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

Hi guys! Hope the holiday weekend is going well for you so far and there wasn’t too many headaches this morning. And I hope Santa was good to you too! Anyway, it’s back to business as usual for MNO today and I want to take a closer look at a short term program some of you may have heard of already called DollarCommerce. I’ve been monitoring them for almost two weeks now which is just after they opened, but as they’ve just upgraded from the basic listing I want to provide a more detailed description of them here.

Starting with the plans, as I just said DollarCommerce is a short term HYIP and has three investment plans to choose from. And they’ve all got pretty affordable minimums as well so it’s really not necessary to put yourself at too much of a risk. The first one runs for 3 days and costs a minimum of just $5 to join. A single interest payment of 106% is made on expiry and includes your principal. So for example a $100 spend gets you back $106 on expiry. Pretty simple, eh? Maximum deposit is $3,000 for this plan.

Something a bit more profitable is DollarCommerce‘s second plan. And with a 5 day term it’s also more of a risk. But if you think it’s worth a shot then the minimum investment is $10 and the interest, which is again paid on expiry, is 115% (principal included). So the same $100 spent here would get you back $115 at the end. As well as a slightly higher minimum deposit the maximum also goes up. It’s $5,000 this time.

The third and final plan works out pretty much the same way. The minimum investment is $20 and the maximum is $10,000. Your principal is held for a term of 10 days and on expiry you get back 140% of it. So in other words A $100 spend should get you back $140 at the end. Ten days carries a much bigger risk than three days obviously, but if the higher rate of interest is just too tempting then you can always split your deposit between the three plans, putting a larger share of it to the shorter plans of course.

DollarCommerce accepts three popular payment processors with AlertPay, LibertyReserve and PerfectMoney all making their list. Payments are made manually so you will have to log in and request them. Once done the admin then requires up to 24 hours to get it processed. Please note that if using AlertPay the minimum withdrawal is $1, but this rule does not apply to the other two processors.

The program is running off a script under license from GoldCoders and is hosted on a dedicated server with support and protection from Dragonara. It’s SSL encrypted for safer and more secure browsing and transactions. If you need to contact the DollarCommerce admin with any questions or support issues then you can do so by filling in your details on the ticketing form on the support page.

Original texts offer little in the way of practical information, making only vague references to certain gambling activities and other “investment opportunities”. But other than that DollarCommerce has everything in place to become a success: short-term attractive but sustainable plans, AlertPay accepted as a payment processor, a nice design, and a reasonably secure SSL encrypted website. I also think the admin is probably more serious than several other short term programs around at the moment in terms of actually keeping his program online as far into the new year as possible. There’s no guarantee that he’ll actually achieve it, but I’m pretty sure that’s his intention. It’s been kept a bit low key as well over the holidays with limited advertising and coverage on monitors being at a sensible level. DollarCommerce is only featured on under a dozen of the better known ones, and in my opinion that’s all they need. It won’t put too much of a strain on their finances and the status can easily be double checked by anyone curious about it. It’s also helping to maintain a slower rate of growth which won’t hurt either.

At the end of the day of course it’s still a game and a high risk one at that. So as always proceed with caution and if you wish to continue in the HYIP industry in general remember to only keep any one program as a smaller part of a wider portfolio and stick rigidly to strict spending limits that are affordable to your own personal circumstances. Keep it as a fun way to supplement your income rather than a get rich quick scheme and you won’t go far wrong.

DAILY NEWS FROM THE INDUSTRY.

Not forgetting about that thing in celebrations we should remember that many more programs will collapse these days due to the lack of deposits and the general slowing the things down in the industry. So today I have to report about a problematic program moved to Problem status on MNO tonight which is Greenvestment. It has been moved to Problem status on MNO tonight as I have three pending withdrawals already and the admin didn’t reply to my emails about it either. I’m aware that it’s Christmas so some delays should be excused, but still I think it’s better be safe than sorry, so I have decided to move it to Problem status as I saw many complaints on forums and see that my case is not isolated and apparently many people have the same issue as me. Unfortunately, Greenvestment became another fast scam only surviving for 4 weeks and failing to make it to 2011. Who’s gonna be next?

