TimeIsMoneyInv has been moved to Problem status on MNO due to selective payouts! Do not invest!

Hi everybody! Hope you’re all having a good weekend so far. Before we get to the news if you were reading yesterday’s update on MNO you will have seen a new addition to my monitoring site called TimeIsMoneyInv. That’s a brand new short term HYI program and I’d like to take a closer look at it for you this evening. It’s definitely a high risk venture but one I think will for better or worse also attract quite a few takers due to the generous sized profits on offer. I mean it’s the type of thing that just happens to be popular at the moment. TimeIsMoneyInv include among their numerous plans some that pay you by the hour, and having tested them myself can at least confirm that the program is currently paying.

So that’s where we’ll start. The first of seven investment plans on offer from TimeIsMoneyInv runs for a term of just 12 hours, during which time you can earn an hourly interest payment. The minimum cost of joining is $10 and the maximum amount accepted is $1,000. While the term is running you receive an 8.5% payment to your account every hour. That adds up to 102% in total and includes your principal.

Next up on TimeIsMoneyInv‘s list is a short on expiry plan. The minimum cost of joining is a $10 deposit and the upper limit is capped at $1,000. The plan’s duration is 3 calendar days and payment at the end will be 117%. That includes your original deposit of course so the net profit for you is 17%.

Then we return to hourly payments with the third plan. TimeIsMoneyInv still require a $10 minimum deposit with the maximum remaining at $1,000. The plan’s duration is 24 hours and the interest paid during that time is 4.35% per hour. By the end of the cycle that will amount to 104.4% in total, and includes your principal leaving a 4.4% profit for you.

TimeIsMoneyInv reverts to an on expiry payment for its fourth plan. $10 is the minimum deposit in order to join and $1,000 is the maximum. The plan runs for 5 calendar days this time and 128%, principal included, is what’s on offer at its completion.

Following that we again return to hourly payments with TimeIsMoneyInv‘s fifth plan. Just like the others the minimum cost of joining is a $10 deposit and the maximum stays unchanged at $1,000 too. The term runs for 48 hours during which you can earn 2.28% interest on your principal per hour. That will give you a final sum of 109.4%, or in other words on top of your principal a net profit of 9.4%.

We then see TimeIsMoneyInv return to a single on expiry payment plan with if by far the highest risk option available and perhaps on you might do better to avoid. But if it’s too tempting for you at least try to use it in conjunction with the lower risk plans and keep not much more than the minimum in this one. It runs for 10 calendar days and offers a payment of 166% on expiry. The minimum cost of joining is $10 (and honestly I wouldn’t put much more than that into this one) and the maximum is $1,000. Lust like all the others TimeIsMoneyInv will count your principal as part of that.

And then for the final investment plan we are back again to hourly payments. This time the term is 72 hours and the rate per hour is 1.59% which by the time the plan completes its cycle adds up to 114.5%. The minimum investment is $10 and the maximum is $1,000. TimeIsMoneyInv count your principal as part of the final earnings so your own profit should come to 14.5%.

There is one very important aspect to these plans that come to think of it I really should have told you at the start. They’re a bit misleading. How so? Well, the hourly plans will only credit your account by the hour, they don’t necessarily transfer money into your e-currency account like that. Oddly enough for a HYIP that makes hourly interest payments TimeIsMoneyInv do not always enable instant payouts, though they are made sometimes. So while you watch the money racking up in your members area it simply remains a number on your computer screen until after the admin pays you manually. The accepted payment processors include AlertPay, LibertyReserve, and PerfectMoney and in the event of instant payouts not being available you are asked to allow up to 12 hours to receive it manually.

TimeIsMoneyInv is running off a licensed GoldCoders script however the website is not using SSL encryption. They are hosted on a dedicated server with support and protection from AntiDDoS. They’ve quiet for a few weeks now but longer term readers may remember they hosted a slew of similar short term programs dating back since I think it was late last year. Most were popular, some were even quite successful, and a couple of others are frankly best forgotten. But one thing they had in common was no serious hosting issues that I became aware of so I guess they’re a solid enough provider. Not that that guarantees the safety of you money of course. If you have any questions for the TimeIsMoneyInv admin or any account related issues then you can fill in your details on the ticketing form on the support page and submit.

