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

Hi everybody! Well, if you’re looking for some respite from all the short term games coming and going in the last week or two then there are certainly a couple of alternative for you to think about on MNO this week. Not quite as complex as last night’s new program, this evening I want to take a look at a more medium term HYI project called CazaInvestment.

While not a totally new project it’s still fairly recent and online since late October. It’s partially my fault that I didn’t get around to reviewing this one a couple of days ago but the fact is that there were others in the queue ahead of them. Not to worry however, as long as CazaInvestment is run properly then there’s plenty of time to make a profit from plans like these. There are two to select from including a medium term plan with daily payments and a faster one that only pays by the week.

Starting with the longer of the two, it’s called The Caza Exclusive Plan and it runs for a term of 45 calendar days. It will cost you a minimum of just $10 to join so there’s no excuse for gambling too much, but as long as you can afford it CazaInvestment will accept anything up to a maximum of $5,000 which is relatively conservative compared to most of their competitors. Though it scarcely matters if you haven’t got it to begin with I suppose.

Anyway, for the 45 day duration CazaInvestment offer a daily payment of 3.2% interest on your principal. You won’t be getting that back by the way so remember that it’s counted as part of your payments. The total return by the end of the cycle will be 144%. So if we take a $100 spend as a simple example, you get back $3.20 per day, break even after 32 days, and finish with $144. What could be easier?

The second option is called The Caza Executive Plan and I have to say I have a problem with this one. Not because it’s a bad plan or anything (it’s fine) but because it’s worded very badly and could easily be misleading to someone less fluent in English. So make sure you take a good close look before making any decisions.

The minimum spend goes up to $50 this time with the maximum stretching to $10,000. The investment term runs for a period of 21 calendar days, and this is where some of you may get confused. Under the terms and conditions CazaInvestment will credit your account with a daily interest payment, however you are only allowed to withdraw this once per week. The daily interest rate is 6.5% but it would really be a lot more accurate if they said the weekly interest rate was 45.5%. That adds up to 136.5% interest in total which can be considered as profit because this time CazaInvestment will be returning your principal at the end of the cycle.

So if we look at another $100 example for this plan (keeping in mind that you’re free to join both of them if that’s what you want) CazaInvestment will credit your account with $6.50 per day of which you may only withdraw a total of $45.50 once per week. At the end of the term that will amount to $136.50, and your initial hundred then gets handed back.

We can plainly see that there are advantages and disadvantages to both. On one hand the second plan looks more lucrative and with a shorter term may even look less risky. But then one needs to consider the fact that it costs a lot more to join and only pays you once every seven days. So it may not be quite so much more attractive as the first plan as you may initially think. Still, if you’re in this business to make easy money (and who isn’t?!) then consider the risk versus the reward and split your investment along lines that best favor you.

The list of payment processors isn’t bad but like the plans could do with a little tidying up. AlertPay, LibertyReserve, and PerfectMoney are all accepted. The website also says that SolidTrustPay is also available. At this point STP is not in fact accepted but the admin assures me they are just waiting on their verification procedures to be completed. Payments are manual and so will need to be requested. The admin requires a maximum of 24 hours to get everything done. And for those who like compounding, that’s a feature on offer here too.

CazaInvestment is running on a dedicated Staminus server with Koddos protection and is running off the ever popular popular licensed GoldCoders script. SSL encryption is not in use. Any support related issues can be raised with the admin by filling in your details in the ticketing form on the contacts page and submitting. A Live Chat feature is also enabled on the website though there is nothing to indicate when, if ever, it works. There is a postal address in Cyprus (or to be precise there is a PO Box number in Cyprus) where the company claims to be registered. There is a telephone number as well as a fax number and an e-mail address where you can contact the admin directly.

