Beware! CosmosInvest has stopped paying! Do not invest there!

Hi everybody! To start the new working week (and I hope you’re all feeling good after the weekend by the way!) I want to look at a fairly simple short term HYI game that opened recently and has now been monitored on MNO for almost the last week. It’s called CosmosInvest and with the admin himself claiming over a month online it might not be the newest opportunity around at the moment in relation to the plans so it’s hard to say where this one might go from here, but read on anyway and make up your own minds.

There’s just two investment plans to choose from in CosmosInvest – short term and ultra short term! – both of which pay on expiry. Interest rates are fixed but will be calculated according to the size of your deposit. The first plan runs for just 1 single day and can be joined for a minimum of $10. For anything up to $499 spend you are offered a return of 103% on expiry, so that’s 3% net profit for yourself the following day once the payment is processed. For larger deposits between $500 and $999 CosmosInvest offer 104% paid on expiry, and for anything bigger than that (no maximum limit) the offer if 105% paid on expiry.

Alternatively for a very slightly bigger return though for a substantially higher risk you can check out the remaining CosmosInvest plan which runs for a term of 5 calendar days. You can however still join for a $10 minimum spend and for anything up to $499 the return being offered is 120% paid on expiry. Your principal is counted as part of that so it’s a 20% net profit for yourself. For bigger investments between $500 and $999 CosmosInvest offer 125% on expiry, principal included, and for anything larger than that (with no stated maximum) the return being offered is 130%.

The payment options for CosmosInvest predictably are limited to LibertyReserve and PerfectMoney, so let the “no refunds” policy help you decide how much you spend on any one investment. Not that you should ever spend more than a sensible amount anyway. The website says that payments are instant, but in my own short experience with them that has not been the case. Granted they’ve been fast, but there’s still a huge difference between fast and instant. It’s since been pointed out by the admin that under some circumstances payments are instant, and under others they should be made within 24 hours. So my advice is to simply wait 24 hours.

CosmosInvest is running off a script under license from GoldCoders and the website is using SSL encryption. Just be sure to type in the “https” part yourself in the address bar because it doesn’t come up by default. Hosting is by a company called LunarPages who I haven’t come across in the HYIP industry before so really can’t comment on how prepared they are to handle the sheer level and ferocity of attacks that happen in this business compared to the “real” world. Time will tell I suppose but at least they have CosmosInvest on a dedicated server. Originally it was shared but the admin has since upgraded. Customer support is you have any account related issues or questions is only available by filling out the e-mail ticketing form that you’ll find on the contacts page.

There’s a rare but I must say refreshing insight into the sometimes murky world of online HYIPs on the CosmosInvest home page where the admin reveals “with your support, we will never scam”, the important words here being “your support”. As long as online HYIPs make money for their owners first and foremost they remain online. Anything else is just a trickle down from that so if you find yourself included in that group who profit then it’s a bonus. HYIPs run until the owner looses money and this is a rather cryptic confirmation of that. Otherwise the texts say next to nothing in relation to any kind of realistic business plan that backs up the payments. Nothing that can be proven anyway so as usual be extra cautious with anything you come across online, stick to an affordable spending limit, and try to diversify your portfolio.

DAILY NEWS FROM THE INDUSTRY

The admin of PowerfulStrategy Jstin keeps making improvements to the website and especially with the original script off which his program is running. The most recent addition was mentioned in the latest short update posted on the website today:
“The next system update! We have updated the page of Deposits. Now you will see your deposits split in two categories: “Active and unpaid deposits” and “Expired deposits”. This would facilitate the loading speed of the “Deposits” section for our investors, having multiple deposits.”
Little by little, the website of PowerfulStrategy keeps getting better every day attracting more and more customers with daily payments in each plan – 1.8% for 10 business days, 2% for 25 business days, 2.3% for 60 business days, 2.8% for 120 business days and principal returned on expiry. Payouts are processed instantly to the four most popular payment processors – LibertyReserve, PerfectMoney, AlertPay and SolidTrustPay. PowerfulStrategy is getting increasingly popular at the moment having been praised by hundreds of investors for its stable performance over the months and having reached the #4 position on MNO rating of the most popular programs. More about PowerfulStrategy can be read in my detailed review posted here.

For some strange reason SafeDepositary refused to pay interest on the first three days of this business week explaining it was due to of absence of their traders who are supposed to be speakers on some International Traders Conference without mentioning any further details. After googling the topic I found out that the next so-called International Traders Conference will be held in Barcelona in June 2012 (!), so I don’t quite understand what type of audience the “traders” of SafeDepositary are going to entertain. Of course SafeDepositary has nothing to do with real trading anyway and even though it’s been paying for over a year already the current break of three days might be only explained by some cashflow issues (or say budget deficit) for which they have to gather more funds in order to pay existing members of the program – i.e. refusing to pay interest for three days at the same time accepting new deposits which should allow them to accumulate new funds in order to resume crediting interest to the older investors starting from Thursday. Of course, there is nothing wrong about it and I would myself prefer this scenario to the less pleasant alternative of halting withdrawal requests or even delays with payouts. That’s why such emergency plans may actually work out and bring the program some stability in the long run:
“Non-trading days
Dear clients! SafeDepositary informs about non-trading days on Monday, Tuesday, Wednesday because of International Traders Conference where our CEO and some of our traders were invited as speakers. This conference brings together Hedge Funds, proprietary traders to achieve smarter, more efficient trading solutions in a crowded space. SafeDepositary plans to establish High Frequency Trading after this conference.”
I would like to remind you that SafeDepositary (read the review here) has been listed on MNO for 200 days now, currently paying to AlertPay, LibertyReserve, PerfectMoney and SolidTrustPay 1.6%-2.3% for 150 business days with principal returned on expiry. The program still remains one of the hottest long-term programs online and is in the top 3 most popular programs on the MNO Premium list. Let’s hope SafeDepositary will stay with us for many more months to come!

