BEWARE! THIS PROGRAM IS PAYING SELECTIVELY! PLEASE DO NOT INVEST!

Hi everyone! Well, now that Friday’s here again I hope you’re all looking forward to a good weekend ahead and are keeping a positive outlook on life. I’ve got plenty to keep myself occupied as usual so no complaints there. Before we get to the day’s news however there is one short term HYIP added to my monitoring page during the week that I want to take a closer look at tonight which is called FruitInvest. It’s yet another in the recent spate of cartoon themed HYIP games, some of which have been a bit less successful than others.

Not to start things off on too negative a note but the fact that FruitInvest is strikingly similar to a couple of recent scams is just too obvious to ignore. Just understand that I personally am not linking any of them. A lot of people active on the main forums are, and the “debate” for want of a better word is ongoing. It’s actually a question that often comes up in this business as to whether this admin or that admin are really one and the same person. Most of the evidence is usually pretty flimsy and more often than not does nothing more than indicate the same graphics designer. For instance in this case FruitInvest are using the same cartoon character that PanaMoney had in their ads, but I wouldn’t go so far as to say it’s the same admin. Anyway, I just felt I needed to say that first. But if anyone has any doubts or fears then my advice is put your money back in your pocket and move on. HYIPs are in my opinion a form of gambling anyway.

So what’s on offer to those who do decide to play? Well, FruitInvest has two pretty simple short term plans for you to think about. Both of them pay only on expiry. The first one runs for a term of 4 days and pays 116% interest on expiry. That figure includes your principal. The minimum spend is $5 and and the maximum is $1,000 so there won’t be any crazy sums of money thrown around here either.

If you’re feeling a bit more brave and want to take a bigger gamble, or indeed want to split your deposit between the two plans, FruitInvest have a second option that runs for a term of 7 days. The minimum investment goes up to $10 this time and the maximum takes a similar hike to $2,000. Payment is made on expiry and will be 132% of your deposit, which is already counted as part of that.

The list of payment processors is pretty good, StrictPay are having a couple of problems at the moment are not really as serious an option as they used to be. But whatever else the FruitInvest admin gets accused of, let’s not blame him for that one lol! The other payment options include AlertPay, LibertyReserve, and PerfectMoney. Minimum withdrawals are a dollar and the admin asks you allow him up to 24 hours to get it processed.

The security of the FruitInvest website is also pretty good with a licensed Neversay script and SSL encryption to protect your account. Koddos are the hosting provider and have FruitInvest on a dedicated Staminus server. All of which is great but obviously does absolutely nothing to guarantee you’re going to get paid. You can contact the admin by submitting a support ticket on the form provided on the contacts page.

While FruitInvest is still new there is still a chance to profit, but there’s nothing here to indicate any kind of serious business plan. But that’s OK by me. Take it as it’s presented to you, which is as an online game. And there’s a lot of factors that can influence the outcome of that game. One of them is the support from the members. Another is the intentions of the admin once he gets that support and that’s no easy thing to call as we’ve seen all too often in the recent past. The thing to remember here at all times is that the only person that fully understands any HYIP is the person that is presently holding your money, so as long as you want to play with HYIPs remember that for the duration of the investment term that person is not going to be you. And FruitInvest are not the only ones I’m going to say that about. You only need to be afraid if you’re throwing around ridiculous amounts of money by the way, so if you’re going to play this one play it for fun. Because knowing it’s a game before you started doesn’t make it any easier when you lose.

OTHER NEWS FOR TODAY.

