BEWARE! THIS PROGRAM IS PAYING SELECTIVELY! PLEASE DO NOT INVEST!

Hi everyone! Well it’s my last evening in Salzburg and I will take many fond memories of it with me when I leave for Vienna tomorrow morning. None more so than tonight when I spent a wonderful couple of hours dining out in the medieval Hohensalzburg Castle overlooking the city far below, the majestic Alps that surround it, and the peaceful Salzach river that cuts through it. The city being famous for classical music I couldn’t leave without a trip to the symphony and the castle really was just the perfect venue for the works of some of the best loved Austrian and other Central European composers, especially on such a lovely Autumn evening. I can’t say it’s something I do everyday, but it was a good experience and one I would recommend.

But of course the work doesn’t stop just because I had other plans and there is a lot to catch up on tonight. More news than usual for a Saturday I think, which is not to be underestimated as a positive sign that the industry is clawing its way back to normality. Also I want to look at one of the latest long term HYI programs added to my monitoring page. It’s a reasonably good one I think, not the best but well above average. It’s called Famega and they offer a series of mostly affordable plans that make daily payments. And that’s not a bad foot to get off on as they do tend to be the more popular option. Famega have also just launched a couple of days ago, so it’s brand new and whatever chances you have of turning a profit are greatly enhanced by getting involved early.

The first thing that anyone looks at when approaching an online money making program is the plans and Famega has some good ones. Not paying too much as would make the long term sustainability of the project untenable, but still enough to make it profitable for its members. They have quite an unusual structure in place regarding the principals and the returns. You’d really have to see the Famega website yourself (what are you waiting for?) to see what I mean but they have it all laid out in an easy to read graph that’s accompanied by a handy little profit calculator where you can see how much you will earn based on how much you are prepared to spend.

No such fancy graphics for MNO unfortunately, but I’ll try to spell them out for you here in words as best I can. There are however two very important points that you will to remember here. First of all there are three plans for you to chose from and they all make daily payments. Nothing unusual about that you may think, except that the investment terms are listed in calendar days but your payments are only made on business days. Watch out for one thing however. Next to the plans on the Famega website you will find a built in profit calculator. You’ve all seen the one I mean, where you type in how much you have to spend and it tells you how much you will earn in return, right? Well in this case please ignore it. Its calculations are based on calendar day payments, not business day payments which is what you will receive. So the figures cannot be considered accurate. It’s kinda funny though, a good 50% of those calculator things I’ve seen on other HYIP websites seem to be wrong as well.

The other thing you need to remember is that there are no expiry dates in the usual sense on the plans. There are only lock in periods which act as suggested minimum investment terms. Once the lock in period expires you are free to either withdraw your principal or else leave it with Famega and continue to earn. And if you don’t withdraw after the lock in period expires then you are not subject to a second lock in period, i.e you can withdraw anytime you like. The figures mentioned below relating to potential earnings are just suggested minimums based on the assumption that you will leave as soon as the lock in period finishes. You are of course under no obligation to do so and may stay a member for as long as you like. Just have a general figure in mind as to how much you would (realistically!) like to earn from the program and do your own calculations accordingly.

So the first plan in Famega runs for 30 calendar days. Payments are made on business days which means that within a 30 day period there should be 22 payment days. The minimum investment is $10 and for deposits between that and $100 Famega offer 0.6% interest per day from Monday to Friday. That would add up to a total of 13.2% profit by the time the lock in period expires. OK, I know there are other HYIPs out there that offer you a bigger profit for a similar period, but the thing to remember here is that in the long run Famega is in a much better position to make these payments for a longer and more consistent basis. The individual payment might be small but they are capable of making a lot more of them.

For larger deposits of between $101 and $2,500 you are offered 0.8% interest per business day over the course of 30 calendar days. That would eventually add up to 17.6% in profits by the time you are allowed to withdraw your profit.

More serious players looking to take a more serious risk can earn 1.2% interest per business day on deposits starting from $2,501 up to a maximum of $10,000. At the end of the 30 day lock in period that would amount to 26.4% profit. And finally for information purposes Famega offers 1.5% interest per business day for any deposits of $10,001 and more with no published maximum.

Things begin to get a bit more serious after that. Famega‘s second plan while again not having a traditional expiry date is subject to a minimum lock-in period of 120 calendar days. Payments are again made on a daily basis but paid on business days only. So the 120 day lock in period contains 88 payment days. The minimum investment takes bit of a hike this time, and you’ll have to spend between $100 and $2,500 to earn 1% interest per day. That will obviously enough bring you a total profit of 88% by the time you are allowed to leave Famega.

