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HugMoney.com [Review]

Good day to all of my friends, Currently if we see the statistics, you can see that we are going through a new wave of "paying at expiry" kind of programs. Most of them have shown us terrible performances and very few of them are still paying. Today I am going to introduce such an investment program which is already paying for 49 days at the time of writing this review. The name of the program is "HugMoney.com". If we take 5 days as an term then they have already paid their 9th cycle of payments. So I am having a great hope for this one to sustain for longer time but also have doubt because of their high return. The website is being hosted on a DDos protected dedicated server provided by DDoswiz. The domain name is just registered for one year and will expire on 25th November,2010. Click here to view the complete whois record.

Now lets move to their plans to discuss. HugMoney offers 3 investment plans to the investors. There is a rule which is same for all three plans is that, you will receive the interest + principle back only after the term expires. Their first plan is 5 days plan where you will receive 122% return. That means 22% profit in 5 days, so if we calculate in daily basis then the daily profit is 4.4%. I think 4.4% daily profit is really good but also not so much sustainable as it shows it's ponzi characteristics. The minimum is only $4 and maximum is $2,000. And as per my strategy of Minimizing the loss, I preferred this plan since shorter term comes with lower risk for these kind of plans.

HugMoney also offers two more plans to the investors. Take a look at the chart below for easy understanding,

1st plan :
Term : 5 days
Return : 122%
Minimum to join : $4
Paid at expiry
Principal included.

2nd plan :
Term : 7 days
Return : 135%
Minimum to join : $40
Paid at expiry
Principal included.

3rd plan :
Term : 20 days
Return : 200%
Minimum to join : $100
Paid at expiry
Principal included.

After reviewing those plans I must admit that the returns are high as per terms and it is also very risky for the admin to continue paying because making this large profit is not possible everyday. So I can just wish for them. But also I am seeing that HugMoney is already paying for almost 50 days, so For me it seems to be another HYIP game where you can make some nice profit out of it if your timing is right as early birds are already getting it.

The design of the website is not bad but I found some drawbacks while writing this review. Their FAQ page is normal with no unique content. But while visiting their "About us" page, I got shocked because that page was just empty. Which proves the lack of seriousness of the program and made me feel uncomfortable with the program.

HugMoney is having a nice referral commission structure. They offers 5% referral commission for upto 30 members, 6% commission for upto 30-100 referrals and 7% commission for 100 referrals or more. HugMoney accepts 5 major ecurrencies like, Liberty Reserve, PerfectMoney, AlertPay, StrictPay and SolidTrustPay.

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Disclaimer : The reviews and all the payment proofs is just my opinion and experiences with the actual website, I do not endorse any program i posted here,Please understand the risk and invest at your own risk.

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Xcelsus.org [Review] Low yield Investment program

Hello friends, I hope all of you are doing just good and haven't lost any big money in InvestJoy,which is a recent scam with short term plan. Anyways, these is a part of HYIP Industry. Today, we will discuss about something new and something which is known as LYIP, that means Low Yield Investment Program. In general, LYIP stands for such kind of program who offers less than 5% return in a month. The program is known as Xcelsus.org, it is the first ever LYI program which I am monitoring and I am really impressed with their long term thinking and realistic returns. The website is being hosted on a DDos protected server provided by Dragonara alliance. The domain name is registered for three years and will expire on 11th February,2012. Click here to view the complete whois record.

Lets take a look at the main factor of why it is being called as LYIP, their investment plans. They are currently offering 5 plans to the investors and among those plans I think the most popular plan will be their first plan which is known as "Micro Test Plan". Because this is the only plan where small investors like me comes into scene. It has a minimum deposit of $50 and maximum is $999. Your principle amount will be locked in for 200 business days means one year. You will get upto 4% return after each 20 business days means one month. That means For 200 business days the total profit from this plan will be 40% and total return will be 140% including principle. You will receive payout once in a month for this plan.

Now lets take a look at their 2nd plan, which is know as "Freshman Investor Plan". This plan is for big investors who can afford the minimum amount $1000 to deposit in this plan. But in this plan you will receive the payment after each 100 business days or 6 months and for each 6 month you will receive upto 15% return on your principle amount. The maturity period is 3 years so you will receive total 6 payments before maturity. That means the total profit from this plan is 90% and total return is 190% including principle.

