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

Hi everyone! Hope you’re all having a good weekend so far. It’s just as well that today is Sunday though and therefore an otherwise quiet day for news. Reason being that the program I want to look at today is a little different from what most HYI investors will be used to, so you might want to give it a bit more consideration. It’s called TrinalFunds and the basic concept behind it is for you to deposit into one plan and the admin to then split your deposit into three separate funds – one short, one medium, and one long term. All three funds remain under the umbrella of the one plan you joined under, but will bring in three distinct and separate income strains.

I can’t really let it pass without mentioning StaunchFinances here as the similarities are just too big to ignore. But I only do so to give a general idea of how the program works, so if you were a member there then you’ll probably guess where this is going. I think TrinalFunds is better though. It offers more variety and I think is a bit better planned and thought out. And of course the biggest problem with StaunchFinances was bad timing. It was a tough job trying to make a success of any new program when the industry was at an all time low so a marked advantage the TrinalFunds admin has on his side is that things are starting to pick up again. Not exactly booming either because Summer is always a bit slow at the best of times but there is a noticeable improvement so over the next six to eight weeks if the admin is as serious as I think he is then he could build up a healthy membership base entering Autumn. And that’s when the big payments will be due.

So what about the plans? Well, they may look a little tricky at first and to be honest it’s not so straight forward to describe them (best look at the TrinalFunds website yourself) but I’ll try to outline them for you here as best I can. They’re really not that difficult at all. Fairly simple in fact, but just a bit unorthodox. There’s three of them in total, labeled Plans A, B, and C. And when you pick one what happens is this – 33% of your deposit goes to a short term fund, 33% to a medium term fund, and 33% to a long term fund. The remaining 1% is then put into a lottery fund and awarded to one lucky winner every week drawn from the TrinalFunds active members. Before we get to the plans I just want to point out that when you join the first thing required of you is to put money into your account area. After you have done this you will then need to redirect your money into the plan (or plans) of your choice. In a fairly unusual step the minimum you are required to deposit in your account is $2, however just $1 is all that’s required to be moved to any of the three plans.

So let’s start with Plan A. By joining this one your deposit is divided as follows. One part goes to a fund that pays you 120% interest on expiry after 4 days, principal included. The second part goes to a fund that pays you 20% interest per week for 2 weeks, principal returned on expiry. The third part of your deposit is placed in a fund that pays 2.5% interest per day for 40 calendar days, principal returned on expiry.

If we take a practical example it all begins to make more sense. So let’s take a nice easy number, say $100, and pretend we are investing it in TrinalFunds first plan. What happens next? Well, $33 out of your hundred will earn you 120% interest after 4 days. Including your “principal” – in this case $33 and not $100 – this comes to a total of $39.60

Another $33 earns you 20% interest per week for 2 weeks. That comes to $6.60 per week. Once the initial $33 is returned that will come to a total of $46.20.

The remaining $33 then brings in 2.5% interest per day – in this case $0.82c – for 40 days adding up to $66 in total when your principal gets returned. The total return on your $100 investment therefore adds up to a grand total of $151.80. Not bad for 40 days and not all that risky considering you do get a sizable chunk of it back at a relatively early stage. And of course keep in mind the extra dollar that goes to the lottery fund so depending on how popular the program gets you might just be very lucky. At least you have the same chances as anyone else anyway.

Plan B has a couple of different options but works along more or less the same principal of dividing your deposit between three separate funds. The first of which pays you 130% on expiry after 5 days, a second fund that pays 18% interest per week for 5 weeks, and a third which pays 3% interest per day for 50 calendar days.

For a better explanation though I suppose we need another practical example. So we’ll pretend again that you are investing $100. This again gets split into three equal parts of $33 with the remaining dollar going to the lottery pool. The first $33 will bring in a sum of $42.90 including your principal after 5 days. The second $33 gets you $5.94 per week which adds up to $62.70 when your principal gets returned, and then the final section of your investment will earn you $0.99c per day adding up to $82.50 on return of your principal on expiry. The total return for your investment therefore comes to $188.10.

And finally we come to Plan C. This time your deposit is again divided into three equal sections but the payment schedule is as follows. One section gets you back a total of 140% (principal included) after 6 days, the next one gets you a return of 16% interest per week for 7 weeks, and the final section gets you 3.5% interest per day for 60 calendar days.

