Nov 18th, 2016 Archives

Advertise
Place your banner here for $150/week or $500/month. Available NOW.
Revolut
Place your banner here for $145/week or $480/month. Available NOW.
Advertise
Place your banner here for $140/week or $460/month. Available NOW.
Advertise
Place your banner here for $135/week or $440/month. Available NOW.

0

Beware! YiwuWorld has stopped paying! Do not invest there!

Hello everyone! It’s been quite a hectic day for one reason or another on MNO, writing from 10,000 meters above the deep blue Atlantic Ocean, though at least I can take advantage of the nine hour plane ride to get some work done. Well needed too, as not only do I want to take a detailed look at YiwuWorld which is a new addition to the MNO monitor, I also have another new program that I’ll be introducing in the news section. Plenty of time then to finish a day’s work before arriving at my destination, the Caribbean island of Saint Lucia where I’m going to be staying for a short winter vacation. It’s my first time here but if it’s anything like Barbados a couple of years back I’m sure it’s going to be good. Anyway, I doubt that’s the main reason many of you are reading this today, let’s see if there’s any proper money making opportunities instead, shall we? YiwuWorld is a very well organized and presented program, not strictly speaking brand new as it’s been online for three weeks, but the admin is only getting a more serious promotional campaign underway now.

There’s just one single investment plan to choose from in YiwuWorld. This means that the same rules are applied to all deposits, big and small. The only thing you really need to have in order to join YiwuWorld is a $10 minimum. If you can afford that, then the investment plan here has no expiry date. You simply join the program, collect a a fixed daily interest payment, and allow this to continue for how ever long YiwuWorld manages to survive. Everyone gets a daily payment of 5% interest. Your principal is locked in permanently and cannot be withdrawn again under any circumstances. So once you are a member of YiwuWorld then that’s it, you stay a member for how ever long they can continue to pay.

I can’t really give a practical example of how that might look in real monetary terms, it just depends on how early you join. One assumes the sooner you join the more payments you will be there to receive, provided the growth and expansion of YiwuWorld is steady sustained. I’ll just say for a $100 investment (which the YiwuWorld admin will keep), you can withdraw $5 per calendar day. The most important statistic you need to watch out for in this case is the break-even point. You should earn back an amount equivalent to your principal after 20 days, which is pretty good considering the perpetual nature of the program. Everything you receive from that point on is pure net profit and no longer carries any personal risk. After that whether you make 5% or 500% profit from YiwuWorld is entirely down to how long the program stays online.

Following on from that, if you like YiwuWorld enough to commit your money to it and make an investment, the next thing you will need to know about are what your payment options are. For now this is fairly standard for the HYIP industry, but in this case YiwuWorld put a very unique and individual twist on things that I think a lot of readers might enjoy. You see, you can use any of PerfectMoney, Payeer, and AdvCash if you prefer the more traditional style payment handlers, or BitCoin for anyone looking to make a direct deposit with a more modern digital e-currency. Nothing unusual about that you might think, however it’s with the payouts that YiwuWorld looks so different. Members have the option if this is what they prefer, to manually request payments from the admin everyday as they are owed. However because one of the features of the YiwuWorld is their own unique and custom-made script, this enables members to set up automatic payments. That means, as you can probably guess, you will no longer have to log into your account for your withdrawal requests. It’s not compulsory or anything, you don’t have to set it up if you don’t want to, I just can’t see any reason not to once the offer is made available. For anyone who still uses manual withdrawals then from YiwuWorld just log into your account, submit your request, and payments should then be made instantly. Just put in the request from your account area and the money should be with you in under a minute. Anyone else with automatic payments just sit back, relax, and forget about everything. The YiwuWorld script will take care of it all. In order to enable this feature (and no, it’s not the default option as it was only added after the program had already started) you simply need to log in to your account area in YiwuWorld. Then click the button marked “Personal Settings”. Among other things such as recording your payment processor account details this is also where you will see “Withdrawal Mode”. It’s all quite self explanatory after that, giving you the choice between “instant” or “automatic”.

