Hi everyone! I want to change things a little today, weekends being quite enough for news stories, and there being a particular subject relevant to the time of year I’d like to discuss with you today. I have another new program to tell you about from my monitoring page, but I’ll save that for tomorrow. So today, welcome to issue number 9 of MNOFridays where I try to share some of my own thoughts and opinions on the HYIP industry with you and hopefully spark some discussion. And no, the irony of this being Saturday is not lost on me!

So the subject matter today is rather like a comic horror movie – The Nightmare Before Christmas – or Black December as it’s so often referred to in the HYIP industry. Long term MNO readers and experienced investors will be well aware of this already but for the benefit of new players (and December always sees a share of them) it needs to be said in plain English that this time of the year is traditionally the least predictable, the least stable, and the most dangerous month in an industry not exactly noted for it’s dependability anyway. So I guess what I want to talk about today is why. What is it and why does it happen? And what can you do to protect yourself, assuming you’re not leaving the industry completely (if you’re reading this I’m guessing that you’re not).

There are also a certain number of low grade “monitors” out there (“hacks” is what I’d call them) that will tell you that the problem of Black December is either vastly exaggerated or else doesn’t even exist. Don’t believe them. These people have a vested interest in keeping you spending as much money as possible. It makes no difference to them that you are throwing this money away because the lure of ref commissions is something they choose not to see past. I have been in this business for many years now, and for many of them before I ever started MNO. I can tell you that the problem is very very real and I can’t name one single year from the last ten where it didn’t happen.

First of all, what happens in the industry in December to that gives the entire month such a wretched reputation? In a word – Christmas. Let’s be honest, it’s the worlds biggest most frenzied spending spree, and who couldn’t use a couple of extra bucks? As anyone with friends and family knows, Santa Claus doesn’t work for free! So now the regular HYIP players are joined by an influx of newbies looking for fast money. And with that comes the usual group of bandits to exploit them.

There are always some unscrupulous admins that will start online HYIPs without ever having the slightest intention of paying anyone and that number is only magnified at this time of year by admins looking to do a little Christmas shopping of their own, paid for by you. So they open high interest short term HYIPs in the hope of luring you in. But that’s not where the problem ends. A lot of otherwise serious programs also collapse at this time due in part to members themselves not investing. They obviously also have better things to spend their money on, as well as learning from experience what the dangers are. It’s a sort of “catch 22” situation where investors won’t invest because of too many closures, and programs close due to no investors. Throw the scam admins just out to rob you into the mix and the situation isn’t helped one bit. The whole industry revolves around cash flow, and if it isn’t flowing then the industry grinds to a halt.

The problem is most prevalent among short term games, but it by no means ends there. Black December has claimed its share of long term scalps too. Many members of such programs, even those there for months on end, have now decided that they have achieved their goals set while joining these programs in the first place so now it’s time to reap the rewards, withdraw their principals, and spend the profits on enjoying the holidays. If that describes you then congratulations! You deserve it and have achieved what every HYIP player dreams of – to play the industry and walk away with a bag of free money that you didn’t have to work for. In a wider industry perspective however it creates problems elsewhere by increasing the pressure on the admin to deliver results for the remaining members.

Only the strongest long term programs come through this period unscathed, or at least those with far-sighted and experienced admins with the sense and the vision to store a healthy cash reserve away in order to overcome this temporary situation. Newer long term programs are less affected. The admins there rarely start up new programs with the intention of having a fast scam. If they do they don’t know much about the business because there is relatively little money going into them at this time, most investors preferring to bide their time until January when they can better assess the market and its recovery. But new low ROI long term programs don’t have any serious financial commitments to make at this time and are usually safe enough. The admins rarely expect much money anyway and are more content to build their reputations and enter the new year as a well established and reputable program with a solid history of steady payouts behind it. And December can also be seen as a good test period for low ROI programs, with the strongest and most dynamic moving forward.

If only the same were true of short term games. The problem of deliberate conmen out to rob you is enough to bring down a lot of the fair admins as well, not to mention that whole chain of dominoes of short term HYIPs all piggybacking on each other.

