Beware! ReProFinance has stopped paying! Do not invest!

Hello everybody! With the first seven days of December now past us and Christmas rapidly approaching, it’s at this time in particular every year that two special dates in history come to mind. Two days the human race could well have done without I think, starting with the obvious tragedy marked today of the attack on Pearl Harbor (and the years of sheer madness that followed it) and then tomorrow on a more personal level for a lot of people is the anniversary of the death of John Lennon. No harm then in hoping that the week would improve, though the bar down the street from me gives the weekend over to war movies by day and Lennon’s music by night. But anyway, before I lose my train of thought completely I want to discuss one of the happier events in recent times, at least as far as the HYIP industry is concerned – the emergence of ReProFinance, unquestionably the single best online investment program of 2011 so far. And unlikely to be surpassed in the remaining three weeks of the year either.

I mentioned in yesterday’s blog post that I intended to update the review of the program on MNO, but as the motives for this could easily be misunderstood I feel I should briefly explain why before I begin. Basically the main reason is you, the MNO readership. ReProFinance has been online for the last 18 months now, which is a simply mind boggling achievement though probably impossible were it not for the fact that the team running the program seem to be working almost continuously in researching, developing, and improving it to keep it competitive and keep the edge they’ve always had over the competition. So what’s that got to do with you, you might ask? Well, over the last number of months now barely a week goes by without me receiving at least a handful of e-mail enquiries from readers wondering why my review of ReProFinance seems to look so different from the program when they actually go to visit the website. And of course the answer is that my original review is now obsolete, the program has changed that much. So (and this isn’t the first time I’ve done this) I thought it would make things a lot easier for all of us if I just updated the review and redirected all links to this new version. Just about the only thing that hasn’t changed however is that ReProFinance has been one of the most outstanding programs to hit the net in recent years. Their record is their for all to see and simply cannot be argued with. In fact I would say many industry observers would list ReProFinance comfortably in their top ten HYIPs of the last 3 to 4 years. Maybe some would go so far as to put them in the top five, certainly if you’d joined them 18 months ago I think you would too.

Out of the numerous changes and transformations undergone by ReProFinance since they first emerged in mid 2010, the one single matter of most importance to investors is always going to be the plans. They’ve been revamped completely during the course of this year and while still falling into the category of low ROI long term investments, they’re now much more aggressive than what they used to be at the start. What you have now is four “regular plans” that give you the option of joining for your choice of either 90 or 180 business days, a newly launched “special” plan that’s really only going to be of interest to the bigger spenders, and a highly unique “bond scheme” that I for think seems to be very underrated which allows investors the opportunity to buy and sell ReProFinance bonds (rather like you would on the open market) and earn interest on them for as long as you keep possession of them in your account, the term of which being left up to yourself to decide. I should also point out that investors have the choice of spending either dollars or euros in the program. For the sake of brevity, plus the fact that I know it’s what most of you prefer anyway, I’m going to describe the plans using dollars. But the alternative of euros is there for anyone who wants to take it.

But let’s start with the easy stuff. You can join ReProFinance for a minimum deposit of $10, and for your first set of options may spend anything up to a maximum of $999. You should then decide you long you would like to invest this money for. Your choice as I already said is either 90 business days (18 weeks) or 180 business days (36 weeks). Regardless of which one you pick RepProFinance will still pay you a daily interest rate from Monday to Friday, and then return your principal in full on expiry. The difference is that by opting for the 90 day plan you can collect a daily payment of 1.6%, whereas the longer term option pays out a more profitable 1.8%. And over the course of the extra 90 days the extra potential earnings from that one are of course substantial with the shorter term yielding 144% and the longer term allowing you to earn back a staggering 324%. Both of those figures represent pure profit by the way as your initial deposit will then be returned on top of that again.

So let’s look at a practical example. We’ll say you want to invest a sum of $100. By doing so for 90 business days RepRoFinance offer you $1.60 everyday from Monday to Friday. You will break even after 63 days (the point after which it’s impossible to lose money no matter what happens) and at the end of that period your payments will have added up to $144 in total. That can then be counted as pure profit as your initial hundred is then added to it separately.

