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

Hello all! Continuing with a sort of “mini trend” developing on MNO recently I’m going to take a look at another long term HYI program today that’s just been added to my monitoring list. You may remember if you were reading yesterday that I just introduced it last night as a brand new program called SiliconValleyGroup. I’ve just received my very first payment from them today so before today’s news I’d like to take a closer look and see what they’re all about.

To start with SiliconValleyGroup are brand new, so that’s one thing they have going for them. They also have a very affordable minimum deposit so it’s open to as wide a group of investors as possible. What they’ve got to offer is basically just the one investment plan broken down into four sub-sections based on how much you’re prepared to spend. As you might guess with a name like SiliconValleyGroup the plans have various tech based themes to their names. Of course the only thing we’re really interested in here is the numbers.

SiliconValleyGroup‘s first investment option – and I suppose the one of most interest to you – is called The Computer Tech Plan. You can join it for a $10 minimum deposit and spend anything up to a $999 maximum. The plan runs for 180 calendar days and makes daily interest payments. It should be noted however that payments are made on business days only, despite the term being described in calendar days. The rate on offer here is 1.8% paid from Monday to Friday.

That should give you 9% per week and allow you to break even after 56 payment days. Because the plan runs for calendar days but only pays on business days I can’t really put the exact final figure on what you could potentially earn. You see that will depend on what day of the week you join. But I’m going to just make an assumption that you encounter 130 payments days during the 180 calendar day term, so a ballpark figure would be in the region of 234%. This would be considered as pure profit after SiliconValleyGroup return your principal.

Straight after that we move into the realm of the the more serious HYI players. Because $1,000 is the minimum requirement for SiliconValleyGroup‘s second offer, The Mobile Tech Plan. In terms of the inner workings of the plan itself it doesn’t really differ from the previous plan insofar as it runs for 180 calendar days but will only pay you on business days. The daily rate however goes up to 2% paid from Monday to Friday. That would allow you to earn 10% in a week, break even after 50 payments, and after SiliconValleyGroup returns your principal on expiry have an estimated profit of approximately 260%. The maximum deposit is $1,999.

$2,000 is the minimum deposit you’re going to need to make if you wish to join The Bio Tech Plan, which is SiliconValleyGroup‘s third option. Again 180 calendar days is the term, while you can expect a payment on business days only. The rate is 2.2% per business day allowing you to earn an 11% return over a week, break even after 46 payments, and finish with something around 286% profit (give or take a couple of points) in addition to your principal which is also returned. Maximum spend is $19,999.

And finally for information purposes SiliconValleyGroup have what’s called The Microprocessor Tech Plan. It accepts deposits between $20,000 and $250,000, runs for 180 calendar days, and makes payments of 2.5% interest on business days only. Your principal is returned on expiry.

That isn’t quite everything about the plans however. For one thing compounding is available for fans of the practice. The other important thing is that if you feel 180 days is a bit too long a term to commit yourself to (and if it is then you’re spending too much!) SiliconValleyGroup will offer you the opportunity to leave early. Like most things in life it isn’t free of course, so if you want your principal back at any time before the 180 day term matures you’re going to have to surrender 35% of it in fees. That’s going to seriously eat into anyone’s profit so make sure and make some very careful calculations before doing this.

Otherwise the list of payment processors isn’t bad for a long term HYIP. As well as the usual LibertyReserve and PerfectMoney, SiliconValleyGroup also accept AlertPay which isn’t something that every long term HYIP does right from the start. Payments are made instantly which, after receiving my own first payment, can confirm is the case. Just log in and request it from your members area and you should see it in under a minute. Just be aware that this service is not necessarily guaranteed either and the admin reserves the right to take up to 48 hours to process payments manually should the need arise to switch off instant payouts (and I think we all know that can happen from time to time in any program).

SiliconValleyGroup is hosted by the always dependable BlockDos on a dedicated server. Their website is SSL secured and is running off a licensed GoldCoders script. If you have any questions or account related issues then you can contact the admin either directly via two different e-mail addresses or by filling out the support form with your details on the contacts page and submitting it. There’s also a couple of postal addresses published, though what exactly you’d find by calling to either is questionable. It is an internet based business after all.

I don’t really have a whole lot to say about any outside business activities of SiliconValleyGroup due to the fact that most of the texts relating to it have been copied directly from another non-HYIP related website. For what it’s worth the claim is selling software licenses for computer and mobile technologies, but as I said you can find the very same text word for word on the website of an actual software company. So just treat SiliconValleyGroup like any other online HYIP, which of course doesn’t have to be a bad thing either. Just accept the risks that go with the benefits and stay within sensible spending limits, using them as a smaller part of a more diverse portfolio.

DAILY NEWS FROM THE INDUSTRY.