Clearly there’s no serious business plan backing the whole thing up but I guess few people in the HYIP industry have much of a problem with that. Otherwise they wouldn’t be here, right? But if you are looking for fast couple of bucks and are comfortable with the fact that TimeIsMoneyInv are only going to be able to sustain the project for matter of days or weeks rather than months or years, then it might be worth a bet. Just remember that it is only a bet so as always keep your spending to a safe and affordable limit and try to diversify your portfolio a bit.

DAILY NEWS FROM THE INDUSTRY.

TrueWealthAlliance is another new program recently added to MNO which is going to be reviewed on my blog tomorrow. The admin of the program Martin has added a third payment processor GlobalDigitalPay to the the already accepted LibertyReserve and PerfectMoney. You can deposit in three plans of your choice – 1.5% for 30 days, 2% for 60 days, 2.5% for 90 days with the principal returned on expiry. In the latest update Martin also mentioned that he was not going to add AlertPay or SolidTrustPay to the list due to the problems they cause for seemingly random and unjustified reasons for HYIPs. Well I would totally sign that petition against AlertPay whose reputation has plummeted in recent months in my eyes, especially though not exclusively in light of their shocking treatment of EFX (a program that could potentially single handedly revived the entire HYIP industry were it not for their interference). However in the interests of fairness I am unaware of SolidTrustPay behaving with such a cavalier attitude towards any HYIPs or causing any problems for them. So the argument against adding STP remains weak to me. Anyway, here is the latest from TrueWealthAlliance:
“Global Digital Pay has been added
We have now added the option of Global Digital Pay to our accepted payment processor line up.
We have had a few requests for the addition of AlertPay and SolidTrustPay. Through our research we have determined that too many programs have had problems with those payment processors. Therefore we have decided not to add them.
Even though this time of year is claimed to be slow for the HYIP industry we are experiencing steady and increasing growth. We are pleased with our humble beginning. We are determined to earn your trust.
Martin Campos. TrueWealthAlliance”.

Although OnlineWealthFund is yet to finish the payouts on expiry of its shortest term plan paying 1.9% for 14 days and yet to do so with the recently modified plans offering higher returns of 2.3% for 21 days and 2.9% for 42 days the admin of the program Gene (interviewed here) has announced the first referral contest today where those with a flair for attracting more active members could win some exceptionally generous prizes. The contest will be ongoing for the next few days and the full rules have been posted in the latest newsletter from OnlineWealthFund which was originally reviewed on MNO here:
“End of first cycles and beginning of the affiliate race
We are approaching the end of the first full cycles in our program. Many members will see their principal returned and possess good profits over the next few days.
It does seem that the changing of the initial plans was very well received and has intrigued many members, both current and new, to begin investing in the more advantageous longer term plans. It is really a misnomer though as we consider none of the plans being long term. Forty-two (42) days is a very short period of time to acquire the type of returns and profits we offer and 42 days is our longest term.
We wanted to say thank you to those members that are really spreading the word regarding OnlineWealthFund. There are quite a few members that must be very good at affiliate marketing.
OnlineWealthFund would like to sponsor a contest or Affiliate Race. We will keep it fairly simple with 3 prizes for the 1st, 2nd and 3rd place winners.
1st place will receive $250.00
2nd place will receive $125.00
3rd place will receive $75.00
The rules are easy. Whoever are the top 3 affiliate marketers with the most new affiliates (counted from the moment of this newsletter being posted for the next 5 days- ends Midnight GMT on June 30th) will receive the prizes. New affiliates will be considered if they have an active investment.
We wish you all well and again appreciate your support.
Gene Adkins. OnlineWealthFund”.

As you know changing investment plans, especially when a program is old enough like ReProFinance which is swiftly approaching 400 days online can be quite confusing for the existing members who joined under the old plans. But the new ones are currently paying higher returns of 1.6%-2.3% for 90 business days and 1.8%-2.5% for 180 business days with principal returned on expiry and instant payments processed to AlertPay, LibertyReserve and PerfectMoney accounts. So a very important clarification was posted on the website of ReProFinance (reviewed here) making clarifying the payouts which would be processed for those who invested before June, 21st (the day when the new plans were rolled out) under the old scheme. In my opinion, this is not quite fair for those who joined the program just days before the new plans were introduced as they will not be able to enjoy the higher returns which was almost doubled since. However this statement must have been made to avoid any further confusion. If you are an investor in ReProFinance please read the update below carefully:
“IMPORTANT NOTICE.
Dear investors. Since we have issued the new line of Plans, all old Plans are moved to archive state. That means that all deposits made before June 21 are payed as per archived plans as following:
Conservative 90 / 180 – 0.8% / 0.9% daily
Balanced 90 / 180 – 1% / 1.2% daily
Aggressive 90 / 180 – 1.2% / 1.5% daily
Special 90 / 180 – 1.5% / 1.9% daily
All new deposits made after June 21 are payed as per new Plans as following:
Intra Plan 90 / 180 – 1.6% / 1.8%
Trend Plan 90 / 180 – 1.7% / 1.9%
Reviera Plan 90 / 180 – 2% / 2.2%
Proxima Plan 90 / 180 – 2.3% / 2.5%
Thanks for your attention.
ReProFinance administration”.

