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

Hi everyone! I hope you’ve all had a good holiday weekend wherever you are and are looking forward to getting back to reality tomorrow. Gotta be done sometime you know! So anyway before moving on to tonights news I want to look at one program that’s been on my monitoring page in the Basic Section for the last couple of weeks but has just now upgraded its listing. It’s called MakeDepositToday and to be blunt it looks very much like another program from the same virtual “HYIP factory” that’s turned out so many extremely short term programs for the last number of months. Regular readers will I’m sure be aware of what I’m talking about here but to be fair to them, with a certain number of exceptions most have been good enough little earners considering what it is they offer.

So what is it they offer? Well, in this case MakeDepositToday has a total of six investment plans ranging from extreme short term low profit options that start paying you from as fast as one day to a couple of other short term plans that pay higher profits on expiry, to a medium term plan that is most likely best avoided. I mean it’s entirely up to you but from past experience I’d say if you’re serious about making money from MakeDepositToday then you’re more likely to achieve it at a more modest level from a shorter term option.

The first plan runs for 1 day and you will be paid on expiry at the end of it. Your principal will be counted as part of your final payment. It costs a $10 minimum to join and for anything up to a $4,999 maximum (which I guess will include pretty much all of you) MakeDepositToday are willing to make a 105% return. So simply put, invest $100 today and get back $105 tomorrow. Higher rates are available to those making higher spends which will be a payment of 125% for deposits of $5,000 to the maximum allowed $50,000. Not a bad offer but unfortunately too much of a gamble to find out if it’s genuine or not.

MakeDepositToday‘s next plan is also making payments on expiry. It runs for a 5 day term and makes payments on expiry that include your principal. It costs the same $10 minimum to join and anything up to $4,999 will get you 130% returned. So simply put a $100 investment here gets you back $130. For a larger deposit you are offered a rate of 220% on deposits between $5000 and $50,000 but you’ll be a braver man that I to go there. However I suggest you’ll be better off by joining the 1 day plan and then re-investing for a number of cycles. Earnings will be similar but at a reduced risk.

The next plan runs for a term of 10 days. I’d dismiss it immediately myself as it offers nothing but a vastly increased risk for what’s only a marginally better profit when broken down on a day by day basis were you to re-invest principal and profit in an earlier plan. It makes payments on expiry that include your principal. It costs the same $10 minimum to join and for anything up to $2999 MakeDepositToday offer 170%. In other words $100 investment here gets you back $170. For a bigger investment of between $3,000 and $50,000 the offer is a rather unfeasible 480%.

Following that MakeDepositToday‘s fourth plan runs for a 15 day term and as you can clearly see the risk goes up in tandem with that. So use your judgement here as well. But for a $10 minimum deposit you are offered a return of 220%. This applies to all deposits to a maximum value of $1,999. For amounts between $2,000 and $50,000 the rate is an even more unworkable 750%.

MakeDepositToday has a couple of short term options there that can be profitable if you’re fast enough. I don’t think the next plan is one of them and is included for informational purposes only. It makes one single payout on expiry after a term of 35 calendar days. It only costs $10 to join, but to be perfectly honest MakeDepositToday is unlikely to be around long enough for you to collect if you do join it mostly because of the impossibility of meeting the interest payment. That’s not to detract from the previous plans and MakeDepositToday do offer some opportunities for profit making, but it’s just not going to be in this one. But for the record here’s the main points:
1600% paid on expiry for $10 to $299, and 2100% paid on expiry to deposits between $300 and $50,000.

For the final investment plan the term drops right back down to 3 days again. This time however the minimum investment is a fairly stiff $5,000 and for anything up to a maximum of $50,000 there is one single offer of 300% interest, principal included. Though in the unlikely event of someone actually joining it would most likely mean the end of MakeDepositToday.

Payment options are very limited in the program with MakeDepositToday dealing exclusively with LibertyReserve and PerfectMoney. So you can forget about refunds if things don’t go the way you wanted. So remember not to spend beyond your means. On the plus side payouts are instant, which is essential for any program making payments on plans like these. Just log into your account and request them and you should have them in your e-currency account within minutes. That can also be a good indicator of the general health of the program so as long as they are enabled you should be ok.

