12 August 2010 - AvaInvestment Review

AvaInvestment HYIP Review

Some of my readers have asked recently on my view of the top 5 most promising HYIP in the industry at the moment. As you can probably see on the sidebar, there are only 2 programs that I have listed there as the top programs. I have been very comfortable investing with those 2 programs, and it's suffice to say that I was thoroughly convinced the industry was hard-pressed to come up with any other program that could compete.

I was proven wrong, it seems.

Today, I'm introducing a program that I think will lead us through the industry's recovery, among several others such as CherryShares and OilStructure. One that will regain investor's confidence in the industry, and thus, propel us back into the glorious days. Without further ado, let's take a look at today's star: AvaInvestment!

Ava Investment Inc. is a private investment company which was established in 2007 by a group of experienced foreign exchange brokers and analysts. Ava Investment inc. is officially registered in Dominican Republic with office located in Bristol, United Kingdom

Business Model:

AvaInvestment(AvaInv), apparently, claims to be a private investment company with vested interests in foreign currency exchange (foRex) and private funds. Despite such claims as being registered in Dominican Republic, it seems most, if not all, HYIP were not living up to their words -- empty talk and no substance. This means, please do not be misled by such information as most HYIP are just games.

Glancing through the site, I find that the business model proposed is somewhat obsolete and no creativity is put into it. Nonetheless, there are many concrete proof that show a HYI program can run well and strong even without a creative business model.


Payment Plans:

There are 2 payment plans offered here with different payout periods to cater to different investors. I, for one, am more comfortable investing in the daily plan because, despite the lower return of investment (ROI), I enjoy the flexibility of being able to withdraw money everyday.

The daily plan is called Start Plan, which pays 2.8% - 3.6% daily for 50 calendar days. Note that principal is already included in the payouts, so your principal will not be returned at the expiry of the plan.

The weekly plan, on the other hand, is called Business Plan, which I suspect connotes a higher paying plan for more serious investors. Indeed, while the minimum to invest here is set at $50, you'll receive return of investment that ranges from 14% weekly to 20% weekly for 15 weeks.

• Start Plan: 2.8% - 3.6% Daily for 50 days
1. $10 - $10,000 : 2.8% (total return: 140%)


2. $10,001 - $30,000 : 3.2% (total return: 160%)


3. $30,001 - Unlimited : 2.6% (total return: 180%)


• Business Plan : 14% - 20% Weekly for 15 weeks
1. $50 - $10,000 : 14% (total return: 210%)


2. $10,001 - $30,000 : 17% (total return: 255%)


3. $30,001 - Unlimited : 20% (total return: 300%)

Hosting and Overall Web Presentation:

Security-wise, I can steadfastly say that AvaInv is well-prepared. The site's hosted on a dedicated server with Ddos protection by none other than Dragonara, one of the best hosting service providers in the industry. Many HYI programs in the past had hired the service of this company, and most, if not all, enjoyed the luxury of being safe from Ddos attacks. The script is licensed from GoldCoders, which shouldn't pose much navigation-related issues to regular investors. The web site's relatively clean and pleasant to the eyes. User-friendliness shouldn't be much of an issue here as well, as I managed to find my way around the site relatively easy.

Payment Processors:

I should say that I'm a tad disappointed with the range of payment processors offered here, as only two major processors, namely LibertyReserve (LR) and PerfectMoney (PM) are accepted.

I'll admit that LR and PM are two of the most commonly used payment processors in the industry, and payouts are easily processed through these 2 processors, but there's a rapidly declining pool of investors willing to use the services of these payment processors.

Why?

Because LR and PM offer no chargebacks (return of funds), and security-related issues have been a major shortcoming of both these processors as many hackers have managed to break into these accounts. I, for one, was a victim of LibertyReserve hacking, and all my hard-earned money was stolen in a matter of minutes. That's why many investors are starting to shun from LR, and move towards processors that offer chargebacks, such as AlertPay (AP). (Although whether or not AP will successfully recover the funds remains something to be discussed another day.)

