Lazyman's guide

Update on wealthtoolbox

2008-01-29T21:27:00.000+08:00

Hi all, here's a quick update on wealthtoolbox:

What is HiveAttack?	We are developing a new computer program designed to analyze financial markets. The goal is to create a highly advanced prediction engine that will alert us when stock or currency prices are about to move up or down. The computing power required to reach our goal will be absolutely massive. It could take years on a very powerful super-computer, at a cost of millions of dollars.
That's where you come in...	In place of a super-computer, we've decided to link together tens of thousands of personal computers. Each person that joins will contribute a little to the overall processing power, but in the end, we expect to have more computing power than we could get from a super-computer.
Why call it HiveAttack?	Just like worker bees in a hive, each person that joins will contribute a little bit to the goal of the group. Essentially, we're swarming together to 'attack' a problem that is far bigger than any one of us could handle.
How it will work...	Anyone can join and contribute a bit of their computing power. Those who do will be assigned a portion of the profits as we analyze and invest in various financial markets. As more and more people join (and contribute to the overall processing power), we expect to get closer and closer to our goal of designing a highly accurate financial market prediction engine. Once working, we'll use it to benefit the entire group.
So, are you with us?	Again, undertaking a project of this scope will take massive amounts of processing power, and many people joining together. However, we believe the results will be well worth it in the end. Our target payout date for contributor earnings is January 15, 2009...less than a year away. We need your spare computer processing power! Join now to help us reach our goal. Oh yea, see the previous post below to join.

WealthToolbox free to join if you want!

2008-01-27T12:37:00.000+08:00

Well, I guess I have neglected this blog for quite a long time because I am looking for better opportunities elsewhere. I think right now hyips and autosurfs are out of question. Join at your own risk... Anyway here's the idea about wealthtoolbox:

The wealthtoolbox is a managed forex trading with a free long term investment account that offers a free $100 bonus upon joining and will pay out to your PayPal account after 24 months. No risk here!

If you don’t login your account over a month, wealthtoolbox will close it and all funds within your account will be forfeited.

Just remember to check your account time to time....

Global Pension Plan looks good?

2007-03-14T00:15:00.000+08:00

I have been getting updates from GPP and the number of members are increasing, they could reach the target faster now I guess. Here's straight from the mailbox:

TIME-LINE FORECAST

Monday 12th March 2007, 0900hours GMT

Member Count: 41,224

Members joining this week: 1,403

Members who joined last week: 1,359

We forecast the time to reach 100,000: 27 weeks (September)

Available 'Compensation': €3,232,680,000

Available 'Loyalty Rewards': € 1,410,624,000

'Loyalty Rewards' earned/accrued this week: € 33,672,000

Thanks to TeamTHEMCO for providing the above data.

***********

Dear Members,

Please pay attention to this message as it contains
important information that may affect you and your
Compensation.

Short version:

If you are 27 years of age or younger,
you will now receive 110,000EUR Compensation. If
you are 28 years of age or older, you will receive
the original 55,000EUR Compensation.

Long version:

When we first planned Global Pension Plan it was
suggested that we offered a tiered compensation
structure to reflect the different premium rates
for people of different ages.

During market research, we found that we were
unable to accurately determine the average age our
membership would attract. Reports ranged from 25
years to 60 years.

Eventually we decided to stick to one compensation
structure to keep the system simple and allow us
time to calculate the average age of members

Needless to say, we erred on the side of safety
and offered only the lowest tier of compensation as
we didn't have an accurate idea of the average age
of investors - we couldn't afford to take the
chance and pay out the higher rate and then
discover we couldn't fulfil the compensation because
the average age was too high.

At this time, we have over 40,000 members and
we've found that the average age is a lot lower
than we expected - largely due to parents signing
up children. We will therefore pay out a lot
lower premiums and creating a surplus of funds.

Analysis of our demographics has shown that we can
create a tiered compensation structure as originally
planned.

We have set the cut-off age at 27 as after this,
the premiums start to increase rapidly.

The new compensation structure works like this:

If you are 27 years of age or younger at the time
of the documents are signed, you are now eligible
to receive 110,000EUR.

If you are 28 years of age or older at the time
of the documents are signed, you are eligible to
receive the original 55,000EUR.

This change in compensation structure is
effective immediately and the software will be
updated to reflect the change.

Please note, this change in compensation structure
will not effect the Loyalty Program Rewards.

Q&A:

Q. How much am I compensated when the plan matures?
A. Global Pension Plan has two tiers when it comes
to compensation.

If you are 27 years of age or younger at the time
of the documents are signed, you are now eligible
to receive 110,000EUR.

If you are 28 years of age or older at the time
of the documents are signed, you are eligible to
receive the original 55,000EUR.

The reason for the difference is due to the
lower premiums we pay for younger people. The price
sharply increases past the age of 28.

If you have any questions about this improvement
to the service we provide, please don't hesitate
to contact us.

Regards,

Stella & The Trust Partner

Seems like I will be getting 110,000EUR. Heehee...
Anyway, I am not saying you should join but just that it looks good with constant updates and stuff, maybe it's true or it's not but the risk is not much :)

Join here if you wish.

NSFG starting to look better?

2007-03-10T23:36:00.000+08:00

Good Morning Everyone,

Well what could be better after a terrible start to the year than to bag a great return in the very next month, and a great return is what we have managed to achieve coming in at 19.57% for the Month of February!!

Before I go into the market conditions and overview for the month I want to confirm something about withdrawals. They need to be made before the close of play of the 15th of the month. They will then be paid out AROUND THE 25TH, not bang on it!! The money needs to leave the trading account, get wired into our bank account, then get wired into the egold exchanger, who then credits our egold account and I do the transfers to your account. Because there are two wires involved it all depends on how the weekends fall as to how quickly this sorted. We have been doing this now for nearly a year and a half this way and yet people still email me on the 25th asking me where their money is. Sorry to moan but I thought I would tell you all again enmass so your aware :-)

I will be sending the statements out to you tomorrow, and apologize in advance if you get a few copies of it as I sometimes have to restart the software. I have had a few emails already since the monthly result has already got out about what we add to the pot since the question was asked. Up until the last week the Pool was about an extra 1% in front of the MA's but during the last week they had a few extra positions which were stopped out which dropped them behind the MA's. We added the funds at the end of the month to build the return back up to the MA figure. 95% of the time the MA and pool has exactly the same trades on them, there are just the odd occasion where Ken adds to the Pool account position if the market conditions warrant it, sometimes this works out, sometimes it doesn't. We only do it knowing that we have the funds to back it up if it doesn't work out, so it is essentially risk free, just wanted to make you aware of what went on behind the scenes.

This update is intended to give everyone a view as to how our new strategies are working. The shift from mainly trading intra-daily to mainly trading daily and intra-weekly has produced much better results as we have stronger setups with higher probability of success. We have been able to book more than + 1,000 pips in February because the setups have caught the big moves and we have quickly dropped the losing trades. I want to point out however that even though this month has been spectacular all around, it should not form a general consensus or benchmark for the future monthly results. We are still "only" working to achieve a solid + 5% gain as the monthly average and we break this down into achievable weekly targets.

Our second trader Kelvin is currently trading 25% of the entire NSFG fund and has settled in during the month of February. He is getting more experienced around the BGC trading platform and both Ken and Kelvin communicate on a regular basis sharing market views and thus been able to support each other in that way. Kelvin trades more intra-daily than Ken but with a slight different approach and we both feel this is working well in conjunction with Ken's daily trades. Kelvin will continue to develop as a trader and contribute to the overall trading results in the months and years to come.

We booked a 7th consecutive winning week last week using this strategy and in the coming week we will remain very risk averse and only take high probability setups on the daily time frames. By doing this we avoid risking a larger portion of the already earned profits and we can slowly start building up some profit in March so we can be a bit more aggressive when the opportunity warrants such a strategy. The coming week is looking very interesting indeed and following the carry trade liquidation at the end of last week there are some very good potential setups to be had.

All in all it is looking extremely promising for the future, and as I mentioned last month, the shock of the large loss in Jan forced us to implement this method of trading which I predicted would be a price worth paying. So far it certainly has as Ken has considerably more control over the trading and when backed up by Kelvine they are performing extremely well. If we can continue trading like this, and there is no reason why we can not as there were no special circumstance last month, then we should get all our balances back to their proper levels in as short a time as possible. I do want to re-iterate though that we will continue to aim for 100 pips a week and if we get more then its a bonus, large return months such as this should not be expected by you but we are very confident of decent positive returns nonetheless.

As always, if you have any questions or queries please do give me a yell, and have a great week!

Paul"

That was what was found in my mailbox, I have no idea how my $30 have turned into but probably it will take quite a lot of time to recover back to the original investment amount, at least they seem like they are here to stay which is at least a good sign.

sorry for neglecting this blog at the moment.

2007-03-08T19:52:00.000+08:00

Well, I guess I may be losing audience in my blog, I am thinking of converting my blog to forex blog maybe or a mix of money making opportunities but I find that I am lazy well haha...
The truth is I am not too bothered with hyips at the moment... just not safe to trust idiots who run away with your money.90% of traders lose money in forex, how about hyips? probably around there as well or more? I don't know but which is safer? I guess the answer lies with yourself, your risk assessment. I hope to catch up with some updates on my hyip programs by this weekend... cya

Ibizatraders - just a piece of junk!!!

2007-01-31T19:32:00.000+08:00

Dear Investors,

In spite of our efforts we unfortunately have to inform you that Ibizatraders didn’t make it. By the end of November we had to report you a big draw down. If such a draw down has to be made up during a 2 to 3 months period it is obvious we had to take substantial risks in our books. As per the end of December we positioned ourselves for a big move up in all currencies against the US$, such according to general market expectations at that moment. Surprisingly to the markets and ourselves such moves did not materialize. In fact just everything one can trade against USD went down, from currencies to commodities, from precious metals to energy. Although we had our stops somewhere down the line this couldn’t prevent us taking big losses again. The situation got desperate and we were, unfortunately forced to finish our operations.

We understand that most of you are very disappointed and some even angry or frustrated. Well, so are we. I know it offers very little solace but we have been working for almost a year now on Ibizatraders (including the preparations). The undersigned also spend a lot of money and time on this project and never earned a penny neither. In fact he lost most of his savings as well in trading. Apart from the material aspect he also lost the most precious of all: his reputation, which can’t be expressed in money!

If there are still disbelievers as to the honesty of this fund: a copy of the trading account activity will be sent to Bluemax of Hyip Navigator so there won’t be any doubt left as far as that is concerned. We understand that many of you might have individual questions, remarks, reproaches etc. As it will be impossible to me to answer or react on everything posted we decided to take the site down; besides it won’t help or change anything. As I do not want to be straight away unavailable for comments or questions I kindly request you to call me up on my home phone, everybody’s question will be addressed. For the few that might want to contact or warn the authorities I can only say: please do so. Ibizatraders is a legitimate fund and hasn’t anything to hide. We would gladly cooperate with any authority that contacts us. Ibizatraders went down due to losses on trading and not of stealing. Once again we would like to stress that this closure is very difficult for us and we want you to be sure we feel terrible for what went wrong after all the confidence you gave us. We won’t be active anymore in the markets, online or offline, so we retire from it. If you see sites coming up in the future using the name Ibizatraders or something similar or the undersigned name please mind it won’t be us but a fake.

Sincerely.
Peter Ris

Okay, I do not want to keep rambling about this kind of program. If u want to play with forex, learn yourself, don't trust these idiots who claim to know how to earn money from forex.

After a year in hyips, all I can say is 99% of programs are bullshit... I am still staying in this game, probably have another program to introduce next week but I will keep my stakes to lesser programs.I can probably say that you should go for programs with higher interest returns, seems better with regards to those programs which promise 10% per month and fails to deliver. DD is useless, so don't bother reading any DD... hyips are short term... Putting money in other people's hand is definitely not the way to go if you want to think and grow rich this way, you are probably going to suffer. I speak this from experience... Currently, I have removed all programs I am monitoring and I am probably not going to list much programs in the future except PP01 may be opened again in march probably...

I don't know whether I will close this blog or maybe I change it to something else. If I lost in ibizatraders it would only be $250 so nothing much to complain about... would probably update my portfolio as well if time permits. Bye

HYWD still rolling in with the articles

2007-01-25T21:41:00.000+08:00

Well, I hope I have not neglected this great site which has a lot of information for financial success. Do check them out:

Reader's Digest Jan 23rd, 2007

Fast Review: Real Estate Trade Union

Forex Scam Or Legitimate Company? Six Ways You Can Decide

Victoria Picks: HYIP Library

Fast Review: USA Trade

Investment Advice 2007: A Global Economic Outlook

Fast Review: Giga Gold

What is Position Trading?

HotSpot: PIU Scamming Away

Global Pension Plan looking good!

2007-01-19T15:02:00.000+08:00

Straight from the mail:
"
Dear GPP Members,

Today I have some fantastic news for you!

For the last 5 months we have been
negotiating with a member of GPP who
owns a large corporation in China.

Last week, the deal was finally
signed and sealed and now I can formally
tell you about the details of this deal.

Mr. Zheng Zhu of the Ningbo import and
export company, which employs over
10,000 people in China has signed a
deal with us to signup all of his
employees to the Global Pension Plan
opportunity.

As I'm sure you can imagine, this is
a major boost to our program and sets
us on track to have a very special
2007!

The precise number of new members
is 10,837.

As always, GPP is committed to keeping
the members updated, and I've been
bursting to tell you all about this
great news ever since Mr. Zhu first
approached us back in July!

Please let your downline know about
this great news.

Regards,
Stella. "

This looks really promising and you really only need to pay a small price and get much bigger returns. :p

Come and join me here.

There's a bit of information on 'lazyman's portfolio' on this program. My portfolio is not exactly updated but will try to update asap. Not looking to join too many programs but will eventually join a few. If you are would like to follow the programs I join, you may need to be a bit more patient.

Udachu programs go private...

2007-01-13T01:06:00.000+08:00

I am sure quite a number of you may have withdrawn from udachuinvest or sgfh, but that could be a mistake. Anyway, they have closed their doors completely now but I am still inside this program thankfully as I see potential in them still. Refunds were done fast but a lot of hard work.

As for those who are in Udachu's program, hope we will be able to see good results consistently :p

Just an extract from the forum by Udachu CEO:
"
I understand that a lot of people knew very little about us and thought if there was a refund then it would be a good time to get out. Unfortunately once the refunds are done the name is deleted from the database. No records are kept of old members. And no new members will ever be added to any of the funds. They are closed to new investors on a permanent basis.
"
Stay tuned to my blog as I may introduce another new program during the beginning of February. I have updated my program list on the left sidebar.

TFT and Taiwan Earthquake

2006-12-30T16:01:00.000+08:00

TFT update:

There is going to be a twofold change to TFT.

We have had a few problems with the earning vehicles used for TFT. My sense of why is connected to the recent actions of e-gold and a perceived dropping of confidence in them. Comments by many that e-gold was going to close has added to the general decline. While this is not my position - the way that we used to generate returns has been steadily dropping. Looking for the right alternatives is a daily process.

Steadily dropping returns has meant that some incoming were used to pay existing obligations.

The decline started early December and accelerated throughout the month. This has caused a cash flow issue .

Within the HYIP arena there are such things as private placements - they tend to be “those things you hear about but never actually eventuate.” My reading and research has shown them to be real - but previous to now I have not been able to access one directly.

This has changed over the last little while.

The reality part is that I cannot say a whole lot about it but I can assure you and reassure you that I have done my homework.

This opportunity (high risk though it is) is one that I plan to capitalize on.

The downside - the placement fees are high - we are talking serious money here.

So after much discussion here is what I am going to do.

All available TFT funds are to be diverted to this opportunity. This amount still does not meet the minimum required so the following will happen.

Payouts will stop - for the course of the trade.

TFT incoming spends will go to the placement.

TFT will close on 3 January (1 week)

ALL spends (all existing/outstanding ones + all new ones) will be paid in full as of January 31.

To be clear - no more TFT payouts till Jan 31 then EVERYONE gets paid.

Additionally a place in the forum will be set up for those who wish to participate more directly in the placement. Access to that is going to be at my discretion. I cannot empahise enough that this is a private offer. I cannot and will not dicuss publicly.

Participation will be via e-gold - that doesn’t change.

Maximum amount to invest is under review.

One more thing - once the amount needed to participate is reached all offers will be closed. We will not accept more than we need. Period.

Now this is not a “going private” thing. It is an opportunity to pool funds to participate in a private arrangement.

I also know (extremely well) that this is going to cause some discussion dissention crtiticism etc. I accept that - just as - on opening the program I accepted the responsibility to generate the returns to you in the most efficient manner possible.

To head off queries -the most obvious being could TFT continue - based on the current (right now) trend - No. Could we trade out? I was and am going to try - and this is the option I have decided upon.

Are refunds available - No they aren’t.

I had previously stated that if and when TFT closed everyone would be happy. This closure is sooner than I thought - but I am adjusting to the circumstance.

It is my real belief that although the delay of payout until 30 days may cause some (a lot?) of pain for some, the fact that the program will payout every member in entirety is a plus.

Now the other thing I need to mention. I reckon you have heard this spiel before - I think I have heard things along similar lines. Why should you believe me? To answer that I can only say that I am going into this trade openly and will keep people posted along the way as to progress. I am not closing the forum - nor XLO (which is it’s own distinct program). I am working to provide each and every one of you the return you were after - circumstance has dictated that this will take longer than originally thought.

In closing - I take full responsibility for this decision. I understand that is not going to be popular to all - but it is my thought out and considered opinion that it is the best option for everyone.

Your comments are always welcome.

Andy

Well, it is not yet 6 months but they are planning to close on January 3rd next week. It is still the month of December. Let's hope better things to come in 2007.

Rog's program, I have written it off but it is still under scam warning in HYIPD program. January 15th is the final date, after which I would put it under scam.

Happy New Year to all readers!!! Yeah, it is coming... Due to bad internet connection, I was put off by the idea of logging in to blog, but lately things have gone better, still have slow internet access to overseas websites.

My wish list would include having better internet connection:

Taken from yahoo news:

SINGAPORE: Despite the distance, Tuesday night's earthquake in Taiwan made its presence felt in Singapore.

Internet providers StarHub and SingTel say the earthquake caused disruptions to the undersea cables, resulting in slow internet access to some sites.

Both companies say internet traffic diversion and restoration works are currently underway.

SingTel adds that its undersea cable system with Europe was not affected. - CNA/so

Asia quakes damage cables; Internet, banks affected

SINGAPORE, Dec 27 (Reuters) - Telecommunications around Asia were severely disrupted on Wednesday after earthquakes off Taiwan damaged undersea cables, slowing Internet services and hindering financial transactions,

Banks and businesses across the region reported problems with communications, with telephone lines and Internet access cut or slowing to a crawl.

South Korea's top fixed-line and broadband service provider, KT Corp , said in a statement that six submarine cables were knocked out by Tuesday night's earthquakes.

"Twenty-seven of our customers were hit, including banks and churches," a KT spokesman said. "It is not known yet when we can fully restore the services."

Taiwan's Chunghwa Telecom said two of four major undersea cables out of Taiwan had been affected.

Voice circuits had been reduced to 40 per cent of capacity to the United States, 11 per cent to Japan, 10 per cent to mainland China and just 2 per cent to most parts of Southeast Asia.

Banks in Seoul said foreign exchange trading had been affected.

"Trading of the Korean won has mostly halted due to the communication problem," said a dealer at one domestic bank.

The main quake, measured by Taiwan's Central Weather Bureau at magnitude 6.7 and at magnitude 7.1 by the U.S. Geological Survey, struck off Taiwan's southern coast at 1226 GMT on Tuesday. Two people were killed.

PCCW , Hong Kong's main fixed-line telecoms provider, said several undersea cables it part-owned had been damaged. "Data transfer is down by half," a spokeswoman said.

Some disruption was also reported in the Tokyo currency market, but the EBS system through which much dollar/yen trading is conducted appeared to be working, traders said.

KDDI Corp. , Japan's second-largest telecoms company, said communications along submarine cables out of Japan went through Taiwan before reaching Southeast Asian countries, which was leading to disruption.

But KDDI said communications were unlikely to break down completely since there were alternative lines.

Singapore Telecommunications , Southeast Asia's top phone company, said some customers were suffering slow access to Internet pages and other data.

