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

Hi everybody! As we come to the end of another working week it looks like it’s been quite a busy one in the HYIP world. One recent addition to my own monitoring page was that of ProsperityStructure, a short term high interest game that’s been running since the start of the week. That might only be a few days but it was still long enough to complete a full cycle and to pay on expiry for all their plans.

Before we get any further please do keep in mind that the plans are very short and that this is a high risk venture. Don’t get me wrong here, it’s entirely possible that ProsperityStructure will put as many if not more investors into profit than a great deal of supposedly more reliable longer term programs. The difference here is timing, and it’s a lot more crucial to get that right with shorter term games. As well as that just follow the usual rules about affordable deposits and diversifying and nothing too serious can go wrong.

So now that that’s out of the way let’s take a look at the investment plans. ProsperityStructure has three of them, all extremely short term and all paying various rates of interest based on the size of your deposit. And I have to point out that the descriptions of the plans on the ProsperityStructure website itself are a bit misleading. They only display the maximum you might earn if you invest several thousand dollars. The reality of the situation is of course a bit more modest.

The first plan runs for just 1 single day. Minimum investment is just $10 and in return for anything between that and $500 you are offered 106% interest paid on expiry the following day. So spend $100 and get $106 back. Or if you’re prepared to risk a little more then deposits from a $501 minimum to a $5,000 maximum are offered a payment of 108% on expiry. And then for the really big spenders ProsperityStructure offer the maximum return of 110%, paid on expiry for deposits between $5,001 and $20,000.

And that’s pretty much the style of the other two plans as well. For the second one ProsperityStructure pays on expiry after an investment term of 2 days. Minimum deposit is still an affordable $10 and anything from that up to $500 will net you a return of 119% on expiry. Sign up with between $501 and $5000 and you can expect to see a return of 122%. And again it’s only players willing to risk from at least $5,001 to the maximum $20,000 that are offered the highest return of 125%.

ProsperityStructure‘s third plan is the most profitable. And with a term of 3 days it’s also their longest. Payments are still made on expiry and the minimum investment is still a very affordable $10. Anything from that up to $500 is offered a return of 132% paid on expiry. Spend from $501 up to $5,000 and the return goes up to 136%. The maximum payout from ProsperityStructure is 140% and that is for deposits from at least $5001 up to a maximum of $20,000.

By the way, I’m sure it’s not necessary to point this out but just in case somebody is a complete novice in the HYIP industry then your principal is included as part of your payment in these plans. ProsperityStructure are accepting only LibertyReserve and PerfectMoney as payment options so remember all transactions are final. On the plus side however the limited choice is made up for by the always welcome use of instant payouts. Just log in and request your payment and it will appear in your e-currency account within seconds. I can confirm this personally as that is how my own payments were made so far.

ProsperityStructure is running off a licensed GoldCoders script and is hosted on a dedicated server supported by and with the highest level of protection from BlackLotus. One thing I do not like about them however is that they claim they are using SSL encryption to protect their website. Please be aware that this is not the case and SSL encryption is not currently in use, despite what it says on the site.

Contact with the admin is through the online e-mail support form, so just fill out your details and submit. Live Support was also added, though this is not a 24 hour service and no schedule as to when it operates is published. But the admin has been fairly communicative so far, which is always beneficial anyway but even more so for programs like this one. And also something that may not sit well with some of the more aggressive referral sharks out there is that ProsperityStructure only offer 1% commission on your downline. Monitoring sites may not care for that but as an investor I really don’t mind as it’s something that keeps that little bit extra cash flowing around the program and trickling back to the members rather than the advertisers.

Texts incidentally are not original and have been used by a number of other HYIP based games in the past, so again for the benefit of newbies (I know experienced readers are already aware of this) you should dismiss any claims about the program being involved in any kind of business or financial markets. In this case the texts are pretty vague anyway and really don’t say anything that implies to me anything other than an online HYIP.

It’s a gamble, and as long as your comfortable with that and the possible consequences then it’s shaping up to be a popular gamble. All three plans have already paid out (several times in the case of the first one) which will give confidence to others and the use of instant payouts won’t do them any harm either. Just remember there is a finite life cycle to online money making schemes so if you’re going to participate don’t wait around too long thinking about it. Either join early, or wait for something else. But ProsperityStructure is an easy couple of bucks for somebody while it lasts.

DAILY NEWS FROM THE INDUSTRY.