Nonetheless, many programs, such as NanoMoneyCorp, which offered only LR and PM as well, had managed to expand smoothly despite not offering as many processors as one would like.

Contact Method & Referral Commission

Despite having a logo on the front page that says "Live Chat", it essentially just redirects you to a page where you could fill in a form and submit it to the admin. In other words, the only means of communication is via email. I must say I'm quite disappointed because many investors would like to communicate with the admin in real-time, in contrary to only communicating via emails, which would sometimes deter investors from making their best investment decisions.

Referral commission for each and every investor you introduce to AvaInv is 4%, which isn't all that bad. The average in the industry stands at around 5%.

Conclusion:

All in all, I like this website a lot. A very solid program with good prospects, potentially one of the best programs I've seen for a while. If I were you, I would jump on the bandwagon already.

Play smart and win big guys!

That's all for today! See you tomorrow with more news from the industry!

8 August 2010 - Wazzup™ HYIP News

HYIP News

Hi guys, today has been a relatively quiet day at my end.

As it seems, all the programs that I'm currently monitoring are doing well. I've been bombarded with quite a number of emails asking me to join some low-quality programs recently.

Most of those mails are not spams, though. Seems like they're just investors / admins who're desperately seeking more investors/downlines. What has become of this industry?

Nonetheless, today there will be no news from the programs I'm monitoring. I'm still actively participating in as many programs as I can, even though many of them aren't worth my time. Some collapse within a week; the rest within a month, at best.

Therefore, quite a start contrast to my previous daily HYIP reports, I would like to hear your opinion on the top few programs in the industry at the moment.

Any program qualifies, as long as it's still paying!

I'll start with my own list:

1) CherryShares - Quite obviously, this program reigns over all other programs in the industry at the moment. I honestly didn't see this baby going that far when I chanced upon it several months ago, when it first took its baby steps. Today, CherryShares ranks top in most, if not all, monitoring sites and blogs. I'm hard-pressed to find any better program than this as of this writing.

2) OilStructure - Creativity. This single element has helped propel OilStructure to the level of popularity its enjoying right now. Not that the unique script and web design are not attractive, but I think the plans offered are so creatively designed that many investors decided to jump on the bandwagon. I, for one, was thoroughly impressed with various aspects of the site, that I gave them a glowing review before anyone started looking seriously at them.

That's all for today! Don't hesitate to send me your suggestions! You can opt to leave a message on this post, the ShoutBox on the right side bar, or email it to me at safemoneyinvest@gmail.com

7 August 2010 - SMI™ Talk: Recommendations and Analysis

SMI™ Talk: HYIP Recommendation and Analysis

NOT PAYING ANYMORE

Hi guys! Welcome to another edition of SMI™ Talk. For those still unfamiliar with this special weekly publication on my blog, a list of the past editions can be found on the right side bar of this page.

Anyway, moving on to today's highlights!

Top Recommended Program for this week, which is a recommendation done based on a detailed analysis on the programs I'm currently monitoring, is awarded to OilStructure!

Top Recommended: OilStructure

Some of you might still be on the fence on this program, which I totally understand partly because I'm an investor as well. But more than that, I've been badly burned by long-term programs in the past few months, just as any other investor out there. And because that, I was slightly disinclined to participate at first. But I'm glad I finally took the leap.

"A journey of a thousand miles starts with a single step."

This saying applies to every aspect of our lives, and I think it's about time we take a leap of faith with OilStructure (reviewed here).

OilStructure is one of the better planned and prepared programs out there with a pinch of creativity -- magic formula for HYIP success. Past giants such as GeniusFunds, GoldNuggetInvest and Panamoney offered long-term, low ROI returns, and the designs, scripts, and everything else pertaining to the web site's overall presentation were unique and brilliantly done. Besides, most, if not all, of those programs had a slow growth at first, with a somewhat more aggressive advertising campaign after several months, which led to steep increases in popularity.

The same applies for OilStructure as well.

As you can see from the graph, we're looking at a steady progression on traffic, which means the site's slowly gaining popularity in the industry despite the current bleak economy. This doesn't necessarily mean that the program will emulate the success of GeniusFunds, but it's definitely on the right track.

