ran off with the money after the cashflow slowed down. Well, I simply hate such admins that open quite high-quality programs with huge potential just to scam the investors so fast. I’m really sorry that I accepted and accept my condolences if you lost in it. Unfortunately it’s completely impossible to predict a program’s lifespan in such a fast changing HYIP environment like the current one. Anyway, BritishFinanceGroup is gone and forgotten on MNO now like all the previous scams!

Let’s get back to some news from good and paying programs. The admin of XoboFinance (interviewed here) introduced yesterday the much-anticipated instant payouts for LibertyReserve withdrawals. I think that will get more attention for XoboFinance which it deserves. The program is offering 2%-2.8% for 40 business days and 11%-15% for 8 weeks with the principal returned on expiry for both plans. More on XoboFinance can be read in my review published here.

The admin of InvestBand (reviewed here) asked for members’ support after being paid to vote on different monitors and discuss the program on multiple forums to raise the awareness and help the program with long term stable growth. I remind you that InvestBand accepts four popular payment processors into four plans: 6% for 20 days, 1.2% for 30 days, 10% for 10 weeks and 12% for 22 weeks. Please note that on the first plan the principal will not be returned on expiry, while on three others your principal is returned. Here is the latest email from InvestBand:
“Hi, As you may already know, we have been paying and clearing cashouts daily within a few hours, since the site launched a few days ago.
We are asking for your support in helping us build a solid and lasting program. The support we ask is for you to spend a minute or two to vote for us in forums and monitors to prove to everyone that you are really receiving your payments.
Some of the forums are located here: http://www.investband.com/forums.php
Our monitors are located here: http://www.investband.com/rateus.php
You can also support us by referring others. You will be paid 5% of all investments made by those referred by you.
One thing you should understand about a long term program is that it requires the support of everyone to remain so and to grow solidly. And it allows you to make good profit for a very long time. We are very strong in Forums such as MoneyMakerGroup.Com, DreamTeamMoney.Com and TalkGold.Com and many more forums, but we also need to continue growing in all forums more forums.
Thank you for reading this newsletter.
Best Regards, Management Team. InvestBand.”

The new program has been added to my monitoring today is called SmartMoneyInv. The program offers three investment plans with the principal returned on expiry. Depending on how much you deposit you will be paid: 1.5% for 10 calendar days (from $10 to $200), 2% for 20 business days (from $201 to $2,500) and 2.5% for 40 business days (from $500 to $10,000). Please note that the first plan will pay you on calendar days while the two other plans will pay only on business days so the first plan is really more profitable than the others. You will also get your principal back much sooner in the first plan while you will have to wait for more time both others which is vital if you want to join SmartMoneyInv in the early stages (the program just launched a couple of days ago). SmartMoneyInv is running off a licensed GoldCoders script and has DDoS-protection from Dragonara which hosts it on a dedicated server. More about SmartMoneyInv will be discussed in my detailed review which is going to be published on MNO later next week.

To finish today’s news I’ll just tell you the programs monitored by MNO that paid me today. They are:
ChokoMoney, TrueEarn, RedOrchidInvest, FxCrudeOil, XoboFinance, EuroNanoInvest, EnergyMoneyFund, OneStepMoney, Forexica, InvestBand, Cizaro, HighYieldClub, RogerVille, AlphaMoney, StaunchFinances, ArbexTraders, YingYangInvestment, DorealCapital, ArbsTeam, AlFunds, PenninesFunds, EzProfit, YesInvestment and DubaiFinances (the first payment received).

I will be back tomorrow with two posts, guys: the first one will be an interview with the admin of a short-term HYIP EnergyMoneyFund (reviewed here) and the second one is another review plus all the latest news from the industry. Stay tuned and always be on the money with Money-News-Online!