Let’s start the news for today with the shorter version of the latest newsletter sent late last night to all the members of ExoticFX program (reviewed here). First of all, the admin of the program Charles (interviewed here) hurried to apologize for the recent delay with AlertPay payouts explaining this with the internal masspay problems but at the same time he assured everybody that ExoticFX is just a month old and is only starting to gain momentum. So obviously the program is just in the beginning of its long journey to the top of the HYIP world which I think will come there sooner rather than later. Charles also emphasized that he had some plans to introduce a trading platform on the website which will allow members to trade by themselves, and that’s why he puts the utmost importance in reading the ExoticFX blog articles from the offline financial world. Although in my opinion I have to wonder why somebody would risk their money by trading themselves if you can easily earn by depositing with as little as $10 in one of the investment plans offered by ExoticFX – 1% for 120 business days, 1.2% for 140 business days, 1.45% for 160 business days, 2% for 180 business days (principal back), 110% after 2 weeks, 125.6% after 4 weeks, 146.5% after 6 weeks, and 192% after 8 weeks? Anyway, apparently ExoticFX is trying to distance itself from the world of HYIPs (and honestly, who could blame them?) where any payout delay is treated by investors as a warning sign rather than just a technical glitch. Charles is trying to break this tradition and abolish the barriers that separate the admin and his investors. No small task of course and it will be extremely hard to achieve, taking months to build such confidence. Anyway, savvy investors obviously realized what investment potential ExoticFX can offer and that the first month online is definitely just the beginning of something new and exciting. Here is the latest newsletter from ExoticFX:
“EFX Members Newsletter 3.22.2011
With our first full month online behind us we are full steam ahead. The overall level of participation, deposit ratios, support from members, and our position as the Up and Coming Investment Leader is gaining momentum.
There is no doubt we are the One-to-Watch. While some are sitting on the fence and waiting for the first Term8 payouts to be made, others are racking up huge profits. Take a look at our ‘Top Traders’ page here: https://www.exoticfx.net/top_traders.php .
Yesterday we were having a problem with our masspay system as it pertains to AP. So AP withdrawal requests were processed later than LR, but still well within the 24 hour window. The problem was not AP’s but ours. We had switched the account used to make payments and basically had some errors in our entry. No big deal, really. But seeing some members’ postings about late payments and fear, I wanted to address the issue.
Understand, we first double check all withdraw requests as a security measure. Then we make the payouts when this process is completed. While only a couple of members squirmed because of the delay, the majority realize that all good things take time and they appreciate the efforts we go to in order to ensure accuracy and security. We appreciate your patience and can see by your comments that you realize we won’t let you down.
Blog
Once again I want to divert your attention to our Blog. The EFX Blog is gaining in notoriety and popularity. Our Social Media Manager Keiko is doing a fantastic job and it certainly shows in the comments of those who have discovered this media outlet we have created.
If you have yet to visit our Blog we again urge you to visit, subscribe, and read the materials we are providing there. You really need to inform yourselves as to what is happening outside your own environment.
Don’t get me wrong. I realize that most of you are ‘Show Me The Money’ driven individuals. But that is exactly what we are doing. Our Blog is not ALL about ExoticFX. In fact, it is quite the contrary. It is all about the MONEY!
Our blog is providing some of the most informative and money making information available online. If you are a member of ExoticFX then you should by all means visit this Blog, research the information, and be prepared to put it to good use. In the months to come we will provide numerous additional ways for you to take advantage of the education we are providing by opening our own online trading platform and allowing you to create your own account and participate directly in trades on our dime. You can read more about this in a newsletter we released recently here.
HYIP is evolving…
Partake in the Evolution and join ExoticFX
Our latest commentary involving
The dollar’s “imminent crisis,” delayed… for the moment…
Bullish on Japan ….
Uranium and Cameco Rockets …
Gold vs. Dollar …
Global Economics …
Can be found here: http://www.exoticfx.us/blog/2011/03/22/the-dollars-imminent-crisis-delayed%E2%80%A6-for-the-moment/ . Don’t Miss It!
ExoticFX – Just Profits!”

