BEWARE! THIS PROGRAM IS PAYING SELECTIVELY! PLEASE DON’T INVEST!

Hi guys! Well it’s been a pretty long day for MNO and a tiring one for me but I’m finally ready to wrap things up about now with my final update for you. You may remember I added one particular long term HYIP to my monitoring list late last week called GroupUniversal and that’s what I want to review for you tonight. I have to say I was a bit surprised at the amount of interest shown in this one already. Not because it’s a bad program or anything, (quite the opposite in fact, I think it’s pretty reasonable) but because long term programs generally aren’t getting the same enthusiasm that they used to. Who knows, maybe a corner is being turned with GroupUniversal? Early days yet but we’ll wait and see.

The plans are certainly sustainable. No big money cash bonanzas here, but slowly and surely profitable all the same. They are also counting your principal as part of the payments so that should help them out that little bit more. There are four plans in total and all of them run for 150 business days, which is 30 weeks. Three of the four are a bit on the pricey side for most readers here I’d say, but I’ll go through them all for you anyway.

The first one is called the Basic Plan and is open to deposits from a minimum of $10 to a maximum of $1000. Over the course of the 150 business day term GroupUniversal are offering you a daily payment of 1.8% interest per business day. Five payments made Monday through Friday means you’d collect a total of 9% per week, break even after 56 payment days (just over 11 weeks) and finish the term with a total return of 270%, principal included.

For the bigger players there’s the Standard Plan. It works pretty much the same as the last one except this time GroupUniversal is offering 1.9% interest per business day on amounts ranging from $1001 to a maximum of $5,000. That would bring in a combined payment adding up to 9.5% per week and see you break even after 53 payment days. It’s all profit from there on in and you finish the term with a total return of 285% on your deposit, which has been counted as part of the payments.

Serious players may take a look at the Enterprise Plan. $5,001 is the minimum deposit so it’s not to be taken lightly. The term remains 150 business days but the interest payments go up to 2% per business day. That will bring in 10% per week, have you break even after 50 payment days (10 weeks) and double your money with GroupUniversal on expiry. Maximum spend is $10,000.

And finally if you’re feeling brave, lucky, or just sick of having too much money GroupUniversal offers you the Premium Plan. At $10,001 to join you can just take this for information purposes. GroupUniversal offer you a payment of 2.2% per day for 150 business days. Principal included. If you’re interested the maximum deposit is $200,000.

Like I said, a bit pricey but then you all know what your own budgets are, and there’s an option here for everyone. What will undoubtedly be the most popular option by some distance – the basic plan – only costs $10 for example. And with payouts coming to less than 9% in a week I can think of several programs that offered similar plans in the past and ran very successfully for many many months. Will GroupUniversal be one of them? Well, time will tell but it doesn’t have to cost you a fortune to find out. Something else however that may encourage you to spend a bit more wisely is the fact that GroupUniversal only accepts LibertyReserve and PerfectMoney. Nothing wrong with either of them but you should all be aware by now of the level of enthusiasm they will show in the event of you losing your money. You may as well be talking to you cat. It’s early days yet, though if the admin wishes to increase the growth of his program in the future he should give some thought to expanding this list.

Other than that I just need to point out that payments need to be requested and can take up to 48 hours to process, and also that compounding is allowed.

GroupUniversal is hosted on a dedicated server by BlockDos, and every time I see their name mentioned I know it’s a sign of true quality. BlockDos aren’t the only good service provider out there but in my opinion they’re the kings. Expect little in the way of downtime for this program. GroupUniversal also runs off a script licensed from GoldCoders. SSL encryption is not in place, so the good work with the server is slightly undermined here. There are a variety of contact options available to you including three individual e-mail addresses, a support ticketing system, and Live Chat. Though that last one isn’t a 24 hour service.

A couple of other contact details are also offered including a telephone number in Australia. Unfortunately due to the time difference between it wasn’t convenient for me to verify this number today, but feel free to try it out for yourself if you need to ask them anything. The thing I was most curious (and amused!)about however was their postal address in Australia. Now theres a lot of daylight between me and them so obviously I can’t confirm it. So I Googled it. The first hit, and an exact match, was a rather exclusive restaurant! You know the ones, a menu with $40(!) for fried chicken and 1980 Dom Peringon that would easily set you back well over $300 a bottle, let’s hope the admin isn’t a regular customer there after work! No wonder he’ll accept deposits of $200,000 lol!

Just kidding, but correspondence addresses are easy enough to obtain, so don’t put too much importance on them actually being there or not. The business activities of GroupUniversal are, and typically for an online HYIP, a bit up in the air. But as the texts are copy/pasted directly from the website of a genuine financial stock trading corporation, we can assume that these claims are not true and GroupUniversal is another regular online HYIP.

