Hi everyone! Well, it’s Christmas Eve again and I hope it finds you safe and well with your family and friends and enjoying their company. I have my own celebrations planned for the evening, but I would first like to send my best wishes to all the many readers and friends of MNO this yuletide, as well as share some thoughts about how I see the industry and the role of MNO within it.

I was hoping to take a day off today but I simply cannot sit around doing nothing and I guess I became a workaholic years ago. Nothing to complain about because I love what I do and my readers. It’s a form of education in a way to share what you have learned from your own life experience and I like that too. This business can be harsh and I know it can be cruel sometimes. Everywhere you look there is someone trying to turn your head and empty your pockets, but at the same time what compares to the feeling of satisfaction you get when you make money online! It’s addictive and I know exactly what I’m talking about. Of course there are risks involved but for God’s sake, life is not without risks and what you can earn annually in the bank will hardly cover inflation. So some will take a plunge into the unknown territory of HYIPs for a chance (just a chance) to win something significantly more. As a famous Russian proverb goes, “those who don’t take risks are those won’t drink champagne”. I think the closest in English might be “nothing ventured – nothing gained”. You might tell me that you would lose nothing either if you don’t take risks but then life is just stalling and passing you by and you will never experience the sweetness of winning or the bitterness of losing – that’s how I see it anyway.

In my journey over the last few years with MNO I learned a lot both by myself and about myself and I must admit that I am still learning together with my readers. It’s a constant learning curve and is about knowing what I am capable of, what I’m enjoying, and what I am most proud of as because of that you can see MNO in its current shape and form. Of course I know that I’m not perfect and sometimes feelings overwhelm me and I cannot stay silent about some of the unfairness I see so frequently in the industry. I’m here for my readers most of all but of course I’m here for the quality and honest HYIP admins as well. I am always in favor of the admins who really cherish what they do, are proud of their accomplishments and are constantly developing their programs for the better as it can benefit the investing community in general. At the same time, I try my best to get rid of rubbish on my blog and if I’m aware that a program is of a low quality or its admin is a questionable person I try not to list it on MNO. But if it was that easy then my blog would be a perfect place to spot great programs. Unfortunately there are cracks and even the most promising programs can turn into scams before you know it while programs which you didn’t expect much from become the next big thing and are paying for months. Life is like a box of chocolates as Forrest Gump so eloquently put it and the HYIP industry just like that. Wildly unpredictable and never boring.

I don’t like when somebody asks me (as if I’m some kind of guru and can see the future) for how long a program will last and I try to avoid such questions. It’s good that there are so many other experts out there that can tell you exactly at which moment one or another program will collapse. Well, I can honestly tell you that I can only guess when a program is going to collapse because there are so many unpredictable factors can interfere with seemingly smooth running programs that even the admin himself can’t know it. So it’s simply stupid to make such predictions and many others would look stupid when they try to assume they know everything. I’m not one of these and I’m not pretending to be such. All I can do in my review is simply asses the facts and gauge the program’s potential based my assumption of different factors I take into consideration. Of course not knowing exactly who the admin of the program might be and what other difficulties the program could face during its run it’s simply impossible to say with 100% certainty whether it becomes a fast scam or a huge hit. Look, even many programs run by the same admins share a different fate and can last from days to years depending on different factors. But I like to think I got it right more times than I got it wrong.

I still try my best to deliver unbiased reviews and tell my own attitude towards one or other program. One thing which I dislike most about the HYIP industry is the constant lies some admins use and most of all I appreciate sincerity which very few admins apply in their job. So I will keep exposing such lies and tell you again and again that all HYIPs are ponzies and that you never should give them what you can’t afford to lose. I’m aware that I gained many enemies already for doing this but at this point I have absolutely nothing to lose and nothing to be afraid of. There were so many threats that you cannot imagine but none of them worked and I’m still here and I’m still standing strong. And I will continue doing so in 2011 and stay here for my readers who I have no reason to lie to. And I’m passionate about staying unbiased and to keep running my blog in a decent way so I nave nothing to be ashamed of at the end of 2011 either and will be able to tell you that I did my best to keep you updated on the state of things in HYIP industry.

