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

Hello all! Hope you’ve all had a good weekend so far. For the second post on MNO today I have the usual news round up which I’ll be getting to in a moment, but I also want to look at a brand new short term HYI program called GoldInstant, a program which I’m sure will look very familiar to most regular short term players. Love them or hate them there’s definitely no denying the impact that the programs like GoldInstant have had on the short term HYIP industry so far this year, and while not all of them were so successful others proved to be very lucrative ventures for those who know how to play them right.

There’s four investment plans in total, all of which offer payments on expiry with interest rates depending on how much you invest. As is so often the case one of the plans borders on the ridiculous and is unlikely to ever pay, but the shorter term ones with some of the lower rates can be worth a shot if you play it right. The first, and to my mind one of the more sensible ones, runs for a term of just 1 day. So if you join today, you get paid tomorrow. Just the one payment is made and that will include your principal as part of it. The minimum deposit you need to join is $10 and for anything up to $200 you are being offered a return of 105%. So invest $100 today and get back $105 tomorrow. Pretty simple don’t you think? Higher rates are paid on larger deposits and are calculated as follows:
106% for amounts between $201 and $500, 107% for amounts between $501 and $2000, and 108% for amounts between $2,001 and $5,000. For larger amounts see the GoldInstant website. Maximum payout is 129% with no maximum limit on what you can spend.

The second plan is running for a term of 2 days. Minimum cost of joining remains unchanged at $10 and for anything up to $200 GoldInstant are paying 110.5% interest on expiry which also counts your principal as part of it. Rates for larger investments will be calculated as follows:
$201 to $500 earns 112.5%, $501 to $2,000 earns 114.5%, and $2,001 to $5000 earns 118.5%. There’s no limit to what you can deposit and the maximum rate is 179%. See the GoldInstant members are for further details. As you can see there is an almost imperceptible difference between how much you can earn on a day-by-day basis between the two plans, in fact were you to reinvest both your principal and profit in the previous one day plan for two cycles the difference for most people would be literally pennies.

GoldInstant‘s next plan runs for a term of 7 days and also makes one single payment on expiry that includes your principal. $10 is still the minimum deposit and for anything up to $200 GoldInstant are paying 137%. Other rates include the following:
$201 to $500 earns 144%, $501 to $2,000 earns 151%, and from $2,001 to $5,000 earns 165%. There is no maximum deposit and GoldInstant‘s top rate is 350%. But again you can see with some very simple calculations that financially speaking this plan offers very little that the preceding ones don’t. Sure, there’s the convenience of not having to withdraw and re-invest every day or two, but that comes with a considerably higher risk that doesn’t really reward you.

The final plan is unlikely to prove popular among anyone other than industry newbies, not to mention the term which even the biggest optimist would describe as lucky to survive one complete cycle at most. But see for yourselves. The investment term runs for 30 days with GoldInstant making one single payment on expiry. For a deposit between $10 and $200 for example you can get a return of 350% at the end of the term.
But for your information other rates include 450% for deposits of $201 to $500, 550% on deposits from $501 to $2,000, and 800% on deposits between $2,001 and $5,000. See the GoldInstant website for information on higher deposits. The top rate being offered is even less likely to be achieved though at 2450% with no upper limits on deposits.

There’s a decent enough spread of payment options which might indicate the admin is a bit more serious about this one. AlertPay are accepted in addition to the usual LibertyReserve and PerfectMoney. And something else that won’t hurt is the use of instant payments – as the name “GoldInstant” kinda suggests. Just log into your account and request your payout. It should then appear in your chosen e-currency account in under a minute.

GoldInstant is hosted by AntiDdos who as far as I can make out seem to deal exclusively with programs like this one. Despite them being a new enough name in the business I have yet to hear of any serious problems with the HYIPs they host so until further notice they look solid enough in that respect. GoldInstant is also on an SSL secured website and is running off a licensed GoldCoders script. If you need to contact the admin with any further questions or account related issues then you can do so by filling out the support form with your details on the contacts page.

