4 October 2010 - UniteTrade Updated Review aka Latest Review

Hi guys! Following a slew of off-season programs, we’re finally seeing glimpses of things getting back on track! (High-5 to that! Lol) To start things off on a good note, I have 1 program that has lasted over 1 and a half years, 1 program that’s still paying extremely high profits for 180 days, 2 that have been paying since the beginning of summer 2010, and several other that have been flying low under the radar, yet have managed to survive over 150 days! I think that’s a pretty remarkable achievement, don’t you think?

Anyway, back to the important question of the day, and I’m sure it has popped right out at you in my introduction, which HYIP has been paying “extremely high profits” (which means 120% and 150% within 15 days) for 180 days? Well, as you’ve guessed, it’s UniteTrade! I wrote a review on this program several months ago, and you can compare how it was several months ago to how it is today. If you, like me, find that this one’s still worth investing in, then read on!



Here’s the link to the review, which is also available on the sidebar:

SMI - UniteTrade First Review (4 Months ago)

After being 180 days online, there are few significant changes that I’d like to note:

1. Account Info: If you wish to change any information, such as payment processor ID, email address etc, you would have to inform the admin in order to have it changed.


2. Telephone support: This is a major update, in my opinion. There are so many short-term programs out there offering ridiculously high interest rates, yet fail to address one single issue -- communication.

Apart from that, much has remained the same, which isn’t a bad strategy at all. I mean, why would you want to change a winning game?

First of all, the plans are still the same ‘ol.

1. 120% After 7 Days


• Pays upon expiry


• Min: $5 Max: $5, 000




2. 150% After 15 Days


• Pays upon expiry


• Min: $100 Max: $60,000

I’m pleasantly surprised how these two plans can keep a program afloat for 180 days! That’s another big mystery in the industry – some programs cannot last for 2 weeks even if they’re offering 0.5% per day, yet you will find some excellent programs lasting over 3 months offering 150% after 15 days!

My personal opinion on this, that why some programs are able to last longer than others, is that the admins are serious in what they’re doing, and know what they’re doing. What that means is, the admins make analysis based on their financial state, and decide how to allocate the funds accordingly.

In its purest form, a HYIP can be divided into paying members and advertising. (For those screaming that there are programs that invest in FORex and whatnot, it’s time to get real.) So if a program can divide it in the right proportions, I don’t think anything is unachievable.

Moving on, there are only 3 payment processors accepted at the moment. And that magical number 3 has been sustaining the program for all this time. On the website, I’m sure many can find banners of StrictPay, SolidTrustPay, LibertyReserve etc. But for some of you who are unaware, StrictPay is approaching scam status, and I don’t think anyone would use it ever again. Likewise with SolidTrustPay, as they’ve been having constant issues. Therefore, admin’s decision to not accept those payment processors is, in fact, a very wise decision. So right now, there are the 2 original payment processors from day 1 – PerfectMoney and LibertyReserve – and now they’ve added AlertPay (verified).

The program is still being hosted by Staminus with solid Ddos-protection from DdosWhiz. This is another factor that keeps UniteTrade on Paying status. This is a clear example of value-for-money. Rather than spending over $1000 per month on hosting by BlockDos, for example, even though it’s top quality service, you’re not getting your money’s worth. Choosing a good host, such as Staminus, and then hiring the service of DdosWhiz, which is another reputed Ddos-protection provider, saves money and provides excellent service. Peace of mind for half the price! Best of both worlds!

Telephone support is has been implemented as we speak, and I think many programs have overlooked, or ignored, this essential aspect of a program. Communication is as important as getting people to invest. Because the program is getting trust from people to invest in them and the only way to get trust is through reliable communication. Support through email has been a staple in the industry, and so is LiveChat, but enabling telephone support greatly aids UniteTrade in sending a credibility card to all the members. For better or for worse, this is definitely a move in the right direction in my book.

Alexa is another crucial factor that I’m including in my analysis. So far, UniteTrade is positioned at 80,000, and that’s a good number. Not too popular, as that would inevitably bring along impending scam, and not too unpopular as to not getting enough attention. This is a result of good planning on the advertising front.

SSL-login is provided as well, and this is an important feature many investors look for because it prevents hackers from hacking into the server and steal the investors’ financial information. A highly recommended feature to have on any program, as a matter of fact.

All in all, I think UniteTrade has carried the HYIP torch responsibly for the past 6 months already, and it’ll still have a few good rounds to go, to say the least, due to the above reasons.

*NB: A contest is being held on MNO's forum as well, where the first person to answer the admin's question correctly will be rewarded with a cash prize!

Happy investing, and see you tomorrow!

29 April 2010 - HydroFunds Review

Hi guys! The review today comes at a very appropriate timing, in my opinion because I've been watching HydroFunds for quite some time (since the first day of launch actually) and I am thoroughly impressed with the admin's work ethics and more importantly, the site's near flawless performance.

HydroFunds is a wild child in my opinion. And by that, I mean it's a different, one-of-a-kind HYIP that the industry definitely needs to see more of. The admin, Kevan, or more commonly known as Alzander in the industry, is a straightforward person who has nothing to hide. From the way he presents the site to the way he handles things, Alzander doesn't conceal anything from his investors. In fact, he openly admitted his identity on the front page of the program. What this means? I view this as his commitment and sincerity in running an honest game that provides the investors with a true opportunity to earn. I believe we've seen our shares of dishonest and downright disgraceful scams over the past few months, so Hydr0-Funds definitely comes at a timely fashion to restore our faith in having an honest admin.

If you take some time to browse through the FAQ page, you'll find that Alzander stated there the various outside income sources that will help to keep Hydro-Funds' cashflow as fluid as possible. Among others, funds from Alzander's own monitoring site, which you can see here, his online "casino" game, on-site advertisements and Pay-To-Click will go towards sustaining the program. One thing I like about this particular facet of Hydro-Funds is that if Alzander is truly honest, which I think he is, the program does have outside income sources that will prolong the site's longevity. The site doesn't have to rely entirely on fresh funds; instead, the admin can look to other income sources whenever the funds are low, and then he could change the payout percentage accordingly as well in order to give the site some time to recover. I think based on these 2 crucial points, Hydro-Funds is a potential HYIP winner already.

But wait, there's more to the site than just an upfront admin.