So I would like to take this opportunity today to thank you all for staying with MNO during this hard year. I’m aware that most of 2010 was a very difficult time for the HYIP industry and due to so many great programs collapsing in the early part of the year and again during the last couple of weeks, forcing many people to abandon it and think that it would be impossible to earn money here anymore. Well, we all know that things here are cyclical and I’m sure that we will find some very quality programs in the beginning of of 2011 – a year that will hopefully stay in our memories as a time of fulfilled dreams and accomplished goals. Please stay with MNO for 2011 as well, because we have so many things to accomplish together and I have so many plans for us all. Since I have my own programmer now who helps me with the technical side of things I can now dedicate more time to issue different articles like MNOFridays and take on other projects that I couldn’t have done without him. So I have plenty of very daring plans that I hope to achieve within the year. Since my blog is not my main income source I have all the opportunity to be fully independent from all the naysayers and speak my mind freely not to be afraid that somebody will deprive me of my income just because I say things they don’t like. Isn’t it the full freedom we all are dreaming of? For me it’s the most precious thing in the world. The financial independence which so many bloggers and monitors are striving for and are ready to sell their souls for is something that I stopped having to worry about a long time ago. I’m thoroughly enjoying what I do at this point and will continue to do so despite any obstacles in my way. Much to the annoyance of my enemies I’m sure, but also for the benefit and happiness of my friends of which I have a lot more. That’s all that matters for me now – to help you earning and not losing money in the HYIP industry and help you learn how to make reasonable investment decisions only relying on your gut feeling which might be your biggest friend of all. Learning the ins and outs of the business and how to spot the hidden agendas of others will help keep you earning from HYIPs. Instinct in this industry is you must keep developing at all times together with a growing level of experience and expertise. I sincerely hope that MNO will be an honest partner for you with that in 2011 and by sharing my experience with you I will help you to obtain the knowledge you will need to succeed.

I firmly believe that there is nothing more precious in the world than your close friends, family and loved ones. So please whatever happens in the coming year please stay more positive and keep it together for the loved ones because love is all that matters in this world. So I would like to finish today’s article with something a bit whimsical but still very true quote came from The Beatles (the group named as the most influential in a poll by MNO readers). “All we need is love” – you know it makes sense.

DAILY NEWS FROM THE INDUSTRY.

I didn’t realize there would be so much news today but seems I was mistaken. In fact despite the holidays there’s plenty to report. We’ll start with a very unexpected event that just happened recently – RussianOilFund (reviewed here) has added AlertPay as their third payment processor which you can use together with LR and PM to join their plan paying 2%-2.9% on every business day for 90 days (the principal is then returned on expiry). The existing members can easily update their profile in the program by adding their AP email and confirming the changes by clicking on the link they will receive to the email address specified during the registration process with RussianOilFund. AP addition was unexpected for me because just a couple of days ago I saw the administration of RussianOilFund on my Shoutbox and I was under the impression that they wouldn’t be adding them so soon because they thought it was an inappropriate payment processor for them for some reason. Here’s the announcement from earlier:
“RussianOilFund adds AlertPay
Happy Christmas Eve to all our family here at RussianOilFund! We could not have picked a better day to announce the addition of AlertPay to RussianOilFund. We have been anxiously preparing to unveil the addition to ROF.
We initially started with Liberty Reserve and Perfect Money reaching the majority of the international community of investors. To further widen RussianOilFund‘s influence, the decision was made to add AlertPay.
Almost poetic, on Christmas Eve we announce we are officially accepting investors through AlertPay.
Thank You, RussianOilFund”.

