RoutePay.com - An advanced payment processor

Hello friends, today I am going to publish a review about a payment processor and I am gladly saying that, this is the first time I am going to write about a payment processor. The name is known to many people because they are not just new in business, it's RoutePay.com. It is such a kind of payment service provider those who growing slowly and steadily, they are already having a massive list of merchants, those who use RoutePay as a payment gateway for purchasing their products and services. Now lets come to the fact that, till date RoutePay is having a very limited use in HYIP industry. However, RoutePay is offering a very flexible terms which is ideal for HYIP and other online investment opportunities like forex, MLM, PTC, PTP and so on.

Some of the key features which I found necessary to mention :
> Advanced and innovative account security - If the hacker knows your password, he won't be able to use it to get access into your account. A question will be asked by the system based on your personal details and you have to answer it properly to get access to your account and also for sending payments. And about DDos protection and SSl certificate, they will get the full marks on my mark sheet.
> Very low fees - Their fees are one of the lowest fees I have ever seen in other payment processors. You will find a comparison with other payment processors fees in details later in this review.
> No Chargeback - This is also a very known feature, which is already very popular in HYIP industry, but what I personally think is, many big money investors will turn on to RoutePay if they offer chargeback on the basis of proper investigation.
> multiple option for funding or withdraw - This is a very unique feature which i've never seen in any E currency before. Every e currency usually offers bank wire transfers, and they employ exchangers to provide the facility of exchanging money in other rival payment processors. But here RoutePay itself is giving a chance to exchange your money to other popular e currencies as well as bank wire transfers also. That means your can fund your RP account by using other e currencies from within their website and also sell your RP fund directly to admin to other currency.
> SCI/API tools - RoutePay is having a decent and easy to use API/SCI configuration tool, which will let you integrate their payment option to your website. They are also having a masspay tool which is a very option for webmasters.

However these are quick introduction but now, we will move to in depth review and information, First here we will discuss about the,
Account types & Verification process :
RoutePay is absolutely free to use, you don't have to pay any monthly or annual fees to use their services. And the best thing is that, you are free to open as many as account you want using different email addresses. They are offering two types of account, Business and Personal account. As the name suggests, business account will have the access of their merchant tools like API/SCI and also there is no transaction limit for business account holders. However, the personal account is having a limitation of initial $5,000 transaction. Now each account can be of two types, verified and unverified. Verified members will get some extra benefit like bank wire and Ukash withdraw which unverified members will not get.

Now, the verification process they are having is the good old "KYC" process, That means "know your customer". For this process, they need two kind of documents, first your photo identification documents like Driver's license, Passport, Country/State ID or medical photo ID, and secondly you will need documents for address verification like Utility bill, Phone bill, Credit card statement or Bank statement. Remember that every document you submit should clearly show your name and you should provide the scanned copy of both side of the document. To verifiy your account you have send an email with the necessary documents to "accountverification@routepay.com". Don't forget to mention your RP account id with the mail. The verification process usually takes 3 business days. However verification of your account is not necessary for normal use of your account. Only if you want to withdraw your money through Bank wire or Ukash, then you will get benefited from the verification. You can also visit their "Accounts" page to gather information about their accounts.

Funding and withdraw options :
As I have already told you guys that they are offering a nice internal transaction feature with other rival E-currencies. This is absolutely a fresh feature I have never seen in any payment processor before. Instead of using service of 3rd party exchangers, you can directly exchange with admin with a very minimal fees lower than other exchangers. And the most interesting thing is that, you can use Liberty Reserve and perfectMoney along with Ukash and bank wire for both funding and withdrawl purpose. But only verified members can use these all four options, unverified members cannot use bank wire or Ukash. However, unverified members can always use Liberty Reserve and PerfectMoney. Fees are just the same for both funding and withdrawl, just take a look at the picture to know the fees,







RoutePay is also offering another very unique withdrawl option, you can withdraw your RP fund through their agents within a minute. They are having an worldwide agent network where you can withdraw your RP fund by person. This is very unique thing, because previously for these kind of transaction with other processors, the only way was Western Union by some 3rd party exchangers. But now, the picture is changing. I hope in near future these agent network will become one of the major part in E-currency industry because everybody want their money to be exchanged faster.


Comparison with other processors :








So, from the picture above you can clearly understand that, RoutePay is offering the lowest fee among all other major currencies. However, both Liberty Reserve and RoutePay is having the same fees but RoutePay is even better when a big money transfer occurs. The maximum fees in RoutePay is $2.50, no matter how big money you transfer.

Now, previously I told you guys about their flexible terms, which is very ideal for HYIP industry, because it is not necessary to verify your account, you are free to use your account without verification as well as you can use their internal exchange feature to fund or withdraw your RoutePay fund. However, if you want to withdraw to your bank then you will be needing one time verification or you can use any 3rd party exchangers to do so. View their "Exchanger" section inside their merchant directory to find the exchanger who can help you with bank wire if you are not verified.

There are some processors like SolidTrustPay and StrictPay where you won't be able to exchange money even with exchangers if you are unverified. For StrictPay you won't be able to send money if you are unverified. So in these case, I will prefer RoutePay or other processor similar to RoutePay's term. And I think most people don't want to send documents for verification unless they are having big money in their accounts. So from general people's perspective, I can say that people will certainly like this feature of RoutePay that you can do almost anything without verified account. So it is clear that RoutePay is having much flexible terms of use than SolidTrustPay or StrictPay.