HydroFunds is on a dedicated server with a licensed script from Neversay, which is one of the most secure scripts in the market, site design by the all-loved Doris, and Ddos hosting by Koddos. Even though I know this might not be of much use for you, but I estimated the cost to make HydroFunds, and it should be something like this:

Script: $120

Template/Design: $150

Koddos: $140/month

Total = $410

HydroFunds offers 7% daily for 18 days, and this is the only plan on offer. This, essentially, nets you a profit of 26% in 18 days, which isn't too bad at all, considering the fact that you're not investing with someone whom you have no idea about and could scam anytime. The minimum to invest is only $3, whereas the maximum is set to $900 Per Account. Many members were confused when this policy was put in place, but the admin clarified that the maximum of $900 is set for each account. This means you can either invest the whole $900 from LibertyReserve or $500 from LibertyReserve, $200 from PerfectMoney and $200 from StrictPay. But the main point here is each account can only upgrade up until $900, and you cannot invest more than that at the moment. The admin is looking at increasing the maximum cap, but he admitted that things will slowly fall into place on their own. I think one thing that sets Alzander apart from other admins is the fact that he owns a monitoring site, and he has his bread and butter on the line here. If the program shuts down prematurely, investors will simply stop joining his monitoring site, and this would just lead to a heavier loss than he would've liked if he had chosen to keep the HYIP up. Thus far I've been getting almost instant (within 2 hours, an hour and a half at the most) payouts.

A good variety of payment processors is accepted as currently HydroFunds only accepts LibertyReserve, StrictPay and PerfectMoney. The admin's decision to not add AlertPay in the first place is a clear indication of his experience in the industry -- he knows AlertPay has been very strict with verified accounts, so Alzander could risk having all his funds frozen in there despite his not doing anything wrong. This is the HYIP world; sometimes you lose for not doing anything.

A regular 5% commission is offered here, but contrary to other sites out there, you would need to be an active member in order to earn referral commission.

That's it for today's review, and before I end this post, i would like to point out some important aspects of the site that you should pay attention to.

Pros:

Honest admin

Sustainable plan: 7% for 18 days

Outside income sources

Fast payment

Reasonable cap ($900) to prevent hit-n-runners

Cons:

Only 3 payment processors accepted

Could use a better hosting provider

Live Chat and SSL-encryption not provided

No phone support

That's it for today folks! I'll see you later with more news on my Wazzup™ section!

25 April 2010 - MoneyMakersGroup Review

Hi guys! Today I bring forth another high quality short-term program which I think will make a splash in the industry soon, and that's a loud SPLASH too!

This new HYIP is called MoneyMakers-Group, and if you're a regular player, you should notice that the name bears a striking similarity to MoneyMakerGroup, a famous forum that I myself often surf. As I've had some experience in Search Engine Optimization, I think the reason the admin chose such a name is to ride on the forum's popularity. If you google the name right now, 9/10 results will direct you to the forum. But down the road, perhaps MoneyMakers-Group will end up on Google's front page, along with the forum as well. A pretty smart strategy I would say, but that's merely my own rationalization. I'll try to get the admin in an interview so that he could clarify that.

This is a straight-up-no-bullshit game, and the admin is not afraid to admin it since there are no details about their trading activities, or how they make money from the investors' deposits. While some investors might choose to stay away from such a program, I appreciate that the admin wants us to know what we're getting ourselves into. In my past experience, such programs have often prospered.

There are 3 plans on offer right now:

10% daily for 12 days - Min: $10 Max: $99

11% daily for 12 days - Min: $100 Max: $999

12% daily for 12 days - Min: $1000 Max: $10,000

The program runs on a daily withdrawal basis, so that significantly reduces your risk in case things go south. Couple that with 5 most-commonly used payment processors in the industry, namely AlertPay, LibertyReserve, PerfectMoney, StrictPay and GlobalDigitalPay, I think we have a winner here.

MoneyMakers-Group is hosted on Staminus with Ddos protection from Koddos, and a standard script from Neversay. For those who are not familiar with Neversay scripts, the investment usually goes in blocks of $5 or $10, and in this case, it's in blocks of $1 only.

In my opinion, MoneyMakers-Group is a solid and very well-planned program that we've yet to see for some time already. One of the reasons I think this program will play out well for the early birds is that the simple fact that they offer daily withdrawals will attract many investors, and having verified AlertPay account is also a huge plus, especially since AlertPay is implementing strict rules and regulations on verification process at the moment. Besides that, the admin has already contacted me for monitoring services, and I think he's already on towards the site's advertising campaign, so I wouldn't be surprised to see the program's banners on various major forums and blogs and monitoring sites.

Many have caught on with this program as well, most likely due to its interesting and highly catchy name. Some might associate it with MoneyMakerGroup forum, but let me assure you that they are not related. Maybe the admin will have some business transactions with MoneyMakerGroup, but that's purely for advertising purposes. I don't see any other reason than that.

MoneyMakers-Group offers a lucrative 6% referral commission, which is 1% higher than the usual 5% offered by average programs. On-site security is pretty reliable as admin uses SSL-encryption from Comodo.com, and this helps to protect your sensitive information from being stolen by hackers.

In conclusion, this program gets a resounding Yes from SMI, and should you decide to join, I would highly recommend joining right now while it's still young and kicking. As we all know and are well aware of, usually only the early birds who will get the big, fat worms in this industry.

15 April 2010 - ManorTrust Review

Hi guys! It's been quite some time since the last review, and I must say, things are looking slightly better now (even though I wouldn't necessarily call it back to the good ol' days just yet) with the launch of several quality programs in the last few weeks. In fact, today's review highlights one of the better programs in the industry at the moment, with a real potential of going the distance. It's a mid-term, mid-ROI program launched just 9 days ago, and that means there's still a great opportunity for you to get in and make some decent profit for yourself. The name of the program is ManorTrust, and let's take a good look at what the program offers.

ManorTrust is hosted on a dedicated server by BlackLotus, and while I acknowledge that many claim that BlackLotus is a good hosting company, it is actually just a benchmark, a standard in the industry at the moment. What I'm trying to say is that there are many other better hosting companies competing for the same slice of pie right now, and I simply don't see how BlackLotus is differentiating itself from the competitors. But to their credit, BlackLotus has had a long history of being able to mitigate Ddos attacks in a relatively short period of time. Therefore, downtimes, while simply being an integral part of the HYIP industry, can be expected to be at a minimum. Besides that, ManorTrust uses a licensed script by GoldCoders, which is another standard, albeit of a better quality, script in the industry. There are several scripts in the industry that are used more often than the rest, such as Goldcoders, Neversay, and Gotenks. I'll write a short post on that tomorrow so that you guys will have a better idea of the pros and cons of some of the scripts used.

ManorTrust offers only 2 plans at the moment, and while I think those two plans are very attractive in their own terms, there's only 1 plan that suits the average investor's budget: 2.4% for 70 calendar days with principal returned upon maturity. The other plan, which offers a higher and more lucrative interest of 2.8% for 70 calendar days with principal returned upon maturity as well, will set you back $10,000. For the first plan, you'll recuperate your principal after 42 calendar days (Monday - Sunday), which is approximately a month and 12 days. You'll be reaping pure profit from then on, and upon maturity of your plan, your principal will be returned as well. That comes up to a net profit of 168% in 70 days. If we take into account the principal that will be returned at the end of the term, we're basically looking at 268% in 70 days. To put it into perspective, you're making about 3.82% a day on average.