With that in mind I’ll move on to some of the more technical features of the YiwuWorld website, such as design and security. No need to repeat myself about the script I guess, it is as I said unique and custom-made especially for the program. Apart from the situation with enabling automatic payments the admin can/might be able to implement other features as the program progresses and can make changes as they are required. It gives a lot of flexibility to YiwuWorld and should allow it to grow and improve as the program eventually reaches a wider audience and shows the admin is well prepared. The hosting provider is DDoSGuard who are fairly well known by now in the HYIP industry and are keeping the YiwuWorld website on a dedicated server. For safer browsing and more secure financial transactions the YiwuWorld website features an Extended Validation SSL certificate from Comodo for an extra layer of security.

Should you have any further questions for the admin or any account related issues that you need to have dealt with then you have a couple of points of contact open to you. Start with the FAQ page of course, you should be able to find most general questions there as it’s quite extensive and covers most aspects of the program. Otherwise fill in your details on the online customer support form and submit it through the website. That, or write directly to the admin at the e-mail address listed on the YiwuWorld contacts page. There’s a postal address in the UK where YiwuWorld is registered as a company, which although looks more slick and professional is something I think most experienced HYIP players know quite well to ignore by now. These things while being totally genuine are also very easy to arrange online, not very expensive, and just used for registration purposes rather than where you would find anyone connected with running YiwuWorld physically located. The address is accompanied by a telephone number you can try if you are expecting an operator to respond. Of much more use to online investors are the social media networks where you can find the admin managing active profiles. Currently YiwuWorld can be found on both Twitter and Facebook.

A business plan, just in case anyone is interested, seems to be related to manufacturing and retail. Exact details are a bit sketchy to say the least, and there ‘s not a great deal to follow it up that anyone can independently research and verify. Not that most regular readers will care all that much, it’s always worth repeating for newbies because even if it was genuine there’s still absolutely nothing to guarantee it necessarily has to be profitable all the time. So if you join YiwuWorld then treat them as you would any other online HYIP. That means keeping “the sensible hat” on when deciding how much to spend, that is to say make sure it’s comfortably under a figure you can afford to lose if things go slightly awry with your investment and easily earn back from other offline income sources. That, and remember to try and keep YiwuWorld as part of a wider more diverse portfolio.

Just one other quick point I want to make before we leave YiwuWorld is to ask readers about their own first impressions of the program. Do you think you can spot a winner here and think it’s worth a couple of bucks, or is this one simply not for you? As usual I think it’s only in the weeks and months to come when we really assess the performance of YiwuWorld, good or bad, that the results become more interesting. Remember also that participating in the following opinion poll literally only takes a second (or how ever long it takes you to reach a decision!) and is 100% anonymous and untraceable at all times. So:

Will you make an active deposit in YiwuWorld?

View Results

Loading ... Loading ...

DAILY NEWS FROM THE HYIP INDUSTRY


MEXEER INTRODUCTION

Out of the recently added programs on the MNO monitor Mexeer is perhaps the most original and well-prepared in terms of the various different features investors can enjoy along with earning money from it. Mexeer was only launched a week ago and already managed to turn some heads with its unusual interface and unique script that allows not only investing as regular HYIPs, but also its own currency and own wallet with number assigned on registration and operating in their Mexeer currency and transfer money with it. The wide range of payment options accepted by the program allows you to fund (or “replenish” as they say) your Mexeer account not only with such traditional payment systems as PerfectMoney, Payeer, and more recently AdvCash, but also with several modern digital currencies some of which I have never even heard of including BitCoin, LiteCoin, DogeCoin, DashCoin, PeerCoin, EmerCoin, and PrimeCoin. Simply creating and funding an account in Mexeer doesn’t mean that you will start earning – you will need then to make a deposit from your available balance, otherwise your money will be sitting there doing nothing. You may choose creating a deposit starting from a $10 minimum to a $3,000 maximum (you can have several deposits running simultaneously) and choose from 2% for 75 days, 2.3% for 77 days, and 2.5% for 80 days investment plans. The principal is not returned on expiry, so your pure profit at the end of the investment term will be 50% to 100% depending on the chosen plan. The profit is credited to members’ accounts in Mexeer on every calendar day and is then available for withdrawal which will then be processed within 24 to 72 hours time. As I have not made any withdrawal yet, I will be able to judge more on the terms once the full review is published by Monday. As Mexeer claims to be an exchanger and an investment fund with its own currency it will be interesting to evaluate all its features and see them closely which I haven’t got time to do yet by now.