Earn money from RoutePay :
Yes, you heard it right. Now-a-days payment processors are giving away some money for each referral you get. But in this case also RoutePay stands different. In RoutePay you won't get money to bring referrals, instead you will get money as many times your referral makes a payment. lets take an example,
Your referral makes a $100 payment to someone. As per fees RoutePay will take $1 fees from this transaction. Now, you will get 25% of the fees taken by RoutePay. So for this transaction, you will get $0.25 as commission. To get more insight of their affiliate program and their banners, use this LINK.

Present market reputation & Conclusion :
Well, in present times, RoutePay is having a limited use in HYIP industry. But RoutePay administration have taken up a massive advertising and promotional campaign recently. For me RoutePay is an advanced payment processor similar like Liberty Reserve, but with many many advanced and unique feature than Liberty Reserve. Without any doubt, RoutePay is having every qualities to become the next big thing in e-commerce in very near future. I am really hopeful about them because RoutePay is one of the most advanced payment processor present in the market. So I think, it's just matter of time to see RoutePay as a payment gateway for our every online needs.

Read more...

TopEarnClub.com [Review]

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

Hello friends, it's me Avik and I am back again with a review of a short term, nice looking program with a tight security called TopEarnClub.com. The program is not very new and is already paying for more than 17 days with 981 investors right at the time of writing this review, as they have started their journey on 12th May,2010. TopEarnClub have already paid their 2nd cycle of investment return and heading for completing the third cycle. So many of us are already in profit now. First as usual we will start discussing the investment plans they are offering, because as you all know that, returns are the most important factor on which a lifetime of an HYIP depends.

TopEarnClub is having two simple investment plans. Their first plan is a daily paying plan and it offers 18% fixed return for 7 calender days. The minimum to join in this plan is just $5 so that, small investors also can get benefited from this plan. The maximum amount allowed is $5,000. Now, I recommend this daily paying plan most because, these kind of plan is always safer than "paid at expiry" kind of plan. Here you can earn daily profits and if the program stops paying, then also you will be able to recover some of your invested amount. That means you will be able to lower the percentage of loss from this investment. From this plan your total return will be 126% where your profit is 26% in 7 days. Remember that, here you won't get your initial amount returned after the term ends as it is returned to you along with the daily interest.

Now the second plan is a "paid at expiry" kind of plan, which offers 135% return after 7 calender days. I will keep this plan under my "not recommended" list, because this plan don't satisfy my strategy of lowering the loss. These kind of plan is more like a gambling because if you succeed, you will earn more and if you don't, you will loose all. However, for the sake of providing the information, just let me tell the other details of the plan. The minimum is just $5 and maximum allowed is $5,000 to join in this plan.

Now let us discuss another important factor of an HYIP, it's their security. Here, TopEarnClub will get 10 out of 10 because they are having a tight security. The website is being hosted on DDos protected dedicated server provided by Staminus Communications aka DDosWiz, which is one of the big name in the specialized hosting sector now-a-days. They are also having a Secured Sockets layer (SSL) certificate installed in their server provided by COMODO. However here I want to clarify that, whenever you click on the COMODO logo placed at their homepage it will return to error message "server not found". But don't think admin is lying us, because mistakenly admin have associated a wrong url in that logo. Check the url bar, and you will find it. The url should be https://www.TopEarnClub.com, but in the url bar you will find https://www.toearnclub.com. Just add the "p" letter and you will find it working. TopEarnClub is using a licensed GoldCoders script, those who are having a decent reputation in HYIP scripting. Their domain name is registered for one year and will expire on 5th May,2011. Click here to view the complete whois record.

TopEarnClub is also offering some promotional bonus to those investor those who will vote in every monitors and in forums. To check the bonus please CLICK HERE. TopEarnClub accepts quite a number of major e currencies like Liberty Reserve, PerfectMoney, AlertPay, GlobalDigitalPay and StrictPay. They are also offering a very lucrative referral commission which is 5%. You don't need to have any active deposit with them to earn from their affiliate program. Ovarall, TopEarnClub is another short term HYIP game. But many people seems to have interested to try their luck in this short term game now-a-days. As I have previously said, that HYIP is none other than gambling, sometime you win and sometime you loose. So always remember the golder rule of hyip that, never invest anything which you can't afford to loose.

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

GoldirTrade.net [Review]

This program is not paying anymore. New investment is not recommended.

Hello friends, after a massive breakdown in HYIP industry, a very few old program left in my monitoring listing those who are paying. However, this is the flow of HYIP industry since it is a very liquid industry and one should not put any huge amount of money in HYIP which they can't afford to loose. It's more like a gambling where you don't know that you will be in profit or not. Today I am going to introduce a new long term, daily paying program with licensed GoldCoders script called GoldirTrade.net. It is a very simple program in all aspects from it's investment plan to it's design. First we will start the review with the only one investment plan offering by GoldirTrade group.

Their only investment plan offers 1% fixed daily interest for 180 calender days. The minimum to join is just $10 and maximum deposit is allowed upto $10,000 to join in the program. Unlike all other long term, low ROI programs here you will not get back the initial amount after the term expires. Your principal amount is included in your daily ROI. So in this plan you have to wait for first 100 days to get back the amount you deposited by summing up the daily interest. After the first 100 days, you will start being in profit. The total return from this plan will be 180% where your profit will be 80% in 180 calender days. Now here, I must admit that GoldirTrade is less lucrative than other long term programs currently running in the market because most of them offers principal return at the end of the term which GoldirTrade doesn't offer. But on the other hand it is also true that very few of them sustain till their first cycle of investment ends. So if GoldirTrade can sustain atleast for it's first cycle of investment, many of us can make a nice profit out of it.