Which kind of leads me nicely to the next point about the natural cycles that the HYIP industry goes through. Pretty much like the real world economy the HYIP world also has its “boom and bust” periods. At the end of the day there’s only a limited number of players participating in this industry and no matter how good a program is sooner or later they’re simply going to run out of people prepared to join, and that means running out of fresh money. This may be starting to sound like I’m drifting away from the main point now which is still Black December, but I’m not. It’s still part of the natural order of things and the well dries up when there is more people than money. My point being that in this case the situation is simply exacerbated by the annual plague of short term scams and their criminal admins that descend upon us at this time. Ultimately something that could either destroy or at least do long term damage to the industry and the decent admins that will at least give you a fair and equal chance of winning/losing a couple of bucks. But then that’s a matter for another MNOFridays issue.

A perfect example of this domino effect was seen just earlier this year with the crisis that hit the industry. One reason for this – and by no means the only reason – was a huge number of new investors coming into the industry for the very first time. They found all these gigantic money factories making huge payments for 12, 18, or more months and jumped to the (wrong) conclusion that they simply had to be real genuine investment companies. A massive injection of new money spurred these HYIPs, including PanaMoney, GeniusFunds, GNI, and others on to even greater heights. But these “investments” are in actual fact more like loans. The interest repayments were absolutely crippling for the admins, all of whom decided to pocket what they could while the going was good and leave town as it were with your money. The fact that all of these giants collapsed within a short time of each other took down all the small time HYIPs piggybacking on them shortly afterwards, sending the industry into free-fall. This was worsened by the closure of StrictPay which was (to be fair to them) once an excellent payment processor. Not only did investors lose even more money there, so did the admins so they couldn’t refund you, even in the unlikely event that many of them would actually have tried anyway. Wait, now I really am drifting from the point! But I think you get the idea of what’s going on here.

Say what you like about this industry but if nothing else as a whole it is very resilient and flexible. It has a long and rich history of bouncing back. Nature hates a void as the saying goes, and wherever there is a demand there is a supply waiting to meet it. Wherever there are people who want to make money fast and anonymously (and not be taxed on it unless you want to) then some, shall we say “entrepreneur” will organize an online ponzi/pyramid scheme. And it’s vitally important that you never lose sight of the fact that this is basically what this industry is all about. Sure, you can be philosophical and say it’s a microcosm of the entire capitalist system. But it’s still about ponzis and pyramids and sooner or later it all comes crashing down before getting built back up again. And that’s a point that you should never, I repeat never, forget if you are going to be a successful HYIP player. Just in case you’re wondering that’s a lesson I learned the hard way just like everybody else. In fact even I was in this business six months before I ever did better than just break even! Other blogs and monitors might try and convince you that there is some real “bricks and mortar” businesses functioning as online HYIPs, be they real estate, oil and gas, fish farms, or whatever. There isn’t. Please, trust me on that.

I know what I’m talking about and like I said at the start there are a lot of piranhas out there with a vested interest in keeping you spending money that you’ll never see again. Experienced investors know I’m right about this, but as this industry has a high turnover of players experienced investors are in the minority. In fact I’d even go so far as to say the closest any HYIP ever came to real business is the so called “black ops”, ie long term HYIPs opening short term scam HYIPs (anonymously of course) in order to boost their spending power. Forum ads and sticky topics ain’t cheap you know!

So how can I sum it all up? Well, for one thing the HYIP industry is subject to it’s own set of natural laws. You don’t invest money with HYIPs, you loan it to them. They pay you interest up to the point where they can’t afford to anymore, and then run off with what’s left. That much can’t be denied. Everyone has his own strategy for being one of the winners – invariably at the expense of one of the losers. If anyone has a problem with that then sorry, but you’re not suited to playing these games. But in December these rules just go haywire. First time investors are coming in to try their luck and make some easy money for Christmas, and long time scammers are waiting to take advantage of their lack of experience, also with the same goal in mind. Albeit a lot less honorable! The rest of the industry gets caught in the crossfire, but as usual normal service will be resumed in 2011.

The smarter investors most likely to come out of this the best will be those entering the newer and the most promising long term programs, the admins of which are unlikely to be thinking about fast scams simply because they are unlikely to make much of a profit until well into the new year. Sorry to fans of short term HYIPs. I love the thrill of them too but they have a very limited place in Black December. Not always the fault of the admins, many of whom are genuine, but that’s how the game is played. All it takes is two or three crooks to spoil it for the rest of us, and when it’s your money we’re talking about, not theirs, then you have every right to be cautious.

Finally at this point I think it’s a good time to remind you of the poll currently running on MNO. You’ll find it on the right hand side of the page and it poses the question:
What is your investment strategy for “Black December”?