So let’s take a look at how all that would pan out in practical terms. A $100 investment here will get divided as follows. The first section brings in a total return of $46.20 after 6 days. The next part earns you $5.28 per week and combined with your principal getting returned will add up to $69.96. The final section should bring in a daily payment of $1.15 per day and add up to $102.30 with your principal on expiry. Add all of that together and the complete return on your initial $100 investment comes to $218.46.

There’s a pretty good selection of payment processors on offer here and the fact that all three plans are so affordable to join doesn’t hurt either and there are no maximum limits to what you can deposit in any plan. And as the minimum investment in all three plans is the same, there is no real greater risk in selecting one plan over the other. However if my own calculations are correct (feel free to make your own!) then you should break even a lot faster from Plan C than either of the others.

AlertPay is accepted for those insisting on verifiable accounts. Otherwise you can join through GlobalDigitalPay, LibertyReserve, and PerfectMoney. StrictPay is also taken though there is little real benefit in using them again until they start allowing their customers to withdraw their money. Joining one particular plan over the other doesn’t carry any more of a financial risk as the amounts you may invest with are the same for every plan. So you are most likely to break even faster from the third plan as payments are typically higher. Payments are made manually so will have to be requested. 24 hours is the time required by the admin to make sure everything gets processed. Minimum withdrawal is a dollar. By the way, SolidTrustPay is not currently accepted but the admin has not ruled out taking them at some point in the future.

The script being used by TrinalFunds is the best money can buy. Put together by Gotenks – a programmer of considerable international repute – they don’t come much better than this in terms of reliability and security. If it’s that good you’re probably wondering why you don’t see it more often, but the fact is it’s expensive. One of its many superb features for example is the flawless translation of the website into no less than seven different languages. If you don’t see many admins using it you see absolutely nobody complaining about it. In the years I’ve been running MNO I can honestly say I’ve never once been aware of any of the programs using a Gotenks script ever having a problem so I don’t expect TrinalFunds to be an exception. If you want the best then you need to pay for it and it’s nice to see that the TrinalFunds admin (his name is Yves by the way) isn’t afraid of this and is prepared to make an effort to establish his program as one of the best. The entire website is also protected with 256 bit SSL encryption.

The hosting provider is BlackLotus, also a dependable service provider, and they are keeping the TrinalFunds website on a dedicated server with their highest level of DDoS protection and support. So again Yves goes straight to the top. But overall it’s a very well planned, presented, and professional looking website and hopefully one that will attract the support it deserves. Any questions for the admin can be submitted by filling out the support form on the contacts page. My personal dealings with him so far indicate an efficient and focused admin serious about managing a good online program.

Business wise this is a fairly straight forward online HYIP related game and TrinalFunds makes no airs and graces about being involved in any of the usual activities claimed by the owners of such programs. One less thing for you to be concerned about in other words but do keep in mind that while things have improved in the industry of late they are by no means back to what they were six or seven months ago. Not yet anyway so do keep in mind that programs like this are always high risk ventures and you can lose money a lot easier than you can earn it. Something that definitely helps the case of TrinalFunds though is that they are aiming for the stability you may hope for from a good long term program but at the same time returning a relatively generous portion of your deposit at an early enough stage, thus protecting you (to a certain degree) from substantial losses if there’s a problem before your chosen plan fully expires. And the final profits being offered aren’t so outrageously high as to make them unachievable or unsustainable, so as long as the program gets the right amount of support (and that part is vital) then TrinalFunds could be worth an affordable few bucks as part of a wider more diverse portfolio. And who knows? You might even win an extra few buck in the lottery!

OTHER NEWS FOR TODAY.

Do you remember the situation with hyip.com and RedOrchidInvest when I mentioned the program’s status was suddenly changed from Problem to Paying? Hyip.com spent several months trying to destroy the program despite their good payment record. Then they just dropped them completely but days later it was miraculously promoted to #3 in Alex’s monitoring despite attacking them for five months. Well, it looks now to me that this was no crisis of conscience but rather plain and simple bribery. Once again a big bag of cash seems to have changed hands resulting in the restoration of the rating and the moving the program to #3 in his ratings.