As you may well imagine with returns on offer like this there’s no real business plan in operation to support this, no business other than online HYIPs anyway which we all know are very high risk ventures. Great when they pay off but honestly you have little grounds to complain if they don’t. It being your money you’re supposed to know what you’re spending it on after all. So like anything else you find on the net, caution is to be exercised if taking GoldInstant any further. Not to scare you off or anything, indeed a number of people have already made a nice profit from them by being quick enough to get into their first plans. And I should know because I’m one of them (I collected my own profits already last night). But do keep the spending to a sensible level and always look out for ways to reduce your dependency on one program by keeping a diverse portfolio.

DAILY NEWS FROM THE INDUSTRY.

Let’s start our news update with the regular newsletter from the admin of ExtraIncome Phil who was recently interviewed on MNO for the second time (read the it here). As you remember in the previous update he promised to name the two lucky winners who would share the jaw-dropping total prize of $1,750 between them. So those they were named and their prize money delivered in full. Of course the latest referral contest and the second interview on MNO made ExtraIncome even more popular and Phil admitted that it brought a lot of new investors and huge deposits via AlertPay, LibertyReserve and PerfectMoney made to three investment plans offered by ExtraIncome – 120% after 5 days, 145% after 10 days, and 170% after 15 days. Some amazing stats were also presented to the general public in this newsletter including the incredible amount of members (over 17,000) and the Alexa rating which recently put the site of ExtraIncome in the 10,000 most popular sites in the world according to the average traffic for the last three months. ExtraIncome has managed to become the #1 program on MNO and has achieved such tremendous success among the investors for its 131 days online. And judging by Phil’s words it’s only the beginning and would change the HYIP industry for good. He even suggests a third, fourth and even fifth interview on MNO. Considering I don’t make interviews with admins very often I believe Phil has a long term future plan for developing ExtraIncome and will share more success with his members. I can’t predict the future but I really hope that happens and ExtraIncome would become the most long-lasting short term program in the history of HYIPs. If you want to get more info about ExtraIncome before investing you’re welcome to read my original review of them published here, but remember only invest what you can afford to lose, as even being the best short-term program still remains a risky one. Here is the latest newsletter in full:
“Dear Members,
ExtraIncome has been online for 130 days now, and we are as much excited as you are, to have achieved such a great milestone. We have gone through many achievements during our online journey, the latest one being the second interview with the famous blogger, Paul, of Money-news-Online.com.
As you all are aware of, it is very rare, especially in this industry, that a program has had a second interview with MNO. But ExtraIncome is re-writing the history of all programs. This is just the beginning of our very huge and successful journey that is lying ahead. This is just a spark of a huge flame. We bet you will be surprised when you see even more such interviews in future, a third interview, a fourth one, and even a fifth one. This is not something which is impossible, because anything is possible for ExtraIncome, and we have already proved ourselves to be the best program in the industry.
ExtraIncome is the perfect choice for you to make money. We are here to you to help you change your destiny. Of course, we all have our own destinies, which lie ahead of us, but it all depends on what we do now, what we do at the present. Your destiny, your future, depends on what you do now, what you do at the present. And when ExtraIncome is here being your present, you will not have to worry about your future. We are here to secure your future. Only ExtraIncome makes it possible for you.
Our Alexa stats [ http://www.alexa.com/siteinfo/exincome.com#trafficstats ] speak everything about us. Those stats are a proof for everyone to know how popular we are, and know how trustworthy we are. The traffic rank of ExtraIncome has attained an unbelievable rank of 9,913, which means that we are now among the top 10,000 websites around the world. We have more than 17,000 members now, and our payment processors are getting flooded with so much of deposits daily. Many members are just investing and investing, because they believe in ExtraIncome. Some members have even made deposits of amounts exceeding $20,000, and this just shows how much trustworthy, safe, and secure ExtraIncome is a place to have your money invested.
ExtraIncome is the place where you can get close to 300% of your invested money in just one month time. ExtraIncome is the only place where you can invest your money without any risk. ExtraIncome has the safest and most profitable business model. We have strategized our business model to cater the needs of members who come from all aspects of life. We are open for all members across the globe, and we provide our service equally to everyone.
Now let us get into something which you all have been waiting for.
The referral contest we had launched on April 8th, 2011, and which ran for one full week duration, has successfully come to an end. It was a massive success, especially among the serious promoters. We have received a lot of registrations, and good amount of deposits. We know that most of you were waiting with much eagerness to know the results of the contest. It is time for us to announce the winners now. Before that, we would like to thank every member of ExtraIncome who actively took part in the contest, and did their level best to win the prizes.
We had 2 separate contests running in parallel; the prize promised for the winners of the first contest was $1000, and that for the winner of the second one was $750.
Only one member managed to meet the criteria of the first contest, and the $1000 prize goes to member “fortune15”. The prize of $1000 has been awarded to this member.
The winner of the second contest is member “Richest”. This member managed to meet the criteria of the second contest, and has been awarded the prize amount of $750.
We would like to congratulate both the winners, on behalf of the whole ExtraIncome community, for having grabbed the amazing cash prizes. Our very HEARTIEST CONGRATULATIONS to both of you!
We have more exciting contests, and implementations, coming in our way. Stay tuned for those. As we had mentioned in one of our newsletters, when the other programs become a history, we will be here, being the present, and the future.
Come and change your destiny with the one and only, ExtraIncome.
Best Regards, Phil Whitaker. ExtraIncome”.

