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

Hi everyone! Hope you’re all looking forward to the weekend again as I am. Overall I’d have to say it wasn’t a bad week in the HYIP industry and while I would stop short of saying the recovery is under way (we’re a long way short of that!) there’s still been some positive signs and there’s a number of promising new programs appearing. Mostly they’ve been long term but one very interesting new program to come my way this week is called Disalina, which combines short, medium, and long term plans together.

There’s nothing really unique about that you may think, and you’d be right. Online HYI programs have tried all sorts of combinations in the past and some have been successful. The difference with Disalina however is that the length of your investment term is determined by how much you invest, ie the more you spend the longer your principal gets locked away for. Of course it also means the more you get paid. If you want to make short term investments then you can only do so with smaller amounts of cash. More substantial investments will only be accepted for longer terms. If it sounds a little confusing at first don’t worry, I’ll try to run through all the options for you in detail below. But if nothing else then this policy will at least reduce the impact of hit-and-runners significantly. Another thing I want to point out before we get to the plans is that compounding is allowed and you will be asked to set a rate upon depositing.

There are six plans in total and the first of them runs for 15 business days (3 weeks). The minimum investment is $10, pretty much the industry standard by now, and the maximum is $500. Over the course of your investment you will be paid a daily rate of interest on business days only. That rate is 1.3% which adds up to 19.5% profit on maturity when your principal is then returned. In other words invest $100 and get a total of $119.50 back for it.

But if that’s not enough for you and you want something more rewarding then Disalina‘s second plan is open to deposits ranging from $501 to $1000. It runs for 20 business days (4 weeks) and pays a daily interest rate of 1.5% from Monday to Friday. That adds up to a total profit of 30% when your initial deposit is returned.

The third plan runs for 30 business days (6 weeks) and is open only to deposits from a $1001 minimum to a $3000 maximum. The daily rate of interest is 1.7% made five days per week and on expiry will land you a total profit of 51% when your principal gets returned.

For the bigger spenders prepared to risk something between $3001 and $10,000 the Disalina offer a 60 business day (12 weeks) plan. The interest rate goes up to 1.9% per business day this time which will add up to a fairly hefty profit of 114% by the time it matures. As with the other plans your principal is then returned.

The last two plans are to be honest a bit far out of the financial reach of most of the online investors that I know. And even if you can afford it I still wouldn’t advise it, put purely for information purposes I’ll give you the details briefly anyway. Deposits between $10,001 and $20,000 are held for a period of 90 business days (18 weeks) and earn 2.1% interest per day. Larger deposits than that again up to the maximum allowed $30,000 are kept for 120 business days (24 weeks) and earn 2.3% interest per day. Principals are returned on expiry in both cases.

The choice of payment processors isn’t great and limited to just LibertyReserve and PerfectMoney. Don’t get me wrong, I’ve said it a million times that there’s nothing wrong with either of them and they can be very flexible and convenient options for a great many investors. Just don’t expect much action on their part should you ever lose money when any HYI program collapses. Personally I have always felt that more payment options will only throw your program open to far more potential investors, but it’s up to the admin to decide on that. One thing the admin has done however that will more than compensate for the lack of choice in many investors opinion is the use of instant payouts. Always a popular move, this should bring a couple of extra investors to Disalina that may otherwise not have noticed them. Minimum withdrawal is $1.

What’s much much better about Disalina is the design. It’s very professional and clearly the result of some serious planning and hard work. What I can’t be so sure about though is the hosting. One of the very best hosting providers in the business today is indisputably Dragonara whose programs rarely suffer any serious downtime issues, and that is where Disalina claim to be hosted. I was unable to confirm this (which does not mean I’m saying it’s not true) but I do know that they are not hosted on a dedicated server. We all know what DDoS attacks can do to a program and all it takes is one jealous competitor to start one, so I would have to urge the admin deal with this immediately. The top firms like Dragonara and BlockDos aren’t cheap but you get what you pay for which is an excellent service where downtime if it ever happens at all is negligible. In the long run it will only save him money.

