Beware! EsplinoGroup has stopped paying! Please do not invest there!

Hi everyone! After looking at a couple of lower ROI long term programs during the week already, before tonight’s news I want to go back to shorter term programs, namely EsplinoGroup which is a program that launched about a week ago.

The unusual thing about EsplinoGroup in relation to other short term HYIPs is that even though the website looks nothing like any of its contemporaries the plans they offer are remarkably similar to what you find in many of the popular programs. They’re presented in a much more professional manner I agree, but in terms of what EsplinoGroup are offering you, well, it definitely has a very familiar feel to it. Just slightly less cartoonish.

EsplinoGroup has five plans to choose from, and is generally the case with short term HYIPs of this style some are easy enough to play if you are sensible. A modest deposit will yield a modest profit and are safe enough up to a certain point in time. There’s a couple of others perhaps best avoided as they are unlikely to yield much more than a profit for the admin.

So to start with the first plan runs for a term of just 1 single day and makes one interest payment on expiry, a payment that includes your principal. So join today and get paid tomorrow. The minimum cost of joining is $10 and for anything up to a deposit of $499 EsplinoGroup offer a return of 103%, or 3% profit. You may make a larger deposit if you can afford to, and expect a higher percentage in return. The rates are calculated as follows:
Deposits of $500 to $999 will earn 104%, form $1,000 to $9,999 will earn 105%, and from $10,000 to $50,000 earns 110%.

The second plan runs for a term of 5 calendar days and also pays on expiry. The same $10 minimum deposit is required to join and for anything up to $499 EsplinoGroup are paying back 117% interest, a figure that includes your principal so that’s 17% profit for yourself. For larger deposits the following rates are offered:
122% for deposits between $500 and $999, 127% for anything between $1,000 and $9,999, and 160% for $10,000 up to $50,000.

EsplinoGroup‘s next plan jumps to a term of a much riskier 15 calendar days. It offers to pay on expiry though the program hasn’t been online long enough for anyone apart from the admin to have made any money from it just yet, so we’ll see how it works out in another week or so. Your final payment will also include your principal. The minimum cost of joining is $10 and the return will be 155% on anything up to a maximum value of $499. If you’re feeling lucky and wish to take a bigger risk then EsplinoGroup make the following offers:
Investments from $500 to $999 earn 170%, from $1,000 to $9,999 earn 185%, and from $10,00 to $50,000 earn 290%.

The risk increases for the fourth plan which pays on expiry after 30 calendar days, however it still only costs $10 to join so you don’t have to take much of a financial risk if you don’t want to. For a deposit from the minimum up to a value of $499 EsplinoGroup offers 215%. Beyond that the rates are:
245% for $500 to $999, 280% for $1,000 to $9,999, and 700% for $10,000 to $50,000.

The final option is a plan that’s perhaps best avoided due to the rates being offered by EsplinoGroup being highly unlikely to ever be achieved. It runs for 45 calendar days and pays once on expiry. The minimum deposit is $10 and for anything up to $499 the rate being offered is 600%. For larger deposits the rates are even more unrealistic but for information purposes I’ll tell you they include:
800% for $500 to $999, 1000% for $1,000 to $9,999, and 1,200% for $10,000 to $50,000.

Payment options are very limited here but as long as you understand it’s a gamble before getting involved and accept there’s no refunds if things don’t go the way you’d hoped then it’s alright. EsplinoGroup accept LibertyReserve and PerfectMoney. Payments are not instant and will have to be requested from inside your members area. After you’ve made the request you are asked to allow the admin up to 12 hours to get everything processed. One thing I’d compliment the program on is the general efficiency with which they’ve handled the payouts. Up to this point at least I’ve never waited more than a couple of hours.

EsplinoGroup runs off a licensed GoldCoders script which most of the regular HYIP players will spot instantly. Hosting is provided by AntiDdos who are becoming more and more well known for hosting similar programs to this. Their track record is solid enough though remember that that only applies to the actual website and has no bearing on the safety of your deposit. They are keeping EsplinoGroup on a dedicated server. If you have any further questions or account related issues for the admin then the main point of contact with him is by filling out the e-mail ticketing form on the contacts page. You’ll also find a telephone number listed there. Personally I just gave up on verifying these things a long time ago by the way as they never worked. Just be sure to note that I’m not telling you this is the case with EsplinoGroup, I’m just saying you’ll have to call them up yourself if you want to check them out. There’s also a Live Chat feature though it’s not a 24 hour service and doesn’t state what time it runs during the day (if ever).