The security is up to a decent standard with SSL encryption, a licensed GoldCoders script on use and hosting on a dedicated server by AntiDdos. Contact with the admin for any further questions or support related issues is made by filling in your details and submitting them on the support form provided. You may also write directly to the e-mail address provided or, if you’d care to try your luck, use the telephone number found on the contacts page. There’s a postal address in Panama and a Live Chat feature, though it’s not specified when (if ever) it’s open.

There’s no real business plan behind MakeDepositToday. It’s fair to say that’s another online HYIP based game, but that’s not to say you don’t have a chance to win a couple of bucks here either. It’s a limited one, but it’s still there. But if you’re taking it then you need to be making a move on it soon enough if you want to be one of the people who come away with a small profit. Keep the spending at a reasonable level,be aware of the risks, and if you’ve learnt anything from recent lessons in the HYIP industry you’ll know by now not to be over dependent on any one program so do try and diversify.

DAILY NEWS FROM THE INDUSTRY.

I would like to start the news update for today with another warning about ExtraIncome. It seems like not all investors are aware that the program is gone and will not be coming back. The site of ExtraIncome is still online and accepting deposits, however I would strongly discourage you from depositing in this scam. And I’m also wondering how people can still hope that the site will be paying soon. There is absolutely no hope that with the removed forum and rating page, suspended withdrawals and allegedly hacked accounts (which the admin of ExtraIncome reported as the reason why his program had to close but which I really doubt is true) the program will ever start payments again. Sorry, guys, but you have to accept the losses as well as the profits in this business and move on. Of course those invested via AlertPay are hopeful that they might reverse your payment and return it back to your account. Unfortunately, AP are not magicians and cannot return money from empty accounts as I suspect the account of ExtraIncome was by the time instant payments stopped. Otherwise the admin would continue payouts to AlertPay. So don’t hold your breath for a refund there as deposits via this payment processor also carry a significant risk (though it’s a bit smaller because payments usually continue to AP investors longer than to LR and PM). When the money is gone it’s gone, and everybody who was in profit from ExtraIncome (and I believe over the last four months a lot of smart investors were) got their returns from the unlucky ones who were at a loss. Sorry for the harsh words but that’s how the vast majority of HYIPs work. They simply redistribute money like a ponzi. And I wonder why some of you keep blaming MNO for your loss (I even received some threats like always happens when a huge HYIP collapses). Please note that by investing in HYIPs you might profit but you might lose too. It’s impossible to be a winner all the time. If you lose then the admin outsmarted you and you may try your luck in other HYI programs. That is why it’s so important to diversify your investments and never put all your eggs (your gaming money) in one basket (one investment program) however reliable it might seem to you at the time. As with the majority of HYIPs ExtraIncome has collapsed suddenly and it could happen with any program listed on MNO. So play right and don’t spend your food and rent money ever!

It’s good to know that sometimes I might be wrong and though I was cynical last night about the prospects for IvaStock‘s survival and even warned MNO readers from investing there for the moment. I can confirm now that the admin of IvaStock Airen has paid all the pending withdrawals today which has been independently verified by several MNO readers. Now we’ll see if such bad publicity caused by the recent payout delays affected its cashflow in any way. For now I confirm that the problems are over with IvaStock and it’s still paying on both investment plans – 10% for 12 days and 5% for 30 days – to LibertyReserve, PerfectMoney and AlertPay (read more about the plans in my review of the program posted here). Let’s hope that from now on we will not see the delays in IvaStock anymore, even of they are connected with some kind of religious activities which should have been announced beforehand in my opinion.

I remind you that DreamRoi is a scam now, selectively paying to AP investors only. Today the admin decided to trick some gullible investors once again by introducing another plan promising to double your money in just 1 day:
“We added new plan. If you invest in VIP plan you will receive 200% after 24 hours! Limited offer. DreamRoi”.
Needless to say that you will not see a dime from this program again, so please beware and do not invest in such scams as DreamRoi!