You know it’s quite rare but sometimes very pleasant surprises happen in the HYIP industry when you’re glad to be proven wrong about a program’s intentions. Take InvestPlatforms (reviewed here) for example. Yesterday I received all the pending payouts from that program and, most importantly, it was confirmed independently by two MNO readers as well. So I had moved them back to Paying status on MNO once again. It’s really appreciated that the admin of the program John has fulfilled his promise and that most of the outstanding requests have been paid already. Following the alleged hacking of their LibertyReserve account and possibly a lot of money stolen InvestPlatforms still managed to get back on track and I really hope that this will be the last bump on the road they encounter. It’s also appreciated that currently the deposits from LibertyReserve and PerfectMoney are not possible to be made while only AP deposits can be made. This is done to properly ensure that the program’s security is up to a high standard once again and that such thefts would not happen again. Here is the latest news posted by InvestPlatforms today:
“PAYOUTS SENT.
Dear Investors,
We are terribly apologetic for the delay in our payments. This has caused tremendous panic these days but we are committed to keeping to our promise. There was a slight delay but we have cleared at least 80% of the payments outstanding.
For all whom have not received your payments or have received an erroneous one, please contact support and we will attend to you as soon as possible.
Once the payments are settled, we will resume our services and meanwhile we have temporarily disabled our payments accounts and therefore no deposits are accepted at this moment until we have cleared the air.
Interest calculation will resume within 2 days and you are free to continue further withdrawals while our team builds up website and account security to prevent anymore major thefts.
Sincerely Yours, John Rona”.

As I predicted CorpBayGroup couldn’t cope with the payouts once again and I have a pending withdrawal from them for over 72 hours. There was no other choice than to move the program to Problem status on MNO once again. This time I think it’s the final end of CorpBayGroup as it’s flagged as Problem or even Not Paying already on many monitoring sites. Anyway, that was a very bad idea to invest in a program that was obviously struggling with the payouts for the last couple of weeks where delays made me put the program to Problem status on MNO on three separate occasions. The last news about them adding AlertPay and SolidTrustPay posted on the CorpBayGroup site a couple of days ago was possibly one last hopeless attempt to draw in more funds. Unfortunately it was too little too late as most investors are too shrewd for that these days and won’t pay any attention to programs constantly delaying payouts no matter what incentives their admins are offering. I guess they are now just another example proving my point of view to avoid investing in programs with a history of payment delays. They don’t invest your money in Forex, you know, so there can be only one explanation to it – ongoing cashflow issues!

One thing that could be either good or bad (depending on what angle you look at it from) is changing the plans. Apparently when an admin launches a program he has an ideal picture in mind of how attractive his program would be to online investors and how much money he could make by providing sustainable returns in the long run. Well, not always does this become a reality and most often the admins are not satisfied with the outcome. So they decide that something has to be done in order to increase the level of interest among investors by introducing new plans and sometimes just changing direction completely. From my experience I’m aware that such sudden changes don’t necessarily mean that the program is on the verge of collapse or the admin is making one last effort to squeeze the last few pennies from his failing program. Of course that scenario is also viable, but sometimes such sudden changes can give the program an extra boost and help it succeed. Everything is up to the admin’s intentions of course, which we cannot know for sure. So we can only guess what prompted the admin of PermanentProfit (reviewed here) to change his former plan of 1.2%-3.2% on every business day forever to a very similar but at the same time very short-term plan paying 1.2% – 3.2% daily for 5 trading days with the principal returned after 7 calendar days. One thing is for sure – such a change from a perpetual program to a low-ROI short-term program paying 6% pure profit for a week can give it a second life and encourage the investors who are not afraid to try something new to take advantage on this new plan. I remind you that the minimum to invest in PermanentProfit will remain $10 and there are still only two payment processors accepted – LibertyReserve and PerfectMoney. We will wait and see how it will affect the program’s performance in the long run but I find this twist extremely interesting. Here is the latest newsletter from introducing the new short-term plan and announcing the closure of the old one (existing investors will continue to be honored however) PermanentProfit:
“Firstly,we are extremely pleased to let you all know that our program have been in paying status more than 1 month, and we have been growing rapidly for the past few weeks.
At the same time, we also received a lot of customer feedback, one of which is to shorten the investment plan period.
The good news is that we made an important decision eventually through the serious discussion with our traders. Our investment plans will be changed to 5 trading days profit period, meaning that your principle will be back to your account after 7 calendar days, you can choose to continue investing in our investment plan or take your principal back when the plan is complete.
Another thing is that we will close previous investment plan, of course, the clients have invested to the plans is still valid and will continue to be profitable.
Let us looking to the future of our company and continue to serve our customers in various countries and regions.
If you have any further queries or doubts, feel free to contact us, and we will assist you at the earliest.
Best regards, PermanentProfit Inc.”

The following programs paid me for the last 48 hours:
SafeDepositary, EliteAlliance, ExtraIncome, ImperialFund, ExoticFX, ForexTradingTeam, ReProFinance, OilCapital, DenXon, Agromatica, BestProfitInv, GorgonProjectInvest, EurexTrade, FondosMayores, ArchitectonicInv, ViscoCorp, FirstMonetaryFund, GainBucks, InvestPlatforms, MidasGoldFund, SparkMetals, FundOfProfit, Roserlink, AssetManagement, PermanentProfit, UnicornInv, BankOfPanama and SiliconValleyGroup (the first instant payment received).