The limited number of payment processors accepted is, in my opinion, a slight dent in their otherwise very finely-polished portfolio. ManorTrust claims to invest in emerging economies with a group of experienced investors who seek and sift through different investment opportunities in order to find the best deal for your money. (well, that's the outline basically :p) Currently only LibertyReserve and PerfectMoney are accepted, which literally make this a not-so-attractive deal for some investors. We're all aware of the security of LibertyReserve's accounts, which is definitely not up to par with the likes of AlertPay and StrictPay. I hope the admin will revise the payment processors accepted in the near future and I'm having a very positive expectation of this site because the site itself has already announced that more payment processors will be accepted soon.

A few days following the site's launch, the admin has announced that they are based in Seychelles with a certificate of incorporation to backup their claim. Indeed, a screenshot of their document is now available on their home page. You can just scroll your mouse to it and make a left-click to view the document. Despite what many may claim as the admin's unethical approach towards soliciting trust from the investors, I see it as an honest effort at trying to keep the cash flow fluid. It is open secret that HYIPs rely on fresh funds to keep the cycle running; the more funds, the longer it runs. (it actually rhymes, lol!) I can't believe SafeMoneyInvest is good at rhymes! As of this writing, ManorTrust has a sticky thread on most major forums and the Alexa ranking is showing a steady climb from over 1million+ 9 days ago to 300,000 right now. I think Alexa ranking provides a fair gauge of how many visitors drop by a certain site and how often each visitor revisits the site. There's quite a lot to say about such a method of evaluating a site, so I'll save it for another day. Besides, ManorTrust has SSL-encryption on the site as well, which you can check by the URL as it starts with https instead of http. In case you're not familiar with the term SSL-encryption, it's basically a security-enhancement software that encrypts and protects your information from the hands of malicious online hackers.

In conclusion, ManorTrust is a very well-prepared site with a profitable and sustainable plan that should be included in your diversified portfolio. Remember that any HYIP is only a money game; draw out your investment plan and stick to it accordingly. That has worked for me in the past, and I'm sure it'll work for you just as well.

That's it for today folks! I'll see you later with more news in Wazzup™ Daily News.

8 April 2010 - UmbaFund Review

**Promotion 80% Referral Cash Back**

Hello guys! Today I would like to review a short-term high roi program that seems promising and perhaps will ring in a decent profit for you as well. The program's now 5 days online, and already the admin has purchased a sticky thread on MoneyMakerGroup forum. While that may not guarantee that the program will last long, it does at the very least indicate that the site has deep reserves to promote and the admin is serious in getting his/her program out there. Without further ado, let's introduce today's main character: UmbaFund!

UmbaFund, as stated on the banner above, pays up to 25% daily for 15 days. But the actual payment plans on offer are separated into 4 different plans, namely:

Plan 1: 15% Daily for 15 days Min:$1 Max: $Unlimited

Plan 2: 20% Daily for 15 days Min:$2501 Max: $Unlimited

Plan 3 : 25% Daily for 15 days Min:$5001 Max: $Unlimited

Plan 10: 200% After 7 days Min:$20 Max:$Unlimited

As some of you might have noticed, the forth plan is called "Plan 10" instead of "Plan 4". Wonder what happened to the 6 plans in between..Lol.

But anyway, back to the review. The first three plans pay out on a daily basis, while the forth plan pays out upon maturity of your investment. Note that as UmbaFund does not have a script, payouts will be sent directly to the e-currency account you deposited from. The time of payment is set at about 7.20pm (GMT -8). The minimum to invest in Plan 1 is merely $1, and this will translate into more deposits going into Plan 1 than any of the other 3 plans. The 2nd and 3rd plan are definitely seeing fewer investors as it would set you back $2,501 to get into Plan 2; whereas Plan 3 will set you back $5,001. For Plan 10, however, I think it will be quite popular as well because there are a number, albeit a small number at that, of risk-loving investors who would expect the program to at least run for more than a week judging from its current performance. Note that the statistics on UmbaFund's front page reports that the total deposit amounts to $206,000+ after just 4 days online along with 1200+ members. Now that's a very, very impressive statistics if it is true. I came to find out that the statistics are easily manipulated from the admin's back office, so please do not place too much emphasis on the site's stats; they can be deceiving at times.

UmbaFund has a simple design which is clearly focused on its primary business model: a ponzi. In my humble opinion, not a single company in this world is capable of promising a daily return rate of 1.2% for 5 days a week. To be honest, any experienced investor who reads, or even has read, the Wall Street Journal will tell you that any investment that promises 1.2% interest return a day or even 0.8% interest return per day is plausibly a ponzi prospect. Nonetheless, UmbaFund seems like the typical HYIP program that places heavy emphasis on quick payouts, high returns and large deposit — no fine print, no strings attached. In my opinion, it's the ultimate money game.

UmbaFund does not have a specific script installed, therefore reducing the hassle of logging in for members. Some claim that a no-script site is better suited for HYIPs these days for the very reason that no script means no back office! And having no back office means hackers do not have anything to hack into, which translates into a safer investing environment rid of hackers. Recently many programs collapsed due to claims of prevalent hack activities online. Two of such programs are BJ-Investment and Harmonic Market, both of which seemed like promising sites that could offer an actual opportunity for everyone to earn. For those who lost with these two programs, you have my heartfelt condolence. Perhaps UmbaFund will make up for the loss you incurred? :)

UmbaFund is hosted on a dedicated server by BlackLotus, a fairly popular hosting server in the industry. I have not personally engaged in a conversation with the technical team at BlackLotus, therefore I do not know much about how safe their Ddos-protection service is. If it is of any consolation, however, I do know that BlackLotus was one of the most popular hosting servers in the industry several years ago. Nonetheless, I believe BlackLotus is fully capable of handling low-to-mild Ddos-attacks without any problems.

UmbaFund currently accepts only one form of payment: LibertyReserve. If you do not have a LibertyReserve account yet, you can set 1 up easily by clicking on this link and follow through with the steps provided. UmbaFund offers a highly lucrative referral commission for each referral you refer: a whopping 10%! If you invest $100 in Plan 1 and you refer 10 people who invest $100 each, you would be receiving 325% in total profit (including your principal). For a limited time only, UmbaFund is offering 10% extra bonus to your deposit if you invest more than $500. The bonus will be credited directly to your deposit. This promotion will only last for the month of April. (I doubt that it will last any longer than that anyway)

Before I end this review, I would like to remind you that Greed, if left unmanned, often consumes your mind. So please do not invest blindly — do your own due diligence, such as reading forums and blog reviews, plan your investment goals properly, consult some of the senior investors prior to investing, and you should be well on your way to making a decent profit from this money game.

Until then, see you guys!