If that’s not enough for you and you wish to avail of the more generous rate of 1.2% per business day then you will have to invest at least $2,501 up to a $10,000 maximum. That adds up to 105.6% profit by the time you can ask for your principal to be returned. Larger investments with no published maximum are offered 1.7% interest per day.

Famega‘s third and longest term investment plan is subject to a minimum 240 calendar day lock in period. Payments are only made on business days, of which there are 176. The payments are a lot more generous but the minimum investment is pretty hefty. It will set you back a minimum of $2,500 to play here, but if you can afford it and don’t mind risking it then you are offered 1.6% interest per business day. That adds up to 281.6% profit by the time you can ask for your principal back. But if 240 days seems like an awful long time to you then remember that it only takes 88 calendar days to break even, so anything you get paid after that is kinda a bonus in some ways. Maximum spend for this rate of interest is $10,000. If you are prepared to risk more then the daily rate goes to 2%.

At the present time your payment options with Famega are limited to LibertyReserve and PerfectMoney, which is of course the norm for long term HYIPs. Nothing wrong with either of them, they both have their uses including convenience, but do remember that all transactions carried out through them are final and will never be reversed. The admin has suggested that both AlertPay and bank wires will be accepted soon enough, so if that’s what you prefer then feel free to wait. I’ll make sure you hear about it in the MNO news section the very same day it happens. I’m not expecting it for another couple of weeks though.

One other brief point I want to make very quickly about the plans include the option of compounding being allowed. If you’re a fan then remember to set the percentage before continuing with your investment. If you’re not a fan of compounding however then please be careful. It’s already set as a default option so remember to reset it to zero when joining.

Famega is running off a script under license from GoldCoders, although it’s been heavily modified to suit their own requirements. So much so that some of you may find it barely recognizable, but that’s what it is. The website is hosted on a dedicated and protected server by XlHost. Not a name you hear very often in relation to HYIPs, but they have been around for a few years now and I’m unaware of any serious problems with the HYIP sites that they have handled. Famega is also using SSL encryption for safer browsing. One of the more interesting security features sees the program use a PIN system (rather like your bank’s automatic cash machines) in order to make a withdrawal. And I suppose with concerns about online security at an all time high then the introduction of such a system is to be welcomed. And it’s a very simple yet highly effective matter of just entering your own personal four digit code before you can proceed. Hopefully it will become a feature that will catch on, which would be inevitable if enough investors were to start demanding it.

You can communicate with the admin by filling out the online e-mail support form you’ll find on the contacts page and submitting it. You’ll also find a postal address in Texas and a telephone number. The program, as you will have seen from the plans, only works from Monday to Friday so if you really need to check this out and speak to someone in person then you can do so from 9AM EST on Monday morning.

Texts are not original and can be found on the website of a genuine UK based financial services company. The company in question is partially owned by a bank where I keep an account, so I know who they are and recognized it instantly. Anyway, I think 99% of MNO readers will share my views on this subject by now. It’s no slight on the Famega admin and is most likely down to the designer. But I think we all know we’re just talking about HYIP related games here and any mention of managing international pension and insurance funds is to be taken with a liberal dose of salt.

It’s not all that big a deal to me, and certainly doesn’t change the fact that Famega is a high quality program and one that looks very professionally organized and presented. I have a reasonable level of confidence in the admin (insofar as that’s even possible in an anonymous business like this) and would be optimistic that he has the skill and experience to run good program. Just remember that when investing with HYIPs always keep a varied portfolio and avoid heavy reliance on any one program. But this one looks decent enough.

DAILY NEWS FROM THE INDUSTRY.