Two new programs have been added to MNO today. The first is called SafeDailyFund. It started just a few days ago and offers a range of investment plans with instant payouts to AlertPay, LibertyReserve and PerfectMoney. Depending how much money you are willing to invest in SafeDailyFund you will have three options (the minimum deposit starts from $10) – 1.5% for 10 calendar days, 2% for 20 business days, or 2.5% for 40 business days. Please note that the principal will be returned on expiry, so whatever you earn per day is pure profit. The website is decent enough with SSL-protection installed and registration details from Vanuatu provided on the About Us page. The program is running off a licensed GoldCoders script and is hosted on a dedicated server with DDoS protection from Dragonara. Despite the familiar script, upon registration you will receive a non-generic email from one of the admins of SafeDailyFund Albus Potter which is an instruction for newbies on how to get started with the program. I think it will be useful for some of my readers so I will give the email I received in full below:
“Hello, Thank you for completing your registration process and welcome to SafeDailyFund. Our mission is to help you achieve greater financial security by allowing our team of traders to increase your capital each day; securely and instantly. Youre now apart of a dedicated private member investment group, who essentially work together to achieve long term financial success. Your earnings with SafeDailyFund are completely passive, and do not require any knowledge of Forex or other financial trading industries yourself.
Our professionals manage your deposit and offer a stable return each day for you. A percentage of our daily earnings are paid to each active investor at a consistent rate each business day. Our system is completely automated and secured for your peace of mind. We’re dedicated and honest, and will continue to provide updates on our situations as often as needed. When many investment companies fail, our private club will still be standing strong. It is our passion to run profitably as long as possible and provide each member with the real earnings they have longed through high yield investments.
Be sure to follow our news updates and newsletter regularly for any changes. If you have any questions regarding your first investment you may read the following invest-guide for a quick start with SafeDailyFund. If you need additional assistance, contact our live support chat located on our homepage.
–SafeDailyFund Quick Start Investment-
Making your first personal deposit is quick and easy. You may start earning from your first investment for as little as $10 and in as little as 10 minutes. We offer a variety of payment processors to fund your account and make your first deposit. We accept LibertyReserve.com, PerfectMoney.com, GlobalDigitalPay.com, and Alertpay.com ecurrencies. These are payment gateways for making deposits and receiving withdrawals instantly.
The easiest method of investment is AlertPay.com . You may simply add your bank account or credit card using Alertpays free personal account and youre then ready to make your first deposit. If you prefer to save on bank transferring or credit card fees, you may choose our other ecurrency options: LibertyReserve.com, PerfectMoney.com, or GlobalDigitalPay.com . Visit each site for more information on transferring funds to these online payment gateways. We recommend Xchanger.org for any of your exchange needs.
Login using your registered information below, and click on ”Make A Deposit” tab to begin your first investment. Choose an investment package that suites your needs and will allow you to earn the most on your deposit. You will earn a daily percentage each working day depending on your initial deposit amount, and the deposit is returned when the investment term expires. Use the provided investment calculator to calculate earnings, and know exactly what you will earn over a period of time. Because each investment is private, there are no additional fees associated with earning. You may choose to reinvest or withdraw.
If you need more assistance on making your first deposit and securing your financial freedom, or want to know more about how SafeDailyFund works or operates, please contact our live support. http://SafeDailyfund.com/?a=support
Thank you. Albus Potter ~ SafeDailyFund”.
So, I hope that the full review of SafeDailyFund will be done tomorrow when I’m expecting to receive my first instant payout from the 1.5% for 10 calendar days with principal back on expiry plan. Stay tuned for further information.

The second program which just upgraded to Standard listing on MNO today though the program has been online for over two months now is called EarnoSphere. Well, it’s truly fascinating how a program paying such high returns for mostly short-term plans can survive for so long, but the more important question is for how much longer it will last. I can tell you straight away that fans of AlertPay will be disappointed here as EarnoSphere only accepts LibertyReserve and PerfectMoney. The minimum starts from $10 and you have the choice of four plans all of which are paying on expiry – 115% after 5 days, 135% after 10 days, 180% after 20 days, and 280% after 40 days. Since EarnoSphere is running off a licensed GoldCoders script you have to request the payouts manually and should be paid within 24 hours. EarnoSphere is also a totally SSL-secured website running on a dedicated server from one of the leading providers in HYIP industry – Dragonara. So stay tuned for more information and further analysis on EarnoSphere on MNO soon!

That’s about everything for tonight, guys. Hopefully tomorrow we will have more positive than negative news on MNO. But regardless of what happens you will still only get the most up to date news from any source in the HYIP industry. See you then guys!