5 April 2010 - XZFinance Review

EDIT April 6 2010: XZFinance has stopped paying already. I didn't receive my payout this morning, and this could very well mean the end of it.

Hi guys! It's been a while since I've last published a review hasn't it? Well, today I'd like to introduce a short-term high ROI program that is on its way towards claiming the title as one of the most successful short-term programs in the industry at the moment. If you have not heard of the name yet, it's called XZFinance. I've mentioned this program several times in my Wazzup™ Daily News section, but today's the official review of the program.

XZFinance is another advocate of a scriptless HYIP program, as this site doesn't have a script as well as a back office. In retrospect, some might consider this as a pro because if there's no back office, there's no space, or perhaps even the reason, for hackers to intrude. This, of course, translates to a more secured and reliable site. The design is simple and user-friendly; in fact, I think I've talked to the designer before. But I can't exactly recall his name..Nonetheless, it's not a customized design. I would estimate the cost to buy such a design to be around $150 to $200, which is the market price.

XZFinance started off offering only 2 payment plans, and they added another yesterday. The 3 payment plans on offer right now are:

20% Daily for 7 Days

160% After 7 Days

140% After 4 Days

The minimum to invest in each plan is a mere $5, with caps set at $5,000 per plan.

As you know, daily plans have been a major hit with investors this year. Most people, myself included, are aware now that any program might collapse any day, more so than we were 6 months ago. Therefore, a daily plan, which effectively reduces our loss by quite a margin should the program decide to scam prior to completing the cycle, is now one of the most welcomed plans in the industry. I myself invested in the daily plan for 2 simultaneous cycles, ie. investing several days right after my first deposit. My reasoning for doing that? I couldn't get myself to invest $200 in a program that I didn't know whether or not it could even last for 5 days for me to recuperate my principal. However, after 2-3 days being the company, somehow I had a deja vu that they would keep the momentum up for at least another cycle. Now I'm already at +$50, so everything from here on out will be pure profit. And I still have 5 more days to go.

Some investors wrote me emails describing their concern for the newly introduced plan. Does this mean the site is facing cashflow problems?Is the site closing down soon?Should I reinvest? These are some of the questions I received today. My answer for you guys is I do not have a concrete answer because I do not have concrete proof to show whether or not they are having problems. As in all cases, most bloggers or monitors predict a site's actual financial health by making unbased, unproved predictions. In my years of experience, it is rare, but not unheard of, to see a program lasting well over a few months after introducing a new plan in addition to the current high-ROI plans on offer. However, those successful stories are few and far between. I may be wrong, and I really hope this site would prove me so.

XZFinance started off with a hosting service provided by Dragonara. That was one of the primary reasons I chose to invest with them. That was the attraction point. If that wasn't enough to attract its own fan base, XZFinance decided to step up a notch by officially switching over to BlockDos a couple of days ago, which usually costs at least $1000 just for hosting, and another $1000 for the setup. But I would say that's money worth spending as it ensures both security of the site and the investors' peace of mind. BlockDos is arguably the best in its field at the moment, and I've had so many successful experience with sites that chose their service that I'm very happy—elated, actually— to see XZFinance choosing them as well. Total cost of installation: $2,000.

Choice of payment processors accepted is open to LibertyReserve, StrictPay, SolidtrustPay, GlobalDigitalPay and PerfectMoney only at the moment— a huge let down for some investors who swear by AlertPay. I mean, look at XZFinance: It's hosted on BlockDos (something unprecedented for a short-term program), offers highly lucrative payment plans, pays on time without hiccups and as the site doesn't have a script, hacking is not an issue as well. If the site includes AlertPay as one of the options, XZFinance would be near flawless in terms of the site presentation and potential. Therefore, if the admin is reading this, I hope he/she will heed my advice and offer AlertPay in the near future. I'm really excited about the site's future growth already by just thinking about it!

XZFinance offers 10% referral commission for each active referral you introduce to the program. As some of the readers are unfamiliar with such terms, I guess I'll just explain it once again. Referral commission is a bonus that a site pays to you for your service of recruiting people for the site. Eg. If you refer someone who invests $100 under you, XZFinance pays you $10 as a bonus for your contribution to the site.

No SSL-encryption or Live Chat option available here, and that goes to prove another point that I've been advocating for some time: A good program doesn't need all the fancy stuff to succeed— it only takes a good admin, a good site and a good member base. In my opinion, if a site relies too heavily on such superficial offerings such as SSL-encryption (something which is entirely unnecessary in helping prolong a site's longevity), that just shows the admin's trying too hard. And that naturally translates to a short scam.

The admin's decision to introduce the third plan is debatable, but I cannot deny the fact that XZFinance is one of the better quality programs out there right now. But be careful because I smell foul play in the coming days.

28 March 2010 - CredexFinance Review

NOT PAYING

Hi guys! Today I introduce yet another low ROI long term program that will hopefully suit your investment taste. The company claims to be based in Santiago, Chile with a document of establishment available for download on the front page. They invest in FoRex (30%) and international commodity exchanges (70%).Without further ado, welcome CredexFinance!

The program is now online for 46 days and perhaps some of you may have already heard of the name prior to this posting. Perhaps this posting will help you notice that CredexFinance might offer something different from the crowd..

Anyway, CredexFinance offers 5 payment plans with the first being a trial plan. The first, aptly called the Trial Plan, pays 1% daily for 20 days. The minimum to invest is only $10 and caps at $100. Next plan is called the Starter Plan, and it pays 1.5% daily for 90 calendar days (Mon-Fri). If you have more funds and wish to take advantage of the program's high returns, you can choose the other 3 plans which start at $500, $5000 and $15,000, and pays 1.8%, 2.1% and 2.5% respectively. Your principal is returned to you upon expiry of your investment. Compounding is offered here, and I would recommend taking advantage of it and using it to maximize your profit. Of course, the question lies in how you utilize it. Personally I'm in the 90-day plan, and I chose 100% compounding for the 1st month, and I'll change it to either 50% or 0% for the next two.

Payment processors accepted are AlertPay, LibertyReserve, StrictPay and PerfectMoney. Flexible enough for the majority of investors, and definitely a plus point in the long run. Payouts are processed manually within 24 hours upon request, but the payouts are usually done much faster than that. I'm sure most investors are "spoilt" with instant payouts, with the launch of Euronanoinvests and ProsperityWallet which pay instantly upon request. A manual payout ensures that no cheating goes around in the system and the admin can manually verify the validity of each request.

