Hi everyone! Sorry for no post if you were expecting one last night as I was pretty tired after a long day spent traveling to Croatia where I’m going to spend the next three weeks and see in the new year. I think the vacation is well deserved as MNO kept its leading position as the best source to go to for the latest and most relevant information from the best online investment programs. And to date the only source that’s updated on a daily basis. I hope to continue delivering the most important news from the industry in the new year which will hopefully be a successful one for both HYIP investors and admins and remain the first place you even think of looking if you need information on the best online programs.

Anyway, the first good news today came a couple of months after contacting me first the long anticipated project from the same crew that ran GNI (GoldNuggetInvest) have launched a new program that will hopefully reach the same heights. More experienced longer term readers will remember that in 2008-2010 GNI was totally on top of the HYIP industry, absolutely one of the most successful and long-running investment programs online and so far ahead of anything we’ve seen since as to make the competition look almost laughable. Of course the program had its own up and downs during its time online and was hit by other crises out of their control during the later days. The collapse of StrictPay (one of the bigger online payment processors back in those days in case anyone doesn’t remember them) hit a lot of programs hard back then, plus the freezing of their bank account did even more damage. No one can deny though that GoldNuggetInvest made a significant impact on the entire industry during that period and I’m quite proud that MNO was the only official monitoring site which was allowed to market and promote the program.

And this will be the case with NewGNi – the name of the program launched today and which I have high hopes for because I know for sure what the administrative team behind it capable of. This also means that as before NewGNi will also be monitored exclusively on MNO, so stay tuned for more news and the latest stories on MNO which will be your primary source of information about the program’s development. For now they only accept LibertyReserve and PerfectMoney starting from $20. The plans are quite simple and as before have no expiry date. One pays 1% on every business day and the other which carries a slightly bigger investment minimum of $50 pays 6% on a weekly basis. Please note that there’s a 180 day lock-in period after which you can either request your principal back or keep earning with NewGNi until such a time as you’re ready to leave.

A few more words about NewGNi which I believe more than any program deserves a second look and a more comprehensive review which is going to be published on MNO soon. The hosting provider is Dragonara – currently the best hosting provider in my opinion – and they have a dedicated and DDoS protected server set up to keep the program safe and online at all times. The script is the same used by the old GNI back in early 2010, after the problems with the previous one. According to Jurgen, one of the former partners and now in charge of the NewGNi, it’s from ShadowScript which never caused the old program any issues despite managing over 20,000 accounts simultaneously (!). Straight away I would like to say that the process of making a deposit in NewGNi is a little different from the average HYIP and involves clicking the “Fund E-Wallet” tab in your account dashboard. Only after that can you proceed with making a deposit, clicking the “Make New Purchase” tab. Well, I guess with time every investor in NewGNi will get up to speed with the new script and I will try my best as well to explain everything in my upcoming review of the program which in my opinion has quite a decent chance to be one of the first important events in the industry for 2012.

Before finishing my introduction to NewGNi I’ll also just mention some of the latest updates taken from the website, including the first introduction and the holiday wishes for Christmas and the New Year:
“Welcome to NewGNi’s online portal
After months of planning and preparation, we are glad to finally open our doors to the general public. Come, join and encounter a new chapter in passive second income generation.”
“Season’s Greetings
Christmas and New Year are knocking at the door… It’s the time of the year to be joyful and merry. Enjoy the spirit of the season. We wish you a Merry Christmas and Happy New Year. May your holidays and new year be filled with joy.”

DAILY NEWS FROM THE INDUSTRY

Perhaps the most talked about news of the last day was the inability of the members of APEnergyInvest to access the site yesterday. Granted it gave a few minor headaches to a few investors, but nothing serious and definitely nothing that doesn’t happen to all the major industry players from time to time. But nothing to worry about this time. The admin of the program Mal was quite upfront, admirably replying to my email within five minutes and as soon as he uncovered the reason for the downtime the official Facebook page of APEnergyInvest was updated with the following comment:
“Downtime – Update
The server issues have been identified and are being fixed. It is not a DDoS attack or too much traffic, just a simple hardware failure. We will be back very soon.”
Then this second update followed:
“Downtime Update 2
We are still waiting for our web hosts to bring our web site back online. Everything else is fine, we are not going anywhere. Please be patient while we wait for KODDOS to fix the server.”
And finally the third which drew a line under the whole story behind the 18 hour downtime issue:
“RECENT DOWNTIME
 APEnergyInvest was unavailable today for about 18 hours due to a hardware failure as a result of a targeted SYN Flood Attack (DDoS). Everything is back to normal now. It took longer than expected to fix, but we are happy to be back operating normally again.
We initially did not think it was a DDoS attack as the hardware downtime made it difficult to find out the cause. Our web hosts did a great job mitigating the attack and we thank the staff at KODDoS for their help.
Sorry for the inconvenience and we hope our downtime did not cause too much concern. Thanks for all the messages of support on our Facebook page. For future reference, many of our investors were kept up to date via our Facebook and Twitter pages whilst we were unavailable and we encourage you to bookmark these pages in case anything like this happens again.”