But it said traffic was being diverted and repair work was in progress, adding: "Our submarine cables linking to Europe and the U.S. are not affected."

Singapore's second-largest telecoms firm, StarHub Ltd. , said its customers were experiencing slower connection to some international Web sites because of the cable problems.

"We are re-routing traffic to other cables," a StarHub spokesman said.

I guess they have done some rerouting, probably that's why surfing experience is at least better for now, but of course the biggest concern would be those trading for a living. Bad internet connections can really kill....

Agloco updates

2006-12-21T13:28:00.000+08:00

Straight from my mailbox:

"
First - Thank you for becoming an AGLOCO Member during our beta phase.
And second – Thank you for referring new Members to AGLOCO and helping to build the company.

Here is what you, the Membership, have accomplished:

AGLOCO is four weeks old and it has already signed up tens of thousands of Members, created enormous 'buzz' (over 700,000 pages in Google's search results talk about AGLOCO) and established a website more popular than Toyota's or Ford's or Bloomingdales or Kmart's (it took YouTube 8 months to do that).

In addition to building the AGLOCO network, we have been working on the AGLOCO Viewbar which is now scheduled for release in seven to ten weeks.

You may know that we started a campaign to sign up 10,000,000 Members by July 1st, 2007.

While we know this is an ambitious goal, we also know the power of an Internet based network (several Members already have over a 1000 referrals - See below for examples):

So here is what you as a Member can do right now to help AGLOCO (and help yourself):

Recruit at least 5 more new Members in the next thirty days
- if each new Member does this, we will reach our goal of 10,000,000 Members by May

For every five new referrals you get (direct or extended) doubles your AGLOCO income
- over 90 percent of our Membership joins through a referral email from an existing Member so we have provided a new sample at the end of this update.

To help you we have also listed a couple of blogs that our Members have created to share ideas on how to obtain referrals, as well links to two successful Members who have over a thousand referrals.

Ideas
http://aglocoideas.blogspot.com/(good site for ideas for obtaining referrals – sample emails etc.)

Two successful recruiters:
http://mccallsnotes.spaces.live.com/blog/ (over 6,000 referrals)
http://www.johnchow.com/the-agloco-viewbar/ (over 1,700 referrals)

Two'fun AGLOCO sites'
http://aglocovideo.blogspot.com/ (a Malaysian video in English)
http://www.aglocotest.com/ (A newbie diary)

Sample referral email:

I am a member of AGLOCO. It has a goal of reaching 10,000,000 Members by July 1st.

Here is why I would like you to consider joining:

1. AGLOCO pays you, as an Internet user, your fair share of the value created while you surf.
2. The AGLOCO's free software puts you in control of what arrives on your screen and what data you allow outsiders to collect.
3. AGLOCO is a 100% Member owned company which rewards the Members who help build the company. It never costs anything to be a Member

AGLOCO is only four weeks old and it has already signed up tens of thousands of Members and has created enormous Internet 'buzz' (over 700,000 pages in Google's search talk about AGLOCO).

AGLOCO is not a 'get rich' quick scheme. Every additional Member raises the value of all the Members, so we all get more if you join

It is free to join and Membership never costs anything. Click here to read more and sign up now. http://www.agloco.com/r/BBBB5626
Thanks

"

Okay, if you are keen to join me, click on this link:
http://www.agloco.com/r/BBBB5626

Currently there is no viewbar, but will come later :) Guess I am not so much of a promoter. Not even close to 3 digit signups lol, but anyway do join me if you are interested because it is free. I believe 10 millions is quite possible to reach with the current state of internet advertising and you can easily refer to friends and family members so why not? :)

I will try to update one or 2 times per week. There doesn't seem to be much to update well perhaps recently there's a scam warning on Rog's program(high risk category) and Marcos is still unable to refund us yet but is trying...

HYWD Issue 78 is out!

2006-12-13T20:50:00.000+08:00

HYWD Issue 78 is online

Issue 78 Inside

- HotSpot: Fx-Experts and Marcos - Your time is running out
- 5 Fast HYIP Reviews
- I Plan To Retire At 43, When Do You?
- Investing in Australian Aboriginal Art
- Option Trading for the Beginner
- Victoria Picks: FundAdvice
- Issue 78 Reader's Digest

Marcos, marcos where are you? Those who are in FX-experts and are seeking refunds I think it is time for action if he doesn't pay out or give us some solid explanation...

Not much to update, shall be waiting for payout from The Finer Things. 12 more days and they are paying out on Christmas, perhaps will withdraw a higher percentage this time! :p

Agloco - A deeper look

2006-12-09T13:38:00.000+08:00

A cut and paste from the website:

The Viewbar™ is a small toolbar that rests on the bottom of your screen or browser window while you surf the Internet. The Viewbar™ software is what enables AGLOCO to collect the money you are earning while browsing the Internet.

The Viewbar™ keeps track of your online interests and preferences, and uses that information to deliver the most valuable message to you at the right time. Because privacy is a core principle of AGLOCO, the Viewbar™ communicates with our secure servers in an encrypted fashion to keep your information private.

Some people have asked: “Is the Viewbar™ some kind of ‘spyware’?” The answer is simple: The Viewbar™ is the opposite of spyware. Spyware sneaks onto your computer without your knowledge or permission, it steals your private information, and it’s nearly impossible to remove. Unlike spyware, the Viewbar™ is completely permission based, it keeps your information private, and you can always turn it off with a single click.

The AGLOCO Viewbar™ (currently in limited beta) is shown below:

Mouse over for more information.

NOTE: The AGLOCO Viewbar™ is currently in limited beta testing and is not yet available for download. We expect that it will start to be available to download in several weeks. It will be released to Members in the order in which Members signed up. No testers are receiving any earnings while using the Viewbar™ in this testing phase. For now, we ask you to build the community, because both you and AGLOCO make more if you grow the community.

The Viewbar™ also has many additional features:

Search (which lets us get you money from search engine companies)
Contextual ads (which lets us get you money from advertisers)
Anti-fraud and other software utilities (which lets us get you money from software companies)

Here is a screenshot of what the Viewbar will look like on your desktop:

AGLOCO Viewbar™

For me, I would stay with it since it is free and you can cancel your memberships freely, why not? These are 2 relevant links for your information:

http://www.techcrunch.com/2006/11/20/web-10-undead-rise-agloco/

http://aglocoblog.blogspot.com/

Of course, if you do a google, you will find that everyone is promoting this program, tons of links. Will it work? That really depends on everyone. I will post more on this as time goes by. Meanwhile, if you are interested in this program, do join me in this journey :)

CIM still going on...

2006-12-08T18:03:00.000+08:00

Some time ago, one of my readers emailed me about CIM's link on my blog is gone. As i gathered from chancer, the northern calm blog owner, CIM is being defensive about the programs which have failed but seems like they are updating members via emails and they have positive profits, since I am not in this program, I probably can't update much on it.

There's not much news to report here. Of course, christmas is coming, save your money to spend instead of paying for scams out there. Be careful.

Here's something great that might motivate you:
http://www.212movie.com/

Some program results and Hywd issue 77 is out!

2006-12-06T10:45:00.000+08:00

Got some results here:

Gigmutual: 1.64%

AdvantagePrv: 12% loss but absorbed by company?

Joyfund:
Joyfund's return: 11.02%

Direct Investors : 7.02%

TAIC Investors : 5.95%

Feederfund investors : 5.26%

Ibizatraders: No given figure?

Collectivewealth: 2.4% for October

HYWD Issue 77 is online.

Issue 77 Inside

- Global Forum Network: "Our previous projects are still doing well"
- HotSpot: Ibiza Traders - Scam or Failure?
- 5 Quick HYIP Reviews
- What's Your Money Style
- Stats of a Scam: 12DailyPro's $500M stash & other figures
- How to Setup a Profitable Trading Business
- Victoria Picks: Investor Guide
- Issue 77 Reader's Digest

Xlentxtra - The Finer Things

2006-12-03T12:47:00.000+08:00

This is what I have in my mailbox:

"
Hey there

With the growth in The Finer Things some of you may have noticed some web slowness - and every now and then a spend does not make it into your back office.

So effective immediately we have decided to make some changes - which will help protect the integrity of the program

TFT will no longer record the spends in an online database

What does this mean?

1) All spends from now on going forward will not be entered into a database therefore they will NOT show in your online account - you will not have an online account any more

2) Previous spends will not show in your online account. (This facility will be removed very shortly.)

3) There will be two ways to spend to TFT

a) Directly from your egold account to TFT egold account 3763976. No confirmation email will be sent for spends made this way.

b) The same way you always have. Login to TFT and there will be a spend page. This page is not attached to an online database. If you spend from this page you will receive a confirmation email.

4) New members are still asked to sign up at the website so that we have a record of email address to notify of program details.

5) All terms remain the same except one. There will no longer be any referral bonuses. Tracking referral payments under these new arangements will be too cumbersome and time consuming.

6) Payouts will be done after the maturity time expires, which is 30 days. You will now need to keep track (of your new spends) via your egold history.

7) As before, there is no requirement that you ask for your payout. They will be done automatically upon expiration.

Why we decided to take away the TFT back office.

There are a number of factors in making this decision. The strain on the server processing - with both TFT and the partner program XLO was meaning that more spends were not being processed through to the database in TFT.

Additionally- by taking the program "offline" we are immune to various sorts of "online" attacks. We will pay to the egold acct you spend from - there is no possibility of your TFT account being hijacked by anyone else.

These changes take place immediately - and any spends that are went "missing" today - and have not been returned will fall into these new arrangements.

Please come along to the forum at www.xlo-tftforum.com and make your comments.

As always we welcome your feedback and support.

Andy
"

This is a good move if you ask me. No referrals fee could extend the longevity of the program since they already have a number of people who put their money in. It is protected from online attacks such as DDOS attacks. More importantly, safer to invest.I can't say how long this program will continue, it depends on us.

Ibizatraders, Adv Prv disappointment

2006-12-02T13:13:00.000+08:00

Well, I would remove the (gd potential) for these 2 programs. As I have said way earlier before, if they are good programs , they should test out their programs and go on live so that everyone would make money every month and there shouldn't be negative returns if proper strategy is used. Why do I say that? Because I know that proper daytrading strategy works both ways, you can win in bull or bearish market and I have heard positive results this month. Well, maybe maybe December would be harder to trade, but I don't see how the other months would turn out negative.This week alone, I have seen a lot of potential setups for profit myself so it turns out to trade yourself would be the better way? Well, that's if you have some time to spare and your timezone is great for trading during a larger movement in the market. Anyway, a 6 months monitoring is good to evaluate whether the program is performing well, these 2 programs have yet to reach that timeframe. Hope to see better performance else I may just quit too.

Here's the update from Ibizatraders:

Dear Investors,

Today is a sort of black day for us at Ibiza traders. Although the
forecasts were very favorable for this month, as I wrote in my last
(interim) update, we have suffered a substantial loss. This could happen thru
a variety of circumstances but let me blame my self in the first place
as I do not like to hide behind all kinds of internal/external causes.
I understand that this will come to most of you as a big and nasty
surprise. For me it is as least as nasty as for you. Apart from the fact
that I have a lot of my own money invested in this project, also my
private account was hit to the same magnitude.

Apart from the financial aspect, much more important to me, also my
reputation is down the line. So personally this hurts me very much. Forget
the idea that we have stolen money from the fund or some other form of
fraud committed. We have hard proof for the oneâ€™s under you who do
not believe us.
In spite of the facts as written above Ibiza traders is not bankrupt.
We lost a good part of trading capital but not all of it and above all
not our self-confidence either. The loss could occur due to a
miscalculation on my end and perhaps a bit of ignorance as well, I have to admit.
In the mean time we have looked and found ways to prevent this in the
future.

We have also held our trading model against the light and we had to
conclude that it did not meet our expectations; in the period of testing
this model, during the first half of this year the markets were very
trending while as from the month we started the market went entirely
sideways (range trading). However in the meantime we discovered another
model with an excellent track record We have so much confidence in this
that we agree to let Bluemax have a look in our books as often as he
wants. We can also send him a daily or weekly trading report so that
someone. representing the investors,
can control all the time how we are doing.

Having said this it will also mean that we have to set a 3 months
moratorium on all interest payments and deposit withdrawals. We apologize
for this although we are 100% certain that we will be able to come out
of this temporarily situation stronger than ever.

Peter Ris

Advantage Private from Takii on hyipdiscussion:

"
The loss will be made up by the companies profit. As of course its the companies fault for the loss. If i make 10% of the current amount in the account. Clients will recieve that amount.

I do not rely on new clients to make up for loss. So I will not be holding them responsible for the loss.

I wouldn't expect big payouts in the next 2 months though, as trading will be light due to holidays and market conditions
"

Secret to being rich

2006-12-01T00:59:00.000+08:00

Hi all, just wanna share a video which I find enriching to the mind:
You can also go over to http://thesecret.tv/secret-to-riches/

HYWD issue 76 is out!

2006-11-29T14:51:00.000+08:00

HYWD Issue 76 is online.

Issue 76 Inside

- HotSpot: NSFG pays the refunds
- 5 Fast HYIP Reviews
- 5 Ways Anyone Can Get Access to Money for Investing
- What It means To Be Truly Wealthy
- Understanding Stock Charts - A Few Basic Tips
- Victoria Picks: The Zen's Den
- Issue 76 Reader's Digest

Okay seems like my busy schedule is over. I will try to update on my portfolio and give everyone updates from various programs... :) And also, one of my readers has set up a blog so please do give him some support over here.

New Program, solid earnings and best of all it's FREE!

2006-11-24T20:27:00.000+08:00

Free is too expensive... Own the Internet!

This is AGLOCO™ 's proposition, just three words: Own the Internet.

Whenever you are online, either surfing, blogging, clicking on an ad, making a purchase, all the money generated by your activities is pocketed by a small number of players. At AGLOCO™ they say not anymore!

AGLOCO™ is a global community, whose owners are its Members (you and potentially the millions of internet users out there). Their goal is to capture a significant portion of the value generated by our online activities and return it to Members in cash. Best of all, it is totally free, Members will NEVER have to pay anything, nor will they have to disclose ANY personal information!

How does this work? Once you sign up on their website, when available you will be able to download the Viewbar software, a free toolbar-sized application (half the size of a traditional Windows tool bar) that quietly sits on your desktop without ever hampering your online habits. That’s all you need to do! Just continue using the Internet as you used to… no need to change your habits!

Do you have several individuals using one computer? You can have different AGLOCO™ viewbars to fit the profile of each user.

Don’t want to see or use the Viewbar at any given time? Just minimize it and the Viewbar stops working!

There are different ways AGLOCO™ can make money for its Members:

Cash: You get cash by surfing the Internet while the Viewbar is running. AGLOCO™ ’s profits are distributed back to its Members. And you can also receive real-time discounts should you choose to purchase from AGLOCO™ ’s partners. They will never include gambling or adult entertainment sites as partners.

Shares: In addition to cash, AGLOCO™ will give out shares in the company to its Members. Eventually, AGLOCO™ plans to go public and will be traded on the London Stock Exchange AIM. You can start earning stock options by keeping Viewbar active while you surf. In addition, you will gain extra shares by referring active users to AGLOCO™ (they lose nothing). Click here to see the calculator.

The more people join AGLOCO™ , the more value the community can generate for itself. The company believes those that build the community deserve more: your own profits become larger the more people you refer. You can accumulate hours not only from your Internet activity but also from those who you refer, and their referrals too… Up to 5 levels underneath you! For example, if you refer 10 people and all of them refer 5 people each, you could make over 7000 shares a month*!

Remember, this is all free, you don’t lose anything, all you have to do is sign up, download the Viewbar and that’s it. Build your network and refer friends, family and colleagues to AGLOCO™ and earn even more!

The guys behind this idea include several Stanford MBA’s and a few individuals who started AllAdvantage back in 1998, which gave over $100 million to its users before falling victim to the burst of the internet bubble. Today, the context is much more favorable: The sophistication of on-line commerce, the rapid emergence of communities, the wealth of advertising revenue sources, etc. Isn’t it time you got your share of the Internet?

Don't wait any longer. This is a win-win opportunity, and you’ll make it even more profitable for yourself when you start referring friends and relatives before others get to them! Click here to sign up directly!

From what I see, this program has good quality and $$$ to be earned all over it! I strongly recommend this program because it is free! Try to sign up asap to build your referrals' network. I have also put up this program under "Other money making opportunities". Read everything thoroughly and you should understand the potential. Do remember to sign up here!

HYWD Issue 75 is out!

2006-11-22T11:49:00.000+08:00

HYWD Issue 75 is online.

Inside this issue

- A3Union: We are here for at least 5 years
- 5 Fast HYIP Reviews
- The simple steps to creating wealth
- The 6 Best Times Of The Day To Trade A Stock
- How to Control Excess Volatility in Your Portfolio
- Victoria Picks: Investing Blog
- Issue 75 Reader's Digest

Okay, I think I might have some new programs to add to my portfolio or I may just put them up if there's potential so stay tuned for more probably next month or slightly soon! Added Life-holdings for monitoring. Check out http://hyipblog.nobshyip.net/2006/11/21/interview-with-dan-life-holdings/

Jude has done an interview with the admin.

Rog's offer?

2006-11-20T14:06:00.000+08:00

Hope to get past this November fast as it is really a busy month... Here's some light on Rog's offer:

Who is this guy Rog, is he for real? He started 3 programs namely T2,T1 and PPP1 but all 3 seem to be having problem. This really looks fishy to me, likely a ponzi operation. Well, nobody knows because nobody has enough information on him but anyway, it seems to me that there are some big problems and he is not as active as usual in the forum although he still emails investors. I am glad to come away from this with my initial spend but looking at the situation now, it could turn real bad if it is indeed a scam. I have put his programs 'on hold' section for now. Please do not spend a single dime on this! So there you see, it is risky as indicated under 'higher risk'. I do not have time to update my portfolio yet. NSFG should be showing -70%... and I see no reason we should spend our time looking at this program. I had $100 in from the start and came away with $30 left in my account so I am not going to take it out.

Let's hope Udachu organization will do well for the transition to corporate members for those who are in it (including me). That will really boost everyone's confidence. That's it for now.

HYWD issue 73 is out

2006-11-11T08:50:00.000+08:00

HYWD Issue 73 is online.

Inside this issue

- HotSpot: Udachu Accused In Money Landering
- 5 Fast HYIP Reviews
- Stock Market Investing - Top 10 List
- 10 Ways to Achieve Success as a Lifestyle Entrepreneur
- What Is Your Investment Risk Tolerance?
- Victoria Picks: Passive Forex
- Issue 73 Reader's Digest

Okay, I will be brief.SGFH posted an 11% profit for oct. If you are in sgfh, ui or uf check out udachufundforum to ensure you have sent in your option via their website which is to confirm whether you want your refunds or continue by purchasing ibc or pay $12 yearly as a corporate member(first year free). After filling out the forms, you will see pending llc setup. Do this for all the programs you are in under Udachu. What else did I miss out? Probably you can check out other blogs as I have said I will be busy this Nov...

HYWD issue 72 + some results

2006-11-02T22:37:00.000+08:00

HYWD Issue 72 is online.

Okay, I shall comment on the results which I have got. Ibizatraders - 5%, NSFG down 68% roughly check out http://hyipblog.nobshyip.net/2006/11/01/nsfg-were-down-by-6873/
Advantage Private - 7%. Have I missed out some programs? Well, still need to wait for more news from other programs by the 6th I think...

Meanwhile, for those in SFGH, UI or UF, when you login in your account you have some options to fill in. Please resubmit your choices again if you want to upgrade your account. Okay bye

Slowdown in posting

2006-10-31T20:08:00.000+08:00

I will be posting less for the month of November due to busy schedule but will return to post more during December. Okay so the news is that PPF is refunding and closing the program. I have received the refunds. Very disappointed I must say. All in all, I made $0 from this program. At least it was honest. Better than nothing? Perhaps. Rog's program for trade1 is having problems and if you are in his program he has option for u to transfer your balance to PPP1. I am currently rolling with profits and I want faster payout thus have chosen to transfer all balance to PPP1 which yields 32% to 50% per month. What is your choice?

