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

Hi everyone! I’ve had a number of new additions to my monitoring page in the last few days, which makes sure I for one am going to be kept busy for the next couple of days. Especially tomorrow when I have a pretty lengthy train journey in front of me to Salzburg where I’ll be staying for the rest of the week.

The one I want to start with this evening is perhaps the most intriguing. Not because it’s all that unusual – the fact is the plans are pretty standard for the industry – but because it’s been listed on a number of monitors for the last 18 (!) months yet continues to fly under the radar. It’s called InternationalCommerce and it’s a long term low rate of interest HYI program.

I know I’ve said this before in previous reviews when this situation arises but there are two schools of thought on how to view the longevity of an online HYIP. Some people will tell you always to join at the start whilst others say it’s best to join only more established programs with proven track records. What side of the fence you fall into is your own choice. One of the more unusual sides to InternationalCommerce worth a brief mention though is that despite being covered by some of the leading online monitors for the last year and a half there was no discussion threads relating to them on the major forums until last May. The thing to remember in this case is that if the program wasn’t getting all that much attention until now, it doesn’t have to make it a good thing or a bad thing either way. I mean if nobody joins then nobody needs to get paid, so theoretically if there’s no cash flowing in or out then InternationalCommerce could well have run indefinitely.

But if the administration team behind it have decided it’s time to step things up a gear or two, then so much the better. InternationalCommerce seems to have the best of both worlds here – on one hand some good experience in the business and a well established (if somewhat unknown) name, while on the other hand they’re not some tired old program exhausted of ideas and without new investors wanting to know about them.

The program has three investment plans for your consideration, and typically for long term HYIPs they are both conservative and sustainable while being attractive and profitable all at the same time. Not all of them will be suitable for the budget of every investor but with a $15 minimum spend InternationalCommerce‘s first plan is affordable to most. It runs for 100 business days (20 weeks) and makes daily interest payments from Monday to Friday. The rate is 1.8% per day and does not return your principal on expiry. That adds up to 180% of your principal paid back, of which 80% is profit. Maximum investment is $5,000.

So what will that mean to investors? If you were to let’s say join with $100 you would earn $1.80 per business day, which is $9 per week, for 20 weeks. That means you break even after 56 payment days (just over 11 weeks) and can count every payment after that as profit. You should finish with a total return of $180, $80 of which is profit.

The remaining two plans are pretty much exclusively for the more serious players. Plan 2 for instance is only open for deposits of at least a $5,001 minimum. It also runs for 100 business days, but this time makes slightly more generous interest payments of 1.9% per day (Monday to Friday). It may not sound like much more that the previous plan but over the course of the investment term it does add up quite a significant sum. The weekly return for example comes to 9.5%. On expiry your principal is not returned which means you break even after 53 payment days and finish up with a total of 190% of your principal, 90% of it being profit. Maximum spend is $10,000.

For a $10,001 minimum investment with no published maximum you may then join InternationalCommerce‘s third and final plan. I doubt that includes many readers here but purely for information purposes the plan again runs for 100 business days, pays 2% interest per day (10% over the course of a week), and does not return your principal on expiry. This would effectively double your money in 20 weeks (you break even after ten) but as it’ll cost you 10K to find out if it’s true, I think it’s probably a moot point.

Payment options open to you if you are going to press ahead with a few bucks in InternationalCommerce include just LibertyReserve and PerfectMoney. The usual HYIP admin faves in other words. But what the selection lacks in choice it more than makes up for with the use of instant payments. Please note that the FAQ page does state that the admin still requires up to 24 hours to have everything processed, so I guess that’s most likely a good right to reserve in the event of any temporary technical or security difficulties. But for now payments are instant.

