Hello all, and welcome again to the MNO blog – the only resource dealing exclusively with high-budget and top quality online investment programs by experienced admins. The highlight of the new autumn HYIP season of 2016 is undoubtedly LaraWithMe that has been a leading light in the industry. Because of such programs we know exactly that the HYIP industry is no longer stalling, as such leaders make their way to the top of everyone’s portfolios with their innovative forward thinking approach. It’s easy to believe that LaraWithMe has actually reached the 12 million USD mark in deposited funds over its first three months online, as the admin has recently approached me again with a request to upgrade his listing to Premium and then Sticky for a full month, so you will be able to enjoy viewing LaraWithMe on top of the pile on the MNO monitoring page for at least the next month. A few extra banner spots have been purchased by LaraWithMe as well and you are now able to see them all across the MNO website. I’m currently in touch with the admin of LaraWithMe to discuss more promotional materials for his program that will be published on my blog over the next few weeks, so you’ll find out about that when the time comes.

Of course the current healthy growth in the HYIP industry means that all the programs from the MNO monitor are pretty stable, but it’s the leaders who determine the dynamic. The best performers on MNO at the moment are in the latest article on the Top Five Popular Programs posted here. The positions in the rating currently remain more or less the same, although the surprising arrival of Zinc7 that enjoys an immense level of popularity among readers (over 110 signups for only the first week online!) and the return of the first deposits in the seven day plan earlier today will most likely propel the program to new heights and to take a place in the Top Five, most likely ousting RapidIncome in the process. We will see how the situation develops, as we cannot exclude other promising new programs joining MNO challenging the current leaders themselves.

In the first news update today I want to bring your attention to a couple of changes in LaraWithMe, share some opinions on the latest updates from Payza and SolidTrustPay, and also look at the final results of last week’s opinion poll. So lets get started!

LARAWITHME – MINIMUM DEPOSIT SET AT $15, NEW PLAN FOR LARGER INVESTORS COMING, RESULTS OF EXCELLENCE CONTEST PUBLISHED

A sudden change in the minimum investment allowed in LaraWithMe saw an increase from $10 to $15. This wasn’t really announced anywhere else as far as I can see, but I guess it really only affects the very small investors. Now when you try to join LaraWithMe‘s 3% daily forever plan via Payza, PerfectMoney, Payeer, BitCoin, or AdvCash you will see that the first available amount is $15 instead of $10. This won’t affect your withdrawals from LaraWithMe as they will still be processed instantly, and you still have the advantage of investing via one payment processor and withdrawing to another thus saving you fees on e-currency exchanges. Please note that before you can invest in LaraWithMe you must install the Telegram app or use the Telegram web version on your computer (click here to create a Telegram account). Don’t worry – the only thing needed to create an account and then login in and add the Lara bot to your contacts is a mobile phone number to receive a one-time PIN to allow you to use all the features of the Telegram account. It’s really very different from any other HYIP in the past, but once you go through the initial process you will find it extremely easy and fun to work. I’m only surprised that more investment programs aren’t using it. Remember though that once you invest with LaraWithMe you will not be able to withdraw your principal, so you should allow 34 calendar days before you reach the profit zone with 3% daily payments, as your principal cannot be withdrawn (although some other interesting features in the review posted here might help you to take full advantage of the Lara bot). This will soon change as the admin recently announced a new investment plan paying 1% daily, but offering your principal back anytime (thus making the investment process much more flexible) will be available, but only to larger investors playing with $50K or more. Here’s the update from the official Facebook page of LaraWithMe about the new Jet Black Deposit plan which large investors will be privately notified:

“For Those who operate millions…
Jet Black Deposit Plan is coming up…
– Principal Back Anytime
– Fully Automatic daily payouts, no human hands needed
– 1% Lifetime profit.
– Personal 24/7 Concierge assistance (Bitcoin exchange & services)
– Wire Transfer & Bitcoin only. UAE & Europe Orientated.
– Investors Privacy. And yes, we mean it.
Jet Black deposit plan starts from 50K up to 500K (& 1M off the record)
Only Top investors (from deposit 10K & above) will be notified.
For more information talk to Creators via Telegram profile @lara_creator”.

