Hi all, and welcome again to the MNO blog. Despite only two weeks passing since the last article on the Top Five Popular Programs on MNO (click here to see that one), the predictable collapse of Capitaller which is currently only paying to daily paying plans (more on this in the news section) and its subsequent departure from the list prompted me to update the article to reflect how things stand on my monitor today. I’m not going to lie to you, as December is usually seen as a dangerous month for the HYIP industry due to so many fast scams and investors looking for fast money to buy gifts. After all, that’s why so many main street retailers use this opportunity to sell you anything accumulated over the previous eleven months of the year that they can’t get rid of. I still hope this December won’t be as bad as other years, as I think a lot more investors are waking up to how things operate in this industry now. I mean even by reading this article you proved to be sticking with MNO which means you are very selective when it comes to investing. The vast majority of my readers have five or less programs in their portfolios (according to the latest poll results coming in the news section) so I believe you will enjoy the current Top Five Popular Programs on MNO list. Remember that all current ranks are valid only on the day of writing, can change from one day to the next, so please always refer to my monitor for the most accurate and up to date rankings.

I hope that after looking over the most popular programs on MNO as they stand right now (the rank is determined by the combined percentage of my own profit and referral commissions) you make the right choices and see a good profit. After all, that’s what MNO is here for – to help you succeed by introducing the biggest and best investment opportunities. So, let’s have a closer look at the hottest programs of the winter so far shall we?

#1 –  Zinc7 (click here to read the full review) No Change
Total return – 708.92%.
Type of listing – Premium (#1 rank).
Current status on the MNO monitor – Paying for 86 days
Investment plans (recommended plan marked in bold) – 7% for 30 days (interest credited on business days only), 110% after 7 days.
Payment processors accepted: PerfectMoney, Payza, Payeer, BitCoin, AdvCash.
What you need to know: 
Although withdrawals are promised within 48 business hours, in reality I’ve never waited much longer than five minutes for a payment so I assume they are automated rather than manual. Don’t take it for granted though, this might change at any time as the withdrawal rules are clearly stated on the website. Remember that on the daily paying plan you will have your account credited on every business day (Monday to Friday), but the full investment term is counted in calendar days, just like the second on expiry paying plan – refer to my review for more details.
Why you might want to invest:
Zinc7 continues its reign over the HYIP industry and approaching three months of stable uninterrupted payments it’s on its way to becoming the best program of the year. It’s certainly surpassed the previous achievements of HYIPs with similar investment plans that were never able to last so long. That inspired a level of confidence in the admin, who knows how to sustain payouts to members while at the same time attract new members coming to Zinc7 from less developed programs.  The admin does his best to improve the website, with the recent translations into different languages serving as a good example. Word of mouth is keeping Zinc7 on top of many HYIP blogs and monitors. I hope the admin continues what he’s doing and members enjoy their profits for months to come!

#2 – TrueBit (click here to read the full review) Up One Place
Total return – 403.81%.
Type of listing – Premium (#2 rank).
Current status on the MNO monitor – Problem!
Investment plans (recommended plan marked in bold) – 2.4%-4% daily forever, principal back anytime after 5 days.
Payment processors accepted: PerfectMoney, Payza, Payeer, BitCoin, AdvCash, OkPay, Neteller, Skrill.
What you need to know:
Withdrawals are usually processed within 24 hours, however, in most cases it just takes a few hours to be paid after you request it. Your daily interest grows from 2.4% to 4% gradually every 20 days in five stages and reaches its maximum on day 81. You may withdraw your principal fully or partially (or add extra money to the same deposit) after a five day lock-in period, but after that your principal is locked for another 5 days. You’re in complete control of your finances and your possible earnings from TrueBit depend only on your own strategy.
Why you might want to invest:
More than six weeks of stable payments to MNO readers deserves some applause, especially given the fact that TrueBit has become more flexible now which is a good thing for investors. The lock-in period has been reduced from twenty to five days and there was another feature added that allows you to make a partial withdrawal from the same deposit and add additional funds without losing your growing daily interest. More payment options are always welcome and the recent addition of Neteller and Skrill plus fast payouts processed within a few hours should go a long way to improving the program’s chances this month. Anyway, I see that investors really love TrueBit and consistently support it which might allow them to grow even further and run into2017.