Something else that has undoubtedly made a massive contribution to the program’s long life is the fact that rather than return your principal on expiry, InternationalCommerce opts to count it as part of your daily payments instead. It may not appear to be the most popular move at first glance with some investors, but the fact is that it’s in the best long term interests of the program to keep it this way. The plans are still highly profitable but don’t have any massive drains on them every time a cycle is completed. This will help the program stay sustainable in the long run and help a much much larger proportion of its members earn a profit than with similar long term programs that do return the principal. But then with 18 months of successful experience behind them, I’m probably just stating the obvious now.

Dragonara remain one of the leading sources for secure hosting of online HYIPs, and that is where we find InternationalCommerce. They have them on a dedicated server. The website is running off a script licensed from GoldCoders and has an extra layer of SSL encryption for more secure browsing installed. If you have any questions about this or any other aspect of the program then you can contact the admin by filling out your details in the form provided on the contacts page. You may also put a tag on it to direct it towards the correct person to deal with your particular issue.

InternationalCommerce is a decent enough website, user friendly, easy to navigate, and as simple to follow as any shorter term HYIP would have been. The texts are not original however so I guess they share the same designer as a couple of other online programs. It makes it a bit more difficult for me to take any claims they make about their outside business activities too seriously, though having been online this long who am I to suggest there isn’t possibly some other source of income backing up the payments? Maybe it’s an offline source, maybe it’s online, but the money keeps appearing from somewhere.

And I guess I should also mention something else, because a lot of newer and younger online HYIP investors find it hard to believe me when I say this, especially now that we seem to be finally emerging from one of the worst crises to hit the industry for several years (if not ever). The thing is that I remember several programs that comfortably ran for three or four years without ever getting into trouble, simply because they were properly and responsibly managed as “proper businesses” (insofar as that’s possible in this industry) by professional admins whose only intention was not to scam but to generate as much money as possible for as many people (including themselves obviously).

Will InternationalCommerce become one of those programs? Well, I’ve become a lot more cynical in recent times but I sincerely hope so. They’ve managed to come this far in pretty good shape, even if they’re not a name on everybody’s lips. Not yet anyway, but if the admin is as good as I think he is and is serious about taking his program to the next level then that may change soon.

As usual keep it sensible, base your investments on your own level of experience, and no matter how much you like any program don’t forget to diversify.

DAILY NEWS FROM THE INDUSTRY.

First off, I would like to warn you about SyFunds. The program is already listed on Problem status on a couple of monitors (including GoldPoll) and I have not been paid for over 24 hours either and have two pending withdrawals which never happened before. Anyway, since the problem is obvious and clearly affecting other monitoring site I’m not going to contact the admin of SyFunds and will move it back to Paying status on MNO only when (if) the payouts resume.

On the positive side, I’m glad to report that FxTradingWorldwide paid all the pending withdrawals today which accumulated while the site was inaccessible for a couple of days and then for technical maintenance necessary to get it back to normal. The admin told me that he had to switch servers to achieve that and moved to LiquidWeb hosting provider where it’s currently hosted. There are still some occasional errors to be found from time to time but the most important thing is that the admin of the program is committed to paying everybody and continue his program despite the obstacles and that definitely deserves all our appreciation. In the next few days, after FxTradingWorldwide is back to a normal working regime I’m going to remind you about the changes in plans it underwent recently and even perhaps will change my review to reflect the new plans on offer (the original review of the program can be read here).

OilStructure definitely remains one of the hottest long-term HYIPs now paying from 2% to 2.4% daily for 300 calendar days and beyond (more about the unique plans on offer read in my review of the program published here). More and more people are enjoying stable profits now and it looks like the stable growth is well maintained and managed by a team of professional admins who tirelessly add new features to make OilStructure available to the largest possible audience around the globe. So starting from today a representative from Iran will be able to answer your questions regarding OilStructure in Arabic via email or phone during the working hours listed on the website. Arabic became the 12th language supported and hopefully there will be more and more to come which will assure a wider embracing from new markets of OilStructure and the necessary constant growth to sustain the payouts to current and future members alike.