In terms of security, GoldirTrade is not using any special security like DDos protected hosting or SSL certificate. These security systems are the utmost necessity in today's HYIP industry because of large number of hackers and blackmailers. Their domain name is registered for one year and will expire on 1st January,2011. Click here to view the complete whois record. GoldirTrade website is made using the latest licensed GoldCoders script, which is having a decent reputation in HYIP industry. Very surprisingly I couldn't find any FAQ /help page in the website, which doesn't seems professional to me. The website is using a very basic design and claims to be operated in stocks and forex trading with 3 years of experience.

Now here, I must mention a dispute of the website and their approaches. First of all the website doesn't have any SCI(shopping cart interface). That means you won't be able to deposit your money directly from the website. After submitting the deposit request through website, you have to pay to their designated account and then your have to use the support form to send the payment batch id. Admin will add the deposit manually to your account. This process is time consuming and also it's not at all a professional approach. But admin told me they are thinking of implementing this feature soon, so I just wish they will do it faster and I will update the post after admin implements this feature.

GoldirTrade accepts a very limited number of E Currencies like only Liberty Reserve and PerfectMoney. They are also offering a little 2% referral commission. You don't need to have any active deposit with them to earn from their referral program. Ovarall GoldirTrade looks like a very basic kind of HYIP game. However, we don't know that what will happen in future. I wish GoldirTrade will pay it's members for a quite long time because their returns are low and sustainable. It's only matter of time to prove their capabilities to the investors of HYIP industry.

What others are saying :
MMG Forum
DTM Forum
TG Forum
MSF 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...

Trilateralincome.com [Review]

This program is not paying anymore. New investment is not recommended

Hello friends, after a very bad week of fast scammers, today I am going to introduce a long term, low ROI investment program certainly with a hope of recovering from the present situation. The program comprises latest state-of-the-art security systems and they are already paying for 21 days at the time of writing the review. Well, the name of the program is Trilateralincome.com. Now, what is the meaning of Tri Lateral, it means 'three ways'. As the name suggests, the program is truly a Tri Lateral program with only three investment plan targeting three different segment of investors. First we will start the review with the investment plans because this is the most important factor on which the lifetime of an HYIP usually depends.

Now, there are some rules in those plans which are common for all three plans they are offering. Firstly, the term of each plan is same, which is 100 business days (5 days/week). You will get back your initial deposited amount after the term ends for all three plans. And Compounding is available for all plans. We will denote their first plan as "Plan A". It offers 1% daily return for 100 business days. I think this will be the most popular plan to the small and mid-ranged investors because the minimum to join is only $10 and maximum allowed upto $999. You will receive total 100% return just by summing up the daily interests and after getting back the initially deposited amount, your total return from this plan will be 200% in 100 days.

The 2nd plan they are offering is known as "plan B" and it offers 1.5% return for same 100 business days(5 days/week). This plan is made out for higher level serious investors as the minimum is $1,000 to join in this plan. The maximum is allowed upto $9,999. The profit from this plan will be 150% just by summing up the daily interests and after getting back your intial amount back, your total return from this plan will be 250% in 100 business days.

The 3rd plan they are offering is offering 2% daily return for 100 business days but this plan is really for rich investors because the minimum is $10,000 to join in this plan. I am not going any further calculations for this plan because I don't think people will play that much money with any HYIP. However, the rules are just the same as all previous plans.

After reviewing all three plans I must say that the returns are enough reasonable to sustain for a real long time. They are also having a very good feature like compounding. A little calculated investment can give you a better earning with this feature but here I must also warn you that, compounding will only benefit you if the program lasts till the end of your investment term. Because some amount from your daily interest will be added to your active deposit and you will be able to withdraw the rest amount after deducting the compounding percentage. It will increase your initial amount day by day as well as daily withdrawable amount will also increase a bit. So your main profit will come, when you get back your principal amount. So if the program lasts till that day and you get back your principal amount, then only compounding will be able to help you in good and better way.

As i've already said that TriLateralIncome is using a state-of-the-art security system which comprises a DDos protected dedicated server provided by DDosWiz, which have became one of the most renowned name in specialized hosting sector nowadays. They are also having an SSL certificate installed in their system issued by COMODO to maximize the data transaction. However, you must also remember that this good server stats has nothing to do with your investment, so never judge any program just by seeing their good quality hosting and certificates. These security system is only for data security, it doesn't guarantee the return of your investment. Their domain name is registered for only one year and will expire on 19th April,2011. Click here to view the complete whois record. The website is designed very nicely and it looks attractive. Their "FAQ" page is average with some silly mistakes in editing I found. However, the contents of the homepage is original and claims to be operated in various banking ventures and other financial instruments like forex, paper currency trading, securities and so on.

The choice of payment processor is limited as they only accepts Liberty Reserve, PerfectMoney and StrictPay for investment purpose. They are offering a very lucrative referral commission which is 5% and you don't need to have any active deposit with them to earn from their affiliate programs. They are also offering a contest which you can check HERE. At a glance TriLateralIncome looks like a good program with all the potential to become a industry leader in short time but since we have gone through a bad time very recently and many investor have lost their money in HYIP, they have to pay their first cycle of investment term in a timely manner if they are looking for bigger deposits from the investors side. I wish they will stay here for long time and many of us will be able to make a nice profit out of it.

What other are saying :
MMG Forum
MEF Forum
DTM Forum
TG Forum
MSF 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...