Let’s get to the news from more stable programs now. Just last night I reviewed the new short-term game DollarWallet on my blog (read it here) and a few hours later the admin announced the first winner of the weekly draw for a prepaid Visa debit card with a $500 cash balance it. Well, I’m still skeptical about this lottery and what would be required of the lucky winner to get this card delivered. So just take it with a grain of salt and just like any other advertising ploy from an HYIP admin. Although I believe that Matt has a good level of imagination if he manages to make DollarWallet stand alone from the many competitors that also offer similar plans to him – 105%-130% after 1 day, 116%-200% after 3 days, 160%-500% after 10 days, and 350%-1300% after 25 days. Please note that although AlertPay, LibertyReserve and PerfectMoney are all accepted in DollarWallet the payouts are not always instant and sometimes it can take up to 24 hours in order to get paid (it might happen when the e-currency accounts are empty and the admin has to replenish them with the new funds). Here is the latest newsletter from DollarWallet announcing the first lucky winner of the weekly debit card contest:
“Hello DollarWallet members,
as I promised earlier and mentioned on our Debit Card page. Today is the day when we choose the first lucky member who gets our $500 prepaid VISA debit card. Let me remind you that the lottery was held among active members (meaning those who have made at least one deposit with DollarWallet). We were using a software that randomly picked for us the lucky entry.
And the winner is… member with username ” edgarfil ” !
Congratulations to the winner, we will shortly contact the member for further information we might require and prepare the card for delivery.
The next card lottery will be exactly after a week. Next Sunday, May 1. Good luck!
Enjoy your Easter holidays and thank you for staying with us.
Admin, Matt Clifford”.

It looks like the admin of CitaFund has nothing to complain about as according to his newsletter after 5 days online the program is exploding with over 1,000 members already. CitaFund was just recently reviewed on MNO (read it here) and offers two investment plans – one paying on expiry (168% after 7 days) and one with daily payments (10% for 14 days). The minimum to invest in CitaFund is $20 and all the famous payment processors including LibertyReserve, PerfectMoney, AlertPay and SolidTrustPay are accepting. Perhaps that is contributing to its rising popularity and if the stats given by the admin are correct that means that every day CitaFund has 200 new members that deposited over $5K. Do you actually believe it? Here is the latest newsletter from CitaFund:
“Greetings Everyone !
It is our responsibility to inform our clients on the day to day affairs of our program and for this reason we are sending you this update on some special added features and the progress of our project in the last 5 Days of operating online.
CitaFund currently have a total no of 1021 members with a total investment of $18,000 in just 5 days of its online activity. We are ranked top in monitors with positive fast payment votes, CitaFund has a very steady and stable growth and this goes a long way to speak about our professionalism, with this balance we are sure going to stay online for longer than we plan.
Payout requests have been fulfilled to date!
We thank all members for your support of a better CitaFund. We appreciate you!
Have a good weekend,
The CitaFund Team”.

The admin of ExoticFX Charles (interviewed here) issued a very short update today with me in mind, lol. Well, I appreciate his sense of humor but sometimes the shorter the update the better. Some people have short attention spans after all! He also made his point very clear in this email and invited everybody to participate in the Live chat with him with a limited number of seats (just 50) on the day after tomorrow. I think it will be a really unique opportunity for the members of ExoticFX (reviewed here) to find out more about the program, its plans for the future and surely get acquainted with Charles in person. I hope to be able to be there as well if time allows but I would really appreciate if somebody from MNO tells me what was happening there if I can’t make it as I’m very curious it. Anyway, those who want to be in on the conference please be there in time as the meeting will only last an hour due to Charles’ hectic schedule. Here is the latest announcement from ExoticFX regarding that in the special update addressed to me personally:
“Meet the Admin
Hope you all have and are having a Fantastic Easter Holiday weekend for those of you that celebrate it. This 4 day weekend provided a much needed break for our traders and the Dantex/EFX staff.
Paul here at MNO doesn’t seem to enjoy my long-winded newsletters/updates anymore so this one was written with him in mind…. You’re welcome, Paul.
We would like to announce that we are going to hold an Admin Introduction meeting on April 27th from 12:30AM GMT until 1:30AM GMT (April 26th, 8:30PM to 9:30PM Eastern Time) in the EFX Traders Society Room.
This meeting will be an opportunity for you to meet me and ask questions regarding ExoticFX and the FTA programs.
Our chat room only has 50 seats at this time. With all that we have going for us at EFX and the growth we are experiencing, we expect to have a full house.
Charles Martinsen. ExoticFX Admin”.