For those interested in such things – or at least more interested than me – CazaInvestment claim to be involved in the field of oil and gas. Doing what exactly with that oil and gas (pumping it for all I know!) isn’t really explained so if it matters to you then feel free to research the subject yourself. Texts appear largely original though so I guess the admin gets a bonus point for that. But approaching this as I do, ie purely as an online HYIP based game I can see how CazaInvestment might appeal to fans of short term programs though without the high risk carried by some recent programs.

That’s not to say that the risk isn’t there of course, it is and it’s still very real, but the plans are a bit more sustainable this time so your chances are reasonable enough. The first investors aren’t in profit just yet, (they’re getting close to it though), so keep an eye on MNO and I’ll let you know when that happens.

DAILY NEWS FROM THE INDUSTRY.

After yesterday’s collapse of UniteTrade my inbox was inundated with so many emails from investors asking if I could help them to get a refund from the admin of the program Andy. So I would like to point out that since the website is offline already he’s probably not receiving my emails anymore as they were sent to admin@unitetrade.com That’s why I cannot help you, guys, sorry for that! It was specified though on MNO many times that UniteTrade was a very well organized but still risky HYIP venture. Please be aware that all the HYIPs listed on MNO do not guarantee your money is safe and secure and involve quite a bit of risk if you invest in them. So never invest what you cannot afford to lose and always diversify your investments!

The thing I would like to discuss on MNO today will not be about the short-term games and the secrets of winning. It will be about the possible consequences of the collapse huge programs that will definitely affect and even shake the industry in the short term. Some people told me that the collapse of UniteTrade would even mark the end of short-term programs. Well, this could be true but only temporarily as we lost the undoubted leader which will impact others for sure.

First of all, if some programs piggybacked on UniteTrade they could be in trouble. I mean it was a very logical solution for some HYIP admins just to invest money trusted to them by their investors in UniteTrade and forget about the problems of generating more money. At the same time once a program collapses such tactics could be dangerous and might lead to the difficulties in money management for the piggybacking HYIPs and spell their subsequent closure too. I hope more admins have gotten smarter these days and didn’t depend on this, otherwise there could be some more closures in the near future.

Anther popular viewpoint is that with the collapse of UniteTrade the industry is finished as well. A bit extreme that but at least the confidence in short-term programs is now well and truly shattered. From my experience any gap in in this industry is filled quickly. Most investors will always play these games and of course the collapse of UniteTrade will not stop them. By the way, straight after this unfortunate event I noticed that interest shifted to another program that definitely has a good chance to replace UniteTrade in the near future. EarnPlaza (reviewed here) whose plans of 110% after 5 days, 130% after 10 days and 160% after 15 days and over 6 weeks online already gained huge interest from investors (especially AlertPay holders). Really, the payments in EarnPlaza have been fast so far and its admin Matt (interviewed here) is always ready to help you if you have some problem. So why not EarnPlaza? It might happen with the proper management for sure and it all depends on Matt’s efforts now.