OilStructure offers several investment plans, with principal returned at the end of investment. Nonetheless, the principal returned is based on the length of your investment; the longer you invest, the more the principal you can receive. I would highly recommend getting in now and take advantage of the site's growth.

Scam Analysis: FinalEarn

Despite FinalEarn's resilience (demonstrated by the admin's immediate reaction to the AP issue), the program has finally met its end as a result of slow growth, contrary to what the admin claims.

In the final newsletter, the admin blamed that a malicious investor threatened the program's health by causing problems on several fronts, most notably with the payment processor, AlertPay.

I beg to differ.

If you look at this Alexa graph, you can see that traffic significantly dropped on the first few days of August, which is a sure sign that funds were running dry. Couple that with the admin's decision to advertise the program through referral contest and aggressive advertisement on various monitoring sites, the funds left in FinalEarn's bank dried up faster than it should.

I blame this on inefficient monitors and unsuccessful promotion. As we're all aware by now, some monitors often slack in their duties, often times registering votes from malicious investors without even checking beforehand. Besides, some monitors (I'm not naming anyone) charge arbitrarily high prices without doing any significant work towards promoting the program. These monitors are usually big sites with high Alexa ranking, and they often use this to their advantage.

I, for one, had fun when this game was still on. FinalEarn offered a great earning opportunity for everyone, and for those who joined early, as I did, they should be well in profit already.

That's all for this week's edition of SMI™ Talk! Thanks for reading and see you tonight!

6 August 2010 - Wazzup™ HYIP News

HYIP News:

FinalEarn has finally bit the dust following an official newsletter from the admin, Allen confirming this unfortunate event. In fact, yesterday no AlertPay payouts were processed, as well as the rating page removed, which only confirmed the site's foreclosure.

Why'd I say a foreclosure? Because I think, and I believe many would concur, that FinalEarn had the potential to go a long way, possibly outlasting TruEarn even. Nonetheless, a series of accidents happened along the way, and that had caused FinalEarn's collapse.

In the newsletter, Allen didn't blame the investors or the bleak investing climate for the closure; instead, he claimed that an investor by the name of caution/Marco/Dinavas threatened the site by posting bad votes and filing a dispute with AlertPay. This eventually led to AlertPay's decision to freeze FinalEarn's AP account.

Personally, I don't think there's any way to check the validity of Allen's statement, but I do believe that AP has been slacking off recently, especially with HYIP-related issues. Some of my disputes have been placed under "On Hold" status, which means the investigation team are currently looking into the problem, for over a month, and yet I have not heard a single word from them.

This is the official newsletter:
Dear Members,
As most of you have noticed, no payments were processed the last day. The truth is, I had to close Final Earn. Please note that I really didn't want the fate of Final Earn to be like this. I really wanted to keep Final Earn running for months to come, but as most of you know, it was not something called the "bad intentions" inside me that led me to do this.
A person whose nicknames in the forums are caution/Marco/Dinavas, kept continuously making bad votes for Final Earn in most of the top monitors, and what even more worse was, this person sent a complaint to Alertpay that led the AlertPay authorities to block our account. I contacted AlertPay via a support ticket asking for the reason, and even though I waited for two days to get a reply from their side, I didn't get one. The future of Final Earn, under all these circumstances were not good, especially with what happened to our AlertPay account. That's why I closed Final Earn.
I apologize for the quick closure of Final Earn, which was quite opposite to the expectations most of you had, but please understand that, this wasn't the way I planned for. I really had so many expectations to make Final Earn the best.
Allen

I've moved FinalEarn to Scam status, so please do not invest there any longer!

Tonight I will post the highly anticipated SMI™ Talk for this week. Please stay tuned!

3 August 2010 - Wazzup™ HYIP News

HYIP News:

"Sticks and stones may break my bones, but words will never hurt me"

Seems like this saying doesn't prove to be true for FinalEarn, as some serious bad-mouthing from one of its members has caused some heavy collateral damage on the program, which includes, but not limited to, bad votes on monitoring sites and the eventual suspension of FinalEarn's AlertPay account.

