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

Hi everybody! After a ropey couple of hours yesterday because of hosting issues the program I want to look at before today’s news is back in full swing. It’s a brand new short to medium term HYIP called MetalicFund and they’ve been running for the last two days. I know most of you have some well grounded concerns about new programs at this time of year (believe me, I share them) but the admin here has done a little bit extra to make his program stand out from most of the newer and shorter term games we see at the moment, so hopefully MetalicFund will be in a better position to survive.

For one thing the plans are – by short term HYIP standards – relatively conservative. On one hand they’re profitable enough to make them attractive to short term players and fans of high ROI programs, but on the other hand there isn’t anything to put a massive drain on the funds either. Were the program to get the proper support then it could be a hit, though that’s one variant I can’t really comment on. I’ll just stick to the facts and we’ll see where MetalicFund goes from here.

There’s only two plans made available that you need to think about. One of them a short term one and the other a lower interest though ultimately more profitable medium term offer. So anyway, starting with what they call The Premium Plan, for a 12 day investment term MetalicFund offers daily interest payments of 10%. If that sounds a bit high to be sustainable then keep in mind that your principal is already counted as part of the payments so when your final earnings come to 120% remember that just 20% of that is actual profit. The minimum investment is a pretty steep $50 which despite the plan itself being moderately sustainable may frighten of many of the smaller time players. We’ll see how that works out in time, but there is a less expensive option open to you with the next plan. Maximum spend is $10,000.

If that’s not for you then MetalicFund offer a more affordable alternative called The Classic Plan. This one costs a more reasonable $10 minimum to join and runs for 45 calendar days. During the term you are offered daily interest payments of 5% which will eventually add up to 225% by the end. At this point you may be tempted to think that in the long term it might be more profitable to just keep re-investing in the previous shorter term plan. Not so. The admin has countered this by returning your principal on expiry thus making the final 225% total profit.

For instance, a $100 investment would bring in $5 per day. That allows you to first break even after 20 days and count everything after that as a bonus. The payments will accumulate to $225 by the end of the term, upon which your initial hundred is then returned.

So far that’s fine. It’s nothing out of the ordinary but it’s a decent enough selection. Where MetalicFund may really succeed in grabbing people’s attention however is in their selection of payment processors. It’s one of the best around and includes all the major players. It’s a good idea, not that difficult to do, and will hopefully give MetalicFund an edge over the competition at a time when they could most use it. The almost omnipotent LibertyReserve and PerfectMoney are there of course as are AlertPay, GlobalDigitalPay, and fans of SolidTrustPay and their debit card system will be pleased to see them here too. Payouts are made manually and so need to be requested. Once made the admin promises to to have everything processed within 24 hours.

The website is hosted on a dedicated server with support and protection supplied by Koddos. MetalicFund is also running off the ever popular licensed GoldCoders script. If you have any follow up questions or support related issues then you can contact the admin by filling out your details and submitting them on the form attached to the contacts section. One thing that was a bit misleading however was their Live Chat support. The function for it is there and it’s described as – quote – “Live 24/7”. Not exactly the case because it’s offline as I’m writing this. I know many many other admins have told me whenever they use this they just get flooded by every monitor under the sun looking for money, so it’s kinda understandable that you may prefer not to waste you valuable time dealing with this, but if the service is not a 24 hour one then it shouldn’t really be advertised as such.

Texts are a mish-mash borrowed from various other sources, some HYIP related, some not. So that should be enough to convince you that this is more likely to be another online HYIP rather than the investment business that’s claimed. And if it doesn’t then I’m also pretty sure that “metalic” should in fact be spelt with two L’s. That aside however the pickings are going to be a bit slim among shorter term games this season, but from what’s available MetalicFund looks like one of the better ones. Caution as ever is advised when dealing with any online scheme so continue as you should always do and keep the spending limit down, stay within your boundaries, and try for a wider more diverse portfolio to keep this as part of if you do decide to join.

DAILY NEWS FROM THE INDUSTRY.