By the way, just an hour ago I received an extended newsletter from the admin of EarnPlaza Matt who answered some rumors and addressed speculations about EarnPlaza and his alleged connection with the recent scams UniteTrade and SolarisTrade (more on the latter one below). I myself felt some very positive vibes from this update and the eagerness of Matt to replace the suddenly demised UniteTrade. Anyway, he’s doing everything possible to achieve this including adding some more useful features on his website accompanied with various weekly promotions. More on that can be read in the latest newsletter from EarnPlaza where we could hear the honest opinion of Matt and his thoughts of the industry which was really quite interesting and refreshing. Here is the full newsletter from him:
“Well, lot of things happened in those days so I think its a right time for a next newsletter. Lets start from a positive news. Technical team has started update of a support page and members area. We will finish update by the end of this night. As many of you has requested, we will add calculator to a deposit page, members area page will also have a new look by the end of this night. I hope you will like it. As I promised now we have three language live supports: English, Hungarian, Russian. English live support will be provided by Nick as it was in past, Hungarian live support will be provided by Szabolcs and Russian live support by Andrei. I am sure it will help our investors to get a quicker reply. Soon I will add more live chat languages, just stay tuned.
In past few days I have received many emails about UniteTrade collapse. Dear investors, please note that I know about this not more than a most of you and I have no info for you on this question. There is a lot of questions like will EarnPlaza stay after UniteTrade collapse? Well, why should this affect EarnPlaza? I dont see any reason honestly. Yes, sometimes this happens in HYIP industry but we have to move on. There is a still a lot of big programs online, still a lot of trust from a members and I am sure summer HYIP crisis wont hit this industry now. After UniteTrade collapse EarnPlaza become really hot program and cashflow is a huge so there is no reason to think that it will affect EarnPlaza. More to say I hope that members will be able to recover their UniteTrade losses at EarnPlaza. There are also rumours that I am admin of UniteTrade and SolarisTrade. Well, I am spending all my time from early morning till a late night for EarnPlaza project so its a simply impossible to manage any other programs. Anyway I am not suprised about that, I was sure that some people will think so after UniteTrade close. So I can say for sure that I am NOT connected with UniteTrade or any other program. I hope everyone will understand that.
I have added a new weekly special. This week we will have a 8% bonus on a PerfectMoney deposits starting from $500. For example, if you will invest $500 via PM then your deposit will be $540. I really hope that this weekly special will have same popularity as previous weekly specials had.
Okay, thats all for today. See you very soon with a more news. All payments are processed as usual, thanks for choosing EarnPlaza.
Best Regards, Matt Powell
EarnPlaza Support”.

Due to the collapse and unstable performance for the majority of short-term HYIPs I can also predict the shifting of investors interest to a more established and more predictable (though not so profitable) long-term programs in the near future. Such established leaders among long-term programs like CherryShares (reviewed here) and OilStructure (reviewed here) are leading the way while many others are following in their tracks now in hope of becoming as big as they are. So in my subjective opinion this is the course the industry is going to take over the next couple of months until we enter 2011. The programs that will survive the Christmas period have very good chances to continue into the new year and beyond. Very few programs will come through this but they will be the ones that will reap the rewards of their patience and stable performance in the long run – I’m pretty sure of that.

By the way, speaking of closures – another very fast collapse was SolarisTrade. Well, to tell you the truth, I didn’t expect much from them anyway with such unsustainable plans but here again – only five days online is what we have here is definitely not enough to call it success. Fairly speaking the admin of SolarisTrade did reply to me today in response to my query about the halted instant payouts and said the same old story repeated by the admin of StablEarn yesterday (I wonder if it’s the same person) – that his LibertyReserve account was hacked and he could do nothing about it. Most of the monitors apart from MNO still show Paying status of the program but you’re probably aware by now that most of them cannot be trusted in that. So I would advise you to stop investments into SolarisTrade if you don’t want to lose it.

Don’t you think that the scammers become more and more predictable and less original nowadays? Well, you might remember that the afore mentioned StablEarn which scammed a couple of days ago sent a very cheerful update last night packed with lies and I imagined that his following email would be about changing your LR settings in order to receive your pendings (read – line the pockets of the admin with the stolen money from your LR). I don’t want to waste time and space on reposting such nonsense emails anymore, but if you want to let this scammer and liar empty your LibertyReserve account please carefully follow the instructions sent to your emailbox today. Otherwise, stay away from StablEarn scam!

