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

Hi everyone! Before the news I have one brand new short term program that I’d like to tell you about called LrPmBrokers. Before we start I think there is something we need to be absolutely clear about. There’s no point in glossing over the facts here, it hasn’t been a good day for short term HYIPs. No need to go into detail about why here as it’s covered in my news section further down the page. But do keep yourselves aware of the fact that opportunities to earn from short term HYIPs are very real, but also an unpredictable thing at the best of times, and more so in December for reasons covered in my recent article on the subject here.

As for the plans (the bit you really want to know about) there are eight of them in total that range from making hourly payments for just one day up to on expiry payments after just under a month (not advisable). There are over 70 varieties contained within those plans with your interest payments depending on how much you spend. Don’t worry though, I’m not going to go into such detail here. Many of them are only for tens of thousands of dollars and there one suspects to attract the attention of those with more money than sense. I’ll just give you the basics that most HYIP players will want to know about, anyone looking for details on what LrPmBrokers are offering in return for 50 or 100 thousand dollars can log into the members area for themselves and find out. But for a game like this you’ll surely agree it’s better to keep a little closer to the minimum rather than maximum deposits.

It all starts of with a 1 day plan. You will be paid on expiry at the end of it and your principal will be counted as part of your final payment. It costs a $10 minimum to join and for anything up to a $100 maximum LrPmBrokers are willing to make a 105% return. So simply put, invest $100 today and get back $105 tomorrow. Higher rates are available to those making higher spends and will be calculated as follows:
$101 to $200 will earn 105.3%, $201 to $500 will earn 105.6%, $501 to $1,000 will earn 106%, and from $1,001 to $2,000 will earn 106.5%.
This continues all the way up to $100,000 but I imagine few of you are tempted to past the options I have described here. Check out LrPmBrokers if you are.

The next plan runs for a term of 2 days and also pays on expiry. Profits are only just barely above what you would receive by joining the previous plan (with the same principal) twice, and even closer again if you were to re-invest your principal with the profit as well. So it may not be suitable to everyone. But anyway, for a minimum deposit of $10 and up to a maximum of $100 you will be paid 110.5% on expiry, principal included. Which of course means that $100 spent here will see you earn back $110.50 on expiry. LrPmBrokers other offers include:
111.1% on $101 to $200, 111.7% on $201 to $500, 112.5% on $501 to $1,000, and 113.5% for $1,001 to $2,000.
Once again you are free to deposit a great deal more than that if you wish, and the rates are on the LrPmBrokers website.

LrPmBrokers third plan follows the same pattern. It runs for a 3 day term and makes payments on expiry that include your principal. It costs the same $10 minimum to join and anything up to $100 will get you 116% returned. So simply put a $100 investment here gets you back $116. Other rates include:
116.9% for $101 to $200, 117.8% for $201 to $500, 119% for $501 to $1,000, and 120.5% for deposits between $1,001 and $2,000.
You’ll be a braver man that I to go above that but if you like your chances then see the members are for further information.

Things change around a bit for LrPmBrokers fourth plan and are definitely more interesting. The next plan is probably the best in my own opinion so if you’re interested in a gamble you want to think about this one first. Granted it may not look like the most profitable but it is the safest. When you consider that short term HYIPs can vanish without any notice these next couple of plans afford you the luxury of being able to claw back some of your money up until practically the last minute before the program goes down. So when I say they are the best, what I actually mean is they are the safest. But don’t let that put you off the others if you enjoy a gamble.

This fourth plan runs for 24 hours, during which you can get hourly payments. Your principal will be factored into this and will not be returned. So for a minimum $10 spend up to a maximum $100 you can earn 4.3% interest every hour for 24 hours. That adds up to a total of 103.2%, or in monetary terms a $100 spend brings in $4.30 every hour up to a total of $103.20. Larger investments can earn as follows:
4.33% per hour for $101 to $200 (103.92% in total), 4.36% per hour for $201 to $500 (104.64% in total), 4.4% per hour for $501 to $1,000 (105.6% in total), and 4.44% on deposits between $1,001 and $2,000 (106.56% in total).
Information relating to larger deposits can be found in your members area.

Then we come to another hourly plan. This time the investment term is 48 hours and LrPmBrokers also count your principal as part of the payments. Available rates starting with a $10 minimum investment up to $100 are calculated at 2.16% per hour for 48 hours. Total interest accumulates to 103.68%. So a $100 spend here will bring in $2.16 every hour to a total value of $103.68. Larger deposits earn as follows:
$101 to $200 will earn 2.17% per hour (104.16% in total), $201 to $500 will earn 2.19% per hour (105.12% in total), $501 to $1,000 will earn 2.21% per hour (106.08% in total), and amounts between $1,001 and $2,000 will earn 2.23% per hour (107.04% in total).
For rates applicable to larger deposits you should again check your LrPmBrokers members area.