Despite the best efforts of the naysayers trying to destroy UniteTrade the program is still thriving and paying instantly on two investment plans: 120% after 7 days and 150% after 15 days. The payouts to all the payment processors accepted (LibertyReserve, PerfectMoney and AlertPay) are still processed instantly with the exception of those cases outlined in the latest newsletter from the admin of UniteTrade Andy (interviewed here). Fortunately, it looks like AlertPay is not going to block their account as some of their more jealous competitors were really eager to see. The admin reported over 350 new sign-ups on a typical day. To tell you the truth, it’s hard to believe sometimes as these numbers can be easily manipulated but considering the enormous level of popularity of UniteTrade among investors I would not be surprised if the figures was close to being accurate. The recent exciting plans discussed in the latest updates include the implementation of their own forum based on a Paid-to-Post basis with a regular cash contest and the upgrade of their SSL-secured connection to a new safer level. For those who are interested in reading the entire newsletter from UniteTrade (reviewed here) please take a look here:
“Hello UT Members.
This is me, Andy, here again, to bring you some fresh news and updates. UniteTrade has been online for 185 days as of now, and it’s really an amazing feat to have achieved, especially in this crisis hit period of this industry. Nevertheless, this industry is reviving from the crisis, and there’s no doubt about the fact that, UniteTrade is contributing a major part in revival process. We are getting more than 350 member registrations on a daily basis, which obviously, will increase at an exponential rate, in the next weeks to come.
In the last newsletter, we mentioned about starting our own forum, where members will be able to share their investment stats, post their payment proofs, have their problems solved, report bugs and other issues, and many other features, the main feature being the Paid-To-Post feature, where our members will be given $0.01 for each post they make. We have already bought the Invision Power Board (IPB) script for our forum, and right now, we are working on the design, and other features that are to be added, and employing moderators for the forum. We will be conducting contests in our own forum, in which the winners will awarded accordingly. We will let you know the forum link, once everything is ready, and is ready for launch.
The instant withdrawal system, which we had implemented a few weeks back, is working smooth and perfectly well, without any glitches or issues. But at times, a situation may arise, in which your withdrawal might go to the pending status, instead of being processed instantly. The said situation might arise due to the following reasons.
1. Our e-currency accounts might not have enough funds to process your withdrawal instantly. Due to security concerns, we store most of our funds in a different e-currency account other than the one which we use to process the withdrawals, and so, we will have to fund the e-currency account used to make the withdrawals. In such situations, you should contact us by sending in a support tickets, and your withdrawal will be processed manually within 0 to 12 hours.
2. You might have requested for your withdrawal, the same time another member made the request. In such a situation, your withdrawal might go to pending status, and what you have to do is, cancel the withdrawal request, and request for your withdrawal again in the next minute.
3. You do not have your e-currency account ID in your profile. If so, you should contact us to add your e-currency account, by providing us your security question, security answer, username, and your e-currency account ID.
4. You have entered your e-currency account ID in the wrong format. Your e-currency account IDs should be of the following format
Liberty Reserve – U1234567 [The letter U can be either “U” (capital) or “u” (small)]
Perfect Money – U1234567 [The letter U should be only “U” (capital)]
AlertPay – name@domain.com
If your e-currency account ID is in the wrong format, then you should contact us, so that we can fix it for you.
5. Problems may arise with our script or the payment processor’s API, which can affect the instant withdrawal system. In such situations, you should contact us, so that we can solve the issue as soon as possible.
6. It might be due to some other issues, and in such cases, you have to contact us by providing us your username, and we will look into it.
In the next few days, we will be adding SSL security issued by Thawte.com for our server. Thereafter, you will be able to see a green color in the address bar of your internet browser, when you access our site, just like when you access the website of Liberty Reserve, Perfect Money, and AlertPay. This is a security measure done to secure your connection with our server, so that your information will remain secure, while making transaction. More details about this will be made available in our next newsletter.
We often receive e-mails, enquiring about the amount invested by our biggest investor. But due to security and privacy related issues, we cannot disclose such information, and all incoming and outgoing transactions will be known only to us, and will not be made available publicly. Rest assured, we are receiving a handful of $10,000 investments every week, and most of them who are investing such amounts, are re-investing in UniteTrade, as they trust and believe in us.
Some members, who are new to this industry, ask us how our program works. All they have to do is, register on our website, log in to their own account, and deposit the amount they wish, in the investment plan they like. Investments into the 7 day plan, will give you back a total of 120%, of which 100% is your principal amount, and the rest 20% is your profit. Investments into the 15 day plan, will give you back a total of 150%, of which 100% is your principal amount, and the rest 50% is your profit.
For example, if you invest $1000 in the 7 day plan, you will be returned back a total of $1200, at the end of the 7th day, of which $1000 is your principal amount, and $200 is your profit. Your withdrawal will be processed instantly, immediately after you place the withdrawal request.
Feel free to contact us if you have any further queries, and we will be happy to assist you.
Regards, Andy. UniteTrade.”