The final question of the $5 daily cash contest sponsored by FelixFunds will be published on the specific MNO forum thread tonight so you have one last chance to win the cash prize to your LR account (click here to participate). As the admin of the program Felix (interviewed here) reported today about some personal Christmas celebrations he asked from the members to allow up to 72 hours for your withdrawals to be processed. In the latest update from FelixFunds (reviewed here) they also named the winner of the best wishes contest who won $50 but the announcement of the video contest winner was postponed for a month due to low participation. Well, it means more chances for the existing members of FelixFunds to win a whopping $500 cash prize which hopefully will be paid to one lucky winner in January. Here is the latest newsletter from FelixFunds:
“First we’d like to wish all our members Merry Christmas. Also we want to announce that our wishes contest is over and the winner is user profitfan. He got 50$ cash prize on his LR already. Unfortunately the video contest didn’t has so much success yet so we decided to extend it till the end of January. Hope that by then we will get some good videos to choose from and pay the prize.
During the holidays (Christmas and New Year) payouts might be delayed up to 72 hours (but I’ll do my best to make them faster then this). Christmas has a special meaning for me as my twins were born on 24th so I must organize their birthday beside celebrating Christmas. Hope you will spend a quality time with your families too and wish you all the best. Thank you very much for your understanding.
Regards, Felix”.

A program from my top 5 list FutureTrails (reviewed here) sent their best wishes to members today, and assured that they will continue paying 18.5%-22% for 6 business days. As per my understanding even during the Christmas and New Year’s holidays the interest in FutureTrails will be credited from Monday to Friday as usual. At least nothing from the most recent newsletter would indicate otherwise. The program is currently enjoying huge success being ranked as #1 on some well known and popular monitors and having been running for over a year. Of course the program was transformed into its present shape and became a short-term program only two months ago but still the payment record so far was flawless and I simply can’t stop wondering what made FutureTrails such a phenomenon. I hope the program will last well into the coming 2011. The latest update from FutureTrails can be read below:
“Dear respectable clients,
We would like to take this opportunity to wish everyone Merry Christmas, a prosperous and Happy New Year in 2011.
Thank you for being our client in 2010, we hope in this new year we can improve the our service satisfactory in order to satisfy you respectable clients. We appreciate your support and, indeed success of the FutureTrails Organization is result of your understanding and support. We hope you will notify us on our service failure cases, and lead us to provide our service quality.
Regards, FutureTrails Online Investment INC”.

Another short-term program that is running very well for over a month now is RevenueBuild. The program got off to a slow start but I feel that’s what insured its longevity, keeping it online past Christmas and into the new year. Another factor is the short term but sustainable plans which can be joined via LibertyReserve and PerfectMoney: 105% after 2 days, 107% after 3 days, and 110% after 5 days. I remind you that you can read more about RevenueBuild in my review of the program published here and my interview with its admin Steve here. The link to the official thread of the program on MNO forum where you can see the admin of RevenueBuild frequently and where you can ask all your questions is located here. I hope to see the program alive and kicking in the new year and am giving you the latest news from RevenueBuild below:
“Dear Revenue-Builders,
We would firstly like to wish everyone a merry Christmas and a very happy new year. RevenueBuild is online almost 40 days now and really going steady, sailing through success all the way. When we started RevenueBuild, the only thing which we had in mind was focus, determination, passion to really make it big.
We have been successful in achieving most of that with a decent growth of success. Our membership base is surely increasing day-by-day and it’s quite a pleasure watching it grow. We are very sure that in the coming few months RevenueBuild will be even more popular with improvised features.
We would like to thank all our members for your continuous support for us, we believe this is just the beginning and we sure are not going to let you down while you’re here with us. We would also like to thank all our rating partners who’re continuously providing us good support.
Our Investments online and offline has been doing really well, which gives us an added advantage of giving you a stable rebate. I would also like to remind everyone that our official forum is MNO, and you can catch me online most of the time over there. So, if you have any clarifications / Suggestions / Questions / Ideas, please do come in there as I’ll be providing my daily updates as well.
I hope everyone will have an eventful Christmas and look forward to a great and successful new year with RevenueBuild.
Until the next newsletter,
Warm Regards, Steve, RevenueBuild Administrator.”