SCAM report

Hello friends, as we all know that we are going through a real bad time, you can say it a recession of HYIP industry. Many programs stopped paying this week as well as last week we also encountered by some fast scammers. Here is the new updated list of recent scam programs,

Pharmaceutical-Investment-Group.com.
AbalLong.com.
Plents.com.
EuroNanoInvest.com
Forge-Income.com.
HYIP.net.
WhiteFund.com.

So, here is the list of the last weeks SCAM programs. That's too many for just an week. Some of my reader have lost some large amount of money. So I think it is really a bad time we are going through, but in the other hand, I am really looking for some good alternatives of safe and secure HYIP industry. I really wish that some program will stay here to pay us for a long time. I will keep you updated with all the news as before everytime, and always remember the golder rule of HYIP, never invest anything which you can't afford to loose.

Read more...

VertigoInvestments.com [Review] & Industry updates

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

Hello friends, This is certainly a bad time going on HYIP industry. Many program are becoming scam in very short time. Sometimes even in 2 or 3 days. I will update the latest SCAM report later in this post. Today I am going to introduce a new program called VertigoInvestments.com. It is a nice looking, short term, high returning investment program with very tight security systems. The program seems very professional in their approaches and also in their website designing. First we will discuss about their investment plans because this is the most important factor which decides any program's lifetime of operation. Vertigo Investment offers total three investment plans with very good profitability. Very surprisingly, all those three plans allow same minimum deposit amount which is only $5. That means investors from all segment can invest in all three plans.

Their first plan is known as "Fast return balanced assets fund" and it offers 19% daily return for 6 calender days. I will recommend this plan most because of it's shorter term and high daily return. Because if this program runs away very fast, then your percentage of loss will be the minimum here than investing in other plans of this program. As i've already said, you can start with the minimum of $5 here. This plan will give you total 114% return in 6 days, where 14% is pure profit. Please note that your principal amount is included in your daily returns. You will be paid daily regardless of business days or weekdays, VertigoInvestment pays 7 days a week. To get more insights like investment strategy or risk factor associated with this plan, visit HERE.

Their next plan is known as "High income equity fund" and it offers the famous 12x12 plan. Means you will get 12% return for 12 calender days. The minimum is same as $5 for this plan. Total return from this plan will be a massive 144% where 44% is pure profit in 12 days. Your principal amount is included in your daily profits. To view the plan's prospectus, click HERE.

The third and last plan offering by Vertigo Investment is known as "Vertigo primary growth fund". It offers the biggest return but for the longest term if we compare to any other plan of them. It offers 10% daily return for 16 calender days. The minimum is same as $5 and there is no maximum limit to invest. The total return from this plan will be 160% where 60% is the pure profit in 16 calender days. Again to view the insights like profit chart or investment areas related with this plan, visit HERE.

Now let me discuss my very own strategy of playing with short term, high ROI hyip's. I think that, every investor should first concentrate on getting back atleast the first 100% from the investment as fast as they can. For the first plan where it offers 19% daily return, you will be able to get back the first 100% in the 6th days. for the second plan, after 8 days of interest, you will be able to get back first 100% in the 9 days by summing up daily interests. And for third plan where it offers 10% daily return, it will take 10 days to get back the first 100% out of your investment. So for me, the safest plan is the first plan which offers 19% daily return for 6 days.

The website is using state-of-the-art security systems and very professional design. I am quite sure that the website contents have been planned for quite a long time. The contents at the home page is absolutely original and also having some very nice sections like "investment guide", "risk factors". They are also having a detailed "FAQ" page. Vertigo Investment claims to be an registered company in UK with registration number 07070594. An address have also been provided which is,
Vertigo Investments Limited,
The Counting House
13A Church Farm Business Park
Bath
BA2 9AP
UK

However, I don't believe in this kind of statements because there's no way to verify it. And also I want to remind you guys that, these details doesn't have any connection with your investment, you can still loose your money even if it's a registered company. The website is being hosted on a DDos protected dedicated server provided by BlackLotus.net which is one of the industry best in DDos protected specialized hosting. An ssl certificate has also been installed in the system to maximize the security of data transaction. Their domain name is registered for 3 years and will expire on 13th April,2013. Click here to view the complete whois record.

The program accepts few payment processors like only Liberty Reserve, PerfectMoney and StrictPay. They are also offering a little single level referral commission like 3%. To earn from their affiliate program won't cost you a dime, just create an account with then and then start. You don't need to have an active deposit with them to earn from their affiliate program. Ovarall the program seems like a normal program which I think is another HYIP game. But if your timing is right then you can make out a nice profit from Vertigo Investment.

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


Industry Updates :
As I've already said that HYIP industry is running through quite a depression and many programs has been closed for money flow problems. Last week I moved some programs under problematic status as they have stopped paying. Here are the list of recent SCAM and Problematic programs.

Programs under problem status :
Forge-Income.com
HYIP.net
StarxInvest.net
WhiteFund.com

Scam updates :
PrimaryPool.com
CorporateInvest.net
PTVPartner.com
OneDailyPro.com

New investment in these programs are not recommended. This week I got paid from, EuroNanoInvest, AtoxFinance, ForexNetClub, Plents, ManorTrust, Alpha-Money, IncomeNonStop, Forexica, Pragma-group and VertigoInvestments itself. However, I will not recommend investing in EuroNanoInvest because they have stopped their instant withdral system. I am not moving it to problem status because my payment request is just some hours old. I will wait for 24 hours and will update my blog with proper status. Till then no new investment is recommended for EuroNanoInvest.com.


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...

Interview with SmartMoneyInv.com

Hello friends, this is my second post for today, and as I have already told you that I will try to publish maximum interview this month, this interview is the part of it. The name of the program is SmartMoneyInv.com.

