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

Hi everyone! Here’s a strange question to start a review with, but do you need a hug? Stock markets been bad to you? Somebody forget your birthday? Or maybe like me and your team lost in last night’s Europa Cup final? If you think a great big hug would make you feel any better, but would actually prefer if there was a couple of easy dollars to be made along the way as well, then you may like the newest short term HYI program I want to review for you this evening. It’s called TeddyBearDreams and it just launched yesterday.

The second I laid eyes on it I knew the comparisons to a number of certain other new short term HYIPs were going to be obvious. But that’s not a bad thing and personally it’s a trend that I like and hope continues. TeddyBearDreams has a cute cartoon style theme to it but no pretensions about being a major player on Wall Street or trading in ForEx or anything like that. The admin has decided to take an up-front approach here and present his program to you for what it is – an online HYIP. So right from the start the admin has my ear, as I prefer the ones that don’t try to lie to newbies about the risks they are taking. And I think a lot of you guys seem to think the same way if the growing popularity of the programs adopting this approach is anything to go by. So if you still love the fun and the gamble that goes with online HYIPs but are a little bored of the plotting and the scheming that goes with so many of them, you might find TeddyBearDreams a nice alternative.

So where to begin? The plans I suppose, and after the cartoon theme the second thing I noticed about TeddyBearDreams was that there is only one of them. Well at least you won’t have any trouble making your mind up! And it’s really very simple as well. Basically what happens is this – the minimum amount you can join with is $5. The maximum is $4,000. The investment term runs for 6 days, and on expiry you get paid 130% in return for joining. That figure includes your profit and your principal combined, so for a $100 investment you get back $130 in total.

The payment options are decent enough, especially for a short term program with one verified account included for those of you who believe that to be important. The list includes AlertPay, GlobalDigitalPay, LibertyReserve, and PerfectMoney. But if that’s not enough for you then there’s nothing to stop you from asking for more. If enough people ask for it then the admin will at least consider it. Payments will have to be requested and the TeddyBearDreams admin asks you to allow him up to 24 hours to get them all processed.

The security of the website is also pretty good. Hand on heart I can’t say that I know a whole lot about their hosting provider, but I do know that they are keeping TeddyBearDreams on a dedicated Staminus server, which is of course the best you can get. They are called HighHosting and the only other program that I myself monitor who are using them (though I’m sure they have more clients) is StaunchFinances. There’s been no serious issues with them so far, and the admin rates them quite highly, so that’ll satisfy me for now. The script is licensed from Neversay, which is also dependable, and SSL encryption from GeoTrust is also used. So this is one Teddy Bears Picnic unlikely to get hacked. Contact with the admin can be made through the online support ticketing system.

As for the business plan, well as far as I can see there isn’t one to speak of. TeddyBearDreams is an online HYIP with a limited shelf life and no one is denying that. But from personal experience I know a lot of people don’t care, so the admin is just serving it up as it is. There is one thing I have to mention though. The expression “honest admin” (an oxymoron if ever there was one!) gets thrown around the forums a lot and indeed right on the TeddyBearDreams homepage the admin lists that very thing as a selling point for his program. With all due respect to the guy, that is not an honor one is allowed to bestow upon oneself! It has to be earned. And it also takes more than the absence of lies to make you honest. It takes good intentions. I mean, it makes no difference to anyone if you warn them it’s just a game if your intentions are to empty the accounts and run off with all the money on day number six without ever paying anyone a penny.

So yes the words are admirable, but now it’s time to back them up with some actions. Only when the first payouts on expiry are made can all the backslapping begin, that’s what we’re all really here for after all. Some recent other examples, as well as their own growing membership numbers, tell us all what we already knew: that TeddyBearDreams is a game with enormous potential and will become popular. Games like this one so often are. At just $5 to join and six days to make a profit why wouldn’t they be? And the timing is pretty good too as there is a little mini-trend starting up again, so if you are going to join, maybe now wouldn’t be a bad time. You can always keep it small for now, and when the first investors get paid on expiry (and you’re satisfied) you can think about something bigger. But always affordable and always as part of a well diverse portfolio.

OTHER NEWS FOR TODAY.