As you can see what was initially believed to be a hardware failure was actually a DDoS attack, most probably from APEnergyInvest‘s main competitors attempting to blackmail anyone running a better HYIP. The site is online now and the withdrawals are mostly processed instantly. The lesson learned however shows how important it is to use different sources in case of downtime. Nobody can tell what would be the last day of a program, but if an admin is actively communicating and explaining the situation to members we can still be hopeful of a positive outcome. That’s exactly what happened to APEnergyInvest. Any program can suffer malicious DDoS attacks (even I did myself quite regularly before moving to Dragonara), but the most important thing is how the admin deals with it. In this case Mal handled it well and I think APEnergyInvest investors should be grateful for such a professional approach to a difficult situation.

I should emphasize that after APEnergyInvest recovered, payments are processed instantly or within the promised timeframe of 48 hours both to LibertyReserve and PerfectMoney on all plans – 1.9% for 30 days, 2.3% for 180 days and 2.5% for 365 days with principal returned on expiry (you can read more about that in my detailed review of APEnergyInvest posted here). Please also note that although many investors do get instant payouts it’s not guaranteed all the time. Just before the downtime occurred the admin said that a slow network can be one issue for example that prevents this from happening. I’m not sure if this was fixed after the recent DDoS attack was mitigated however, so please keep in mind that sometimes withdrawals from APEnergyInvest can be delayed:
“Slow Server Affecting Withdrawals
Our Web hosts seem to be having network traffic issues resulting in slow connection speeds which are in turn affecting our automatic withdrawal system. Please do not worry if your withdrawal request is not instant. Even though our policy is not to guarantee automatic withdrawals we do often provide this service and over the last few hours it has not been working correctly. ALL WITHDRAWALS ARE COMPLETED at this stage as they are done manually usually within a few hours, but new withdrawals may be delayed until the network problem is fixed.”

I’m glad to report that it looks like RiskCapitalFund (reviewed here) has made the first round of payouts from its only plan of 150% after 25 days. I’ve been paid myself on my $300 deposit in the program today and it took me only a few hours between the actual request and having money in my LibertyReserve account. Well, it’s good to admit that RiskCapitalFund didn’t become a fast scam which many were scared of and proved it can be a viable and profitable investment opportunity, at least, for those who joined the program first. Anyway, I hope that RiskCapitalFund will stay a popular choice among investors and bring some nice profits to your LibertyReserve, PerfectMoney, SolidTrustPay and AlertPay accounts.

I’d like to say that I have decided to change my approach towards programs trying to manipulate Christmas holidays and most probably use them to their advantage by still accepting new deposits while refusing to pay requested withdrawals at the same time. If you don’t pay old investors then stop taking new ones! One such program is ReProFinance which I had on Paying status until today. In my opinion, such practice (especially, after they took time off for the Jewish Hanukkah holidays, something they did not celebrate last year and looks a bit strange to say the least when celebrated next to Christmas!) looks a bit suspicious. That is why I made the decision to move ReProFinance to Waiting status on MNO for now. That will revert to Paying status in January as soon as payments resume, but not before then. I think it’s a fair decision and will prevent readers from being misled by the fact that ReProFinance totally stopped all their operations as of now. Well, not all their operations exactly. Seemingly their holidays don’t prevent them from taking new deposits, that much they can drag themselves into the office for. They don’t stick around long enough to make any payments to existing accounts, though. So, my advice would be to wait and see before the payments resume of which will be reported on my blog in due time.

The same thing also applies to BonusPayMe. It went straight to Waiting status on MNO today after I realized the admin was even lazier and announced a “well deserved” three week holiday after only two month online (and NO investors in profit)! Anyone else wish they had a job like that, lol! In my opinion this is the most definite indication of an imminent scam and therefore under NO circumstances are any further deposits in BonusPayMe recommended. I can’t move the program to Problem status either because the admin warned about it in advance, but this is way too long a holiday which is definitely NOT well deserved until after at least some investors see a profit:
“Year-end holiday.
 Our team has developed a great job on this project and take a well deserved vacation on December 26, 2011 to January 13, 2012. During this time only bonus generate interest. Capital investments begin to generate profits from January 16, 2012 again. By 2012 we will have surprises and we will continue our efforts to become the best business partners, all BonusPayMe team wishes you a happy new year full of great prosperity.
Best regards. BonusPayMe”.