Should you choose to invest the same amount for the longer 180 business day period then ReProFinance will reward you with a 1.8% payment every day, enabling you to break even after 56 days. Crucially that’s a full week faster than the 90 day option, so before we’ve ever even counted a penny has a lot more going for it. Granted it doesn’t return your principal as fast (the only advantage of the shorter term option) but it does put you into profit earlier. You decide which is more important for you I guess, but anyway payments will eventually add up to a total of $324 by the end of the term when ReProFinance will add your own original hundred to the pot as well.

And that’s more or less how the three remaining traditional style HYIP plans work too, except that the prices are a bit more prohibitive and more the reserve of the serious HYIP players. A deposit in the second plan for example will set you back a minimum of $1,000. It too gives you the choice between a 90 and a 180 business day term before returning your deposit on expiry. While you’re waiting for that however ReProFinance will be busy paying you either 1.7% interest or 1.9% interest per business day respectively depending on what term you’ve chosen. The shorter of the two options will earn you a final profit 153% while the longer term yields 342%. Keep in mind that ReProFinance will then add another 100% to that in the form of your own initial investment sum which is then returned, and that the maximum deposit to avail of these rates is $4,999.

Ordinarily I wouldn’t routinely advise anyone to spend more that that in the HYIP industry, but for those of you easily able to afford such amounts and did so with ReProFinance at the beginning I’m sure sure you’re glad you took the chance when you did. It doesn’t always pay off in this business but in this case it did with flying colors. So provided this kind of money isn’t a major deal for you the third investment plan requires a minimum spend of $5,000 and will take anything up to $19,999. This time the rates applicable include 2% per business day if joining for 90 business days which will yield a total profit of 180%, or 2.2% per business day if joining for 180 business days giving you a profit of 396%. Whatever option you go for you can expect your initial principal to be added to both figures on expiry.

And finally for this section for an investment of $20,000 and upwards with no stated maximum ReProFinance offer a daily rate of 2.3% for 90 business days, or 2.5% for 180 business days, both of which should return your deposit separately on expiry.

Recently launched was a somewhat more ambitious option again called The Regatta Plan. Owing to the prohibitive cost of joining this one is closed off to all but the bigger industry spenders, though if that includes you then for the record you can join for a minimum investment of $10,000. It offers a daily interest payment that’s marginally less than the previous investment plan, but the thing is it also runs for a shorter term before returning your principal. The rate is 2.2% per day and the term is 60 business days (12 weeks) giving payments totaling 132%, which is then considered total profit once ReProFinance send back your principal.

I think the plans are quite comprehensive, offer something for every budget, and are to an extent quite unique in their use of a sort of two-tier investment term system. But that isn’t all. In perhaps one of the most interesting concepts available from any long term HYIP around at the moment ReProFinance are also offering a Bond Scheme where investors are invited to buy and sell bonds in the program at will. The subject is dealt with quite comprehensively from inside your membership area of the program, however I’ll give you a basic explanation of it here to get you started. First of all you can join for any amount of money you like subject to a $1 minimum. You’re more or less buying a fixed interest bond, however there is no maturity date so you sell the bond back to ReProFinance whenever you like and collect your money back from them. For as long as you decide to retain ownership of the bond however you can accumulate 1% interest per day in your account that gets withdrawn when you’re ready to leave. Please note that in this scheme profits are earned on calendar days (so Saturdays and Sundays included) as opposed to just business days for the more traditional investments. For example, let’s say you want to buy a $100 bond. You can then earn $1 per day on this for as long as you wish to keep it. At such a time you want your investment back you simply sell the bond back to ReProFinance at the original price (i.e your principal) who also pay you the interest dividend that’s been building up in your account over the term you chose, eg $10 for 10 days, $50 for 50 days, or whatever. Granted it may not be as profitable as let’s say the regular HYIP style investment plans offered by the program but there is a much much greater deal of flexibility involved. Plus the fact that your primary motive for getting into the bond scheme need not be simply profit for the sake of profit either. For example, considering how expensive some of ReProFinance‘s plans are for some smaller investors, a bond might be a handy way of building up an account balance in order to re-invest in something that may otherwise be outside your price range and avail of a much more generous payment previously not affordable for you. Just a thought of course, you’re free to use the bond for whatever purpose you like.