There was some issues reported today by the admin of RegularBee (the program was reviewed on MNO here). The thing is the payments via AlertPay might be delayed as according to the admin AlertPay set some kind of restrictions on how much can be paid to investors. Although he promised to solve this issue asap I do not believe that it is so easy to fix things with AlertPay administration if they really suspect something. Therefore, I would not recommend any further deposits in RegularBee via AlertPay (although I can see that you can still make deposits via them) and think twice before investing via LibertyReserve or PerfectMoney as well, because such issues might well signal their pending collapse. I would not like to speculate now but the fate of RegularBee is now in the hands of AlertPay and I would encourage the admin to issue an official newsletter regarding the issue as soon as possible to stop the rumors and calm down the investors who will be hesitant to invest in any of the plans offered by RegularBee – 1.2% for 25 days, 1.5% for 60 days and 1.9% for 90 days with principal back on expiry. Here is what I got from RegularBee today in response to my query about AlertPay payouts:
“Hello! Yes. We have some problems with Alert Pay. Now the withdrawals are made in a few quantities, as Alert doesn’t allow to make something with money. All problems will be decided in a shortest time.”
I will keep you updated on MNO if I get more information regarding the issue.

A very strange solution was found by the admin of KistFunds (reviewed here) to extend the investment term for his program. Without saying a word to current investors I learned today that apparently the term was changed from 1.3%-2.2% for 120 calendar days to 120 business days only (Mon-Fri). I know for sure not just because I mentioned it in my review of KistFunds but also because I personally was paid interest the weekend before while this weekend the interest for Saturday and Sunday was strangely not credited to my account which promoted me to look at the terms once again just to see they have been changed. This will definitely make your earnings with KistFunds last for longer and you might have to adjust your strategy when joining. Personally, I do not like such sudden changes which were made without a proper warning or update published because it may mislead investors. Anyway, please note that KistFunds is paying on business days only now, although no explanation as to why was offered so far.

Another weird decision was taken by the admin of BruyetteInvestment Peter today who announced that his investment plans had changed once again (already for the second time during the program’s existence!). So now instead of the previously offered 4%-6% for 40 days you can expect not less than 7%-9% for 20 days which moves the program to the category of medium-term programs and therefore increases the risk level for investors. The minimum to invest in BruyetteInvestment remains the same $10 and all the five payment processors are still accepted (AlertPay, SolidTrustPay, GlobalDigitalPay, LibertyReserve and PerfectMoney). The daily interest of 7% is offered on investments over $10, 8% for investments over $1,000 and 9% on $5,000 or more. Please note that your principal is already included in the daily payouts and is not returned on expiry. I must add that BruyetteInvestment (reviewed here) has been paying fine for about three months already making profits for many investors already, however, the current inconsistencies make me wonder if the admin has a clear plan in mind on how to run the program in the future or we should expect more changes. More news from BruyetteInvestment in the latest newsletter posted below included the addition of SSL-encryption which is supposed to make the transactions more safe and secure:
“BruyetteInvestment Inc – update.
Hello. For several months we have received suggestions and feedback from our users. The majority of investors like short plans – on this we decided to reduce the time of the deposit and reduce profits in the new Plan (UP to 9% daily for 20 days).
For more information login to your account:
https://bruyette.com/index.php?a=login
And more news : included a permanent SSL connection to our Web site (https://bruyette.com) for the safety of investors!
Thank you for choosing our company to investment!
Best regards, PETER SCHNAKENBERG
BruyetteInvestment Inc.”

I would like to share my concerns about RoliteIncome program (reviewed here). At this moment I would say that the status of the program is under suspicion as the payouts have not been processed for over 36 hours. Although in the terms it is specified that the payouts might take as long as 48 hours I believe that might be not such a good sign for a program usually paying within a few hours of request. Anyway, I have already asked the admin of RoliteIncome about the possible reasons for the delay and will keep you updated on my blog tomorrow when I’ll change the status of RoliteIncome to Problem if it becomes necessary.

The following programs paid me today:
ReProFinance, SafeDepositary, UnitrustDirect, BruyetteInvestment, PowerfulStrategy, SoaretInvestment, FirstCoasts, OnlineInvestmentBank, TrustIncome, PerfectLottery, CosmosInvest, GlobalBankInv, SapaInv, WinnerEarn, AuruMoney, BIA, HitNRunMasters, BaseBucks, GeniusIncome, HyperCompound, iForexGain, NeoProgress, EsplinoGroup, StableProfit, RichesBank, PokerProfits, MirexGroup, KistFunds, BetForInvest, ViscoCorp, TopsFund, SuperHotPay, OneInv, LargeProfit and StockBiz.

That’s all the updates for today. I hope to see you all on MNO tomorrow when I’m again planning to post twice. First, there’s an interview with the admin of BaseBucks, and for the second post I’ll be looking at GeniusIncome and all the daily news from the HYIP industry. Thanks for reading and please tune in tomorrow for more news!