Xcelsus also offer three more plans to the investors, I have added those details in a chart format for easy understanding.
Micro test plan :
Term : 200 business days/one year
Payment after each 20 business days.
Number of payment : 200/20 = 10 payment slab
Upto 4% return for each payment slab
return : 4% x 10 = 40%
minimum deposit : $50
Principal returned : yes

Freshman Investor Plan :
Term : 600 business days/3 years
Payment after each 100 business days/6 months
Number of payment : 600/100 = 6 payment slab
Upto 15% return for each payment slab
return : 15% x 6 = 90%
minimum deposit : $1,000
Principal returned : yes

Junior Investor Plan :
Term : 600 business days/3 years
Payment after each 200 business days/1 year
Number of payment : 600/200 = 3 payment slab
Upto 40% return for each payment slab
return : 40% x 3 = 120%
minimum deposit : $5,000
Principal returned : yes

Senior Investor Plan(A) :
Term : 600 business days/3 years
Payment after each 200 business days/1 year
Number of payment : 600/200 = 3 payment slab
Upto 50% return for each payment slab
return : 50% x 3 = 150%
minimum deposit : $10,000
Principal returned : yes

Senior Investor Plan(B) :
Term : 600 business days/3 years
Payment after each 200 business days/1 year
Number of payment : 600/200 = 3 payment slab
Upto 6% return for each payment slab
return : 60% x 3 = 180%
minimum deposit : $50,000
Principal returned : yes

Xcelsus Investor Plan :
Term : 1000 business days/5 years
Payment after each 200 business days/1 year
Number of payment : 1000/200 = 5 payment slab
Upto 70% return for each payment slab
return : 70% x 5 = 350%
minimum deposit : $100,000
Principal returned : yes

So there are the details of all plans. After reviewing this plan I must admit that the profits are realistic and seems like real world business. So it's very normal to be curious about their investment structure they are using and also about their organization as well. Although I personally don't believe those words on "about us" page, but if you are curious like me then let me tell you that Xcelsus claiming to an 25 year old company and I found these while looking for their investment areas,

1. 20% Forex Market. This is mainly to get a fast leverage.
2. 20% Logistic Solutions, Warehouse Managing Systems, WMS. 40+ projects completed.
3. 20% Beer Micro Brewery, design, installation and managing. 1st PUB installed.
4. Chef/Gourmet schools, franchise. 2 schools working already. Working on 3 & 4.
5. 15% Art production and placement. Very promising.
6. 25% Agriculture Projects:
>Automatic Hydroponics Forage Production, 1st prototype approved. And working.
>Plant for Bio-Diesel production from cellulose, instead of grain.
>Bee Hives.Largest ROI in Agriculture 100% up to 500% a year. And they do the work!

Well, I really wish this details become true as I am having a great hope on Xcelsus as they are the first LYIP I am monitoring. But while doing their whois search I found some details which might make you feel awkward. On their reverse ip I found that Cobextalent.com used to be hosted on the same ip as Xcelsus. But whenever I am trying to open Cobextalent.com, it is redirecting me to Xcelsus website. Well that proves Cobextalent.com is not using this ip anymore and xcelsus is using a dedicated server. But I sent a mail to admin regarding this matter and I received a screenshot from admin, which I am posting here,












I think this screenshot and fast reply from admin made me more confident about the Xcelsus.org. They are having a huge and unique selection of payment processor, Liberty Reserve, PerfectMoney, AlertPay, PayPal, MoneyBookers, Western Union and Bank Transfer. So I just wish to see a good future of Xcelsus in coming days and also ours.

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Disclaimer : The reviews and all the payment proofs is just my opinion and experiences with the actual website, I do not endorse any program i posted here,Please understand the risk and invest at your own risk.

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WaterInvestment.net [Review]

Hello friends, This is Avik and I am back again to introduce a very nice program to you which is called "WaterInvestment". The website is simple yet very professional. At the first look I really liked the website and that made me take a closer look to it. The contents of the home page is original and the scripts they are using seems customized to me as I am not being able to match it up with any other industry-favorite scripts and the good part of the script is it's easy navigation, very easy to understand. The website is being hosted on a DDos protected dedicated server provided by BlackDos, one of the industry best and also with Positive SSL certificate. Their domain name is registered for ten years which is very unique and will expire on 27th December,2019. That's a very serious step I must say. Click here to view complete whois record.

Now lets take a look at their plans, Water Investment offers three weekly plans to the investors and for all three plans, the principle amount will be returned after 20 weeks means 140 calender days. The first plan offers 10% weekly return. You can only withdraw your interest once in a week, only on Monday. The return is really sustainable which is the biggest concern about HYIP's. If we consider that the program earn profit 7 days a week then the daily interest is 1.43% and if they work only on business days then for 5 days the daily profit is 2%, isn't is sustainable. And I think this first plan will be the suitable plan for all because of it's low deposit, you can join for this plan with just $15.

For this plan it will take 10 weeks to get 100% of investment out of it and in the rest 10 weeks you will get another 100% return from it. And after all those you will receive the principle back, that means for this plan the total return is 300% in 140 days. So this is a very profitable plan also.

Their second plan offers 12% weekly return. All other rules are same for this plan like the first plan, Just the deposit amount is higher which is $1000. So it is really for the big money investors. For an imaginary deposit of $1000 the weekly return will be $120 and it will take almost 9 weeks to recover the first 100% and after 20 weeks the total return from this plan will be 340% in 140 days including principal amount.

Their last and third plan offers 14% weekly return but it's minimum deposit is $10,000. The other all rules are same like previous two plans like principle back after 20 weeks and Monday only payment.

