21/02/2015. UnitedMicroCredit Review and Daily News from the HYIP Industry

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

Hello everybody! I hope you’ve all been having a good weekend so far. Before the day’s main news stories I want to take a closer look at a long term HYI program called UnitedMicroCredit which has just joined the MNO Premium List. By no means a new program in itself by the way, this one has been online and successfully paying its members for a little over three months now. In fact it’s first cycle is about to expire very shortly which means the first members are also due to get their principals returned as I shall explain in the investment plans below. I don’t know what you all think about joining such programs at this stage of the game particularly in the current industry climate, but that much is up to you. I’ll just describe the facts around UnitedMicroCredit as best I can and you can decide if you think it’s a suitable addition to your portfolios or not. The track record for what it’s worth has undeniably been good up until now, but we’ll wait and see how much further this can carry the program.

We’ll begin as ever with the investment plans then, and to keep things simple I guess you could say that UnitedMicroCredit basically just has one plan which is broken into four sub-sections paying higher interest to bigger investors. It is, as I just said above, a long term HYIP with all deposits lasting for a rather unusual length term of 78 business days. That’s around fifteen and a half weeks, three and a half months, or to put it another way about how long UnitedMicroCredit has currently been online.

So, it will cost you a $10 minimum to join, and that much gets you into what UnitedMicroCredit call The Basic Package. The term as I said is 78 business days, during which members get a 2% interest payment every day from Monday to Friday. On expiry the cumulative value of these payments comes to 156% of your total investment, at which point your principal should then be returned in a separate transaction. So that’s a 256% return, from which 100% is yours and 156% net profit.

To take a monetary example then, let’s say you spent $100 here. UnitedMicroCredit offer a daily payment of $2 every day from Monday to Friday until you reach $156. At that point your initial hundred is returned, however you should already have reached the break even point 50 business days (ten weeks) into the term. Maximum spend is $999.

That’s pretty much how things continue, with the exception that higher rates are offered to bigger spenders. But the basics are all the same – 78 business days with principal back on expiry. Rates include 2.5% per day for The Standard Package which is for amounts between $1,000 and $4,999. The Professional Package offer 3% per business day for deposits of $5,000 to $24,999. And lastly The Business Package offers 3.5% per business day for anything above that to a maximum value of $500,000.

If any of that appeals to you, then something else you might like is the list of payment options. UnitedMicroCredit has pretty much everything you can think of that serves the online HYIP industry, plus a couple of others thrown in for good measure you may not even have heard of or normally associate with HYIPs. Some of the payment processors are accepted in automated mode, and these include PerfectMoney, Payeer, OkPay, and a lesser known option called AsMoney which I can’t say I remember seeing before. EgoPay, now utterly useless as we all know, is also included. Personally I don’t see the reason for any program to continue using them, but then again the thing is that UnitedMicroCredit already had them before it became a scam and now for what ever reason (I can’t figure it out anyway) some investors just seem to keep playing with it. Other payment methods are accepted manually, so you will need to send funds directly to them yourself when making a deposit. This is also a decent enough list which includes direct Bank wires, Neteller, Skrill, BitCoin, Payza, Western Union, and even Credit Cards. One major contradiction on the UnitedMicroCredit website however is the claim that payouts to members are instant. Granted I’ve only been monitoring the program a very short time from their three months online but I’ve still been doing it long enough to tell you that I have never once received an instant payout myself. Best in this case to allow 12 hours for a manual transaction (as suggested on the website) before raising any support tickets.

Moving on now to the more technical aspects of UnitedMicroCredit, everything seems to be up to quite an acceptable if somewhat average and unremarkable HYIP industry standard. The program is running off a licensed GoldCoders script which will give it a familiar, easy-to-navigate feel for most investors. There’s also a decent extra feature (even if it is something investors should be entitled to expect as a minimum anyway) in the form of a verified SSL Green Bar certificate from Comodo to give enhanced security on browsing and transactions. Hosting for UnitedMicroCredit is taken care of by a dedicated server from DDoSGuard with protection from malicious DDoS attacks. There’s also a built-in online auto-translation tool for non English speaking readers to convert the UnitedMicroCredit website into other languages. These things are of course rarely even approaching accurate, but it’s a good starting point that will still at least give the most basic idea of what the program is about.

If you have any further questions for the UnitedMicroCredit admin that you think might not have been explained here or any account related issues you need to have dealt with then there’s a couple of communication channels open to you. You can start by filling in your details on the online customer support form and submitting it via the help page. If you prefer to write directly, UnitedMicroCredit have a list of different e-mail addresses, each one reserved for different topics, you can try as well. A postal address is included which is located in the UK, though from experience I’d say that’s something you can safely ignore as a virtual hosted office. It is however accompanied by a telephone number, so feel free to call if you actually think someone will answer. The UnitedMicroCredit website has a built-in Live Chat widget, though I can’t really comment properly on this yet. I’ve only been monitoring the program a very short time myself but have never seen it online in the last couple of days so I can’t say what, if any, work schedule is kept there. You’ll find a (very short) list of regional representatives, that is regular investors acting as customer support agents in return for a higher ref commission rate, so if you see a name in your area you are welcome to contact them too. A Facebook profile is available for fans of social networking sites, very disappointingly though in over three months online there’s been minimal, barely any at all, activity or information there.