Charity, an integral part of humanity for helping others who are not as fortunate. CredexFinance claims to partake in charity and they shell out 2% of their net profit each month to help out those in need. Non-profit organization like World Wildlife Federation, The Global Fund to Fight Aids, Tuberculosis and Malaria, and children hospitals in Santiago. The same approach was used by GoldNuggetInvest, but the difference is GoldNuggetInvest offered it as an option for the investors; CredexFinance takes out 2% each month, regardless of what the investors may or may not think, and donates it to charity. Personally I'm a charitable person, but I would definitely appreciate it if CredexFinance has proof to show that our hard-earned money is going to parts of the world that need our help. CredexFinance also posts trading results on a week-to-week basis consistently, with the trading reports of the last 6 weeks available for your perusal on the site's "Trading Results" page. Besides that, CredexFinance also offers 5% referral commission for each active investor you introduce to the program. You do not need to have an active deposit in order to earn, which is a great plus point to prolific head hunters who like to do what they do best — refer people!

CredexFinance uses a licensed GoldCoders' script and hosts the site with the service of HostKitty Internet Services. Not at all a common name in the industry, but heck, if the site's running smoothly, I don't mind if the company's hosted on Hostkitty or Hostdoggy. At least the program's up and running without a hint of Ddos attack. The site is also on a dedicated server with SSL-encryption, which enhances the on-site security.

In conclusion, I think CredexFinance is a quality long-term low-ROI program that is neither a run-of-the-mill program nor is it an exceptionally excellent HYIP. The opportunity to earn is definitely there, and you will greatly enhance your own opportunity if you join in early.

Points to note:

SSL-encryption

Compounding is offered

Only 46 days online — good chance to make a profit

Manual payout

5% referral commission

Thanks for reading folks and hope you enjoyed the review!

27 March 2010 - ProsperityWallet Review

NOT PAYING

Hi guys! Today I bring forth a program that will hopefully make your wallet prosper, as do your health and online money-making career. ProsperityWallet is the name, and 12 days online has it been. I like this program a lot for various reasons, which I'll discuss further in the review. But before we start, I'd like to mention that I offer a referral cash back of 80% if you join under me. Eg: If you sign up under me and invest $100, the commission I receive is 5% = $5. I will pay you $4 to thank you for joining under me. :D Essentially, you will be making $25 (after 5 days) + $4 = $29!

Anyhoo, let's not get carried away....yet :p

ProsperityWallet offers only 1 plan, and I think that's quite enough for the program to attract its own investor base. ProsperityWallet offers a lucrative 125% after 5 days with principal already included in the payout. Note that this is an upon-expiry investment, which means your total profit will be credited after 5 days. At first glance, I didn't think too much about the plan as I was focused more on the design and hosting. But after doing some calculation, ProsperityWallet giving you a chance to earn 150% in 10 days, which is a very, very, very lucrative payout. In fact, you can earn more than 150% in 10 days if you choose to compound your investment upon expiry. You can do so from the back office, and that saves you the receiving fees, which maximizes your profit at the end of the day.

Payment processors accepted are above average as they accept LibertyReserve, AlertPay, StrictPay, PerfecMoney and GlobalDigitalPay. A healthy mix of different payment processors will definitely be a huge boon for the program in the long run as they have a smoother cashflow as compared to a program that accepts only LibertyReserve. You can choose to either deposit via payment processor or from your cash balance, which brings us to a very pertinent information that you should take advantage of: compounding. As you can choose to reinvest from your cash balance, this saves both time and money. And it'll increase your profit as well. Example: If you invest $100 on the first day, you would've made $125 after 5 days. Say that you choose to reinvest the $125, you'll be making $156.25, which is 56.25% in 10 days! Of course, by utilizing such an investment strategy, you'll be exposing yourself to a much higher risk. But by proper risk-management, such as investing early in the game (it's only 12 days old, still a chance for you to make a profit) and using payment processors that allow chargebacks in case things go south. Arguably, the extra 6.25% may not be worth the risk. I'm just mooting another way of investing. At the end of the day, it is your money, so invest wisely is my best advice.

ProsperityWallet uses a licensed script from GoldCoders, a customized one in fact, and it's hosted by Staminus. I really like the template as it's clean, neat and quite an eye-candy in fact. An added touch on the latest transactions seems like a good marketing move on the admin's side as it will definitely be easier for investors to do their due diligence, ie checking out the latest withdrawals, how much people are putting in and such. I've tested it myself and seems like the stats are pretty accurate, as my investments are posted almost instantly. Likewise for withdrawals as well. There's another page that posts screenshots of withdrawal, and thus far the numbers seem to match up pretty well. Doesn't seem like self-made-up bogus screenshots to me, so that's another bonus for the admin. Kudos!

Perhaps it's worth noting that ProsperityWallet has its own forum on-site. The admin is relatively active on his own forum, as compared to on MoneyMakerGroup, Talkgold and DreamTeamMoney. In fact I think it'll be faster to contact him on ProsperityWallet's own forum. The easiest, and by far fastest way to contact the administration is by sending them a contact email. By clicking on the "Support" tab, the page will redirect to a contact form, and you can fill it up with your information and inquiry. Usually the admin replies within 24 hours. Sometimes within a few hours depending on the admin's online presence.

ProsperityWallet offers 5% referral commission for each person you recommend to the program. As such, I'd like to note again that I offer 8% of my referral commission to you if you join under me and make a deposit.

Points to note:

125% after 5 days

Accepts AlertPay, which allows chargebacks

Active and robust support

Licensed GoldCoders' script

Compounding is offered

Only 12 days old

That's all for today folks! Wazzup™ Daily News will be posted later tonight. Thank you for reading!

25 March 2010 - CherryShares Review

Following a slew of HYIPs that went sour, it is of great pleasure for me to introduce a long term low ROI program that has been a low-profiler for the past year, CherryShares. The way I see it, the really outstanding programs are the silent performers; they work diligently without spending excessively on promotion or advertising. Therefore, more money is left within their investment pool and that directly translates to longer program lifespan.

CherryShares has been online, with consistent and regular payouts, for the last 326 days. The site has a custom script coupled with a beautiful personalized design. The design is neat, easy-to-navigate and emanates a sense of professionalism. I like the clean look— there are no clunkers, no huge 468x90 banners whatsoever. The navigation tabs on top of the page bring you to their "Who We Are"/About Us page, "What We Offer"/Investment Plans, "Due Diligence"/Rate Us page, and "Affiliate Program"/Affiliates page. A list of monitoring sites is available on the "Due Diligence" page which bears testament to the site's impeccable performance for the past 326 days.

CherryShares offers 3 payment plans, namely Short-Term, Medium-Term and Long-Term plans.

Short-Term Plan:

• Interest is withdrawal at any time
Pays 5.8% weekly(payout processed on Friday)
50% of Principal can be withdrawn after 2 weeks; 100% of Principal can be withdrawn after 3 weeks
No maturity*
Min: $50.00 Max: Unlimited
*Your investment will continue to earn until you choose to withdraw all your investment or your investment is less than $50.00

Medium-Term Plan:

• Interest is withdrawal at any time
Pays 8.7% weekly(payout processed on Friday)
Matures after 50 weeks
Principal returned upon expiry
Min: $5,000 Max: Unlimited
Compounding is offered upon request

Long-Term Plan:

• Payout is processed upon expiry
• Pays 9.9% weekly compounded*
• Matures after 75 weeks
• Principal + interest will be paid in lump sum upon expiry
• Min: $20,000 Max: Unlimited
• Compounding is capped at $5,000,000 (5 million)

CherryShares claims to achieve such high returns by engaging in currency-conversion business.