The texts are a little confusing to be honest and seem to have no real connection with the HYIP industry. “IT designing, programming, engineering, testing and refurbishment services” get mentioned which I must admit is a refreshing change from the usual nonsense spouted by admins competing for your money but how any of that is supposed to your money into more money is not really clear. Not that I’m all that interested anyway as I’m only looking at EsplinoGroup purely as an online HYIP and nothing else. That seems to be the general consensus anyway and doesn’t seem to bother too many, as I can see that interest in the program has been brisk. The admin has been active, seems to be a good communicator, and has done well enough getting his program noticed in what’s a very competitive section of the market right now. Having said that, it’s always a high risk activity so only spend what you can afford to lose, treat the industry as a form of gambling, and try to keep a diverse portfolio if you’re going to participate at all.

DAILY NEWS FROM THE INDUSTRY

Unfortunately, I received the interview from the admin of FIPO Joyce too late tonight and therefore was not able to publish it. I’ve postponed it til another day, but it looked suspicious when she insisted on it being published today as usually it doesn’t mean good things. The latest update from Joyce was posted today in regards to the recent downtime the site apparently experienced for a couple of hours which was not noticed by myself at all. Here it is:
“FIPO Latest update!
Hi members,
Our site, http://fipo.biz was down for a couple of hours due to network outage in the data-center. The issue has been fixed and the site is back only.
We apologize everyone for the inconvenience caused.
Regards, FIPO Administration”.
A strange coincidence is that the withdrawal requests look as if they haven’t been processed for today at all. That doesn’t seem to be in admin’s rules as she was bragging about them always getting done quite fast. I don’t know what the reason for that is but for the moment I would not recommend investing in FIPO until I get an appropriate explanation regarding the pending payouts. By the way, reading the official forum of FIPO I have noticed that I was not the only one who didn’t get any payments for today but the admin didn’t give any explanation there either. So stay tuned for my update tomorrow and hopefully everything will be back to normal then!

It is weird that I received a very nasty and obnoxious email from somebody claiming to be a friend of perhaps the most detestable admins in the HYIP industry Ali Al-Jibouri who tried to insult me again (lol, nice try!). He said that not only PreMoney was managed by him but also some other programs because he is a professional scammer. Well, after the story with Divatri and given that the style of his emails hasn’t changed I don’t see any reason why I shouldn’t believe it so now I’m sure more than 100% that he is behind PreMoney as well. I know that he reads my blog carefully and on a daily basis and would like to promise him that ALL of his scams will be exposed on MNO if I become aware of them. The HYIP industry is much better off without such individuals who have nothing in mind but to scam everybody as fast as possible. By the way, if you haven’t noticed yet after the involvement of UBS bank and the threat of legal action against PreMoney following their investigation into the use of a fake Bank guarantee of $10,000,000 on their website PreMoney removed any mention of UBS and now it’s just a “the largest bank of the Switzerland”, lol. Not to mention his quite poor English skills which are surprising from a program working in the UK for over 10 years (another lie!) and over 33,000 members PreMoney allegedly has now (yet another obvious lie!) I believe the program might be in serious trouble pretty soon and those who prefer to dig deeper and not just depend on the unreliable information provided by the very people trying to rob you will definitely find my suspicions correct and not deposit in PreMoney. I don’t believe that fake certificates and non-existent debit cards are a substitute for a capable admin, something PreMoney is missing. Divatri also had the same but it didn’t save it from collapse. Believe me PreMoney in on the way out as well, otherwise I would not have received such insulting emails from the admin Ali whose notoriously bad attitude towards his own investors is already a trademark in the industry.