Enough about the bad events in the industry. Let’s not forget that the Christmas and New Year celebrations will be still be in full swing at least for another week. I know that 26th of December is also a holiday in different countries (though the name is different) so I would like to congratulate you on another day off and wish you all the very best.

So many more programs admins issued celebratory themed updates on their sites. And some of them even offered some Christmas gifts to their members. So the admin of XSeedFinance thought that the best present would be some extra cash and sent a small Christmas bonus to every active member of his program yesterday. I guess this would be the best promotional strategy for XSeedFinance that pays on two perpetual plans straight to LR and PM accounts rates of 1.5%-2.5% every business day and 8.5%-13.5% weekly (read more about the program in my review here). I hope that even in 2011 XSeedFinance will stay with us as a reliable performer for a long time. Here is the latest short update from the admin William:
“Hello members,
We wanted to spread a little Christmas cheer and have sent out a small bonus payment to all our investors. Merry Christmas everyone!
Best Regards, William”.

FenixTrust as an already established and popular low-ROI program paying for many months decided probably that the best Christmas present for investors would be the extension of their current deposits for 30 more days. I think those members who deposited into the 120-270 business day plan will definitely benefit from this, unlike those who joined the relatively shorter-term plans paying 0.6% for 30 business days, and 0.8% for 90 business days. Obviously some investors join such programs like FenixTrust because they need their principal back within a definite period of time, so they would be definitely disappointed that they would not be able to get their principal from the program back on the date when they planned. In my opinion, it would be fairer if FenixTrust could provide such members the option of choosing if they want this extension of not. I hope that the admin of FenixTrust (reviewed here) will clarify this point soon because at the moment such tactics might be considered by many investors as the program’s inability to return the principal at the agreed time. In the latest update from FenixTrust published on their site one can find also their holiday schedule and operational days during the festive season. Here is the latest news from them:
“Extension of deposits and holiday schedule
Dear Clients.
Our company has prepared a Christmas gift for all the clients. We extend the term of your deposits for 30 days and therefore you will get an opportunity to increase your earning.
As for the holiday schedule, our company will not work on December 24,27,28,31 and January 1. During these days no interest will be added to your balance but you will be able to carry out any operations.”

YamaFinance made it possible for all the investors to see their certificate of incorporation which used to be seen only by their premium investors before. The publicly available certificate of incorporation can be viewed on the About Us page on the YamaFinance website. But for some reason the program allegedly involved in the Japanese stock market and “100% assets of which are held by Japanese residents” is registered in Dominica which is simply illogical but understandable if we treat YamaFinance as a regular HYIP (which it is anyway). Here is the newsletter inviting YamaFinance investors to inspect their certificate of incorporation:
“Now ?ertificate of Incorporation is publicly available
After numerous requests of our clients we decided to open an access to our Certificate of Incorporation. We do our best to conduct business openly and we will be glad to welcome new clients of YamaFinance.
Our large investors who invested more than $20,000 in our business could see our Certificate of Incorporation from the very beginning. However now we provided this opportunity to all our customers.
We hope for a further strengthening of confidence in our company among our clients.”