That last point reminds me again that despite the three months online, the UnitedMicroCredit website still has a sight unfinished feel to it. Contradictory information for example, such as what I already mentioned above about “instant payouts” not really being instant at all isn’t going to help the program win over a great deal more fans than it already has. Still, I guess opinion on the importance of this will be somewhat divided with some of you thinking only the undisputed payments record is all that really matters, and some of you wondering how the admin will be able to grow the program in the future and attract any more investors than have already joined. How you proceed is entirely up to you, for the record I’ll just tell you that UnitedMicroCredit make the claim that they are involved with “investing capital into international micro-credit operations” (whatever that means!), and no further explanation or information is offered. Not that I suggest you go looking too closely for something not likely to be there in the first place. UnitedMicroCredit, as with any other online HYIP, is only to be treated as a form of high risk gambling. There’s a chance you might make a little money (as indeed some people already have) and there’s a chance you are going to lose money. Not knowing in advance which side you will be on is of course the nature of the gamble, but I always suggest you be careful. That means if you do join then only ever stay well within spending limits that you can comfortably afford to lose, and if you do decide to join UnitedMicroCredit at all then try to keep them as a smaller part of a wider more diverse portfolio.

DAILY NEWS FROM THE HYIP INDUSTRY

MOOREFUND – PAYZA ACCEPTED OR NOT YET?

Some good news was sent last night by MooreFund. You remember from reading the review of the program posted here that the admin promised to make an extra effort to verify his account with Payza so as to allow members to invest inthe program starting from $15 with deposits added automatically rather than the $500 minimum required when the account was to be credited manually? I must say I was pleased with how fast he honored that pledge and announced in the last newsletter that those who wish to invest via Payza can do so now with deposits credited instantly. Well, that’s what i thought until I received a follow-up email from MooreFund tonight that only promised to add Payza within the next couple of days. In a personal conversation with the admin I found out that Payza was indeed accepted in automated mode for some time, before being disrupted by them asking for additional verification of the program’s corporate documents. This was enough to delay the acceptance of Payza in automated mode once again for possibly another 24 hours.

The advantages of using Payza when investing in HYIPs are numerous and they have all been discussed on MNO many times already. The admin of MooreFund Rob also featured some of those advantages which you can read about in the first newsletter from yesterday and the second newsletter from tonight which I’m going to re-post below. The rest of the newsletters is a pretty straightforward marketing stunt quoting over 63 thousand members (more than population of some cities, lol) last night and already over 69 thousand tonight, but is also filled with some more useful reminders about the payment options and instant withdrawals processed by MooreFund in most cases. The huge choice of payment processors including both standard options for HYIPs like PerfectMoney, Payeer, EgoPay, BitCoin, and very rare and welcome additions like SolidTrustPay, Payza, Neteller, Skrill, OkPay, and even PayPal is what makes MooreFund stand alonein the industry now. I was mostly surprised by the acceptance by SolidTrustPay by MooreFund in automated mode which again proves that the admins’ excuses that it’s impossible to use them anymore are just that – excuses. I already see that many referrals of mine opted to join MooreFund via SolidTrustPay, and I’m sure many more will join when the program is officially approved by Payza – an option which has been gaining popularity for quite some time already. The program is really unique that way and if you have’t read my review yet, you can do so here. I’ll just briefly remind you that MooreFund has two investment plans – 1.5% for 60 days, and 2.2%-3% for 365 days – with optional early withdrawal of principal up to 60 days for a fee and charging a 3% fee on all interest withdrawals. I almost forgot, there’s a $5 PerfectMoney cash deposit bonus credited to your account on sign-up and available for immediate withdrawal after you make a deposit of at least $15 into MooreFund. Please read the latest news from the program below:

“Good News! Payza added, Credit cards support, Auto withdraws/deposits!
We have added Payza Payment processor and You can add as minimum as $15 with Payza.
Payza can be loaded with Credit Cards ( VISA/MasterCard ). So It means you can deposit to your Favourite investment Program with Credit Cards as well.
All Payza transactions (deposits/withdraws) are automatic and instant process.
All Payza transactions (deposits/withdraws) are automatic and instant process.
Payza is secured and feature enriched such as Bank withdrawals, Credit card funding, Local payments, 21 currencies etc.
Today is the 20th day of “MooreFund” company.
And we have already become the largest investment program available online:
-1) More than 63,800 members has already joined MooreFund and thousands are joining everyday! – 18,700 active investors and 1600 active affiliate advertisers.
-2) We accept 17 major PP including Perfect Money, SolidtrustPay, Paypal, Payza, Neteller, Skrill etc. – Credit cards payment can be made through PayPal, SolidtrustPay, Neteller and Payza. – Automatic/Instant deposit and withdraw in major payment processors.
-3) There is no Minimum withdrawal. You can withdraw any amount.
-4) Compounding is available.- Compounding can be changed anytime.
-5) Withdraw Principal anytime.
We are registered with Company House, England and verified by Worlds most popular security insurance company like Symentec-Norton (veriSign), Comodo and TRUSTe. MOORE PROPERTY INVESTMENT CO LIMITED holds a website identity assurance warranty of $1,750,000. This means that you are insured for up to $1,750,000 when relying on the information provided by IdAuthority on this site. US Patent Number 7,603,699.
Thanks, Rob Moore
Moore Fund Property Investment Co Ltd“.