Not to get too far from the featured program of the day TeddyBearDreams let’s start our news update with the first newsletter which was sent today – on its first day online. The admin of the program Theo praised the growth of the program during the first hours online and stated that communication from the admin’s side would be pretty frequent which should determine further growth. However, I would say that the real indicator of good intentions will be the first payouts on expiry from 130% after 6 days plan which will hopefully be made in a few days. So far the level of growth was quite satisfying and at the moment of writing TeddyBearDreams has over 240 members who deposited over $13K in total. This program will be a hot performer after the first payments are done and I am sure of that! Here is the first newsletter from TeddyBearDreams:
“Hello all members of TeddyBearDreams!
I’m very happy to welcome you as a member and to introduce myself. My name is Theo and I’m the administrator of TeddyBearDreams.
We are officially 24 hours old now and we have over 185 members and over 12,000$ in deposits so far and those numbers are increasing minute by minute. It seems that TeddyBearDreams is a hit already in only its first day. As you will find out I to communicate often with the members so you will be hearing from me with frequent updates to make sure you are aware of what is going on here.
I’d like to thank the independent blogger who have taken the time to write reviews about TeddyBearDreams already in its first day online.
We anticipate also a review from Money News Online very soon also. Look for another Newsletter when that is published.
Back to us though. At TeddyBearDreams you are sure to realize very quickly the determination and honesty that you will find here. Many commission payments have already been paid and the fun is just beginning. Expect later on this week for us to start a referral competition and to have other contests to make our time together as enjoyable as we can. So grab your favorite teddy bear and hold on tight because together we are going to make history with TeddyBearDreams!
Theo. Administrator. TeddyBearDreams”.

Brent, the admin of StaunchFinances (interviewed here) sent out another regular update today where he announced the results of the payment proof contest. There were ten lucky winners who get a $10 cash prize for simply posting their payment proofs on some major forums that participate in the contest. Brent also promises to have a surprise announcement for us soon soon so I’m looking forward to that, guys. I’m sure that Brent is a very professional admin who will not let us down and StaunchFinances will stay a hot pick among the investors for a long time. StaunchFinances pays you on split investments of 20% for 6 business days with the payouts on expiry and 2.5% for 56 business days with daily payouts. Here is the latest newsletter from StaunchFinances (reviewed here):
“Dear members, Good morning to all of you! Just a quick announcement to spice up your Thursday.
As I’ve mentioned before, I am going to award some of you who are diligently posting your payment proofs at the forums. I was given a budget of $100 to give out today so I decided to look around our different threads. I chose ten (10) of you to be awarded $10 each. I know to some of you this is not much but $10 is still $10. Continue posting and you could win more next time as this is not a ‘one-time win’ thing, I could choose you again. One thing I will ask is to please add your referral link to your signature when you post so I know who to award especially if your forum username is different from your SF username.
The usernames of the winners are: empire99, willbeaver, ebusiness, andrey67, korchagin, anan, rapturewise, iancliffen, fishgirl and aussielady.
I will add your prize to your account ready for withdrawal.
To all those who didn’t win and want to participate (I really think you should), here are some of the links to our major forum threads:
http://www.moneymakergroup.com/Staunch-Finances-Staunc-t346009.html
http://mycashforums.com/index.php?showtopic=17836
http://www.dreamteammoney.com/index.php?act=ST&f=111&t=97293
Thanks and congratulations! And wait for my surprise announcement later.
Brent”.

The admin of ChokoMoney Chris (interviewed here) sent out an unusually short update today just to let everybody know that the script is running 8 hours behind so you will have to wait an additional 8 hours to be able to request your payout from 135% after 7 days plan. As far as I know such issues have been noticed already on HushHosting servers so there should be nothing to worry about. Here is the latest update from ChokoMoney (reviewed here):
“Dear members, As you probably noticed the server time has changed and is now preceding in 8 hours. So if your deposit had to expire and it didn’t, no worries as it will expire 8 hours later.
Regards, Chris”.