HYWD issu 71 is out and paid by Xlenxtra

2006-10-25T21:21:00.000+08:00

HYWD Issue 71

Issue 71 Inside

- In Focus: eTalk Network is Back
- 5 Quick HYIP Reviews
- Money Market Mutual Funds
- Can Stock Message Boards Make You Money?
- Speculation Investments Dispelling the Myth
- Victoria Picks: TradeMarked Site and Forum
- Issue 71 Reader's Digest

Okay, I am paid by Xlenxtra yet again... just playing with profit not a big sum as this is considered high risk . The good thing about this is if it lasts for quite a while you can withdraw a bit of money for own use and continue rolling over more money. You may like to join this as part of diversification: Xlenxtra

I will try to update my portfolio at the end of the month or on the 6th...

We've heard a lot of programs dying recently but there's always something great :)

2006-10-24T09:34:00.000+08:00

I have added a few progams on hold... so please do not spend on them as they are having problems:

NSFG (managed account)
ROG's Affordable Time Limited Offer

Straight from udachufundforum for those who are with me in SGFH or UI or UF...

"As stated before, we are eliminating E-Gold. But as promised we are not leaving our E-Gold users hanging. Arrangements have been made for a very reputable exchanger to exchange E-Gold for D-Carat.

The majority of our members have been very happy with the Blue Banking debit cards. Here again, however, Udachu strives to stand head and shoulders above the rest. Each of our members will be receiving a new debit card with the Visa logo.

Many of you know that Udachu Fund is raising the minimum to $5000 on November 1st. We know that Udachu Fund is a long running and well diversified investment that many would like to get into. We have made arrangements for this which we will be announcing shortly."

Damn, I just feel more confident with Udachu's programs. They have complaints of egold and now I think they are changing everything to d-carat and there's a new debit card coming out with visa logo. I have tried the bluebanking card and so far pleased. Udachu's websites are down for maintenance the last time I checked as they are coming out with new software for login from what I heard. A lot of changes which only promises to be better. Besides that, we used to be individual not it is raised to corporate status:

Here's something from Thumper the admin from udachufund forum:

"
You do not have to choose to receive a refund unless that is what you want. If you wish to remain, all you have to do is sign a couple documents and send them back. Your account will be deducted a yearly $12 fee, the first year is FREE."

From Udachu:

"1a) For those individuals invested with less than $5000, we have arranged for your convenience, a smooth and simple conversion process. You may elect to sign two documents; one ends your personal investor position with a return of funds, while the other notionally capitalizes your business membership through a loan agreement to your cell company. Udachu will pay the expenses for a firm to complete the incorporation of many offshore cell companies, each holding up to a couple hundred member positions. Your first year fees will be paid, however an annual $12 charge will be deducted from your Udachu funds on hand, to cover corporate maintenance fees, beginning 12 months later. "

My reply would be: That's a positive roger that :)

NSFG - condemned

2006-10-20T06:50:00.000+08:00

I feel it should be known to readers out there who are intending to get into NSFG's managed account. I advise that nobody should do that! They have been dishonest although not in scamming people but their poor management of money is what irritates me. Check out HansG blog:
NSFG article

Luckily for me, I went in with small figure as I felt that the return wasn't any good these few months. This is a good lesson for people who do not DIVERSIFY. Just remember to DIVERSIFY (more on low, less on medium and high risks) okay? That way, if that program fails, you still have others to depend on. But still looking forward to refunds from FX-Experts....

Ibizatraders update

2006-10-18T22:08:00.000+08:00

It has been a while since my last update. Actually there isnt that much
to tell. We still grow everyday, by memberships and deposits, We are
very happy about that. Second is that by month end we will change our
currency broker for a Swiss Investment bank firm.
We hope to get an even better service there as well as some more
personal attention which most online brokers lack. We feel this will give us
an edge. So we try to become better all the time and are very picky
with whom we want to do business and whom not. I feel this is in all of
our best interest. We are very busy trading the markets and working long
days. Am still happy with 6 hours sleep a day if I get there lol.

I will keep you updated about any other news with respect to Ibiza
traders as soon as due.

Thank you for your attention and kind regards

Peter Ris

Director

This program is looking better. $500 to join now until christmas :) Would be
raised in 2007.

HYWD issue 70 is out and FX-experts update.

2006-10-18T08:52:00.000+08:00

HYWD Issue 70 is online.

Issue 70 Inside

- In Focus: SAK Investments
- 5 Fast HYIP Reviews
- The Investors' Dilemma
- Everything You Need To Know About Affiliate Programs
- e-Currency Exchange Exposed and How Can You Profit from It
- Victoria Picks: My Money Blog
- Issue 70 Reader's Digest

Okay, good news is that Marcos of FX-experts would refund everyone. So those who are in this program, hang on there and you will do just fine. Details are provided at nobshyip blog:
http://hyipblog.nobshyip.net/2006/10/17/fx-experts-saga-part-ii/

Egold Phishing scam email!

2006-10-13T18:56:00.000+08:00

Dear e-gold user,

E-gold is currently conducting constant security-related verifications of all of the member accounts registered with the e-gold service. This measure is an integral part of the e-gold Security Policy which has been developed with the purpose of ensuring the highest level of security to all members of the e-gold community. You will need to verify your account by clicking on the weblink, provided below and following the instructions presented on the Secure e-gold Account Verification webpage. Verifications will be accepted until 20th October 2006 . If you fail to verify your account before this date, your account will be rendered inactive and will be a subject of termination. We are sorry for the inconvenience and thank you for your business.

https://www.e-gold.com/acct/verify.html?user=jjUiO96JmkOKoKAjjanhAJRweWePlNAm

e-gold Account Department

Okay, one of my readers have sent me this email regarding egold sending out the above email. Please do not click on the link else I don't know what will happen... OK, PLEASE IGNORE ALL EMAILS THAT CLAIM TO BE FROM EGOLD. You only go to egold's website to login and you can find all information over there. Online security is not something that you should compromise!

HYWD issue 69 is out!

2006-10-11T22:13:00.000+08:00

HYWD Issue 69 is online.

- In Focus: OpenTrade
- 5 Quick HYIP Reviews
- When Good News Hits The New York Times, Sell
- Real Estate Investing - Avoiding The 'Frequently Made Mistakes
- Investing in Kenya: Tourism Industry
- Victoria Picks: Money Forum
- Issue 69 Reader's Digest

September's result

2006-10-07T00:28:00.000+08:00

Apart from the private programs and fixed payout programs I shall post the results here. The others will be found in the "lazyman's portfolio"(cumulative results).Quite a disappointing month but I am sure October's result would be better. Udachu apparently run into trouble as wire delays for exchanging to egold.(read your email if you are a member)

SGFH: 2.1%
NSFG: 3.75%
Ibizatraders: 16.5%
Gigmutual: 3.34%
Iforexplus: about -6%
Joyfund: -7.58%

HYWD issue 68 is out!

2006-10-04T21:23:00.000+08:00

HYWD Issue 68

- In focus: Egeneration - "We will provide club documents to VIP customers"
- 5 Fast HYIP Reviews
- Do You Really Want to Invest Like Warren Buffett?
- An Action Guide on What to do When You Have Been Scammed
- Ten Steps to Building a Winning Trading Plan
- Victoria Picks: Trade2Win Boards
- Issue 68 Reader's Digest

I will post some results for month of September probably on Friday or Saturday for the programs I am in.Stay tuned..

Ibizatraders - comments and results

2006-09-30T22:07:00.000+08:00

Okay, here's the message from the director himself, I agree GBP/USD pair is a great currency to take profit because I have personally seen it myself, doing abit of trading and demoing...
Here's the message:
"
Dear Investors,

Another month has gone by in the short existence of Ibiiza Traders. First let me tell you the yield: its going to be 16,5%. Apparently the typical summer months market behaviour like in July and August prolonged into September. Although the stock and bond markets rebounded the foreign-exhcange market remained relatively calm, such in contrary to what we expected. The long awaited G7 meeting, on which currency issues were on the agenda, turned out to be a total non event and these biggest industrial nations didnt give any guidelines as to where they liked the various currency pairs heading too. Even about the heavily undervalued yen practically no words were mentioned. Eben the worlds' trade imbalances were disregarded. Only attention went out to the Chinese Yuan rate relative to the Dollar which suffers currently an under valuation of estimated 40% against the Greenback. The Chinese do not seem very willing to give up this low rate, which is fixed to the Usd. As this would undermine their excellent export position. The fact that this undervaluation cost sofar around 20 million jobs in the USA doesnt seem to be found overly important to the US administration. After the G7 all eyes were focused on the new state secretary of Treasury, Henri Paulson (former Goldman Sachs ceo) who visited China in another attempt to change the opinion of the Chinese. Thus far with the same results as his predecessors, many words and little action.

The Euro maintained its stable condition against the other majors and only moved in a very tight range, just like over summer. Foretunately the English pound showed a better volatility of which we could profit substantially. Currently our main activity is Pound dollar trading untill we see opportunities in the other majors. Also we started trading into some of the minor western currencies like New Zealand and Australian dollar which, esp. NZD shows signs of good volatility. Hence, given the market circumstances, we are very happy with the realized results, under the given complicated market situations.

For October, again, we expect overall more activity in the market as usual. The geopolitical situation is not getting much better in the meantime. Negotiations between Europe and Iran havent given any tangible results and we do not think Iran will give up its sovereign right to enrich Uranium and produce nuclear weapons, which was yesterday again confirmed by Iran's leader Ahmadinejad. In the meantime the hawkish stance of the US administration increases which will make chance of a compromise nearly impossible, which in turn will also increase the military chance of US intervention. This will certainly affect the currency market in the weeks and months to come. And also in our opinion we see oil and gold prices moving upward before the year end.

All payments will be done by the 7th October.

We thank you for investing with us.

With kind regards

Peter Ris

Director
"

Okay, I have realised that somebody using the same ISP as me is doing something wicked by creating 15 accounts apparently, and as such my ip address was blocked somehow and after 3 exchanges of messages with the support, I am finally able to access the forum and not getting some funny messages like "you are not authorised to access the page". I am quite pleased with the support team over at ibizatraders as they have replied to my queries quite fast and have even solved this problem. Here's what it is about:

"
We apologize for the inconvinience. Apparently you're using the same ISP as a previous malicious user who decided to register around 15 accounts on the forum at one time, and then login with each one of them at that same time. Consequently, that IP range was blocked. I have unblocked the range, and you should now be able to access the forum. If you have any other problems regarding this issue, please reply to this ticket.
"
Anyway, just a reminder Ibizatraders to get in now is $500 until christmas(read my last post on this), and if you have that amount to get in you may want to do so, trading has been great so far although less than 20% but still great!

High risk category - paid

2006-09-30T22:01:00.000+08:00

Just to point out that I am paid by Rog's offer, xlentra and PPF although both PPF and Rog's offer got delayed due to Egold problem. These programs are considered high risks because of close to zero DD can be done. But I have to point out that these programs are calculated risks! I don't look for programs which promise you 150% in 10 days... or those 120% in 2 days sort of programs , you have to know they are scams right? These are even more risky and for those who have checked my portfolio description you followed my guide which is to take out principal asap, you should be already playing with profits right now like I am now.... As a balanced portfolio, I advise readers to go more for low risk programs, then some for medium and high risk investments.
Sorry I have not posted much these few days but blogger is getting slow and laggy when I tried to connect, prompting me not to update my blog but at least now it is updated!

HYWD issue 67 is out!

2006-09-27T09:34:00.000+08:00

HYWD Issue 67 is online

Issue 67 Inside

- Poll: What is the most important in a managed account service?
- 5 Fast HYIP Reviews
- Trading System - Is It Really Worth Your Money?
- How To Avoid eBay Scams And Fraud: For Ebay Sellers & Buyers
- The Four Pillars of Going Offshore
- Victoria Picks: Online Investment Program & Autosurf Program
- Issue 67 Reader's Digest

Ibizatraders + PPF + Rog's offer

2006-09-26T22:39:00.000+08:00

Straight from my mailbox:

"

After having received dozens of emails with the request to prolong the
$250.00 promotion period we have, after ample considerations, decided
that we will extend the promotion albeit for a higher amount. We decided
that as from next month the minimum deposit for new investors will be
$500.00. This offer will be valid until Christmas 2006. In January 2007
we will definately raise to $1000.00  In this way we hope we can still
accomodate many of you who missed the first promo.

Now more on compounding. Our programmers are working hard on allowing
you the investors the ability to decide how much you would like to
compound. There have been many support tickets and emails requesting this
feature. Hopefully they will have this finished very soon for everyone.
As many noticed today the compound feature was turned off for all
investors. We have opened the compounding button for everyone for the next
48 hours. Please make sure if you want your ROI compounded, please do so
in the next 48 hours. On September 28th at 12:01 PST the compound
feature will not be clickable. The reason for this is that we have to know
each end month how much to send to the trading account and vice versa.
Starting next month and in the future the compound feature will be
locked where you last left it on the 25th to the 8th of every month. This
will give us exact amounts payable to all investors.

Ibiza Traders is growing rapidly and we appreaciate the chance to work
for you all.


Kind Regards

Peter Ris


Director
"

Self explanatory.

PPF has a delay : "it said that the 9/25 withdraw window would be suspended till
10/1, due to system maintenance."

Rog's offer for trade 1 suffers a delay:
"
Per the advice of my Attorney, Trade 1 payments may be delayed for a
few days while he confirms and updates DD information with e-gold. I
have been aware of this situation since Friday; but, because e-gold is
not open for business on weekends, my Attorney has just reassured me

that this matter will be resolved quickly this week.





Please accept my apology for circumstances beyond
my control and for any inconvenience this short
delay may cause you.





Everyone Take Care,



Rog
"

PPF deposit date changed + megainvforum + comments

2006-09-23T16:06:00.000+08:00

PPF (high risk category)
Taken from hyipranks forum:
"
First, the old deposit deadline has been changed for the 4th of the month deposits. It has now been moved to the 7th. So that makes the deposit deadlines the 7th, the 14th and the 28th now. Please take note. "

" The payout window that normally pays on the 25th has been moved to the 28th this month. I have not been told if its a perminate change or if it just reflects this month only. I would count on it being a perminate change unless I hear otherwise."

I have updated on the lazyman's portfolio.

Check out megainvforum updates here by Jude:

http://hyipblog.nobshyip.net/2006/09/21/megainvforum-change-of-administration/

I think I am not going to monitor megainvforum due to the disappointment of the program. Marcos is taking over as admin of this program.There are always other programs sadly I have to give this a miss. Why? Personally I think if you are a good trader or somebody who has developed an expert advisor (a trading bot if you don't know) to trade the forex, you must have already HIGH CONFIDENCE that your trades would be in the positive every month which is achievable definitely, even if it means 2% gain but the big withdrawals from megainvforum and recent losses tell us otherwise. If there's a rule on whether you should join a trading program, it should be that the program is in business for 5 or 6months and is CONSISTENT. It is also why I have not put programs such as "ibizatraders" and "SGFH" under "Recommended/Proven/High Quality Investment Programs!" But really the potential is better given the research I have done rather than megainvforum currently.

I do admit I am taking the plunge for some programs first because SGFH will keep on increasing their min investment and by then I can't join as the minimum would be really high and my funds are stuck somewhere. For us investors, moving funds would be something that requires planning too. So I have decided to join earlier to avoid disappointment and it is in line with my risk assessment. Ibizatraders are ending their 3 month promotion and all payments before 25th Sep would be eligible for $250 min investment. Stay tuned for a newbie guide which I may/may not publish on this blog depending on whether I have enough time. I find that there are some readers who are quite new to hyips and have emailed me...

SGFH reminder + some other updates

2006-09-23T00:59:00.000+08:00

For those interested in joining SGFH, have at least $250 yeah you should try to join this program because it is going to get more costly to join. Fund it before October 5th to be eligible for $250 investment. After which next month's minumum would be increased to $1000 and finally to $5000 min. Another adavantage of joining SGFH for those who wanted to get in udachuinvest and udachufund you may still be able to get in. For more info check out
http://lazymaninvestment.blogspot.com/2006/06/lazymans-portfolio.html and if you wanted to get into UI and UF all along, you need to be member of SGFH first and then UI and UF would be avail to you until 5th Oct then PM the ceo of udachu in the udachufundforum.

Okay, I have received email from worried readers that d-carat and bluebanking services are down. Actually this is what happened:
"
We will be doing a lot of changes over the next few days to all of our websites. We will be adding new features, payment processing , fee changes, text, faqs, and on and on. Please keep your questions and concerns to yourself for a few days if you see something out of place. Within 1 week you will see a lot of changes to websites and there might be a few words and numbers out of place during this process, this is due to moving files and adding the features. Please be patient and let our support,tech, and admin team work together on this and all will run smooth. If you do not get a response within 24hrs the above is why.Thanks for the cooperation and we are looking forward to a new and improved online investing world .
all of our sites include
bluebanking.com
udachuinvest.com
sgf-hedging.com
udachugold.com
d-carat.com
udachuoffshore.com
udachu.com
swedishmerchantsavings.com
"
And yes as of now, I am able to access the sites mentioned.

HYWD issue 66 is out!

2006-09-20T21:59:00.000+08:00

HYWD Issue 66 is online.

Issue 66 Inside

- In Focus: U-pie (United Private Investment Enterprise)
- 5 Fast HYIP Reviews
- Uranerz Energy: Developing Uranium Projects in Wyoming
- 3 Steps to Completely Eliminating Scams from Your Life
- Mutual Funds vs Stocks, What's Your Investment?
- Victoria Picks: Proven Paying Programs
- Issue 66 Reader's Digest

Ibizatraders update

2006-09-19T19:12:00.000+08:00

Here's an update extracted from email:

"

Thank you for your time. We would like to update everyone and give our
apologies for not responding to some tickets that were outstanding. Our
programmers were trying to clean up the admin area and added some neat
features for the ticket system. Somehow they left something really
minor out so we couldnt see the tickets. I just figured there were no
problems. All tickets are up to date now.

There are only 7 days left in the promotion. Some of you are still some
what confused on how the promotion works and ends. The promotion was
for 3 months. On Sept. 25th the promotion ends. Anyone who has deposited
the minimum amount under the promotion period ( $250.00 ) are locked in
for good. You will be able to deposit any amounts that you want. All
members that wait till the promotion is over will have to invest $1000.00
in order to be apart of Ibiza Traders.

Also there are many of you who are confused on the withdrawal page in
your members area. The withdrawal request is to withdrawal your
principle only. Your ROI or profit will be sent to your payment processor
automatically by the 7th of each month. Once you withdrawal your principle
you will not earn any profit. The compounding button in your members
area is used to compound your monthly earnings. Each month your account
will be adjusted by the ROI or flucuated return they we make during that
months trading session. Compounding is set to 100%.

Thank you all for being so supportive and  I am very sorry for the
ticket issue.

Peter Ris
Director
"

PPF and Marcos of FX-Experts speaks!

2006-09-18T19:18:00.000+08:00

PPF news:
"

Hello Everyone!

As stated when I started this program, I will be raising the min deposit amount starting October 1st, to $100.00.

Doing payouts and deposit confirmations at this point with min deposit spenders is getting extremely time comsuming.

Also starting on October 1st, all deposits from that date on will receive a flat 175% return.

Making the return a flat rate also helps reduce my time in figuring individual payouts.

There have been some PM’s to me about how often a max deposit amount is allowed. Also starting October 1st, I will be allowing a max of $2500.00 per cycle date. In otherwords, you can deposit the max only three times in any given month, on or before each new cycle start date, being the 4th the 14th and the 28th.

The site will be change the night before October 1st, to reflect these changes. As always, if you have any questions, feel free to PM me anytime.

John
"
Marcos:
"
Just calm down guys, please.
I hope to re-start tradings this week. I already told you and I’ll tell one more time.
No, I won’t SCAM you.
You guys will see a 0.2% daily pecentage in our website soon (with no principal withdraw and deposit allowed for some time). This is the only way to show you guys that we still working here, I guess.
Thanx
Marcos

"

Above are taken from forums... For those waiting for refund, I am quite confident of that when FX-expert refunds! As for PPF, high risk program but I have included it as part of my investment program. Just take a look at lazyman's portfolio link.

Ibizatraders review

2006-09-17T02:55:00.000+08:00

Okay here I go...

Ibizatraders is a forex trading based program which states that they will pay investors about 20% monthly.The first month result is 15% by the way. 20% is really a nice profit and not many people can do that consisitently but it is quite possible. They have also stated their risk management style: "No more than 10% of the capital is ever at risk." Further, they do not provide referral bonus which is what most ponzi programs do: " We do not offer any type of referral bonus."