Another promising short-term program – ProfitDeluxe – already finished a few cycles for its single 125% after 5 days plan and last night I was paid on expiry of my first deposit with them pretty fast. I hope that will become a very profitable experience for me and my readers and I’m looking forward to getting the interview questions back from the admin of the program Daniel who promised to send me the interview later next week. And I hope we will find out more interesting things about ProfitDeluxe in addition to the features discussed in my detailed review published here. So sty tuned for the upcoming interview with the admin of ProfitDeluxe on my blog next week, guys!

The admin of GulfReserve Alina (the program was first reviewed on MNO here) proudly announced the addition of PerfectMoney to the already accepted LibertyReserve and AlertPay. The good thing about that addition is that the payouts from all the investment plans offered by them (4%-5.5% for 30 business days, and 1.2% for 150 calendar days) are now instant and automated. All you have to do is to request your payout from your GulfReserve account and get paid within seconds.
One more thing about GulfReserve is the unique features that Alina is trying to add to make it more attractive to both the current and the future investors. So the recent bonus cash of 1% that was claimed by many members was followed by the video presentation of the program which described the program in one short 2-minute clip. The most recent features introduced in the recent newsletters include the addition of a paid short survey which both active and inactive members of GulfReserve can find in their member’s area and by spending a couple of minutes on submitting the answers to a few questions get rewarded with real cash prizes described in the last newsletter. I myself got the bonus of 1.5% on my investment of $200 with GulfReserve ($3) which was requested and received instantly to my LibertyReserve account. Those active participants in the program’s threads on MMG, TG and DTM forums would be also rewarded with free cash upgrades in the program provided they take an active participation in the discussion and post frequent payment proofs. These announcements will definitely establish a better connection between admin and members and make them more loyal and attracted to GulfReserve which is more important when it comes to promoting your HYIP in this highly-competitive arena. Here is the latest newsletter:
“Couple of things to discuss in this newsletter, Firstly:
Paid Survey Offer:
I am glad to announce launch of our survey program, where you will need to answer only few questions about GulfReserve and help us enhance our services.
You will in fact get paid for taking part!
Please login to your account and with in account area home, You will find a button which will lead you to survey page. Please note that even if you are not an investor, you can still participate.
Investors will earn 1.5% bonus of their current active invested principle with minimum of $0.05 USD as bonus and there NO maximum. If you don’t have an investment with us. You will still earn $0.05 USD per participating in this quick survey.
Our representatives are out there:
We have sent our representatives in major known forums such as TalkGold, DreamTeamMoney and MoneyMakerGroup. They will respond to your queries and support questions. If you are an active poster in above forums, and often post your payment proofs and positive feedbacks. Your username will be forwarded to us and you may be eligible for attractive rewards such as $50 to $100 USD free bonus upgrades.
We did this effort and hired additional staff to establish a better relationship with our members and this effort will also help them get better and faster support.
Regards, Alina.”