#3 – ArdexFunds (click here to read the full review) Up One Place
Total return – 253.93%.
Type of listing – Premium (#3 rank).
Current status on the MNO monitor – Paying for 371 days
Investment plans (recommended plan marked in bold) – variable returns for 15-230 business days, principal back.
Payment processors accepted: PerfectMoney, Payeer, BitCoin, RedoPay.
What you need to know:
Withdrawals are usually processed instantly to all payment processors (if for some reason they go to pending status please allow 16 hours to be paid manually). Profits are accrued to your account Tuesday to Saturday for the previous trading day with the exception of the extra bank holidays announced on the site. Remember to switch off the compounding rate for your deposit in order to be able to make daily withdrawals.
Why you might want to invest:
With ArdexFunds I’m not that sure if the program will survive the coming festive season and whether or not it will be able to continue into 2017. You see, with this particular admin you cannot really say definitively that he has any ambition to go beyond a twelve month life cycle. Anyway, I would suggest to be very cautious with ArdexFunds at the moment and invest only very small amounts and for the shorter periods of time to make profits before the winter holidays. From previous experience in programs like this they tend to take way too many days off over the holidays. Besides, they could lower down the daily interest even further and you won’t be paid as much as you hoped. Whatever is going to happen ArdexFunds might be considered too old to invest in now and many would take a wiser approach to hold off from investing during this possibly dangerous period for the program’s financial state.

#4 – BandeiraCorp (click here to read the full review) Up one place
Total return – 204.11%.
Type of listing – Premium (#4 rank).
Current status on the MNO monitor – Paying for 269 days
Investment plans (recommended plan marked in bold) – 1% to 4% variable daily until you reach 150% on your investment.
Payment processors accepted: PerfectMoney, Payza, Neteller, Payeer, BitCoin, AdvCash.
What you need to know:
Withdrawals are processed manually within a 48 hour maximum. Note that 1% is the guaranteed daily minimum you will get on your investment, while the maximum is determined by the size of your deposit – refer to the review on MNO for more details.
Why you might want to invest:
After nine months of stable payments and Premium Listing on MNO BandeiraCorp is still doing well. No major hassles and is paying investors, many of whom finished a couple of 150% investment cycles. I would say that the program managed to surprise me with its lifetime and the investment plan which seems to be promising long-term returns proved to be viable and sustainable. Of course, the major test BandeiraCorp will have to stand is surviving the festive season. Reaching 2017 will be the admin’s ultimate goal and an amazing achievement in itself if it happens.

#5 –  Razzleton (click here to read the full review) New Entry
Total return – 167.84%.
Type of listing – Premium (#5 rank).
Current status on the MNO monitor – Paying for 25 days
Investment plans (recommended plan marked in bold) – 2.1% for 15 days, 2.3% for 30 days, 2.9% for 55 days (principal back), 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.
Payment processors accepted: PerfectMoney, Payeer, BitCoin, AdvCash, NixMoney, YandexMoney, Qiwi, Neteller.
What you need to know:
Withdrawals are processed within 48 hours. Note that the daily paying plans are counted in calendar days, while for the payment on expiry plans the term is in business days. I would personally not recommend investing in anything exceptdaily paying plans in Razzleton due to increased risk.
Why you might want to invest:
Although the admin of Razzleton seems to have done everything possible to create the illusion of a long-term payment record, officially the program has been for nearly a year, don’t be misled. Only  a few weeks ago the layout and the investment plans changed and Razzleton reorganized the website completely, as you can see now in its current form. Whether you like it or not, please note that we’re dealing with the former “sleeper” here, and although the program has been extremely popular for the last couple of months and MNO readers seem to love it, remember that things can go either way here in the wake of the festive season. That’s why I suggest spending reasonable amounts only in the shorter daily plans and see how things go there first.

That was the Top Five Popular Programs on MNO. Now I’d like to ask your opinion on your own favorite from the list. Please take a few seconds of your time to vote in the below poll, while you can also see what your fellow investors think by clicking the Results tab.