To be perfectly blunt I don’t see much sense in this second hourly plan at all. It only pays mere pennies more than the other 24 hourly plan on anything other than massive deposits, except in the other one you get paid and into almost the same profit a whole lot faster.

Now we move on to a plan that makes daily payments. The duration of the plan is 2 days and LrPmBrokers will make one interest payment per day for the duration. Your principal is counted as part of the payments. For a $10 minimum up to a $100 maximum you can earn 55.25% per day, which totals at 110.5%. Or in other words for a $100 spend you can get back $55.25 per day and $110.50 in total. If you wish to make a larger deposit you can expect the following:
55.55% per day on $101 to $200 (111.1% total), 55.85% per day for $201 to $500 (111.7% total), 56.25% for $501 to $1,000 (112.5% in total), and 56.75% on amounts between $1,001 and $2,000 (113.5% in total).
Of course you’re free to take a chance with a bigger amount than that if you wish, and can find further details on the LrPmBrokers website.

The next plans are for informational purposes only. The first one makes one single payout on expiry after a term of 29 calendar days. It only costs $10 to join, but to be perfectly honest LrPmBrokers is unlikely to be around long enough for you to take advantage. That’s not to detract from the previous plans and LrPmBrokers do offer some opportunities for profit making, but it’s just not going to be in this one. But for the record here’s the main points:
174% paid on expiry for $10 to $100, 203% paid on $101 to $200, 232% on amounts from $201 to $500, 261% for deposits between $501 and $1000, and 290% paid out on deposits between $1,001 and $2,000.
Maximum deposit is $100,000 (as it is in all LrPmBrokers plans) and for what they offer up to that check their website for yourself.

Just as a curiosity (maybe even amusement) there is one other plan that offers to double your money after just 1 day. It costs a $50,000 minimum to join and I only mention it because I still haven’t finished shaking my head in disbelief! But it’s there for your consideration.

As you may have probably guessed from the name, LrPmBrokers are dealing exclusively with LibertyReserve and PerfectMoney. So forget about refunds if you lose this particular gamble, but let it be a reminder not to spend beyond your means anyway. On the plus side payouts are instant, as would be vital for any program making hourly payments. Just log into your account and request them and you should have them in your e-currency account within minutes.

The Christmas season notwithstanding, LrPmBrokers is actually a very high quality program. The timing is unlikely to help much but the website of LrPmBrokers looks very professional and the nicely made flash header and well made overall layout will definitely attract more investors into it. Though they might be overdoing just a tad, as the graphics and the music (which I muted instantly!) tend to slow things up a bit for those using less powerful computers. The security is also on the highest level with SSL encryption, a licensed GoldCoders script on use and hosting on a dedicated and well protected server by Dragonara from possible DDoS attacks. We can see that the admin of LrPmBrokers didn’t spare any money or effort in making positive first impression on prospective investors who usually remain quite skeptical about joining short term programs during Black December. Contact with the admin for any further questions or support related issues is made by filling in your details and submitting them on the support form provided.

All I can really say in finishing is that there is definitely a chance to score a couple of bucks here, and it’s limited. But it’s still there. Just don’t be dependent on one program and don’t wait around too long, unless that is you’re passing on this one. Keep the spending at a reasonable level, and enjoy the game.

DAILY NEWS FROM THE INDUSTRY.

Unfortunately, it looks like last night the final payments to AlertPay from CazaInvestment have been processed. But the real problem is the program has been moved to Problem status on MNO today because payments to LibertyReserve totally stopped and are pending for longer than the agreed term of 48 hours. Plus I got one confirmed complaint today from an investor that cannot be disputed. I would give the program the benefit of the doubt under other circumstances but now the thing about CazaInvestment now is the silence of the admin. He didn’t reply to me for over 24 hours and I guess he has no excuses left anymore. Well, I can’t complain really because CazaInvestment ran off course and it was almost a miracle that it lasted for so many days after the alleged hacking of their LR account left them broke. It’s obvious that the admin of CazaInvestment refused to pay to LibertyReserve this time not because another account was hacked but just because he doesn’t need the money in their AlertPay and is trying to extend its lifetime by selectively paying to AP and therefore attract more LR deposits. Well, the deposits from LibertyReserve to CazaInvestment are definitely not recommended at this point. Although I can’t exclude the chance that CazaInvestment will continue paying to AlertPay for some time but you know that it will eventually collapse anyway. So you know the drill here! I guess CazaInvestment was still a good program which managed to survive for a full seven weeks despite all the sorts of problems it had to face for the last couple of weeks. I didn’t expect it would last for so long, but now it looks to me that the game is finally over. So please do not invest in this program anymore!