Let’s start the daily updates today with some latest news from the increasingly popular PandaTrade (reviewed here). I must say that I like the steady and gradually addition of more features to the site which indicates that the site is still developing and growing. The introduction of the code card, the extension of the list of local representatives (currently available in 8 countries apart from the main office contact details in BVI) and especially the recent addition of SolidTrustPay as a payment processor (to the already available LR and PM) – all points to a professional approach of the administration of the program and to better chances to survive Black December with the least possible losses. The most recent event that happened only today was the introduction of PDF presentations in multiple languages similar to those once found on the OilStructure website – a program that was a huge hit for months. It’s amazing to see it but actually the professionally created and detailed PDF presentations where you can get acquainted with the investment plans and what PandaTrade is allegedly involved in are available in 30 (thirty!!!) different languages. It is really breathtaking to see such attention to the prospective investors from different countries for whom English might not be a language which they can speak or understand. This will definitely increase the level of popularity of PandaTrade around the world and will allow you to promote the program in local markets with less effort and at the same time more efficiently. Please read the following update from PandaTrade to find out more about the PDF presentations available on their website as well as the link where you can get those presentations:
“Discover PandaTrade in 30 languages!
Be closer to PandaTrade. We provide an opportunity to get PandaTrade PDF presentation in 30 languages of the world to enable every person to understand the essence of our business and evaluate his/her investment opportunities in mother tongue.
If you participate in our partnership program you may show the presentation to your clients in their mother tongue. It will significantly enlarge the number of the clients you attract, and your income as well.
Visit presentation page and choose your native language https://www.pandatrade.com/presentations.aspx”.

That’s not all from PandaTrade – the program which is offering variable returns for 44-180 business days (with the principal returned on expiry) and variable returns for 100-120 business days (with the principal already included in the daily payouts) where you can deposit via LR, PM and STP payment processors along with Bank wires and receive instant daily payouts. A couple of days ago on their website we could see something undertaken by many popular programs nowadays – publishing trading records of their activities which should serve as proof of their investment activities. You might be aware that I’m quite skeptical regarding such reports issued by HYIPs but at least the programs that make an effort to look real and attract more serious investors to their programs therefore deserve our appreciation and respect. So the latest detailed weekly trading report from PandaTrade can be read below:
“Weekly trading history in brief
We are glad to demonstrate trading report for the last week. Check trading history from our fund managers and think about your future investment strategies.
The first two days of the last week were relatively neutral for our investments. In the beginning of the week the circumstances were favorable for the bears. They had three weighty arguments – Korea, EU and WikiLeaks.
That is why we decided to open short positions for some issuers: Bank of America,Citigroup inc,Google Inc. and others. Having closed these positions on Tuesday we received a good income.
The news about the growing expenses of the Americans was also very good, so we decided to invest in the shares of the online retailer Amazon.com which went up by 1,3% and recorded the highest level during the trades resulted from the increasing boost of sale on Cyber Monday.
The first day of December was very favorable for the bulls and brought profit to our securities portfolio. We should note that the index S&P 500 reached the highest level during the last three months. On Thursday the main American indexes continued growing. We were proud of our investments in the shares of JPMorgan (+3,04%) and Bank of America (+3,45%), and also in Microsoft (+3,26%), General Electric (+2,33%) and others. The quotes of Goldman Sachs rose by 2,55%, and Citigroup by 2,8%. The stocks of Bank of America were profitable for us on Friday though we should admit that the income was not as high as we received from the shares of our favorite sector – hi-tech companies (stocks of Google Inc.,Apple Inc., Microsoft Corp).
Last week Dow Jones industrial average rose by 2.6%, Standard & Poor’s 500 increased by 3%, and index of Nasdaq Composite has soared by 2.2%.
Our long position investments have brought us a significant income as well. We believe in the further growing of our market and cannot deny the possibility of a small correction within the coming days. That is why we have partially cut our investments in some issues in order to buy the stocks at lower price in a few days.”