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DAILY NEWS FROM THE HYIP INDUSTRY

RIGHTRISE – YANDEXMONEY ADDED

It’s only a matter of time before RightRise claims a spot in the Top Five Popular Programs on MNO as well, because it’s clear the program’s admin is pretty ambitious and is working hard in order to maintain constant interest in the program and gradually building it up. The latest improvement was in taking more payment options, something that will make RightRise more appealing, particularly to Russian speaking investors, as YandexMoney is one of the most popular systems there. I’m not sure if it will bring more clients from non-Russian residents, but it’s surely appreciated and is in line with the recent Russian language translation of the RightRise website. Here’s the latest update from RightRise on this:

“Yandex.Money
Today was planned to connect the most popular payment system in the Russian Federation (according to research by TNS Russia in 2014). Meet!
Yandex.Money
Purchase of equipment shares as always at the rate to the US dollar.”

Apart from YandexMoney, you can join RightRise using quite a few other payment processors including both traditional methods like PerfectMoney, Payeer, AdvCash, NixMoney, and its more modern digital counterparts as BitCoin, LiteCoin, and DogeCoin. In order to start earning with RightRise you have to buy at least one share, priced at $30 each, and bringing 1% to 3% daily return for an unlimited period of time which can be further enhanced by a system of so-called boosters. You can always read more on the investment plans and other main features in the review of RightRise here.

TRUEBIT – MORE PAYMENT PROCESSORS TO CHOOSE FROM

I already talked about TrueBit in the Top Five article above, so without any further introduction I would like to congratulate their investors on yet another significant improvement recently implemented by the program’s admin Leo. I’m talking about the addition of two payment processors popular in Europe Neteller and Skrill. As with other programs using it, however, TrueBit (reviewed here) will be handling both deposits and withdrawals manually. So be patient and be prepared to wait for about six hours before you see your deposit credited to your TrueBit account and start earning on its 2.4%-4% daily forever plan. As with other payment processors accepted by TrueBit (PerfectMoney, Payza, Payeer, BitCoin, AdvCash, and OkPay) the minimum to invest in TrueBit starts from $10 and you will have to wait for five days at least before being able to withdraw your initial investment. However, due to these processors rules and internal regulations the withdrawal minimum is set at a much higher (compared to others) $5 mark. That is OK though, as with so many people around the world using Skrill and Neteller it will be a perfect investment opportunity to take with TrueBit, while for the program itself which has been paying for over ten weeks now it means more incoming funds to ensure stable and timely payouts for others. Here’s the latest good news from TrueBit:

“Neteller and Skrill added
Good day to all of you!
As part of our continuous development and innovation, we are pleased to inform everyone that we have started to accept Neteller and Skrill as another payment processor to process the payments and deposits on our website. It’s a strong payment systems that a lot of members would like to use. We will process Neteller/ Skrill deposit and withdraw manually. So it may take up to 6 hours to process the deposit or withdrawal operation (usually about 1 hour)
– Minimum deposit for Neteller/ Skrill – $10
– Minimum withdrawal amount is $5
If you have any questions about new payment systems do not hesitate to contact our support department.
Regards, Leo Wilkinson, CEO TrueBit Group Ltd.”

MEXEER – HOW TO BECOME A REPRESENTATIVE

Although the admin of Mexeer still hasn’t found time to answer questions I sent to him for the interview, I can see he doesn’t want to waste time either and makes some small improvements to his site regularly. Among the last things there was a video introduction of the program which you can also see posted on the MNOVision page here and the new feature of program’s representation put on the website after following the suit of many other successful programs that already have it onboard. As everything in Mexeer goes they have put their own twist on it and certain conditions apply if you wish to become a representative. Read more on that below:

“Introducing Update! The Representatives section!
Welcome and congratulations on the opening of the long-awaited section of Representatives!
From that moment on everyone who is willing to develop Mexeer platform can apply to become a representative of the company and begin the development of their structure with more interesting offers.
Becoming a representative of the company, you will receive:
– The status of “Privileged”;
– Your contacts on the site;
– Additional referrals from the company;
– Access to leadership chats;
– The budget from the company on the development of the project.
To do this, you need to apply on a page “Contacts / Representatives”
Become Mexeer team member today!”