The admin of SolidPercent finally clarified a confusing issue about whether their payouts are made on calendar days or business days. So if you invest in any of the plans (2%-3% for 3 days, 3%-4.5% for 5 days, 4%-6% for 10 days) with the principal returned on expiry you will be paid on every calendar day. At the same time the admin of SolidPercent specified that December 25th and 26th will be holidays on which the interest would not be added to members’ accounts and will not be paid to e-currency accounts either. There were also some specifics about their business activities which I find hard to believe anyway, that’s why I’m going to skip it completely. Anyway, in today’s newsletter the admin of SolidPercent mentioned about the review that was published on my blog last night (read it here) and updated the public regarding the paid 5% bonuses which is a part of a Christmas special where you will get 5% from your deposited amount (if it’s over $100) to your withdrawable balance to any payment processor you made a deposit from: AlertPay, LibertyReserve, PerfectMoney and GlobalDigitalPay. The bonuses are capped at $1,000 and will be added to accounts while they are available. Here is the latest newsletter from SolidPercent:
“Added MNO REVIEW
Everybody can read it here:
http://money-news-online.com/blog/2010/12/23/23122010-solidpercent-review-and-daily-news-from-the-industry
The results of the penultimate day of action “Merry Christmas”.
Paid bonuses:
AlertPay: $ 144, LibertyReserve: $ 151, PerfectMoney: $ 93, GlobalDigitalPay: $ 40
Total for today: $ 428, Total: $687
Congratulations to the lucky ones!
Hurry! End of the action on December 25!
The total budget of $ 1000.”

It looks to me that the admin of ChristmasCracker is really desperate for money and is trying to get more investors even by means of spam which I cannot approve of in any way. Today I received a complaint from one reader who received the following email from the email address of the admin of ChristmasCracker (reviewed here):
“ChristmasCracker. SAFE AND PAYING 103% after 1 day. ONLINE SINCE 15th December. Running for over 9 days! Instant payments! Check the ratings page for proof of payments. Minimum investment only $1”.
The thing is he was never a member of the program and didn’t sign up either. This is really weird as I also got this email and just assumed that it was another promo email which was sent strictly to members only. It looks like this is not the case and perhaps the admin sent it by mistake to members of a previous program he may have run. I can only guess about that as he hasn’t replied my email about it yet. Here I must add that the payouts from all the plans offered by ChristmasCracker (103% after 1 day, 107% after 2 days, 112% after 3 days, 123% after 5 days, 150% after 10 days, 190% after 15 days.) are still processed instantly to both LibertyReserve and PerfectMoney payment processors, so I hope it was just an isolated incident that will not happen again.

I’m pleased to report that some programs will not stop working even for Christmas and New Year’s celebrations as some admins reported about that today. Take GoldMiningFund for instance. This program is very new and pays daily on multiple plans where you can invest via LibertyReserve, PerfectMoney, GlobalDigitalPay and AlertPay – 2% for 30 days, 2.2% for 40 days, 2.4% for 50 days, 2.6% for 60 days, 2.8% for 70 days, 3% for 80 days (principal back), 4.5%-5% for 30 days (principal included). The full review of GoldMiningFund can be read on my blog here. And this is the mail where the admin promised to work daily and without holidays for his investors:
“Hello members of GoldMiningFund,
I want to wish a Merry Christmas to all of you and announce that the 25th of December we will be working normally, we will not stop work, as the day on January 1 we will also be working normally, our main goal is to provide the best service.
I hope your stay with us has been at total satisfaction, if you have any questions please write to support and be happy to assist you.
Merry Christmas again, and enjoy with your family!”

PrimoEarnings deposits also announced that it will work as usual during this holiday season and you should only expect some delays with support on New Year’s Eve. PrimoEarnings currently only accepts AlertPay payment processor (with LR and PM to be added soon) and offers three short-term investment plans: 112% after 7 days, 128% after 14 days and 180% after 30 days. More about PrimoEarnings can be read in my review published here. This is the last update from them:
“Hello.
Ho, ho, ho here is a quick newsletter for you guys.
During the Christmas time PrimoEarnings will be fully functional, so if you have any questions feel free to ask and I’ll be here to help you.
But “most likely” on New Year’s eve and morning (31/01) support won’t be available.
I just wanted to wish you all Merry Christmas and happy New HYIP Year!”