Nonetheless, not to worry as the admin has solved the AlertPay issue by starting another AlertPay account. He intends to use the new account to pay off the investors profits, and the principal will be refunded via the old AlertPay account. Say if you invested $100, your interests will be paid from the new AlertPay account, whereas the initial $100 that you put in will be refunded via the suspended account.

The admin has sent 2 newsletters (yesterday and today) announcing the ugly news. Seems to me that this member is either consumed by jealousy or has his own agenda for trying to tarnish FinalEarn's image.

Or he could be both.

Doesn't matter really, because the admin has proven once again that there's nothing that will stop him from keeping the program running. I can't say I'm not impressed with the admin's abilities, because he always sends out regular and up-to-date newsletters with actual substance for content, unlike some other programs that send out newsletters for the sake of doing so.

In order to treat this problem, the admin requests that all members post their payment proofs whenever they get paid. I understand that while some members think that this is a little troublesome, it goes a long way towards helping to keep malicious voters away, and subsequently, towards keeping the program afloat.

Here are the newsletters in chronological order (old -> new) :
Dear Members,
This is a very important newsletter that you all must read very carefully. Recently, one person, whose nicknames in the forums are caution/Dinavas/Marco, has been trying to spoil the reputation of Final Earn, by continuously posting fake bad votes in the top monitors like GoldPoll.com and HYIPExplorer.com. I really do not know what the intentions of this person are, but the chances of which this person is the administrator of another HYIP program is very high, and obviously he is very jealous about the success of Final Earn.
I would like all of you to do me a small favor. In case you see such fake bad votes in the monitors, please contact the administrators of the respective monitors and ask them to remove those fake bad votes. In addition to this, please please vote for us in the monitors and post your payment proof in the forums, after each and every time you get paid from Final Earn. This is a humble request from me.
Monitors should also please pay attention to such kind of discrepancies in voting. I kindly request all monitors that have listed Final Earn on their website, to please verify all bad votes, before taking any kind of action. Monitors should please take fast action to remove all fake bad votes from their respective websites, as soon as they can, if they find any.
I'm counting on all of you for your continuous support for Final Earn.
Best Regards,
Allen

2nd newsletter:
Dear Members,
This newsletter is specially meant for all members who have made an investment in Final Earn using the payment processor, AlertPay. The AlertPay account we have been using for the deposit and withdrawal transactions, has been put on hold due to unknown reasons. I haven't missed or delayed a single payout so far, and all payout were made within a maximum of 6 hours till now, even though in the FAQs, I have stated that all payments will be processed within 24 hours. It is most likely that the AlertPay authorities did it so, due to the complaints sent in by the bad poster/voter who has been trying to spoil the reputation of Final Earn for the past one week, of which I mentioned in my last newsletter.
I have sent in a support ticket to AlertPay regarding the matter, but I haven't heard from them so far. So for the time being, I've opened a new AlertPay account in the name of my business partner, and all future to and fro AlertPay transactions will be made via the new AlertPay account registered in the name of my business partner. As of now, the following procedures will be followed.
1. All members who had made a deposit to the previous AlertPay account of Final Earn, will be refunded their original investment using the previous AlertPay account, and will be paid the interest/profit using the new AlertPay account, when they request for their withdrawal. This means that your principal amount will be paid using the previous AlertPay account of Final Earn, and your profit will be paid using the new AlertPay account of Final Earn.
2. And obviously, all members who will be making a new deposit using AlertPay from now on, will be paid the whole amount, which includes the principal and the profit, using the new AlertPay account of Final Earn, when they request for their withdrawal.
Please note that this issue is not something you need to make a fuss about, as the aforesaid issue has already been taken care of.
All members can continue making investments with Liberty Reserve, Perfect Money and AlertPay just as usual.
Best Regards,
Allen

As mentioned above, I am really impressed with the admin's abilities. The fact that he's managed to adroitly navigate through such a complex problem has proven that he's not a newbie to be reckoned with. Now, I'm not saying that FinalEarn will last forever, but all I'm saying is this problem is undoubtedly run by a very experienced admin with a very good prospect of lasting even longer.

