Hi guys! I know it’s almost a cliché but we are now in the so-called Black December which is infamous in the HYIP industry for fast and low-quality scams popping up with one aim in mind – to make as much money as possible in return for as few payments as possible and provide admins with easy money to enjoy the holidays. Of course many inexperienced investors also have the same aim in mind and naively believe that the admins will be able to satisfy their demand for fast cash for their own Christmas shopping. The only question is who has the edge, but the answer is always obvious – the winner is the one who has control over your cash.

That said we can conclude that HYIP investors must be extremely careful at this time of the year and not to invest huge amounts in one single program, even if they think it’s a surefire way to get some fast cash before Christmas. Remember that the same motivation is also behind the majority of admins. I’m not saying to stop investing in HYIPs for December and only resume in January. Quite the opposite – you can still make money in HYIPs during this month if you put your bets on the right horses. I would suggest to keep an eye on MNO as it’s probably the only online source reporting HYIPs that didn’t drop advertising prices before Christmas. Unlike previous years, I took exactly the opposite approach as I have absolutely no desire to deal with fast scammers and low-quality cheap sites using this opportunity to rob investors. In my opinion, keeping prices high in this period should deter the obvious scams and the admins who are here for fast cash only, as I’m not sure if their results from advertising on MNO will be enough even to cover their original advertising expenses. And honestly, I’m tired of them anyway. I prefer to have less programs on my list during Christmas than to occupy my time monitoring their scams. In fact, I will be even glad to post less often during the month of December as I prefer to spend the holidays with family and friends just like anyone else. And since the period is going to be quiet anyway, MNO will be back to normal after the New Year celebrations when I expect a lot of quality programs offering quite lucrative returns for both short-term and long-term investors.

By the way, I would like also to discuss how you will be able to distinguish between programs opened with the intention of a fast scam and quality programs where the admins will try everything possible to at least try and stay running as far into the new year as possible. One piece of advice – just look at their plans and see the admin’s intention. If the site is too flashy, the investment plans pay incredibly high returns on your investments, the site has too many monitors and banners spread on all the monitors and forums it’s more likely to be a fast. However, if the admin offers reasonable returns and advertises in a more selective way, stays low on promotion and provide a clear plan and vision on how his program will look in 2012 – then it might be more profitable in the long run. Nothing can be guaranteed and sometimes this pattern will not work as other factors still apply. However I believe the majority of cheap scams will still be quite easy to recognize and avoid, and I hope I will not have such programs presented on MNO this month.