There are some interesting results taking shape there at the moment and the possible answers include:
1. I will skip this month completely and will not invest in any HYIPs until the new year.
2. It’s a dangerous period and I know it so will keep my investments to an affordable minimum.
3. I will still try to make some money in HYIPs during December because I need some easy money for Christmas.
4. I will be investing as usual as I don’t believe December is always bad. There is still a lot of opportunities there.
5. 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.

Before we move on to the day’s news let me just thank you for voting, thank you also for reading, and invite you to share your own opinions on Black December. Agree with me? Disagree? There’s no such thing as a wrong opinion so please share them with the rest of us. Leave the bickering and the sniping for the conmen. Healthy debate and the sharing of experiences will only benefit us all in the long run and is encouraged on MNO. So raise your voice and speak your mind!

DAILY NEWS FROM THE INDUSTRY.

Let’s start our news update for today with an event that made many members of AvatarSurf happy today. I’m referring of course to the first payouts from 144% after 12 days plan that were completed today. Of course, during the first 12 days online the payouts from other plan that pays daily (11% for 11 days) were regularly paid to its members but definitely this on expiry payout showed that the admin John is serious enough to bring the program to the top of the surfing sites. Granted it’s not a tall mountain to climb these days! But I can only acknowledge his efforts andagree that plenty of people are now in profit. Please note that in order to earn your daily income you have to surf 12 sites every 24 hours in manual mode and then your account will be credited with daily earnings which you can withdraw daily or on expiry (depending on which plan you go for). According to the admin AvatarSurf has reached over 850 members and keeps growing. I’m not sure for how long the program will last considering Black December which was traditionally not good for such short-term program. But perhaps a different concept of the program where you can advertise your sites and referral links, as well as the variety of payment processors accepted (AlertPay, GlobalDigitalPay, LibertyReserve and PerfectMoney) together with fast payouts will be able to surprise us and we will see AvatarSurf in Paying status for more weeks to come. Anyway, the admin is ready for new achievements and scaling new heights and promises that he will do his best in order to bring AvatarSurf to the top of the charts as long as investors support and promote the program properly. Here is today’s long newsletter from AvatarSurf (reviewed here)commemorating the first payouts on expiry that have been processed today (and yes, I received mine as well):
“Dear Avatar Surfers,
Ho, Ho, Ho! I’m John Williams, the first ever Santa Claus, in the Avatar costume (Err! Don’t take your stick to beat me, guys; couldn’t think of something better to begin the newsletter with). Well, we finally entered the month of December a few days back; a month which we all look forward from the very beginning of every year, to enjoy ourselves with our family, buddies, teachers, boyfriend/girlfriend (ahem! ahem!) to the most, as it is the month of the holy Christmas. Before I get into the main news, I wish everyone a very warm season’s greetings.
It’s with high excitement and joy that I’m sending out this newsletter; well, in fact the Christmas Eve adds much to the level of excitement. It’s a well-known fact that most of you have been enjoying your daily payouts from the 11% daily plans, for the past 12 days. But I know there has been even more of you, who have been waiting with much enthusiasm for your deposits in the 12% plan to expire and get paid. Well that lucky day, the 12th day since AvatarSurf began its online journey was today, the day on which we successfully completed our first cycle. Everyone who joined AvatarSurf on the first day of its launch, made a deposit in the 12 day expiration plan, got their deposits expired, and requested for their withdrawal today, has been paid. So as I cited, this day marks the completion of the first cycle of our expiration plan.
I would like to congratulate every esteemed surfer who got paid from us today, especially from the expiration plan, as today marks the day on which we reached one of the many breakthroughs, we have in our boundless, dazzling, and adventurous cruise ahead. With your constant support and participation, there is no doubt that AvatarSurf will witness the expiration and payment of numerous such cycles.
AvatarSurf has won the hearts of 850+ members over the past 12 days, and has collected a grand total of over $200K in deposits. Our Alexa rank has been snowballing at a breathtaking pace, ever since the launch of AvatarSurf. We are experiencing a very high growth rate at the moment, a rate which most of you can’t even imagine.
In fact, I too am stunned, and even more exulted, to see this kind of growth, but what more can I say? Simply astounding, isn’t it? I wouldn’t be flabbergasted to see AvatarSurf becoming a sensational triumph like the movie, Avatar. No bluffing, guys.
That can even happen; considering the prodigious growth rate which AvatarSurf is witnessing right now. Well, at this juncture, I am really overwhelmed with excitement, and eagerness, to know what you are feeling about AvatarSurf, especially considering the fact that, we have completed our first cycle successfully. So I have decided to add a testimonials section, and it will be done very soon enough, after which you will be able to submit your thoughts of, and experience with, AvatarSurf, through your fascinating testimonials.
Don’t you guys think there is something pending on your part to do? Did I hear someone saying “MaxiVote! MaxiVote!”? Yeah, you got that right. It’s time for you to MaxiVote. Well then, head straight to our Ratings page and “MaxiVote” us. Take part in our discussion thread at MoneyMakerGroup.com forum, and post your payment proofs there. You will be able to find me online most of the time there at MMG forum. Here is the link to our thread at MMG: http://www.moneymakergroup.com/Avatarsurf-Avatarsurfc-t362910.html. I’ll be looking forward to see your payment proofs there. Remember to do the same after you receive each and every single payment from us. See you there, guys.
Should you have any enquiries, or suggestions, feel free to contact me via the Live Chat, when I’m online there, to get them answered instantly. You may also use the support form to contact me by e-mail. I’ll do everything possible to assist you in the best way I can, and keep AvatarSurf everlasting. I expect the same from you in return; promote and support AvatarSurf to the best of your ability, capacity, and talent.
Cherish each and every moment of yours, with the prestigious AvatarSurf. May the blessings of this auspicious Christmas Eve, and the following New Year be with everyone, and fill you with the brightest moments, and ecstatic memories.
To your success, John Williams. AvatarSurf Admin”.