Some really good news came today from the admin of UniteTrade Andy (interviewed here). Some sources hurried to write them off after some groundless threats received by one particular person working on behalf of their competitors. The AlertPay account of UniteTrade is working fine so far (so his defamatory campaign failed to produce any results) and moreover, another payment processor that requires even stricter verification before allowing any HYI program is now accepted – SolidTrustPay. This addition should inspire more confidence in investors and will definitely give the program some additional amount of money and the investors will get some kind of protection for their STP funds which is known for their refund policies just like AlertPay. Of course, we cannot deny that SolidTrustPay’s popularity has declined recently but it still has many fans with money there and will definitely want to try one of the investment plans: 120% after 7 days or 150% after 15 days. Among the recent news from UniteTrade we have to mention is the addition of phone and Skype support in the Russian language together with English and Hungarian. Among the most recent plans for the near future would be the addition of the forum (provisionally set for next Monday) and the registration of the company. We can see the program is still developing its influence online and is still hot, offering fast payouts now to four payment processors: LibertyReserve, PerfectMoney, AlertPay and SolidTrustPay. Here is the latest newsletter from UniteTrade (you can read my detailed review here for more details):
“Hello UT Members,
We have got a surprise for everyone, and this is something most of you have been waiting for, and something we had promised everyone before. It’s nothing but, the much awaited addition of the popular payment processor, SolidTrustPay (https://www.solidtrustpay.com), to the list of our already accepted payment processors, Liberty Reserve, Perfect Money, and AlertPay. Our SolidTrustPay account has been verified by the SolidTrustPay officials, and is ready for use. This means, from now on, members who wish to make deposits with SolidTrustPay, can do so, without any hassles, and can also make withdrawals to it.
We are on our way to get our company registered, and in the next few weeks, the details regarding it, such as our company registration number and other details, will be made available, as soon as the registration procedures are complete.
The forum, specially being made for our members, is almost complete, and if everything goes in accordance with our plans, it will be launched and put in operation, on this coming Monday, that is, on the 11th of October, 2010.
As we had mentioned in our last newsletter, we have added Russian telephone support, and Russian Skype support, in addition to the already offered support languages, English and Hungarian. More details about the offered support system, can be found here: http://unitetrade.com/?a=support
Hungarian and English Support
Telephone Support : +36 21 2021983
Skype Support : unitetrade.support
Telephone support will be available from 08:00 GMT to 24:00 GMT on weekdays, and from 06:00 GMT to 22:00 GMT on Saturdays. Telephone support will not be available on Sundays.
Russian Support
Telephone Support : +36 21 2523101
Skype Support : unitetrade.support.ru
Telephone support will be available from 07:00 GMT – 21:00 GMT on weekdays, and from 16:00 GMT – 21:00 GMT on Weekdays.
We wish everyone, a very great success with UniteTrade.
Regards, Andy. UniteTrade.”

Another hot short-term program now is definitely ProsperityStructure (reviewed here). Those of you who joined the program right after its introduction on MNO should have been nicely in profit from all three plans on offer: 106%-110% after 1 day, 119%-125% after 2 days, 132%-140% after 3 days. All payouts to both LibertyReserve and PerfectMoney are still being processed instantly and we can see that interest in ProsperityStructure among investors is still high after five days online. Some statistics given by the admin Ryan confirm this as there are already over 750 registered users on the website and all the latest stats are also available including pay outs, investors and referrers top ten, and so on. So the experienced investors operating those stats can see the real picture of the program which looks kinda promising at the moment. Here is the full newsletter from ProsperityStructure where yesterday’s review on MNO was also mentioned:
“Hello dear ProsperityStructure members,
I’m sending you our second official newsletter. First off, I would like to thank everyone who supports ProsperityStructure. Your votes and feedbacks at investment forums are much appreciated.
I think it would be fair to say that ProsperityStructure is definitely one of the best high ROI program at the moment. We intend to pay high returns in a short term and focus on fast and automatic withdrawals which our members really enjoys. There are already $9,000 being paid out and all cashouts handled instantly.
Our current membership is almost 750 registered users and they have deposited $30,000 already. I’m sure these figures are pretty solid for the beginning (we are online for 5 days only).
Another great event is that Paul from Money-News-Online blog reviewed ProsperityStructure recently. For more detailed description of our program and investment plans, read what Paul has said on the review: http://money-news-online.com/blog/2010/10/09/08102010-prosperitystructure-review-and-daily-news-from-the-industry/
Please do not hesitate to contact me if you have any questions regarding ProsperityStructure. I try to stay on Live Support for as long as possible, so you can get in touch with me here: http://prosperitystructure.com/?a=support
That’s all for now. Enjoy your weekend and it’s time to tell your friends about this program, check this page for our promotional materials: http://prosperitystructure.com/?a=cust&page=banners
Best Regards, Ryan”.