Regarding the current leaders of the industry many investors keep wondering whether they are able to survive into next year. One such program is undoubtedly ReProFinance (reviewed here) which astounded many experienced investors with a lifetime of nearly 550 days and instant payments processed via LibertyReserve, PerfectMoney and AlertPay on two main investment plans – 1.6%-2.3% for 90 business days and 1.8%-2.5% for 180 business days with principal returned on expiry – and 1% daily bonds which you can buy and sell at anytime. It feels almost surreal when you think of how much money you could have made by joining ReProFinance from the beginning and many investors think that it’s still not too late to take part. Of course the administration of ReProFinance (read my interview with them here) is doing everything possible to attract investors from different countries both online and offline now and has been especially active during the last few months when an extensive advertising campaign was carried out. Some may see it as a good sign while others are less positive. Personally, I’m quite optimistic regarding ReProFinance at the moment and think that the promotional efforts are intended to give investors some sense of security via different national representatives in various countries and translating the site into different languages. I believe though that the main point the admin is eagerly promoting is a conference being held in the Caribbean next month. That’s fine by me but the only concern I have is how the program is going to be represented. We all know that ReProFinance is just another HYIP which is a high risk business. I don’t remember any admin ever appearing in public, and I very much doubt this will be the case here either. In fact I’m wondering what excuse he’s going to have for not being there in person as will inevitably happen. So I’m planning to make a small investigation regarding the information provided by ReProFinance in the latest update and contact the hotel owners in Dominican Republic and also their supposed regatta sponsor ING Bank and ask them if they’ve ever even heard of any of this. The results of the investigations will be posted on MNO soon and then we’ll see if it’s really true or just a trick. Personally I hope it’s true but we should always check every word from HYIP admins. Here is the last newsletter from ReProFinance posted on their website today:
“Where will you be at the end of January? At the conference of ReProFinance?
Recently we have publicly announced about preparations for the coming conference held by ReProFinance in the Caribbean in the Dominican Republic. Taking into account the boom around this news we decided to provide more details for the participants of this event.
So, the conference name is “Investment paradise – ReProFinance regatta 2012″. This event will take place in the Dominican Republic on Punta Cana resort.
Conference will be held from 26/01/2012 to 28/01/2012
The biggest investors of ReProFinance, partners, regional representatives and financial consultants of the company are invited to this conference. The administration of ReProFinance will also take part in this event.
The regional representatives will receive conference invitations by e-mail.
All the investors who want to attend the conference should fill in an application on the company”s website.
The application should include your real name, last name, country of residence, your arrival/departure date from the Dominican Republic. Also you should notify us of your desire to participate in a business yacht regatta under sail of ReProFinance. Your personal information is required to book a room in hotel and pay for it.
All the conference participants will be accommodated in hotel Zoetry Agua Punta Cana. We will provide you a suitable room in accordance with the number of companions accompanying you. The company will pay for accommodation only from 26/01/2012 to 28/01/2012. Meals and local beverages are included.
The number of participants is limited. When choosing the participants of the conference we will be guided by the data provided in your application. The financial turnover of the investor in ReProFinance also will be considered.
All those people who get the invitations to the conference will also receive an invitation form by a regular mail, along with the voucher which should be provided to the receptionists at settling into the hotel.
The investors will be enabled to meet the c-suite of ReProFinance in a round-table meeting, attend training for effective online investing and watch the way the traders of ReProFinance do their work at the exposition booth. On January 26 it is planned to hold the seminars and round-table discussions. On January 27 the participants will be offered to learn the practical part of the investment business and attend various trainings. Also on January 27 the business regatta will take place.
All participants of the business regatta will be divided into teams. Each team will be captained by a professional yachtsman who can help the team to win even if other participants have no experience in yachtsmanship. The start of regatta is planned for 10 am. All the participants of regatta will carry insurance of our partner ING.
Also in honor of the conference and business regatta on November 17, 2011 the company will launch a new investment plan Regatta. We are waiting for the applications from participants and partners.”

I find it really hard to believe the latest two updates from TopsFund (reviewed here) published on their website over the last two days. The first update reports $1,000,000 capital reached by TopsFund during its first five months online. I found this statement as far from the truth as the Moon because for a program accepting exclusively LibertyReserve such amounts are simply unheard of. Don’t take it as anything other than a simple and usual exaggeration mentioned by an HYIP admin just to attract more members:
“1 Million USD Capital
With almost 6 months online, we would like to announce that our capital now exceeded more than 1 Million USD and growing fast. It’s almost double up every month.
Our current total members have more than 5000 and growing fast as well. Thanks to the Top Investor and Top Referral of the month promotion and the Special Referral Bonus.”
The second update posted on TopsFund‘s site is also highly questionable and gives the names of Top Investor and Top Referral of December which allegedly both were credited with $10K prize in their accounts in the program. I’m sure it’s lies again because such huge prizes might not actually paid without threatening the same program’s existence and smart admins would never do such a stupid thing. But nothing to worry about – most probably, it’s just a trick with crediting accounts in non-existent members which I saw done by many admins well too many times to believe in such nonsense. Here is the information about that just for your amusement:
“Top Investor & Top Referral December 2011
Top Investor of the month November-December 2011 is Jason Baker.
Top Referral of the month November-December 2011 is Steven Kim.
Congratulations! Enjoy the $10000 bonus which credited into your account balance!”
Having said all that, I’m not trying to tell that TopsFund is a bad program (otherwise, it would not become very popular and would not have reached #1 spot on MNO monitor). I’m just telling that investors are not supposed to believe to everyone an HYIP admin is trying to feed you with. As far as I know, TopsFund is still paying fine to its investors on all the daily investment plans – 11% for 10 days, 0.5%-1.5% daily forever (principal back after 18 months), 0.6%-0.7% for 300 days (principal returned on request). While I would like to remind you once again that I still do not recommend to invest in two other plans paying on expiry and also offered by TopsFund – 1800% after 360 days and 1080% after 180 days.