Perhaps the most dangerous competitor for UniteTrade in the near future might be Budgetiva (reviewed here). The program only started a week ago and the first payouts from the (only) 144% after 12 days plan are yet to be processed. I still have to advise extreme caution with this one at least until the first cycle is over. But still its Alexa ratings are showing fantastic results and even the monitoring sites show some extra interest of the potential investors. I don’t know what really attracts so many people to Budgetiva but perhaps they know something I don’t since they are so enthusiastic. I myself prefer to wait for the first payouts on expiry before jumping to conclusions. However, I must admit that at the moment Budgetiva does look tempting. Just remember to properly assess the risk here and if you want to try a gamble then proceed. I think the growth though is too explosive and I don’t think that it will be beneficial for the program in the long run. In addition to such huge interest in the program the admin announced a referral contest which will go on for the next 7 days with a total prize fund of a whopping $1,500 which will go to the first three lucky winners who will get the most upgraded referrals. Anyway, I wish every success to the administration of Budgetiva in their eagerness to become the next MegaLido. I hope they will be able to earn profits for many investors who believed in them from the beginning. Here is the latest newsletter from them:
“Dear members,
Budgetiva‘s success is becoming simply phenomenal! In less than a week, Budgetiva has already become the most popular HYIP website on the Internet, with a mind-blowing amount of 393,816 visits yesterday according to HYIPExplorer! Yesterday was a new record with the number of sign ups, over 370 new investors joined to Budgetiva yesterday in a period of 24 hours. Do the math, it’s an average of a new sign up every 4 minutes! This just manifests to you how huge the potential of Budgetiva is and how much profits can be made with it in the long haul. Our growth rate is EXTREMELY fast and unstoppable now and Budgetiva currently has over 1280 members and growing like a rocket almost every minute.
Recently, few promoters began a very heavy marketing campaign on Budgetiva, advertising and promoting the program in their websites, being aware of the enormous potential of the project. In order to thank them for their hard work on promoting Budgetiva, we decided to start a referral contest with some generous and also quite reasonable prizes. The contest starts today, October 8th, and ends on October 15th. The member, who will have the most *ACTIVE* Referrals, until that date, will be declared as the winner of the contest and receive a cash prize of $800 directly to his desired payment processor account. The second winner will receive $500, and the third place $200. Only Active Referrals starting from today, October 8th, are counted. We believe this referral contest will boost the growth rate of Budgetiva even further and make it exposed to a wider audience of investors.
Finally, how can we finish this newsletter without thanking Paul for his review of Budgetiva on his blog yesterday’s night? Below is the link to the review:
http://money-news-online.com/blog/2010/10/07/07102010-budgetiva-review-and-daily-news-from-the-industry/
With Warmest Regards, Budgetiva Administration”.

The admin of another popular short-term program OrderDollar which is three weeks online had to disable instant payouts again due to some security concerns that arose. I remind you that it happened once already during the first week. Then the admin only disabled instant withdrawals to LibertyReserve and PerfectMoney for a couple of days and quickly turned them on again. It didn’t seem to affect the program and the investors were still paid within 12 hours on both plans offered by OrderDollar (23% for 5 days and 135% after 10 days). I hope this time it’s just a temporary measure again and hope that the instant withdrawals will be back after the concerns are past. Anyway, from all the withdrawals I requested today I was paid quite fast. Here is the latest short newsletter from OrderDollar (reviewed here) regarding this issue:
“Dear Members, Here is a quick update regarding instant withdrawals.
Due to security related concerns, we have decided to disable the instant withdrawal feature, and have decided to process all the withdrawal requests within 0 to 12 hours. The instant withdrawal feature will be enabled again, after we solve the security issues related with it.
Regards, OrderDollar.”

I’m glad to report that today I received a reply to the interviewfrom the admin of InternationalCommerce (reviewed here). I hope to publish it by Sunday and am sure that it will be of interest to many investors as many questions might arise since we saw a successful low-ROI program like InternationalCommerce running for 18 months, yet still under the radar among the general investing public. I believe therefore that we will find out the answers to some interesting questions that bothered many investors after reading my review of the program which the admin of InternationalCommerce kindly mentioned in his latest newsletter tonight:
“Dear InternationalCommerce clients,
We have got an interesting news for you. Paul, the owner of the blog Money-News-Online.com, published an exciting review on InternationalCommerce on the 5th of this October, which you can read here”.