More news from LaraWithMe of interest to the top promoters was the recent Excellence contest to determine the members with the highest amount of funds from their referrals. A prize fund of $15K will be distributed among the winners and hardest working promoters. With dozens of prizes unveiled, the main one was seven Apple MacBooks. The condition for those who actually won is that they purchase the MacBooks for themselves from the prize and then their pictures and videos will be shared among others so everyone can see the contest was honest and fair. And one more thing – a much bigger referral contest will be announced for LaraWithMe members soon with prize money reaching a staggering $100K in total. Well, the program must grow at all times and such contests proved to be an excellent tool to motivate promoters. Congratulations to all the prize winners, and to see the full list of names and other news regarding thiss and future contests please see below (perhaps you’ll be one of the next winners, just imagine!):

“COME & GET YOUR GOODIES!
From behalf of the community, we want to congrats all the participants with our first “EXCELLENCE” Contest being successfully finished!
Today we are happy to announce all the winners, who put an extraordinary effort to get on the top.
As we said earlier, $15K contest budget will be perfectly divided between all the 3 winner-list gradations.
Let’s face it, we did not expect such an activity, and competition itself was quite challenging for all the participants.
Without further ado, let’s quote all the lucky prize-holders: https://larawith.me/contest
7 MacBooks go to:
+$74,000.00 @btcman1 ID 94088316, +$60,650.00 @HieuNguyen789 ID 260363007, +$60,010.00 @yon ID 268316129, +$55,500.00 @bosir ID 265515061, +$53,000.00 @Murilla ID 273921392, +$43,660.00 @alexanderinblack ID 238645663, +$40,020.00 @Leelusia ID 247496713
7 Apple Watches go to:
+$40,000.00 @mainteam ID 259791308, +$35,000.00 @Kapil ID 291061178, +$33,810.00 @nowas55 ID 242063504, +$32,540.00 @richphan ID 162900697, +$30,340.00 @Istomin ID 34348400, +$30,150.00 @VietnamAgent ID 241456562, +$30,000.00 @igond ID 252513370
7 Bitcoin Ledger wallet go to:
+$30,000.00 @Budi78 ID 156174307, +$29,000.00 @bogomoll ID 239616620, +$28,670.00 @VMoneyX ID 249767436, +$25,260.00 @danielavaron ID 287041132, +$25,000.00 @Shirly ID 252389048, +$24,800.00 @Thanh ID 290235599
+$23,600.00 @Sundram_Boy ID 253426182
And just to make it fair, here are 7 more leaders which will be rewarded with a small gift as well
+$23,600.00 @Sundram_Boy ID 253426182, +$23,480.00 @?? ID 265000748, +$23,260.00 @MUHAMAD ID 235973384, +$22,880.00 @fufan2059 ID 217120796, +$22,175.00 @hyipstat_me ID 190357209, +$22,100.00 @Dennis ID 230104145
How to get a prize?
It is quite easy – you will be contacted by the administration and provided with all the instructions. Note that if your telegram nickname is not clickable from the winner list above, you have to contact @lara_creator and provide your profile ID by yourself (set a #winner hashtag for our convinience).
Once you talk with us, your Bitcoin wallet will be credited with a necessary amount to complete a prize purchase, then after you get your gift, you should send all the proofs (Video holding a gift, Picture) back to the administration’s profile.
Once we get all the materials from users, everybody will be able to see the final result of the “EXCELLENCE”!
This is only a beginning. We’ve successfully tested a very powerful instrument…
Next contest will be much bigger and much sooner that you can expect. Next EXCELLENCE contest promise us over $100K budget giveaway! But we will see, might be bigger.
Stay in tune & live your life freely!
FINAL STEPS TO GET A prize!
Right now I will describe you what you have to do in order to obtain your MacBook!
Please provide me with your:
Bitcoin Address, Lara Profile ID (only your actual profile which were used for the team-building during the contest)
We will transfer you a necessary amount for the gift purchasing at your credentials. After that you will have up to 5 business days to buy your MacBook
Each winner suppose to provide us back with a complete proofs of the purchase.
Within 5 business days you have to come up with video or photo session on which there is a clearly displayed gift in your hands, A4 paper with your Telegram Login + Profile ID + some kind words will be highly appreciated.
This is the only one obligation which you have to complete as a winner. But in case of those who will not provide us with a purchasing proofs, their account will be credited with a penalty, so please make our community happy with your amazing feedback!
Those post-contest materials will help our community grow and establish an amazing future contests with much bigger budgets & huge gifts!
Alex Creator. And the others….”