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?
Ans : Hi, my name is Paul Moore, owner of Smart Money Inv Ltd., which is actually a licensed and registered offshore entity. Our team has been helping investors privately for the past 5 years and have the knowledge and know how to produce the returns demanded in this industry by the most serious investors. Our interest rates are stable for longevity, however allows for a decent return in a short time. This is the result of our strategic financial profiles created in a variety of specific trading markets. Generally these areas include forex, stocks, bond and security investments, online niches, ecurrency exhchanges.


2. What are u offering for investors? What is the minimum amount of investments in each plan? Also let us know Will the principal amount be returned on expiry? Is compounding allowed? Do you have instant withdrawal facility?
Ans : Our first investment, 'Beginner Investment' offers 1.5% daily for 10 days with your principal returning after expiration (10 days). The benefit here is that interest is paid calendar days, 7 days a week, however with 15% return you must wait for principal return to receive profit. The min to start your investment is $10 and the max in this plan is set at $200

Our second investment, 'Standard Investment' offers 2% Daily for 20 Business days with your principal returning after expiration (20 Business Days). Interest is paid business days and by the time you by the time your receive your principal you will have earned 40% for a total return of 140%. The min investment here is $200 and the max is set at $2500

Our third investment plan, 'Elite Investment' offers 2.5% Daily for 40 Business days with your principal returning on expiration (40 Business Days). Interest again is paid business days and the total return is 200%. 100% will be earned during interest payments and your principal returned is the profit earned of 200%

Deposits in excess of $500 qualify for 5% deposit bonus and deposits in excess of $1500 qualify for 10% deposit bonus!


3. How long SmartMoneyInvest will stay online you think? I am asking this because most of the long term low ROI program usually gone within their 1st or 2nd cycle of investment ends. How will you make the difference?
Ans : Our mass advertising campaign, stable interest rates and dedicated 24 hour support will assist in making this the best high yield opportunity currently available anywhere. Our initial startup capital of $50,000 along with many vip investors ensures our growth for the long term. Our site is on a dedicated server purchased to handle the mass traffic received. With the proper planning, we are aiming to make this an investment to trust, and build a foundation with.


4. Do u have real physical company office? if so then what is the address of it?
Ans : Yes, we are legally registered company in the city of Belize and our contact information are as follows...

Smart Money Investment Ltd.
35 New Road
BELIZE CITY, Belize, C.A.,
Registration Number 629203
Tel: +507 836 6015
Fax: +507 223 2095


5. How many employees you have in your office?
Ans : Our team is made of 10 individuals all of which are qualified professionals with minimum of 10 years experience in the financial industry. Our team is composed of our owner, Paul Moore, our two financial analysts, five experienced forex and precious metal investors and two tech and support personal.


6. My reader will certainly like to know the investment sector of your program. Where you invest the money to get the profit and how.
Ans : As stated above and on our about us page, most investments are in a variety of fields specifically chosen by our owner. These areas include forex, precious metal trading, online niches, and stock, bond and securities. For more information on investment procedures visit our 'about us' page.


7. What support fecility you have arranged for your website? And also let us know about the script and designing.
Ans : Our two support and tech operators are working 7 days a week sometimes to ensure everything is handled properly. Pitching in to help is our main owner, Paul Moore, along with our reputable financial analysis.

8. What is your plan for the future of this program? And how you have planned the promotion in coming days?
Ans : Our promotion is of a mass advertising campaign that has already started. We've added Money-News-Online.com as our feature review. Paul Abramson has a very popular blog that many serious investors trust. Also, we've added interviews by other blogs such as moneynewsreviews.com. To date we have are being monitored by more than 50 respected monitors in the industry. We have also add mmg sticky thread. You may have seen our banners on many of the most popular monitors such as gsmontior.org or cash1688.org or refback80.com, all of which we are being monitored by. There are many more major advertising plans still to come, so continue to watch out for Smart Money Inv.

9. Would you like to say something to my readers and MEF members.
Ans : I would like to thank the owner of MEF for giving Smart Money Inv the opportunity to share our investment opporunity here on this blog. Our staff is available 24 hours a day to answer all support questions no matter how small or large. We have invested a lot of our own time, energy and financial capital into seeing this program grow much larger than others. Our members have so far supported this goal and we you will do the same. Thank you for your interest in Smart Money Inv.


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...

Pharmaceutical-Investment-Group.com [Review]

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

Hello friends and supporters. First of all I want to thank all my regular visitors, because my alexa ranking is rising very fast and also in feed readers. You guys can check my alexa ranking HERE. But I am really very sorry, because this month I won't be able to manage time for writing regular post. This month I will try to publish some interviews also. You all are free to send e mails regarding any kind of queries of HYIP industry. I will love to reply them. Today I am going to introduce a new program called Pharmaceutical-Investment-Group. It is a medium ROI, daily paying program with licensed GoldCoders script. They are having 3 basic type of plans if we categorize the plans on the basis of the term of investment. They are having three segments of investment term, which are 20 days, 30 days and 40 days. These days are calender days, that means we will get paid seven days a week. First we will discuss about the first segment of 20 days term. This segment is known as "A plan" and each plans under this segment will be denoted as "A-1", "A-2" and "A-3". Look at the undermentioned table to get the details of this A segment.

Segment A (20 calender days) -
Plan A-1 :
Daily interest : 3.20%
Minimum amount : $5

Plan A-2 :
Daily interest : 3.50%
Minimum amount : $25

Plan A-3 :
Daily Interest : 3.80%
Minimum amount : $50

Now these plans are having the same term of investment, which is 20 calender days. You will get back the initial amount after the term ends for all these three plans and also for all other segment of plans. However, I will recommend this "A" segment only, because of it's short term. As my strategy says, shorter terms in these kind of daily paying plans are safer than longer term with high ROI. Now lets move to another segment of their investment plans, which is known as "B plan".