There was not a whole lot of other news to report for today either. I noticed only that ECashBroker has added two more payment processors besides LibertyReserve: PerfectMoney and AlertPay. Probably you have to contact the admin to send him the payment details manually to add them to your accounts because I found no way of how to do it in my account in ECashBroker. There was also no official news from ECashBroker about it, so I guess the news about that will be issued soon. I will keep you updated about that on my blog. If you want to read more about the program and the investment plans it’s offering please refer to my detailed review of ECashBroker published here.

The list of the programs that paid me today are shown below:
LrPmBrokers, FenixTrust, ProfitEu, FelixFunds, MutualTreaty, Greenvestment, FutureTrails, XSeedFinance, Konstant, PandaTrade, ReProFinance, TetraMetals, YamaFinance, FiboTradePro, AllianceAdvantage, AvatarSurf, RussianOilFund, ECashBroker, 144CashAds, UnicornInv, FondosMayores, FxEconomy, OnlineMoneyInvest,  AssetManagement, Flamanta, RevenueBuild, TerraProfits, RedOrchidInvest, GainBucks and YesInvestment.

I would like to make a small analysis of the poll that is currently running on my blog and will continue to run for a few more days. It looks like we have some interesting results here.

I remind you that I was curious to know what your investment strategy for the Black December season is (please read more about that in my MNOFridays article here).

At the time of writing we had the most popular option with 36% of the votes – “I will skip this month completely and will not invest in any HYIPs until the new year.” It looks like many investors were quite disgruntled by the recent collapse of a number of good and well-paying programs during the last few weeks. The final blow was CherryShares which many were convinced would survive this dangerous period. Obviously they were too huge at that point compared to last year’s Christmas period and was not able to withstand the negativity and criticism which they themselves caused by some sudden changes made recently. Anyway, it looks like most of the investors prefer to sit on the fence and wait for the storm to pass and the skies to clear up for the next big season in 2011. And I can’t blame them for that as the money saved during this period can be put to better use in the coming year.

The second most popular option which was supported by 34% of the voters so far is – “I will be investing in the programs that have a better chance to survive Christmas and stay in 2011 as I believe I can make more money this way.” This is also quite an understandable and reasonable choice of strategy. As you know, many low-ROI quality HYIPs that will be hits in the beginning of 2011 prefer to get their first investors in December simply to make itself more established and be better prepared for the upcoming fierce competition for investors’ money that will undoubtedly follow in 2011. That’s why investing in the programs which you feel can easily survive the Christmas period might be not a bad strategy at all.

The next option with 15% chose this option – “It’s a dangerous period and I know it so will keep my investments to an affordable minimum.” This is a very cautious but wise approach when you can actually still be updated on the latest trends in the HYIP industry and at the same time risk only small affordable amounts. Then in the beginning of 2011 you will be better informed and prepared than others to make your investment decisions which can help you win in HYIPs in general.

The least popular option supported by only 11% is – “I will be investing as usual as I don’t believe December is always bad. There is still a lot of opportunities there.” Well, these people look for every opportunity everywhere and believe that they will be able to find a true investment gem even during the hard times. Really, maybe it will pay off to find something really worth it when others are cautious and prefer to wait. Anyway, many people in the real financial world make a lot of money on finding out such perfect opportunities at the right time. So who knows how it will work out for you.

The pure gamers which still believe they can go against the trend and get some easy festive money to spend are only 4% which chose to answer – “I will still try to make some money in HYIPs during December because I need some easy money for Christmas.” I guess such people will still be looking for some promising short-term programs as only this way you can achieve this goal. Anyway, whatever you do remember that many HYIP admins will be also here in December for some fast easy money. So be careful when playing them and good-luck in your bold attempts!

As you can see there is a plenty of choices to follow in Black December but none of them can guarantee you success. You and only you are responsible for your investment decisions and I sincerely wish you good luck if you prefer to stay in the industry this December.

The poll is still running and is located on the bottom of the right sidebar of my blog. I look forward to seeing your votes and opinions on Black December so hopefully we will have something else to analyze when the poll is finished by the end of this week. Thanks a lot for your active participation, guys!

Also do not forget that the voting on EcommerceJournal to find out The best e-commerce blog of 2010 is still going on and I would like to thank each of you personally who voted for my blog in this competition. I assure you that MNO will do its best to become even more popular and useful for its readers in the coming 2011.

I hope you are finding the Christmas spirit already and started to buy presents for your close friends and family. I wish you the very best and hope to see you on MNO tomorrow with more news from the HYIP industry!