Another good feature WaterInvestment offers is compounding. You can set 0%-100% compounding on your investment. So a little calculation will help you to earn more from this program but always remember the amount you compound will be held with principal amount which will be available for withdraw after 20 weeks, and longer term comes with greater risk.

The company claims to operated in water projects and also claims to a registered company in Bahamas. Also in FAQ it is written that they can provide their certificate of incorporation upon request. But for me personally I don't believe in these documentation since it is very easy to make one using any photo editor software and these documentation doesn't guarantee anything. The performance of payment will say the last word.

For ecurrency, WaterInvestment is having a few options, just Liberty Reserve and perfectMoney. But you can invest in euro from PerfectMoney. I think not having AlertPay as payment processor will make a segment of investors unhappy. But I think using only two processor makes the whole process simpler. I really like the program and I hope that it won't let me down.

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Disclaimer : The reviews and all the payment proofs is just my opinion and experiences with the actual website, I do not endorse any program i posted here,Please understand the risk and invest at your own risk.

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Interview with WeeklyDividend admin

Hello friends, Here is the interview with WeeklyDividend(reviewed here) admin. I hope you will enjoy the interview as much as I did.


1. Hello Admin, Please introduce yourself for the members of MEF and the reader of HNR Blog and please let us know about your online business experiences.How long u have been in online business?
Hello readers, my name is Ed and I'm the head administrator of Weekly Dividend. Online experience I suppose is dependent upon what kind you are referring to. As far as HYIP's are concerned I would have to say that my experience is limited although FX trading is done online and I've been a part of numerous trading group and communities as well as having experience in managing clients funds for FX accounts.


2. What are u offering for investors? What is the minimum amount of investments in each plan? Also let us know about the principle amount, can we withdrawn it after a certain period of time?
We offer 6 plans as follows:

Forever Daily Starter $1.00 – 50000.00 1.10 % Daily
Forever Daily Novice $1000.00 – 50000.00 1.30 % Daily
Forever Daily Expert $4000.00 – No Limit 1.50 % Daily

Forever Weekly Starter $5.00 – 50000.00 9.00% Weekly
Forever Weekly Novice $1000.00 – 50000.00 10.00% Weekly
Forever Weekly Expert $4000.00 – No Limit 11.00% Weekly

Once you deposit your principle is locked for life and cannot be withdrawn. This was done on purpose because what it allows us to do is to provide the maximum profit for members while at the same time not hurting the companies cash flow by paying back principle at times where it may be part of the margin we are using for trades.


3. How long weeklydividend will stay online you think? I am asking this because here "forever" means the lifetime of the program.
Weekly dividend will stay online as long as the members choose to participate. We are not some ponzi scheme and the EA's that we use are genuinely producing the returns that we offer. With the way that we have setup Weekly Dividend we are positioned to be one of the strongest programs online in a very short period of time.


4. Do u have real physical company office? if so then what is the address of it? And also How many employees you have?Do u have phone contact number?
At this time we do not have a physical office. Simply because it isnt needed. The beauty of the internet is that the necessary tasks can be performed from anywhere in the world.
I have 2 other people who help me out in a support and management role. You will notice that I do most of the tasks myself. This will only be the case during our early days so that I can ensure that all of our systems are running smoothly and that the ebb and flow of Weekly dividend is consistent.
Phone support is not something that we offer at this time.


5. As I have seen in the website that weeklydividend uses an automated trading tool to generate income, can you explain this process and also please let us know about the trading toll your company uses? And how much secure it is in terms of profit and sustainability?
Sure, what we use to generate profits are called Expert advisors or what some like to call forex robots. Basically we have taken our own trading systems and paid a programmer to automate them for us. the great thing about having automated systems are that it removes the human element.
What I mean by that is we aren't limited by time or human emotion which can quite often get in the way of profitable trading.
The use of EA's is not a new concept. in fact I would venture to guess that automated trading systems are a multi Billion dollar per year industry.
Another great feature of EA's are the fact that we can give them a controlled environment and see how they would perform over certain periods of time. Thus giving us a better idea of the types of returns that we can offer our clients. In my personal opinion this is one of the best ways available to generate substantial returns in a quick and efficient manner.


6. what security system you arranged for your website security? Commonly we can see 256 bit SSL protection, but here you are using a better one. And also if possible then please provide us the website url of the ssl certificate provided.
The SSL certificate that we use is issued through a company called mind genies. you can see their website at http://sslgenie.com
Originally we started with a Comodo SSL but when we moved the website onto a new server the SSL wasn't functioning properly so Black Lotus (our hosting provider) provided us with this one which is issued by their contracted SSL company.
we also have full DDos protection provided to us through our host Black Lotus.


7. What is your plan for the future of this program? And how you have planned the promotion in coming days?
The future of the program is only limited by what the mind can conceive at this point. We are open to any and all suggestions from members as to what they think would improve our program and our market share.