Some programs reminded members that today was a non-business day and therefore the usual interest would not be credited to members’ accounts. Here is the latest from FondosMayores for instance (reviewed here):
“Dear Clients
This is to inform you that Monday 25th, 2011, is a non trading day.
Happy Easter
Admin FondosMayores
The FondosMayores Team”.

And this update came from one of the biggest low-ROI programs paying for eight consecutive months already – SafeDepositary:
“Non-trading day
SafeDepositary informs about non-trading day on April 25 because of Easter Monday. No interest will be paid out for today.”
I remind you that SafeDepositary was added to MNO monitoring 40 days ago paying 1.6%-2.3% for 150 business days with principal return on expiry and instant payouts to AlertPay, LibertyReserve and PerfectMoney (the program also accepts SolidTrustPay and Bank wires but the payouts are not instant there). If you want to find out more about that already extremely popular long-term program please refer to my detailed review of SafeDepositary posted here.

I’m glad to report that I was paid on expiry from the 0.6%-1.3% for 5 days plan with TencontFunds tonight. The withdrawal was made instantly to my LibertyReserve account just like the others. I remind you that TencontFunds was reviewed on MNO five days ago (read it here) and it offers a wide variety of investment plans with instant payouts to LibertyReserve and PerfectMoney accounts and principal returned on expiry – 0.6%-1.3% for 5 days, 1%-2% for 15 days, 1.4%-2.5% for 30 days, and 1.8%-3% for 60 days.

George, the admin of EarnoSphere had some good news for members and re-introduced AlertPay which will be now accepted along with LibertyReserve and PerfectMoney to the following investment plans – 115% after 5 days, 135% after 10 days, 180% after 20 days, and 280% after 40 days. I remind you that in the beginning EarnoSphere accepted AlertPay but then dropped it for some reason and when I added them to MNO five weeks ago it was only accepting LR and PM. Now, after more than 100 days online I’m glad that the admin took the chance and re-introduced it once which should definitely attract some much needed attention from investors and perhaps even move the program to the next level. The minimum to invest in EarnoSphere (reviewed here) starts from $10. Here is the latest from them:
“Hello EarnoSphere members,
I hope you have a good day.
I must say we have added AlertPay as our payment processor, and you can deposit via AlertPay from now on.
Best wishes, George Santee, EarnoSphere.”

The admin of GulfReserve Alina has upgraded the listing of her program on MNO to Premium which means that she’s ready to answer all my questions and the questions from MNO readers as well if you have them. Questions can be sent to me within the next 24 hours to my email address abramsonp@gmail.com or submit them via my contact form here. The program (GulfReserve was first reviewed on MNO here) offers instant payouts to AlertPay, LibertyReserve and PerfectMoney on two main investment plans – 4%-5.5% for 30 business days and 1.2% for 150 calendar days. Alina tries to use innovative ways to promote her program among potential investors, so I guess the interview with her might be an interesting read. So I will be waiting for your questions if you have any!

Just to conclude, and getting back to the ExtraIncome issue, I’d like to know how many readers were in profit from definitely the best short-term program of 2011 so far. I have opened a poll and just at the very end of the left sidebar you will be able to find it and vote. Your participation is highly appreciated and would help me to better understand how such successful HYIPs like ExtraIncome work. Basically, there are three options – you are either in profit, at a loss, or didn’t join ExtraIncome for whatever reason. Anyway, I want to know what you think, so please vote in the poll and the results of that will be drawn in a few days. Thanks in advance for participating, guys!

The following programs has paid to me today:
CitaFund, CitrusFinance, DollarWallet, ProfitDeluxe, GoldInstant, SiliconValleyGroup, TencontFunds, ReserveInt, AutomaticEarn, YourRisingProfit, GorgonProjectInvest, IvaStock, Walwex, GulfReserve, PicoProfit, OrientProfit, WallStreetCompany, MajesticFunds, ImperialFund, InvestNetGroup, MGFunds, BrilineLimited, EarnoSphere, MakeDepositToday, ViscoCorp and EurosFund.

The next update should be expected on MNO tomorrow when I’m going to review EurosFund and publish the latest news from the industry. Stay tuned for that, guys, and see you all tomorrow!