An explanation on how the program works: " By the 7th of the month, your earnings will be applied to your account as active principal and backdated to the 24th of the previous month if you have compounding enabled."

"$250.00 during the first 3 months as a promotion. After 3 months the minimum investment will be $ 1000.00. After the preliminary 3 month status. Any member that has made the minimum deposit in the first 3 months will be allowed to invest under the normal terms." And this offer ends on 24th September 2006 by the way.

They also do not have a maximum amount set: "At this time there is not a maximum amount set. Please feel free to invest as much as you like. For very large investments, please use the bank wire option."

" You must have funded your account on or before the 24th of each month in order to start earning the following calendar month. Returns will be published on the last day of each trading month. All bank wires should be received and approved by the 24th of each month to be credited as active principle." Okay here's the KEY. Bank wire transfer. Think about it, would ponzi programs use wire transfer? It is known that wire transfer would leave a trace and if the admin is involved in money laundering, he's gonna be caught.

Three ways to fund: "You can deposit with Ibiza Traders by using E Gold, E Bullion or a Bank wire transfer. If you decide to do so you can always deposit through the aforementioned options.. All the funds received on or before the 24th of each month will be taken into trading as per the 1st of the following calendar month. Hence you wont see your deposit appearing in the my account section until the 1st of the following month i.e. when your deposit has been transferred internally to our trading account. All bank wires are to be done in USD. All bank wires should be recieved and approved by the 24th of each month to be credited as active principle."

So what can I say about this program? It is better than 95% of other ponzi or hyips programs that you find. BUT it is new and so the risk in my opinion is that from trading loss. For those who have a low risk tolerance please wait for about 6 months after the launch of this program to join which by then is $1000 but at least you are quite sure that they will perform consistently. At the moment the forum is inaccessible not sure why... (will add more things if i can find... )

A quick check of whois at arsys.es reveals correct info:

Datos del dominio ibizatraders.es

Registrante: Peter Ris

Contacto Administrativo: PR214-ESNIC-F4
   Peter Ris
   Aptdo 16
   07817
   Ibiza
   ILLES BALEARS
   ES
   +34.971396222
   rispeter@telefonica.net

Contacto Técnico: PR214-ESNIC-F4
Contacto Facturación: PR214-ESNIC-F4

Fecha Creación: 17/05/2006
Fecha Expiración: 17/05/2007

Servidores DNS:
   ns12.zoneedit.com
   ns7.zoneedit.com

Some important people have better quality images
and they have verified Peter Ris documents as genuine.

Again bluemax respected forum moderator for hyipnavigator
confirmed my belief:
"
I
have no reason to believe that this is a fake program
whatsoeverLeftfield. Quite the contrary. I would agree
that the biggest risk with any "real" program is the
talent and experience of the traders. Time will tell
on this. Clearly we'd all like to know that stop losses,
leverages and other measures are in play with relatively
conservative controls to help protect the fund."

That should be sufficient I hope. Have a nice day!

Anyway here are relevant links:
http://lazymaninvestment.blogspot.com/2006/09/ibizatraders-update-pp01.html
http://paranoidinvesting.com/articles/ibiza-traders-reviewed.html
http://hywd.info/node/494
http://lazymaninvestment.blogspot.com/2006/09/ibizatraders-forum-news.html
http://www.hyip-navigator.com/forum/showtopic.php?
http://www.oppinvestclub.com/article/ibiza-traders-11-1.html

*****edited Okay, please ignore the part about wire transfer.I have feedbacks from
readers that Scam programs do use wire transfer as one of the option. One of my reader
told me that Ralf-finance which was a scam allowed wire transfer by giving him their
"bank details" for wire transfer but turns out to be details of egold exchanger in
Estonia. So wire transfer doesn't mean anything. Hope this helps... and take a look
at 10 myths of due diligence, I made a mistake but yes everyone learns from
mistakes! Just beware next time!

Paid by Rog's Affordable Time Limited Offer

2006-09-16T00:14:00.000+08:00

Well, so far so good received my payment from Rog... have another one coming soon. If you want to get in this, just take a look at lazyman's portfolio or click on the link on the left sidebar. High risk though.

Next, I think I will be doing sort of an analysis for ibizatraders to be included in this blog soon. I have gone in with the min for ibizatraders as I feel that $250(min of $250 available as promotion until 24th September!)is worth it. I have not included it under "Recommended/Proven/High Quality Investment Programs!" because the program is still young. For those with low risk mindset please do not spend if you are uncomfortable. There are plenty of opportunities. If you have the $1000, you can spend later. That is not to say you should spend $250 now if you don't have that much money.Do not follow blindly! $250 is what I can afford to lose but not necessary you can afford to lose.

Anyway more on ibizatraders later, stay tuned!

HYWD issue 65 is out!

2006-09-16T00:11:00.000+08:00

Oops sorry for the delay didn't realise the issue is out but anyway here's it:

Issue 65 Inside:

- In Focus: Global Online Depository
- 5 Fast HYIP Reviews
- Automated Forex Trading- 4 Benefits
- Identity Theft: Dont Be The Next Victim
- Why Land - Why Now? How to Profit from Land, Lot and Home-site PreConstruction Investing
- Victoria Picks: Investment Core
- Issue 65 Reader's Digest

My experience with D-carat and Bluebanking debit card

2006-09-11T21:08:00.000+08:00

Okay, today I went to the atm machine to do a transaction. I have some money with d-carat account and I try loading it to bluebanking card. I must say I am quite impressed with the service. D-carat says they will load my card within 24 hours and they did it in a few hours. Once confirmed , I went to the atm machine to withdraw my cash and it was instant with no problems. This is the first time I am using d-carat to load funds into bluebanking card and the whole process is smooth :) Nothing to promote here but am just sharing my experience here.

Why use d-carat? 0% send and receive funds. $5 to withdraw to bluebanking card only. It is 100% backed by diamonds which is very stable and does not change the value of money like when you put money into your egold account.

Here's the analysis of d-carat as ecurrency:

One D-Carat represents a quantity of diamonds that is always equal to $1700. You can fund d-carat using egold(instant), wire transfer or the bluebanking debit card with 0% fee. Withdraw funds only two options: wire transfer takes 2 to 7 days and Bluebanking cards 24hrs maximum with a $5 fee. You need to scan in your card for verification if you want unlimited transaction. If you do not scan in your verification and upload from your account menu it will be $1000 for lifetime transaction.

There are 2 accounts available - Restricted and Verified.

*

Restricted - simply means that no ID has been obtained and has transaction limitations.

*

Verified status is obtained once ID has been provided and limitations are removed.

Does D-Carat allow HYIP or Pyramid Schemes?

No. HYIP (High Yield Investment Programs) or Pyramid schemes are fraudulent activities and therefore illegal in most countries.

This is quite important as we see that egold had to deal with problems from autosurfs and stormpay the famous case with 12dailypro....

That's about it. If there's anything more I am going to add I will edit the post again and this post will be under "Program Reviews & articles".

Hope everyone finds it helpful!

Ibizatraders update & PP01

2006-09-08T17:22:00.000+08:00

All payouts have been paid to the proper payment processors. This month
went the last day of the allowed time frame for precautionary reasons,
this was the first payments we have made so far and wanted to be sure
everything was in tact and in order. Please feel free to post
screenshots in our forum for everyone to see. Please mark through your egold
number though.

Now for the good news.

After many emails, PMâ€s and personal  meetings we have decided to
allow compounding. The reason for us not allowing compounding in the
beginning was that we wanted to force everyone to receive there ROI back in
there payment processors without the opportunity of just compounding it
every month. It was our way of  not allowing compounding so you would
have to personally invest it back into the fund. Our thoughts were that
you would gain your principle back quicker with only profit in the
fund. Our programmers are working very hard to allow compounding at this
time. The compounding will be set to 100%. There will be a compounding
button in your back offices and you will have the option to either
compound it at 100 % or not at all. If you decide not to compound then the
terms will be the same as in FAQâ€s. The compounding option should be
added tonight. By tomorrow forsure. The exchange rates and etc had no
effect on our decision as there has been and should always be more f!
unds invested than withdrawn. So exchange fees had no effect. We have
allowed this for you the members only.

Thank you for all the kind emails and pms. Please feel free to use our
support ticket system for any account reasons and issues.

Kind Regards,

Peter Ris

Director

For those who wish to join for $250 you MUST put in that amount by 24th September. For
PP01 there are currently 24 places for founder membership. Min is $100 + $25 membership
fee. I don't know whether you can get in because places are fast gone. Just email me if
you are interested.

Some ROIs update

2006-09-07T20:48:00.000+08:00

For the month of August(only programs with not fixed ROI are posted):

GIGmutual: 4.37%

ibizatraders: 15%

NSFG: 3.75% to investors. (Gross 5%)

Joyfund: 9.82%

JF fee is 34% therefore the net result to joyfund investors is 0.66 * 9.82 = 6.48%

And for those via pools :

FF fee is 25% therefore net result to those in the FF JF pool is 6.48 * 0.75 = 4.86%

TAIC fee is 18% therefore net result to those in the TAIC JF pool is 6.48 * 0.82 = 5.31%

I am in FF's pool btw...

For the rest which are private programs I would not be posting the % ROI(return on investment)...Reason being not many people would be interested since they can't join programs which are already private.We should leave the private programs out here... But if you think you would still want to find out the ROI, by all means email me. However, you still can check the % accumulated profits at
http://lazymaninvestment.blogspot.com/2006/06/lazymans-portfolio.html

Hope everyone is doing well :)

HYWD Issue 64 is out!

2006-09-06T19:42:00.000+08:00

HYWD Issue 64 is online.

Issue 64 Inside

- In focus: Colibri Villas
- 5 Fast HYIP Reviews
- Profiting From the Dubai Construction Boom
- Investment Fraud
- FOREX Accounts - One Size Does Not Fit All
- Victoria Picks: Nogold Forum
- Issue 64 Reader's Digest

FX-Experts situation as revealed by Rabbit

2006-09-04T21:15:00.000+08:00

This is one of the highly respected blogger or moderator from hyipdiscussion. Here's what he has to say:

"

I received several Yahoo messages from people telling me that folks here are waiting for an update from me. I would expect Marcos to post a detailed update on what is going on. But since communication isn’t his forte, let me post what I know.

Current Situation

As I mentioned the last time I posted in this thread, Marcos has been paying returns and withdrawals from reserves for some months now. A lot of people withdrew funds since I first reported they were paying from reserves, and they have been paying without touching the main trading account (I have seen deposits but no withdrawals from the account over the past few months).

Why the sudden freeze of the program?

Marcos froze the program because the situation has not improved. Thus, he decided to take a different direction (which resulted in him closing out the losing positions he had opened on the main account with a loss). With the hard loss, the program would have been turned into a ponzi if he had continued to pay the daily returns. And with the daily returns set at 0% for a month or so, people would have withdrawn their funds en masse in panic. One of the options he considered was to set the rate at 0% for a few weeks while raising the principal withdrawal penalty to 25%. The idea behind the raise would have been to stem the amount of withdrawal requests from people unhappy with a few weeks of no interest. In the end it seems he decided to freeze the program for a few weeks.

Will we lose our money?

No one should lose any money. We are not being scammed or anything like that. They are currently in the process of moving to several new brokers which will allow them to use the automated trading systems (not the same as those being used as FXEMA) that will replace the human trader they had before. If past, back-testing, and forward-testing results are any indication, they should be fully back on track within about 4 to 6 weeks.

The Future of the Program

There is a good chance that Marcos will decide not to continue with the program, and refund everyone their account balances (principal plus compounded interest) once he gets things back on track. He doesn’t seem to have the passion he once had for the program (which may explain the lousy customer service some people have been complaining about), and want to focus on the Managed Accounts being offered.

Anyway, I hope this post clarify things and put people’s mind at ease. I have cleared out a lot of PMs from my inbox so if you want to send me a PM feel free to do so. Oh and for those of you that are curious, I have several thousand dollars in the program myself – it is my second biggest public high yield investment after ROG’s “Private Limited Time Offer”.
"

I am not too sure how many people join under me but I hope this will clear things up. This is not ponzi program. Wait for refund!

Regards,
Lazyman

Ibizatraders forum news

2006-09-02T12:00:00.000+08:00

This is taken from the forum of ibizatraders:
"
I would like to take this time to update all members on the ROI this month and much other things in the works at Ibiza Traders.

First I would like to say sorry that I have not been in forums lately as I have been on business trips for Ibiza Traders. I have been in London but trading has never stopped. We have some major business opportunities in the works and will update everyone in due time.

The ROI investment this month will be 15%. This month is referring to all members who deposited before or on July 25th. As noted in many areas on the site It is Ibiza Traders' aim to reach the highest possible yield for its investors. Our aim will be to pay at least 20% monthly. Of course, as you will appreciate, due to fast changing circumstances in the forex market, this percentage will fluctuate. This may sometimes be in your disadvantage but also in your advantage. This month was a short trading month for us at Ibiza traders for trading. We had some issues in the very beginning and were not able to starting trading until the 7th of August. Also We have had some global holidays that we were not able to trade. Furthermore I would like to say that we are proud to pay 15% after a very difficult and choppy holiday market in which the geopolitical situation was very unclear. We lost a week of trading under the circumstances. All payments will be made on September 7th to your payment processors.

There has been a lot of talk in other forums, emails and Pm's about our trading access, read me options, login views to the trading account etc... As investors I can understand your concerns. Ibiza Traders is not like many other funds. Our Due Diligence section is like no other. Its almost belittling to me to say the least for some of the things I have read and received. Please understand what you see in the Due Diligence area is real. My Vitae is real. My Passport is real and the Documents of S.A are also real. I am a seasoned trader and by all means a very well respected one. It has been proven by many individuals that all the documents on the site are real. We have proven our trading account and even given read me documents of our trading this month. We will allow quarterly, the three individuals ( Bluemax, Tony Clfton and Jude from NO B.S Blogger )access to our trading account every three months. Please remember there are many funds out there in which some of you might have invested in, that have not given the transparency as we have.

As Ibiza Traders grows in members and investors it will also grow in staff. We have brought in a new forum Moderator. At times like this past week its been tough for us to trade and watch the forums. Although our support team has done a superb job, we feel this will be a great addition to the quest.

Thank you all for the support and we will keep you all updated about further developments with repect to Ibiza Traders.

Kind Regards,

Peter Ris

Director
"

I am really undecided about this program whether I should join or not because there's really no good DD on the ibizatraders trading account. I mean if Jude, Tony Clifton and Bluemax have access to their trading account every 3 months, it is hard to monitor their trading activities. Thus, what I can say is maybe it is worth a punt with their current 15% ROI. For those who have enough ($1000 at least) you can join at later stages (if I am not wrong before Sept 24 would be the last month for a $250 minimum deposit which would be increased to $1000 after that) when you feel that you are comfortable with their trading. As you can see trading always presents a certain element of risk but risk management if done properly will be profitable in the long term. That's probably what happened to FX-eXperts where the trader lacks some risk management but don't worry for those who are panic about whether they will scam your money. I would really think they would not because there's no reason since Marcos the admin of Fx-experts runs several forex programs, if he does run away with our money you can be sure he will be gone forever... which I do not think so given several respected bloggers in the arena knows about him well.

Okay back to ibizatraders. "My Vitae is real. My Passport is real and the Documents of S.A are also real." Yes, all are verified so if this is what you are worried about then stop worrying, I am more of worried for trading risks than scam....

Also check out my portfolio which has just been updated: Lazyman's Portfolio

FX-Experts on hold now...

2006-09-01T15:57:00.000+08:00

Ok, kind of bad news but this sort of thing happens. Fx-experts seem to run into trouble:

"
Dear Members,

After reading this letter, I am sure all my clients are going to be upset, because they all trusted in our potential, but I also can say that a few people will be “happy” and they will say in the blogs and forums: “I said that it would happen”.

What I have to say today, is not that we are closing the company, but that we had a huge lost in the last days.

We will have to change some points so we can get back what we lost without worrying about the weekly profit. We are also changing the broker so we can give you a better service.

We are going to change those points:
- the daily profit is going to be zero;
- we will not accept withdraws;
- we will not accept deposits;

The company asks you to not worry about the situation, our website will be online and we are going to be here working, trying to help you in the best way.

I am sure that most of our clients rely on our service and will understand why we had to change those points. After everything is all right, we will update you, as we always did.

We hope to return to our normal activities in a few weeks.

We are doing everything to provide you a better service.

Thank you,

Marcos Matos.

I will put FX-Experts link on the "on hold" section.

HYWD issue 63 is out!

2006-08-30T20:17:00.000+08:00

HYWD Issue 63 is online.

Issue 63 Inside

- In focus: Club Fx, A Program By PeterB
- 5 Fast HYIP Reviews
- Online Bond Trading
- MLM Scam - 7 Tips to Avoid a MLM Scam
- Simple and Logical Trade Exits
- Victoria Picks: Ecommerce Journal
- Issue 63 Reader's Digest

Xlentra update

2006-08-29T21:30:00.000+08:00

From my email:
"
Hi there

Hopefully this newsletter finds you well.

I have just been advised that our server will be undergoing routine maintenance on 29 August. Unfortunately I have not been able to get a handle on the exact time of when - but I do not expect it to be down for more than a couple (2) of hours.

Sorry for the late notice; but I have only just found out.

FYI as it will be midnight server time in around an hour and a half, I don't THINK we have anything to worry about for a few hours yet - but I cannot be sure.

Thank you for your patience, understanding and support.

Andy
"

If you are risk averse do not put $$ into this program. I am in with a small spend(see previous post)

Gentle reminder to all SGFH members :)

2006-08-28T19:33:00.000+08:00

Hi all, I just wanted to tell everyone who joined SGFH (check Lazyman's portfolio) and wanted to join but not yet funded their account to do so before 5th Sept 2006! This is because minimum to join is only $100 for the first month for this program. Next month is $250 followed by $1000 and then $5000. The purpose for such a low entry of $100 is to allow small investors to get in so that they can have a piece of the big pie! Read my previous blog entries to decide whether you want to join. I have not put it yet in "Recommended/Proven/High Quality Investment Programs!" because I think no audit has yet been done. I am not cheerleading this program but just want to make sure people who are genuinely interested to get in with minimum entry of $100 which is more affordable :) I would not be making such reminder for this program again. Gotta concentrate on other programs. For those who have a lot of $$ to spare you can invest later not to worry.

Given the relation of SGFH to udachu and the fact that the udachu sites are around for quite a long while... I would recommend this program. Click here to join!

All the best.

Regards,
Lazyman

xlentxtra - The FIner Things

2006-08-26T10:56:00.000+08:00

Okay, so I have decided to join another high risk program which may have a bit of potential. My gut feeling tells me that it would be good for at least a cycle. Why? These guys run the autosurf program XLO autosurf and it has existed for quite a long time mainly because it is a 2% per day surf site. The life time on hyipranks(hyip monitor site) is shown to be 254 days at the time of my blogging. It could be that they need some help to payout their XLO? I am not too sure but 3% can only be earned from referrals' first spend. Yes only first spend! I will be more worried if they give too much for referring to other people as the program will most likely be a fast gone ponzi so there you go...

By the way, one of my respected blogger has put in $600 as indicated here:
"Another gamble that I feel is a very good gamble is XLO's new HYIP site, thefinerthings. It just started a couple weeks back and should last long enough to pay for at least one cycle. It pays 180% in 30 days. I am in this one with $600."
Okay it is still a gamble so I think I may just play for one cycle. If you want to join this, you can do so here.

I will not put this in my portfolio page and will monitor it closely. The safest way I think is still to take out principal asap with some profits if you want. I will put it on the left sidebar for those who wish to try this out. Good luck!

Hywd Issue 62 is out and all about CIM!

2006-08-24T00:17:00.001+08:00

Issue 62 Inside:

- In focus: CIM Mutual, A Balanced Investment Pool
- 5 Fast HYIP Reviews
- MLM Business Opportunities
- Are FOREX Signals Fool Proof?
- The Basics of Fundamental Analysis
- Victoria Picks: HYIP Topsites
- Issue 62 Reader's Digest

Okay, I guess the sharp readers should have noticed something about CIM which is on my "Recommended/Proven/High Quality Investment Programs!" section. Take a look at the CIM and you will see they do invest in good programs. So for those who have the $$ to spare do take a look at CIM as chancer has done his due diligence and provided his report here: http://northerncalm.blogspot.com/2006/07/community-investors-mutual.html
Okay 7% to 12% monthly may not be attractive but it is stable. My funds are stuck in other programs so probably will join in the future because of its good prospect.