Segment B (30 calender days) -
Plan B-1 :
Daily interest : 3.90%
Minimum amount : $75

Plan B-2 :
Daily interest : 4.10%
Minimum amount : $150

Plan B-3 :
Daily Interest : 4.50%
Minimum amount : $200


Segment C (40 calender days) -
Plan C-1 :
Daily interest : 4.60%
Minimum amount : $250

Plan C-2 :
Daily interest : 4.80%
Minimum amount : $300

Plan C-3 :
Daily Interest : 5.05%
Minimum amount : $325

Now, after these three segment of plans, there are one more plan offering by Pharmaceutical-Investment-Group. The plan is known as "VIP Plan". This plan is having total four sub sections and every sections is having the same investment term of 50 calender days. Like all other previous plan your daily interest will depend on the deposit size. The bigger your deposit and better your daily interest will be.

VIP Plan (50 calender days) :
VIP-1 plan :
Daily interest : 5.25%
Minimum amount : $350

VIP-2 plan :
Daily interest : 5.50%
Minimum amount : $375

VIP-3 plan :
Daily interest : 5.75%
Minimum amount : $400

VIP-4 plan :
Daily interest : 6%
Minimum amount : $425

Now let me tell you about some common rules which are applicable for all four type of plans. Firstly, you will get back your initially deposited amount after the investment term ends. And secondly, all days are calculated on the basis of calender days as I've already told you. After reviewing all plans, I must say that the profit is high than other usual daily paying programs. So I would recommend the plan with the shortest term of 20 days. Because, if your timing is right then you can make out a good profit from it.

Now lets take a look at it's security which is another important factor to help running the business smoothly. The website of Pharmaceutical-Investment-Group is being hosted on a DDos protected dedicated server provided by BlueHost Inc. An SSL certificated has also been installed in the system, however, I am not sure about the name of the provider of that certificate. The domain name is registered for one year and will expire on 10th April,2011. Click here to view the complete whois record. The website is built using the most popular GoldCoders script and it is licensed. The design of the website is average and seems like admin haven't spent much money on designing. The FAQ page is above average. They are offering mail support system from the website as well as live chat directly with admin. Now I must mention about some very good and rare features found on this program. first one is Currency exchange, you can exchange between LR, PM and SP with a very little fees. Click here for the exchange page. Another very good thing is their internal transfer system which is very rare seen in HYIP industry. However this feature will not benefit everyone because this kind of feature is only help us in case of "Referral commission back". But still the currency exchange feature will benefit many investors.

Pharmaceutical-Investment-Group accepts only three payment processors like Liberty Reserve, PerfectMoney and StrictPay. They are also offering a very lucrative referral commission which is, 5% - 6%. But I am not being able to find the actual structure of the referral program so I am wondering that how they will calculate this variable referral rate. Ovarall, Pharmaceutical-Investment-Group looks like a very normal program with some good features in scripts. They have a long way to go and they have to prove themselves by paying for some quite long time.


What others are saying :
MMG Forum
DTM Forum
TG Forum
MSF 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...

Pragma-Group.biz [Review]

Hello friends, there's a lot of bad thing are happening with HYIP industry. Most of the so called financial giants have fallen in the ground last week and the biggest one is certainly PTV Partner, their website is still down and I don't think they will come back again. However I still kept the program under "problem", but I will wait for one week more before finally declare them as SCAM. In the present situation, we all are looking for a reliable place for investing. However, today I am going to introduce a new program called Pragma-Group.biz. It is a long term, daily paying program with secured custom script. We will first discuss the investment plans they are offering to the investors. But before that I want to let you guys know some rules which are common for all three plans they are offering. First, you will get back your initial investment after the term expires. Secondly, all profits are being calculated only on work days(monday-friday) and lastly, you can also withdraw your money before the term expires, but for pre term cancellation, you have to pay 20% fees on it. There is one more thing, that minimum withdraw allowed is $2, that means you won't be able to withdraw any amount less than $2. Pragma Group offers total three investment plans to the investors.

Their first plan is known as "Pessimist Plan" and it offers 1% daily return for 90 business days. I think this plan is the most popular plan because it is the only plan that an small investor can afford. The minimum to join in this plan is $20 and maximum allowed is $1,000. The return is really reasonable and you will earn 90% on your investment just by summing up the daily interest and after getting back the initial amount, your total return from this plan will be 190% in 90 business days.

Their 2nd plan is known as "Pragmatic Plan" and it offers 1.4% fixed daily return for 120 business days. This plan is dedicated to big money investors because the minimum to join in this plan is $1,001 and maximum allowed is $5,000. By summing up your daily interest you will earn 168% profit from your investment. As previous plan here also you will get back your initial amount after the term expires, so after getting back principal amount your total return from this plan will be 268% in 120 business days.

They are also having one more plan but this plan is really for serious investors and those who are having some free money to experiment with. The name of the plan is "Optimistic Plan" and it offers 1.8% daily return for 180 business days. The minimum to join is $5,001 and maximum allowed upto $100,000. Now after reviewing all three plan, I know 'Pessimist plan' will be a big hit among investors not only for it's low $20 minimum deposit but, also for it's shorter term of investment.

