08/06/2010. ExcellentChoice Review and Other News

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

Hi everyone! Before this evening’s news I want to take a look at one of the most recent additions to my monitoring page which is a short term HYI program called ExcellentChoice. And you should really take a look at it if for no other reason than it’s got one of the funniest images I’ve ever seen on an HYIP home page – an animated Benjamin Franklin winking and smiling at you from a $100 bill, lol!

The program only opened on Sunday so (and this is no slight on ExcellentChoice themselves) recent experience tells us that if you ever have any chance of making money from them then it’s going to be now. And it’s not really a difficult choice to make as ExcellentChoice only offer one investment plan.

The plan itself is a pretty simple one. The investment term runs for 9 days and you will only get paid on expiry. Although if you are promoting them then referral commissions are obviously available to collect every day. The interest paid on expiry will be 126% which includes your principal, regardless of the size of your initial deposit. Minimum investment is only $5 so remember you’re under no obligation to go throwing ridiculous amounts of cash around. Curiously the maximum investment is also relatively small (in HYIP terms) and is capped at $2,000. But I wouldn’t be at all surprised if this was raised should ExcellentChoice turn out to be a success. We’ll know more about that in a week however when the first payouts on expiry are due to be processed.

Your choice of payment processor is pretty good and does include a verified option in AlertPay. Others in use include GlobalDigitalPay, LibertyReserve, and PerfectMoney. The withdrawal process itself is manual and is explained pretty well on the FAQ page. Once your request has been submitted the admin asks you to allow him 24 hours to get it processed.

ExcellentChoice is hosted on a dedicated Staminus server with DdoSWiz protection and support and is using the latest script by Neversay where you should first fund your e-wallet an then make your investment using the money you put there. Contacting the admin is done through the ticket submission box on the contacts page, though they also have a postal address in Panama with a telephone number. Try it if you consider it important or have any questions. Personally I didn’t bother with this one as it’s a short term HYIP and when it goes nobody’s gonna be picking up the phone if you ring.

The other thing is that ExcellentChoice makes no claims whatsoever about being anything other than an online HYIP which makes me believe you won’t find them at the published address either. Having said that, the admin does appear to have some interesting theories as to why the industry is failing to recover from the crisis that started some months back with the closure of GNI. And he makes a couple of good points about how he intends to do things differently. Of course a couple of those factors are beyond his control no matter what his plans are (hit-and-runners for example) and a couple of other things are beyond ours (like the admin’s intentions). We’ll see what those are next week when the first payouts are due. Meanwhile all I know is that I’m sure I’d be a lot more enthusiastic about ExcellentChoice were it not for the difficult times the admin acknowledges that we are in right now. The risk is high, so if participating then do so with caution and spend modestly.

OTHER NEWS FOR TODAY.

It seems more and more programs are dropping StrictPay as a payment option (today was the turn of PrivateDiamondClub who dropped them due to their inability to withdraw funds anymore). I myself chatted with SP live support today hoping to find out something new. Unfortunately the support person on the other side was not able to give me any exact replies. She just advised to wait for another newsletter from the StrictPay administration which is long overdue now in my opinion as the last one was sent almost two weeks ago. Anyway, despite some encouraging comments from some bloggers I remain quite skeptical regarding the prognosis. Even if they finally pull through it will take them months to get back on track and become as popular a depositing option as AlertPay or SolidTrustPay (the latter by the way also has some temporary banking issues this week which led to unforeseen delays with bank withdrawals). My advice to all who have a huge stockpile of StrictPay to invest in some reliable programs that still accepts it and wait till the good times return. Surely it is suicidal to buy any StrictPay or fund your account now even when some exchangers offer you 0% fee for that. Well, in that case I’m ready to pay you 10% more in StrictPay if you help me with exchanging to any other popular e-currency, so if you’re a fan of StrictPay that is your chance to grab some.