And just when I wrote this update I received another newsletter from Chris, the admin of ChokoMoney which was a regular newsletter and marked the wonderful achievement of 2,000 members which the program has now. Moreover, tomorrow there will be probably another milestone made as it’s expected the half million mark in total deposits will be reached. Isn’t it exciting, guys? After that nobody can deny that ChokoMoney is the fastest growing program which can boast such an enormous success after just 17 days online. Please read the following update from Chris to see this and other news for yourselves:
“Dear members, I am extremely excited to inform you that we have just crossed the 2000 members mark in 17 days only! I consider this as an outstanding achievement as ChokoMoney is still an infant. Furthermore, it looks like we are going to cross the $500k mark tomorrow. Well, at least I have a feeling this will happen! Watching the increase in the growth everyday. I am really happy to see many payment proofs being posted on the forums recently. Members’ support is the most important thing for me and so far, the level of support by reinvesting, posting payment proofs and voting on the monitors exceeded ALL my expectations. I want to thank you all for making ChokoMoney a great program for everyone! Everyday is definitely stronger than the day before thanks to the tremendous members’ support.
I decided that I will process payments at specific times everyday (about every 6-8 hours when I am not asleep) instead of sitting on processing withdrawals almost all day along, lol! It will be much more comfortable for me this way. I am processing hundreds of withdrawal requests everyday and the amount gets bigger and bigger as ChokoMoney grows and expands. I am also answering to thousands of support requests and I hope all of you appreciate my very hard work on ChokoMoney. I will do my best always to provide everyone with the best service I can.
I remind everyone that tomorrow, in about 24 hours from now, I will choose one of the payment proofs that have been posted on the forums randomly and the member who posted that specific payment proof I selected will receive a cash prize of $100 directly to the payment processor he wishes to receive it too. Remember that every payment proof posted has an equal chance to win, therefore I highly recommend everyone to post their proofs on the forums.
Regards, Chris”.

Quite a weird update I received from the administration of Forexica (reviewed here) today:
“Hello, Many members have question about deposit via PerfectMoney.
You can invest and deposit via PerfectMoney without any problem.
Best Regards.”
I was not aware about any issues with PerfectMoney payment processor which was available for investing (along with LibertyReserve) for all the investment plans Forexica is offering. Maybe the interview with the admin of Forexica which is going to be published on my blog tomorrow will shed some light to this mystery? Check it out tomorrow!

The recent newsletter from Cizaro (reviewed here) welcomed all the new members who joined the program for the first 9 days online. The first returns of principals on expiry should commence in a few days still as Cizaro offers 1.3%-2% for 14 days and I hope the program will successfully get over the first completed cycle and continue as normal because these plans look really sustainable to me. Here is the latest from them:
“Cizaro Valued Clients;
First of all, i would like to welcome all our new members who recently joined Cizaro. We at Cizaro will be happy to provide you with the best investment solutions and customer service in this industry;
Recently our Funds Managers, Made a 21% profit from our last week investment activity. As of today, Our Fund Capital already reach $45,000 ++. a 30% increase since yesterday. This will encourage us to further promote and market our program to the fullest extent.
Our Marketing Team are researching and implementing new ways of advertising to reach potential clients around the globe.
For all question and inquiries you can contact our support team, and they will be happy to assist your needs.
Thank You!!
Regards; PR-Manager. Cizaro Inc”.

The admin of the recently launched DubaiFinances (reviewed here) which pays 2.5%-4% for 60 days is starting to offer some limited bonuses to investors. While you know my attitude to any bonuses offered as unnecessary and sometimes suspicious providing that DubaiFinances is quite new this may be considered as a simple marketing trick to get more interest in his program. These are highly competitive times in the HYIP market remember. Here is the latest news from the admin:
“Hello members of DubaiFinances, today’s newsletter is to inform you about new contests that we are launching today, this contest will last 1 week and works as follows:
for deposits from $10 to $100, will receive a bonus of 5%
for deposits from $101 to $1000 will receive a bonus of 8%
for deposits from $1001 to $100000 will receive a bonus of 10%
This bonus will be available for immediate withdrawal or deposit them in the plans.
Remember this contest end on May 20.
I want to thank also monitors blogs and supporters for the good work done, and I want them to continue supporting us by putting their proof of payment in the forums and voting on the monitors.
DubaiFinances is growing every day and we will be here for long.
Best Regards.”

The admin of PrivateDiamondClub (reviewed here) made a good effort to put all the advertising videos, audios and PDF files together on one page. The main admin is returning from his trading trip and I can see that PrivateDiamondClub opens for new members now. So if you’re interested to invest in any of the available plans (1% for 120-365 days, 5.5% for 12-24 weeks or 26% for 6-12 months) allegedly backed by diamond trading in Africa you’re welcome to do so now. More news from PrivateDiamondClub will be published on MNO soon but meanwhile please read the latest short update:
“The Fair Trade speech by Mrs. Abdala M., Financial Director and co-founder of the PrivateDiamondClub is online now. You can listen to the speech or download a short Fair Trade statement as pdf in our new download and more area.
Just follow the link:
public.private-diamond-club.net/multi.htm
Other good news came from Lars. Our head of trading is back with his team later tomorrow on the 13th. of May.
Contact us if you have any question.
Pierre from The PrivateDiamondClub Limited support”.