Currently we are running a small contest for the members whereas if they place our link in their signature on one of the forums that we have listed then they are in the running to be one of our two winners that we will pick each Friday. Each winner will receive a 20$ deposit into the plan of his or her choice.

8. Would you like to say something to my readers.
Only that I am very humbled by our success so far and that we are available to you at all times to make sure your experience with Weekly Dividend is the best that it can be.

ED
Weeklydividend

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XenoFinance.com [Review]

Hello friends, I hope everybody is doing fine. Last week we have encountered to the biggest scam of 2010, IdealInv. And their ways to scam people is seems a bit familiar to another scam program StableRoi.com, I guess both are having the same admin. But this is the way the HYIP industry actually operates and that's why we call it a liquid industry. And I am here to let you guys know the actual status of those programs. Anyways lets come back to the business. Today I am going to introduce a new program which is known as XenoFinance.com. It is a well designed website with original contents. It is being hosted on a DDos protected dedicated server provided by DDoswhiz and also using a positive SSL certificate which is now very common and must have feature in this business. The domain name is registered for one year and will expire on 10th January,2011. Click here to view the complete whois record.

Now lets move to their investment plans. XenoFinance is offering total four investment plans to the investors. Each plan shares one common rule, the principle and interest are payable only after the expiry. Personally I don't like these kind of plans since my strategy of minimizing the loss doesn't work with these type of plans. But in that case, among all four plans the most convenient plan is the plan of 5 days, at least for me. It is not only for the low minimum deposit but also for the shorter term. This plan offers 110% return after 5 days and the minimum allowed is $10. I think this plan is reasonable since 2% daily profit is sustainable in all respect.

Their next plan offers larger profit with a bit long term, 150% after 15 days. The minimum is $100 to join here. I personally do not recommend to invest in this plan for now since longer term comes with greater risk for one time paying plans.

XenoFinance also offers two more plans to the investors, Which I think is not important but for reference if you are curious to know it, 200% after 25 days where the minimum is $200 and the last plan is 300% after 40 days where the minimum is $300.

XenoFinance offers 5% affiliate commission and accepts Liberty Reserve, PerfectMoney and StrictPay for investment. In past we've found some good performing one time paying program which lasted atleast two months or one like PTV, which is still paying and also found some quick scammer. So For XenoFinance, I really hope they will become a hot program soon and prove them by paying to the investors.

What others are saying :
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Disclaimer : The reviews and all the payment proofs is just my opinion and experiences with the actual website, I do not endorse any program i posted here,Please understand the risk and invest at your own risk.

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Mandarin-Invest.com [Review]

Hello friends, today I am going to introduce such a program which is already paying for almost 3 months at the time of this review. It is a low ROI long term program which eventually became a big name in HYIP industry nowadays. it is Mandarin-Invest.com. The website is being hosted on a DDos protected dedicated server provided by Staminus Communications. The website is available on 5 domains and in 15 languages which I think is a very professional step taken by the administration. Their domain name is registered for one year and will expire on 11th August,2011. Click here to view the complete whois record.

Lets move to their plan details. They are offering five reasonable and long/mid term plans to the investors. The first plan is known as the "Basic" plan which suits most of the investor for it's low deposit, it's just $1. This plan offers 1% daily return for 30 calender days. And you will get your principle back after the term ends. So, for an imaginary deposit of $100 you will get $1 daily return and after 30 days your total return will be $130 including your principle where $30 is the profit. As per my investment needs this plan suits me most because of it's low minimum deposit and shorter term as it decreases the risk of loosing money.

Their next plan is known as "Starter" plan which offers 1.3% daily return for 100 calender days. The minimum is $100 to join in this plan. You will get $1.3 daily return for an imaginary deposit of $100 and since you will get back your principle after the term ends, the total return will be 230% where the profit is 130%. Which I think is reasonable and sustainable.

The another three plans are for the big money investors. I am not going into the details of them, just posting a brief introduction instead.
Advanced plan :
daily return - 1.6% per calender day
Term - 150 days
Minimum - $1,000
Principle returned - Yes

Pro plan :
Daily return - 1.9% per calender day
term - 150 days
minimum - $5,000
principle returned - Yes

VIP plan :
Daily return - 2.1% per calender day
Term - 150 days
minimum - $15,000
Principle returned - Yes

Here I must admit that the plans are very reasonable and sustainable too. And I hope that this program will continue paying for a real long time like today. The website is very well designed and using a secure licensed neversay script. There are some good features I found like, instant payout, five domains, 14 languages and one more thing I never saw in any program before is payment fees for deposit which makes a little difference in terms of sustainability. Like when you invest you have to pay the e currency fees so that the company receive the total amount you wish to invest. These fees are same as the e currency fees. The fees structure are like this,
LibertyReserve - 1%
PerfectMoney - 0.5%
EcuMoney - 0.5%
AlertPay - 2.5%
C-Gold - 0.5%
Pecunix - 0.5%
StrictPay - 2%.