Anyway, back to business. Dropping StrictPay was only a small part of the recent newsletter sent to the members of PrivateDiamondClub today. Since now you can also invest directly in any of the investment plans offered without even registering for an account. However, I don’t see the point of that as if you have an opportunity to sign up and look at all your stats there. But if you don’t have enough time to monitor your investments that might be a good chance for you to invest in any of the plans on offer by PrivateDiamondClub at the moment (3.5% for 40 business days, 5.5% for 12-24 weeks or 26% for 6-12 months). Other news from the program was the diversification of their investment portfolio which now includes trading tin. Well, you might well be aware that I’m usually quite skeptical regarding such statements unless it’s proven (which never happened to me with HYIPs before). At least PrivateDiamondClub tries to be more believable which will hopefully bring them more new investors which they are probably struggling to get now. Otherwise what was the point of Lars requesting some interview questions from me after being monitored for two and a half months. Anyway, I guess the interview will be useful for existing investors as PrivateDiamondClub (reviewed here) is definitely one of the most innovative programs I’ve seen recently in terms of organization of their work and their desire to look legitimate might be a good point to attract some investors’ attention during this slow summer season. I’ll be sending the interview questions for them later tonight so stay tuned that on MNO soon. Here is the newsletter in full:
“Today, is the 8th of June. I am Lars. For those who do not know me, I am the head behind the PrivateDiamondClub. From the beginning I worked with Mrs. Natasha A.M. who is our Financial Director and soon holding 49% of the company. Together we decided to stop accepting StrictPay for now. I am not an expert but we need to withdraw money from our online account to our Bank account. If it stays on the online account we can not trade with the money. Very simple. The PrivateDiamondClub deals mostly in cash, Bank Wires are rare but some trusted long time rough diamond buyers transfer the money. But no buyer, miner or partner of our head of trading is accepting StrictPay… Anyway our Financial Director made the decision to stop accepting Strict Pay because we are waiting more than 3 weeks now for our last request. Our investors who invested with SP have nothing to worry. We still can fund our SP account and can make payments. I have 11 SP investors with deposits of over US$3000. If you face the same problems please contact us and we find a better payment option.
For our investors who do not like to become a member we offer a direct investment option so you just sit back and relax after your deposit even when we have a problem with our site, our account management team will manage everything and all payments are made automatically daily or weekly. We sent you the profits directly to the account from where the deposit has been made from. We do not offer direct investments in our monthly plan. Just check our FAQ page and you will find our new direct investment option.
To invest direct visit: public.pdc-ltd.com/directinvest.htm in our FAQ Area!
You want to get to know our team better? Just check our contact page in 1-2 days were we introduce ourselves.
Our main news comes now. A new trading journey is starting next week. And we have a 2 new trading licenses for the DRC. Why two? We start to invest tin. Our head of trading went on a test trade together with a middlemen who we met in London some time ago. The amount we invested was US$18,000. Without any long process we sold some tones of the rocks in Uganda and made a ultimately fetch. We sold the product for 4 times the price we invested. We still need to legalize and finalize all paperwork. We know the global electronics industry has made tin a hot commodity and we are almost closing a deal to own 39% of a local mine. The business is different from our diamond trading business, containers or Russian Planes are used for the export of the rocks because Tin is sold in tons, not in carats. But the next journey is a “normal diamond trade”. For the first time a investor plans to join our head of trading and his team.
Defensive investing is still the name of most investors, but it’s also good to look at the prospects of the medium to longer term. As interest rates plateau, just what are the best options?
One thing’s certain: being a futurist is more important than looking in history’s rear view mirror when it comes to investment performance.
For some we are considered a boring investment and the after the domain of the PrivateDiamondClub changed some online members wrote articles and thought we retired. But no. After a few weeks of hectic activity we will soon launch our new brand platform based on our old offline managed account concept for direct investments starting from US$ 5000. We started already to accept Bank Wires and Western Union for members.
Finding winners in the online investment market and choosing the right investment platform is not easy. But with the PrivateDiamondClub you hit your sweet spot. Exactly what does the PrivateDiamondClub does to – and where we invest your money? All you need to know you can find here and if you have questions, ask our Live Chat, E Mail us or ask us for our contracts and forms…
Members can login on our new domain: www.pdc-ltd.com/?a=login
That is it for the moment. I will update you soon and thank all PrivateDiamondClub members who trust in our club and understand the difference between us and those hidden traps in highly promoted high yielding companies!
Best wishes. Lars von Oldberg”.