But as HYIPs go it looks pretty sustainable. I’d prefer to see some verified payment processors and SSL encryption before getting any more excited myself, but a lot of people seem to be happy with the idea of sustainability. Just make sure to factor all of those things in when deciding how much to spend. So to conclude, GroupUniversal – not perfect but not bad either. Room for improvement but also definitely worth keeping an eye on.

OTHER NEWS FOR TODAY.

ChokoMoney is still doing well, the payments are still being processed on time and the admin Chris (interviewed here) is still pretty active and sending a few updates on a daily basis. ChokoMoney is 9 days online and has over 1,000 members with collective deposits of over $150K. All I can say is wow! Now the most vital thing will be constant promotion to attract new members, along with voting for the program and reinvestments from the current members. The admin emphasized about the importance of the support the members are showing to him and promised to do his best to make ChokoMoney last longer. Also the winner of the chocolate+money creativity contest has been announced and you will be able to see his masterpiece by following the link in the latest newsletter. I remind you that ChokoMoney is paying 135% after 7 days and you will be able to read more about the program if you refer to my review published here. The most interesting things from the latest updates are republished below:
“Dear members, I’m very excited to announce on the winner of ChokoMoney Creativity Contest! The winner is surfbandit, ID #131, I really like his presentation and you can view it here: http://surfbandit.jalbum.net/Chocolate-Money/
Congratulations to you surfbandit, you received $100 credited to your account as a prize! More unique contests to come in the future.
I want to take this opportunity to thank all the members who support ChokoMoney by posting their payment proofs on the forums, reinvesting and voting for ChokoMoney on the monitors. You have no idea how much I admire these members who know to identify the huge potential of such programs and reinvest immediately even bigger amounts after they get paid for their expired deposit. I hope that months of hard work will show you the difference between ChokoMoney and all the short term HYIP programs out there, and especially between my honest approach and dedication for ChokoMoney and other admins who simply have bad intentions and can’t even run their program properly not even for a cycle. If my goal is to make ChokoMoney the most profitable and long lasting short term program in 2010, and I have enormous support from members that gets stronger from day to day, then nothing can stop us from achieving this goal. And from my side, I am going to give you all my best to make this happen! I would once again like to say that ChokoMoney is NOT here for hit and runners or for members that see the great potential of the program and try to take advantage of that by requesting me to increase the maximum deposit amount. I am still receiving emails from members begging me to do it but sorry, I won’t increase it at least for a couple of months until ChokoMoney reaches the stage when it becomes self-sustainable and super strong.
I want to say something to these jealous admins that see ChokoMoney as a threat to their business and try to attack the website. Don’t even try to do this, because it’s simply a waste of your time! ChokoMoney was down in the past 15 minutes due to a heavy DDOS attack and HushHosting, as always, migrated the attack in a matter of seconds and now the site is fully working again. I would like to thank HushHosting for the fastest service ever. They are #1 in migrating attacks.
Regards, Chris”.

The admin of StarxInvest (reviewed here) which is growing pretty slow to say the least encouraged the free members to make their deposits within the next 24 hours in order to get some nice bonuses. I think this step can improve the position of StarxInvest and make it more popular among perspective investors. I remind you that StarxInvest pays 1.5%-2% daily forever and 12%-15% weekly with no expiration. Due to lower deposits in general in the HYIP industry the program might be growing in a slow and more sustainable way. Here is part of the latest newsletter from StarxInvest regarding the bonus:
“If you still are a free member, act now! Limited time only (24 hours) we are giving every member who upgrades with $30 or more you will qualify for an extra 15% bonus credited to your account. Along the way, giving back to our members and throwing out promos we hope to show the sincerity and that we care about our members.
Those that are already upgraded members, welcome and glad your aboard!
Best Regards, Tanner Michaels”.

It seems DollarTime (reviewed here) is also experiencing a lack of new deposits as the admin announced a 20% bonus today for each deposit made into any of the investment plans: 2% for 30 days and 20% for 4 weeks with the principal returned back on expiry. I remind you that DollarTime has been online for three weeks so we can only judge of the quality of the program of the program once the first principals are released. Before that no members are in profit so I doubt very much they will be attracted by this new offer which is probably targeting free members. Anyway, this is the latest newsletter from the admin of DollarTime:
“Hello members its Carl, hope everything is ok.
This day I want to tell you about the excellent results and growth we’ve had, so i have a surprise, but I will tell it later.
As of today we have 593 members, a total deposits of $ 32,173, the withdrawals have been $ 3,616 and we paid $ 1.542 in referral commissions.
I want to thank all members and welcome new ones, our program keep growing day by day.
Today I announce our new contest and let me tell you “its time for a dollar” and the truth i dont know for how long it will last because that is not in my hands.
Works as follows:
we will give a bonus of 20% for each deposit you make, but only have space for 15,000 dollars, so when we reach that limit the contest will end.
So from now until reaching the limit of $ 15,000 in deposits, receive a 20% bonus and you can immediately withdraw or deposit in plans.
I also invite you to visit rate us page in our website, and entering the forums to put your proof of payment and read the good comments about us from all our users.
Best Regards, Carl Stuart.”