Now let’s get back to the programs monitored on MNO starting with the latest update from UnitrustDirect (reviewed here). According to the admin (he was interviewed on MNO here) and the link to an interview given to BBC by an independent trader there is a huge opportunity for making money during times of recession. And you can actually learn how to make money instead of losing it by applying the right trading techniques. Well, the interview is really worth watching in my opinion as it is short but gives a lot of food for thought. However, I don’t see any apparent connection between the “real” financial world and the underground HYIP industry operated by the LibertyReserve and PerfectMoney money laundering giants which are hidden from tax agencies and a haven for HYIP owners who can stay anonymous by using them. So by no means do I want to insult this good quality high-yield program like UnitrustDirect paying instantly to LibertyReserve and PerfectMoney investors for over five months already and now getting increasingly popular day after day but I cannot agree with the point that they are making money from stock markets. Such claims cannot be proven and it’s totally impossible in the real financial world to give such high returns as UnitrustDirect offer, or to sustain them for a long time. Especially for a plan offering 403.4% after 125 days. If you think it’s possible to make that kind of money on stock markets on a consistent basis then you’re deluded. But you can always refer to my recent interview with the admin to read his version of how the program manages to offer such high-paying plans as – 14.7% for 7 days, 3.9% for 30 days, 2.91% for 60 days, 3.1% for 120 days, 102.5% after 5 days, 107.1% after 10 days, 123.8% after 25 days, 194% after 65 days, 403.4% after 125 days. Anyway, I will leave you to ponder the latest update from UnitrustDirect and definitely watch the video given there as it contains interesting opinions:
“Recession – Crisis or Opportunity?
 How to get a raise in a recession? How to make money from a downward market? How should one behave to protect his or her assets? Watch the video-interview of an independent trader Alessio Rastani to get prepared for the recession and treat a market crash as an opportunity to “make a lot of money from this.”
According to Alessio Rastani, everyone should be prepared and act now: “In less than 12 months, my prediction is, the savings of millions of people is going to vanish. The biggest risk people can take right now is not acting.”

Hard as it is to believe that an online HYIP can double your money in the stock markets I also find it hard to believe that you can profit from some kind of “insider trading” in the HYIP industry. As well as I admire the originality the concept presented by the admin of HitNRunMasters NB (you can read my interview with him here to understand what I’m talking about) I simply don’t see any hard evidence or be satisfied with his reasons not to share the information on how exactly he can profit from other HYIPs and the figures involved there. Well, all that might change here soon as according to NB once HitNRunMasters reach 5,000 members (currently the program has over 2,000 members which is not bad after over two months online) he will be able to privately provide some insider information on which HYIPs to deposit and which to withdraw. Since some so-called “insider” info was revealed by the admin before and it didn’t really work I would be very intrigued to see if his tips will actually earn you money on a consistent basis. I personally think it’s not possible considering the very volatile nature of the industry and the complete unpredictability of the admins (a weird bunch of people at the best of times, lol!) but who knows? We will wait and see but I would be really thankful if such advice is genuinely provided to active members of HitNRunMasters and helps them to earn a little extra money for themselves online. HitNRunMasters are paying 1.5%-2.8% daily for 365 days via LibertyReserve and PerfectMoney with the possibility to withdraw part of the principal after two weeks. The plan and the incentives for remaining a member of the program were fully described in my review of the program published here. The main topic for the latest newsletter was the change of design which made the program more user-friendly now and more attractive to potential investors compared to the previous version. I already mentioned it on my blog last night so now please read the latest newsletter outlining the changes and future plans from the admin himself:
“New Website is UP!
We are proud to now be displaying our new website and invite those of you who havent seen it or have not visited our domain lately to drop by and have a look. For those of you using our banners, the old ones have been replaced. You will find the new banners within your member area.
We now have over 2000 members and are growing stronger each and every week. Now that we are approaching 3 months online we have quite a few members in profit and many making hundreds of dollars each week. A good number of members have partially compounded their original investment and have now surpassed 3% return daily (based on original invested amount). It is good to see our membership safely profiting from our strategies and we congratulate those of you making good money on your foresight and decision to join HnRM.
One of our first major goals is to reach 5000 active members. Based on current levels of activity, at that level of participation we will be in a great position to introduce additional options for our membership. Our future plans are simple really. Once we reach 5000 active members we will begin to privately provide insight to our more active members as to some of the programs we are targeting. By doing this we can actively assist those of you participating with us as to when to pull out of the programs we are manipulating.
Our primary goals are basically two-fold. Firstly, we are here to provide a stable HYIP for the community at large to safely profit. Secondly, we intend on Taking-Out-The-Trash-Admins by manipulating their programs and destroying their ability to profit. You can read more about this in our ABOUT US page.
HYIP is an arena that should provide you an opportunity to profit. It should provide you, at the very least, as much chance to succeed as it does to fail. Right now the odds are stacked against you. Together we can take back the HYIP world and together we can all profit.
Admin NB”.