Sometimes I’m quite amused by some HYIP admins who demonstrate a remarkable ability to lie. So the next incident happened with the admin of LoyalIncome which was a total failure and collapsed even before the first payments on expiry were processed. I wonder if that is really possible to achieve, lol. Perhaps you should be really greedy to do that. Just two days after announcing LoyalIncome a scam on MNO the admin came back with the following update which was hilarious by the way:
“I’m sorry to announce this, but LoyalIncome will be closed till future notice. Looks like it’s a bad time for HYIPs because new members don’t join our program as fast as I expected.
New deposits will be closed won’t be accepted. All pending withdraws will be paid in period of a week and all active deposits will be paid fully (investments+profit).
Program will be online till all withdraws are paid out!
After few weeks I’ll be back with new program and better ideas. Cheers!
Note for monitors! I would be grateful if you put LoyalIncome on HOLD!”
All I can say is W-O-W! Thanks for your information, dear admin, and thanks for disabling the deposits after promising to pay and begging not to move the program to Problem status on MNO. Maybe with other monitors that trick would work but not with MNO. It’s really easy to blame bad timing for HYIPs when you didn’t make any effort and scammed everybody out of the money they entrusted to you. Well, and after all those lies he still expects that investors would believe in his good intentions and allow him to scam them again. MNO for instance will not accept his new program under any circumstances if he is going to start it under its current name which I doubt will happen anyway. Those who still believe in the admin’s good intentions to return them their original principal + profit in a week are welcome to do that and wait though I doubt it will happen. Probably the refunds will only be paid for those using StrictPay as it has absolutely no real value at the moment.

One more confirmed scam now is RichWorld whose admin disabled their ShoutBox today which made me think about the possible selective payouts (as I was paid promptly from the program anyway). Well, I was right as there was some bad votes submitted on major forums and MNO thread as well. Writing to the admin of RichWorld didn’t yield any results as I didn’t get any reply. Well, RichWorld lasted for 12 days which was not such a bad result as that was four three-day cycles. Anyway, those who joined it at the start should have made a nice profit. Those who lost shouldn’t be mad at me as RichWorld was presented as a short-term game which it literally was. I just wish the admin could avoid selective payouts in the end and announce its closure in a proper way. Anyway, it looks like I was again the first monitor to place them on Problem status even though I was paid properly. Please do not make any further deposits into RichWorld!

I don’t want to be the too cautious as it was not 24 hours yet but FinFex seems to be in trouble. According to some opinions on MNO Forum thread the admin of FinFex is preparing to scam soon as the first payments on expiry from 2% for 10 business days plan can’t be requested due to some script issues. Moreover, usually getting paid very fast after request I’m still waiting for my withdrawal request to be processed from FinFex today. I’m not sure if it’s a warning sign yet as the situation will be clearer for me tomorrow. Just please be safe and do not make deposits into FinFex until I get some clarification from the admin who seems to have abandoned his official forum thread on MNO which is kinda strange for me. FinFex will be moved to Problem status if the payments do not resume within the next 12 hours.