Mandarin Invest accepts LibertyReserve, PerfectMoney, GlobalDigitalPay, AlertPay, StrictPay, C-Gold, ECU Money and pecunix. And for LibertyReserve, PerfectMoney, GlobalDigitalPay, AlertPay and StrictPay payouts up to $100 are processed instantly. Payouts for other payment systems and amounts above $100 are processed within 3 business days. Mandarin invest offers 5% referral commission and they also supports internal transfer, that means you can transfer your account balance to any member of mandarin Invest or to your referral. Now after seeing all those good features don't think that your investment is secured, since these features doesn't guarantee the return of your investment.

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Disclaimer : The reviews and all the payment proofs is just my opinion and experiences with the actual website, I do not endorse any program i posted here,Please understand the risk and invest at your own risk.

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Offshore-Money.biz [Review]

Hello friends, Hope everybody enjoyed this weekend. Now it's time to introduce another program to the HYIP investors which is Offshore-Money.biz. It is a nice looking, low ROI, long term investment program. The website is being hosted on a DDos protected server provided by Staminus Communications, with positive SSL certificate. Their domain name is registered for one year and will expire on 20th December,2011. Click here to view the complete whois record.

Offshore-Money.biz offers total three long term investment plans to the investors. First we will discuss about the "Standard" plan. This plan offers 1.2% fixed daily return for 75 business days, that means 5 days a week. You can also set compounding from 0% to 100%. The minimum you can earn is 90%(without compounding) and maximum is 144.6%(with 100% compounding), So a calculated investment can give you more profit. But I suggest not to compound more than 30% since the more you compound the less money you can withdraw as your daily profit. The principle amount will be returned to you after the term ends. Min is $10 and max is $500 to join in this plan.

The next plan is known as "Specialist" Plan. It offers 1.8% fixed daily interest for 75 business days. Here you can set compounding level from 0% to 70%. Principle amount will be returned at the expiry of the terms. The minimum is $500 to join in this plan.

The next plan is known as "Outstanding" Plan. It offers 2.4% daily return for 75 business days. I am not going onto the details of the plan since the minimum to join in this plan is $5000. It is just for reference.

Standard plan at a glance :
1.2% fixed daily interest.
Investment term : 75 business days(5 days/week)
Minimum invest : $10
Maximum : $500
Principal Return: Yes
Compounding range: 0% - 100%
Profit : Min(90%) - Max(144.6%)

Specialist Plan at a glance :
1.8% fixed daily interest.
Investment term: 75 business days (5 days/week)
Minimum invest : $500
Maximum : $5,000
Principal Return: Yes
Compounding range: 0% - 70%
Profit : Min(135%) - Max(222.6%)

Now lets come to another important points which I found while whois searching. I can see another website used to be hosted in the same account. But still I can access the site using "https://". When I asked admin about this matter, he told me that he will contact the service provider because that old website used the same IP in 2007 and the DNS record has not been deleted in enterprise DNS, that's why it is showing. And he also told me that it will take some days to disappear. Well, I really hope that this things will be removed from DNS soon. But for now, the SSL certificate seems not good for me and also makes this program somehow riskier.

The script is really well designed. But I am not being able to figure out which script they are using. It feels like a well customized script. Offshore-Money accepts all major e currencies like, Liberty Reserve, PerfectMoney, AlertPay, StrictPay, C-Gold and Pecunix.

What others are saying about the program :
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Disclaimer : The reviews and all the payment proofs is just my opinion and experiences with the actual website, I do not endorse any program i posted here,Please understand the risk and invest at your own risk.

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Iw-Funds.com [Review]

Hello friends, I hope everyone is getting good result from your investment since HYIP market is in a very decent condition right now. Most of the programs are paying very well. I hope January will remain profitable for you guys. Today I am going to introduce a new program called "iw-funds.com". It has a fairly simple website with licensed GoldCoders script with a dedicated DDos protected hosting provided by DDoswiz.com. They claims to be operated in various online investments and in forex market. Their domain name is registered for one year and will expire on 3rd January,2011. Click here to view the complete whois record.

Lets move to their investment plans. Iw-Fund offers total four plans to the investors. Lets start with their "Standard" plans. This is the only plan of iw-funds which offers daily return on your investment. It offers 18% daily ROI for 7 days. Principle amount is included in this ROI, that means you will get total return of 126% where pure profit is 26%. If you think of investing in iw-funds then I will recommend you to join in this plan. Since my strategy is to minimize the loss and this is only possible with daily payout plans.

There is another plan known as "Basic". It is a short term plan which only pays after the term ends. It offers 110% return after 3 days where 10% is the profit. The minimum is just $5 to join in this plan. You might also try this plan since it offers a decent profit in 3 days. And smaller term always comes with lower risk than longer term plans.