...converting certain currencies. This solution was found in an unusual way of converting a certain currency into another currency at a 1:1 rate.

While that sounds like a new business model, my first impression when they mentioned currency-conversion was Forex trading. A definition of forex trading from Wikipedia, "The foreign exchange market (forex, FX, or currency market) is a worldwide decentralized over-the-counter financial market for the trading of currencies." Nonetheless, a paying program is a good program, and as we are all aware of by now, treat every HYIP as a game and you should be just fine.

CherryShares is hosted by BlockDos with a dedicated server from Staminus. These two companies are arguably the best in the business, and I fully expect them to deliver the top-notch services they're known for. The domain name for CherryShares was created in 2007, updated in 2009 and expires in 2011. While this doesn't hold any particular significance, I would like to take this opportunity to advise some investors that a domain name can be purchased for the price of a Subway sandwich; and some investors often misinterpreted that as a sign of a long term player. Nonetheless, CherryShares has been online for all this time without any hint of slowing down, and I truly believe they will be here for another few months.

Payment processors accepted are AlertPay, LibertyReserve and PerfectMoney(USD & EURO). Payouts are handled manually, so please allow 24-72 hours for the payouts to be processed. Support system is available via contact form, and thus far, that's the only option available. The program claims that valued investors (with at least $1million active deposit) have the privilege of meeting the program admins face-to-face. The program is also known as "Brooksell Universal Limited Company" Registration No. 2164408, issued on 25 August 2008 in Hong Kong.

Before I end this review, I'd like to show some support for this program by offering 80% RCB for each deposit you make. Please email me within 3 business days after you deposit, and I will send the deposit to your payment processor as soon as possible.

Thank you for reading!

11 March 2010 - VaultInvestment Review

Hi guys! It's been a while since my last review hasn't it? Well, it's been a while, and I haven't seen any quality programs that deserve my attention. Not to worry, however, as today I review another high-quality program that has been paying constantly for over 200 days. The program's called VaultInvestment, and even though it had been flying low under the radar for the most part, I think the admin's starting to be more agressive on the advertising part. This can only be good as it revs up the funds and jumpstarts the program to a higher level. Without further ado, let's take a look at the program.

VaultInvestment claims to participate in agrarian markets (fields such as farming, poultry, fruit plantation etc.), with a central mission "to develop investment activity of the company for strengthening the leading positions investing to world agrarian markets", as according to the details on site.

According to WWF (World WildLife Fund), it is estimated that the world will be facing severe food problems in years to come, and if VaultInvestment does invest in what it claims it does, we should be expecting some very lucrative returns in the long run. Nonetheless, it should be noted that rarely does reality coincide with claims made online, so I would suggest you take in the information provided on the site with a grain of salt $mdash; it is always much better to be safe than sorry.

Moving on, the site itself is pretty much self-explanatory; the tabs direct you to different pages that describe the site's payment plans, the company's mission, and a bunch of other information that I deem unnecessary, albeit artfully crafted, to the average HYIP investor. As I am an investor myself, the first thing I looked at was none other than the payment plans.

Payment plans are divided into 4 categories: Daily Income, Weekly Income, Monthly Income and Luxurious Income. Daily Income pays 1.2% daily for 30 business days (Monday - Friday only) and your principal is returned upon expiry. That will come out as a net profit of 36% in a month, and daily withdrawals are allowed. However, the company doesn't trade on weekends, so the 30-day lock-in period is effectively pointing at 30 business days (Mon-Fri). Minimum to invest here is only $10 and caps at $99. One feature that I like in particular is the option offered to withdraw your principal prior to expiry. Nonetheless, a small fee will be charged if you do, but it is always welcomed to see that an early withdrawal option is offered. Weekly Income pays, as the name suggests, weekly, although the site does indicate the daily payout percentage. The site shows 1.4% daily, which is a breakdown of the profit percentage you'll earn per week. Upon further checking, the back office lays out a clear table that shows Weekly Income plan pays a net profit of 70% for 50 days with your principal returned upon expiry. A relatively low-ROI plan, but still higher than the Daily Income plan. The minimum to invest is $100 and caps at $999. Again, early withdrawal is offered here at a small fee. Monthly Income plan offers a monthly payout. However, the actual percentage is unknown as some months are longer than the rest. Upon further research, I finally realized that it doesn't matter how long a month is in relation to the rest of the year — VaultInvestment only counts the business days. The Monthly Income plan runs for 140 days and returns a net profit of 224%. Investing in this plan will set you back a minimum of $1000, and caps at $9999. Well, up next is, you know what's coming, the coveted Luxurious Income! Needless to mention, this plan pays the highest of all 4 plans, which is a whopping 1.8% daily for 9 months. Again, as VaultInvestment pays only on business days, 9 months would come up to 180 business days. Not as accurate as one might imagine, but otherwise easy to understand. The minimum to invest starts at $10,000, and caps at $99,999. One thing to note is that in the backoffice, the minimum to invest in Luxurious Income plan is set at $1,000,000 (1 million) and caps at $99999999. I am sure this stat is incorrect, and I'll make sure I email the admin about it as soon as possible. Luxurious Income plan returns a net profit of 324% for 180 business days, which is the most lucrative of all 4 plans offered.

Payment processors accepted are nothing to be excited about, as only LibertyReserve and PerfectMoney are accepted. In case you don't have a Liberty Reserve or PerfectMoney account yet, VaultInvestment has a short guide on signing up for either one of the 2 processors, which is now available on the site.

VaultInvestment is hosted on a dedicated server by IwebTechnologies, and they're protected from Ddos attacks as well. The latest security implementations, which are quite commonly used in newer sites, like SSL-encryption are not used on VaultInvestment, most likely due to the fact they have been around and have not taken the time to add such a feature. Therefore, it will definitely be an added plus if they do implement such a security feature in the future.

Customer support can be reached by either e-mail or Live Chat. On the homepage, you can click on the "Contact Us" tab which wil redirect you to the contact form page. There are 3 options available to clarify your status. The options are Consumer/Other, Journalist/Media Professional, Investor/Finance Professional. My own interpretation:

Consumer/Other -> Public

Journalist/Media Professional -> Bloggers/Monitors

Investor/Finance Professional -> Member

I think VaultInvestment offers a good investment opportunity, and we all know how this game goes: The earlier you go in, the better chances of you emerging victorious. My strategy on this would be invest in the Daily Income plan as that offers lower risk and decent ROI, and if you wish to increase your investment, you can split the funds into several chunks of $99s and invest into the Daily Plan. Nonetheless, no compounding option is offered, so that's a small setback for VaultInvestment. But still, join early to make your profit guys!