Also I have some more positive news for you. It appears that there was nothing to worry about with YesInvestment (reviewed here) as the site is back online and the payouts are processed as quickly as ever. I received mine today within a few hours of the request being made so I believe everything is back to normal in YesInvestment.

As usual Friday is the last day of the week you can request your cashouts from 144CashAds (reviewed here) as the payout button will be disabled for the weekend. I hope you didn’t forget it and if you do then you will have to wait till Monday for the payouts to be enabled again. The admin of 144CashAds Lewies (interviewed here) in the latest email reminded us about the $10 bonus which will be credited to the accounts of everybody who will invest in all the six plans available on the site. Here is the full update from 144CashAds:
“Hi. Thanks for your support. Welcome all new members in to our family.
Please feel free contact with us if you need any help. You can also chat online.
You can study how plans works from http://144cashads.com/index.php?p=about
Also you can study MNO review. Admin explain it very beautifully. Here is the link
http://money-news-online.com/blog/2010/08/03/02082010-144cashads-review-and-other-news/
All pay out done and up to date.
10$ Bonus for month of Oct. is running. As like previous months all 6 plans holder member.
Pls send support mail to get 10$ for month of Oct.
Enjoy earning with us.
Thank you. Lewies. Project admin”.

Another inspirational newsletter from the administration of InWolton (interviewed here) discussed real life which everyone should aspire to and avoid mindless consumerism and routine. This is actually a good example of what I’m trying to do when not working. Unfortunately we don’t all have so much spare time but if you ever have a moment to yourself try to make it as precious and unforgettable as you can. I bet this was the real message that InWolton wanted to give its members. In other news: the program managed to move their website to another hosting provider and instead of Dragonara they are now hosted on a dedicated Staminus hosting with Koddos protection. I don’t know the reasons why they changed although I recently noticed some strange patterns when many websites for some unknown reasons are leaving Dragonara. I’m sure that this is just a technical aspect which will not affect the stable performance of InWolton which pays instantly to PerfectMoney and LibertyReserve on two investment plans: variable daily returns for 50 business days and fixed 1%-2.5% for 25 business days with the principal returned back on expiry. They have been listed on MNO for exactly four months and I hope can continue its good job and bringing good profits to investors for a long time. The whole newsletter which as usual consists of the traditional sections including the Forex education article and joke of the day can be read below:
“Life isn’t measured by the number of breaths we take, but by the moments that take our breath away.”
Hello, guys. I am so sorry for the temporary inconvenience because of the technical problems. We have moved our web-site to the other hosting. So, now we will work normally.
You know many of us have a really boring life. Our day is always the same: bloody morning, coffee, subway, work, coffee, cigarette, work, work, work, subway, TV, sleep. This is not a real life, this is simply existence! We lack real emotions, smile and unforgettable feelings. We are like robots, which have a mission on Earth. And what happened to love, friendship, globetrotting… We sit home near our computers and live in Internet. And life passes by outside of our cabinets. Try to live at least one day without your PC (I know it is really hard). And you will find out that life is awesome and you actually have 2 wonderful kids and beautiful wife! Live till you live!
So, now let’s check our financial report for Wednesday. Total Forex balance $73048 Forex transactions number 15 Company’s income $2650 (3,6%) Advertising $120 Customer’s gross profit $1401 Company’s net profit $1689 Customer’s investment $2305 Customer’s withdrawals $824 Total reserve fund $4881 New customers 3
InWolton‘s education
Fundamental Analysis
Fundamental Analysis is a way of looking at what’s happening with the currency from an economic point of view, mainly. As mentioned before, economic news is normally scheduled to be released at pre arranged times, as shown on the Forex Calendar. These announcements often move price. Fundamentalists mainly use this economic data to try and predict which currency will appreciate and which currency will depreciate in value. In simple terms, which currency is going to get stronger and which is likely to get weaker. For example, currencies tend to get stronger when interest rates increase. This is because this currency now attracts savers. These savers can be from anywhere in the world, generally. However, they need to change their money into the currency they wish to save in, where the highest interest rate is. This creates demand for that currency and pushes the value of that currency up. Basic principles of supply and demand. Fundamental traders do tend to hold their trades for longer as they are looking at a currency gaining or losing strength due to economic conditions. They can hold trades for days/weeks or even months. They can also take short term position of just a few minutes. These tend to be News traders and this can be a highly risky strategy and not recommended
Joke of the day
A soldier sends home a hand grenade. “Dear granny! If you pull this ring, I’ll be able to get three day’s leave.”