Unfortunately I think MoneyPlus (reviewed here) is going to scam pretty soon. They are now asking for verification of the accounts of all the members willing to withdraw to LibertyReserve and PerfectMoney. Otherwise you can only request your payouts to AlertPay payment processor. It’s needless to say that the verification from such a liar (read the interview and the comments after it here to know what I’m talking about) will not do you any good but just lead to stealing your personal details and using them later in verifying accounts with payment processors and other criminal activities without you knowing. So just ignore their demands and simply agree to be paid via AlertPay if you have the opportunity. Obviously MoneyPlus don’t have enough off a balance in LR and PM to pay investors while they can’t withdraw from AlertPay and are trying to dump as much as possible before closing up shop. I saw the same tactics recently from EForexInvestment who also paid to everybody via AlertPay and then scammed less than a week afterwards. That’s why I’m afraid that MoneyPlus will share the same fate soon. I would not recommend to submit any documents for verification in this pending scam and of course do not invest in MoneyPlus at the moment. It’s slowly dying and now it’s just a matter of time before it collapses. One more thing: doesn’t it sound strange that the deposits made via LR and PM are perfectly ok but the withdrawals are disallowed without verification? Do they really think their members are so stupid to believe this nonsense? Here is the latest newsletter from MoneyPlus and after reading it I’m sure you will come to the same conclusion as I did:
“To respectable Clients;
We would like to inform you due to exceeding number of clients to above 10,000, in order to provide a secure Script for avoiding the issue of system hacking we need to enhance the system function. In case you are not willing to wait and require the fast payment, you can exchange your balance and make the payments through AlertPay E-currency. Please note that Alertpay, consider as a secure E-currency.
And regarding to anti money laundering withdrawals with Libertyreserve and Perfectmoney is banned and all withdrawal requests has been backed to members balance for unverified accounts.
It’s easy to lift these limits! you can verify your MoneyPlus account for additional security and to lift depositing and withdrawal limits.
We require one proof of address and one photo ID.
Make instant withdraw and unlimited daily payments with your Verified MoneyPlus account.
For more information you can call verification department officer Mr. Stephan +44 (0)20 3239 5845
Also for withdraw Libertyreserve and Perfectmoney balance you can exchange to Alertpay balance and make the payments through AlertPay.
– To do this you need to:
– Log into your MoneyPlus account.
– Access ‘Exchange’ area
– Choose the source e-currency balance
– Enter the amount you would like to Exchange.
– Select targer e-currency for exchange
– Press ‘Submit’ button.
We hope we can build a strong and long term business relation with you. In this regards you can enjoy our referral plan by suggesting us through your friends and family.
Please do not hesitate to contact us in case of uncertainty and question.
Regards. Customer care department officer”.

I have to move FinitInvest to Problem status on my blog tonight after waiting for over 48 hours for my pending withdrawals and submitting a support ticket to which I didn’t receive any reply. Well, I suppose FinitInvest came to its “Finit” or the end. It lasted for only 5 weeks and so became another fast scam in this difficult crisis period.

Apart from this failure other HYIPs are paying on time and I’ve been paid today from the following programs on my monitoring page:
OneStepMoney, EnergyMoneyFund, ChokoMoney, XoboFinance, EuroNanoInvest, AlphaMoney, ArbsTeam, TrueEarn, DynFxTrade, BritishFinanceGroup, StaunchFinances, NanoVenture, DollarTime, PrivateDiamondClub, RogerVille, Plents, YesInvestment, GoldenInvestment, EzProfit, YingYangInvestment, GoldenFount (the first payment received), MetalCommerce (the first payment received) and Cizaro (the first payment received).

That’s about it (finally!) for today guys. I’m back in Russia now for a visit to my family but rest assured it’s very much a “working vacation” as MNO will continue uninterrupted as usual. Starting tomorrow in fact as I will once again have more than one update for you in between all the news updates, so remember that MNO continues to be the most up to date source of news from any other source in the industry. So check back once and check back often! See you then, guys!