Well, enough of scams for today, lol. Let’s talk about good and paying programs. I’m aware that some people are still awaiting for their withdrawals from FundsOMatic (reviewed here) but the admin is working hard on catching up with the pending payouts and I already saw some payment proofs today. I’m sure everybody invested in FundsOMatic will be in profit as Randy promised and we just need to remain patient during this process. In addition to many pending payouts which have to be cleared by Randy he also faced a DDoS attack which only complicated matters. Well, let’s hope that the pending payouts will be paid soon and everything with the newly introduced 130% profit gap will be established properly which will enable FundsOMatic to keep going. I will report on my blog all the news concerning FundsOMatic of course and here is the latest email I received from Randy lately:
“As many of you know that we were hit hard by a massive DDos yesterday. This was a DDos that was a database attack.
Hosting has finally been able to fix the user table.
This attack and site down has only caused more delays. I want to assure everyone that I am doing my best and that I am still around.
It is very important that when i mail that all members read it. I dont mail often so when i do it is usually important.
I tried to mail yesterday and it seems that some got it several times while others did not get it at all. This makes Forums a vital part of communication.
Please do not continue to mail and ask the same thing over and over as it is not fair for others to be further delayed buy such repetition.
I also want to express my gratitude to all that are keeping things calm and reiterating that the right thing is and will be done.
RandyM”.

A short update from the admin of GWDConline program has been sent today. It contained no real news and only reported about the processed payouts and reminded about the necessary support the members of GWDConline should show to the program on forums. Here is the latest from GWDConline:
“Sunday and All Saints Day Wealth Disbursements have been disbursed. Please take a moment and drop by the forums and visit the monitors and help others share in the redistributive wealth program.
If you have any questions, concerns or need support, please make sure to contact us here: http://www.GWDCOnline.com/support.php
Albert. Global Wealth Distribution Center. GWDConline”.
I remind you that GWDConline launched just 11 days ago and offers one single plan (3% for 40 days) with the daily payouts processed to LibertyReserve, PerfectMoney, GlobalDigitalPay and AlertPay payment processors. More on that read in my detailed review of the program published here.

Finally the administration of CazaInvestment (which was just reviewed above) promised that SolidTrustPay and Bank Wire deposits which are featured on the program’s banners would be available soon. So far CazaInvestment only accepts LibertyReserve, PerfectMoney and AlertPay deposits. By the way, in order to encourage members’ activity the admin will be offering some bonuses on every post-payment proof done by its members on the major forums. Read all the details in the latest newsletter from CazaInvestment:
“Hello. Happy New Month Today! As a team CazaInvestment have come together to take a decision that would favour our members as well as help to promote on project; We are going to be offering bonuses on every post a member make on forum to address concerns, challenges and possible way to improve the growth of our project on MMG, TG and DTM forum, This post also include payment proves, we need to let the general public know we are keeping to our payment plans.
Finally, we hope to add SolidTrustPay and BankWire within the shortest time. Have a great day having fun with CazaInvestment.
Thanks, Pally Eppie.
Relations Officer – CazaInvestment”.

You might remember that I already reported on my blog yesterday that GroupUniversal (reviewed here) changed its plans to shorter term and now pays 4%-5.5% for 40 business days on deposits starting from $25. I was also wondering why the plans’ description was only available on the main page while in the members’ area there were still old plans featured. Well, it looks like GroupUniversal fixed this issue already and now you can make your deposits from your members’ area in the program:
“Hello Dear members.
We have done the deposit page and you can invest with our new investment plans easily right now.
Please login to your account and try “Make an investment” section.
Best Regards. GroupUniversal.”

The administration of FondosMayores (reviewed here) made some minor changes in the referral system and disallowed commissions for non-upgraded members. I guess this will be the right decision which indicates the willingness of the administration to concentrate only on support of those with an active deposit into one of the plans: 1.2% for 125 business days, 1.5% for 100 business days, 2% for 75 business days, 0.55% daily until you reach 200% or 5%-8% weekly until you reach 300%. Here is the last short update from FondosMayores:
“Dear Member: This new notice will be added soon in our FAQ Section.
No withdrawal of referral commissions will be paid if you are not an active investor in our program.
Thanks for your support.
The FondosMayores Administration Team”.