I remind you that the new cash contest sponsored by WorldPrivateFunds (reviewed here) is going on in the specific Cash contest thread on the MNO forum where anybody can get a $5 cash prize daily by answering questions about the program. The first winners have already been awarded with their prize so please check out this thread often as one question will be published daily at different times to ensure that everybody gets a chance to win. Please also note that new investors in WorldPrivateFunds can receive a totally free $10 bonus into their account which will enable them to receive their 1.4% profits for 60 business days (which is one of the variable plans offered by the program). To take advantage of this opportunity you have to have an e-currency account in LibertyReserve, PerfectMoney or SolidTrustPay and register your account in WorldPrivateFunds. Please read the latest newsletter from the admin Samuel (interviewed here) for more details:
“All new members registered since Sep 28th received a free 10$ deposit bonus in 60 days plan.
Attention: must have a valid e-currency account (LR, PM, STP) to receive this bonus.
Free deposit bonus will NOT generate referral commission for their upline
All withdrawal requests for Oct 4th have been completed.
We appreciate if you will post about your payment proofs on forums and vote us on monitors in order to increase rating and popularity of our investment program.
Thanks for your great support.
Do not hesitate to contact me for any problem.
Kind Regards. Samuel Arildsen
WorldPrivateFunds Admin”.

The admin of InWolton (interviewed here) just sent yet another motivational email which contained a short discussion about the importance of being yourself and not afraid to generate your own ideas, some daily stats from the program, information about the role of pips in ForEx markets and a short anecdote where you will find about what is short George Bush has and what is long that Mikhail Gorbachev had (no, it’s not what you thought, lol). Here is the latest newsletter from InWolton (reviewed here) which is currently paying instantly 1%-2.5% for 25 trading days and variable returns for 50 business days with principal returned on expiry:
““Always be a first-rate version of yourself, instead of a second-rate version of somebody else.” Judy Garland
Hey! How are you today? You know, I have noticed how much I hate autumn. This is the worst season for me. Daily rains, slush and wind… Boo!
Well anyway the weather in our company as always good. So, today I want to talk about YOU. Yes, about you NATURAL! Very often people try to hide behind the mask. They try to create a character of real lover, good leader, awesome friend or smart guy. But we all know that it is fake! And when you try to play different game everybody sees your real disadvantages even more.
There is a very good saying: “Be yourself no matter what they say”. There is nothing to add! You don’t have to be afraid of your real thoughts, character or appearance. Because it reflects your inner self! And without it you became the puppet of your ideals. If God had wanted me otherwise, He would have created me otherwise! Think about it!
Video for you!
http://www.youtube.com/watch?v=limL1tTYJz8&feature=related
So, now let’s check our financial report for Sunday.
Total Forex balance $73048, Forex transactions number 0, Company’s income $0, Advertising $0, Customer’s gross profit $0, Company’s net profit $0, Customer’s investment $1326, Customer’s withdrawals $325, Total reserve fund $4543, New customers 10
InWolton‘s education
How Much is a Pip Worth?
The value of a pip changes depending on the pair you trade. Calculating the value of a pip is not vital to your success, as a trader, since your broker will automatically calculate the value for you. However, since you want to trade you might as well know a thing or two about what you’re trading.
If you’ve been paying attention you know what a pip is. For GBP/USD a single pip is 0.0001.
So if you enter a long position on GBP/USD at 2.0400 and it moves to 2.0450, by the time you close your position, you have made a 50 pip profit.
Every pip GBP/USD moves up or down from 2.0400 is 0.0001. So in the example above, GBP/USD moved 50 pips or 0.0050.
Calculating the current value of a pip is easy. Here is the simple formula:
1 pip / exchange rate = value per pip
Joke of the day.
Bush has a short one. Gorbachev has a long one. Madonna does not have one. And a priest does not use his. What is it?..
A last name.”