Unfortunately, yesterday two programs stopped paying and have been moved to Problem status. I’m talking about IncomeWith and VirtualPayments. Let’s try to analyze below what might happen to them which led to soon collapse.

VirtualPayments only lasted for one full month so only the first investors in the original 3.7%-5.7% for 90 days plan were in profit (provided they didn’t reinvest). Actually, the program proved to be no more than a fast Christmas scam when the admin changed the investment plans twice obviously in order to save his program from premature closure but still failed as many investors rightly saw it as a bad sign and stayed away. If you remember I was also quite skeptical about such frequent changes and didn’t expect VirtualPayments to stay much longer, especially after the second change. Unfortunately many investors were satisfied with the fast payouts and reinvested big amounts, eventually losing everything. The final move by the admin two days ago was to add SolidTrustPay as a third payment processor, but as we can see now it didn’t save the program from collapse. For now, VirtualPayments is marked as Problem on MNO as the pending withdrawal requests are not paid for more than 24 hours now. I do not think that the status is going to return to Paying as I haven’t got an answer from the admin when I asked him about it.

As for IncomeWith, I think the situation was a bit more complicated. The interview with the admin Matt was published on MNO two days ago and just yesterday the first delayed payments were reported. IncomeWith was moved to Problem status on MNO (as usual, mine was the first monitor to do so with a bunch still showing Paying status for the program now). Well, even if you check the IncomeWith ratings page now you will be totally misled as the admin has already changed the actual monitoring images to static altered images with Paying statuses. This is a very clear sign of collapse and the selective payments to the monitors for the last 24 hours is also nothing more than an attempt to get corrupt monitors to display Paying status for as long as possible despite the complaints. Fairly speaking I don’t think the admin of IncomeWith planned it to end this way. I genuinely believe that the premature collapse after two weeks online (which was still enough for many investors to profit from the program) was connected with the loading issues experienced over the last few days. Also, straight after the interview was published the site went offline for approximately 12 hours which was followed by many complaints on forums which were totally ungrounded as payments at that time were still within the promised 24 hour timeframe. IncomeWith managed to solve the downtime issue eventually but it was way too late as the investors trust evaporated after too many bad forum posts when the program was still paying within terms. So in this case I believe that the people who first screamed “scam” without knowing what was really going on were the first to blame in this premature collapse. Sometimes I wonder if HYIP investors (especially when it comes to short-term games like IncomeWith) actually realize how dangerous it is to spread panic. Such programs can be damaged very easily and new investors seeing such bad posts are not going to invest which will ruin the ponzi-scheme. Investors screaming and shouting on forums will be the only ones to suffer from their own actions. They will not be able to get their profits but at the same time (knowingly or unknowingly) will draw the end of the program nearer. I think this is what happened with IncomeWith. Then again this is just a personal opinion and purely speculation as I don’t know exactly what really happened there. Only the admin knows that for sure and that’s a secret we will not be finding out anytime soon.

Here is the list of the programs that paid me for the last 48 hours and are still listed as Paying on my monitoring page:
SolidForexLtd, StableProfit, APEnergyInvest, InterTrend, SingInvest, BonusPayMe, FreedomReserve, EVBusiness, HyperCompound, OneInv, TopsFund, EurexTrade, BrantonsGroup, Royalty7, ForexReflex, BaseBucks, FelminaAlliance, HYIPInnovation and WorldwideCapital.

That’s all I have for you today, guys. Hopefully tomorrow will be better than today, and I hope to see you on MNO again. Thanks for reading and see you later!