After so many admins kept their recent updates to just two or three lines expressing their best wishes to members for Christmas, one of the longest updates from anyone in recent days was sent by FXMoguls last night. It was their regular weekly newsletter and contained a lot information that should be of interest to you if you happen to be a member there, so do read it carefully. I do have some mixed feelings about what’s being presented here though. On one hand when FXMoguls was first reviewed on MNO here, it was suggested that as a long term HYIP launching in early December one of the stronger points going for it was slow, stable, manageable long term growth. With this latest update however the FXMoguls admin seems to be going against all of that and making some contradictions as well. On one hand he’s making the highly unlikely claim that his program has seen some rapid growth over Christmas (and if he has, well, his is the only program to do so!) with a very dubious claim of 400 new investors joining during the holidays. But if that wasn’t enough the FXMoguls admin follows that with a series of bonus payments available to new investors spending $50 or more. As far as I can see the only reason for offering such a bonus scheme is when things slow down and you have a cash flow problem. Offering it when the program is on the verge of overheating (assuming the unlikely claim of 400 new members over Christmas is true of course!) would do nothing but make the problem worse in my opinion. So while FXMoguls does have a reasonable payments record up until this point on its plans offering 2.4%-3.7% for 150 business days with principal returned on expiry, I’m not sure a bonus scheme is something to get all that excited about at the present time:
“FXMoguls LTD Weekly Newsletter
Dear members, As always we at FXMoguls LTD wish to extend our deepest thanks and gratitude for your continued support of what we are certain will be the most profitable site of the New Year.
We are growing at an incredible rate and even though we are just exiting the holiday season we have had well over 400 members join during this time which we feel is a very respectable amount considering the season that we are in.
As many of you have come to find out, our support team has been very attentive to the needs of our members and continues to resolve all issues in a very reasonable amount of time. Payments have been fast and the work we are doing on our end has flourished even though the markets have been slow and quite volatile during the last week or so.
*** Deposit Bonuses***
We wanted to wait until the holiday season was ending to introduce an option that we feel will greatly benefit you as our members and also allow us to be able to serve you in the most efficient way possible.
We have been dealing with a broker for the past 6 months or so who has agreed to give us bonuses on our end to our trading accounts based upon the dollar amounts deposited. The way that our bonus works is as follows:
Once we make a deposit into our account we fill out an application for our % bonus to be added to our trading account. This is not a bonus that we can withdraw right away but it is one that we have the ability to trade with thus allowing us to trade with higher lot sizes and accumulate higher profits.
The agreement is that once each bonus has been traded for 100 full lots then it becomes a permanent part of our balance and we then have the ability to withdraw these funds for our member’s payments.
100 lots is a large amount to trade but due to the volume of trades that we have and the balance of our trading accounts it should be very easy for us to trade this amount in the 150 business days that our contracts run for.
Since this tremendous benefit has been given to us we have decided to pass it on to you as well in the form of bonuses for deposits made to your account.
The bonuses will work as follows:
The minimum deposit to receive a bonus will be $50 and they will work in ranges.
For a deposit of $50 – $499.99 you will get a 5% bonus
For a deposit of $500 – $1499.99 you will get a 7% bonus
For a deposit of $1500 – $4000.99 you will get a 9% bonus
For a deposit of over $4001 you will get an 11% bonus.
Your bonus will be added to your principal amount of your deposit. So for instance if you deposit $100, your account will show a deposit of $105 and you will earn 2.4% daily based upon $105 not the $100 that you actually deposited. Once your contract has completed and your term expires (After 50 business days) you will have $105 in your balance available for you to reinvest or withdraw.
This is a program that we feel will be of great benefit to you and FXMoguls LTD., further making us one of the strongest programs online today.
These deposit bonuses are active now and we will be adding a page to the FXMoguls website in the next 24 hours to explain the deposit bonuses once again.
Again we thank you and please do not hesitate to contact us at support@fxmoguls.com with any questions you have or with any suggestions for us to make your experience with us better.
Sincerely, FXMoguls”.