The admin of a short term program PremiumGain which is paying instantly to LibertyReserve and PerfectMoney accounts 106%-128% after 1 day, 135%-175% after 5 days, and 180%-350% after 10 days announced today that a referral contest has started. According to him PremiumGain has already over 1,100 members and counting. SSL encryption should be added to the site within the next few hours as well which should increase the safety level of the deposits and withdrawals. So here’s the latest news from PremiumGain (reviewed here) accompanied by some investment statistics from its admin Steven:
“Today is a big day, finally our first referral contest has started and is running as smoothly as it possibly could. You can already see some members who are trying really hard so don’t miss out and let those sweet prizes slip out of your fingers.
(Check the contest rules here: http://premiumgain.com/?a=cust&page=contest )
Secondly, I would like to thank all the members for your support so far. We have grown to astonishing 1,1k members and I know that it couldn’t be possible without you.
Finally, the powerful SSL security should be added in the next 36 hours – safety first!
And here are some stats:
Running days 7, Total accounts: 1100, Active accounts: 643, Total deposited: $50,583.98, Total withdraw: $14,867.71
Steven”.

And I just received a newsletter from another successful short-term program EarnPlaza which has been running successfully for 15 days meaning that the first payouts on expiry for all plans on offer (110% after 5 days, 130% after 10 days, 160% after 15 days) should have been completed or will be completed within the next few hours. Also the program has already achieved over 1,000 members and I congratulate the admin of EarnPlaza Matt (interviewed here) on this remarkable achievement. Let’s hope it’s only just the beginning of a long business life for EarnPlaza. By the way, some more interesting features have been added to EarnPlaza including Live support, their own Twitter account, and more features to come. MNO will be watching and as always I will let you know about anything worth knowing on my blog as soon as it becomes known to me. Here is the latest newsletter from EarnPlaza (reviewed here):
“Hello, We have been interviewed by Money News Online, the interview was very nice and you may want to read my answers there:
http://money-news-online.com/blog/2010/10/04/04102010-interview-with-the-admin-of-earnplaza/
I would like to say thanks to Paul, who gave me this great opportunity to answer his questions and I hope you all will enjoy it.
Some updates has been made. We have added a twitter, so from now you can also read updates there. More changes coming soon and I am sure all of you will like them.
Finally we will start tomorrow making payouts on third plan witch is not yet has been expired. A big thanks to everyone who has been promoting EarnPlaza, we have just crossed over the 1000 members mark, that is an absolutely amazing number for a program that is just two weeks old, I’m really glad we made it. EarnPlaza has been growing a lot and it will continue to do so. I’m certainly going to keep my job, and if you continue yours, nothing will be able to beat us. All payments processed as usual, take care until next time.
Best regards, Matt Powell
EarnPlaza Support”.

Here are the programs that paid me for the last 48 hours since the last news was published:
UniteTrade, FundsOMatic, PawnShopFund, 144CashAds, EarnPlaza, MutualTreaty, Flamanta, YoKapital, YesInvestment, EzProfit, VividTrade, WorldPrivateFunds, CherryShares, EMSFinance, YamaFinance, FutureTrails, FxTradingWorldwide, OilStructure, FenixTrust, Vodapex, OrderDollar, GroupUniversal, PremiumGain, GainBucks, ReProFinance, OnyxInvClub, InternationalCommerce, TradersPower, GrapeVineFunds, OptimumPride, FiboTradePro, Budgetiva (the first payment received) and CurioHunters (the first payment received).

CurioHunters was one of the the two new programs added to MNO Standard listing last night. CurioHunters which has quite an odd name started just two weeks ago so can be considered quite new as their investment plans offer very moderate returns and the investments can be made via LibertyReserve, PerfectMoney or AlertPay payment processors. The minimum investment is $10 only and depending on your principal you can earn from 1.1% to 1.9% for 150 business days (if you invest in a daily plan) or from 6% to 10% for 30 weeks (if you invest in a weekly plan). The payments must be requested and should be processed within 24 hours on business days only. CurioHunters has quite an eye catching fancy design, is running on the ever popular GoldCoders script and is hosted on a dedicated server from Dragonara with SSL protection installed. There is a phone number in UK, Skype, ICQ, email and live support all available on the website so you can contact the admin at any time and by any of the methods you prefer. A more detailed review of CurioHunters is going to be published on MNO tomorrow so stay tuned for that.