Now lets move to some another very important factors like website security & script. Well, instead of using an ready-made industry standard script, Pragma Group website is using a custom made script with some advanced security feature like virtual keyboard and encrypted referral number. Their homepage contents are original and also having an impressive & unique FAQ page. Now when the security comes in, I must say they have arranged a tight security for the website. But there's a confusion, while doing my regular whois search I found that one more site is being hosted with the same IP they are using. I use domaintools, which you can see here. Now when I contacted to the admin regarding this matter, just take a look at the screenshot to read the full chat, Click on the pics to see them in full.








Now, Don't get confused with all these chat. If you have any question you can contact to dragonara support. But here, let me tell you the truth. Pragma Group website is not being hosted with another website. Because most people don't know for using SSl certificate, the website need to be hosted on a dedicated server. This dedicated server is the primary necessity for SSL certificate. Pragma Group also have a positive SSL certificate. That's why you can also access the site with "https://". Take a look at the screenshot,



This ssl certificate is the biggest proof that Pragma Group website is being hosted on a dedicated server. This IP was an old ip previously used by some other program. Now dragonara sold this ip to pragma-group admin. Domaintools is not real time. I hope from now on, there will no confusion after this hard proof.

A very least amount of payment processor can be used in their program. Only Liberty Reserve and PerfectMoney. I think these two are not enough because many big investor don't use these two processors. Big money investors are always comfortable with processors those who requires some kind of verification. However LR and PM are the most biggest processors of all time and also oldest two. They are offering affiliate commission of 3% and you don't need to have any active deposit with them to earn from affiliate program. They are having one more rule, that the minimum amount for withdrawn is $2. You won't be able to withdraw less than $2 from your account. Ovarall Pragma-group seems like a good program with all the potential to become an industry leader. Now, it's time to prove themselves by paying their investors right on time.

What others are saying :
MMG Forum
DTM Forum
TG Forum
MSF 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...

Interview with ManorTrust.com

Hello friends, tonight I am going to publish an interview with the president of ManorTrust.com[Reviewed HERE].


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?
Ans : My name is Timothy Alexander. I am President of Manor Trust. I spearhead
most projects Manor Trust invests in. I started investing in the stock
market at the age of 18 in 1972. Since then, I have diversified myself. I
pursued a degree in economics in my mid twenties to gain a better
understanding for myself. I continued solely in the stock market till the
early 90's when I started to pursue real estate investing. First in the
United States, then onto a global scale. During the 90's while I expanded
my real estate portfolio globally, I gained many new contacts around the
globe and began my small footsteps into investing in emerging economies.
Since 1999, I have devoted my business life to pursuing investments in
emerging economies. I developed Manor Trust with several partners who
helped me pick and choose through investment opportunities. In 2002, we
began to manage individuals and corporate assets, focusing further on
emerging economies around the world.



2. What are u offering for investors? What is the minimum amount of
investments in each plan? Is compounding allowed?
Ans : We offer simply two plans. One being 2.4% daily for investments up to
$9999 and for investments of $10000 or more we offer 2.8% daily. Our team
as a group came up with the two plans that offer great enough return to
encourage new investment as well as maintain profitability of Manor Trust
itself. We do not allow compounding, but you can invest from your account
balance as profit is added. $10 is our absolute minimum investment.



3. Do u have real physical company office? if so then what is the address of it?And also How many employees you have?
Ans : We are currently running our investor relations office out of leased
office space. As we have just hired an investor relations person, one of
the duties of his will be to create our public and open office for all
investor needs. Our staff roster consists of 13 people right now.



4. We all are keen to know about the investment sector of ManorTrust. If you canshare a little knowledge about emerging economics, it will be great.
Ans : The sole aspect of our company is to invest in countries that are starting
to boom economically in certain sectors. Our key focus sector right now is
tech manufacturing in southeast Asia. Several of our staff focus on new
and upcoming tech products and contracts being created with southeast
asian manufacturers. One of the recent hit products that contains many
different parts manufactured by southeast asian manufacturers is the Apple
iPad. Several months back we invested in one of the manufacturers chosen
for the Apple iPad. This has turned to be a successful investment for us
and as the Apple iPad has started to sell record numbers, it looks great
on the horizon for our investment in a mid size tech part manufacturer in
southeast Asia.



5. What security system you have arranged for the website? And also let us know about the ssl certificate provider.
Ans : We have a full time security member that frequently secures and protects
our server. This member is always on the lookout for any possible attack
or the start of an attack. We have several ANTI DDOS efforts in place
including a hardware firewall. We have also placed IP protection on
members accounts and a SSL certificate from MindGenies to protect the
transfer of data.



6. I can see a "Incorporated certificate" which is registered at Seychelles as an International Business entity. Can you prove the legitimecy of it? I am asking this beacuse this type of certificates can be easily made by using softwares like photoshop.
Ans : We have a genuine certificate scanned in high resolution on our website.
You may contact appropriate authorities to verify the legitimacy of our
corporate registration in the Seychelles.



7. What is your plan for the future of this program? And how you have planned the promotion in coming days?
Ans : We have a highly intricate marketing plan that changes and alters every
few weeks. We also have some grander promotion that is done monthly.



8. Would you like to say something to my readers and MEF members.
Ans : Take a look at our website and contact us with any questions you may have.
We would love to talk to you about your investing needs. Feel free to use
one of several available support methods for any inquiries you may have
for our team.



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...