In my opinion the admin of SmartMoneyInv (reviewed here) spreads an obviously wrong misconception of HYIPs as a whole industry by stating that your investment is guaranteed in the early stages if you join SmartMoneyInv and make a deposit into any of the offered plans: 1.5% for 10 calendar days, 2% for 20 business days, 2.5% for 40 business days with the principal returned on expiry. Even though I quite like the program for its wide choice of payment processors and instant payouts this guarantee is nothing but misleading. All HYIPs are risky ventures where you can easily win or lose your money and regardless if they are short-term or long-term ones there is absolutely no guarantee that you will be in profit from them. Especially that’s true now, when so many seemingly good HYIPs went down over the last weeks while many others didn’t even make it past the first cycle.

It’s no wonder that investors are quite cautious now when it comes to trusting new HYIP admins and rightly so. So any contests and bonuses are nothing other than marketing tricks in order to extend the program’s life-cycle. I’m not saying the admin should be inactive or dull in dealing with the investors but saying things like “my HYIP is real and others are games” is simply laughable. Remember that ALL HYIPs are games which don’t invest your money anywhere! Just some admins tell the truth which I appreciate while others treat members like fools which will definitely not attract smarter investors who can spot the lies from a distance. Anyway, these were just my personal thoughts that occurred to me while reading the following email from the admin of SmartMoneyInv:
“I am sending this email to keep our investors updated on the status of SmartMoneyInv. I wanted to let all potential investors know that there’s never a better time to invest than right now because our program is still really young and in the premature stages. Making a deposit now will almost GUARANTEE your return with much profit.
You can not compare our site to any high yield program out there because we DO NOT pay ridiculous rates such as 150% in 10 days. Thus you CAN NOT expect to see 1000 members in 10 days either. We CAN NOT be compared to any of these hit and run short term hyip games.
Our team of professionals actually take the majority of your investments and apply strategic methods to ensure a decent return each time, aiding in the longevity of SmartMoneyInv. Backstage we are solid, and ready to handle more investments.
We have reached over 450 investors in a short period of only 5 days, which is incredible since our stable rates offer growth for the long term. After 30 or 45 days our program should still be growing into our peak. Even after 60 days we should have grown and matured into over 2,500 investors.
Do not be leery if growth seems slow, when actually for our program we are excelling. I am here to assure you that our program WILL have over 2000 investors after a while and remain online much longer than any short term hyip. At 2.5% daily for 40 business day, a VIP investors will earn 200% total return, guaranteed. This requires only a $500 deposit and along with that you qualify for 5% deposit bonus. This is actually the most secure method to double your investment in the shortest and safest time period.
We realize how important support from EVERY active investor really is and therefore we’ve decided to run two more GREAT contests. Hopefully we can receive a nice turnover and reward many members in the next 48 hours.
These contests are very important for you to participate in and are easy to win. Our NEW contest rules are as follows..
For the next 5 days, 5 members will be rewarded $10 for their honest opinions at either a monitoring site or forum thread listed on our rate us page .
http://www.smartmoneyinv.com/?a=cust&page=rateus
Simply post honest comments after your instant withdrawal is made and send your username, your honest post, and the link to the monitor or forum thread where you posted by leaving a support ticket here:
http://www.smartmoneyinv.com/?a=support
Please check your email after an instant withdrawal is made for a quick link to our rate us page for easy commenting and posting reviews and for a chance to win
Each day we will review the entries and choose the best honest comments and reward 5 users $10 each
Also we’re starting ANOTHER contest, in which will require the help of each member of SmartMoneyInv.
The rules to this contest are as follows..
If our total user amount exceeds 600 members in the next 24 hours we will reward EVERY member $1! This is a very obtainable goal and we will be happy to reward our entire member base.
Also remember that your principal is always returned so you have nothing to lose and everything to gain with such a young program with as much potential as this one.
Last but not least is our next promotion which will run indefinitely. THIS IS PROMOTION IS VERY IMPORTANT FOR ALL MEMBERS TO PARTICIPATE IN. Each member who decides to make a REINVESTMENT qualifies for 5% deposit bonus and if their reinvestment exceeds $500 you will also receive the regular 5% deposit bonus offered for a total of 10% deposit bonus for reinvesting $500 or more. It’s that easy, and will help our program grow into the second cycle of payouts.
Now that’s a lot of ways to earn more with SmartMoneyInv, so please go out and tell your friends and family about SmartMoneyInv and why it’s different.
Our staff is dedicated to helping each investor 24 hour a day, and even offer live phone support during business hours. Each daily interest payment can be withdrawn instantly, setting our site apart from many other so called ‘professional’ investments.
If you have any questions never hesitate to contact our LIVE customer support or call us at our office. We are answering questions 24 hours a day for your convenience.
Regards, Paul – Smart Money Investment Ltd.”