MNO TALKBACK – POLL RESULTS AND NEW POLL ADDED

Time now to look at the results of the last MNO TalkBack opinion poll and replace it with a new question. With most of the news on MNO today coming from payment processors, it seems a fitting coincidence that I was asking readers thoughts on the choice, or lack of, in HYI programs they are joining. The result was pretty convincing, and I hope a real eye-opener to admins who expect big results just by providing the basic minimum and expect investors to be satisfied with that. The exact question asked was:

“Does the lack of your favorite payment processor prevent you from joining a HYIP?”

A clear 50% of readers happen to think it does, answering “Yes, I only invest from one source and would rather look for other programs”. Granted if that source happens to be PerfectMoney and therefore accepted by just about all programs then fine. If those investors prefer something else however that’s an overwhelming number of potential customers that are simply abandoned by admins who just give up on ever attracting them as clients for no good reason whatsoever. It goes to prove that variety and choice are absolutely essential components, not if you just want to operate a HYIP but if you want to operate the biggest and best in the industry. In second place with 37% of the vote came the option “No, that will never affect my decision to join a program”. Again I would suspect a lot of people taking this view are probably using processors like PerfectMoney which is almost universal and therefore not likely to cause any problems by not being accepted. In third place with the remaining 13% of the vote was the view a lack of choice can be a problem, but if the program is otherwise genuinely at the top end of the industry some people are prepared to make a rare exception. They voted “Maybe, but if a program’s too good to miss I simply exchange my funds”. That’s something HYIP admins can never depend on and only goes to prove once more that variety and diversification in payment methods is the only way to ensure you at least get the attention of as many potential investors as possible.

For the next question then, since the only news worth reporting in the industry other than payment processors is from LaraWithMe, I want to ask you about that. There’s no real doubt that LaraWithMe have been dominating discussion in the industry recently, being by far the most original program online right now and for the first time in I don’t remember how long have rewritten the rulebook completely. This is the first HYI program to base itself on the Telegram messenger system. Don’t worry, where success leads the way copycats will follow, you’ll see enough of them soon enough, but for now LaraWithMe remains the original and undisputed best. But do you think they have what it takes to be main driving force and leader of the industry? As business sees a sharp improvement in the autumn there’s definitely a few candidates for that title, however a lot of them are of a similar age without being clearly dominant over the others. That has to change sooner or later as more and more investors migrate to what are the best programs, and LaraWithMe is likely to be at the forefront. What I want to ask you then is this:

Do you think LaraWithMe can become the biggest program and industry leader?

Answers are as follows:
– Yes, it’s already the leader.
– Maybe, the potential is there if it performs well.
– No, the industry isn’t ready for something this radical.

Note that LaraWithMe is currently the undisputed leader of the poll running in the latest article on the Top Five posted here where you can also participate and share your opinion on your favorite program from the list. As always the TalkBack poll will remain open for at least another week, maybe ten days, but long enough to allow everyone who wants to vote plenty of time to do so. Thanks in advance to everyone who takes part, no matter which way you vote your contribution is always very much appreciated. Remember that voting here only takes a second and is 100% anonymous at all times, unless of course you prefer to discuss it yourself on the MNO Shoutbox.

PAYZA – PRACTICAL SECURITY TIPS FOR ATM USERS AND SHIPPING AND DELIVERY TIPS FOR e-COMMERCE BUSINESSES

As I previously wrote about in an earlier post, I’ve recently received a MasterCard managed debit card for use with Payza. I just ordered it online through my Payza account, and it arrived at my house not long afterwards, delivered by the postman in the regular mail. It works fine I have to say, loading money from my Payza account directly to the debit card is always fast, almost immediate for smaller amounts and even for bigger sums a lot faster than the stated waited time. So far I’ve used the Payza card without any problems for over-the-counter in store purchases in shops and grocery stores, and for cash withdrawals from various banks with ATMs that allow MasterCard (which of course is practically universal). Anyway, it’s perhaps with the idea of their own debit card now in worldwide circulation that Payza have provided members with the following article advising some personal security tips when using it, focusing largely but not entirely on ATM (cash machine) use. A lot of it is just common sense of course, information that your bank should be giving out to every first time customer and repeating on a regular basis. And even if you think you are always careful, it still won’t hurt just to refresh your memory and read the following article in full taken from the Payza news blog. It only takes a moment of your time and could save you a fortune:

“ATM Security: Some Helpful Dos and Don’ts
Simple actions help ensure ATMs are both convenient and safe.
Both average citizens and criminal minds adore the convenience of Automated Teller Machines (ATMs). With the growing ubiquity of ATMs around the world, the emergence of cunning card scams that defraud ATM users are becoming all too familiar. Meanwhile, at the ATM most citizens remain unaware of the risks of tossing their card statements in the garbage on the street corner and appear aloof when entering their PIN number in full view of strangers passing by.
Though ATMs have been around for a while now, we all can benefit from a friendly reminder of the Dos and Don’ts when using ATMs and how best to keep our ATM cards safe.
Security guidelines for your ATM card
Dos:
– Sign your name on the strip on the back of your card as soon as you receive it.
– First use of the card must be at an ATM, otherwise it will not work at Point of Sale (POS) at a store.
– Memorize your personal identification number (PIN) and never share it with anyone.
– Store your card in a secure place where you will know immediately if it goes missing.
– Beware of “shoulder surfing”: shield your PIN from onlookers by using your body and hands. Once you complete your transaction, be sure that you have your card and your receipt, then leave immediately.
– Make a new PIN as soon as you receive your card. Change your PIN every three months.
– Store your bank card with care so that you do not damage the magnetic stripe.
– Check your ATM machine for signs of any external fittings or loose wiring; these may indicate you are using a scam ATM machine. Report suspicious ATM machines to the bank and use another ATM.
– Check your monthly bank statement for unusual or unauthorized transactions. Report any suspicious or unfamiliar transactions to your bank immediately.
– Ensure your card is swiped in your presence at a POS.
– Immediately inform your financial institution if your card is lost or stolen.
Don’ts:
– Never lend your card to anyone.
– Do not write your PIN number on your card.
– When disposing of old receipts and statements, don’t use public waste receptacles and be sure to destroy the statements so they are useless to identity thieves.
– Never share your PIN with anyone, including a family member or bank personnel, or in response to online or email requests.
– Never carry a copy of your PIN in your wallet or purse.
– Never let anyone see you input your PIN.
– Never use a PIN that could be guessed easily, such as your birthday or telephone number.
– Never leave your card unattended; for example, in your car, hotel room or on your desk at work.
More Resources
A victim of an ATM scam in India recounts her story (Basunivesh.com).
This article has more tips on how to protect yourself at the ATM (Krebs on Security).”

Another recent article from the Payza official blog was aimed at online e-commerce businesses, giving them useful tips on such important issues as product shipping or delivery. I’m not sure how useful it would be for the online-based businesses, but if you own an e-shop that sells physical products to customers you might be interested to read the following article as well:

“Payza E-Commerce Tips: Don’t Make Shipping and Fulfillment an Afterthought
In e-commerce, for the most part, you have full control over customer experience; it is within your power to ensure that customers enjoy browsing your website and ordering your products. But once the product is bought and paid for, that doesn’t mean your job is over.
Delivery is just as important to the customer experience, and it can be uniquely challenging to manage. Whether you’re just starting an online business or you’re migrating your brick-and-mortar store to an e-commerce website, shipping and fulfillment is one of the pillars on which your online store needs to stand.
The rapid growth of e-commerce happened for two reasons: access and convenience. Access because it gives businesses the ability to offer their products and services to consumers almost anywhere in the world; and convenience because it empowers consumers to shop wherever and whenever they want and receive their purchases right at their doorstep. If orders are not fulfilled quickly and painlessly, access and convenience don’t count for anything.
This “delivery dilemma” can be challenging for small businesses because unless you have your own delivery fleet, large parts of your shipping and fulfillment process isn’t under your direct control.
Since the cost of owning your own delivery fleet is unrealistic for most small to mid-sized enterprises, let’s look at the elements that you can control:
Packaging
Like most businesses, you’re probably outsourcing the transportation of your products to your customer’s door. In this case, packaging becomes even more important because it’s the only way you can guarantee that the product arrives in good condition. Delivery drivers don’t necessarily know (or care) what’s in any given package, so the responsibility is on you to make sure it’s packed securely.
Beyond simply protecting the product, packaging is also an important aspect of branding. As e-commerce has grown, so too have the standards consumers hold for the e-commerce experience. Packaging should be an extension of your brand – if your products look good when they arrive, your customers are more likely to feel good about their purchases right away and the more excited they’ll be to order from you again and again.
Since branding and presentation are within your control, it is in your best interest to provide that personalized touch that adds value and keeps your customers engaged.
Pricing
High shipping fees are the number one cause of shopping cart abandonment, so spend some time and consider exactly how you’re going to charge for delivery and what impact that will have on your business. If your profit margins can bear it, offering free shipping is the best option.
Free shipping gives you a competitive advantage and you should see the effects firsthand: from increased conversion rate to returning customer rate.
If your current margins don’t allow for free shipping, there are other ways to make it possible. Some merchants factor the delivery expense into their prices, while others offer free shipping only above a certain order size to ensure they’re not taking a loss.
There are two alternate ways to price your shipping. You can charge at cost by integrating a real-time shipping calculator into your checkout page. This ad-hoc shipping markup ensures that you don’t take a loss and offers customers transparent pricing. Or you can charge a flat rate based on the average shipping costs for your orders.
Choosing the right courier
You can both keep pricing down and ensure the product arrives in perfect condition by being selective when choosing your courier.
Shipping is big business. Take time to shop around this highly competitive market and find the right fit for your budget as well as your needs. Remember as well to negotiate pricing with your courier often, as most shippers are only willing to offer custom pricing once you’ve built up a history with them.
Also, consider outsourcing the whole process by using a fulfillment warehouse. This involves renting space from a third-party company that will store your inventory and ship your orders for you. While this setup limits your ability to personalize your packaging and can be expensive you may decide you can accept these drawbacks after weighing the benefits. What you lose in cost per package shipped, you might make up for in time savings and less overhead.
When making these choices, it’s always important to take into account the nature of your business, your products, and your target market. Do your research, gather data, and test different methods to see how they affect your conversion rate and your bottom line. And be sure to keep an eye on the Payza Blog for the latest information and best practices on running your online business.”