Moving on to payment methods, ReProFinance currently use AlertPay, LibertyReserve, and PerfectMoney for online transactions. Bank wire transfers are provided for anyone preferring to avoid internet payment processors completely so you can contact the program for details there is it applies to you. Otherwise expect interest payments from the program to be made instantly. You still need to log in and make the request, but after doing so you should see you’re withdrawal processed to your favored e-currency account in under a minute. One of the many outstanding improvements made by the program since first being reviewed on MNO has been the acceptance of direct plastic debit/credit card deposits into your account. As most HYIPs that pretend to accept credit cards merely tell you to deposit into AlertPay first before investing in the usual way, I think this is a first in the industry. You can bypass all the processors by depositing directly into your account when joining, however the actual withdrawals will only be sent to your AlertPay account as the admin does not currently have the facility to pay you back directly to your card. Only to accept payments. By the way, something I neglected to mention earlier in relation to the investment plans was ReProFinance‘s use of compounding. Now, while I personally have never been much of a fan of the practice no matter how good the program actually offering it is, the option is open to you here is looking to make your investment a bit more “high risk”. Set the rate yourself when joining, though do be careful not to set it to something you didn’t want.

The design of the program is another thing to be overhauled completely since its initial launch. The website is bare recognizable from that with such modest beginnings all that time ago, though one thing that hasn’t changed is the hosting. That’s still provided by Dragonara who have helped make ReProFinance one of the strongest most consistent performers in the industry due to their dependability. The list of languages the website is now available in has expanded greatly however, reflecting their appeal and growing popularity among an international audience. Apart from the standard English version you can now read ReProFinance in French, Spanish, Italian, Indonesian, Russian, and German. These are professional translations by the way, indicating a high degree of proficiency and a business-like attitude from the owners in dealing with their clients. All those languages should come in useful as most of them should be available when dealing with the programs support network. Maybe not the admin himself but the list of regional representatives which currently numbers almost 350 contacts around the globe who can be contacted by a variety of means from telephone to e-mail the instant messenger. It’s unlikely you won’t be able to find at least one person from your locale able to answer your questions, though top of the pile is the administration team themselves. You can reach them by filling out the support form found on the contacts page, or directly over the phone (it’s a Swedish number) if you prefer to speak directly to an agent.

To finish up, I wouldn’t say that I’m any less skeptical about the online HYIP industry now than I was before, though I have to say that my dealings with ReProFinance during the last 18 months have been a revelation and something seen all to rarely in the industry. I’m tempted to point out that I’ve had more sever problems dealing with three different banks this year (and encountered a worse level of customer services) than I had with ReProFinance, though I’m not suggesting you use them as an alternative of course! I’m only saying that there are real solid opportunities to make some real money in this industry – the trouble is you need to cut through a mountain of garbage to find them sometimes – and programs like this one are the real gems. I’m not going to go on so much this time about the supposed business activities behind ReProFinance for the simple reason that it’s been covered in depth already. My feelings there haven’t changed one bit, and the point of this article being to highlight what’s new in the program as opposed to what was already mentioned in the old review. But the chance to earn is still very much alive, as long as you behave responsibly. That means staying rigorously within a strict spending limit that’s affordable, and using ReProFinance as part of a well balanced portfolio. Though by now I expect many of you are already old and satisfied customers there.

DAILY NEWS FROM THE INDUSTRY

Due to the HYIP industry still at a pre-Christmas standstill there wasn’t much news over the last 24 hours. From what we have I think we’ll start with a very positive update from the admin of HYIPInnovation Sean (interviewed here) who was kind enough to share some good wishes with investors and encouraged them to share in turn to make the world a better place to live. Well, I can only share such sentiments and wish the members of HYIPInnovation the best of luck on their investments which they can make via LibertyReserve and PerfectMoney to a 5% for 25-40 business day plan. The principal is already included in your daily earnings is quite reasonable and with due dedication from the admin it will not be a major issue for HYIPInnovation (reviewed here) to survive and flourish well into 2012:
“HYIPInnovation News Release 5
Dear HYIPInnovation members,
I hope this news release finds you all in a good mood but if something is bothering you, I am recommending you to try sharing, because “what goes around – comes around”. Just try giving someone a smile and you will for sure get one right back. After that, you most likely will get another smile the next time you see this person again and that is your one-for-two mood amplification technique, right there. Apply this everywhere with everything and you will eventually harvest the best of the world. Apply this also at one of the very Innovative HYIP places and you will get 5% daily in return (although I cannot promise you that, just for a smile).
Now, allow me please to share the state of the matters at HYIPInnovation by saying that everything is going very well so far for the program and that we are always ready to take on the challenges and take our members into the future of prosperity and joy. If you have already been a member for a while, my apologies for giving you this “old news”, but if you joined us only recently – welcome! You too may now pull up your popcorn bucket and enjoy the ride. I hope we will manage to not keep you bored in the course of your HYIPInnovation membership, because part of our program and one of our promises (remember that first paragraph on our website’s front page?) is not only in providing THE lasting income opportunity to our members, but also to share the good things we know about HYIPs and things around them.
Our next press release will provide some insights into the one of the most ingenious in our opinion inventions of this industry – HYIP Monitors (as well as other HYIP portals) and their role in any HYI Program development.
Till then, High Innovative Five to all of you and thank you for your attention.
Sean Mebokan on behalf of HYIPInnovation Team”.