While delaying many withdrawals the administration of StrictPay offered no-fees Bank wire deposits sent to their account. This news was kinda strange to me as I believe with such enormous withdrawal delays StrictPay is experiencing right now it would be more logical if the withdrawals would be free from fees. Anyway, these were just my thoughts and I really hope StrictPay will be back to normal with processing the withdrawals soon. The latest newsletter from StrictPay is being republished below:
“StrictPay Customers
With the ACH deposit option getting closer to being a reality, we decided it would also be a good time to give our bank wire deposit customers some good news as well. From now through the end of June, there will be no fee charged by StrictPay to do a bank wire deposit as a way of saying thank you for your continued support. After the end of June the fees will go back to the current level. To do a deposit via bank wire, please login to your StrictPay account, click on the Deposit Link towards the top of the page, and choose Bank Wire. Take a few minutes to fill in the details of the bank wire you intend to send, and then when you click to confirm the request, you will be taken to a page with printable bank wire instructions. These instructions will make it very easy for you and your bank to do a successful bank wire deposit.
As always, we appreciate you choosing StrictPay as your online payment option.
Thank you. Team StrictPay. The Best Payment Solution”.

There were two new programs added to my monitoring today. The first one is TopEarnClub and it’s another promising short-term program offering two 7 day short-term plans. Under one you will be paid 18% for 7 days with daily payouts so your total profit will reach 26% after a week. The second plan is more risky and more rewarding as it pays 135% after 7 days with an on-expiry payment. A wide choice of payment processors will definitely attract some attention to the program which just launched a couple of days ago. TopEarnClub accept LibertyReserve, PerfectMoney, GlobalDigitalPay, StrictPay and AlertPay. The minimum to invest in both plans is $5 with the maximum of $5,000. TopEarnClub is running off a licensed GoldCoders script and is hosted on a dedicated Staminus server with Koddos protection. SSL-encryption is also available which makes the site more secure for investors. More about TopEarnClub will be published on my blog soon. Stay tuned for that!

The second program that was added is a more straightforward HYIP game which only accepts LibertyReserve and PerfectMoney. It’s called OilInvestment and it just launched today. The program is widely advertised on big monitors already which makes me think that it has quite a big budget to become popular and last longer. OilInvestment also has a good site design, is running off a licensed GoldCoders script and is hosted on a dedicated Staminus server with DdosWiz protection with SSL-secured channel. So the program looks quite good but what about the plans? They are extremely short-term in most cases and there is a huge variety of them with the minimum to invest set to $10. The plans will be fully described in my upcoming review but for now I’ll just give you a brief mention of them: 53%-62% for 2 days, 104%-124% after 1 day, 122%-192% after 5 days, 140%-368% after 10 days, 165%-506% after 15 days, 950%-1082% + principal after 30 days. Well, OilInvestment will be reviewed on MNO pretty soon so if you’re interested watch out for that.

And finally to finish here is the usual list of programs that paid me today:
OneStepMoney, AlphaMoney, TrueEarn, MasterFunds, BetExpekt, EuroNanoInvest, SmartMoneyInv, XoboFinance, ChokoMoney, MetalCommerce, GroupUniversal, StaunchFinances, HighYieldClub, RogerVille, DubaiFinances, Cizaro, NanoVenture, DynFxTrade, ArbsTeam, AtoxFinance, IncoForex, Plents, RedOrchidInvest, PrivateDiamondClub, Forexica, InvestAward, DorealCapital, YesInvestment, GoldenInvestment, EzProfit, EnergyMoneyFund, InteligentMoney (the first payments received) and TeddyBearDreams (the first payments received).

That’s all for today, guys! Stay tuned for another interview, a review of SMRTrade and more news from the industry coming on MNO tomorrow!