Staying on the topic of FruitInvest the admin of the program reported in the first newsletter that the first withdrawals on expiry from 116% after 4 days plan would be processed tomorrow. He also addressed some allegations about being the admin of the recently folded short-term games like ChokoMoney and TeddyBearDreams and asked for the members’ support on forums once the payments are processed. Some traditional contests will start after the completing the first round of payouts tomorrow so stay tuned as MNO will definitely report on them when the time comes. Here is the newsletter from FruitInvest:
“Before getting in to something else let me thank all the members who has faith in FruitInvest.
I was lot busy behind the screen in support and other activities. I feel now is the time to update.
Come to first point. FruitInvest is 3 days online. Total Members are 322. Total Deposits are $18362 at the moment.
This is great achievement in these turbulent conditions. I appreciate everyone who are part of this success.
Next, Tomorrow is the big day i.e first payout day for the members who opted for Plan 1 (116% after 4 days). As i asked first i need your utmost support towards FruitInvest. Please post your payment proofs on all forums and monitors.
I was asked by many members to participate in MMG forum discussion. It is accepted. You would see me there after first round of payments.
Final clarification. Many are crying in forums as FruitInvest is related to recently collapsed ChokoMoney and TeddyBearDreams. I am clarifying to members “FruitInvest is no related to them”. If anyone wants to contradict “Prove it first”. I will be transparent to my members always. Will not give silly excuses. Forget those melted chocolate bars and damaged teddy bear which is in dust bin now. This is the time to enjoy fresh fruits. FruitInvest is here for a long haul.
FruitInvest was reviewed by Austin’s Extreme Surfs Blog. Next review will be done by Paul’s MNO Blog today. I will inform once it is done.
Referral contest will start after the first round of payments. Details will be shared in next news letter. That’s it for now.
George”.

Some interesting news came today from PrivateDiamondClub (reviewed here). First off, the daily paying plan of 1% for 120-365 will cease tomorrow and is going to be replaced by another plan shortly. Of course, any current investors already in this plan will not be affected and will continue to receive their profits as usual. Second, the admin is working on making the site more user-friendly for the members. So a short audio statement was added on the website, the phone line issue will be fixed pretty soon but meanwhile you can contact the program’s staff via Skype calls if you fail to get through their main phone line. Better news came for any perspective German speaking clients though with a German speaker now taking care of support just for them. So there won’t be a language barrier and you can manage your investments in PrivateDiamondClub more efficiently. The third story is the most exciting though. I’m talking about the possibility to deposit or withdraw your money via Western Union so you could save on exchange fees. This new feature will be introduced shortly and of course MNO will discuss this opportunity in more detail once it’s active. That’s all from PrivateDiamondClub and for more details and the latest news from the program please read the latest newsletter from its admin Lars below:
“Dear members and followers of the PDC,
It is the 20th of May. As promised in my last news update we made some changes. But first let us talk about the last trading journey. It took place in the CAR as you know and our head of trading and we are fine with the result. The rough gemstones were all sold to one big agent who will sell the final product after the cut to diamond stores worldwide. The first meeting took place Monday and today we finalized the payment. Well, tomorrow is Friday and the PrivateDiamondClub stuff will have a small celebration after work. And like I hoped we made even more profit than I hoped for.
You remember Henry. I introduced him to you after the diamond trade last week was over. Henry gave a short audio statement about his work on our Downloads and more page.
If you have problems and can not listen to it, you can also find the audio statement on the:
www.yourlisten.com/channel/content/45053/audio
He promised to give our members and followers more information about his work. He has his own page now to give you a short overview how to analyzes a rough diamond. You can find his site tomorrow in our Trading Information Centre.
The next trading journey will take place again in the Central African Republic after 3-4 weeks. But this is always in the hand of our head of trading.
We have a new employee in our team. Her name is Hilde. She still is in Europe. She will be responsible for our German speaking members, she is also working on a translation for German speaking members. Normally I could have done it, but I have a lot of other work and I am not always in the office. The diamond trades, the final sell, export papers, planning new trades. All this can not be done from my office chair. She is a fulltime employee, but as I said just for German speaking members.
I almost fixed the problems with our phone lines. You remember some countries were not able to reach us. Until this issue is 100% fixed and also after you can also contact us using skype (call and chat). Visit our Contact us page for our Skype details.
The changes for new investors are final. The PrivateDiamondClub will stop the daily plan for new investors tomorrow, the 22th of May.
But a new plan will be introduced.
For old members who invested in the daily plan already, all will remain the same.
Are you tired of exchange service? You can invest or withdraw via Western Union starting from next week. Even existing investors can withdraw direct via Western Union. More in my next news update.
I thank all PrivateDiamondClub members and followers and welcome our new employee to the PrivateDiamondClub team! I am back soon.
Your Lars von Oldberg
For all news check our site:
public.private-diamond-club.net/media.htm”.