Iw-Fund offers two more plans to the investors, but always remember one thing that greed brings ruin. Their "premium" plan offers 160% return in 14 days. The minimum is just $10 to join in this plan. I must admit that the return is high since it is almost impossible to make 60% profit in just 2 weeks. So I advise you guys that if possible then avoid this plan for now. Let us see the performance of the program before taking decision to invest in this plan.

Their next plan is also almost the same. The plan is known as "VIP" plan and it offers 190% return after 20 days. The minimum is just $15. Personally I don't believe this type of high returns since it is not sustainable at all. And to be very honest, 90% profit is just not possible in forex market in just 20 days unless any miracle happens. But when I had talk with admin regarding this matter, he told me that 50%-60% of their profit comes from forex and rest of the profits come from other various online investments including other HYIP's, so making 4.5% daily profit will not be any problem. I really wish that admin will prove his words in future. But for now I advise you guys to think deeply before going into this plan. I am really very sorry if it sounds negative.

Ovarall I think this program is just another HYIP-game where only early birds might get profit. But this program also have some good feature like instant payment through LR and PM. Till today I received two payments, both are instant. They also accepts StrictPay and AlertPay for deposit. The website has an authentic SSL certificate provided by COMODO along with DDos protection which means your transaction is secure but these doesn't guarantee the return of your investment. But I really wish that Iw-Funds will continue paying for a long time.

What others are saying :
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Disclaimer : The reviews and all the payment proofs is just my opinion and experiences with the actual website, I do not endorse any program i posted here,Please understand the risk and invest at your own risk.

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BetAndTrading.com [Review]

Hello friends, From the beginning of 2010 we are riding on waves of programs with forever earning plan. And I must say, most of them are still showing good result except one or two programs like Talixmetals. Today I am going to enlist another name among these forever paying programs, which is betandtrading.com. The website is very nicely and professionally designed by one of my partner designer CrystalBanners. The homepage article is original and absolutely no wrong promises has been made so far. It is clearly written that it is a private investment pool made by it's Austrian CEO Stefan. And also they are operating in Arbitrage and Forex market which is not 100% risk free. The website is being hosted on a DDos protected dedicated server provided by BlackLotus. Their domain name is registered for one year and will expire on 2nd January,2011. Click here to view the complete whois record.

As I already said BetandTrading is an HYIP with forever paying plans, that means ther are not having any expiry date. But you can withdraw your principle amount after 120 calender days. Right now they are offering three straight forward and simple plans, Daily, Weekly and Monthly. The above mentioned rules are applicable for all three plans.

The daily plan offers 1.5% return on your investment and interests are paid 7 days a week. The minimum is just $10 to invest in this plan. I think the return in this plan is reasonable and sustainable. And for me the daily paying plan is more preferable than all other plans since I always try to minimize the loss as I previously said in other reviews. If you invest in this plan then it will take 67 days to recover the principle amount and after that you will start getting profit.

Their weekly plan offers a fixed 11.7% return on your investment. The minimum is $30 to join in this plan. It is also a very good plan and offers a slightly better ROI than the daily plan. It will take more than 8 weeks to recover your principle. If the program does not collapse so fast the early birds can make out a nice profit from here.

The last and third plan is a monthly paying plan. It offers 48% monthly return on your investment. The minimum is $100 to invest in this monthly plan. Personally I don't recommend this plan because if the program got closed within a month then you won't make any single bucks, but if you invest in daily or weekly plan, then you can recover some of your principle amount. So to minimize the percentage of loss I will suggest you guys to choose from daily or weekly plan.

The program using a licensed script with positive SSL certificate and also a DDos protected dedicated server gives it a secure benchmark. But this features are very common in the present HYIP industry and only guarantees about your details, doesn't guarantee the return on your investment. As their name refers they are having a structured percentage of investments, like as I saw in FAQ section, they invest 50% of member's investment in forex trading, 35% in Arbitrage Trading and rest 15% in Gold/Silver/Oil Trading. The goal is to get maximum profit from each sector and that strategy helps to recover the loss of one sector from another sector. I wish this is good to be true since it's a good strategy to be in profit and also increases the longevity of the program.

BetandTrading offers 7% affiliate commission and accepts Liberty Reserve, PerfectMoney, StrictPay and GlobalDigitalPay for investment.

What others are saying about this program :
DTM Forum
MMG Forum

MEF Forum
TG Forum

Disclaimer : The reviews and all the payment proofs is just my opinion and experiences with the actual website, I do not endorse any program i posted here,Please understand the risk and invest at your own risk.
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InvestJoy.com [Review]

Hello friends,I hope you guys are doing good. Now today I am going to publish another review in a row. The program called InvestJoy.com. Which is already known to forumers because of it's massive promotion. Why using the word "massive", take a look at their stats, 422 members in just 4 days. Isn't it good?? And when they launched, from the very begineeing they started their promotion by banners and sticky threads in various famous HYIP forums. So it's a obvious thing that admin is having a very high budget for promotion and I also think that admin is very experienced in this HYIP world. That's a very good thing indeed, since it increases the possibility of the program run for long time but still there's no guarantee of your investment for these stats. The website is being hosted on a DDos protected dedicated server provided by Black Lotus. The domain name is registered for one year and will expire on 19th August,2010. Click here to view the complete whois record.

