Hello all! I wasn’t quite sure I’d be publishing anything tonight, but it looks like we are facing a late summer surge in the HYIP industry with three new programs added to the MNO Premium listing today. So I think I’ll break the usual pattern and have a brief description of the three newcomers on first before looking at what other news stories of note emerged over the last 24 hours.

FIDELISFINANCE INTRODUCTION

I guess we’ll start with the program listed first on MNO today – FidelisFinance, a brand new program that launched only yesterday. It offers just one investment plan paying 4% for a duration of 50 calendar days. Please note that the original investment is already included in the daily profits and therefore won’t be returned on expiry. The minimum to invest in FidelisFinance starts from $5 accepted via the three main payment processors – SolidTrustPay, EgoPay, and PerfectMoney. Withdrawals have to be requested from your account manually and are promised to be paid by the admin within 24 hours. The FidelisFinance website is using SSL-encryption by Comodo, runs off a licensed script by HYIPCraft (which is a very similar product to GoldCoders) and hosted on a dedicated Staminus server with high level protection against DDoS attacks. Their story (which has nothing to do with reality!) has FidelisFinance as a company helping entrepreneurs in need with financial loans. This is mentioned by the the admin in the welcome newsletter which he posted on his website on its launch last night:

“Welcome message
Dear investors,
FidelisFinance would like to welcome you to the opening of our site to the general public. As it is explained in our page, we have been on business since 2010 providing loans for startup companies in need of funds to put a product or service in the market and decided to start collecting investments from individuals as a part of our expansion project.
We offer you a single investment plan paying 4 percent for 50 calendar days with principal included, summing up a total profit of 100 percent. Investments can be made through PerfectMoney, EgoPay and SolidTrustPay. FidelisFinance also offers you a profitable affiliate program paying 8 percent on the first level and 2 percent on the second.
Also, entrepreneurs in need of a loan can submit their applications online and we will contact you to schedule meetings and give you more information about the detailed procedures.
Welcome to FidelisFinance!”

IMPROFUNDS INTRODUCTION

The second program joining Premium listing on MNO today and put to Paying Status on my monitor is ImproFunds. This program also launched last night, which means that the first investors in the 105%-130% after 1 day plan have been paid already. Other plans where payments are also processed once on expiry include 117%-290% after 3 days, 130%-650% after 5 days, 162%-1300% after 10 days, 200%-1900% after 15 days, and are all available starting from $10 minimum accepted via SolidTrustPay, EgoPay, and PerfectMoney payment processors. As in the majority of HYIPs, you need to watch the expiry of your term in order to withdraw your funds which will then be transferred to your payment processor account within 24 hours maximum. I believe the waiting time could be much faster while the program is still new as my first withdrawal got paid within just a few minutes. While there is absolutely nothing sophisticated about ImproFunds‘ design or layout I can say that the security level is quite impressive as the admin chose the best hosting provider BlockDos on launch and the program is hosted on the dedicated DDoS protected server while both internal and external areas are SSL-secured by Comodo. The script ImproFunds runs off is a licensed version of GoldCoders, so nothing fancy about that either. As the program is brand new and offers quite high returns I’ll try to have a full review of ImproFunds and publish it on my blog by tomorrow, so stay tuned for that. Meanwhile, you can try out the program by yourself and read the welcome message that was posted by the admin last night:

“Welcome to ImproFunds.
We are pleased to announce that our website was launched – our team is ready to cooperate with you. We invite you to familiarize yourself with our offer and to make the first deposits. If you have any questions, please do not hesitate contact our Support Center.”

MUTUALWEALTH INTRODUCTION

The third program added today to Premium listing is called MutualWealth is actually a totally different type of programs Starting from its launch date, MutualWealth has been paying already from January this year, so it’s been around seven months lifetime for it. I don’t mean it’s a bad thing, because I don’t think MNO readers would be interested in spending money in an unknown program that pays a maximum weekly interest of 8% which is still variable while on average the weekly interests in MutualWealth is around the 2%-4% mark. These extremely low returns for the HYIP industry, however, are greatly compensated by the program’s stunning layout and different functions which makes MutualWealth looks more like an online banking system than a regular HYIP. Nevertheless, there shouldn’t be any mistake about the nature of MutualWealth as it’s still a high risk venture, just cleverly disguised under the face of a genuine investment opportunity offering slightly more reasonable returns than the HYIPs usually go with. Just a few weeks ago, MutualWealth added SolidTrustPay and EgoPay payment processors, while before that it only accepted deposits via PerfectMoney and Bank wires (with LR deposits having been discontinued after its unfortunate collapse a few months ago). The addition of the payment processors was actually the main subject of the latest updates posted on MutualWealth‘s site over the last few weeks and which you can read below which will give you a general idea on the gradual development of payment processors options available to the program’s investors:

“20th June 2013. Integration with Payoneer Global Payout Solutions is complete. Clients can now withdraw funds to Payoneer debit cards.
15th July 2013. Integration with EgoPay is complete. Clients can now deposit and withdraw funds with EgoPay.
24th July 2013. Clients may now use SolidTrustPay to deposit and withdraw funds from their accounts.”

The minimum to invest In MutualWealth remains quite prohibitive for many investors as on all of the three investment plans it starts from a hefty $100. The investment plans themselves offer a wide variety of different terms that will suit your needs depending on the investment strategy you employ and your aims at earnings from MutualWealth. The interest itself is credited weekly depending on the program’s trading results and is available for withdrawing to your e-currency account or directly to your bank account every Friday. The first plan pays you the smallest possible weekly interest of 2%-5% weekly for 30 days after which your investment expires and you’re able to withdraw it and be paid to your currency accounts within 14 days (I imagine it’s going to be much faster, but I can’t claim it). For the second plan you get paid from 2.5% to 6% weekly, but your investment term increases to 90 days. On the third plan the variable weekly interest starts from 3% weekly and can reach as far as 8% although there is a huge disadvantage of this plan that requires 50% mandatory reinvestment that can possibly increase your overall earnings at the end of the 180 days term, but makes investments in that plan riskier that to others.

As I mentioned already, overall, the site of MutualWealth looks good with loads of different info available and very extensive and comprehensive answers to your questions, especially in regards to the program’s alleged trading activities, which include the daily financial indicators and aiming at creating a false sense of security when browsing the website. I can only applaud then admin of being so inventive and creative, and I truly believe that MutualWealth has not been created to scam fast, but rather to develop and become popular gradually, perhaps, even over the years and bring the fortune to the admin who sets the investment maximum on his plans to the whopping 5 million bucks, possible really hoping to achieve this figure investment from someone who has not a clear idea on what HYIPs actually are.

On the technical side of things, MutualWealth is running on a totally unique and different script from anything I’ve seen in HYIP industry. I’m sure it cost lots of money to develop such a great script and the security features (which I will talk about in more detail in then upcoming review of MutualWealth on my blog soon) are also superb and actually they look more like the security systems of regular financial institutions like banks, rather than HYIPs. The site is SSL-secured by Comodo and it is hosted on a dedicated server with support and DDoS protection by CloudFlare. I’m sure that over seven months online the admin developed and tweaked his program to his liking and by now, it looks astoundingly well and perfectly reasonable in terms of investment plans. I have some very high expectations from MutualWealth, but please note that the lifetime of any HYIP cannot be predicted with much certainty, so always remember to invest what you can afford to lose. For more extensive information on MutualWealth please check out the upcoming review on MNO to be published very soon.

GOODNESSSUCCESS – NEW INVESTMENT PLAN LAUNCHED

GoodnessSuccess (reviewed here) opened a new investment plan today which, and I’m quite sure of this, won’t find many fans. The explanation of the plan given in the latest newsletter is quite long-winded and totally out of sync with the simplicity the investors hope for in the plans they’re offered. In a nutshell the admin presents the new plan as a chance to deposit a minimum of $500 and get paid in 90 days 180% of its original deposit, or getting paid 60% monthly. You should remember that two original plans offered by GoodnessSuccess pay 110% after 1 week and 150% after 2 weeks, so how can the new plan paying 180% in 90 days beat them? At the same time, the example of a sample investment given on the newly launched plan it’s shown that an investment of $10,000 will turn into $40,960. Sounds confusing? Well, you bet! That mathematical disturbance of the new plan can be easily explained if you consider that 60% monthly interest in not actually paid to your PerfectMoney processor account at the end of the month, but rather automatically compounds and becomes part of your original investment which in turn accrues higher interest on the following month. The whole process repeats for the duration of three months after which you can get more than four times of your money than you initially deposited with GoodnessSuccess. Now I hope you get it? Because it was extremely hard for me to understand it myself, and in my opinion, it would be much better and easier to describe this plan as paying 409.6% after 90 days, which in essence that plan offers. I’ll let you read the newsletter announcing the new plan first and then we will try to analyse if the new plan actually is worth any of your attention at all:

“New deposit 180% per 90 days
For many requests of the participants and feedback, we are happy to inform you that the new deposit “Successful” has been added to list of deposits. Interest rates of 60% a month, for a period of 90 days.
Minimum amount is 500 USD the maximum is 30,000 USD
The defrosting of the deposit occurs 90 days after creation, bringing in the income in 180% in 90 days The button of “sending Goodness” of the “Successful” deposit is in the separate menu in your personal account.
Investment example Your $10,000 will become $40 960 (will grow x4.10) Pure income 30,960$
Contribution of any new deposit can be made only after the finishing of previous deposit An example:
You can make a contribution on “Successful” and tomorrow make a 2 weeks 50% deposit. But you can’t make contribution on the same deposit, before expiring a term of the old deposit of the same type.
We hope that these innovations will allow you to earn even more, to become kinder, and live life just like you want it to be!
Team of community development “GoodnessSuccess“.

So we have now two competing investment plans in GoodnessSuccess offering very high returns of 150% after 2 weeks (for deposits starting from $10) while the higher paying 409.6% after 90 days new plan requires a $500 minimum. The higher minimum implies higher risk on your investment and efficiently locks your money in the program for the whole 90 days which is not good, if you’re an experienced enough investor realizing that ponzi-games like GoodnessSuccess don’t last forever, and perhaps, the 90-day period will not be enough for you to see your money actually quadrupled. However, that plan makes no sense at all, because the currently running plan offering 150% interest after 2 weeks is much more lucrative in the long run, than the newly launched plan where your money is locked for the whole three month period. Let’s imagine you have the original deposit of $100 and reinvest the whole amount every 15 days back into the same plan, i.e. using the voluntary version of the compulsory compounding applied to your deposit on the so-called 60% for 3 months plan. Then, after some simple calculations we get the figure of $ 1,139 which equals of 1139% interest on our original deposit at the end of the 90 days term. We used exactly the same tactics as the admin of GoodnessSuccess offered to us in his new plan and got much more profitable results with our voluntary compounding. Of course, it’s just an example that is not to be followed by a regular investor, but it’s just showing you how ridiculously less profitable and more risky the new plan is. No investments there can be recommended and are advised against if you successfully passed junior school exams in arithmetic.

BLACKGOLD – MORE HOLIDAYS COMING

As you know, BlackGold (reviewed here) is quite famous for its very preliminary, advance updates regarding any upcoming holidays. According to the admin BlackGold is headquartered in the People’s Republic of China and therefore the program observes all national holidays making them non-business days. I remind you that BlackGold only credits members’ accounts on business days and for about five months already it’s been paying on the following investment plans with the principal returned on expiry of each of them – 1% for 30 business days, 1.4% for 50 business days, 1.6% for 60 business days, 1.8% for 90 business days. Most of the time the withdrawals are processed instantly on the members’ PerfectMoney, EgoPay, and SolidTrustPay accounts which are all accepted starting from a $10 minimum. BlackGold has been a really good performer on MNO thus far and after 99 days on my monitor it reached #7 on my Premium listing. So, to find out what three days of extra holidays in September BlackGold will be celebrated with no interest credited to its members please refer to the latest update posted below:

“Site BlackGold news posting
Dear Investors!
From the 19th – 21th September in our country we celebrate the holiday of autumn and will not carry out any oil trading or pay any interest during this period.”

GET PAID REPORT FOR 14/08/2013

Here is the list of the programs from my monitor that paid me for the last 24 hours:
From MNO Sticky list: –
From MNO Premium list: InstaBank, PureIncome, EmpireFinanceGroup, RFIGroup, AlliexFinancial, CatenaFinance, BlackGold, ArgoMoney, Gesmie, After90Days, SolomonHit, LocomotiveTrade, ImproFunds (the first payment received), GoodnessSuccess (the first payment received).
From MNO Standard list:  –
From MNO Basic list: InvestmentCapital, OneDollarInvest, GetInstantWithdraw, TheInvestmentBank, ForexShare, StrongInvestment, GirlsProfit.

That’s all for today, guys. I hope it was useful for you and that my introduction of the new programs will help you make your investment decision. See you again tomorrow with a more detailed review of ImproFunds plus the usual analysis of the news events from the programs monitored on MNO. Bye for now and see you all then!/a/a/a