Otherwise how can we explain that I received some complaints from a couple of my readers last night. They gave me access to their accounts to confirm that their withdrawals were cancelled a week ago and the support tickets submitted didn’t get any reply from the admin. I have already contacted the admin of RedOrchidInvest but haven’t received a reply yet. That’s why I have to move them to Problem status on MNO due to selective payouts which hopefully will be processed soon. But don’t you think that it’s more than just a coincidence that a program that has been previously listed as Problem for five whole months suddenly gets returned to hyip.com listing to such a high position the same week selective payouts begin? Well, knowing Alex I don’t think so and I will not be surprised if he keeps the program on Paying status for weeks despite the complaints as happened so many times in the past. Money means absolutely everything to some, replacing even dignity and responsibility. Fortunately MNO is not from such monitors and RedOrchidInvest will stay on Waiting status on my monitoring page until those MNO readers are paid promptly. Let’s see if that will happen anytime soon and I will keep you updated on my blog regarding the situation.

A second program that has been moved to Problem status on MNO today is FluxRates. The payouts for yesterday have not been processed so I emailed the admin asking for an explanation. I received a pretty short reply which didn’t really do much to clarify the situation for me:
“Payments will be completed soon. We will let you know.”
I haven’t seen any timeframe when the pendings are going to be paid nor was I given any reason for not completing the withdrawals. So I can only draw one conclusion – the admin of FluxRates is just trying to buy some time in order to collect more money to vanish into thin air afterwards. Well, MNO will not be assisting him in this and I have already issued the warning on my monitoring page about that program. Please do not make any further investments into FluxRates until payments resume!

I am happy to announce the results of my weekly poll that featured the question “What type of programs do you prefer?” Compared to previous weeks’ polls this one seems to have attracted more attention from investors as in total there were 124 votes submitted. The most popular option as chosen by 54% (67 votes) of readers was short-term programs. I believe the recent crisis in the HYIP industry made the low-ROI market pretty unstable with programs collapsing even before the completion of the first cycle. So it’s pretty much clear to me that long-term programs paying for over 45 days are not so popular just now with only 35% (44 votes). Still though the last couple of weeks showed us that some promising low-ROI programs have been launched but only time will tell if they will become as popular as last year’s hits like GNI and GeniusFunds. Medium-term programs offering plans with expiry from 15 to 45 days are in less favor and are preferred by only 10% (13 votes) of MNO readers. I guess thsi type of program has proved to be not very reliable with a huge percentage of them scamming pretty fast so no wonder that short- and long-term program are in more favor.

I would like to say thanks to everybody who participated in this week’s poll and hopefully you will find the next one which is running until next Sunday of interest enough to vote in. The question was suggested to me in my ShoutBox tonight as somebody asked me why I was so sure that the HYIP industry will recover by September when the summer vacation season is over. Personally I think this will happen but I would like to see your opinion and see how many optimists and pessimists we have now. So the question for the next poll is this: Do you believe the HYIP industry will be back to normal by autumn? I suggest four options which are as follows:
1)Yes, I believe it will be completely back to normal.
2)Yes, but possibly not to the same level we saw it at last year.
3)I’d like to believe this will happen but I tend to doubt it.
4)There is no way the industry can recover.
I am looking forward to see your replies to the poll to discuss it later next week on MNO blog.

By the way, I have just added another program to MNO listing. It’s called FutureTrails and it has been successfully running for quite a long time (since October 2009!) and currently occupies #6 in hyip.com ratings. So please watch out for FutureTrails to be the next Do Not Invest alert as the vindictive nature of this scamming monitor simply has no limits. Anyway, we will just simply ignore the scam warnings and get back to the program which in my opinion looks quite good. From the forums I can see that in late 2009 FutureTrails offered slightly different plans but since then it changed them to 2%-2.4% daily for 150 business days with the principal already included in the daily payouts. I would say that FutureTrails is already a proven program, however it’s still flying under the radar as I haven’t heard about it before. Anyway, what I like about it is the instant payouts to LibertyReserve, PerfectMoney and StrictPay and the domain registered for five years and the site protected by Dragonara which hosts it on a dedicated server. FutureTrails is running off a licensed GoldCoders script and SSL-encrypted which is also a huge plus to the security features especially needed for a program with instant payments. Anyway, such a program like FutureTrails with a long payment history definitely deserves some close inspection and thorough analysis that will be given to you all next week when the review of the program will be published on MNO. Stay tuned for that, guys!

Here is the list of programs featured on my monitoring page that paid me today:
FinalEarn, BookmakerOffice, OilStructure, YamaFinance, GoldCollarInvest, ReProFinance, WorldPrivateFunds, TrinalFunds, FundsOMatic, Biffalo, InWolton, AvaInvestment, YesInvestment, GoldenInvestment, EzProfit and CherryShares.

That’s about it for today guys! See you all again tomorrow!