*Sorry no referral link yet as I have to request it manually via support ticket. Will update this page once I get the banners and referral link

24 February 2010 - Affluent-Market Review and Other News

Hello my fellow investors! How has the HYIP industry been treating you lately? I hope everything's going fine, and remember: If you don't feel comfortable investing in a program, then DON'T! Because if you're feeling that you're missing out on a good opportunity by not investing, let me tell you that you're actually not. In this industry, we have more than enough sites that share the same or even better offerings.

Ok, enough of my rumbling :p Lol...Today's main character is Affluent Market, a new site that was launched about a week ago, and thus far, I have only good words for it. Perhaps you'd like to take a look at the program first before continuing with the review. You may click on the link below, which will redirect you to the site.

Affluent-Market — Join Here

How did you like the site? For me, I think it's really unique and combines functionality with elegance, something that is not commonly found in HYIP industry, and of which we should expect more. As I mentioned in the intro, there are too many sites that look the same, and some are even the exact copy of others. So I think it is really nice to have a site like Affluent Market that stands out from the crowd. Well, to top things off, the goodies don't end there.

There are 2 payment plans offered:

1. Forex Daily Plan
• $10 - $1000 — 1.2%
• $1,001 - $10,000 — 1.5%
• $10,001 - $100,000 — 2.0%


2. Emerging Market Weekly Plan
• $10 - $1000 — 9.1%


• $1001 - $10000— 11.2%


• $10001 - $100000 — 14.7%
  

For the daily plan, profit can be withdrawn daily (Mon - Sun) for 180 days. For the weekly plan, your profit is credited each Monday at 9.30am GMT for 26 weeks.

The admin claims that the funds for daily plan are invested in Forex Trading and various other high-yield investments; whereas the funds for the weekly plan are invested in emerging markets such as young developing nations, and they reap profits by investing in various countries that contain reserves of natural resources.

Payment processors are currently limited to only Liberty Reserve and PerfectMoney, and that would be the only con I see from the site thus far. It will definitely help if the admin decides to add more payment processors, namely AlertPay, StrictPay and SolidTrustPay, in the future.

Affluent-Market has a very simple, neat and easy-to-navigate layout, with a feeling of green-freshness ambience spread throughout the site. I like that feeling, and the program doesn't just look good - it performs just as well. There's a new security function that's called SMS verification, which I think is only available on Affluent-Market right now, even though I stand to be corrected.

How does SMS verification works?

When you register, you're asked to register your phone number along with your personal details and account number. Be sure to choose your active phone number, because the program will send a verification pin to that specific phone number everytime you request for a withdrawal. This might sound anal to some investors, but to me, security is a big issue. And seeing that the admin takes some effort to implement such a nice security feature just assures me that he's not just here for the short run, and that he's taking good care of the members' welfare as well.

Support system is really decent too, as you can contact them via Skype, phone number (UK number) and email. NoLive Chat support available now, but I think that's something that can be easily added down the road. Edit: Live Support is currently being developed, and admin announces that ticket system will be added soon so that, according to admin, it'll "make lives easier for members."

SSL-encryption is added on the site as well, and in contrast to regular HYIP sites, SSL-encryption is added on every single page of the program. If you want to know more about SSL-encryption and other features that you should look out for in a program, you can read my blog post here for more info:

• Technical Review and Terminology

In addition, the admin checks back with me for feedback and opinion of his site, which I think is a really great display of character. I mean, not many admins actually do so. For that, I give Affluent-Market a thumbs-up rating. Good job admin! =D

Other News:

Unfortunately, I have to announce Macroreturns is Not Paying anymore. This site that was started by Marco from Gouldsinvest did not even last past the 14-day mark, and one primary reason that could be attributed to the collapse would be the admin's decision to credit all those who lost in Gouldsinvest some funds in Macroreturns. We can't stuff a hole with another, so that would explain the collapse.

As we all know, SazaInvestment is closed already, but according to some of my readers, Ricardo reportedly fixed the script and the deposit button is open again. I've not investigated the issue, but please note that SazaInvestment is Not Paying anymore, so please do not be tricked into depositing.

EuronanoInvest paid me instantly again today, and so did Dragadox. These two infant sites are slowly, but surely, getting more attention. In fact, the support from members have been very encouraging, and if everything goes smoothly, I don't see them having any problem passing the first cycle mark.

HarmonicMarket, a great program paying 3.7% daily for 30 days (net profit is only 0.4%, to be exact) is growing nicely, and I've seen numerous payment posts on forums. I'd like to remind you that you can read the review here, and I am personally in with $300.

TopFinancial is another top-rated program in my book, as there's basically nothing to complaint about this program. The payouts are prompt, security is solid, and payment plans are really lucrative. Well, not lucrative in a high ROI HYIP terms, but I'd rather settle for slow and regular payouts than having to worry about my money all day long.

HugMoney, a short-term high ROI program is now about 45 days online, and it's still doing fine. You can read the review here, and I am very much surprised ( in a pleasant way) that the admin has managed his program in such great manner. Kudos!

Mandarin-Invest has announced the increase of their rates today due to popular demands. The "basic plan" which used to pay 1% daily for 30 days, is now increased to 1.1% daily for 30 days. Here's the newsletter:

Dear safemoney,

considering the poll results concerning possible ROI increase and the discussion in the poll topic, we have found a compromise solution - an increase of the ROI for the "Basic" plan to 1.1%. We assure you that this will not hurt our program and is just a way to share our recent success with the members. The change takes effect immediately and affects both active and new deposits to the "Basic" plan.

Sincerely,
Robbyn Hart

FxStar paid me over $200 today instantly as I had 2 expired deposits on the same day. It's a great program with many special features, and you can read the review here.

Well, that's all for today folks! I'll see you tomorrow with more news from the industry of HYIPs!

16 February 2010 - TheKapital Review and Other News

The Kapital's Mission-Vision Statement:

We here at The Kapital uncompromisingly search for the best opportunities possible while extrapolating and examining risks for investors and future returns. Our investor-centric methodology allows us to think of our clients' satisfaction first before anything else. We cater to every financial requirement whenever we make our investment choices. Markets with positive demand traits are actively pursued, while markets with limited supplies get favorable guarantees.

Hello everyone! Today's review is about a long-term low roi program that's been flying under the radar for a while now. Not until recently, I didn't even realize such a program existed! Considering the fact that the payment plans offered are highly attractive, and the overall presentation plus some other additional factors that I personally consider while reviewing a program show that this program should be on my A-list of top HYIPs, it's quite a surprise I didn't join this one earlier! However, I think it's still not too late, and I'm here today reviewing one of the consistent performers in the HYIP industry, TheKapital!