The admin of the popular new program XSeedFinance William answered a few frequently asked questions in the latest newsletter which was sent today. First of all, there were some concerns from the members of XSeedFinance who hadn’t received the automatic confirmation emails which should be sent after making a deposit into any of the perpetual plans offered by them: 1.5%-2.5% every business day forever and 8.5%-13.5% weekly forever. Another point made by the admin is the slight changes made in their referral program where the current members of XSeedFinance will be able to better understand how it works and take advantage. I remind you that by joining XSeedFinance you can receive your payouts straight to your LibertyReserve and PerfectMoney account and that there is no need to request them. More about the payouts and plans can be read in the detailed review of XSeedFinance published on MNO here. And this is the latest newsletter from the admin of the program:
“Hello members,
Just wanted to drop a line and update everyone on a couple of things.
We received a few queries from investors who said that they did not receive their deposit confirmation mail from us after making their deposit. We would just like to let everyone know that in order to get the confirmation mail you have to click on the “Return to merchant” link after completing the payment and return to our site. But in case you forget to do so, dont worry about it because we check all deposits manually. So even if you dont get the confirmation mail from us, your deposit will still be activated and you will receive your interest payments as normal.
Also, we had to get our programmer to make a small change on the investment form page on our site. This is regarding the referral information. We had investors entering some usernames and other invalid data in the “Referred By” field instead of LR/PM account numbers. So, now we have disabled the “Referred by” field for manual entry. The user has to arrive on our site using a valid referral link. Else the default value will be set to “None”. We want to encourage all of you to take advantage of our referral program and refer your friends and relatives to XSeedFinance. Remember that there are 2 different ref links you can use depending on which payment system you wish to receive your commissions through.
For Liberty Reserve users:
http://www.xseedfinance.com/?lr=U1234567 (Replace U1234567 with your liberty Reserve account number)
For Perfect Money users:
http://www.xseedfinance.com/?pm=U1234567 (Replace U1234567 with your Perfect Money account number)
We hope that all of you are enjoying the convenience of our investment program. We really try our best to live by our motto of being a “No Hassle, No Fuss” investment program!
Please do feel free to contact our support by email or live chat if you have any queries.
Best Regards, William”.

You might remember that BlackLotus hosting provider had announced extended maintenance which might affect the uptime of the many HYIP sites that are hosted on their servers during the next few days. Well, some programs obviously had to cope with that inconvenience but some of them immediately changed their hosting provider not to be affected by this downtime. From the latter ones I can name RussianOilFund (reviewed here) whose admin immediately migrated his site to BlockDos instead of suffering this unfortunate downtime. In my subjective opinion migration to undoubtedly the best hosting provider BlockDos was a very wise decision because from my own experience with them (MNO blog is also hosted by BlockDos) their support was always fast and helpful and even during the DDoS attacks on my site downtime was negligible. So By migrating to BlockDos RussianOilFund actually showed that they have quite a serious approach when it comes to providing the perfect uptime for their investors and I really appreciate such an approach. I remind you that RussianOilFund is a program that pays 2%-2.9% on every business day for the duration of 90 calendar days after which you can get your original deposit back to your LibertyReserve or PerfectMoney account. Here is the latest exciting news from them about the upgrading of their level of protection and increasing the current capacity level to accommodate the growing number of investors
“If you have been following us on Twitter and Facebook you will have known that we have upgraded our servers and are now part of the BlockDOS family. This is due to our growing popularity and going into the busiest internet activity of the holidays. Our upgrades throughout the day will allow us to handle our growing popularity and any attacks against us. As usual with server upgrades of this magnitude, different people will access the site before others. It depends on your Internet Service Provider.
This is always a good way to plug our Twitter and Facebook account’s which can be seen below. Follow them for always the latest in RussianOilFund news.
Twitter: http://www.twitter.com/russianoilfund
Facebook: http://www.facebook.com/pages/Russian-Oil-Fund/122825324437218
Remember all through the month of December we have our $500 I’m a RussianOilFund Investor contest going on! Tweet and Share on Facebook daily for a better chance of winning $100. 5 lucky winners will be chosen!
Enter via Twitter: http://wildfireapp.com/twitter/233/contests/76067
Enter via Facebook: http://apps.facebook.com/sweepstakeshq/contests/76067
Thank You, RussianOilFund”.