It looks like EarnPlaza is also doing quite well and the admin of the program Matt (interviewed here) is doing everything possible to make it more convenient for investors. His recent action was to provide more communicative features that would allow the members to solve their issues and get a reply to their questions in the fastest most efficient way possible. So for that purpose there are four options added which you can see from reading the latest newsletter from Matt (he’s currently busy with the addition of phone support as well). I remind you that EarnPlaza offers investors three plans with payouts on expiry: 110% after 5 days, 130% after 10 days, 160% after 15 days. There are three payment processors currently accepted in EarnPlaza: LibertyReserve, PerfectMoney and AlertPay. More on the program can be read in my review published here. And this is the latest update:
“Hello, This week has been amazing for EarnPlaza, its getting more and more popular. I hope you all have a great weekend and I would like to inform that as I announced in previous newsletter new support ticket system has been added. From now you have four ways to contact me:
1. Support ticket system
2. Support email form
3. Live Support
4. Yahoo Messenger
Next week I hope I will finish work on support phone issue and EarnPlaza will have the best support in HYIP industry.
Yesterday I was really surprised when received email from GoldPoll admin Jeff that they has changed EarnPlaza status to a problem. Reason: site is inaccessible. It was really strange because there was no downtime at all and it was working fine for everyone. Anyway I have contacted Jeff about that and he has moved EarnPlaza back to a paying programs. I want to say thanks to Jeff, he fixed this really fast.
Well, that’s all for today. As usual all payments are processed and see you all soon.
Best regards, Matt Powell
EarnPlaza Support”.

As you might know the admin of FundsOMatic Randy (interviewed here) doesn’t issue his updates very often and in fact one update per week would be considered a lot for him. Well, I believe that instead of attracting new members he just prefers to do his job properly which means making payouts fast and handle the deposits. Really, Andy already earned the members trust a long time ago after running his previous autosurf program SurfOMatic for over a year where all the members ended up being in profit when it finally closed. Definitely even with such low-ROI returns like his new program FundsOMatic offers, investors are still eager to trust their money to Randy because he has proved himself many times in the past and is a highly capable admin that can run very successful programs. Look at FundsOMatic – after three and a half months online it has become a great success with #9 on MNO ranking despite such low-ROI plans like 0.8%-1.8% for 200 days and 7%-14% for 26 weeks with no principal returned on expiry. More on FundsOMatic can be read in my detailed review published here. Everything is going smoothly according Randy and he just updates the members to remind us of a few simple points:
– don’t make direct deposits to FundsOMatic but use your members’ area which will save time for yourself and the admin as this way your deposits will be credited instantly and you will be able to start earning interest straight away,
– since the program is large already with several thousand members the payouts should be paid within 24 hours after the request is submitted,
– explanation of the fees on different payment processors was given which will help you save a little but which will still accumulate some extra profits eventually,
– the rules of using spam filters when submitting support request were given,
– multiple accounts are not allowed and anybody attempting to do it will be dealt with severely,
– the ability of using forums (especially MMG) to solve your issues and post the payment proofs would be nice as the admin does appear there occasionally.
If you want to read more details about any of that please refer to the latest email newsletter from FundsOMatic which I’m republishing in full:
“Hello to our our long term and welcome to our many new members. I want to give an update and reminders on a few things that will help everyone.
While FundsOMatic is is just about 4 month old itself, In combination with our predecessor SurfOMatic I have been on line for almost over 2 years. This is an astonishing feat for an admin in this industry. With that said it is not any surprise that we are continuing to see new members every day and many first time deposits daily from existing members. As well with the increased amount of members comes increased questions and cash outs. I have been able to complete most in under 24 hours with the occasional ones going past. Because of this I want to remind everyone that it is normal as a program grows to have payments take time to be made.
Deposits are instantly credited to accounts when made from with in the system. I am not sure why there is a growing amount of direct payments to me in AlertPay. Most seem to be from the same up line. This is a very time consuming task to find the accounts and add the deposits. Please refrain from making direct payments to me so that your deposit is credited automatically.
Withdraws. While I do not have any fee for them the processors do. It has been brought to my attention by a few members that with LibertyReserve you pay the same fee on partial amounts or cents. The example i want to give as given to me was as follows. If you request 17.00 you receive after fees only 16.83. if you request 17.01 or 17.02 or 17.03 you STILL only receive 16.83. While this may not seem like a difference saving them pennies for a few days will add up. With AlertPay, keep in mind the fees with them are high as well each payment you receive.
Boxbe and spam filters, are great tools. If your using these before submitting a contact request you should add our e-mail address to the white list. If your taking the time to submit an issue I am sure you want the response, as well as being able to receive updates such as this.
Multiple accounts. They are not allowed don’t do it. It can not be any more simple of a concept. It has always been in the FAQ I am not sure why it is an issue or why it is attempted. Our system does track this and does stop and block accounts.
MMG. Even though I do not post all the time I try and read the forums and update from time to time. My ISP is having some troubles and MMG is among several sites I can not access. I have contacted some MMG mods to ask if they know of a proxy they will allow me to use. Besides MMG we are listed in a large variety of forums you can get a full list here. http://www.funds-o-matic.com/forums.php
I think that sums things up. FundsOMatic is going good and growing every day. I want to thank everyone who is doing their part to keep the success as strong as it is.
RandyM”.