That's all for today folks! Tomorrow will be another edition of SMI™ Talk, which discusses some crucial issues in the industry along with my top programs for the week!

Stay tuned, and stay cool!

2 August 2010 - Wazzup™ HYIP News

HYIP News:

The highly anticipated newsletter from FinalEarn has finally been released! The admin makes specific mention about the:

1) Malicious intentions of members/admins from other programs
2) Cancellation of referral contest


FinalEarn can be considered, in relation to other programs out there, the most popular short-term program in the industry as we speak. This is achieved after only about 16 days online, which is definitely awe-inspiring and admirable. Along with popularity comes the Green Eyed Monster (read: jealousy) as well, and according to the admin, some jealous monitors and admins are trying to bring them down by placing negative votes. He hopes that you will place your faith in the program and ignore those votes. (I don't believe in voting on monitors because anyone could write and vote for anything under the sun)

If you recall, several days ago the admin announced that he would start another advertising campaign to boost FinalEarn's popularity. However, as it seems, the program has achieved sufficient industrial exposure, and that has allowed the program to run smoothly, for the time being. As such, the admin has decided to abort the 2nd referral contest, and focus, instead, on purchasing advertising banners to promote the program.

Details of the newsletter are here:
Hello everyone,
This is me, your Final Earn administrator, Allen. As you all know, Final Earn has been online for over two weeks now, and it's obvious that, Final Earn has attained the heights of popularity within a blink of an eye, due to the hard and sincere work I put in, and the continuous support I'm receiving from my members.
As you all know, whenever something on this earth gains popularity and reputation by it's good deeds, there will always be some negative powers which will try to take it down. That's the way some people, possibly the administrators of some other programs, are trying to do with Final Earn. Due to the enormous popularity and growth Final Earn has been receiving from the very beginning itself, some jealous people are trying to spoil the reputation of Final Earn, by making bad votes in monitors, and posting negative comments in forums.
At this point, I would like to tell you to please ignore such negativity about Final Earn, if you happen to find it somewhere. I'm doing my level best to make Final Earn the best of the best, and I assure you that I'll continue to do my part, sincerely and loyally, with utmost perfection. In return for what I'm doing for you, I would like to see you doing your part by voting for Final Earn, in the monitors, and by posting your payment proofs in the forums, after each and every time you get paid. It's a humble request from my side, and will help Final Earn to grow even stronger. Together as a team, we can show the people who are jealous of the success of Final Earn, that we are unbeatable.
In the last newsletter, I mentioned that I'll be starting the second referral contest very soon, but since the first referral contest was a huge success, and also since Final Earn has managed to become popular within a very short interval of time, I don't think it's necessary to conduct another referral contest anytime soon, but rest assured, I'll be conducting some interesting contests in the future. Just to let you all know, I have stepped up the advertising campaign to the next level to give more exposure for Final Earn.
I guess that's all I have to say for now. Please do keep in mind to vote for Final Earn, in various monitors, and to post your payment proofs in various forums, after each and every time you get paid.
Have a great week !
Best Regards,
Allen

I have joined a few promising long-term programs that look set to lead the industry towards recovery. I'm not saying that these programs will last indefinitely, but the potential to be the next giant for one, or even two, of these programs is definitely there.

I'll only introduce a couple of them for now :)

First off, it's AvaInvesment Inc (AvaInv), a very well-prepared and polished site that offers daily and weekly plans with no principal return. The site runs on a dedicated server by one of the top hosting companies in the industry, Dragonara with Ddos protection. With that said, security is top-notch here. Besides, AvaInv has been online for a little over 6 months now, and so far so good it seems for this team. I'll elaborate further on the details in my upcoming review of AvaInv!

Coming up on for 2nd bat is Flamanta, a program that has raised many curious eyebrows. The program's web design is very interesting with hints of blue, which reminds me of GeniusFunds. And it seems I'm not the only one, because many have already jumped onboard. Plans offered are paid daily with interests ranging from 1.72% to 1.92%! Most will definitely find something in this one, but if you don't, don't worry because there will be many more in these coming few months emulating such a program. Nonetheless, keep your eyes on this one because I sense something good going their way soon.