Unfortunately, some bad news came today from the admin of AvatarSurf John who announced that his program is officially closed. As usual the blame was put on hit-n-runners and AlertPay payment processor (which by the way you should contact immediately to get your money back if you were at a loss). I would really doubt such excuses given by the admin as although we entered Black December now with so many collapses and short-lived scams AvatarSurf really made a difference and some members actually believed that it would survive Christmas. I was sure that it wouldn’t though I hoped that it could be ok to go for another week or two. This announcement actually came from nowhere and was very sudden and put many members in huge losses. The only thing I respect the admin for is that he put his site offline and didn’t leave it open to collect more money from unsuspecting members which very many others are doing. Unfortunately, the longevity of the program is not the thing which he should be respected for. It was really short and it only lasted for 17 days which was not enough for many later joining members to be in profit from and only the hit-n-runners were able to earn anything. So how could the admin blame them for being smart and thinking about their own profits and considering Black December is here they definitely made a wise decision by pulling out while they still had a chance to do so? Here is the farewell short update from John of AvatarSurf:
“Hello Avatar Surfers,
Today we are here with a very bad news!
Due to a large number of HIT And Runners taking away their big profits and no more investing, also chargebacks of AP fraudulent funds has caused the closeness of AvatarSurf.
We are very sad to say this but this is a fact! Only I am not responsible for this but the members are too.
Can’t end up now with a good day message so bye guys.
Regards, John Williams”.

The situation with OnlineMoneyInvest (reviewed here) is still unclear as the payouts are still being processed to me within the 12 hour timeframe which is still ok according to their ToS. I didn’t have any complaints from my readers either so I left the program on Paying status on MNO for the time being. I still feel there is a good chance that OnlineMoneyInvest might scam within the next few days as it really bothers me why the instant payouts have stopped and why the high-paying 222% after 12 hours/1 day have been added. I would ask you to report me if your payments from OnlineMoneyInvest are pending for over 12 hours and I would still advise you to be very cautious if you seriously consider investing in that program at this point.

I was asked by the members of MNO forum today about the possibility of allowing some guest posts on my blog. Unfortunately, I can’t allow it as my blog is a personal thing and is a reflection of my thoughts and views of HYIP industry. You need to open your own blog for that. However, if you really want to say something about the HYIP industry and share your thoughts on different subjects I encourage you to share it with others on the specifically assigned MNO forum thread which I created today specially for the purpose. While I can’t promise you I will publish something on my blog what I might do is if I like an article link the readers to the MNO forum link where they will be able to read what you think. So speak your mind and be active as guest writers on MNO forum!

By the way, I hope you didn’t forget about the MNO daily cash contest which is currently proudly sponsored by the admin of FelixFunds (interviewed here) and which you can find here. The questions are posted everyday and are connected with the activities of FelixFunds (reviewed here) which is by the way back online and fully accessible now. So tune in and have some fun and the chance to win a $5 daily cash prize to your account here! The next question was just posted a few minutes ago so enjoy, guys!

I have been paid today by the following programs:
MetalicFund (the first payment received), Finansima, LrPmBrokers, ProfitEu, TerraProfits, InvestPlatforms, ECashBroker, OnlineMoneyInvest, RussianOilFund, FenixTrust, FelixFunds, Flamanta, Konstant, MutualTreaty, PandaTrade, ReProFinance, TetraMetals, FutureTrails, AllianceAdvantage, XSeedFinance, RedOrchidInvest, FiboTradePro, UnicornInv, FondosMayores, YamaFinance, 144CashAds, YesInvestment, GainBucks, Greenvestment, FxEconomy, AssetManagement and RealFunds (the first payment received).

RealFunds is the latest addition to my listing and the program was just launched yesterday. This is a short-term program and I hope you know my attitude towards them as we get closer to Christmas (read the latest MNOFridays about that here). Hopefully, RealFunds will be able to become an exception and last longer, but of course everything will depend on the admin’s intentions and members’ support. So far I can see that he was quite active in private communication and I saw already some banners having been purchased. Unfortunately payment processors available for the prospective investors of RealFunds are limited as it only accepts LibertyReserve and PerfectMoney. Although the plans are really attractive and you can possibly earn such profits as: 24% for 5 days (my favorite plan), 14% for 10 days, 11% for 15 days and 8.8% for 25 days. The payouts are not instant and handled by the admin manually so have to be requested daily as the program is running off a licensed GoldCoders script. RealFunds is hosted on a dedicated Staminus server and is SSL-secured. I’ll have a more detailed analysis of all the features of the program on my blog tomorrow. Stay tuned for that, guys!

That’s it for today, guys. I hope to see you on my blog tomorrow and wish you good luck with your investments.