It looks like the issue with CherryShares which is monitored by MNO doesn’t calm down the scamming monitor of hyip.com. I was contacted by the admin of one brand-new program which is already added to my monitoring and is going to be reviewed tomorrow called ReProFinance. So sure he was blackmailed by hyip.com’s admin who actually demanded he ask me to remove his program from MNO listing due to his bad nature. Just read this email that the admin of ReProFinance received from hyip.com today to find out more:
“The problem isn’t with deposit, but that you ignored one of our simple listing rules and listed your website on money-news-online.com. The activity of this website is harmful to both, investors AND (especially recently) to program administrators. Your webmaster area has two big red buttons warning about this. See also news section where there is even more relevant information.
The only way this can be undone is if you request to remove your listing from MNO. I doubt the guy would do it, but if you are interested it might be worth a try. If that does happen though (removal of your program from MNO), I will do my best to assist you with future advertisements on hyip.com”.
So who’s being dishonest here? Is it MNO who threatens program admins? Or has no conscience at all by messing around with programs betraying their trust and moving to Problem status or downgrading their rating not based on any analysis or more importantly their performance but just because the guy advertises on MNO? I don’t know what it is: either bad will towards the outside world or jealousy of the ever-increasing rating of MNO recently (to which ironically he contributes!). Might be anything, guys, as I’m not psychiatrist. I think the more people who realize his self absorbed obsession with destroying MNO the better it will be for both HYIP admins who are tired of his betrayals and investors fed up with his nonsense. Enough said I guess and I hope you will make your investment decision tomorrow on ReProFinance based on all pros and cons and not the “advice” given to you by this crook. Where a program advertises has no bearing on how it performs, and I for one think MNO readers are smart enough to know that. But if anyone disagrees then feel free to blame hyip.com for the current problems with TopFinancial. Ridiculous, right? So stay tuned for my extensive review of ReProFinance tomorrow!

Another in the ever growing list of programs to suffer from Krusty the Klown’s temper tantrums is CherryShares, which is yet to be reviewed on MNO. It continues to pay fine and on time despite the best efforts of hyip.com. Well, I guess all his predictions are going to come true one day as no HYIP lasts forever. So far CherryShares really amazes me with their non-standard and innovative solutions they are applying to the program. Here for instance is what they had to say about the corporate access to the accounts recently (really interesting feature which I haven’t seen in any HYIP before):
“Dear Members and Investors,
We want to explain some things that are linked to our unique feature that we have – corporate access. Some of our users have submitted lots of questions asking for its use in their investments. The reason why we created this feature is simple – we know there are team of investors and each of them have equal rights to access the account and to see the statistics of it and balance. Using a password for corporate access (this password is different from your main password), your group can see the current balance of your account and account history. Your group can not perform any other operations. They can only watch. This is to protect your account from other risky things your team members can make, as you are never sure about what influence money can have on people.
For some it may seem a total waste of time, but we know that your group of investor will highly appreciate the fact that you allow them to see details of the investment; by doing this you will bring your team members closer to you and will raise the trust in the group. Don’t even try to think about disadvantages, as there are none!
How to enable it? Go to settings, check the box in front of Enable Corporate Access, enter a password for corporate then click Update. Tell the corporate password to your group and the sit back and enjoy the team work! If everyone is moving forward together, then success takes care of itself.
Best regards, Dominik Budlovsky. Supporting Team”.

Strangely I received all my pendings from Aballong today to my LibertyReserve account. So I wonder if the program that scammed many days ago is preparing a comeback? Anyway, no newsletter was received today and apparently the withdrawal option is still disabled when I tried to log into my account in Aballong. Anyway, even the effort that the admin is trying to pay her debts is highly appreciated and I will be back with more info on Aballong if I have something to report to you, guys.

The admin of VezGroup (reviewed here) promised to reply to my questions for the interview which I sent within the next 24 hours so probably I’ll even be able to publish it on my blog tomorrow. Today here is another short update from VezGroup which is paying 2.4% daily with no expiry:
“Dear Client;
Thanks for your continuous support and confidence in VezGroup.
This is to let you know that we have processed all payouts for today. We accept all Six payment processors (Solidtrustpay, Strictpay, Alertpay, Libertyreserve, Perfectmoney and Globaldigitalpay), Vez is managed by professionals and ran on a single payment plan of 2.4% Daily Forever.
Please continue to support us on the forums and with the use of your referral links, as we continue to look forward to a profitable relationship.
Thanks. VezGroup Team”.