In his third newsletter to members the admin of TopWallet which is a short term HYIP that has already done exceptionally well to run for as long as it has, surviving Christmas though not yet the full month of December, says that he hopes all his members enjoyed their holidays and acknowledges that now it’s time to get back to work. And in doing so he has made some improvements to the TopWallet website that make it a little bit more user friendly and easier for investors to calculate what their deposit in the program should earn for them during their chosen term. So for that the site now comes with a handy “investment calculator” that you’ll find in both private and public areas of the website. TopWallet which was first reviewed on MNO here offers terms of 105%-130% after 1 day, 116%-220% after 3 days, 142%-600% after 7 days, 191%-1100% after 14 days, and 350%-2500% after 30 days. Considering they’ve been making ultra fast payments on those for some 20 days now to LibertyReserve and PerfectMoney accounts you can work out for yourselves that many repeat investors in the shorter term plans will have done very well for themselves up until now. Anyway, for how much longer it goes for is anyone’s guess, I’m only saying they’ve done well up until now. The full TopWallet newsletter is posted below:
“TopWallet #3 Newsletter – “Investment Calculator”
Hello dear TopWallet investors and promoters,
I hope you had a delightful and happy Christmas holidays with your loved and family ones. For those who didn’t yet had the Christmas Day, be patient, as Santa already told me that some goods and joy will be brought to You when the time comes! Perhaps it’s the reliable and exciting service that we provide and strive to improve all the time, LOL?
Now back to the business. This is our third newsletter and I would like to announce a feature that you all have been awaiting for.
We have installed an investment calculator at our website, which will allow you to quickly calculate your possible earnings with us. Choose your desired investment package, enter the amount you would like to go for and you will get an instant results of net profit and the total return. Calculator is located above the Live Statistics box (when not logged in) and in the deposit page of members’ area (when logged in).
You can respond to this email with your questions and doubts you may have. Actually I will be pleased to talk with TopWallet‘s investors individually if you need my assistance. Alternatively, you can always reach our customer support using the live chat installed at our website.
Thank you for your attention and doing business with TOPWALLET INC.”

One admin who decided not to take any extra time off because of the New Year holidays coming up this week – and kudos to him for taking this attitude I say because as he rightly points out the holiday is already on a weekend anyway – is LifeTimeProfits. That’s more or less the main focus of what they have to say in the update which can be read in full below. Just to remind you that LifeTimeProfits offers a more mid to long term plan of 3%-5% for 50 business days and was first reviewed on MNO here if you need more information on them. Meanwhile, LifeTimeProfits news update is republished in full below:
“Happy New Year !!!
Happy New Year for all our investors, and may the year 2012 bring you joy, happiness and hope all your dreams come true.
Please be informed that LTP payments and interests will not be affected by new year’s holidays as they are falling already in weekends.
And for those who are wondering what will be the status of LTP in the new year, we only tell to invest peacefully with us, we still in the beginning of the road, and if you don’t believe, wait and see as we don’t like to speak a lot, our actions will prove you.
Happy New Year Everyone !!!
Best Regards. Lara. LifeTimeProfits”.

The admin of BaseBucks Jo (interviewed here) sent another update on the program’s development. Daily results and fast track payouts are again highlighted. The program might look complicated at first glance though was explained in my detailed review of BaseBucks posted here:
“BaseBucks – December 28th
Hello, Just like we did on Friday 16th, rather than pay todays result to everyone. We have issued it exclusively as fast track payments.
Paying 7 investors their full 200% returns, you can view them here (scroll down to the bottom, until you see the 7 payments with blue icons next to them); http://basebucks.net/payouts/130
Not quite the 106 fast tracks we were able to pay last time we did this, as this time was only a 1% result and the investors were larger. But never the less, little bit of progress!
The results will be back to normal on Friday, where we’ll pay 2% to everyone like normal. Then possibly on Monday we’ll repeat this Fast Track preference again. As it’s good for removing blocks of investors from the bottom of the list.
And with todays result, that brings our total to 577 investors fully repaid 200%.
View them all here: http://basebucks.net/log/closed
Jo. BaseBucks”.

Here is the full list of the programs from my monitoring list that paid me for the last 48 hours:
RiskCapitalFund, EurexTrade, TopWallet, OneInv, HYIPInnovation, ProfitableSunrise, BaseBucks, EVBusiness, APEnergyInvest, FXMoguls, ForexReflex, SolidForexLtd, WalesFinance, TopsFund, LedgerWallet, FelminaAlliance, Royalty7, AmbrianInvestment, OnlineInvest and LifeTimeProfits.

That’s it for today, guys. I’m not sure if I’m going to post on MNO tomorrow, but if not I’ll definitely have something the following day, so stay tuned for that and see you all soon!