That's all for today folks! Thanks for reading!

1 August 2010 - Wazzup™ HYIP News

HYIP News:

FinalEarn has finally concluded it's referral contest yesterday on a successful note. I'm pleasantly surprised to see that the admin of FinalEarn has managed to pull off such a successful contest -- to have over 3,000 members and over 300+ active members during the campaign. Over $950 have been credited to the winners' accounts.

Now, some members claim that FinalEarn is having 2 successive referral contests back-to-back, which isn't exactly true because the admin announced that the 2nd referral contest will be held on 2nd August and will end on 10th August.

I won't speculate further on whether or not this is a sign at the moment, but there have been programs in the past that had successfully pulled off such a feat.

I'll probably comment more on the matter after the admin officially announces it, which should happen sometime tomorrow.

Here are the details:

Hello Everyone,
I am very glad to inform you that our Referral Contest was a big success.
We now have over 3,000 members after the event and I'm very happy with the results.
The contest was started on July 25th and and ended on July 30th, 2010.
Let me first say sorry for sending this update late as I wanted to make sure that no one cheated and I have to check personally if the results were authentic or not. Some referrers are refering themselves and actually have more referrals than one of the winners but we checked and investigated further that there was cheating employed so I had to weigh all the circumstances and wisely determine who are the reals winners.
Now lets continue with what you've been waiting for....the Referral Contest results!!
And the winners are........
First Prize winner is Hyipexplorer. This user won $300 for having 102 active
referrals during this period . Hyipexplorer is one of the most famous monitoring sites .
Second Prize winner is HighProfit who won $100 for having 77 active referrals
during this period. This user advertised in his own Blog and site.
Third Prize winner is was moneynews who won $50 for having 60 active referrals
during this period. This user is advertised Final Earn on his own Hyip Blog/Monitoring site .
For our Special Prize...
Congratulations to user NeoBux2 ( Mike ) !!!
He won $500 for having more than 50 active referrals to become our special winner during this period.
This user started advertising in PTCs, Surf s and Bux sites .
He has 115 active referrals in this period .
All prizes has been added to these lucky winners Final Earn Account .
We thank them all for their efforts in garnering the best promotion.
We likewise thank the others who have spared time to promote us.
Do not be disappointed if you did not win this time.
Who knows? You might be the next lucky winner on the next contest.
New Referral Contest will start again on August 2nd and will end on August10, 2010.
I will be sending another newsletter for that tomorrow.
This will be all for now again and stay tuned for my announcement tomorrow about the new contest details.
So long and keep on promoting your favorite site...Finalearn , com
Best wishes to all Final Earn Members!!!
Best regards,
Allen ( your Servant )

Some good news from CherryShares, which is another one of my Top Recommended Programs at the moment, that the admin has recently celebrated the birth of his baby girl, and that recent upsurge in Apple (an electronic company) product sales has marginally increased the program's profit.

I extend my warmest congratulations to the admin, Dane! He must be absolutely thrilled, as would any father, to see that such a fragile, beautiful being could ever exist.

Here are details of the newsletter:

My Dear Members and Investors,
Take a deep breath, I have a ton of good news this summer.
First, after many months of pregnancy, the big day finally arrived. I have a baby. I cried while I held my girl for the first time. Tiffany, weighing 8 lbs 5 oz and measuring 18 inches long, I felt so loved.
Good news on the earnings front. Mainly due to strong sales from the iPhone 4 and iPad from US to different countries, earned income fluctuates between 30% and 50%. This is the income from each contract!
Apple CEO Steve Jobs said `we have amazing new products still to come this year` and he really did. I have very high confidence that we will make significant progress toward in selling. Yeah, we stand strong, even in the time of crisis!
`Will women send their husbands to the Apple store to buy iPads?`
Sincerely yours, Dane W. Wolf
Managing Director”.

That's all for today! Thanks for reading guys!