I received quite a lengthy newsletter from FxTradingWorldwide in which they outlined some recent changes in plans that are aimed to make the program more sustainable in the long run. Please be patient when it comes to withdrawals as the admin told me that it might still take more time that usual, especially if your withdrawal request is too high. If you think that your pending request was somehow missed please submit a support ticket and rest assured that your issue will be taken care of in due course. Also note that the deposits made into some of the plans till the end of October are entitled to a 5% deposit bonus which will be manually added by the admin. For more information and the latest updates please read carefully the whole newsletter from the admin of FxTradingWorldwide (reviewed here):
“1. After we adjust the investment plan many times (until you might get confusion and worry about future changes)
We would like to summary our final status here for long term and commit that there will be no major change until we review status again next year.
1.1 Test Plan – 7 days plan 1.00% daily, range from $1-$100. Investment max 2 transactions at a time Compound 50%
1.2 30 days plan 1.50% daily, range from $1-$1,000. Investment max 5 transactions at a time, Compound 50%
1.3 60 days plan 2.00% daily, range from $10-$1,000. Investment max 5 transactions at a time, Compound 50%
1.4 90 days plan 2.50% daily, range from $100-$1,000. Investment max 5 transactions at a time, Compound 50%
1.5 5% Weekly 12 weeks $1000-$20000 Investment max 10 transactions at a time, Compound 100%
2. To promote our long term plan investment as above and going into 6th month service. Also to help us compensate our Forex trading principal from heavy withdrawal from short term plan in past 2 months (which effects to your longer withdrawal time).
We decided to give deposit bonus with following conditions:
2.1 The fresh investment from today (8th Oct) until 30th Oct in 60, 90 days plan and 5% weekly plan from 100$ will get 5% deposit bonus which will be manually added by admin into 30 days investment plan.
2.2 Member need to submit details of username, plan batch number of deposit from LR and PerfectMoney to admin in our support ticket system in support page.
2.3 Deposit bonus will be added within 48 hrs after submit request.
3. Referral commissions system will be restarted again, please wait for announcement.
4. During our server installation setup last few days, some member might get error profit calculation which we’re adjusting one by one transactions, if you find incorrect calculation, please report us in support ticket system section.
Have a nice weekend
Best Regards. Admin.
FxTradingWorldwide. “Your Money Factory”

Another program that was added to the Premium list on MNO today is simply genius in my opinion and one of the best I have seen recently. It’s PandaTrade – a program based on a unique script with SSL encryption and code-card protection, beautiful design with some nicely laid out charts and graphs, hosting on a dedicated server by Dragonara and the most important thing – original texts and content. Please do not be fooled by PandaTrade‘s news section though as it was introduced on the main forums just today so it can be considered as a brand new project. At this moment PandaTrade only accepts LibertyReserve, PerfectMoney and Bank Wires to the following plans: variable returns for 44-180 business days (principal back) and variable returns for 100-120 business days (principal included). Please do not be put off by so many investment plans and if you can’t understand then the upcoming MNO review which will be published next week will be of great help to you. I think that such a well developed and well planned website is definitely an indicator that the admin has some serious intentions and is not here for a fast scam. Most likely due to the low returns and the flexibility of the daily returns PandaTrade is going to stay online for a very long time (at least enough for the first investors to be in profit). Of course, I cannot predict the future but I feel something big here and possibly even a future leader of the industry when I first saw their website. To tell you honestly, if I was not too skeptical about online HYIPs in general I would say that PandaTrade looks like a very original and genuine investment company. There are actually so many interesting features on PandaTrade website (code-card issued for every account, written contract to every deposit in pdf format, multimedia help presentations and detailed company information including the numbers of phone support and the address in BVI, to name but a few) that it will take me a long time to analyze them all and bring you a more detailed review of PandaTrade which I hope to have by Monday. So you can browse the program and look forward to the review on MNO very soon!

Here are the programs that paid me for the last 24 hours:
Vodapex, EMSFinance, CherryShares, RedOrchidInvest, Famega, WorldPrivateFunds, OilStructure, InWolton, ReProFinance, OrderDollar, OnyxInvClub, InternationalCommerce, FutureTrails, 144CashAds, UniteTrade, FiboTradePro, FundsOMatic, YamaFinance, PawnShopFund, TradersPower, Budgetiva, ProsperityStructure, Flamanta, GainBucks, CurioHunters, GrapeVineFunds, YoKapital, FenixTrust, YesInvestment, EzProfit, VividTrade, and MutualTreaty.

Thanks for your attention, guys! I would like to wish you a good weekend and see you tomorrow with the latest news from the industry and a detailed review of Famega. Stay tuned and always stay on the money with Money-News-Online!