When I first tried to check the website, I typed thekapital.com, which showed "Oops! The link is broken.". Upon further research, I found out that thekapital.com is owned by a totally different entity, and is not related to TheKapital in any way. So, the correct URL to TheKapital is www.thekapital.net. Note the difference between .com and .net.

Okay, on first glance, TheKapital looks really refreshing and neat, with a colorful background and simple, easy-to-navigate homepage. There are 9 tabs on top of the page, which lead to 9 different pages, namely Our Firm(basically an About Us page), Our Funds (Investment plans), Affiliate Program, Create An Account, Market (a page full of widgets that display trading reports), News (Updates about TheKapital), Help (FAQ), Support (Contact Us) and Ratings, which is a small tab slightly displaced from the other tabs. It's clear where each tab leads us to, and first tab I clicked was Our Funds, which is always the main focus of investors — we're interested to know more about how much profit we're looking at before we even consider the hosting, script and everything else. Agree, guys? =p

There are 3 payment plans, namely Conservative KFund (CKFund), Balanced KFund (BKFund), and Growth KFund (GKFund). There are 2 sub-plans in each payment plan, which are daily plan and weekly plan. Of the two, the weekly plan offers higher interest rates, and along with higher rates comes higher risks as well, as the weekly plan pays only once a week. Principal is returned upon expiry for each plan, and the lock-in period is 150 business days (Mon-Fri). A special feature available on TheKapital is they allow premature withdrawal of your principal, which means if, for any reason, you do not wish to continue your investment with them, you can request your withdrawal a week prior to the date you wish to have the money in your account. They charge a 10% withdrawal fee for that, though, so take note guys. And that's a hefty 10% as well, because if my understanding of this phrase is right, 10% charge of the investments and all paid and not paid profit for the whole investment period is deducted., that means TheKapital will charge a 10% fee on your principal and the profit you will potentially earn if you continue your investment with them. Say, you invest $100 with them, and you will potentially earn, say a random number, $200 after 150 business days. On the 100th day, if you wish to withdraw your principal, TheKapital will deduct 10% of the $200, instead of your initial $100.

CD-KFund (Daily Plan)

• Min: $20 Max: $5,000


• Lock-in period: 150 business days


• Interest: 1.5% - 1.7%


• Compounding: Yes


CW-KFund (Weekly Plan)

• Min: $50 Max: $6,000


• Lock-in period: 20 weeks


• Interest: 8.2% - 8.5%


• Compounding: Yes


BD-KFund (Daily Plan)

• Min: $5,000 Max: $10,000


• Lock-in period: 150 business days


• Interest: 1.75% - 1.90%


• Compounding: Yes


BW-KFund (Weekly Plan)

• Min: $6,000 Max: $12,000


• Lock-in period:20 weeks


• Interest: 8.5% - 8.8%


• Compounding: Yes


GD-KFund (Daily Plan)

• Min: $10,000 Max: No limit


• Lock-in period: 150 business days


• Interest: 2.0% - 2.2%


• Compounding: Yes


GW-KFund (Weekly Plan)

• Min: $12,000 Max: No limit


• Lock-in period: 20 weeks


• Interest: 8.85% - 9.2%


• Compounding: Yes

As you can see from the above list, the only plan that mets the budget of an average investor would be Conservative KFund (CKFund). The other two, however, are probably for the big boys who have more kachings in their pockets than stones on the beaches! Nonetheless, with higher deposits, TheKapital pays significantly higher interest rates as well. So here's something you should take home: As compounding is allowed, and the premature withdrawal is a bonus feature that's currently only available on TheKapital, as far as the programs I've reviewed go, why not consider doing a 100% compounding?

The fact that TheKapital offers many payment processors just simply makes TheKapital an even more alluring package. TheKapital accepts AlertPay, StrictPay, SolidTrustPay, LibertyReserve and PerfectMoney. As of this writing, TheKapital accepts credit card payments through AlertPay now, which is something uncommon during this period of time, after witnessing the foreclosure of several programs due to AlertPay's strict implementation of rules and regulations. This mainly involves verified accounts purchased via black markets, so TheKapital possesses peculiar advantage over its competition — investors can be rest assured that TheKapital didn't purchase their account via unlawful means. Well, that's all good, but I don't consider that as a guarantee for your funds, and so shouldn't you. As always, learn to manage your funds wisely, and stick to your investment goals. If you don't have one yet, then it's about time you sit down and plan one out.

TheKapital's beautifully designed website is hosted on a dedicated server by Staminus, a long-standing hosting server that's renowned for it's good service. The domain name: TheKapital.net is registered since 2009, and extends all the way to 2012. Some investors asked me this question before: "If a site is registered for a few years in advance, does that mean it's not going to scam?" Unfortunately, my answer to that is a resounding no. The domain name of a site can be purchased easily, and it costs somewhere from as little as 5.99 to as much as thousands of dollars. To register for a domain name, you only need a credit card, and a billing address. In fact, some domain name providers sell services such as WhoIsProtect, which conceals the domain name registrant's registered address. One such provider is namecheap.com, which is one of the most popular domain name providers in the market. So let me reiterate, a domain name is a commercial product that is widely available in the market, so please do not be tricked — it doesn't take a program more than lunch-box money to register a domain name.

In a nutshell, I think I've covered pretty much the general offerings of TheKapital. Following a slew of programs that scammed recently in HYIP industry, I think just the fact that TheKapital is still here proves that they're willing to work hard to provide their best services. They've been paying for over 200 days now, and no complaints have been voiced thus far. I like the support system, as they offer Live Chat, which is available most of the time, E-mail support system and phone-in support. I've not checked the phone support yet, so I can't comment on that, but anyone who has, please let me know whether or not it works. I doubt it does, but that doesn't discount the fact that TheKapital is a good program with lots of room for future growth. I don't think TheKapital has met its bottleneck yet, as the clearing of many other long-term low-ROI HYIP programs has inadvertently led to less competition, and this means more space for TheKapital to grow.

The first cycle is always the most dangerous, and now that it's 200 days online, I believe that period is behind us now. Join in today, and make yourself some nice profits :D

Other News:

The programs I reviewed are all performing well, and no news have been sent out today. As the saying goes, "no news is good news." So I believe that should provide some degree of comfort to some investors.

Well, not all is well with "no news" though, because my pending payout with KobelCapital is way over 24 hours now, and despite the fact that some are still getting their payouts, those are mostly monitors. So I consider this as Paying Selectively, and I believe KobelCapital will not pay anyone soon. Perhaps the admins' already preparing their money luggage for a run to Afrika now..Lol..But I hope no one lost too much money on this one, as it's obviously a game from beginning, and no program is able to sustain a 2.55% payout each calendar day for a long period of time. However, it was fun from the beginning, and anyone who joined early should be looking at some decent profit now, as KobelCapital ran for about 4 months.

That's it for today folks! See you tomorrow!