By the way, if you want to know more about YamaFinance I would like to remind you that the program has been paying for over six months now and has therefore managed to climb to the #4 spot on MNO ranking. The payments have been flawless so far and almost always executed instantly to your LibertyReserve and PerfectMoney accounts on every plan. They offer four plans with the principal returned back on expiry – 1.2% for 100 business days, 6.25% for 22 weeks, 1.3%-1.55% for 110 business days, and 1.6% for 120 business days. If you want to know more about YamaFinance you can always refer to my detailed review published here and my interview with its admin here. The only thing I dislike now is that the announcement that their Christmas holidays will extend for over two weeks when the interest will not be added to investors’ accounts while the withdrawals will still be processed instantly. This 17 day of holiday is simply too lazy an approach and is unheard of. Particularly when Christmas itself isn’t even an official holiday in Japan. Celebrated I’m sure, but it doesn’t involve a day off work, much less 17 of them! Schools don’t even close that long. There could be only one reason for that – YamaFinance possibly has a cashflow issue which they hope to replenish from the new deposits which are going to be made during this mammoth vacation. Then two scenarios are possible – either the program will return back to normal refreshed and with the new funds to pay to the existing investors, or it will stop paying just after the holidays. I sincerely hope that we will see the first variant here but it’s always better be cautious and considering that YamaFinance is not a new program anymore I would suggest to hold off from depositing until the holidays are over and the proper work resumes hopefully in 2011. We’ll have a much clearer view on the situation then. Here is the latest newsletter from the site of YamaFinance announcing the surprisingly long holidays:
“Holiday and nonworking days
Dear Clients,
We would like to inform you that in view of the coming Christmas and New Year, and also a rapid decrease in business activity during this period, we will not conduct any trading operations, and therefore we will not add any interests from December 23 (The Emperor’s Birthday) through January 9. All payouts and other operations will be available.”

Another hit among with investors is PandaTrade, currently #7 on MNO and also announcing a generous holiday where profits will not be credited to members’ accounts. But as profits are only credited on business days anyway it means there’s actually only four days when interest will not be paid. In my opinion, PandaTrade has a much better chance to survive the annual Christmas slowdown than others because they pay variable rates for 44-180 business days (read more about the investment plans in my review of the program here). So during the holidays, or any quiet time, PandaTrade can simply reduce the daily earnings explaining it by lower market turnover and so on. The investors will not be concerned by lower that usual profits and therefore PandaTrade has a better chance to survive. Of course I’m not sure what’s on the admin’s mind so still be careful. But so far PandaTrade has been paying for 80 days now and I sincerely hope we will see it paying in 2011 as well. Here is the latest news from the program announcing the holiday schedule for all the investors of PandaTrade:
“Holiday schedule
We would like to inform you about the holiday schedule. In view of the numerous Christmas holidays which are celebrated in various countries differently, we decided to declare the official days off of our company: on December 24, 25, 26, 27, 28, 31 and on January 1.
In other days there can be a decrease in turnover and lower profits due to low activity on the market.”

Only one holiday was announced by AssetManagement (reviewed here). On December, 24th the investors’ accounts were not credited with the usual profits of 1.3%-1.5% paid on business days withdrawn to LR and PM accounts. It’s refreshing to know that the next holiday for AssetManagement won’t be until April of 2011 so the investors can breathe easily now. The admin even went so far as to publish the holiday schedule for the whole of 2011 which you can read below. Hopefully, the next year will be successful for AssetManagement and we will see online next Christmas as well:
“Christmas Eve – Holiday
Today is Christmas Eve – Holiday. Investment interest will not be paid. Following holiday is April 21st, 2011.
List of Holidays for 2011:
New Year’s Day – January 1
Maunday Thursday – April 21
Good Friday – April 22
Easter Monday – April 25
General Prayer Day – May 20
Ascension Day – June 2
Constitution Day – June 5
Whit Monday – June 13
Christmas Eve – December 24
Christmas Day – December 25
Boxing Day – December 26”.

The next two Mondays will be non-payment days for the members of ReProFinance (reviewed here). The program has been paying for nearly 7 months to LibertyReserve and PerfectMoney on the following plans: 0.8%-1.5% for 90 business days and 0.9%-1.9% for 180 business days with the principal returned on expiry. The admin of ReProFinance assured every investor that he has great plans in store for 2011 and thanked investors for staying with the program. I must say that so far the payment record of ReProFinance has been pretty impressive and I was always paid instantly from them and hope that it will keep the great job they’ve been doing well into 2011. Here is the latest from them:
“Christmas & New Year holidays
Dear Customers!
The ReProFinance team wishes you Merry Christmas and Happy New Year!
Our holiday schedule will be as following:
December 27, and January 3rd are non-paying.
All other days we will be working as normal schedule.
We have big plans in 2011, please stay tuned.
Thank you for choosing our company as your personal financial solution!”