The admin of GulfReserve Alina (interviewed here) has apologized today for the brief downtime earlier due to their exceeded bandwidth limit. The site is loading fine now but to put a positive spin on it the downtime indicates an enormous level of popularity GulfReserve is enjoying from investors now that they reached the #2 spot on the MNO rankings. GulfReserve has been running for three months paying instantly to LibertyReserve, PerfectMoney and AlertPay via three main investment plans – 4%-5.5% for 30 business days, 1.2% for 150 calendar days, 105% after 5 calendar days. If you remember I have announced a cash contest on the MNO Forum open to all MNO readers where you can win a $5 cash prize for answering some questions from Alina. Unfortunately I still don’t have a list of appropriate questions and therefore cannot start the contest. But knowing that GulfReserve is kinda slow to reply over the weekend I believe I will get the questions by tomorrow which will help me start the contest properly. Here is the brief newsletter sent by GulfReserve (reviewed here) today which explained the short downtime the site faced:
“Uptime
Hey, This is an apology email to all our participants, about the unexpected downtime this morning. Actually this was totally unexpected as we ran out of bandwidth which took unbelievably few hours for hosting provider to just allocate more bandwidth to us, and as all of you are already aware that due to massive promotions by our hard working promoters, and excessive site usage, it is certainly possible to run out of bandwidths.
However site is back to normal and operation as always expected!
Thank you, GulfReserve Team.”

It came as a surprise to me when I discovered the account of SecureReturn was hacked today due to which the admin had lost all the invested money. I don’t know if it’s a coincidence but the program stopped paying just before the first payments on expiry of its 5 day plan were to be processed. I’m not sure how to treat this confession received to my mailbox tonight regarding the alleged hacking incident. Another highly suspicious thing about that is that the admin of SecureReturn didn’t switch off new deposits in the program, therefore he cannot be considered an honest person making him no better than the alleged hacker that supposedly emptied his wallet. Anyway, SecureReturn is finished now but just for your information I’m re-posting the newsletter received from the admin:
“Hello Paul,
I am really devastated to tell you that I can’t go any further. I can’t even think of what to do next. Please tell your reader not to deposit at my site.
Yesterday in the matter of just 6 mins a hacker transferred all the money from our account. Unfortunately I wasn’t on my desk at that time. I know you will tell everyone that I have scammed. But real case is I have been scammed. I didn’t even recover my investment. You can see that total deposit amount is only $3600. My investment is much more than that. So there is no reason to go away with this amount.
I trusted a lot on the goldcoders script to allow instant payment. Maybe that trust is the reason for my failure. I am giving you the reply of the hacker. You can see it below-
SecureReturn Support request from Friday 24th 2011f June 2011 07:50:00 AM
—————————————————————
for your future programs please pay $500 to lr: U5550105 in memo type program url then we will add you to our “friends list” and I promise your program will not be hacked.
Support reply
You want more money? you just withdrawn all the balance we had in our account.
Hacker reply
no I don’t want more now, but if you want to avoid hacking when you open new programs(and I’m quite sure you will) then
I give you option to pay $500 to LR U5550105 in commets put program url and I promise you will be safe your LR account will be safe and instant withdrawals will be safe, consider it as security fee.
As he is quite sure i am going to open new program but I am telling you I am not going for it.
Again I apologize for my failure.
Best Regards, Alex.”

The following programs have paid me within the last 24 hours:
GulfReserve, GorgonProjectInvest, LucrativaFund, EasyDollarsGrowth, EarnGroups, TimeIsMoneyInv, BrantonsGroup, Insectrio, ReProFinance, SafeDepositary, EurexTrade, Opulentia, DranTex, PrimFix, StockBiz, WindFund, BaseBucks, AdvanceFund, and EverydayEarnings.

That’s all I have for you tonight, guys. See you on MNO tomorrow with another review and more news and updates from the HYIP industry!