Yesterday on MNO I mentioned the reason for some people not receiving payouts from IvaStock (reviewed here) was not filling out the request correctly. If the admin Airen doesn’t know the details of the payment processors he has obviously no idea where to process the payouts which can lead to the delays. So, in order to avoid this situation please double-check before submitting your withdrawal request in both plans offered by IvaStock (10% for 12 days and 5% for 30 days) that your payout fields for AlertPay, LibertyReserve, PerfectMoney, SolidTrustPay or GlobalDigitalPay are properly filled in with the relevant information. You can do this by clicking the Edit Account tab which you will find in your member’s area. In the latest update the admin once again asked members to put their account info and make sure they request the withdrawals to the payment processors they have listed in their profiles already:
“Hello. Hope you all enjoying weekend. All payout completed and going on in schedule.
During weekend we searching members a/c from which they invest and put those information in to there back office. It is possible due to holiday and its very time consumed process.
Still we unable to add some members account information who earned referral commission and become free members.
****** Again we requested all members please put their payment processor information and only one time check before withdraw and requested promoters please inform your down line regarding this issue.
Thats all for now and enjoy weekend
Airen. CEO IvaStock Inc.”

I hope you have already read the interview with the admin of BusinessVentureFunds program Jonathan which was published on MNO earlier today (click here to read the interview). If you haven’t yet I suggest you to do it here, because Jonathan managed to answer all my questions in much detail which I appreciate as well as his desire to appear on the MNO Live chat next week (the date and time will be announced shortly). Such proactive admins like Jonathan who aren’t afraid of members’ questions should be treated differently from others as that Live communication will help all prospective members of the program understand how it all works, get answers to all their questions and decide their participation in the program. In my opinion, BusinessVentureFunds looks really interesting and appealing to a wider audience, especially since they added AlertPay to LibertyReserve and PerfectMoney. The fact that in BusinessVentureFunds you don’t have to create an account and straight after depositing the minimum of $5 in 2.15%-2.85% for 120 business days will receive your first payout direct to your payment processor account on the following business day is also quite prominent and unusual for this type of long-term programs like BusinessVentureFunds. The rules governing the return of your principal on expiry from BusinessVentureFunds is yet another interesting feature which was discussed in detail in my review of the program published here. The latest email from Jonathan giving the link to the latest interview published on MNO can be found below:
“Hello all,
Hope you are all having a great day! I am extremely pleased to inform you that Paul from Money-News-Online has published an interview with me which he conducted recently. I would like to encourage all members to go ahead and and read it as I am sure you will get some interesting information about BusinessVentureFunds and our operation. Here is the link-
http://money-news-online.com/blog/2011/04/17/17042011-interview-with-the-admin-of-businessventurefunds/
I would also like to inform you that I will be participating in the Live Chat session organised by Money-News-Online soon. The date and time for this is yet to be confirmed. I will send out another update once this is finalized.
Regards. Jonathan”.