Technically, Mexeer is prepared quite well with hosting on a dedicated and DDoS protected server by CloudFlare, SSL EV Green Bar by Comodo, and the domain name registered for five years in advance. But the main thing about the program you might notice when first arrive there is its stunning design and translations into English, Chinese, Vietnamese, Spanish, Portuguse, Indonesian, and Russian all available. There is also 24/7 multi-lingual support present, many points of contact and social networking sites in action, while the admin is also actively seeking promoters at the moment, with MNO just being another stepping stone to bringing Mexeer closer to an English speaking audience. I know that for some of you the site might look complicated and my task will be to make your experience with Maxeer as easy as possible. I will try to do my best when reviewing the program in a few days, but meanwhile you can read the first news updates from the program highlighting the search for advertisers while offering lucrative multi-level commissions and more on the inclusion of AdvCash to the pool of available currencies for joining Mexeer:

Advertising Partnership with Mexeer
Attention! We appeal to all of our potential partners, bloggers, website owners and other monitors of various internet portals. Prior to the start, Mexeer took full list of advertising sites, with which advertising campaign of project was coordinated for the coming period. In this regard, we do not react to the incoming flow of new proposals. However!
We thank you for your initiative and offer the next version of the mutually beneficial cooperation! If you have the resources for the promotion of our project, and your goal is much higher than the one-time payment, we are ready to give you the status of the advertising partner and discuss the option of raising interest rates to our referral program individually for you.
This offer is constant in time, do not miss the moment, come first serve first !! Our first Mexeer advertising partners are already tasted the benefits. Congratulations on that!
How to start? No much discussions about it. In order to become advertising partner, place our project on your site and write your details to our Support through Mexeer office: Your website + contacts and description.
Attention!! Offer period until 21 November 2016.

Advanced Cash Payment system is connected now
Dear investors, we inform you that now your purse can be top up as well as withdrawal made through payment system of Advanced Cash on our website.
The corresponding label bills – advcash became active in the “Deposit Mex”
We are doing our best in order Mexeer to become more and more user friendly to everyone!


ZINC7 – PAYZA ISSUE RESOLVED AND MAJOR IMPROVEMENTS HIGHLIGHTED

Yesterday some very good news came from the administrator of the current #1 program on MNO Zinc7 (read the full article on the Top Five Popular Programs here). You might remember from previous updates posted on my blog that the program recently faced some issues with Payza which affected withdrawals to this payment processor only. This forced the admin cancel the pending withdrawals to allow members to withdraw to other payment systems while the outcome of a Payza investigation was still pending. As of yesterday everything seems to have been fully resolved which prompted the admin to issue yet another update announcing Payza withdrawals being back to normal:

Payza account is back to normal, withdrawals are processing
We just received an update from Payza that our account is again operational and their security checks is completed, We thank Payza team and support for helping in getting things resolved. Withdrawal request will be started to process and you will start receiving them asap!
Thank you for keeping patience in this meantime, and as always we reserve rights to process each payment within 24-48 business hours as mentioned at our F.A.Q’s.
Confidence Built By Essentials, Zinc7 Team
”.

Although the admin specifically mentioned a 24 to 48 hour processing time for withdrawal requests, in reality no one ever waited even close to that. As a rule, all the withdrawals to Payza, PerfectMoney, Payeer, BitCoin, and AdvCash are processed almost instantaneously, i.e. within 5 minutes. I guess the admin simply wants to prevent people from panicking in the future, if similar issues, like the recent one with Payza, arise and make people wait for some time before their withdrawal requests are processed instantly.

On a side note, I guess those who joined either of the program’s investment plans which were discussed in the detailed review of Zinc7 posted here and which include 7% for 22 business days and 110% after 7 calendar days, both available for a minimum deposit of $25, should be very satisfied with profits they should have been received by now. You see, Zinc7 has been listed on MNO since day one and is on the verge of reaching ten weeks online in just a few days. The program has managed to develop and grow gradually with the admin’s professional approach towards to careful promotion and adding new features as the time goes making Zinc7 more appealing to a wider audience.