If you haven’t read the full review of Mexeer posted here, I’ll remind you they pay 2% for 75 days, 2.3% for 77 days, 2.5% for 80 days on your investment starting from a $10 minimum. But it’s not just a HYIP, it’s also an exchanger with its own currency. In that sense Mexeer is quite a unique program and stands out from the crowd. At the same time it can make things look unnecessarily complicated at times, especially considering that it works with so many payment options including both traditional names like PerfectMoney, Payeer, AdvCash, and the modern digital ones likewise BitCoin, LiteCoin, DogeCoin, PrimeCoin, PeerCoin, DashCoin, and EmerCoin. However, once you actually complete the initial process of setting up your account with Mexeer, understanding how the whole process works, what the fees and exchange rates are, it doesn’t take too much time to figure everything out. I hope that Mexeer is a long-time project and will be successful in future by further developing its unique concept of investing, so different from many others.

CAPITALLER – MOVED TO PROBLEM DUE TO SELECTIVE PAYOUTS! DO NOT INVEST!

I’ve already warned on my blog about the dangers of investing in Capitaller over the last two weeks, actually starting in the previous Top Five Popular Programs article you can find here, even though at the time the program has been paying to everyone and nothing seems to be indicating Capitaller‘s pending demise. However, judging from my many years of experience in the HYIP industry, first as a regular investor, and then as an established monitor I could tell right from the point the admin started adding more shorter and shorter term investment plans promising to pay once on expiry that the end was near. I did try my best to warn readers against investing in such short-term plans, even though nobody complained yet and everybody seems to have been paid fine at the time, but many people just cannot take good advice when it comes to money. Really, even though Capitaller was one of the best paying programs during the autumn season and never missed a payout while making its way to the top of the MNO ratings once, it didn’t mean that the situation would remain the same when it came time for the admin to pay those in the on expiry plans tenfold what they invested. In fact, what the admin of Capitaller did – he used the funds from investors lured into the thinking they can multiple their money by simply waiting for a couple of weeks to pay to those smarter investors who went to the daily paying plans and, while a smaller margin, still managed to walk away with 110% to 180% net profit on their investment with Capitaller over an incredible four months. Alas, where there are winners there will always be losers in the HYIP industry and the situation with Capitaller proves it. If you remember in my last post regarding the program on Saturday I asked of investors to report me immediately if they think that their payouts were delayed. And I couldn’t have to wait for long as earlier yesterday I received a confirmed complaint from my referral in Capitaller who expected her payout to be completed last Friday, yet the admin made her think that it was delayed due to too many payout requests to be processed and promised to pay her on Monday with a little bonus on top for the inconvenience caused. As you might have guessed, nothing happened on Monday, the payout was not processed and the investor has heard nothing from the admin but more excuses. And that came on top of more news from Capitaller of the addition of the new shortest investment plan promising to pay 920% after three business days only. And while I can give credit to the admin’s inventiveness and ability to keep paying 3% to 4% daily profits to those in the program’s daily plans you shouldn’t be an Einstein to realize that no one who invests in the new plan announced on the Capitaller site are going to be paid, so don’t even think of investing at the moment. If you still receive daily payouts to your e-currency accounts from Capitaller, just keep low and enjoy your profits because that won’t last long and payouts will continue for as long as the newbies would pour the money into the unsustainable investment plans, like the newest 920% after 3 business days plan available now for a $425 price tag. By the way, MNO has been the only monitor so far that flagged Capitaller as a scam and moved it to Problem Status. All the others are ignoring the obvious and displaying Paying status for them. Well, draw your own conclusions there and use monitors you can trust next time, if you don’t want to be caught by their false statuses and selective payouts they seem not to be bothered on. The admin of Capitaller has already taken action by removing the MNO logo from the site’s rating page, but for how long he will be able to continue deceiving members into thinking that everything was alright with the program, only time will tell. For now please stay away from Capitaller, guys, as it’s paying selectively!