The script is also quite good. It’s a unique and custom made design (as most of the top programs seem to go for) but is also remarkably simple and easy to use. And for those of you more adept at promotions there’s also some eye-catching flash banners ready for immediate promotion. And speaking of promotion Disalina also have some job openings for local representatives. So if you think you know how the HYIP industry works and would like to supplement the money you make from Disalina (I believe these positions are only open to members but please correct me if I’m wrong) then you should contact the admin. You can either e-mail him for details of what’s expected of you and how much you can earn, or else you can telephone him as his number is on the website. Just remember that his published address is Belize, (though I think the dialing code is Guatemala) so remember the time difference. Calling him at 3AM may severely affect your chances of getting hired, lol!

If you have any questions or comments for the admin then you can get in touch either by e-mailing him directly at the address provided, submitting a support ticket on the form you’ll find on the contacts page, or through the Live Chat feature (which doesn’t publish a timetable for when they are online). Disalina also has a postal address in Belize, though it’s just a PO box number and doesn’t contain a postal (zip) code so you’d be unlikely to find anyone should you ever decide to visit. And as I already mentioned there is also a telephone number.

Like most of the successful online HYIPs the texts being used by Disalina are all original. They mostly relate to the program’s line of business which we are told is ForEx trading. Make what you will from it all as they do make quite a compelling case, but without a great deal in the way of proof. That being said, online HYIPs are like it or not mostly a form of gambling in my own humble opinion. So while I personally don’t put much stock in the financial claims of any HYIP you are free to research the matter for yourself to your heart’s content. If you find anything interesting then it won’t make all that much of a difference. Legitimate businesses fail all the time just like online HYIPs, so sorry to sit on the fence but the possibility is there to both win and lose money. It just falls to you to assess the risk and invest according to what you think it’s worth. Longer term programs seem to be enjoying something of a revival at the moment and this one does look promising. But I strongly suggest your investment here is only part of a larger more diverse portfolio and kept at a responsible and affordable level.

OTHER NEWS FOR TODAY.

The first and the most important update came today from the program that is going to be reviewed on my blog tomorrow – GoldCollarInvest. The program is offering three different plans paying from 8% to 12% weekly forever with the possibility to withdraw your principal after the lock-in period of 30 days. The plans are not as simple as you think and they will be explained in detail in the review. However, in today’s newsletter the admin of GoldCollarInvest Bruce already made an effort to explain the plans in as simple terms as possible. So if you are eager to find out more about that please refer to the first official newsletter which was sent today to the members:
“Hello Folks,
This is Bruce from GoldCollarInvest. Our first day at work has been rather smooth and the amazing quarter final matches did boost the adrenalin. Hope you all enjoyed the nail-biting matches as much as we did. Days like these are a real treat to football fans and with plenty of action coming up in the following days; it is going to be a fantastic week ahead.
We have been working on this business model for about a year and now we can finally sigh in relief with the launch of GCI. So you see this is not an idea that grew over night. GoldCollarInvest.com was our first registered name but for some reasons we had to use GoldCollarInvest.net as our first choice. However, GCI is available in separate dedicated servers with 4 different URLs.
GoldCollarInvest.net, GoldCollarInvest.com, GoldCollarInvest.org, GoldCollarInvest.biz.
We also figured that some of you feel that our plans look complex but they really are simple and straightforward.
The unique quality in our plans is that they pay both daily and weekly profits. The daily profits range between 1% – 1.4% per day during each weekday. The weekly profits of between 3% – 5% per week are paid either on Saturdays or Sundays each week. That brings a total of 8% – 12% per week, depending on the plans.
For instance, if you invest in the Starter Pool on Friday, you will receive 3% profit starting on the weekend and 1% from Monday until Friday. This will repeat itself every week.
This business model will continue until we complete the first Phase of 1000 members at GCI. We look forward to many phases to come with numerous business models.
We are on Facebook and Twitter so it would be a good idea to follow us for news and updates.
The first day payouts for GCI has been completed and you can look forward to the weekend profit between Saturday and Sunday. You may check your earning info by entering your unique GCI Tracker ID through the Investment Tracker link.
Best Regards, Bruce”.