Ok, it’s finally happened! StaunchFinances (reviewed here) is officially one month old now. The admin of the program Brent (interviewed here) reached this milestone by keeping his program strong and maintaining steady growth with currently the two plans that you’re invited to join at the same time: 120% after 6 days and 2.5% for 56 plans. I like this open discussion in the latest newsletter from Brent and it seems we share many opinions regarding the HYIP industry and the very sad state of things currently with the business over-run with Hit-n-Runners and dishonest admins. Fortunately with such programs like StaunchFinances we still have a chance of a fair game for everybody. I think if there were only more programs like StaunchFinances we would all win: the admin can profit from their own share and the investors could have a fair chance to take a profit from their investment. I wonder when it will happen though as for now the industry is full of short-term scams. Hopefully soon things will turn around and I really hope that StaunchFinances will last for a long time and will finally occupy the #1 spot on MNO which the admin is targeting now. The ambitions of Brent to make his program the biggest HYIP on the market is obvious enough to me but if this goal will be achieved will depend mostly on the members’ support. I know it’s kinda trivial but the admin of StaunchFinances doesn’t offer you bonuses or encourage you to re-deposit all your money into the program. Rather he offers you to get creative and help spread the word about the program which will make it last longer and that is what will actually benefit everyone involved. Happy anniversary, Brent, and long life to StaunchFinances! Here is the full newsletter:
“Dear members,
ONE-MONTH OLD!! Yes, our program is one-month old today!! Thanks to all of you, we are not slowing down and we are definitely on our way to becoming the *Number 1 HYIP* right now. I’ve a few things to talk about and I hope you take the time to read this newsletter entirely. Don’t worry I’ll try not to make it boring.
First of, I would like to mention the current state of our industry right now. If you’ve been doing this for quite sometime and have been a member of a few sites besides SF, then you’ll know that it is really saddening how a lot of you lost money to many of this quick, fly-by-night sites. They open up, lure a lot of people with their high-ROI offering and nice designs, then close up shop after one or two rounds. I know that a lot of you go play the game knowing the risks, but I don’t think ‘losing’ to the game is part of your plan.
Then you have admins like Kevan (Hydro Funds) who we know can run a perfectly honest program yet many failed to see that and preferred to hit-and-run (HnR) the program. I am not a member of his program but I know his attitude towards this arena and I know that he would’ve tried his best to give you all a fair chance had he gotten better member support. I was actually reading his thread on MMG and I saw a lot of support, except for a few bad apples, so his program could’ve lasted much, much longer.
What do you say we change this attitude? We can’t be *numero uno* if some of you have that attitude here. What do you say if you actually supported our site by referring other people, posting your payment proofs at our different forum threads and creating a *community atmosphere* at the same time? How about joining our contests and prove to everyone you are the *best* at something? Doing all or any of these will give this industry a new life as they’ll have a place to go to now, and they’ll know that this program and their investments are SAFE. I challenge you to make the change!
Anyway, onto some cheerful news! Today we start our contest ‘STAUNCH’S BEST OF THE BEST!’. The rules are simple: BE THE BEST AT SOMETHING! No more, no less.
Some categories I’ve thought of are:
– BEST INDEPENDENT BLOG WRITE-UP/REVIEW
– BEST VIDEO EXPLAINING STAUNCH FINANCES (YOUTUBE OR FACEBOOK VIDEO)
– BEST STAUNCH FACEBOOK PROFILE
– BEST PROMOTER
– BEST FORUM POSTER
– MOST ACTIVE HELPER AT THE FORUMS
But there could be more as we go. And this will last for two weeks.
A total of $1000 cash prizes are to be divided among the winners! You can submit your applications at staunchfinances@gmail.com and put in the subject ‘CONTEST APPLICATION’ and put the relevant links in the body of your message.
FOUR (4) RANDOM DEPOSITS TODAY WILL ALSO WIN $25 EACH!
We currently have 915 members! Now onto the thousandth member!
We have been receiving a lot of rebate-to-wallet transfer requests, we know that this saves time and payment processor fees for both parties. Know that we have NO plans on implementing this feature in the script but you are welcome to request the transfer instantly via LiveChat or via the support email (include all pertinent information like your username and amount to transfer).
We are currently rank #4 on Money-news-Online blog! That’s an amazing feat considering we are only a month old. Let’s work on becoming #1 shall we? That’s the ONE AND ONLY TARGET that I, and all of you should, have.
What else? Hmmmm……. I guess that’s it! Congratulations to all of you for the 1st month anniversary of our program! But why stop there right? The potential now is endless since clearly there is not one big program the likes of GNI, Pana, PTV in the current market. So why not shoot the stars and make it StaunchFinances!
Thank you and hope you all have a great weekend ahead!
Brent”.