I would like to announce the addition of two low-ROI programs on MNO tonight. The first is AssetManagement (also known under the name of SafeAsset). The program launched two weeks ago although states on its website that it’s been running since 1999. Well, we all know to take these things with a grain of salt and we can assume it’s real running time is when it began to be featured on forums and monitoring sites. Anyway, AssetManagement is a very well laid-out site with an original and unique script, phone number and address in Denmark (yet to be verified), SSL encryption and hosting on a dedicated server by a Dutch hosting provider Leaseweb (according to the admin their site is DDoS protected as well). AssetManagement accepts LibertyReserve and PerfectMoney (the minimum to invest is $10) along with Bank wires (with a $1000 investment minimum). The program offers one investment plan of 1.3%-1.5% for 365 days with the payouts credited on business days only. It looks that AssetManagement tries very hard to make an impression on prospective investors and my overall first impression has been good so far. However, I look forward to finding out more before reviewing AssetManagement on my blog in a couple of days. Stay tuned for that review, guys!

The second program which I’m very excited about is InvestPlatforms. While the program is not brand-new and is running since August, 2010 their new stage of development actually starts now at the beginning of November and I’m pretty excited that they chosen MNO as their advertising partner at this time. The most important news about InvestPlatforms recently was the addition of AlertPay to the already accepted LibertyReserve and Bank Wires. Here is the news I found on the website of InvestPlatforms regarding this:
“Dear Investors,
You may now make your deposits through our Alert Pay payment processor (Asia One Assets Business Account)
– VISA, Masters , American Express
– Direct Bank Transfer to Alert Pay account
– VeriSign Secured Payment Processor
– Top Notch Security Payment Processor
– Anti-Fraud System
At InvestPlatforms, We always find the Safest Way to shelter your investments. We aim to deliver Peace at mind investment services always!
Warmest Regards, Customers Support. InvestPlatforms”.

That’s not all from InvestPlatforms. They also added a couple of new plans which are paying a very conservative monthly return though which will still be significantly better than the less realistic ones offered by many others. However, if you’re a regular HYIP investor I believe you will be more interested in two other plans which pays variable interest on every business day with a lock-in period on your investments of 120 calendar days. So for the amounts less than $5K (the minimum is $10) you will be paid from 1.2% to 1.5% variable interest on every business day, and for larger amounts this range increases to 1.6%-2% variable interest on every business day.

Of course I will review thoroughly all the plans by tomorrow. Tonight I just wanted to say that I’m pretty impressed with InvestPlatforms and its features: a unique and secured script, email and Skype support with an address in Vietnam and registered company Asia One Assets (they even invited me to visit their office but I think I’ll pass on this offer), a strategy of gradual development of InvestPlatforms website with adding more features and services (the new plans and the addition of AlertPay is a part of that strategy), the SSL-encrypted site and the hosting on a dedicated server by SparkStation (the name is unknown to me though). The most important thing I like about InvestPlatforms site is their support which was one of the best I have ever encountered in the business. They are very polite, sound very professional to me and very fast in replying providing you with detailed answers to any of your questions. So I guess I will have to ask them a couple of more questions before I’m ready to publish the review of InvestPlatforms on MNO tomorrow. So check it out if you wish to know more about them!

I have been paid today by the following programs featured on MNO:
GWDConline, EuroInvestOnline, PandaTrade, TerraProfits, FutureTrails, 144CashAds, YamaFinance, OilStructure, ReProFinance, PawnShopFund, MutualTreaty, InternationalCommerce, FondosMayores, Flamanta, FenixTrust, EarnPlaza, CazaInvestment, CherryShares, Vodapex, GainBucks, FxEconomy, OptimumPride, FiboTradePro and RedOrchidInvest.

Also I just received complaints about the pending payouts from Vodapex but I think it’s too early to move them to Problem status yet. But I have contacted the admin of the program regarding the pending cashouts and received the following reply:
“Hi, Some people received multiple payments recently. The auto pay script is being re-written and tested. It should be enabled again shortly.”
At the time of writing new deposits in Vodapex are not recommended and I will update you on MNO when the payments from them are back to normal again.

That’s it for today, guys. I hope to see you on my blog tomorrow with the detailed review of InvestPlatforms more news from the industry. Stay on the money – stay with MNO!