For more information, you are highly encouraged to read up on Tony CLifton's article, chancer and azure's blog. For now, it will stay in my "Recommended/Proven/High Quality Investment Programs!" for sure... :)

Hywd Issue 62 is out and all about CIM!

2006-08-24T00:17:00.000+08:00

Issue 62 Inside:

Addition(s) and Downgrading(s)

2006-08-19T12:22:00.000+08:00

Hope people who have invitation codes to Silver Gate Forex Hedging cherish the minimum of $100 which should available until 5th september but I think the best is to fund your account before the end of August. I have not moved this program to "Recommended/Proven/High Quality Investment Programs!" because I do not think I have much info on the audit but nevertheless I am already in this program and invested. $100 is worth the risk! For those interested, I still have the codes here where you can grab: http://lazymaninvestment.blogspot.com/2006/06/program-reviews.html

Okay, I have seen megainv's north finance account and they are in the red. So I am moving them down to "Program(s) I am monitoring:" and this is what Jose announced:

"Hello Everyone,

I am really sad to announce (as you guys can see) that we have lost a significant amount of the funds in our account today.

We have been using an Expert Advisor that have been tested for about 8 months. You can see a report here:
http://www.megainvforum.net/reports/gbp.htm
http://www.megainvforum.net/reports/eur.htm

Last night, the computer running the Expert Advisor was turned off disconnecting the EA from the open trades. This resulted in the losses that were suffered today.

What will we do now?

1 - We will be depositing some of our own money back into the account. We expect us to recover the loss by the end of the month.

e-metal® payment confirmation: Batch 66116128
Paid To: 2516XXX (NorthFinance)
Amount: 15000 US Dollars' worth of Gold
Memo: 174XX - Jose Gomes Jr.

From: 3227XXX (Jose Gomes Jr)

2 - In the mean time, we will temporarily close to new members and funds. We will accept new members and funds again after we recover from the loss.

3- To prevent this situation from happening again, we will be hosting.

Thanks for your understanding.

Zé Gomes Jr."

This news may be a bit late but better late than never :) I am not in and will put in under monitoring and as you can see the risk is only due to trading.

Next, I have decided to add 2 more forex programs to my monitoring list namely fxema and moneymovestrading. You can have more information on fxema from van-bassidor's blog at http://van-bassidor.blogspot.com/.

Moneymovestrading's adminstrator is from moneymovesasia although I never join any of his programs but they are certainly receiving spotlights at the moment. Here's what it says on moneymovestrading page:

"

MONEYMOVES FOREX FUND, a pooled-Managed account that is traded through MoneyMovesTrading, LTD. (Belize) and the MoneyMovesTrading professional trader with nearly 15 years of trading experience at major European banks. This is our latest fund and has a limited operating history, but during the last trading sessions we averages returns of 44%, our goal is 10-25% variable monthly returns based on ACTUAL trading results, all records provided along with proof of trading.

You may also open your own managed account with only a $2000 minumum.

Pooled-Mananged Forex account also available through our partner MoneyMovesAsia . Only $500 minimum. "

Okay I have the links up for these 2 programs on the left sidebar. If anybody has good programs to introduce please contact me via email, it would be good to share because I can't possibly monitor all new programs coming. But pls only recommend potential programs not those fly by days sort of programs which put your hard-earned money at risk and no autosurfs as this blog is all about passive income which I am sure most of you would want to be able to achieve that. Have a nice day :)

HYWD issue 61 is out!

2006-08-16T20:55:00.000+08:00

Issue 61 Inside:

- In Focus: S.G.F.H. Investments
- 5 Fast HYIP Reviews
- How I Made 120% In The Stock Market In 6 Weeks - Working A Day Job!
- Top 7 Reasons for Fighting Phishing Scams
- The 77th Richest Country In The World
- Victoria Picks: Lazyman's guide
- Issue 61 Reader's Digest

Seems like a lot of FOCUS on SGFH investments... :)

SGFH - some missing VITAL INFO!

2006-08-14T23:09:00.000+08:00

Q: What is the minimum investment?
A: The minimum investment to open an account will have an introductory amount of $100 for the first month of the fund being open. If you join after the first month the minimums are as follows $250 minimum the second month. $1,000 the third month and $5,000 the fourth month. It will remain at $5,000 minimum to open an account from that point on. Investment increments are a minimum of $100 each.

Q. When do my funds start earning?
A. You must have funded your account by the 5th of the month in order to receive profits for that month. Returns will be posted on the 5th of each month.

Okay get it? Get in early to pay less... :)

SGFH -- new forex hedging program

2006-08-14T00:39:00.000+08:00

Silvergate forex hedging(sgfh) just started few days ago... I don't know but I feel this should be another good program connected to udachu but is actually separate from UI and UF. Hedging sounds like a low risk business to me and the percentage is paid back to you after 3 months. Okay, I won't go too much detail into this one. If anyone needs an invitation to this program, you can check up 'Lazyman's portfolio'. I think I would place a few invitation codes there if some of you are interested.

I found out a blog which did a bit of research into sgfh and I heard that auditing could be done by trusted members of the HYIP community. This sounds really good. Take a look at http://www.sewercash.blogspot.com/.

I think some may have missed the boat to get into udachuinvest, this may be a good chance and you have to fund before 5th september for the next round and I think I may just take the risk and go in earlier because programs related to udachu seems quite worthy at the moment and Rod(CEO of udachu) himself giving positive signals about it and as the minimum of $100 may increase in the future, it may be wise for us small investors to take the plunge and join in earlier. I believe auditing could be done soon and this program is quite transparent as it allows members with 10k to actually go in and have a look at the trading account. Sounds similar to Megainv? Yeah, more transparency. Anyway, the website is
www.sgf-hedging.com

You can access the invitation codes given out by me here:
http://lazymaninvestment.blogspot.com/2006/06/lazymans-portfolio.html

Finally, just in case all codes used, contact me via email. :)
Good luck to all!

All program updates

2006-08-10T17:47:00.000+08:00

ROI for July:

FF programs(PSHI): 13.17%
An increase over the normal 12.5%...

FX-experts: averaging about 10% monthly.

NSFG: 3.21% gross but final profit to investors is 2.41% for the month of July. Currently, lock in profit for August is 5%.

Udachuinvest: Impressive 15.4% return for the month of July where it is supposedly harder to trade.

Joyfund: 6%

Gigmutual: 3.36%

Megainvforum: 6.75%

PP01: 11%

As for programs like PPF and Rog's offer, the percentages are fixed I won't post for any %.

This post has been updated :)

HYWD issue 60 is out!

2006-08-09T14:56:00.000+08:00

HYWD Issue 60

Submitted by clifton on Tue, 2006-08-08 11:42.

This week we are in Summer mode, so instead of "In focus" there is a small quiz. Have some fun, place your bet and with $5 in your e-gold account :-)

We hope you will enjoy the other articles, which are carefully selected as usual.

Issue 60 Inside

- Quiz: Guess the dollar value and win 5 bucks

- 5 Quick HYIP Reviews

- Mutual Fund Alternatives - What Happens If Your Funds Fall By 20% Or More?

- The Perils Of Trying To Get Rich Quick

- The Irrational Investor

- Victoria Picks: Jorhyne's Online Investing Ventures

- Issue 60 Reader's Digest

NSFG update

2006-08-06T00:15:00.000+08:00

Okay here's some update from NSFG. Although it is a private program now but I believe some people just might be interested how they are doing since they do offer a managed account for trading in forex.

"First off our return for July was 3.21% Gross, which is a Net return to you guys of 2.41%. Not a huge amount, but one that we are very happy with considering how difficult July was to trade in. "

Oh 2.41%! I feel like I did not earn anything lol. They took 25% for management fees which explain the 2.41% gain for july. Anyway, good news for August. They have guaranteed us that they would be 5% at least for August return as they recently earned around 6-7% and Ken would be trading and trying to make that 1-2% into more profits lol. Well, at least there's 5% so far the best return since I joined them... (btw I joined on march 25th this year)

Meanwhile I would be waiting for some updates on FF programs, udachuinvest... not much lately. But I believe joining these programs and looking back 1 year from now I shall be smiling to the bank :p

Some updates...

2006-08-02T12:05:00.000+08:00

Okay if some of you guys still want to get into PP01, it is extended to 2nd August midnight EST.
This is your last chance to get a Founder membership - 10% to 50% a month ROI, less than 100 places left. Request by email if you want!

Next I have some PSX updates which I had joined previously but has removed it from my list due to it not paying and we have no idea whether it is genuine or not. Whatever the case do not spend if you are just planning to join now!

Dear Members,
Good News to everyone! We are almost done with the programming and it will be uploaded anytime this week with all security measures that we have found necessary to protect our members’ data and their privacy. Both Online and Offline Membership base can now access there account online. To further protect and ensure that data available on the online site will not cause any breach of security, we will be verifying all requests made through our internal system which can only be accessed in our corporate offices.
New Services, Plans, Policies and Terms and Conditions will be laid out this week.
We are also going to place a Support Ticket and establish our Support Groups worldwide to provide a more efficient and better Contact Management and Support Services to our members.
Funding of Accounts can be done in various ways including Direct E-Currency Funds (from e-gold and e-bullion), Check Payments (30 day clearing), Bank Wire, and Western Union.
Payouts will be available in your Debit Cards, E-Gold, E-Bullion and/or Corporate Check.
Of course, the answer to the most awaited question: PAYOUTS will absolutely resume within the first two weeks of August.
Get ready to see the New PSX in Action!

Henry

Okay that's about it for my quick updates. Anyway, HYWD issue 59 is out! I think it is a good read. Very informative and perhaps helpful to those interested. Here's the link:

http://hywd.info/

Megainvforum Due Diligence 2

2006-07-29T12:32:00.001+08:00

Well, I decided to wrap up my research on Megainvforum and maybe a little bit on their trading but I can't go into that much since Jose's trading style is he doesn't trade the major currencies pairs but that is what most traders do. Major currency pairs would be more volatile and have more volumes, thus is one were to take advantage of the fluctuations, there would be great profit.Well, to each his own...

Here we are going to look at his past trading performances which is available via the northfinance metatrader platform for investor's view so actually there's no harm or any hacking can be done to his account. To quote from the hyipdiscussion thread which he posted:
"
From today on, the access to our TRADING account will be free and permanent to members and visitors. You will be able to follow in real time the account evolution day after day! Our program will work in a managed account style, however with a minimum investment very reduced!

Download the trading platform here: http://www.northfinance.com/files/Me...r/mt4setup.exe
Login: 17497
Password: mega 00
Server: NorthFinance-Real

Thank you all,
Jose Gomes Jr.
"
And a guaranttee that says his account would not be hacked for those not sure:

" Hello opie999,
This is an investor password. No orders can be placed using this paswword, you can only check the account. "

Okay his trade past records shown on northfinance mt4:

This is his very recent open trades(positions are not closed yet!):

The high transparency of this program Megainvforum should really make everyone convinced that your money is put to trade and not going to be scammed. I mean if he can show it so openly to others it means the legitimacy of his program is without a doubt and he has confidence about his trade. So my advice is go for it! But you may want to check out the performance first. That's all about it. End of DD.

Programs updates

2006-07-25T17:54:00.000+08:00

***MANDATORY*** Please change the email address you use for the forum to one of your email addresses that you use for UF or UI. If emails do not match up, you will be deleted from the forum.

07-23-2006 Thumper (Administrator)

Oh this is what you see when you logon to udachufundforum. Not sure if it is alright to post here but anyway they have already shut their doors to new investors. I am sorry for those who join under me and yet did not fund their account. This is quite sudden but anyway the announcement from the forum:

"
Hello Udachu Fund and Udachu Invest members. It brings me great pleasure to announce that our liquidity and diversification have put us in the position to close the funds to new members. We no longer require new investors in order to satisfy the financial needs required for a stable investment club. Our hard work has enabled us to realize our goals in a minimal amount of time. We understand that this may bring about questions as to the future of Udachu. We can only say at this time that we are looking forward to a long and profitable future with our current members. As of this posting no new members will be accepted. The fund managers will be undergoing changes for the next few days. We will keep the members updated as information is available. I would like to congratulate all of you that have joined us. Here is to a prosperous future...

Udachu
"

For those who are in UI or UF, great for you. I am in UI at least am glad about it. This means the program would have more stability. There's no point in taking in too many members and good programs should have cut-off so I am totally okay with this. So they are going private...

I have another private program(PP01) which I find it worthwhile to join and a lot of you readers have requested for the information via email.It closes on 31st July so do not miss out the chance! Seems like yet another program closing its door.

Oh wait for those who had an account before you can still be in udachuinvest:
"

Here is the deal, we need to make some changes to the UI site to accomodate the recent changes, If you cannot log in and you had no money in your account send a email to john at admin-ui@safe-mail.net with your username password real name and email address,,we will reactivate your account and you will have till the 5th to fund ....
PLEASE do not send them to me.
We will have it all sorted by the end of the week ,so send them quick so we dont drag this out.

Ibizatraders update

2006-07-25T17:41:00.000+08:00

Okay this is what I receive on my email:
"
We know there has been much talk over the weeks about our proof of
trading. We have been talking to 10 reputable Due Diligence sources. We
have decided to let Bluemax ( the Moderator from
http://forum-navigator.com/forum/showtopic.php?id=956&page=1 ) also we
will let Tony Clifton who has done a indepth DD on us. Please look
here( http://hywd.info/node/494) We have had many curious people asking to
have a look in trading account and feel that these two are the most
reputable that have asked. Here at Ibiza Traders we want everyone to feel
comfortable making investments with us. Once our trading starts under
Ibiza Traders we will give them full access to our trading account to do
the indepth analogy.

All new members who have joined Ibiza Traders, In order to join the
forum you have to register again. Your info and usernames that you gave
for the website are only for the website. We get many emails and
questions to obvious answers that are in the FAQ. We understand that there is
alot to consume on the site but please read the entire site. It will
help you understand exactly what Ibiza Traders is about.

Please everyone remember that today is the last day to invest for this
August 1st trading month. All deposits made tomorrow will not go into
trading until September 1st. Everyone still has 6.5 hours to invest.

We look forward to Bluemax and Tony Cliftons response and
Investigations of our Proof of Trading!

Kind Regards

Peter Ris

Director"

I haven't done any real DD on this but have seen positive comments from Tony Cliftons.

Megainvforum Due Diligence

2006-07-24T10:32:00.000+08:00

This is new to come into the scene but seems like it has been well received. To register go to http://www.megainvforum.net/ .

To quote from the forum,"Deposits can only be made via E-Gold. The minimum deposit for a new member is $100. You can deposit any amount after the initial deposit. You will start to earn profits on the following month after deposits or aditional deposits. The last day to deposit to receive profits on the following month is the 25th day of each month."

"Returns will be posted on the last day of every month. A report will be generated and and posted in this forums. The administration fee wil be 20% of profits each month. Another 10% of the monthly return will be put into a reserve fund (this reserve will be traded). No administrative fees will be deducted if there are no returns for the month."

"The withdrawal request must be made within the first 3 days of the month for payment the 4th to the 7th of the month. You can withdraw the profit of the previous month without a fee."

"A 20% admin fee will be assessed to all withdrawals. This fee will be reduced to 10% after 90 days. The reserve fee will always be 10%. A balance of $100 must be maintained in the account at all times. However, a member can withdraw the entire balance at any time if he or she wishes. Remember that there is a fee of 10% to 20% when all or part of the principal is withdrawn."

Best part of all, you can actually have access to their trading account for one week. Here are the details:

Login: 17497
Password: one week
Server: NorthFinance-Real
You can download the platform here: http://www.northfinance.com/files/MetaTrader/mt4setup.exe

" Our monthly goal in terms of returns are 5% to 20% monthly(trading forex only). "

Okay sounds to me quite reasonable but even then we still need to look at some DD. Jude from nobs blog has made an interview here: http://hyipblog.nobshyip.net/2006/07/14/interview-with-jose-gomes-megainvforum/

Okay so how this work is that you will do everything on email just like NSFG some of you who are in it should know. They have also updated their statements and results:

"June, 1st = $12,000.00
June, 30 = $13,312.87

Profits = $1,312.87

Performance = 10.94%
Performance - Fees = 7.66%

Admin fees = $0.00 (donated to reserves)

Reserves = $363.84
Total reserves = $393.86

Members profit = $919.01

Withdrawals = $0.00

Reinvestments = $919.01

New deposits = $15.100.00

Members amount at July 1st = $28.019,01
Amount traded at July 1st = $28,412.87 "

http://www.megainvforum.net/2006/june.htm

Well, 7.66% is not impressive to me and I am wondering if a lot of people join megainv they would probably have a lot of work to do. But then again program like NSFG which is very transparent (private) did not do well hitting low % in the past months. However, I shall monitor this program. If too many people are joining this program it may head to private. For now I am happy with programs like udachuinvest which promises double digits monthly and FX-experts is doing well with weekly compounding.

From Jude's interview, it seems that Marcos the admin of FX-expert is helping up with the admin of megainv which may add more credibility to this program.Also DD documents are given to Jude. Looks like there is not much of scam going on here so it is the performance of this program that would determine whether we will really want to join. Seems like he will only close the door to members when 2 or 3 millions are traded.

A very good DD of megainv forum can be found on:
http://www.etalkmoney.com/investment-programs/investment-due-dilligence/megainvforum-interview-and-due-diligence/

Overall, I am impressed with this program and can say it is REAL investment program but I would want to look at performance in trading for first few months.
That's all for the day. Hope you find these infomation useful.

Future direction of this blog

2006-07-23T22:41:00.000+08:00

Well, if you have noticed i have removed a lot of programs on my blog. I do not want to earn referral commissions for crap programs and now I will only list those programs with genuine investing opportunities for anyone who comes across my blog. If you notice a lot of other blogs have autosurfs, hyips(fly by days...) suits you if you want to follow them. I AM LAZY. I do not want to do surfing no more crap hyips which doesn't last. I want to set the record straight.

If you stumble upon this blog, good luck to you you may have open yourself to more genuine opportunities to put your money online. And if you notice I do not have much programs which give me referral commissions because I do not care a shit about it. This is where I will post my research on high quality programs. Yes, you may complain that $50 min for some of the programs is a bit high but based on my experience these are the programs that pays. Treat this as a part time income if you want because you have to start from small just like what I did. You may want to venture into forex, futures or stocks if you truly want financial freedom.

Okay having said all of the above, I am in Joyfund through Feederfund sad to say is closed to public at the moment.Joyfund basically deals with commodities trading and the trader's accounted was audited by several people(Rabbit, Paranoid, BlueMax).
Okay, you can find some info from rabbit's blog and HansG's paranoid investing site. I have included all these quality links so that you can refer to them. But I think Joyfund is too costly to join and that's the reason why I join it through Feederfund. All my programs are less than or about 20% per month but with these kind of returns they are stable programs. Do not go after programs which promises like 150% in 10 days unless you are a pro. I feel that there is no need since I am lazy to do my research on fly by days hyips or even fly by nights. And to have peaceful nights ahead, I think you have 90% chance of withdrawing in profits for my recommended programs for months and months to come. More information on Joyfund can be found on the link on the left sidebar of this site. 1unit now costs about $483.23.
Ahem, min investment is 6units. Do the calculation.... Heard it is going to rise more. But the trader has so far been impressive with his results earning an average of 28% per month which is why it has caught the attention of FF so people like me would scramble to invest. Okay, for those who have a lot of money go for it. If not there are always program like FX-experts udachuinvest around... :)

And I forgot to mention for those interested in PP01, do email me fast because it is closing on 31st july. It is a great program from what I see. Good day to all!

Got paid from alpsfinance

2006-07-21T18:22:00.000+08:00

Here's the screenshot:

Well, guess what I've been paid by alpsfinance and I am going in for the second round. Do join me on the ride! But it is a game so play with caution. Should be in for this last cycle only.