There was quite a lengthy update today from Derek, the admin of PrimFix. I remind you that the program pays 120% after 15 days, 160% after 30 days, and 210% after 45 days via AlertPay, LibertyReserve and SolidTrustPay was added to MNO monitoring 10 days ago and so the first payouts on expiry of the first plan are expected to be done next week. Even though PrimFix is still very new and Derek still has to establish his reputation he started promoting his program quite actively and this was the third official newsletter sent in the last few days. In this update he reported on some new features available for the members (MaxiVote allowing you to vote on all the famous monitors in one click) and coming updates and additions (PerfectMoney will be added soon as well as an extended FAQ and the program’s own Chat room for Live sessions similar to MNO Chat). Anyway, I guess the first payouts on expiry next week will speak volumes about his real intentions so I will update you when I receive my first payout from PrimFix next week. Stay tuned for that, guys! Here is the full latest newsletter from PrimFix (originally reviewed on MNO here):
“Dear members,
During this week I got some messages asking me how I started on the gambling industry, it was many years ago, I was nearly addicted to betting but realized that was not going to take me very far so I started to study the market and found myself into arbitrage betting, it started out with a loan I took from the bank and I managed to make that money grow but then I decided to take it to a higher step, that was when the idea of PrimFix was born. I got some more people on the team to help me making the right decisions and here we are today.
Also, I would like to tell you that we added MaxiVote, it’s a very interesting tool for voting on several monitors at once, we tried them out and we were really satisfied, you can find a link to it on our “PrimFix Everywhere” page, voting at monitors is very important to spread the word about PrimFix and MaxiVote makes it much easier so when you get paid, please take a few minutes to go there and vote for us.
Again we got many e-mails asking about the reasons we take 15, 30 and 45 days to pay the profits. We will add this to our FAQ later today, we need time to move our money between different Bookmakers and e-currency accounts, all these transactions take time and we are paying a very high profit percentage so it really needs to be done, patience is a virtue and it has always been healthy. The HYIP industry is overflowed with hit and runners, it used to be by users but now it’s happening with administrators, there are dozens of programs being opened every day and we are not of them, we are here for the long run.
We will install a live support session system on our site very soon. We will be online 2 or 3 times a week for these live sessions in different time stamps so that users from all the world can come and talk to us, these sessions will be opened for both users and visitors so that everyone can ask whatever they want and we’ll try to answer all the questions.
Another great news is that we will add PerfectMoney very soon, we have already opened an account with them and will include it in our script soon. We were a bit skeptical about it but we changed our mind after doing some more DD and signing up there. It took us a bit long because we needed to find a reliable exchanger but we found everything now so we can start accepting deposits with it.
We listed PrimFix at several regional blogs and forums during the week and we are still doing it. We want to create a global community at PrimFix and we want your help with that so please, list us in your local forums, it doesn’t matter where you come from.
Some members also had some doubts about making investments, we will also add it to our FAQ later. When you make a deposit to your account, you make a deposit to your account balance, you need to go to “Investments” on the sidebar and choose a plan to invest it.
That’s it for today, members who joined us on the first days on plan A will get paid next week so you’ll hear people talking about us soon.
As usual, if you have any questions, please contact us.
Best regards, Derek”.

Most probably the recent scam SafeDailyFund is using the good name of PermanentProfit (reviewed here) in order to hype its new scam called by the same name and even using the real monitoring buttons that are displaying paying status for the real PermanentProfit program currently paying 1.2%-3.2% for 5 business days and returning principal back after 7 calendar days accepting LibertyReserve and PerfectMoney. This is not the first case when a scammer tried to register a domain name very similar to that of another genuine paying program and scam the investors using the design on the scammed program already. I’m not sure if there will be so many fools to deposit in the fake plan offered by the fake PermanentProfit site offering 486% after 20 minutes (!) but still please be careful about that. More information was posted in the latest update from the admin of the real PermanentProfit site:
“Dear all,
We have just received some members of the reminder, a fake Web site try to cheat the investors, they used our monitor codes that we have added.
We only have a unique domain name “www.permanentprofit.com“, please don’t trust the fake site with domain “www.permanent-profit.com” that used our monitor codes.
Also we don’t offer any high roi to our clients. Our aim is to low-risk, long-term stable returns. We hope to serve more customers, and let them enjoy our plan to bring them a bright future.
Thanks for your understanding and support.
Best regards, PermanentProfit Inc.”