MNO TALKBACK – POLL RESULTS AND NEW POLL ADDED

I want to finish for today with the MNO TalkBack page opinion poll results, and it’s actually Capitaller that gave me the idea for the next question. I’ll get to that in a moment, but first let’s see what the outcome was from the last question. You may remember (if you voted) that I was asking about the number of programs MNO readers are keeping in their portfolios. The question I think is relevant particularly to this time of year, when as the Christmas holidays dictate that a lot of investors either leave the HYIP industry completely or at least cut back on their spending. Specifically it asked:
“As of today, how many HYIPs do you have an active deposit in?”

It seems the overwhelming majority of you (and I’m really pleased to say this) are being very selective at the moment. Some 74% of you in fact said their portfolios number somewhere between zero and five programs, so it’s good that your not quitting the industry completely, just focusing on the best of the best. That pretty much says it all really, but for the record 6% of you said they are active members of from six to ten programs, while the remaining vote was split down the middle with 10% each going to eleven to twenty programs, and 10% saying they are members of an even higher number of programs than that. Personally I have deposits in 16 programs at the moment, though you should remember that MNO is a commercial business and professional monitor so I can’t really count myself among the votes. Despite me being at the upper end of the scale I still quite approve of most of you keeping things low key for the moment. The HYIP industry is more like a marathon than a 100 meter sprint after all.

So, for the next question (and kinda getting back to Capitaller in a roundabout sort of way) I want to ask about “payment on expiry” plans. In theory I suppose there’s nothing wrong with them per se, many programs have been hugely successful with on expiry plans and put countless investors into profit. It’s just that every now and again (well, regularly enough actually) a total shark comes along like the Capitaller admin who knows damn well how to lure as much money as possible out of unsuspecting or inexperienced investors by using impossibly high on expiry plans as bait. So, if that’s the bait, how often do you bite? What I want to ask today is:
Do you invest in paying once on expiry plans?

Possible answers, which I think are broad enough to include most of you I hope, include the following:

a) I join regularly, as the profit is higher
b) Yes, I do invest in them if they are short term
c) I might join occasionally, but usually I try to avoid them
d) I never join as the risk is too high

Thanks as always in advance to everyone who takes the time, trouble, and interest to vote. The poll as usual will stay open for around a week or so, definitely long enough so that everyone who wants to vote has ample opportunity to do so. Remember that voting is completely anonymous and untraceable, and literally just takes a second. I hope the results will make for some interesting reading, because as I think I made clear I am definitely not of the opinion myself that all on expiry plans are always scams, it’s just that I think we can also agree that the risk is noticeably higher so I’d like to know how many of you are taking it. Thanks for voting!

GET PAID REPORT FOR 06/12/2016

Here is the list of the programs from my monitor that paid me for the last 72 hours:
From MNO Sticky list: –
From MNO Premium list: Zinc7, TrueBit, ArdexFunds, BandeiraCorp, Razzleton, Edelweiss5, SoftmeetBit, RightRise, BeyondPetroleum, Mexeer.
From MNO Standard list: Magnum.
From MNO Basic list: Xabo, HYIP-A, Dowerly, Palmills, Synvestment.

That’s it for today, guys. As the HYIP industry is going quite well in the beginning of December and the listed programs continue to pay nicely, I hope the trend will continue for the rest of the month. I really appreciate you reading the MNO blog, but please do read it attentively as many readers seem to have missed multiple warnings about Capitaller and made the mistake of joining the on expiry plans. That is why it’s very important to choose not only the right program to invest in (after all, Capitaller was a superb choice if you joined at the right time, it lasted for four months) but also which investment plans. That’s why I’m interested in your thoughts on on expiry plans. So, do vote on the MNO TalkBack page, contact me here if you have any questions, learn how the HYIP industry really works on the MNO Info Center page here, and pay special attention at the statuses of the monitored programs here. If you don’t want to miss anything important follow MNO on Facebook and Twitter and subscribe for all articles here to be delivered straight to your mailbox. Good luck with your investments and I’ll do my best to facilitate it, but you have to do your own part too by being more selective, spending what you can afford to lose, and be aware of the risks. See you on the MNO blog again soon!