“News about Payza!
We are working closely with Payza to get fully approved within next 24 hours. It means, You can start depositing with Payza very soon!
Payza can be loaded with Credit Cards ( VISA/MasterCard ). So It means you can deposit to your Favourite investment Program with Credit Cards as well.
All Payza transactions ( deposits/withdraws) are automatic and instant process.
Payza is secured and feature enriched such as Bank withdrawals, Credit card funding, Local payments, 21 currencies etc.
Today is the 21th day of “MooreFund” company.
And we have already become the largest investment program available online:
– 1) More than 69,800 members has already joined MooreFund and thousands are joining everyday! – 20,400 active investors and 1710 active affiliate advertisers.
– 2) We accept 17 major PP including Perfect Money, SolidtrustPay, Paypal, Payza, Neteller, Skrill etc. – Credit cards payment can be made through PayPal, SolidtrustPay, Neteller and Payza. – Automatic/Instant deposit and withdraw in major payment processors.
– 3) There is no Minimum withdrawal. You can withdraw any amount.
– 4) Compounding is available. – Compounding can be changed anytime.
-5) Withdraw Principal anytime.We are registered with Company House, England and verified by Worlds most popular security insurance company like Symentec-Norton (veriSign), Comodo and TRUSTe. MOORE PROPERTY INVESTMENT CO LIMITED holds a website identity assurance warranty of $1,750,000. This means that you are insured for up to $1,750,000 when relying on the information provided by IdAuthority on this site. US Patent Number 7,603,699.
Thanks, Rob Moore
Moore Fund Property Investment Co Ltd“.

COMPASSBUSINESS – REINVEST FROM INTERNAL BALANCE AVAILABLE

I’m no fan auto-translated English texts myself, but from what I could gather from the latest bulletin from CompassBusiness (reviewed here) it seems you may now make a re-investment from your account balance. As CompassBusiness has been working and paying for over 15(!) months now, for me it’s been a surprise why this option hadn’t been implemented earlier. Anyway, here’s the update on that:

“Completion of the internal balance in the project
For the convenience of users, has been implemented a chance to recharge the internal balance in the project.
C SW. Nicholas, a fund manager CompassBusiness“.

CompassBusiness is not a widely popular program despite its long term online, and I believe it has a lot to do with the very limited choice of payment processors. After the EgoPay scam the program was left with just PerfectMoney and NixMoney for funding of your account. Therefore CompassBusiness has only one appealing plan for smaller investors starting from a $10 minimum – paying 0.8% for 30 business days (six weeks) with principal returned on expiry and a net profit of 24% earned over a period of 42 days. With such low returns it’s no wonder that CompassBusiness managed to live so long and, perhaps, it really has some a source of income to fund the returns (who knows!), but I would still advise to treat it as a regular HYIP with both advantages and disadvantages that go with that. Only invest what you can afford to lose and definitely think twice before daring to invest the $1,000 requirement for the 1.9% for 110 business day plan (with the principal already included in earnings and effectively doubling your investment by the end of the term). Other plans not recommended include 0.9% for 50 business days ($1,000 minimum), 1% for 70 business days ($5,000 minimum), and 1.1% for 90 business days (with the whopping $50,000 minimum to invest), all with principal promised back on expiry.

GET PAID REPORT FOR 21/02/2015

Here is the list of the programs from my monitor that paid me for the last 60 hours:
From MNO Sticky list: –
From MNO Premium list: CryptoStrategy, Rockfeller, BITC1, Silveks, BTPerfex, RollNRich, AtrexTrade, MooreFund, UnitedMicroCredit (the first payments received).
From MNO Standard list: CompassBusiness, HashCoin.
From MNO Basic list: ForexShare, OgdenOrganization.

That’s about it for tonight, guys. To finish I just to remind you that the poll on the MNO TalkBack page asking what you think about the industry so far in February will be open for a couple of more days with the results to be drawn at the start of the next business week. I would also like to see you all the on the new MNO ShoutBox where you can share your opinions on the monitored programs and the general state of the industry. You don’t need to ask approval to create a new account, so do yourself a favor and join the discussion! I’ll be back with all the news stories from the industry early next week, so don’t miss the latest updates from MNO and bookmark my site for easier access. You can also subscribe to my daily news by using the form on the top of my blog and follow MNO on Facebook and Twitter! See you soon on the most popular blog and monitor for elite programs only – Money-News-Online, soon to be eight years old!