Staying on the topic of scams please at all means avoid depositing in the latest offer from GainBucks which was recently put to Problem status due to confirmed selective payouts. The most recent scam from them which nobody will be paid from of course offers 25%-30% interest for 15 days with payout on expiry and a high deposit minimum of $1,000. This is exactly the same trick used by the admin of GainBucks in order to get deposits into the 30-day plan that was announced over a month ago and on which he now refuses to pay. So please be really careful with them and don’t throw away your hard-earned money on it:
“15 Days Plans Launched
We pay upto 30% daily to your account daily for 15 days. Total 450% return.
Principal Deposit and interest rate GUARANTEED. Limited invest amount offered, will be closed for invest once reached the investment limit.”

Finally I can clarify the situation with DreamRoi. The program has really stopped paying to LibertyReserve while continuing to pay AlertPay instantly. That alone of course doesn’t give DreamRoi any right to be displayed on honest monitors as Paying because we can obviously see the selective nature of it here. However I got a reply from the admin of DreamRoi Matt today who unsurprisingly reported the hacking of his LR account but promised to pay to all AlertPay depositors until the last dollar on his account is gone. It’s no surprise for me either because traditionally AlertPay cannot be used by the HYIP admins (especially those of short-term programs) so they keep paying to investors who made deposits via AlertPay longer than to those who made it via LibertyReserve and PerfectMoney. I don’t know if the story with hacking LR is true or not but one is thing for sure – DreamRoi is on the verge of collapse and even the paying statuses on some monitors together with the removing of my logo from DreamRoi‘s rating page will not be able to save them. The only thing I suggest is for those who invested via AlertPay in DreamRoi is to wait and hope to get paid instantly once your turn is near but of course, it’s totally suicidal to re-deposit into any of their plans, because it’s highly unlikely you will see your money back.

Just yesterday I thought what a great program OilCapital was but by the last night everything changed as the site suddenly went offline. Till the last minute though the payouts were processed instantly, so I don’t believe this downtime was intentional. OilCapital still might come back as I did get a reply from the admin Jack today who was totally unaware of the reason for the situation but promised to look into it. Unfortunately I still don’t have any additional information from him as to when the site is going to be back online and what exactly was the reason for the downtime in the first place. Since OilCapital has a long and successful history of being online for over a year I would not lose hope yet but any new update from the admin would be more than welcome. So far, we can only wait and hope. I have moved OilCapital to Waiting status on MNO meanwhile. Please be sure that if I have more urgent updates about OilCapital I will share them with you in my next post or in my Shoutbox where I usually post breaking news for the investors. Stay tuned for hopefully some positive news from OilCapital soon!

Here is the list of the programs that paid me for the last 36 hours that are listed on MNO monitoring:
GoldInstant (the first instant payment received), ExtraIncome, IvaStock, SuperMoneyInv, CitrusFinance, EarnoSphere, GorgonProjectInvest, ProfitDeluxe, EliteAlliance, AutomaticEarn, BrilineLimited, RebelFunds, Alteriva, EurexTrade, ImperialFund, MidasGoldFund, Agromatica, Opulentia, ViscoCorp, PicoProfit, SafeDepositary, MakeDepositToday, GulfReserve, BusinessVentureFunds, PermanentProfit and BrantonsGroup (the first payment received).

That’s about it for today, guys. I hope to see you all tomorrow when you will be able to read the full review of a new promising program Alteriva that was added to my monitor just a couple of days ago and, of course, will be able to find out the latest news from the most popular HYI programs online. Only on MNO – today’s news today! Stay tuned and see you tomorrow!