Investjoy is besically a mid term mid ROI program. They are offering two investment plans right at the moment for the investors. The first plan is a daily plan where you can withdraw your profits in daily basis. It offers 5% daily ROI for 30 days. If we take an imaginary deposit of 4100 then the daily return will be $5 and after 30 days your total return will be $150 where the profit is $50. The minimum is $5 and the maximum is $1000 to deposit in this daily plan.

The next plan is a has a very attractive return in shorter time, but with only one payout at the expiration of the plan. You can't withdraw any daily earnings and the principle + profit is withdrawable only after the term expires. This plan offers 150% return after 15 days. The minimum is $10 and maximum is $10,000 to invest in this plan.

No after seeing these two plans I can only suggest one thing, that invest wisely. For me, the daily return plan is more acceptable. Because as I previously said in other reviews, if you invest in daily plan then if the program stop paying within a month then you will be able to recover some of your money and in some case all of your money. Only 20 days needed to recover your principle and after that you will get the profit. So it is less risky to put money in daily plan than the other one. And I am also following the same way and invested only in daily plan.

The website itself is very nicely designed and using a licensed script from Neversay. Using normal security features except SSL certificate. The contents of the site "homepage" and "Questions" sections are original and well described. InvestJoy offers two level referral commission for members. They are having a commission structure like this,
Trial Member - No active deposits
Referral Commission: 1% (first level), 0% (second level)

Fortunate Member - starting from $5
Referral Commission: 3% (first level)

Joyous Member - starting from $5,000
Referral Commission: 3% (first level), EXTRA 2% (second level)
InvestJoy accepts all major E currencies like Liberty Reserve, Perfectmoney, SolidTrustPay, StrictPay and AlertPay. I wish InvestJoy will stay here for a good time after seeing their well planned approach.

What others are saying about the site :
MMG Forum
MEF Forum
DTM Forum
TG Forum

Disclaimer : The reviews and all the payment proofs is just my opinion and experiences with the actual website, I do not endorse any program i posted here,Please understand the risk and invest at your own risk.
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IdealInv.com [Review]

Hello friends,It's certainly a busy time for me and my blog also. A bunch of reviews and interview is on the way. Today I am going to talk about a very nice looking program IdealInv.com. The design of the program is very catchy and it will make you to stop by and take a closer look in it like I did. IdealInv claims to be a private trader company located in Road Town, British Virgin Islands and also claims to be operated in Forex and Marketing sectors. The website is being hosted on a dedicated server provided by KODDOS but no SSL certificate have installed yet. The domain name is registered for one year and will expire on 28th December,2010. Click here to view the complete whois record.

Now lets move to the most important part of an investment program, it's plans. IdealInv is offering three plans to the investors. But there is a similarity between all plans, they all are withdrawable only after the investment term ends, you won't be able to withdraw your earning in daily basis. The first plan IdealInv offering is 120% after 5 days. That means you will receive $120 after 5 days for an deposit of $100. The minimum is just $5 to deposit in this plan.

Now there 2nd plan offers 150% return after 10 days. The minimum to deposit in this plan is $20. Their 3rd plan offers 195% after 15 days and minimum is $50 to deposit in this plan.




To be very honest, The return is very high and not sustainable at all. Even a very experienced forex trader cannot guarantee 195% return in 15 days. And the management of IdealInv literally accepts that they are having high return. Because in their homepage article I found these words,
Our current plans have a high ROI but that is just one piece of our marketing plan to enter this business and knock out our competitors! In future we plan to lower interest to reasonable rates and become stable and loyal player in this industry.
And at the homepage when u look into their plans, you can see this "valid until" row, you can see that these plans are valid till 28th February,2010. They are claiming that they will change their plan after that to any reasonable and sustainable plan.












I really hope that they will change their plan, but my personal experience says that will not happen. Because if we take a look at the previous history, except PTV partner, all other programs with these kind of plan disappears faster. I am really sorry if that sound negative. I really wish this program will prove me wrong and will continue paying for a long time.

IdealInv is offering some nice contest also, If you really need some quick little money, you might try this. Click here to visit the contests page. You can use SolidTrustPay, StrictPay, Liberty Reserve and PerfectMoney to deposit.

What others are saying :
MMG Forum
DTM Forum
TG Forum

Disclaimer : The reviews and all the payment proofs is just my opinion and experiences with the actual website, I do not endorse any program i posted here,Please understand the risk and invest at your own risk.

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Weekly Dividend [Review]

Hello friends, it seems like a busy time for my blog. Right now we are going through a series of long term programs with weekly plans. How ever we are also experiencing that these kind of long term programs are paying very well for now, and early birds getting it's advantage. Anyway, today I received another new long term program for review, and at the first look at the site I said "hmm, it seems like a good program". But really don't think I am vouching for weekly dividend, since these words doesn't guarantee the return of your investment. The site is being hosted on DDos protected dedicated server provided by FIVVA network with positive SSL certificate from COMODO for added security. Click here to view the complete whois record.