The administration of YoKapital (reviewed here) let everybody know today that the payouts which are always automated would be processed a little bit later than usual. As of now, me and all other investors should get their Saturday profits to their LibertyReserve and PerfectMoney accounts so there is nothing to worry about. I remind you that YoKapital pays you 1.8% daily for 30 days and 2% daily starting from the 31st day forever. Your principal can be withdrawn after 30 days without fees so keep it in mind as YoKapital has been listed on MNO for 25 days already meaning that the first principal withdrawals can be requested pretty soon with 0% fees. Here is the latest update from YoKapital regarding the delayed payouts for today:
“This is Sabrina Agathine from YoKa Ltd. As we had mentioned last week, we are taking our regular weekend break every Saturday.
So, today’s payouts will be delayed by a few hours at 1800 GMT.
We thank you for your patience and co operation.
Regards. Sabrina. YoKapital.”

The site of GloTrade (reviewed here) was inaccessible for me for the whole day, however, I was paid on my investment plan which doubled my money in 25 days. GloTrade has been listed on MNO for 45 days now and has been paying to LibertyReserve, PerfectMoney and bank deposits from the following plans: 110% after 5 days, 150% after 15 days, 200% after 25 days, 300% after 40 days. I decided to double my money once again today so I reinvested into the 200% after 25 days plan. We will see if GloTrade will not disappoint me this time either.

I would like to express my sincere gratitude to Tony, the admin of the HYIPBlogger site and the moderator of the MNO forum. In my opinion, he wrote a really comprehensive review and overview of the MNO blog and other features of my site and anyone not a long term reader and not familiar with me can read his article here. It’s very good to see that somebody from this industry actually understands and shares your point of view on how things really work while he tries to educate his readers at the same time. I was really pleased to find some appraisal from a man who knows exactly how things work in the HYIP industry and it was different to see my work appreciated for a change. I mean it’s really hard to find some friends in this often harsh atmosphere full of referral sharks and low grade conmen capable of doing anything for money, except earning it honestly that is. But HYIPBlogger represents a different side of the business and right from the very beginning I could see that he was much more in tune with the real world than many other HYIP related websites. I would consider him a friend now (like I consider some of my readers as well). That’s why I offered Tony the position of moderator on my forum and I believe you find his articles there interesting. Among the recent articles penned by him include one where he pointed out some interesting points entitled “Safety in the Industry” (if you’re curious about this article you can find it on MNO forum here). Again I would like to thank Tony for his article on MNO which came to me as a total surprise by the way and you can read it on the HYIPBlogger website here.

The latest addition to my Premium list today was InnoClub. The program launched two weeks ago and offers from 2.5% to 5% daily return for 80 calendar days. Please note that the minimum deposit is $3 and the daily profit interest is fixed so the bigger your deposit the bigger your profit. The accepted payment processors in InnoClub are LibertyReserve and PerfectMoney and your principal is included in the daily payouts. InnoClub utilizes a unique script which I’ve never seen before and in order to get your money from your account you should request a withdrawal which will be paid within 24 hours. InnoClub is hosted on a dedicated Staminus server with DdosWiz protection and SSL connection for secure transactions. The admin has a lot of plans for the future including a French and Spanish version of the site and bi-lingual Spanish and English phone support which is going to be introduced within the next couple of weeks. So all developments from now on about InnoClub will be reported on MNO. You should also expect a more detailed review of the program early next week.

Tomorrow though I plan to take a day off from all the updates and will only publish the interview with the admin of InternationalCommerce which I received recently. I hope it will be ok for you as I will return refreshed and with all the important updates from the industry on Monday.

To finish here is the list of the programs that paid me for the last 24 hours:
PandaTrade (the first payment received), FundsOMatic, EzProfit, UniteTrade, OrderDollar, Vodapex, OnyxInvClub, Budgetiva, InternationalCommerce, FutureTrails, Flamanta, FenixTrust, MutualTreaty, PawnShopFund, ProsperityStructure, OilStructure, OptimumPride, GloTrade, CurioHunters, YoKapital, GrapeVineFunds, ReProFinance, GroupUniversal, RedOrchidInvest, FiboTradePro, VividTrade, CheryShares, GainBucks, WorldPrivateFunds and TradersPower.

I wish you a good weekend and enjoy your Sunday and hope to see you all on MNO tomorrow! Good luck with your investments, guys!