Another experienced and professional admin Roger from RogerVille (interviewed here) announced his decision to increase the maximum one can deposit into his program from $1,000 to the $1,250 amount. So now you can deposit more in the only plan offered by him: 144% after 12 days. The program is going good so far and possibly Roger’s decision to stay with LibertyReserve and PerfectMoney only will allow the program to last longer. Of course, after your payment is processed don’t forget to support RogerVille by voting on forums and monitors. To find out more about RogerVille you can read my review published here. This is the latest news from Roger:
“How are you doing? I hope everyone is doing fine with RogerVille and everyone is enjoying their day. This email was sent to inform everyone that I am raising the maximum active deposit to $1,250. This is after much thinking and requests from many members.
This means that you can now make additional $250 active deposit on top of your active total deposits if you have maxed out at $1,000 (previous max active deposit) .
Remember to vote on the monitors using MaxiVote link http://maxivote.com/button/http://rogerville.com
And please visit the forums:
http://www.moneymakergroup.com/Rogerville-Rogervillec-t346664.html
http://www.dreamteammoney.com/index.php?showtopic=97911
http://www.talkgold.com/forum/r291523-.html
Regards, Roger”.

WestFinance is officially done today, guys, after some stalling tactics that continued for weeks and selective payouts. The communication with the admin of WestFinance and his inability to explain the issues many members experienced in his program including delayed payouts and blocked accounts made me put WestFinance to Waiting status several times. Even for the last days I received some messages from MNO members stating they were paid from the program and asking me why they were on Problem status in MNO. Well, I simply can’t tolerate the unwillingness of the admin to communicate with me and the total nonsense regarding trading and other stuff he’s spreading on his site as if nothing happened. So it’s really laughable for me to read his recent update officially announcing WestFinance‘s closure which the admin called “filing for bankruptcy”. The last statement is simply ridiculous because their claims about being a real company while obtaining a cheap UK certificate which doesn’t mean anything and which I proved in my investigation published here. According to the admin of the program the refunds will be issued only to the members who received less than 35% of their deposit. I don’t know why he’s playing his games anymore after the AlertPay interference forced the program to close completely despite being on the verge of collapse for a long time before that anyway. I can’t say for sure but one possibility is the admin planning a comeback or a private program soon. So don’t be naïve and don’t listen to these stories about trading being disrupted by volcanic ash in Spain even if he makes it sound kinda believable. Anyway, just wanted to let you know my take it. But at least, it’s official now and WestFinance is done. Here is the farewell newsletter:
“IMPORTANT NEWS:
WestFinance is not going to be able to maintain viability for any extended length of time. Simply put, WestFinance has ceased to pay Dividends and is now filing for bankruptcy. A number of reasons have led to the company’s financial collapse:
In March 2010, The sudden imposition from AlertPay, of a 10% freezing rule on all incoming deposits, retroactively imposed, which in effect blocked $53,800 of clients’ direct investments in our AlertPay account, has drastically reduced room for maneuver to apply our aggressive trading strategy.
As a consequence, forex trading operations yielded much lower profits than expected for the last 7 weeks. Although we had kept honoring our fixed dividend rate engagement having forecasted better results, this simply didn’t occur. Alas, we had been too optimistic.