Silly question but does anyone out there not know that the World Cup kicks off on Friday? So to celebrate the admin of DynFxTrade (interviewed here) has come up with some surprises for his members. First, it’s a 10% bonus which will be paid to all the free members who upgrade their account within the coming days. And then after the beginning of the world cup another contest will be announced. So stay tuned for the next announcements from DynFxTrade which has been paying 1% daily, 6% weekly and 25% monthly since February 2010 already. Here is the newsletter in its entirety:
“We have good news for you, sorry, not good news, but we have GREAT news for you, our loyal members of DynFxTrade!
World Cup is just days away. Excitement is everywhere. We are excited too! Are YOU?
Yes we have good news on 2 special promotions. Be sure to read through and take action!
SUMMER PROMOTION!
*****************
We are offering a very special 10% bonus upgrade to all free members who upgrade their account! The 10% bonus will be added to your deposit so not only you get the bonus, but you earn too from the bonus! Double rewards!!
This special promotion starts NOW and ends at the end of the World Cup!
Why World Cup? Its because by being an upgraded member, you will be eligible for our VERY SPECIAL World Cup Contest!
You can get more information below!
WORLD CUP SPECIAL CONTEST
*************************
We will run a special contest to coincide with the World Cup. We are excited about world cup and we guess we want to make something special to reward our members, especially those loyal upgraded members!
Our contest begins on 10 June! Only upgraded members are eligible to take part and win! We will send you more information on the contest i.e. how to take part and prizes. So watch out for our coming e-mails!
But do act now! Upgrade your account to get the special 10% bonus and also be eligible to take part in our World cup Special Contest!
We are here to reward you, not only with a good earning experience, but also, to celebrate the greatest sporting event on earth!!
Upgrade now! We are waiting to manually add the 10% bonus to your account. Also, its a good time to promote as we offer good referral commission of 3 levels, totalling 6%!!
Let’s celebrate World Cup in a very special DynFxTrade way!
You have received this mail because your are member of DynFxTrade
Thank you. DynFxTrade Team”.

Today one more promising medium-term low-ROI program has been added to MNO monitoring which reminded me of the highly successful Verifield that ran for over a year. I’m talking about InWolton which is going to be reviewed on MNO soon. InWolton only accepts LibertyReserve and PerfectMoney into one single plan offering variable returns for 30 business days after which you will get your principal back. It’s quite complicated how that plan works but I will try to describe it thoroughly in the upcoming review. I just wanted to tell you for now that InWolton has a very interesting original script where to make your deposit you should fund your account first and buy some shares costing $1 each. InWolton is hosted on a dedicated server on one of the industry leaders – Dragonara. The site looks really professional with lots of flash banners ready for advertising and even a professionally made flash presentation. It looks like the admin spent so much money on actually bringing the site online in the current form that they will definitely last for awhile. Provided that InWolton (just launched today I think) the first investors will be those who will benefit the most. A more detailed review will be brought to you on MNO soon. So stay tuned for that!

Here is the list of the programs that paid me today:
CherryShares, StaunchFinances, GoldWayMoney, HighYieldClub, PrimeMoney, BookmakerOffice, BukInvest, InvestiHeaven, Xcelsus, OnyxInvClub, VezGroup, PrivateDiamondClub, TopEarnClub, OilInvestment, FxCrudeOil, AvaInvestment, GoldenInvestment, EzProfit, XaresFunds, Forexica, TrumpForexClub, YesInvestment, KaizenPortfolio, BalanceFunds (the first payment received) and ReProFinance (the first payment received).

Tune in tomorrow for the review of a new low-ROI program ReProFinance and of course more news from the industry! See you then, guys!