Some Christmas wishes were pretty short and the shortest was possibly the one delivered to the members of 144CashAds (reviewed here). Here the Christmas wish from the admin of 144CashAds (interviewed here):
“Merry Christmas to all, and to all a good night. …
Lewies Project admin. 144CashAds”.

I’d like to end this Christmas themed section with more congratulations from the admin of the recently launched AccessTomorrow program which pays 1.8% for 50 days, 1.9% for 60 days, and 2% for 70 days with LR and PM accepted and the partial return of your principal on expiry (read more about the plans in my review here). AccessTomorrow sent the greeting which naturally I also would like to share and wish the same to all MNO readers:
“Merry Xmas! Saturday, December 25, 2010
This is a very good moment to wish you good health and prosperity. May the coming days and years bring you much success.
On behalf of the team at AccessTomorrow, Merry Xmas to you and everyone.
Best Regards, Admin. AccessTomorrow.”

The admin of TerraProfits (reviewed here) requested an interview with MNO which have been sent already. So I hope to publish it on my blog as soon as they reply. TerraProfits is really an interesting program in itself and has been already paying for over two months on the following investment plans: 1.2% for 30 days, 1.5% for 60 days, 1.8% for 100 days, 2.1% for 150 days with the principal returned on expiry. The program is quite popular with investors as the minimum which one can invest is only $1 making it affordable to all. The variety of payment processors (AlertPay, LibertyReserve, PerfectMoney and GlobalDigitalPay) along with a unique script, instant payouts and the translation of the website into several different languages made it an even more interesting option to consider. So I hope that the upcoming interview with the admin of TerraProfits will raise some more interest for them and will help keep it alive for 2011 as well. I must also report here that yesterday I was paid my principal back on the expiry of the 1.5% for 60 days plan and although it was not instant as usual it was still paid within 24 hours of the request.

Other programs that paid me for the last two days include:
DollarCommerce, ECashBroker, XSeedFinance, FelixFunds, MutualTreaty, ReProFinance, AllianceAdvantage, TerraProfits, AccessTomorrow, FondosMayores, FutureTrails, ProfitixGroup, RussianOilFund, YesInvestment, GainBucks, RedOrchidInvest, ChristmasCracker and PrimoEarnings.

The newest program added to MNO just launched today and is called SpicaFinance. The program is not complicated and you don’t even have to create an account in order to join. All you have to do to invest in SpicaFinance is to click on the Invest tab you can see on the website, choose the currency you would like to invest with (dollars are accepted as well as euros), choose any investment amount (starting from $10), the investment plan of your choice (110% after 5 days, 140% after 15 days, or 200% after 30 days), choose the payment processor you’re going to pay your deposit from (AlertPay, LibertyReserve or PerfectMoney), and enter your email address where a confirmation email will be sent to you straight after the completion. Remember that you will be paid from your deposit in SpicaFinance on on the expiry date (please allow up to 24 hours to get paid) and automatically (so you don’t need to do anything to request your withdrawal from the program). The expiry date along with the chosen investment plan and even the amount you will be paid will be sent to the email address you specified during the investing process, so please be careful when submitting your details. SpicaFinance has a nicely laid out website and is protected by Dragonara on a dedicated server. I will look further into them after it’s moved to Paying status on MNO so stay tuned for that.

By the way, to all the HYIP admins I would like to remind you that MNO forum holds cash contests and if you are interested in becoming a sponsor of yet another contest and make your program more popular please contact me at abramsonp@gmail.com for the full terms and conditions. Of course your program must be listed on MNO first. All the terms and conditions of being listed on MNO you can always find here.

That’s about everything for today, guys. Again I wish you a Merry Christmas and a very Happy New Year ahead! Hope to see you all on MNO tomorrow and don’t get too drunk as I managed to get last night, lol!