Forexica.com [Review]

Hello friends, today I am going to introduce a new nice looking, Short/mid term investment opportunity with 'paid at expiry' type of plans. They are claiming that they have started their operation in 2002 as written in their home page. However, we will first discuss about their investment plans because this is the most important factor which I believe, plays the role behind any program's sustainability. Well, Forexica offers total 9 fairly simple investment plan to the investors. First let me tell you guys that, every plan is paying only after the term expires. Take a look at the table below to get the easy understanding of the plans,

103% after 2 calender days :
Minimum : $10
Maximum : $45,000

107% after 4 calender days :
Minimum :$10
Maximum :$45,000

116% after 8 calender days :
Minimum :$120
Maximum :$45,000

135% after 16 calender days :
Minimum : $200
Maximum : $45,000

156% after 24 calender days :
Minimum :$250
Maximum :$45,000

185% after 36 calender days :
Minimum :$250
Maximum :$45,000

235% after 50 calender days :
Minimum :$500
Maximum :$100,000

280% after 65 calender days :
Minimum :$1000
Maximum :$45,000

400% after 90 calender days :
Minimum :$1000
Maximum :$45,000

If you are still confused, then here let me tell you guys about my strategy of playing hyip with 'paid at expiry kind of plan. Invest in the shorter term possible, this is my strategy. Among these all nine plans I will recommend only two plans with the shortest term. Those two plans are, 103% after 4 days, 108% after 8 days. I will not recommend the 2 days plan even if it's a shortest term they are offering because 1% profit ratio won't help you much, payment processor fees will not let you see any profit from your invested amount. So their 2 days plan is just useless to get profit.

New Update :
Admin have changed all the investment plan. It's already been updated here in above table. But from now on, you guys can try 2 days plan because now you can make some profit out of it after payment processor fees.

The website is designed in very professional way and It is looking very attractive. It is being hosted on a DDos protected dedicated server provided by BlockDos.net, which is one of the pioneer in DDos protected hosting industry. No ssl certificate has been found in the system. Their domain name is registered in 2009 and will expire on 24th December,2012. Click here to view the complete whois record. The FAQ page is average and doesn't contains much information. Forexica accepts a very least number of payment processors like only Liberty Reserve and PerfectMoney. I am really fond of using AlertPay in hyip since they are having a nice feature called chagreback. However, forexica is not giving you any chance of using Ap instead of LR and PM. They are also offering a small referral commission which is only 2% of investors deposit. But smaller referral commission makes the program more stable because it won't drain the money from admin. Ovar all Forexica looks like a normal program with all potential to become hot soon. I think most of us can make out a nice profit if our timing is right.


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.

Read more...

StarxInvest.net [Review]

Hello friends, It's me Avik came back after a 5 days short break with a review of a new program called StarxInvest.net. It is a very nice looking, low ROI program with Daily and weekly paying plans. They are actually a forever paying program with no expiry date of your investment. That means you can earn as long as the program survives. But before moving onto the details of the plans, first I need to talk about a common thing of their investment. There is a Lock-in period for your investments, which is 100 days or 14 weeks. No matter in which plan you are, after 100 days you can withdraw your initial amount and close your account. However if you don't withdraw you will continue getting the daily/weekly profits from your investment. Now we will talk about their investment plans in details.

StarxInvest is having two basic plan types, Daily paying and weekly paying. Each type of plan is having three segments. Their daily paying plan is known as :Daily Trade" and it offers 1.5% daily return for deposit packet of $10 - $999. Their next segment is offering a bit more ROI but with larger deposit packet, 1.7% daily for deposit ranging from $1,000 to $4,999. And their last segment of daily paying plan is offering 2% daily return for deposit ranging from $5,000 to $100,000. For easy understanding of those segments, take a look at the picture,



Now, StarxInvest is also offering weekly paying plans and like daily plan there are also having 3 segment in these weekly paying plan. Here also your return is based on your deposit size. You will get 12% weekly return if your deposit ranging from $10 to $999. For deposit ranging from $1,000 to $4,999 you will get weekly return of 13.5% and the last segment offers 15% weekly return but the deposit range is too high, $5,000 to $100,000. Take a look at the picture below to understand the plan easily,



So now, you can easily understand the plans and their returns. Here I want to discuss the investment strategy with this kind of forever paying programs. Our primary focus should be on getting in profit as fast as possible. So I suggest to make mixed deposit with them. If you have $100 to invest in this program, split the $100 into two smaller part like $50 each and deposit in both daily and weekly paying plan. This is how you will be able to make the most out of it and will be in profit in shorter time without disturbing my strategy of lowering the loss. From daily paying plan your 7 days return will be, (1.5% x 7) = 10.5% and from weekly paying plan your weekly return will be 12%, so you will able to recover atleast 22.5% per week. This way you will be in profit just after the 4th week of investment. So, I think it is the safest investment strategy with these type of forever paying program which will help you to recover the initial deposit amount just by summing up the daily/weekly payments.

Now lets move to another important sector like website security. The website is being hosted on a DDos protected dedicated server provided by one of the industry leader BlackLotus. However, no ssl certificate can be found in the system. The website is built using one of the most advanced 'GoldCoders' script which is licensed and designed very nicely by one of the best designer doris. Their domain name is registered for only one year and will expire on 17th March, 2011. Click here to view the complete whois record. In one word the security of StarxInvest is average because SSL cart is one of the most important feature, and in a financial industry like HYIP it is a must have.

StarxInvest accepts total four payment processors like Liberty Reserve, PerfectMoney, StrictPay and GlobalDigitalPay. They are also offering a highly lucrative affiliate commission which is a massive 10%. And you don't need to have any active investment with them to earn from Affiliate program.

Ovarall StarxInvest looks like a normal program with all the potential to become one of the best in the industry. So I just hope that they will stay here for a long time so that we can make a nice profit by investing with them.

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