Ibiza traders

2006-07-20T22:32:00.000+08:00

This is a new program which I may venture into. You can read all about it on High yield weekly digest. The link is: http://hywd.info/node/494

Seems to me that new hyips which are coming up are better and mostly related to trading but also more reliable. The good thing about ibiza traders is they provide due diligence information and anybody can check it out and their trading account has not been audited yet by any senior bloggers out there but the admin agrees to it so we might have some good stuff coming up!

Egold Phishing

2006-07-19T16:09:00.000+08:00

How many times are phishers going to scam people. Damn it I really hate it but I must warn all readers of this egold phishing email which I found in my email:
"
Hi,

Yesterday I checked my E-Gold account and was really amazed to find about 200 gold ounces (100,177.90 USD) there. I have never had such a big amount of money available (the last balance of my account was only 177.90 USD) and I have no even a slightest idea about the origin of the money. Upon receiving the requested history of records I realized that the transfer had been made 2 hours before, and the Memo field contained your e-mail address (email address removed). In a short run, while I was making the inquiries, the money and MY own savings of 177 USD disappeared. I changed my password immediately and now intend to clarify the situation and to investigate the people, who involved me in the unfair play. Fortunately I managed to save a screenshot copy, enclosed to my letter. Hope for your assistance in this matter.

I feel a little bit scared and still hesitate to apply to E-gold support service.

Best regards,
John Gavery.
"
Do not bother about this email, it is just out to get your egold acct details....

Program updates

2006-07-12T13:53:00.000+08:00

Udachuinvest:
Netted 13% profit in month of June. I like that for a long and stable program.
Fund using egold and withdraw using bluebanking debit card.

FX-experts:
About 12% per month which is fair and good reviews everywhere on this program. Definitely worth it. 5% referral commission. If you want to withdraw prinicipal amount 10% charge.

FF(PSHI):
I am sorry readers may not get to go into this private investment probably not so soon in the future. This has been around since 2003 and is still solid as ever. 12.5% profit for one of the investment program(PSHI) I am in. The advantage is you just need to put $50 into FF instead of $2500 minimum if you want to get into PSHI directly. FF stands for Feederfund.

NSFG: Finally this real opportunity is starting to rock with 3.63% profit in the month of June. They only traded during last week of June. Again, sorry this is not open to new investors as it is already private.

PP01: Closed to new members but netted 13% profit in the month of June. I just joined this in July from recommendation by my upline.

That's about all. You can also check out other money making opportunities such as Global Pension plan which boost a lot of opportunities and in the eyes of some experts can be a good opportunity. If you like some matrix programs go for m8rich and 22usd(join thru successbuilderclub is recommended) Not recommended to spend at the moment is Pointsharextreme....

All the above programs are via egold only. I just realised I do not have much info on funding via egold for readers but may soon add a section on that soon. Stay tuned and good day!

Udachuinvest update!

2006-07-07T12:17:00.000+08:00

Just a little update, udachuinvest has netted a 13% profit for month of June, 2 months of trading with double digits! Looks solid for the long run. For those who are interested to find out click on 'Lazyman's programs' under' program reviews' on the left sidebar.

Total compounded profit is about 25% for the 2 months I would say this is looking very gd. However, minimum is $100 to get into program but if you are looking for stable returns this has to be it. Udachuinvest is just part of the existing Udachufund which is still doing well...

Good day to all!

Alpsfinance

2006-07-06T22:20:00.000+08:00

Well, I found this program to be promoted widely, just thought it would be great to put it down here. I am in with one or two cycle. If anyone's interested in joining in, look for the link to join below. As always, this is a high risk investment program (150% for 15 days), so play with caution. here's the overview of the program:

Question 1: Which e-currencies do you accept?
Answer: Only e-gold is accepted at Alps Finance Group.

Question 2: Do you provide live online support?
Answer: No. We do not provide live online support. However, you can reach us using the form provided in the Support page.

Question 3: Will the payment be made on the 15th day itself?
Answer: Yes. Payments will be made on the unit mature date and will be completed by the 16th latest. If your receipt indicates that your unit mature date is on 15th April, your e-gold payment will be credited no later than 16th.

Question 4: Does the 15 days include weekends?
Answer: The 15 days maturity refers to 15 calendar days including Mondays to Sundays.

Question 5: How many times do you make payment a day?
Answer: All payments due on the day itself will be cleared by the next day latest. If your plan matures on the 15th April, all payments will be completed by 16th April latest.

Question 6: What is the reward scheme for referrals?
Answer: A 5% commission of the referral's total investment will be paid to the referrer within 24 hours of deposit.

Question 7: Do you charge any extra fees?
Answer: No. All our administrative fees are already reflected in the profits return.

Question 8: What is my referral link?
Answer: Use the link http://www.alpsfinance.com/purchase.php?upline=xxxxxx where xxxxxx is your e-gold account number.

Question 9: If I need funds and would like to refund my units before my units mature, can I do so?
Answer: Yes. However, you will only receive a portion of your units price back and the entitled profits will be forfeited.

Below shows the payable amount should you decide to sell your shares back before it matures,

Day 1- 5 (inclusive of deposit date) -70% back
Day 6 - 10 - 80% back
Day 11 - 14 - 100% back
Day 15 - 150% back
* All refunds are calculated based on invested amount.

To sell back the units, please send us a copy of the receipt with all the relevant information here. Once the details are verified, we will credit your e-gold account with the refund within 24 hours.

Question 10: How do I change my e-gold account or e-mail address?
Answer: Please send us a print-screen or copy of your receipt through our support link with your new e-gold account or e-mail address. If your receipt matches, we will make the change immediately and send you a notification e-mail informing you of the change.

Question 11: I did not receive any reply from support. Why?
Answer: 'Technical or payment support' will be provided within 24 hours of request ticket. Other enquires will not be processed unless it is relevant.

If you have submitted an invalid e-mail address, our support department will not be able to return any reply. Also check that your e-mail spam filter did not block our e-mails.

Please submit a ticket again with another e-mail account if there is no reply from us within 24 hours. (Only apply to technical or payment support). Sorry for any inconvenience caused.

Question 12: At the end of the purchase, I did not receive any confirmation e-mail?

Answer: You will be shown a receipt of your transaction instead of a confirmation e-mail. The details of the receipt will be your passport to verify your identity should there be a need for it.

Question 13: Is it possible to receive referral commissions without investing myself?

Answer: Yes. It is possible to earn referral commissions without having to invest yourself. This is to reward the referrers for their promotion efforts.

The link to join is: http://www.alpsfinance.com/purchase.php?upline=2837790
Only e-gold is accepted

PSX update

2006-07-06T04:05:00.001+08:00

Dear Members,

We are currently sorting out the cards and ensuring that each card contains everything required from us by our depository bank. We shall send out emails to inform you of the tracking number of these cards.

We do not send emails to a member that has complete requirements such as valid IDs and Proof of Billing. If you have not received an email from us, this means that your application is being encoded and transmitted to the Bank to further process your card. The whole idea of marketing the cards worldwide is new to our depository bank, for this reason, we are doing our best to assist the bank on revising their terms not to require any further hard-copies and signed forms and fully implement the e-commerce law on the card application process.

We have already come this far and I ask everyone to be a little more patient. We are doing everything on our end to ensure that payouts would resume very soon.

Henry

What a wait... will see how things go probably be end of year when everything is sort out? Oh my... this sux...

PSX update

2006-07-06T04:05:00.000+08:00

New program(m8rich) - very promising!

2006-06-30T15:41:00.000+08:00

Just found out this program which is having it's prelaunch at the moment. For this program it is a forced matrix and a lot of spillovers. When you join under the link which I will provide at the end of this article you will need to pay your 8 sponsors. the beauty of this is that there is no way to get scammed because you will need to pay your sponsors manually and so your downlines will also pay your manually from the link you give them. Interestingly some of the fellow bloggers such as surfboard and dolphin at http://surfadsinc.com/blog/
and http://www.dolphinswink.com/
I think this program will be profitable if people jump in early and it is only $8 to join using egold. Once again, good luck to all readers and may you take advantage of this pre-launch!!! I will try to post some screenshots whenever possible. I have joined under the program owner of m8rich so most likely more spillovers and if you join under me, you could gain a lot from spillovers.

Here's the link to join(only $8 now pay $1 to 8 sponsors even though the website writes $2 don't worry just click!). This prelaunch promotion is only until July 5th after which new members will have to fork out $16 to pay for their sponsors. Get in while you can!! :)

http://www.m8rich.biz/index.php?ref=316

This is taken from the site:

What makes this system better than others?

Advanced security
We don't allow any information to be changed after the registration process for security reasons.

Zero Admin Fee
You only need to pay your sponsors. We don't cut your commissions like other sites do.

Long Term System
We will own this domain name for 2 rich years and have paid for hosting (and will upgrade for a long term as soon as possible). Our commitment to quality and assurance is of the up most importance. You will find out how great our support system really is as an active member.

Guaranted Earnings
All members will get their $38,347,920.00 by filling their forced matrix. How fast they get their $38,347,920.00 is dependent on how well they advertise their referral link as well as spillover.

Referrer's Spillover
When your referrer has 8 Level 1 referrals and someone signs up using his referral link, then this new member will be assigned under you.

Site's Spillover
When someone joined the program without any referral URL, he will be placed under an active member whose Level 1 referrals is less than 8.

Multiple Accounts
All members can create as many accounts as they like using the same e-gold account. The system just requires different usernames and e-mail addresses.

Communication Between Members
All the members can communicate with their downlines through e-mail and insite messages, as well as downlines can contact their uplines too. Communication is VITAL within a TEAM.

Too many People are spending $100 to $1000 in HYIP's
Only to risk it for 150 - 300% returns assuming they will get paid, that will not happen in m8rich."

22usd and Successbuilderclub

2006-06-29T16:03:00.000+08:00

I have a reader asking me about successbuilderclub. Anyway, most information would be available to you once you sign up under this link:
http://www.successbuilderclub.com/feedermatrixprogram.php?username=caventou

It is only $2.50(using egold) to join and you should try to get more direct referrals yourself but if you can't don't worry it seems like the admin of successbuilderclub has a lot of referrals for you. I have some problem with my signup link which I have no idea yet:

"Because of the 22USD Club success we will be upgrading to a top of the line server on Sunday June 25, 2006 at around 4am GMT.
There will be no downtime but the JOIN page or the registration will not be available until the domain is pointing to the new server, this will be in a few minutes or few hours depending on your location and country.
You may Press the F5 key or click the Refresh button to reload the page to see if the registration is showing and pointing to the new server."

Anyway, I hope my readers would benefit from this program as it is not micky mouse(rubbish) rather it tries to help us achieve some income online and they have more incomes coming from other programs. The admin is very responsive from what I have learnt.

I also got paid from the admin of successbuilderclub to join 22usd. Here's the payment proof(click to enlarge):

Here's the email on the upcoming changes in successbuilderclub:

I.Feeder Matrix Program

1. How 22usd Feeder Works

2. How to Make Use Our Feeder Program Effectively

II.10by5 – Change of Plan

===========================================

I. Feeder Matrix Program

How 22usd Feeder Works:

If you joined our 22usd Feeder Matrix Program and You already Made a Request but have not received your 22usd yet, please take time to read first how our feeder program works:

http://www.successbuilderclub.com/feederdemo.htm

In order for SBC to grant one request, SBC will be needing 9 people who will invest $2.50. That means the rate by which I can grant your request is 1:9. In the feeder
table, showing 21 members who joined the feeder program, the total money collected will be:

21 members * $2.50 = $52.50

If I have $52.50, I can only grant the request of the first 2 members at the top of the feeder table, because $52.50 / 22 = 2. Therefore, after withdrawal was made, feeder fund left will be $52.50 – $44.00 ($22 x 2) = $8.5 which is not enough to sign-up one member. So therefore, if your withdrawal request has not been granted yet, that is because we are still awaiting new members to come-in with their $2.50. So I would like you to be patient and please don’t send me a request more than once because I can only give what I have received.

How to Make Use Our Feeder Program Effectively

I prepared this one to show you how you can make use of our Feeder Program Effectively. So this is not only for those who haven’t joined 22usd yet but also those who already did.

http://www.successbuilderclub.com/22usdcover.htm

So after reading it, decide for yourself the best strategy you can use and something you can afford.

II. 10by5 – Change of Plan

After careful study of 10byplan compensation plan, we have decided to start in Phase 1 and not in Phase 2. The feeder that I set-up using the SFIPay will be changed to E-gold but we will start with $20.00 and not $5.00. All those who joined the SFIPay feeder, your money will be returned to SFIPay also. The Feeder for the Second Program will be available in a couple of hours so please stand by,

SBC prepared this plan for you to study with a comparison of earnings between 22usd and 10by5.com. Be sure you understand first how 10by5 plan works. You can visit the site here: http://www.10by5.com

http://www.successbuilderclub.com/10by5s1.htm

I would like to remind you also that you cannot join the second program without joining the first. So if you want you can join 22usd for as low as $2.50 and join the second feeder.

Now, this is a special offer for all those who don’t have any 2 direct downlines in 22usd yet. SBC will pay your entry to the feeder of 10by5 program, a $20.00 value. But this would be one per every member cycled-out to Phase 2. The order would be from top to bottom of those who are on the link rotation except those who joined for only $2.50 and had a free entry to 22usd. For a limited time, SBC will also be giving-away free entry to the second program who will buy 4-heads in our feeder program who have not given 2 direct downlines also. SBC will be e-mailing everyone when it’s already your turn to join. If you don’t want to wait, you can also join 10by5 and you will have your $20.00 back. But this will be refunded also once there is one member who cycled out to Phase 2.

Please read this page carefully before joining to avoid misunderstanding: http://www.successbuilderclub.com/10by5s8.htm

This is only a limited offer so for $10.00, you can have 4 heads in 22usd and a possible free entry to the second program.

So before I begin deleting inactive members on July 15, you may decide now if you will ever get the same benefits somewhere that SBC is giving you.

I have many free referrals to give away. If you want to join 22usd, just send me an e-mail with subject “I’m Ready” and I will give you FREE REFERRALS to get you started.

PSX updates

2006-06-27T15:35:00.000+08:00

The 500 Batch

For those who are in the first batch of 500 Debit Cards. Henry has sorted them all out for dispatch. Those who are in the this batch will be notified by email by Henry that you are included. This will start today. Please keep an eye on your email and also look in your Bulk or Spam Folders.
The email addresses are the ones that are already on file with him.

The bank processed those 500 last week. The bank are working continually to get more accounts approved and the cards processed for them. Once they are ready, there will be another batch at some point this week.

Payment Requests.

Until the new script is complete and tested. There will be another stand alone script that will be used. The old Payment Request feature on the PSX site is not to be used any further.

This is what to expect when payments resume.....
It will show in your back office what is due to you. You will have an option to request payment to your bank account where it will then be available to withdraw via your DC.

All requests will generate a list that will be sent to the bank for funds to go into your own accounts.
You can request whenever you like, BUT the list will only go to the bank in their business hours Monday to Friday. This list will go daily and there will be a pre determined cut off point each day (time to be determined later).
The list will go electronically and the process should not be a slow one.

Theworldlaunch

2006-06-27T15:02:00.000+08:00

Hmm, from what I see and based on what my sponsor has said in his blog(js) http://www.9planetreviews.com/blog.shtml, I think I will forego this program and go for more lazy means to earn money on the net. I have funded my FF account which is still a private program and I haven't been able to fund it due to some reasons but happy to have funded it. My "program reviews" has some updates coming, am in the process of updating and including new programs if possible. Anyway, for those who are genuinely interested in earning money but the 'not so lazy' way here's theworldlaunch:

Have you seen the new website yet?

-----> http://www.readysetlaunch.com

We have launched!

We have fixed the bugs in the system
and everything is working perfectly now
and everyone can start enrolling into the
company.

Please review the above website and join
us on a live Q&A conference call where we
can answer all of your questions about the
company, launch, products, compensation,
etc.

Because of the launch delay today, we have
decided to extend the 24 hour roll-up feature
for everyone until Wednesday afternoon EST.

So now is the time to get a hold of everyone
that has enrolled onto your WorldLaunch
websites or else you could lose those people
when the roll-up happens on Wednesday.

For more info, please review:
http://www.readysetlaunch.com

We would like to welcome all of the new
Affiliates that have joined the company.
Congratulations and welcome to the family!

Three live conference calls this week -
three times a day!

Conference Call Details:

Tuesday, Wednesday, Thursday:

Call: 605-990-0200
Pin: 234474 #
Times: 3:30 PM EST, 7:30 PM EST, 10 PM EST.
http://www.timezoneconverter.com/

We'll see you on the calls!

Rob and Ken
TheWorldLaunch

Joined 22usd under Success Builder Club!

2006-06-23T14:02:00.000+08:00

I have yet to post on this actually I haven't got much ppl clicking the link to join successbuilder club which is only $2.50 to join! I don't know why but $2.50 is really so cheap...

So I joined successbuilderclub for a program and the admin of successbuilderclub gave me 2 referrals. Here's how successbuilderclub works which BENEFITS EVERYONE even without you doing the hard job of recruiting members to 22USD which is a program based on the matrix system where u can have as much downlines. I recommend joining 22USD through SUccessbuilderclub because you can easily get referrals without even doing anything and successbuiderclub is also involved in other programs as well.This way nobody loses, they are doing the hard job of recruiting referrals while you just need to join their programs. Anyway, I will post in the next few days the results. Stay tuned and 22usd is really a 1 time payment of 22US dollars for a 1 year membership. That's right and when you have many referrals (preferably joining the successbuilder club link on this blog easier...) you can earn back your 22usd easily and $$ will keep coming in. I have heard very good feedbacks from other bloggers and people whom I know so this program is definitely a go!

To join under me at Successbuilderclub, go to:
http://www.successbuilderclub.com/feedermatrixprogram.php?username=caventou

Remember I don't gain anything the matrix system cycles everyone so you definitely get a chance to earn $$ cheap and easy.
You can also join under me directly as I will have overspills because I joined the successbuilderclub. The link is
http://caventou.22usd.com/

If questions need be, contact me :p

Phishing egold email

2006-06-21T14:15:00.000+08:00

Account trouble

We are contacting you to remind you that on 06.20.06 our Account Review Team identified some unusual activity in your account. In accordance with e-gold´s User Agreement and to ensure that your account has not been compromised, access to your account was limited. Your account access will remain limited until this issue has been resolved please log in your account or click on the link bellow:

Click here to activate account.

---

Please do not reply to this automatically generated email message.

This is a phishing email i discovered today lucky it was in the junk email. Egold WILL NEVER ASK YOU TO LOGIN AND GIVE YOU THE LINK.

As such if you see this kind of email please ignored else your password may be stolen!!! This should not be new to egold users.

13daily pro updates

2006-06-20T16:26:00.000+08:00

Update June 2006

Dear Members

We would like to take this opportunity to welcome all new 13dailyPro
members.

A BIG WELCOME TO YOU ALL!

We felt it was time to send out an update on how things are going and
also a small cry from our support team regarding support emails…

Firstly we would like to tell you all that 13dailyPro is moving along
nicely and we are very happy with the developments of the program.
You will experience, step by step, the added features of the program
and we sincerely hope that you will enjoy them immensely.

The latest implementation is our new advertising products.

You will find the details page by following the link saying Advertising
on 13dailyPro directly underneath the log in fields on the homepage.

We have PTC and Rotation Banners available for purchase at very
competitive prices, all listed on the advertising page. Do check it out.

Our FAQ's page has recently been updated and most questions we receive
via the contact link on the homepage are already answered in the FAQ’s.
If you do not understand the FAQs section please take a trip to the MMG
forum, we have a lot of experienced members there who are very
helpful……Thank you to you all for your support there!

Please use the support ticket for account problems only and
emergencies. Answering your questions take a lot of time and it delays the whole
process of replying to members who really need the help. Not that all
your tickets are not important to us, but you can help us so we can
answer everyone a lot faster by finding the answers to your questions in the
FAQs or the Forums.

IF you are new to the surfing world please be advised that we have a
basic tutorial you can request by submitting a support email to
support@13dailypro.net
We will be adding to this tutorial as we go so that our members can
benefit from all the features of our AS program.

FAQ'S:
http://www.13dailypro.net/faq.php?show=terms

MMG FORUM:
moneymakergroup thread

Sincerely,

13dailyPro Team

143% is the profit you get after 11days. Not bad and everything
is going well indeed for this autosurf. Good for a few cycles if you are interested.