The admin of InWolton (reviewed here) assured the members today that he is going to run the program for three more years. Well, I would say it’s a pretty brave statement as from my experience I know only a handful of HYIPs that ran that long. It’s achievable of course but InWolton will have to take an extra effort even to survive during this low season in the HYIP business. It’s good to hear that the the admin is is at least aiming for such a long-term goal and I wish him success in that. I remind you that InWolton is paying variable daily returns for 15, 30 and 50 business days with the principal returned on expiry and instant payouts to your LR and PM accounts. The program is still too new to judge its potential but I hope it will meet my high expectations of it. Here is the latest from InWolton:
“Hello, partners. Today I want to tell you about very important issue. Many of you ask as the same question: “How long will you stay online?” And I want to tell everybody, that our aim is to become the most popular program of the next 3 years. And we have concrete development and advertising plan”.

The World Cup is going on and so some admins are offering different contests to reward members who guess the right score of a match and simply make some contribution to promoting the program. The admin of FxCrudeOil though simply rewards some members of his program (including the free members with random cash bonuses). So together with some bonuses running for those members investing over $100 in the Industry Plan (read more about the plans in FxCrudeOil here) there are just free $2 random cash bonuses available as well. So you may want to register in FxCrudeOil even if only as a free member for a chance to win some cash prizes. Here is the last newsletter:
“Thank you to those new members who joined. All pay out has been completed.
During WC soccer fever we decided to start another exciting bonus offer along with current bonus.
We has been selected random members ID from http://www.random.org/ (members including free members.)
Bellow are the random selected 5 members account ID
134 52 213 95 44
and 2$ wallet bonus (increase During knockout stage) has been added in selected members account, congratulations all winners
=========================
Total members a/c available
Available: 329
=========================
Also running once in a lifetime BONUS OFFER!!
*********************************************************
Our Offer : Upgrade with min of $100 in Industry Plan (pays 12% weekly for 12 weeks = 360%) and get a bonus 20% of your upgrade, deposited in Transport Plan (which will earn you 150% ROI).
Limited Time: from now until the end of World Cup – 11 July 2010.
Thank you and enjoy weekend
FxCrudeOil Admin”.

I don’t know why I can’t access the site of KaizenPortfolio today. All day long I couldn’t access the site at all despite only yesterday there being no problems and I was paid my daily withdrawal request without any issues. So I suspect some technical issues and hope the program will return to its regular paying status soon. I have already contacted the admin and asked for an explanation. Of course I will keep you updated if I find something out about the reason for the downtime. Meanwhile let’s hope KaizenPortfolio will get back to normal soon. I will leave the program on Paying status on MNO monitoring for another 24 hours and will update its status to Waiting tomorrow if the site is still not back online.

A new program called FluxRates has been added to MNO monitoring today. FluxRates is based on a new original script I’m not familiar with and hosted on a DdoS-protected Koddos Staminus server with SSL-encryption installed. The program only accepts LibertyReserve and PerfectMoney into one of the following plans: variable daily returns from 5.5% to 6.5% daily for 20 days and a fixed daily return of 5.6% for 30 days. Please note that the principal will not be returned on expiry so your return is not so outrageously high but actually quite moderate which will definitely help FluxRates last longer. More about FluxRates will in the upcoming review so stay tuned for that!

Here is the list of the programs that paid me for the last 24 hours:
Disalina (the first payment received), InWolton, OnyxInvClub, FreshReturn, ReProFinance, CashMiner, BookmakerOffice, CherryShares, FundsOMatic, YesInvestment, GoldenInvestment, EzProfit, AvaInvestment, FxCrudeOil, RedOrchidInvest, SevenStarProfit, HOX, YamaFinance, Forexica and GoldCollarInvest (the first payment received).

This is it for today! Have a nice weekend and enjoy the next two world cup games tomorrow. But don’t forget to check out MNO tomorrow as well as I will have the review of GoldCollarInvest and more news from the industry!