According to the admin of Budgetiva – another program added to my listing last night – their aim is to become the next MegaLido which if you remember was a hugely successful website back in 2008 that made several hundred members a great deal of money. The only investment plan therefore offered by Budgetiva is exactly the same 144% after 12 days but unlike MegaLido you don’t have to surf to earn your profits. Budgetiva accepts deposits from a $4 minimum to a $25,000 maximum and all you have to do to earn your profits is to deposit the desired amount via LibertyReserve, PerfectMoney or AlertPay and wait for 12 days when you can withdraw your credited profits. Since Budgetiva has been running only for 4 days we won’t see the first payouts on expiry for a while but I can already see that the program has quite good potential. It accepts the most popular payment processors, is running off a popular licensed GoldCoders script, hosted on the best protection level by BlackLotus and is listed on the biggest monitoring sites already, including MNO of course. The first newsletter from Budgetiva was published on their website already just before AlertPay was added and you can read it below. Judging by this update it’s obvious to me that the admin of Budgetiva is quite enthusiastic about making his program one of the best online and so I’m looking forward to reviewing it soon:
“Dear members, It is simply unbelievable how much popular Budgetiva has become in less than 4 days of being online. Budgetiva currently has over 720 members and our members database is growing in an extremely fast growth rate of over 200 sign ups daily which is totally amazing as Budgetiva is brand new. Budgetiva has managed to attract the attention of the big investors from day one itself and we are receiving many positive feedbacks from investors to our email. Well, in fact this is not a surprise to us because we already started a very heavy advertising campaign on the project. Budgetiva is currently monitored by more than 100 monitors and you can see advertisements almost everywhere. And this is just the beginning and the first stage of the huge advertising campaign that we are planning for Budgetiva. We will expand the advertising campaign in the coming weeks to the forums, everything very gradually. Just imagine what will be the growth rate of Budgetiva and how popular it will become AFTER the first cycle of payments is completed. According to HYIPExplorer, Budgetiva has received 190,608 (!!!) visits yesterday and is ALREADY the second most popular HYIP website on the Internet!
Now let’s admit it, since Megalido collapse in 2008 (Megalido was a program with the same plan and lasted for 4 months) there were not any quality 12×12 programs that lasted for a while. It’s definitely due to a lot of factors including the admin intention, his skills in advertising and management etc. Hence we opened Budgetiva, to reborn Megalido’s success slowly and gradually and to make the program sustainable for a longer period than it. We have all the equipment, tools and power needed to make it happen and we just need your support.
We just have one request to our valued members. Every time that you get paid from Budgetiva, please vote for the project on the monitors. Since Budgetiva has so many monitors, we decided to focus on one monitor so please make your vote in HYIPExplorer, after each time you receive payment. HYIPExplorer is one of the most popular monitoring sites. Here is the link:
http://www.hyipexplorer.com/vote/budgetiva_3239
Another thing I would like to mention, is that we received numerous requests from members to add AlertPay as an accepted payment processor in Budgetiva. We are just waiting for AlertPay to verify our account so that we won’t experience any blockage in the future and once it’s verified, we will add it immediately so you can use it then.
We contacted Paul from MNO yesterday and Budgetiva will be soon reviewed by him on his blog. We will put the link to the review on the main page of Budgetiva so you will all be able to read it and share your thoughts. We strongly support Paul and really admire him for working hard everyday to provide everyone with the most detailed news from the industry.
That would be all for our first newsletter. Please spread this newsletter around.
With Warmest Regards, Budgetiva Administration”.

That’s all for today, guys. I hope to see you all on MNO tomorrow when I’ll have the most up to date news from anywhere in the industry accompanied by another review. Stay tuned and see you then!