Compactsurfing update

2006-06-19T22:23:00.000+08:00

Dear Compact Surfing Members,

I hope you will read this update closely, and consider
all that I say here carefully, with the understanding
that the Compact Network will be implementing further
changes in the coming weeks, but we are here to stay
for the long term as I have promised from the
beginning.

As of today, Friday, June 16, 2006, Compact Surfing
upgrades will be disabled. Allow me to clarify our
reasons for doing this, and our plans for the coming
weeks ahead:

1. The price of gold per ounce, as all of you know,
has dropped significantly in the past several weeks.
Because of this, the Egold funds in reserves that I
had to maintain for the operation of CS diminished in
value tremendously on a daily/weekly basis. There has
been a 15 to 20% drop in the value of gold in the past
several weeks, from above $700 an ounce in May to
around $570 as I write this. What this means is
that
most upgrade values that were sent to CS and held
online in order to provide the old trademark “fast
payouts” dropped in $$$ value while waiting to be paid
out. This has been occurring for weeks now. We
persisted, believing there would be a turn around with
the gold markets, that things would average out, but
to date, this has not happened.

We’ve reevaluated the situation, and have decided now
to stop taking upgrades until such time as the gold
markets stabilize, we hope by mid-summer. We feel
this is best for both the company and our members
financially. Members have faced the same situation CS
has when their payments arrive to their accounts and
drop in value within hours…what took several days to
build in profits has sometimes been diminished within
hours, sitting in members Egold accounts. In
accordance with this decision, the ability to upgrade
to CS accounts will be disabled today.

For those
who do not understand why drastic drops in
Egold might affect the reserves of a program designed
like CS, here’s why. The 3 cashout requests per month
combined with the processing of requests every day of
the week, and 48 hour “fast payment” meant we had to
keep a majority of Network funds in reserve in Egold
rather than offline. 48 hours was not long enough to
move funds through exchangers online for payments or
offline for protection of capital, especially on
weekends when banks are closed. This is why, in our
last newsletter, we established the 7-business day
timeframe as being more realistic and manageable for
the future of CS, however, since that last update, we
have considered the situation further.

2. On June 9th, we processed nearly $500,000 USD in
cashout requests. I continued to use the remaining
funds left to pay as many requests as I could, and you can view a
screenshot of all
payments sent here:
http://compactsurfing.com/first1.PNG
http://compactsurfing.com/second2.PNG
http://compactsurfing.com/third3.PNG
3660 payments were sent the last 2 days and each single sent was paid.

Moving Forward: We are going to do refunds for
members with pending requests, put the program on hold
and relaunch in the summer, when hopefully the gold
markets have stabilized and by which time I will have had
time to implement Compactpay with features available and
debit cards. All funds in my possession
less operation costs will be used for refunds. In
the coming weeks, the support staff will assist me in
this work. Members in profit will not receive
refunds. Those members not in profit will be returned
a percentage of their initial upgrade purchase
dependant upon the total available for distribution.
Earnings and referral commissions will be
deducted
from your pendings in our calculations. Please be
advised that I am doing this despite the fact that our
terms have always stipulated that upgrade purchases
are non-refundable.

3. All Compactpay members with funds in CP, please rest
assured that your funds are secure. I will announce
next week the procedure for how returns of
whatever you funded into your Compactpay accounts will
be executed. After the funds have been removed from
the system, during the next few weeks, the database
for Compact Pay will be inaccessible to members as my
programmers and I work to implement features which I
have not had the chance to dedicate time to. Please
be patient and I will update further regarding this in
the coming weeks. For those members who have made
recent Bank Wire Fundings, I cannot address those
until next week when the bank is open so please be
patient with this as well.

With that said, the
following actions will be taken in the
coming weeks. The Compact Network will be relaunched at the
end of August/early September and I have decided for now
that the following three sites will be the focus of my
time and resources: Compact Surfing, Compact Lottery,
and Compact Pay

A. Compact Surfing

1. Expect a new layout and design to the site. The site
will offer 14% daily for 9 days on your upgrade
purchases tentatively. Upgrade units will be $10 USD
each and the maximum member balance with active
upgrades will be $10,000 USD. Payout Timeframe:
Upgrades will become pending in your Cashout History
automatically upon expiration. They will be processed
within 7 business days following date of expiration. No
more having to request cashout. This setup is
perfectly clear on when members will be paid. In
addition, I will know exactly what is needed ready in
my online payment processor accounts each week
to
process payouts. As such, I can store the majority of
funds offline accordingly so that we are no longer at
the mercy of gold price fluctuations.

2. Compact forum will still be in place; possibly
changed to vbulletin format as I have received
feedback requesting this from members.

3. More details to be announced when available.

B. Compact Lottery

1. Expect a new layout and design to the site

2. No more purchasing tickets from cash balance; you
will be able to purchase directly from Egold and
tentatively Compactpay as well. Winners will be paid
within 5 business days following announcement of
weekly lucky numbers.

3. Cash prizes will be greater in amount, though the
number of winners will be less than the past track record
to allow for ease of management in distributing payment of
prizes. The amounts for Weekly prizes will be announced on
the site as well. Distribution of rewards still to
be determined
by the administrator.

C. Compact Pay

1. I will work in the coming weeks to develop
relationships with exchangers to bring on board to
offer funding/withdrawal options for Compact Pay that they
will handle individually and efficiently.

3. I welcome any member suggestions with regards to
implementing debit cards. Compact Debit Cards are
still planned, but due to the current situation, and
recent comments made by members regarding their wishes
for certain cards, I have cancelled our previous order
for cards. For those of you who prefer Cardoneplus
over Virtual Money, and vice versa, please contact
Nvus with your reasoning and he will forward me
details and I will make a final decision in the coming
weeks: cn_nvus@yahoo.com

4. The Shopping
Cart Interface will be made available
and upgrades/cashouts through CS via CompactPay will be
available as well to coincide with relaunch of CS.

Expect further announcements from me in the coming
days. The Compact Network is here to stay and we are
not going anywhere, I assure you all. After 3 months
of hard work and dedication I will not give up and I
ask that you do not give up on me now either. We have
faced obstacles beyond our control in the past several
weeks, but the above plan of action will allow us to
return, stronger than ever. Thank you all for your
continued support.

Sincerely Yours,

Luuk Hendriks
Altus Financial Services Inc.

Well, autosurf industry is cetainly not looking good at the moment, am satisfied with my longer term investments so far :p

Blog updates

2006-06-18T16:59:00.000+08:00

There's still much to do for this blog. I've added a Program reviews page which would show you readers how I am doing in these programs but that would be done on the end of every month. Have also added a gold price chart on the right-hand sidebar bottom which will tell you when the gold price is going up or down. Much of my investments are in egolds thus we need to pay attention to the fluctuations of gold.

Not much to say but compactsurfing has extended their payout days to 7 days.I do not know whether it would be a good move as this model is based on the old 12dailypro autosurf program. Time will tell... So far I think the safest investment seems to be under "Longer term investments for the chicken-hearted!" This programs are low risk because of the DD(due diligence) done on them. Thus, I strongly recommend you to invest in these programs and remember to diversify even though it seems safe. You will never know when the sky's falling apart.

That's it for the weekend update. Hope you people enjoy the world cup and if you are lucky you could win some $$$ from it just like me lol...

Lazyman's Portfolio

2006-06-18T16:46:00.000+08:00

Withdraw principal asap: It means when you actually earn 100%(can be adjusted according to your needs just my guide here) to cover your principal amount after which you withdraw immediately.

Updated: Mar 10 2007

Name of Program: Advantage Private
Url: http://www.advantageprv.com/
Email me for invitation. Press the contact me button on main!
Date joined: 30th Sep 2006
Min investment: $100
Max investment: $10,000
Referral Commision(s): no
Compounding: no
ROI: varies should be around 10%/month
Fee(s): 0%
Risk Level: High
Payment method: Egold
Payout method: Egold
Lock in period: principal held until withdraw request
Withdrawal date: 1st - 5th of every month
Program status: Just started
Profit/loss: 7% for October
Strategy recommended: No need to do anything because interest will be paid and no compounding...
Remarks: I am actually testing this program out with a min spend of $100 and Takii is a reputable moderator over at Talkgold (forex section). Currently, DD is being done. Will post when I have more information.

Name of Program: Silver Gate Forex Hedging
Date joined: 14th August 2006

Min investment: n/a
Min reinvestment: $100
Max investment: n/a
Referral Commision(s): 5% on first investment only
Compounding: yes
ROI: variable
Fee(s):
Risk Level: low-medium
Payment method: egold, d-carat, Balance, Bluebanking card
Payout method: egold, d-carat, Bluebanking card
Lock in period: 90 days
Withdrawal date: after 90 days
Reinvestment: $100 at least
Program status: paying
Profit/loss: +129.2% (+referrals)
Strategy recommended: withdraw principal asap
Remarks: Gone private looks good to me!

Name of Program: NSFG
Nature: Closed to public except the managed account
Date joined: 25th March 2006
Min investment: USD$100
Max investment: None
Referral Commision(s):None
Compounding:Yes
ROI:Varies b/n 0% to 30% roughly
Fee(s):None except 25% gross profit deducted (commissions for the traders)
Risk Level:Low
Payment method:Egold or Bank Wire
Payout method:Via Email
Lock in period:Can withdraw anytime
Withdrawal date:15th of the month. Withdrawal requests received on/before this date will be processed on 25th of the month.
Program status:Paying
Profit/loss: -70%
Strategy recommended:Withdraw principal asap and withdraw whenever you want after that.
Remarks:This program has high transparency and has a private forum only for members.The public cannot join in this program now but can do so via Feederfund.This is a REAL investment in forex trading managed by two individuals with clean record. However, recently in light of the pool account money being seized by danish authorities, a lot of members have requested refunds and they obliged, so at least they are honest. I am still in with $30 at NSFG. I see no value in taking out the money.

Name of Program:FX-Experts
Url to join: http://www.fx-experts.com/?ref=caventou
Nature: Public and involves forex trading.
Date joined:1st April 2006
Min investment:$100
Max investment:Nil
Referral Commision(s):5%
Compounding:0% to 100% available options.(weekly)
ROI:Varies (0.2% to 2% daily from mon-fri)
Fee(s):10% for withdrawal
Risk Level:Low
Payment method:Egold
Payout method:Auto-payout for interest payments but request needed for direct withdrawal
Lock in period:N/A
Withdrawal date:Anytime
Program status:On hold due to trading loss! Waiting for refund.
Profit/loss:+213%
Strategy recommended:Withdraw principal asap and withdraw whenever you want after that.
Remarks:This is a real investment so the only risk is loss from trading.So far all positive results. Looking very good.Good transparency and DD done by Jude from Nobshyip and Rabbit who is well respected in the hyip arena. These 2 guys I definitely would trust.(Trading loss so we are all waiting for trading to recover and refunds...)

Name of Program: UdachuInvest
Nature: private
Date joined: 15th April 2006
Min investment:$100
Max investment:no
Referral Commision(s):5% from first investment
Compounding option: yes
ROI: estimated 20% or less per month.
Fee(s):5% to egold(instant), 2.5% to d-carat(instant), To BlueBanking Card (48-72 Hours - 2.5% + $5 Fee)
Risk Level: Low-medium
Payment method:egold, d-carat, Bluebanking debit card, balance
Payout method:egold, d-carat, Bluebanking debit card
Lock in period:There is a 90 day hold on all deposits including compounded interest.Once the 90 day hold is lifted you can either withdraw the total amount or leave the amount invested to continue earning interest.
Withdrawal date:withdraws under $5000 will take 24 to 72 hrs. A withdraw over $5000 will take up to 14 days
Program status: Paying
Profit/loss:+78% (100% compounded)
Strategy recommended: Withdraw principal asap and withdraw whenever you want after that. Udachuinvest has to do with Udachufund which is a successful online investment. This looks very promising with good profit in the long run since you can compound!!!Now they have gone private, giving me more confidence! They say they have reached a stage where it is quite stable already without the need for more new members!
Remarks:Check out Van Bassidor's interview with Rod Ceo of Udachu companies at his blog which is Investment Trust under Blogroll.

Name of Program: Feederfund (PSHI)
Nature: Private but may open to public again
Date joined:25th June 2006
Min investment: $50
Max investment: N/A
Referral Commision(s): N/A as no more new members accepted
Compounding: Yes
ROI:12.5% or more...
Fee(s):25% profit given to FF
Risk Level:Low
Payment method:Egold
Payout method:Egold
Lock in period:N/A
Withdrawal date:Request anytime but may take 30-60 days to receive
Program status:Paying
Profit/loss: +26.335%
Strategy recommended:Withdraw principal asap and withdraw whenever you want after that.
Remarks:FF has been around since 2003 and going strong although there may be downtime in website but may open doors to new investors next time! Check here for invitation link when door is opened!

Name of Program: FeederFund(Joyfund)
Date joined: 23rd July 2006
Min investment: $50
Max investment: N/A
Referral Commision(s): N/A as no more new members accepted
Compounding:Yes
ROI: 28% average
Fee(s): 25% profit given to FF, 34% profit given to Joyfund
Risk Level: Low
Payment method: E-gold
Payout method: E-gold
Lock in period: N/A
Withdrawal date: Request anytime but may take up to 30 days to receive
Program status: Paying
Profit/loss: +3.04% (Formula = 0.495 x % profit shown on Joyfund's forum)
Strategy recommended: Withdraw principal asap and withdraw whenever you want after that.
Remarks: High percentage monthly profits but do not expect too much since quite a lot of profits are taken up by pool programs. Only 34% profits are taken away if you join direct but $5000 to join directly as the units keep rising. Now cost 10 units to join. 1 unit cost close to $500 now...

Name of Program: PP01
Date joined:27th June
Min investment:$100
Max investment:N/A
Referral Commision(s):N/A
Compounding:yes
ROI:variable
Fee(s):N/A
Risk Level:Low
Payment method:N/A
Payout method:N/A
Lock in period:N/A
Withdrawal date:N/A
Program status:N/A
Profit/loss:+ 56.25%
Strategy recommended:Withdraw principal asap and withdraw whenever you want after that.
Remarks: This is a private club I do not want to reveal too much and closed on July31st 2006! May be opened again..

Name of Program: Global Pension Plan
URL to join: http://www.globalpensionplan.net/?id=caventou
Date joined: 25th May 2006
Min investment: 30 EUROS
Max investment: 30 EUROS
Referral Commision(s): $2000 per person
Compounding: N/A
ROI: $55,000 given back when 100,000 members reached
Fee(s): N/A
Risk Level: low as only pay 30 euros once
Payment method: E-gold
Payout method: Debit card because the $$ involved is too huge!
Withdrawal date: When 100,000 members reached will pay within 2 months!
Strategy recommended: just put in 30 EUROS...
Remarks: This opportunity seems 'hard to believe'. I have seen it somewhere in forums that there are other programs like this but it took almost 4 years to gather so many people. For 30 EUROS, I think it is a bargain and if it is scam, you only lose 30 EUROS. IMHO, this is not a chance to be missed if you don't mind losing only 30 EUROS. I will try to post links to this program that may interest you later... (Join early to add to the 100,000 members :))

Related links(more to be added):

http://surfhostserver.blogspot.com/2006/09/global-pension-plan-mlm.html#links
http://www.rolclub.com/general-program-talk/8410-global-pension-plan.html

Extracted from site:

Faq-Answers

Q: Can I have more than one pension insurance through the Global Pension Plan?

A: No, You can't.

Q: What is the minimum and maximum age of a member to sign up and qualify for the $55,000 Compensation?

A: The maximum age to qualify for the Compensation is 66 years. You would need to be 66 or younger at the moment the documents are signed, i.e. after we have reached 100,000 members. There is no minimum age to sign up.

Q: Can I still sign up although I am older than 66 years?

A: Yes you can, but you don't qualify for the $55,000 Compensation. But instead you may use our Loyalty Program to generate some additional income if you wish.

Q: How many pension insurance policies are issued altogether?

A: Only 100,000 policies will be issued for the qualified members, i.e. those who are under 67 years old at the moment the documents are signed. Once reached, no more policies will be issued under this program. We have decided to limit the quantity of policies issued to make sure the program completes as fast as possible.

The sooner we reach the 100,000 members mark and are able to close the program, the higher the probability that we will succeed. We want to keep as low profile as possible, not to attract too much publicity and most certainly not to disturb any national bureaucrats with our program.

Q: Do I need an email address to sign up?

A: Yes you do. But you may use the same email address as your sponsor if you don't have your own one.

Q: What payment methods are accepted?

A: We accept membership fee via e-gold only. More payment methods will be added soon!

Q: Can I sign up multiple members using my own e-gold account?

A: Yes you can!

Q: Can I sign up my whole family and refer them by myself?

A: Yes you can!

Q: What is the "$1M For Children" Charity Plan?

A: It is our passionate project to help children of developing countries through our program. The basic idea is to deduct just $10 from the Compensation of each member, which then equals $1M. Each member is, however, free to donate as much into the charity as he/she wants to, there are no limits. The plan will be carried out with an experienced partner to make the funds last as long as possible.

Q. Can I resell my membership?

A: No you can't. A member found selling the membership will be removed from the program immediately without any Compensation and right to re-join.

Q. Can I pledge my membership?

A: No you can't. A member found pledging the membership will be removed from the program immediately without any Compensation and right to re-join.

Q. What is the Membership Bonus?

A: It's an extensive package of high-quality ebooks worth hundreds of dollars. The subjects differ from A to Z and the content is occasionally completed. The main stress of the subjects is on income generation, but there are lots of other subjects covered as well.

Q: Why do you obtain my personal information?

A: Global Pension Plan uses your personal information to provide you with the superior opportunity you expect from us. We may use this information to develop, offer, and deliver further products and services; process transactions in your account; respond to inquiries from you or your representative or to fulfill legal and regulatory requirements inside the program.

Q: Do I have to request my information to be kept private?

A: No, you don't have to contact us to benefit from Global Pension Plan's privacy protections. They apply automatically to all of our members.

Q: How do you protect my information?

A: Global Pension Plan considers the protection of sensitive information to be a foundation of customer trust and a sound business practice. We employ extensive physical, electronic and procedural controls in keeping with industry standards and practices, and we regularly adapt these controls to respond to changing requirements and advances in technology.

Global Pension Plan will never share your information with any third parties asking, except the ones involved in the program (bank, insurance company, Trust Partner).

Q: Will You sell my personal information?

A: Absolutely not. The Global Pension Plan will not reveal nor sell any information about you to third parties.

Q: Is it possible that my application is rejected?

A: Generally, no. Only if you provide false identification information of yourself, there is a slight possibility the insurance company may decide to reject your application.

The insurance company has worked together with our Trust Partner to be able to generate a special insurance policy for our needs. When applying, there won't be questions asked concerning your health conditions or history, living habits, work conditions, hobbies, etc.

Q: Do I have to provide a copy of an identification document of any kind?

A: Yes you do. But not before we have reached our target and 100,000 members have signed up. Until we have reached that point we are not able to proceed any further nor do we need the copy of Your ID. But once reached, all the members are asked to provide the insurance company a copy of a government issued ID like passport, driving license, birth certificate etc. indicating the very same details as used when signed up with us.

Q: How can I withdraw the Compensation and the Loyalty Program Rewards?

A: The membership fee of 30 EUR includes a banking solution.

Q: Are there any other ways to settle the funds than the above mentioned banking solution?

A: You won't need any other way than the one included in the membership.

Q: Do You withhold taxes from my Compensation and Loyalty Program Rewards?

A: No we don't. We don't want to get involved into the taxation matters of our members at all. It's on your authority to keep your records straight.

Q: Who do I contact with possible problems or questions regarding my membership?

A: Please go to our Contact Page and fill out the support form with specifics and a brief report of your problem. You may also send your questions to the Member Forum if you wish. We do not have a telephone call center as we conduct all our communication via e-mail only.

Q: Do you pay for referring others to this program?

A: Yes, we do. To show our appreciation to your loyal efforts and support, for any approved member that you bring into the Global Pension Plan, you'll receive a flat-rate of $2000 . Also, from each new member joining your downline down to 12th level, either brought into the Global Pension Plan by you or by someone else in your downline, earns You the same $2000 . We call this the Loyalty Program.

Q: How many new members can I bring into the Global Pension Plan myself?