The admin of XSeedFinance sent out the first short newsletter to members reminding the newer ones about Saturdays and Sundays which are non-payment days for those investing in the daily plans paying 1.5%-2.5% on every business day with no expiry. Payments on the weekly plans paying 8.5%-13.5% weekly will be processed as usual (providing you made your weekly investment on those days). Also William, the admin of XSeedFinance mentioned a couple of published reviews which can be found on the rating page of the program now. Here is the weekend update from XSeedFinance whose detailed review can be found on MNO here:
“Hello members,
I just wanted to welcome all the new investors who joined us recently. We have had quite a productive week and I hope that we continue our good progress. Also, just wanted to remind all the new members that our daily plans pay only on business days. So, the next round of payments for the daily plan will be only on Monday. Weekly plan payments and all referral commission payments will continue to be paid even on the weekends.
Also, we are pleased to inform you that we have had reviews about us published by some popular investment blogs and review sites. You can find the links to read these reviews on the “Rate Us” page on our website.
Best Regards, William Hanks”.

TerraProfits (reviewed here) continues its language expansion in order to appeal to the widest possible global audience who might not understand English very well. Proven by experience in other programs such tactics can bring program a lot of success so such professional translations of TerraProfits‘ website should be really appreciated by the members. By the way, Spanish became the third language with earlier German and Russian versions being unveiled. I remind you that TerraProfits is paying instantly to all four payment processors (AlertPay, LibertyReserve, PerfectMoney and GlobalDigitalPay) and acceps deposits to the following plans with the principal returned on expiry: 1.2% for 30 days, 1.5% for 60 days, 1.8% for 100 days, 2.1% for 150 days. TerraProfits has been monitored by MNO for 40 days already and is currently ranked at #19. Here is the latest short announcement about the addition of the Spanish language made by the administration of the program late last night:
“Dear participants of TerraProfits!
Today we have good news for you – our website was translated to one more language – this time it’s Spanish. E-mail support is also available on Spanish now.
Best wishes, TerraProfits Administration”.

I’m glad to report that it looks like the admin of CazaInvestment Pally (interviewed here) is catching up with the pending payouts and as I see many payouts to both LR and AP posted on public forums today. In addition the admin was quite responsive to me and promised to pay to my referral the full amount due early next week. The problem is not solved yet but the man agreed to wait for a while until the admin takes the necessary steps and pay the whole amount due to him. Actually, he already received a 30% partial payment and I hope the admin will follow through and pay the balance as promised. So while I’m not fully satisfied with the constant issues with the program it definitely looks like the admin is determined to pay everybody and hopefully he will continue for the sake of all the members, because CazaInvestment is actually the only quality short-term program left that survived over 6 weeks online and is now in its seventh. The future of the program will depend on the members support and I’m aware that it’s important not to stir any controversy and let the admin do his job while he continues payments and keeps providing support on forums.