SOLIDTRUSTPAY – CASH PRIZES STILL AVAILABLE FOR SURVEYS

Another payment processor with even more demanding standards set for its business clients as far as accountability to customers is concerned is SolidTrustPay. It’s long been the favored payment outlet for the serious more professional bigger spending investors, though in recent times isn’t as widely used in the HYIP industry as before. Largely because standards are much higher than all but the most capable admins are prepared to meet, but when you do see STP in use then it’s invariably a good sign. On a more practical level a lot of users will already know some of the main benefits of using STP, such as bypassing overpriced third party exchangers and not have to pay someone else to move your own money between your bank account or credit card, and being more protected from scams. Anyway, in their efforts to stay in touch with their clients needs, SolidTrustPay have recently been running a series of customer satisfaction surveys. It’s a competitive business after all, and as with any business the ones that do best are the ones who do something that others don’t. The surveys seem to have been a big hit among STP account holders, relishing the opportunity to give their feedback and tell the management there what they want rather than be told what they are been given. It seems also that the STP management are welcoming the contribution made by account holders in equal measure and in the long term are looking for customer driven suggestions to continue delivering the best service possible. If you happen to be a SolidTrustPay members then taking part in the survey is what they call a “no brainer”, obviously being in your own best interests to tell them what you want from the service. They are quite prepared to listen as well, because it’s just been announced that the surveys are being extended for another week to give more of you a chance to participate. What’s more, as an added incentive to encourage members to take part, all completed surveys will be entered into a draw for a cash prize. So why not try your luck? Details are in the following update taken from the official SolidTrustPay news blog:

“Customer Survey Extended!
We’ve had such a great response to our online Customer Survey that we’ve decided to extend it for another week to give those of you who haven’t given us your feedback a chance to let us know what you think. Click the link below and tell us!
Survey
!Bonus! All survey entries will be submitted into a draw to win cash prizes! *one entry per person only.”

GET PAID REPORT FOR 19/09/2016

Here is the list of the programs from my monitor that paid me for the last 60 hours:
From MNO Sticky list: LaraWithMe.
From MNO Premium list: ArdexFunds, BandeiraCorp, Capitaller, Edelweiss5, EmpireAdvertisement.
From MNO Standard list: RapidIncome, Zinc7.
From MNO Basic list: TokyoInvestmentCompany, HYIP-A, Dowerly, EarnTech (the first payment received).

That’s it for today, guys. I hope you enjoyed reading and will take an active role in the latest poll on the TalkBack page on LaraWithMe‘s great performance. I’ll be back on Wednesday will all the latest news from the best programs in the HYIP industry, and not to miss anything please subscribe to the daily news here and follow MNO on Facebook and Twitter. I’m always pleased to hear your feedback, so write to me at this contact page or directly at abramsonp@gmail.com Stay tuned and see you all soon!