Just earlier today in another quite extensive update posted on the Zinc7 website the admin had some more important announcements to make. Among those worth your attention is the translation of the website into more languages totaling five now with five more coming soon, the launch of the Feedback page combining links to important reviews and testimonials in one place, the opening of the program’s own Facebook and Twitter accounts, and highlights the brand-new representatives program with higher referral commissions available to applicants who meet the correct requirements. All of these and more latest exciting news from Zinc7 is discussed in more detail in the following newsletter below:

RECENT UPDATES AND IMPROVEMENTS
Hello dear Zinc7 Platform members. Over the past few weeks, committed working in a pipeline with many upgrades and innovations at Zinc7 along with many fixtures of issues that arrived in between of this process.
Let us start with what we promised at our previous News, i.e Localization (Multilingual) website, and it’s here. We have now 5 languages apart from English (primary) – Russian, Bahasa, Portuguese, Vietnamese & Hindi (India) language at the moment, and soon to follow: Francais, Espanol, Italiano, Deutsch and Chinese.
Feedback Page: Located on the top right corner, we have a section now called “Feedback”. Which consist of our Zinc7 Official Group Chat, Forums & Discussions (All topics), Supporting websites & Video Links (testimonial uploads, website review etc) Feell free to send us your website in order to get an effective support from our users.
Zinc7 Platform is more social now, yes you heard that right. Official Company Facebook page (https://www.facebook.com/Zinc7-1609487966022755/) and Twitter account (https://twitter.com/zinc7cc) for real-time updates and daily post, that will help you to be familiar more at Zinc7. Subscribe and stay in tune with all the important information.
Payments will be nonstop to every user (until there is any requirement of scrutiny for security purpose) and thus, if you can support us by posting your payout proofs and kind words at Forums, Telegram Group & at Social pages such as Facebook & Twitter it would be highly appreciated! Sharing is caring, and thus we will take care of you as well.
Over the past few weeks, we know we have not been enough efficient to provide more information on Representatives and it’s benefit at Zinc7, but we have taken care of that already this time, So what is it all about?
Leaders become GREAT, not because of their POWER, but because of their ability to EMPOWER others and TRUE Leaders don’t create Followers, they create more LEADERS!
Becoming an official representative of Zinc7 investment platform brings you limitless business possibilities. Start now! Build a team of 30 active (with an active deposit) investors and get your representative 10% Affiliate program at first level! If you realize that you are easily qualified for this, simply leave us an email in support page and our team will take care of the rest.
One more thing, Support tickets or payments both will be addressed only at business days, that is Monday to Friday. Well, now its a quite big informative and long update shared with you all, won’t take much of your time. Enjoy your upcoming weekend!
Zinc7 Team, Confidence Built By Essentials, LLC.


RAZZLETON – IPHONE WINNERS IN DONALD TRUMP LOTTERY NAMED

If you remember last time I reported the launch of the so-called Donald Trump lottery where everyone with a $200 active deposit in Razzleton was able to participate. And today not one, but three iPhone7’s were up for grabs as the admin reported earlier. The three devices have already found their lucky owners by the time of writing, as the lottery has been held as scheduled. More on that please read in the latest news from Razzleton below:

Win three iPhone 7 instead of one. More prizes and tickets now!
Great news for those who haven’t booked their tickets to participate in iPhone 7 lottery! 100 tickets were reserved during less than 24 hours, so we have increased the number of tickets and prizes. Additional 200 tickets, one iPhone 7 for every 100 tickets, are already available for new participants. So, this Friday we’ll give away three smartphones instead of one!
Razzleton HealthCare is grateful to you for your interest and is preparing new surprises for you. Don’t miss a chance to try your luck! Enter our iPhone 7 lottery!

Winners of three iPhone from Donald Trump already known!
Identification of the winners was realized by summing the temperature in randomly selected cities. For each of the three lottery stages different cities were chosen, the weather in which determined the names of new owners of three Apple iPhone 7. The winners are:
Singapore + Athens + Manila + Dubai + Miami = 377, kostraleksandr
Sydney + Cairo + Rome + Amsterdam + WA = 305, edidiongg
London + Jerusalem + Beijing + Moscow + Tokyo = 239, paul77425
Razzleton HealthCare congratulates the winners and thanks all the lottery participants! We keep on preparing new surprises, which you will soon learn about.
Stay tuned! A lot of exciting events are still ahead!