The admin of XSeedFinance William announced the successful completion of their first month online. From that month the program has been monitored on MNO for 23 days and I never had any problems with the payments that are processed manually every business day to the clients’ LibertyReserve and PerfectMoney accounts. Apparently XSeedFinance will be also working as usual over the holidays and the earnings will be credited on every business day (for 1.5%-2.5% daily forever plan) or weekly (for 8.5%-13.5% weekly forever plan) as usual. More about XSeedFinance can be read in my detailed review published here. This is the latest newsletter from commemorating its first month online and containing some Christmas greetings for the members:
“Hello members,
I am extremely pleased to inform everyone that we have now completed our first month online and are going strong! Just wanted to thank all of you for making this possible. And of course, Merry Christmas everyone! Hope all of you have a great time with your friends, family and loved ones.
Best Regards, William”.

Despite the holiday season many programs have paid me today and among them are the following:
ProfitixGroup, FelixFunds, OptimumPride, XSeedFinance, FenixTrust, MutualTreaty, PandaTrade, ReProFinance, AllianceAdvantage, SolidPercent, FutureTrails, FondosMayores, AccessTomorrow, Finansima, ECashBroker, InvestPlatforms, 144CashAds, RevenueBuild, ChristmasCracker, UnicornInv, RussianOilFund, FxEconomy, GoldMiningFund, YesInvestment, GainBucks and DollarCommerce.

As you can see DollarCommerce is the program that is being mentioned on my blog for the first time. However, this program has been listed on Basic list on MNO for 10 days already (it’s running for 11 days) as the admin requested to upgrade the listing on MNO today and even reserved the banner space on my blog which will be displayed in the beginning of 2011. I guess this way the admin of DollarCommerce wants to be assured that the program will be growing slowly and steadily which is a pretty important factor for a program offering short-term plans like 106% after 3 days, 115% after 5 days, and 140% after 10 days. The program accepts three popular payment processors (AlertPay, LibertyReserve and PerfectMoney) and the minimum to invest varies from $5 to $20 depending on the plan. In my opinion, DollarCommerce has everything in place to become a success: short-term attractive but sustainable plans, AlertPay accepted as a payment processor, a lovely design, a licensed script from GoldCoders, SSL-encryption and hosting on a dedicated server by Dragonara. During my monitoring of the program I have already been paid from the 3 and 5 day plans and am looking forward to properly reviewing DollarCommerce in my next blog post.

By the way, straight after adding his program to the Standard list on MNO the admin of DollarCommerce Christopher has sent the first newsletter to the members of the program. Beside the usual Christmas wishes and sharing his intention to stay online into 2011 Christopher also announced a 5% deposit bonus for those investing via AlertPay payment processor. The only condition when the withdrawable bonus is added to your account in DollarCommerce is that your investment should be $500 or more. The bonus offer will be valid till the end of year 2010 and valid for all the three investment plans offered by the program – 106% after 3 days, 115% after 5 days, 140% after 10 days. Here’s the details:
“Hello dear DollarCommerce member,
this is our first official newsletter and I would like to introduce myself. I am Christopher Baker, administrator of this investment program.
DollarCommerce has been online for 11 days as of now and we’re looking forward to jump into the 2011. Our marketing strategy is developed understanding the current industry’s situation. We focus to reach the audience in the next year and at that time DollarCommerce will be already established and recognized as genuine and paying program.
Let me send you best wishes and greetings for your Christmas holidays, spend your time with the loved ones. We have something for you as well – a special Christmas deposit bonus! This time it is valid only for investments made through AlertPay. Invest at least $500 and receive a deposit bonus of 5%. This amount will be paid back into your e-currency account. You may act now, because it is an limited time offer and will be valid only during the remaining 2010.
That’s all for now, please do not hesitate to contact us if you have any questions.
Best regards, Christopher Baker”.

That’s all for today everyone. With so many festive greetings being sent by the admins above I don’t know if you want any more, but I’m a sucker for Christmas so let me again wish you and your nearest and dearest all the very best and have wonderful few days no matter where you are. I won’t be publishing tomorrow but will be back the day after with any further news updates you need to hear about.

I have to go now. I’m hearing a strange “Ho Ho Ho” sound from inside my chimney so I guess it’s time to turn off the lights! Merry Christmas everyone!