Weekly dividend is offering total six investment plans for different segment of investors. Three weekly plans and three daily plans have been introduced. But the similarity is there is not term limit for all plans, all plans are for ever. First let me discuss the daily plans.
Forever Daily Starter $1.00 - 50000.00 1.10 % Daily
Forever Daily Novice $1000.00 - 50000.00 1.30 % Daily
Forever Daily Expert $4000.00 - No Limit 1.50 % Daily
The daily plans are almost similar but with different ROI on different deposit range. I will consider only the first plan in my discussion since other plans are not for general investors. The minimum to invest here is only $1 and the daily return will be 1.10% for every day, 7 days a week. For an imaginary deposit of $100 the daily interest will be $1.10 and if we have 30 days in a month then your monthly return will be $33. It is reasonable and sustainable to have 33% monthly return from your investment.
Forever Weekly Starter $5.00 - 50000.00 9.00% Weekly
Forever Weekly Novice $1000.00 - 50000.00 10.00% Weekly
Forever Weekly Expert $4000.00 - No Limit 11.00% Weekly
Now lets discuss about their weekly plans. My personal experience says it's better to have weekly plans than daily plans in long term programs like weekly dividend. Lets take an example of $100 again in weekly starter plan, for the $100 my weekly return will be $9 and if we have 4 weeks in a month then your monthly return will be $36.
Now if we compare both returns then from weekly plan I am getting more profit than daily plans, so I suggest to invest in weekly plans if you plan to invest atleast $5 or more since the minimum to invest in the weekly plan is $5.

Now a very common question can be arise that whether we can withdraw the principle amount or not. And very surprisingly the answer is we can't withdraw the principle. It is locked for life. And compounding is also not available.

Weekly Dividend accepts Liberty Reserve, PerfectMoney and StrictPay for investment. The script looks great and customized. I already discussed about the security system earlier, and it's pretty tight. So I really hope we can see Weekly Dividend as a great paying program even after a long time.

What others are saying :
MMG Forum
TG Forum
DTM Forum

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Atox Financial alliance [Review]

This program is not paying anymore. No new investment is recommended.

Hello friends, This is the first post of the year 2010. I wish everybody a very happy & prosperous new year. Today I am going to introduce a new program called AtoxFinance.com. When I first visit the site, my expression was like "WOW". Very professionally made website with some unique kind of deposit plan based on profit share. The website is being hosted on a DDos protected dedicated server provided by Staminus Communications. Their domain name is registered for 5 years and will expire on 27th May,2014. This is a great step taken by administratation. Click here to see the complete whois record. The content of the site is original, and if you want to know about their team then click here. Atox Finance claims to be a registered company in panama and also claims to have multiple assets, means more than one income source. But always remember that really doesn't guarantee the return of your investment, I am saying it from my personal experience and really sorry if it sounds negative.

Lets take a look to their investment offers. It is the most important part since for the first time the profit sharing idea has been implemented to the hyip industry. Again this is a very nice step has been taken by the administration. It will surely boost the sustainability of the program. Now lets take a look at the idea.
First take a look at this chart :
Investment : $10 -$100 >> Profit share : 40% >> term : 30 trading days
Investment : $101 - $2500 >> Profit share : 45% >> term : 230 trading days
Investment : $2501 - $7500 >> Profit share : 50% >> term : 230 trading days
and so on....








say, you have $1000 investment as "Basic Investor" with a profit share of 45%. Now for today the company made a profit of 2%. As per today's profit the return from your investment should be $20,
($1000 x 2)/100 = $20

but in this profit share model you will get 45% of $20, that means your return will be $9 for today.
($20 x 45)/100 = $9

I think this is the easiest way to understand the profit share model they use, but if you need some more examples then visit this page. This is a new business method and for the first time it is being introduced in the hyip industry. It's a reasonable and sustainable model, and I really hope AtoxFinance will survive for a real long time.

AtoxFinance also have compounding functionality. And the best part is you can change your compounding percentage at any time and at any stage of the investment term. That means more flexibility for your account and if play strategically then it is possible to earn a good extra profit from AtoxFinance.

The minimum amount to invest is just $10 and accepts, Liberty Reserve, PerfectMoney, ECUMoney and BankWire(min $5,000). The daily profits can go upto 3%. State of the art design, DDos protection, SSL certificate, original content & moreover reasonable & sustainable return makes it a good program. I really wish AtoxFinance will keep paying us for years.

What others are saying :
MMG Forum
TG Forum
MEF Forum
DTM Forum


Disclaimer : The reviews and all the payment proofs is just my opinion and experiences with the actual website, I do not endorse any program i posted here,Please understand the risk and invest at your own risk.
Read more...
 
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