If you haven’t read my full review of Razzleton posted here I’ll remind you that the program offers a wide array of investment plans which can be joined via an impressively long list of payment methods including Neteller, PerfectMoney, Payeer, BitCoin, AdvCash, NixMoney, YandexMoney, and Qiwi. The minimum to invest generally starts from only $10 and all the offers can be easily split into two distinctive categories – paying every calendar day and returning the original principal on expiry – 2.1% for 15 days, 2.3% for 30 days, 2.9% for 55 days – and those paying once on expiry of a certain term and counted in business days – 150% after 15 business days, 500% after 20 business days, 300% after 30 business days, 1500% after 40 business days, 1000% after 60 business days, 5000% after 90 business days. Despite Razzleton claims to be running since December 2015 in fact it’s been recently re-designed completely, so it cannot be considered to be too old to still make a profit from. As Razzleton has been listed on MNO for only a week it’s too early to judge the performance, but I believe the active position taken by the admin who currently expands by advertising his program on various different programs and adding more payment options and exciting contests might play a crucial role in the further development the program which will hopefully be a positive and profitable experience for my readers.


EDELWEISS5 – REPRESENTATIVE OFFICE IN PSKOV OPEN

Despite being listed on MNO for almost three months I doubt any of you have reached the profit zone from Edelweiss5 yet. How is that possible, you might ask? Well, unlike many other programs online Edelweiss5 offers a very moderate return on investments which doesn’t exceed 1% on business days and is fixed at 0.5% on weekends. You do the math yourselves how long it will take you to start profiting from Edelweiss5, but those who joined early enough should still be close to the break-even point and getting closer with every passing day. What many investors would love about Edelweiss5 though is that you don’t need to request your withdrawals at all. Your daily interest is paid out automatically and at the same time by the custom-made script the program is using to the same e-currency account you joined with, be it PerfectMoney, Payeer, YandexMoney, Qiwi, BitCoin, or AdvCash (Edelweiss5 also takes Bank wires, by the way). The minimum to invest in the program is quite sizeable by the HYIP standards at $50, but I guess since Edelweiss5 tries its best to cater most to the offline investors, rather than limit themselves in the relatively tight HYIP world. The main unique feature of Edelweiss5 therefore, in my humble opinion, is the ability to go to one of their offices and make an investment contract with one of their representatives. The ability to provide investors with actual physical offices and real people working there is something new, you probably agree. Over the first months online Edelweiss5 has been tirelessly expanding their presence by opening offices and holding presentations in various cities and countries. Being especially popular in Ukraine, only in that country Edelweiss5 has opened several offices already while I guess now is the turn of Russia. In the latest update posted on the website the admin of Edelweiss5 (interviewed here) posted the address and phone number of the office recently opened in Pskov, so if you reside in that ancient city you may as well visit someone working there and see for yourself what it’s all about. For those who don’t have this opportunity, don’t fret. Simply read my detailed review of Edelweiss5 posted here for all the information you might need to know before investing:

Representative in Pskov
Dear friends! Occurred event, which have been waiting for us, and our many clients from Russia. We opened our first office in one of the main historical pearls of Russia – Pskov, a city that borders both with three foreign countries – Estonia, Latvia and Belarus. We invite everyone to visit our office where our staff will be happy to answer all your questions and help you in all matters. We are waiting for you at Pskov, st. Jan Fabricius 25. Tel. representation number: +7 (90) 622-205-65
”.


PAYZA – ADVANTAGES OF USING MASS PAY

As you could be sure many times already the availability of Payza payment processor in a HYIP almost always guarantees a good run, like we saw with the examples of such success stories as Zinc7 (reviewed here), BandeiraCorp (reviewed here), TrueBit (reviewed here), and Magnum (reviewed here). And if you noticed that too I can tell you with a great level of certainty it’s not a coincidence. You see, verification of a business account in Payza which is required for accepting money from investors in automated mode is not an easy thing to do. There’s lots of sweat and tears required from professional HYIP admins to achieve this goal, but at the end it might all be worth it. Experienced investors usually watch such programs more closely than others and make conclusions that it might be worth it to include a program accepting Payza in his portfolio, and perhaps even on a larger scale. Yet, Payza is very easy to use for HYIP investors, funded directly from bank accounts and credit cards, and withdraw to BitCoin, pre-paid cards and many other available convenient options bypassing expensive third-party exchangers completely. I’m not even talking about the chance to file a dispute in case of fast scam, which for Payza accepting HYIPs happens very rarely. Sometimes Payza can give such admins a hard time even when still running, but, like in the recent case with Zinc7, everything was eventually fixed and is working again. Many programs accepting Payza from their members do opt-in for instantly processed deposits and withdrawals, but sometimes they tend to use the so-called Mass Pay feature as well. Exactly that feature was the subject of one of the last posts on the Payza official blog which you can find below if interested:

It’s Easy To Manage Payouts To Your Affiliates With Our Mass Pay Feature
Practical, fast, and free: Mass Pay is the best tool to manage your payouts.
Making manual payouts to hundreds or even thousands of affiliates can be a harrowing ordeal for program managers. Without the right tools, overseeing and recording the transfer of payments to affiliates can be an error-prone and time-consuming administrative burden.
For these reasons, Payza developed the e-commerce payment tool, Mass Pay, which lets you pay all of your affiliates with just a few clicks.
Best of all, this payment tool is available for free to all Payza Business Account holders. Our system can process your payouts 24 hours a day, 365 days a year. Payza will send your payments instantly and securely to your affiliates’ Payza e-wallets with minimal transaction fees.
Mass Pay avoids the need for complex bank transfers and processing delays common with most bank transactions. What’s not to love?
Two versions of Mass Pay to suit your needs: in-account and API
We offer two practical versions of our Mass Pay feature. The in-account version is a standard component of your Business Account’s “Send Funds” features. In your Payza account, all you need to do is upload a CSV file with your affiliate information and payment details (namely, the email addresses associated with their Payza accounts and the respective payment amounts). Once the details have been uploaded, just click Send and we will transfer your payments directly from your e-wallet.
The MassPay API is practical for busy business owners on the go who have a little bit of programming knowledge or programming help at the ready. This feature has a simple interface and allows you to send payouts to your customer affiliates instantly, without the need to log in to your Payza Business Account. Setting up the MassPay API will require coding skills, meaning you will need the assistance of a developer if coding is not your forte.
We safeguard all Mass Pay payouts with a password-protected login and can restrict your Mass Pay transactions to IP addresses you authorize for extra security. Rest assured, these safeguards ensure you have full control over your payouts.
Resources to set up your Mass Pay API
You can get your MassPay API up and running in no time by following the instructions in our Merchant Setup Guide. You will find all the required coding information in this section of our developer’s resource center.
Remember, our customer support advisors are happy to assist you if you encounter difficulties making our Mass Pay system work best for your business. You can now get the help you need right inside your Payza account!


GET PAID REPORT FOR 18/11/2016

Here is the list of the programs from my monitor that paid me for the last 48 hours:
From MNO Sticky list: –
From MNO Premium list: Zinc7, Capitaller, TrueBitArdexFundsBandeiraCorp, SoftmeetBitEdelweiss5, RightRiseBeyondPetroleumYiwuWorldRazzleton.
From MNO Standard list: PalUnionMagnum.
From MNO Basic list: EarnTechHYIP-A, XaboDowerly, BigVenture5, Palmills.

That’s all the news for tonight, guys. Hope you enjoy reading MNO regularly and have been rewarded with nice profits from the top-notch HYIPs advertised and listed on my monitor. Of course you should still be selective and cherry-pick the best options for yourselves that you feel you can profit from, but overall I’m quite satisfied with the great choice of programs seen on MNO this autumn. The hot HYIP season continues and my blog will have a detailed look at Mexeer next along with the daily news from the HYIP industry and its best programs. Meanwhile, remember to vote in the new poll recently added to the MNO TalkBack asking your attitude towards hourly paying programs. So far the feedback has been mixed, but there is still time to submit your votes, if you haven’t done so yet, as the final results will be drawn sometime next week. Meanwhile, this business week comes to an end and I would like to wish you a good weekend, and of course more profits from the best investment programs. Stay with MNO for more in-depth analysis of high budget HYIPs and make sure you subscribe to the daily news to be delivered to your email address here, follow me on Facebook and Twitter, and contact me with any questions regarding the monitored on MNO programs and the HYIP industry in general here. I will be enjoying my time in St. Lucia, but will always update my monitor in real-time, so keep an eye open for possible new additions too, and will be back with the latest from the greatest on Monday. See you all then, guys!

Filed under Daily News, Reviews by on . Comment#

PE Recent Posts

Made with an easy to customize WordPress theme • skin by