I doubt very much that the recent stats given by the admin of After60Days (he was interviewed on MNO here) are true. He specified that his program has over 20,000 members which is simply impossible considering the real size of the HYIP industry and how many people are involved there. I also think that the admin’s watch is a bit fast as records say After60Days launched exactly 34 days ago, well short of the 50 days that he claims. Well, we can dispute many alleged facts given in the latest update but one thing remains for sure – the program is still paying on all the offered plans via LibertyReserve and PerfectMoney for over a month already and considering they are high-paying plans it’s an amazing achievement in itself. You can see my detailed review of After60Days posted here or just see the plans in brief – 104%-120% after 1 day, 122%-200% after 5 days, 200%-700% after 15 days, 10,000% after 60 days – to see what I mean. I can also confirm that After60Days remains popular among MNO readers but would also like to remind you that contrary of the admin’s promises it will not stay with us forever so you should exercise caution and accept the risks that go with programs like this. Here is the latest newsletter sent today:
“After60Days is almost 50 days old now!
Hello Dears! After60Days is almost 50 days old now, and we are still here, and we will always be here.
After60Days is all set to rock-n-roll the industry. We are still here delivering our promises, and growing at an excellent rate.
We have more than 20000 members now, out of which over 13000 members are active, with 50% of them with high deposits, making high incomes.
Deposits to After60Days are soaring high, and so is growth and level of excitement. We would like to congratulate each and every member who is making money with us, and moreover, we would like to thank every single one of you, for your continuous support and promotion After60Days.
Remember – After60Days is the most popular program among all!
We are located on the first place among the best programs on AllHyipMonitors!
You can check it here: http://www.allhyipmonitors.com
Best Regards, Arnold administrator.”

Here is the list of the programs which paid me for the last 24 hours and remain on Paying status on my monitoring page:
AdvantagesCapital, AudivaTraders, BrantonsGroup, EurexTrade, ReProFinance, SafeDepositary, RoliteIncome, BIA, HitNRunMasters, GlobalFxTrades, iForexGain, AuruMoney, FreedomFxStrategy, GlobalBankInv, EsplinoGroup, PowerfulStrategy, WinnerEarn, ViscoCorp, FelminaAlliance, After60Days, RichesBank, OneInv, NeoProgress, RegularBee, OnlineInvestmentBank, BruyetteInvestment, AGSTrade, StockBiz, PokerProfits, TrustIncome, BaseBucks, FirstCoasts, TopsFund, MirexGroup, LargeProfit, SuperHotPay and CosmosInvest (the first payment received).

Now let’s have a brief look at the two new programs which were added to my monitor today. More detailed reviews will of course be available soon.

The first is a short-term game called CosmosInvest offering two investment plans from a minimum of $10 and payments processed to LibertyReserve and PerfectMoney processors – 103%-105% after 1 day and 120%-130% after 5 days. Despite the program being listed on a couple of monitors for four weeks already the discussion threads on the main investment forums are dated only a week ago which I believe can be considered the real age of the program. Despite the promised instant payments to both payment processors my first attempt to withdraw was not processed instantly. Quite fast mind, but definitely not instant. It looks to me like CosmosInvest really just started promotion as just today the admin upgraded their server on LunarPages hosting provider from a shared to a dedicated one. I’m glad to see that the site is properly SSL-encrypted and is running off a licensed GoldCoders script. More details on the program will be reported in my upcoming review of CosmosInvest on my blog soon, so stay tuned for that!

The second program – GeniusIncome – was added to MNO today after exactly three months online. The program is based on ProBizScript which looks secure enough to me and which I quite like. Members of AudivaTraders (reviewed here) might recognize it as they use the same one. According to the admin the payments from GeniusIncome are processed instantly to both LibertyReserve and PerfectMoney but I will be able to vouch for that only by tomorrow when I hope to receive the first payment from their only plan – 1.2%-2.2% for 180 days with principal returned on expiry. It’s quite a moderate return which added to the limited number of payment options doesn’t make me think that the program will become popular overnight. However, with a good professional layout, SSL-secured website based on an uncommon script hosted on a dedicated server by Koddos and the required level of professionalism on the admin’s part I believe that GeniusIncome has a good chance to become hot over time, especially considering the instant payouts which many investors enjoy. By the way, maybe it’s good timing to join GeniusIncome this week as a 5% bonus deposit bonus is being offered currently to celebrate their three months in business which will be available for a few more days according to the latest update posted on the program’s website:
“We celebrate our 4th month online!
We start our 4th month online and would thank you for your trust and support since the start. We are proud to announce we offer 5% bonus deposit on all deposits made during this week (from 26th to 2sd October 2011) in order to celebrate this special period. Bonus will be added manually by the administration within 6 hours after your deposit. Feel free to contact our team for further question.”
I will provide you with more information about GeniusIncome on MNO blog in a few days when I’ll deliver you a more detailed review of the program. Stay tuned for that!

That’s everything I have to report today, guys. I hope to see you on my blog tomorrow and wish you the best of luck in your investment activities, hopefully with the help of MNO!