The forced block of our in-house traders in Spain due to the volcanic ash cloud has caused a fatal blow to our financial operations. Their planned return having been further delayed, Management has had no choice than to hand our trading accounts to external traders, only now known to be unaccomplished. Poor judgment from those inept traders on the EURO v/s USD strength prospect, coupled with huge movements in the currency market yielded in disaster trading with massive losses for the last 10 days.
Fortunately all is NOT lost.
We had set aside a reserve fund to alleviate losses on such tragic outcome. So there will be a Refund Process which has already begun applicable to clients matching the following Criteria:
As we aim to make the process fair and equitable for all members, ONLY clients who have not recouped 35% of their NET capital are ELIGIBLE to claim for Refunds. (NET capital means total direct Deposits excluding referrals and bonuses). If you have already withdrawn at least 35% of your NET Capital, then you are not eligible for refunds. This harsh decision is vital for sake of fairness towards all members.
Out of the remaining $120,800 reserve fund currently accounted for, based on our calculations, we estimate to be able to refund around 10% of Net Capital in the short term.
The remaining 25% will be paid out during the liquidation process of WestFinance’s guaranteed premium on its portfolio to be indemnified by our insurance firm. So, All eligible clients can expect to receive around 35% of NET capital.
Due to large membership base, refunds will be made in multiple batches, spreading over a few weeks, starting from oldest registered clients having recouped the least amount of Net capital.
We ask members to be patient and NOT to send out emails which will only slow down the refund workflow. The refund process has already begun and each eligible Member will receive an email stating the calculations of the exact amount to be refunded, number of payment and date to be effected.
Members may only then reply back to give their approval or contest the figures with appropriate arguments/solutions.
NOTE: We will not tolerate any pressure in the form of harassment or menace messages and will put clients doing so at the bottom in the refund list. It will serve to No positive effect.
It is with an extreme heavy heart that we have had to end this journey.
Further updates and announcements will be made in due course.
Regards, Rob Sheffer”.

Unfortunately this pattern of fast scams continues as today I have to move two more programs to Problem status on MNO. Cizaro proved to be a scam by paying selectively and I received a few complaints today. Seemingly the admin decided to pay on expiry only to monitors and there are many dissatisfied investors now. He even had front to send me an interview for publishing today but I warned him that it’s not going to be published until all the issues are solved. So far no reply received! Please do not invest into Cizaro scam anymore!
The second program that stopped paying yesterday is SMRTrade that simply switched off all instant withdrawals and disappeared. Anyway, no reply was received from the admin of SMRTrade so his intentions are clear now.
Moreover, I’m currently waiting for a reply from the admin of BetExpekt regarding some pending withdrawals and I just wished to know if any of the members are experiencing the same. If I don’t see a reply by tomorrow BetExpekt will be moved to Problem status as well. So just be aware of that and be more careful!

As you can see the industry is becoming more dangerous for the investors and apart from several good programs there is really not much going on. But I’m optimistic by nature and feel that everything will be back to normal eventually. Please try to play all the HYIP games at a low key now and wait for some better times that will definitely come, I’m sure of that!

Among the several programs that are still paying and from which I have been paid today include:
TopEarnClub, NanoVenture, PrivateDiamondClub, FruitInvest, OnyxInvClub, TrueEarn, CurrencyServices, ForexNetClub, GroupUniversal, TrumpForexClub, IncoForex, AtoxFinance, StaunchFinances, AvaInvestment, RogerVille, DubaiFinances, YesInvestment, GoldenInvestment and EzProfit.

That’s all the news for today, guys! I hope to see you all on my blog tomorrow with a review of TrumpForexClub and more news from the industry. Stay tuned and see you tomorrow!