There are small but convenient improvements announced for the members of the current #1 program on MNO TopsFund (originally reviewed here). Here is the latest update posted by them today:
“Keyboard added on the register page and login area for more security and calculator added.”
I remind you that current investment plans in TopsFund accepted via LibertyReserve exclusively include 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), 1800% after 360 days, 1080% after 180 days. Please note that the last two plans paying on expiry are not recommended as they are quite unfeasible. Apart of that, TopsFund has been really a top performer for MNO readers providing a steady income for over five months already and hopefully can make it into the new year as well.

The recently reviewed LifeTimeProfits shared the link to MNO’s review published two days ago (click here to read it). The admin, Lara, dedicated a special newsletter to that which you can read below:
“MNO & Other Reviews of LTP
We are glad to inform you that our program was reviewed by the famous Paul from Money-News-Online. A link to the review is available from Home Page, Links section.
Please take 2 minutes to read it, here it is:
http://money-news-online.com/blog/2011/12/05/05122011-lifetimeprofits-review-and-daily-news-from-the-industry/?drgn=1
One more review of LTP I found it interesting: it is done by Paul from Think Pink-Relaxmoney Monitor. Please check it also.
A link is similarly provided from Home Page.
Best Regards. Lara. LifeTimeProfits”.
For anyone too lazy to check out the review I’ll just remind you that LifeTimeProfits is a new program launched just a few days ago offering 3%-5% for 50 business days on deposits of $10 and over made via LibertyReserve and PerfectMoney.

Here is the list of the programs that paid me for the last 24 hours with no delays:
EurexTrade, BonusPayMe, ForexReflex, PerfectLottery, BaseBucks, APEnergyInvest, EVBusiness, HyperCompound, SolidForexLtd, LifeTimeProfits, StableProfit, HYIPInnovation and Royalty7.
Please note that InterTrend has been put on hold due to delayed payouts and further investments there are not recommended at this point.

The newest addition to Premium listing on MNO tonight is a brand-new program called FXMoguls. This HYIP accepts LibertyReserve and PerfectMoney starting with $0.01 (!) and promises to pay investors 2.4%-3.7% for 150 business days with principal returned on expiry. The custom script FXMoguls are running off provides investors with an opportunity to further increase their earnings by setting a compounding level of up to 100%. FXMoguls are hosted on a dedicated Staminus server by Koddos and the general outlook of the website is quite good. It’s obvious to me that FXMoguls will not be popular for the last weeks of the year but once that milestone has been passed come January we may well be hearing a lot of positive reviews about this program. Hopefully, that’s what the admin has in mind and is planning for his investors. Further details of the program will be discussed in my detailed review which will be published on MNO tomorrow. So stay tuned, and meanwhile check out the program’s website and read the greeting message posted there by the administration:
“It is with great pleasure that we announce today…..
It is with great pleasure that we announce today the launching of FXMoguls LTD. A debt of gratitude goes out to the entire FXMoguls team for their support and dedication over these last couple of months.
To many fruitful years ahead!”

Please don’t forget to check out my blog tomorrow for more news and events from the HYIP industry. Also included will be a brand-new short-term program introduced on MNO, so if you’re a fan of such games come back tomorrow. Stay tuned and see you soon!HYIPInnovation