I think you should know by now that CazaInvestment reached the very important second spot on MNO monitoring page but the movement was made only due to CherryShares having been downgraded to Waiting status which was changed to Problem status today due to inaccessibility of the site and the still unpaid withdrawals to LR. According to the last newsletter from the admin of CazaInvestment last night, he will not rest until his program reaches the top spot everywhere and he already has a plan in mind to reward the members with some Christmas bonuses and presents that will allegedly be distributed to the members within the next month starting from December, 6th which will be next Monday. Also in the recent email from CazaInvestment (reviewed here) was some recent stats from the program and if they are true we can see that the amount of upgraded members is just a tad over 3,000 which is simply an amazing result for this time of year. I really hope that CazaInvestment will be able to implement all their plans into action and actually survive Christmas, although I think this will be an extremely hard task for them. But I did see miracles in the industry so we can only hope for one here too. Here is last night’s newsletter from CazaInvestment currently paying on three investment plans – 3.2% for 45 days, 3% for 21 days, and the most popular plan 12% for 12 days:
“Hello. This is so good to be true, CazaInvestment Inc now Rank No 2 in the most famous Money News Online Blog. Yes we are not going to relent until we become the No 1 Program in the Industry. It’s another weekend and we hope you have all launched yourself to the jingles of Christmas Bells. Our team is trying to plan an online Christmas party for all our members where participant would be able to win Christmas present in the form of gifts and bonuses credited to account. This would begin by Monday the 6th of December and would last until January 5th. We hope everyone is going to take advantage of this opportunity and have fun.
Here is a brief on our Statistic
Members: 4898
Upgraded Members: 3010
Investment: $166,287:28
Payout: $102,254,928
Days Online: 46Days
As of today we are keeping everything right, processing payments and replying to customer emails, we know it’s tough but we want you all to profit from this project hence we want to hang in here for some more time, We do hope you are having a wonderful membership in CazaInvestment Inc, Your No 1 Oil and Gas investment solution.
Regards, Pally Eppie. Relations Officer – CazaInvestment Inc”.

And just an couple of hours ago I received another weekend update from CazaInvestment where the admin Pally again reminded about some upcoming Christmas surprises which will begin on Monday and asked to allow 48 hours for your pending withdrawal requests to be paid due to security reasons and the necessity of manual processing of the payouts. So please take a note of that and do not complaint unless the required by the admin 48 hours are expired. Here is the latest newsletter from CazaInvestment:
“Regards on a weekend, we will take this time to appreciate all members whom have been supportive. You might not know this but you are the engine that propels CazaInvestment Inc and your support counts in more ways than one and more than you can ever imagine. We can design all we want, we can create all we want, we can suggest all we want but without your signing up to our programs, to invest and motivate this line of business, we will be nowhere. That is how highly regarded you are. So let’s join hands and make CazaInvestment Inc a place to be at all times.
Our Online Support is always attending to customers, please once you send us an email give us time to reply, we have a large member base and our staffs do well to always send a reply, we will always reply. Payment are been processed on a daily basis, please allow us 48 hours to process your request, we saying 48 hours because we are manually processing all payment and this is because we want to stay safe and not have any of our account hacked, it’s for your safety, we want to be of best service to all members of CazaInvestment Inc, We have you in mind and never have a motive of letting you down by delaying your payment of closing CazaInvestment Inc, We are here and we would make you proud.
Hey!!
Watch out for the Christmas online party which begins on Monday, It would entails lots of fun and benefit to members as we would be showing appreciation in the form of gift items and bonuses.
Thanks, Pally“.

I have been paid today by the following programs:
AssetManagement, ProfitEu, TerraProfits, FelixFunds, XSeedFinance, FenixTrust, Flamanta, Konstant, MutualTreaty, OnlineMoneyInvest, PandaTrade, ReProFinance, AvatarSurf, YamaFinance, FiboTradePro, YesInvestment, GainBucks, GloTrade, FondosMayores, AllianceAdvantage, CazaInvestment, RussianOilFund, FxEconomy, RevenueBuild and ECashBroker.

That’s all for today, guys. I hope you enjoyed today’s post on MNO and I hope to see you on my blog tomorrow. I’m ready to give you a detailed review of the newly added Finansima program and bring you the latest news and updates from the HYIP industry. Stay tuned and check out MNO tomorrow. You know it makes sense!