A: You may bring as many new members are you wish! There can be an unlimited amount of members in your first level in the Loyalty Program. We don't want to limit your enthusiasm and will to work for yourself and the program!

The only limitation is that you will earn Loyalty Program Rewards down to 12th level.

Q: How do I register for the Member Forum?

A: You are automatically registered for the Forum when you sign up!

Q: Can I share my Member Forum access codes with non-members?

A: Absolutely not! The Member Forum is solely for the members of Global Pension Plan. A member found granting access to non-members will lose the Member Forum access.

Q: Can I cancel my GPP membership and expect refund?

A: Yes, you can cancel the membership but we are not going to refund your membership fee.

Q: Can I request to be placed in a different downline?

A: Generally no, you can't. However, if you are in an incorrect downline, we will transfer you into the correct one.

Q: What kind of advertisements can be used?

A: You may use all kind of advertisements but please note that any SPAM is strictly forbidden. We strongly discourage from inviting any people via email you do not know already to sign up with Global Pension Plan, as this can be taken as SPAM. A member found spamming is removed from the program immediately without further notice or Compensation and the permission to re-enter the program.

Q: Are all the members treated equally?.

A: Yes, absolutely. When you sign up, the insurance company will immediately get your information and are able to prepare your application to prevent a huge back log compared to a strategy where the applications are not handled until we would have reached 100,000 members. Although this indicates ”first come, first served” operational model, the Compensations and Loyalty Program Rewards are not paid until the application of the very last member, the 100,000th, has been handled and approved. When the payout happens, there will be a delay of only 20 minutes between the first and last payout. So, practically every member is paid simultaneously and is able to start using the funds via the anonymous debit card.

Q: When can I expect to receive the Compensation and the Loyalty Program Rewards?

A: The exact date is impossible to reveal because it all depends on the time taken to get 100,000 members to sign up for the Global Pension Plan. Once the target is achieved, the payout is very close indeed.

After the closure there will be a processing time of about 6 weeks before the payouts take place.

Q: What is e-currency and e-gold?

A: E-currency is an electronic, world wide currency for the world wide web. It is the future for online transactions and business.

E-gold is an online payment system that combines money, gold and other precious metals with Internet based technology to provide a safe, easy and inexpensive way for anyone to transact business 24 hours a day.

The e-currency we use is e-gold, which is the oldest and the biggest available. As we value stability, reliability and fast service, we use the best.

Q: With the nature of today's financial world, how is Global Pension Plan able to stay clear of the securities and exchange commissions or similar government intrusions worldwide?

A: We are based offshore and online, far away from each and every Big Brother country in the world. We are privacy-minded people and think that nobody should be forced to lose his or her personal privacy for any reason. The securities and exchange commissions, or any other Big Brother government agencies have no jurisdiction whatsoever over our business practices. Furthermore our site and servers are also located outside the USA, EU, Australia, New Zealand etc. and our banking is done in top of the line offshore banking location. Global Pension Plan has taken steps to insure that our business, and our members' financial future is both safe and secure without the risk to be spoiled by way too jealous governmental bodies.

We also keep as low profile as possible. We don't advertise in newspapers or on TV, we keep our voice down and let the members discreetly market the opportunity to their existing business partners, family members, friends etc. All the advertising done by ourselves is targeted to people already aware of offshore investments and opportunities.

Q: What do you benefit from running this program?

A: Our Trust Partner will pay us a one-time, reasonable Compensation. But it will happen only if and when we succeed to carry out this program as anticipated. If we don't meet the criteria and agreement, we will not receive a single Dollar. So please understand it's our top priority and interest to make everything work as perfectly as possible to make this rewarding program succeed.

Q: Why does the Trust Partner want to do this business? What is the whole point of it?

A: Our partner is a wealthy offshore trust with long-term objectives. As the anticipated average age of the program members is 34 years, it takes about the same time before the pension insurance policies matures and the benefit of $200,000 is paid to the Trust Partner.

Q: Why don't You reveal the name of the insurance company you cooperate with or the name of the Trust Partner.

A: Because we want to succeed in this business, we need to protect the privacy of all or our partners. This may sound confusing and shady, but please try to take another perspective. If we reveal the name of the insurance company, what would most possibly happen? Hundreds, thousands or even tens of thousands of people would call them to verify the information. That would most probably lead to a huge work load, frustration and delays in the office of the insurance company.

So please let us act as your middle-man taking care of all the contacts and making the program succeed! That's our duty and that's what we are prepared to do.

As we don't identify our partners publicly, we neither identify our members!

Q: What should I tell people if they say: "It is too good to be true"?

A: As mentioned earlier, this program is more or less once in a lifetime opportunity. Any interested party should do their own due diligence prior to making a decision for participation. At Global Pension Plan, the prospective members are either familiar with this type of program or have received materials and briefing through an existing member, their sponsor. A question probably rises: “Why should anyone spend the time and effort to promote a bona-fide program that doesn't earn profits during the progress?” The answer is easily found from the difference between the wealthy class and the working class, which is that the wealthy class knows how to make their money work for them even during their sleep, while the working class uses their money to spend on what the wealthy class wants them to spend it on. The way the wealthy class manage to maintain and improve their level of wealth is by providing only limited opportunities for the working class, while keeping the privilege opportunities for themselves. This is what you have heard as "The rich getting richer".

CLOSED/SCAMS(based on my portfolio here):

PPF (closed and refunded me)
Rog's Offer (scammed)

Pointsharextreme update: debit card application

2006-06-16T17:25:00.000+08:00

OK everyone,
It seams as though Henry jumped the gun on me... LOL

The bank application forms are available to download from the PSX site.

Fill them in as the samples........
http://www.getphpbb.com/phpbb/viewtopic.php?t=3408&mforum=psg

Please remember that it is important to sign pages 2 and 3 of the CIR doc 4 times as indicated.

DO NOT worry about the areas that have been left blank in the samples. You can leave them blank, strike through or simply put N/A

When you send them back in the provided email, you must provide the required ID also.

Okay good luck to all those who are still with PSX, looks like they are still moving forward. Quite optimistic but my guess is this will still take a few months more to be stable after that if payout is great good for us!

Theworldlaunch urgent update !!

2006-06-15T13:16:00.000+08:00

Please join us on a live conference
call tonight to learn more about this
incredible business!

Call details:

When: Tonight
Time: 9:00 PM EST (New York Time Zone)
Call: 212-990-8000
Pin: 5788 #

See you there!

Rob and Ken
The World Launch

PS... You can access a recording of the
call by logging into your back office and
scrolling down on the home page.

PPS.... At the end of the call, we will
go over the details about the EARLY
launch happening the end of next
week. Don't miss this call!

Okay, I must stress again this program is FREE TO JOIN and you can be an affiliate and have many downlines just as I have . Please promote this program fast as they are launching end of next week. After that, no more affiliates would be entertained. If you want to miss out on this, so be it I don't care really because I have enough downlines!

The link to join is here:
http://theworldlaunch.com/lazyman84

The worldlaunch update

2006-06-14T12:28:00.000+08:00

Important Update for International Members

The opportunity to become a "Webmaster Affiliate" for the company we are associated with and to retail the products to individuals and businesses is global. There will be no cost to join the Webmaster Affiliate program in late June.

As a Webmaster Affiliate, you can earn commissions from retailing the products when the company launches the new products in late June. Note: As a Webmaster Affiliate, you cannot enroll people into the business opportunity.

VERY IMPORTANT: As far as the business opportunity to enroll paid Affiliates into this business while you build an organization, that is only available in the following countries: USA, Canada, UK, Mexico, Australia, and New Zealand.

The company will be expanding the business opportunity to enroll paid Affiliates for the business opportunity in more countries over the next several months. Recap: If you live outside of the countries listed above, when the company launches the Webmaster Affiliate program in June, you will be able to enroll and bring on customers to earn commissions. You will not be able to enroll people into the business opportunity until we launch the business opportunity into your country. We do not have dates as to when and where we will be launching.

If you live in the above countries, you will be able to join as a paid Affiliate. Doing so will allow you both the opportunity to retail the products and earn commissions as other paid Affiliates join your organization.

This website, and all related parties are not held liable for any miscommunication throughout organizations.

Thank you!
Support

Okay this opportunity is mainly for USA, Canada, UK, Mexico, Australia, and New Zealand citizens now but don't worry if your country is not listed get in there while the iron is hot. Don't regret later. I know how much an affiliate can earn The answer is it is unlimited! If anyone needs some help promoting this program do contact me!

Compactsurfing update

2006-06-14T12:24:00.000+08:00

Basically this email is to inform CS members to update their password and their change to 7 day payout just like 12daily pro!!! I think this is a good move as security issues would not be compromised and things would be more smooth. If there are more new members streaming in this could be the next 12 daily pro!

Dear Compact Surfing Members,

This is an important update on the status of Compact Surfing. It
clarifies what the future holds for the Compact Network, and how I plan to
ensure that what we have built with our members in the past 3 months
continues to grow and prosper.

I will be honest with all of you, recent events have given us cause for
concern, and the steps we have taken this past week, and are about to
take, are to ensure our security remains one of the best in the industry
for both our Network, and for you our members.

For three months Compact Surfing, as all of you know, paid usually
within 48 hours of cashout request. However, when payouts were processed so
quickly, many members who attempted to contact support and have cashout
requests stopped to egold accounts that were hacked were unable to do
so in time, and as a result, their requests were paid out to hackers who
ran off with their funds.

This has been a very serious issue for many members. I have had at
least 10 support tickets sent every day for over a month relating to such
hackings. The amount of member money lost to hackers is now in the
tens of thousands of dollars, and it must be stopped. I did not create
this program to feed the hackers. This business and program was created
for the benefit of the members who have supported us and handed over
their trust to us.

Then, several days ago, we had an even more serious issue to address.
During our scheduled work on Compactpay, a situation arose that
required our immediate attention. We had a hacker access the database through
a vulnerability, and though he got no valuable information, and did not
infiltrate anyone's money accounts, we dropped all else we were doing,
and set about encrypting our database, among other things. You can
view the email message that the hacker sent here: (POST IMAGE SCREENSHOT
OF WHAT THE HACKER WROTE TO YOU, BLOCK OUT HIS EGOLD # SO HE DOES NOT
GET ANGRY BUT YOU HAVE TO POST THE IMAGE TO SHOW YOUR PROOF ABOUT THIS)

In light of all the events above, I have now decided that CN will be
implementing new additional security measures regarding hackings, and
revamping our payment system accordingly to fit these measures. There
will be a required step that all members must take before we continue on
with our payouts. The changes we are implementing will allow members
the needed to time to make their hacking reports, and will allow staff
the needed time to stop payments to hackers, even during our busier
times. The following are the changes that will be made, effective as of
today:

1. As additional security, we ask that all members
update their passwords on the Compactsurfing site at this time with a
unique password you have never used anywhere on the internet before. You
can do this by clicking on “Edit Account Details” after you log into
your CS account. Then scroll down to where it says “Password Change.”
Type in your current password in the field that says: “Your Password.”
Then type in your “New Password” and “Confirm New Password” and click on
“Save.” This is to ensure that if any of you have the same password with
CS that you are using with other sites, or have used in sites you’ve
been with in the past, that hackers do not have easy access to this
information.

2. Official Payment Time Frame: Members may still
hold multiple upgrades to a total of $10,000 USD. Members may still make
3 cashout requests per month. However, from here on forward, Compact
Surfing will now make payments in 7 BUSINESS days following the date of
your cashout request. That means you will no longer count Saturdays
and Sundays as work days for the CS Payment Department, and you will be
paid on the 7th business day after you make a request.

To clarify, if you make a payout request on a Monday, what day do you
expect payment? Count: Tuesday, Wednesday, Thursday, Friday, Monday,
Tuesday, Wednesday…. Monday of the next week is the day you are to
expect payment. This new payment system applies to all current pending
payments, and to all those in the future.

This will be the same time frame as 12dailypro established,
for those of you who are familiar with that program. It will end all
discussion of what day you are paid. It will allow my support staff
and you, the members, ample time to contact us in the event that your
payment processor account is hacked so that we can put your cashout
requests on hold and prevent your funds from being paid to hackers.
(To date, tens of thousands of dollars have been paid out to hackers,
despite our efforts to prevent this, and we feel, changing our
payment strategy will result in more profits for all involved.)

I will allow until this Friday, June 16th for members to
change their account passwords and to review their account information
in their back office for any other changes they may wish to make. I
will then begin processing payments: all pending cashout requests made on
the 6th and 7th of June will be paid next Monday. This will be in line
with the new payment terms since, though I was ill last week for 2
days, I processed payments over the past weekend. Requests made on the
8th of June will be processed by the end of the day, this Monday, June
19th, and we will go from there.

Please go now and update your passwords and review your accounts. I
will follow up with further updates during the week regarding the status
of Compact Surfing and the rest of the Network sites,

Sincerely yours,

Luuk, Olivia, Nicholas and Staff
Altus Financial Services Inc.

Pointsharextreme update for members

2006-06-13T16:46:00.000+08:00

We will be starting the Debit Card Applications very soon.

Everyone NEEDS to get their ID documentation ready.

You HAVE to print out the PDF files when they are available. You then fill them in.
Then you can scan them or take a good digital photo of them so that they are in your PC and ready when required.

You will HAVE to send them to us. Henry has to authorize each one before he passes them to the bank.

If you cannot scan them, ask a friend or relative that can. You can also use some of the larger stationary stores or public print shops or libraries in some places. They can be saved to disk and put on your own PC.

They are best saved as JPG files as they compress the files the smallest and are easier to send in an email.

I don't know if there will be a fax available, but email definitely will be.
Faxes of your ID docs will not turn out very well, so we believe that the email option will be the best.

Please start to prepare your documents in advance. The PDF files will be easy to do when they are available.

You know this is one of the most frustrating program I joined... lots of problems and no payouts since april. But things seem to be moving though... Can't guarantee anything but they are working on debit cards. Please hold for all non-members.

12 Things That Can Make or Break a Paid to Surf Program

2006-06-13T10:19:00.000+08:00

I thought it would be important for readers to know about surfing websites for money. Normally, egold is used for surfing websites. I think the best strategy to use would be to dump a large sum of money quickly into a good autosurf/manual surf website and play with profits but given that the surf program has proven to be honest and is well setup such as with DDOS protected servers so that you can be sure that the experience is smooth and with minor glitches. As such, I do recommend compactsurfing at the moment as they could well turn out to be the next 12dailypro which lasted for quite a while. The egold exchangers are listed to the left sidebar where you can use your credit cards or debit cards to exchange for egold at egold website.The link to join is:
Compactsurfing

Here's a vital article thanks to Autosurfcentral:

The Admin - Business experience, technical capability, honesty, personality, and history in the paid-to-surf/hyip arena are all important factors that will impact a program.

The Biz Plan - This can vary widely. A program that relies little or not at all upon new ad pack purchases can worry less about popularity in the forums and at the monitors. The more solid income streams a program has coming in the better.

A program that relies heavily upon new ad pack purchases has to have a huge presence in the forums and positive feedback from the top monitors.

A sound marketing plan has to be in place to get the program off the ground. The program should strive to turn heads right out of the gate.

The percentage offered and length of upgrade do matter especially if there is a reliance upon new ad pack purchases to make the next round of payouts. In other words the program must have an attractive(yet reasonable) offer in place to be competitive. Lower percentage programs have a tougher time attracting new customers, but that can be offset by an excellent marketing plan or by the track record of the admin(s).

A substantial reserve fund or contingency plan should always be waiting in the wings just in case finances take a turn for the worse.

Site Design - Should be attractive and provide precise information about how the program is run. Information about the admin(s) should be provided. Programs with sloppy or non-creative designs stand a lesser chance of attracting new customers(and if there is a reliance upon new ad pack purchases to make payouts, then trouble will strike sooner rather than later).

Customer Service & Communication - Quick response to support tickets and clear, concise updates from the admin are critical to the success of a program.

Payouts - If an admin states that payouts will be done on a certain day, then they need to get it done on that day. Also if payouts are typically completed within 24 hours of request and that timeframe slips to 3 or 4 days, a red flag will go up in the minds of experienced surfers. An admin is better off promising payouts within a 5-7 day period and then completing those payouts towards the end of that range even at the beginning of the program. Surfers watch payout timing like hawks.

Popularity - This goes back to the biz plan. The more reliant upon new ad pack purchases, the more popular a program needs to be in the forums and at the monitors. Popularity helps any program, even the ones that have substantial supporting revenue.

Changing Program Variables - Again this goes back to the biz plan and also the marketing plan. Too many admins arrive on the paid-to-surf scene with guns blazing and an amazing plan to change the face of the business. 2-3 months later they are changing the variables because they offered too much too soon. That usually spells the beginning of the end for the program because support and enthusiasm wanes quickly when the admin doesn't hold up their end of the bargain.

Cheaters - Cheating attempts are still prevalent even though the likes of Paypal and Stormpay are no longer part of this business. Egold is the main processor used and does not allow chargebacks. But cheaters can still affect programs by signing up for multiple accounts under their own referral link. Any program that offers a start-up bonus could also be cheated by somebody signing up for multiple accounts. It's on the admin's shoulders to thwart cheaters.

Hackers - Proper security measures need to be in place prior to launching a program. The script needs to be scanned for loopholes. The database needs to be backed up frequently. This all falls on the admin's shoulders.

Script/Database Issues - Either the admin has to be the techinical guru or he/she needs to have people on call that can fix issues. The longer a site is down, the more nervous and cautious members get due to past experiences in this business.

DDOS Attacks - Denial of Service. Millions of hits per second on the server. These happen frequently to popular programs. There are a number of possibilities as to who launches such attacks. Could be somebody doing it for fun. Could be somebody bribing the admin for egold. Could be another paid-to-surf admin trying to take down the competition.

Personal Issues - Too many times we have heard a sad personal story from the admin of a program only to see the program close shop with all the money a few days later. I don't like to hear personal stories from any admin for the simple reason that we never know if it's true or not. If payouts are due on a certain day then they should be done on that day no matter what. Experienced surfers will throw a flag up whenever admin personal matters get in the way of payouts.

Talkmoneyonline - arbitrage service

2006-06-12T21:11:00.001+08:00

Hmm, well for those who do not know what is arbitrage it simply means taking advantage of price differences especially in sports betting so that you can take profit from the different odds by different bookmakers online. I have subscribed to the service of Talkmoneyonline and can say they do provide good arbs alert. Currently they send their arbs by email so members just need to check their email for the arbitrage available.

I recommend $500 minimum really if you want to take up this arbitrage business. It is very safe but you must be careful of certain criterias of bookmakers in tennis games and boxing(eg players retire) so that you do not make the wrong arbitrage bets. Profit is almost guaranteed but take note that this is not just some get rich scheme but you do earn. The more you put in the more you earn.
Here's the link to subscribe to Talkmoneyonline(arb alert service):
Talkmoneyonline

However, do read up a bit on this topic you can do a google on it and actually this is not something new...

Talkmoneyonline - arbitrage service

2006-06-12T21:11:00.000+08:00

Pointsharextreme update

2006-06-12T21:05:00.000+08:00

This is from :
http://www.getphpbb.com/phpbb/viewtopic.php?t=3632&mforum=psg

It is IMPORTANT that all members use the log in facility at the PSX site and make sure that your REAL name is in your profile (Manage Authenticated User Account) so that the members list that Henry will be forwarding to the bank will match up with your name that you submit in the Bank account application.

From what Henry is telling us. There are members that have just put their first name or just their initials. In some cases, there is NO name at all. Failure to do this will only slow down your DC and account applications.

Also please check that your correct email address is provided.

Please deal with this a soon as possible please.

http://www.pointsharextreme.com/index.php

Okay stay out of this program while it is sorted out for new members. Once I get paid it would be posted in this blog.

Theworldlaunch update!

2006-06-10T13:02:00.000+08:00

Included in this BIG update:

- We have some GREAT news!
- Mr. H's true story
- Conference Call Schedule

First, we'd like to welcome all of the new
World Launch members. Welcome aboard!

------- We have some GREAT news! ------

Over the last week, we have been tracking the
top support issues that have been coming in
and worked hard to add new enhancements to
your World Launch website.

Below are the newly added enhancements:

1. If you have any "Pending" members showing
in your back office, please contact them and
ask them for a new email address. Log into
your back office and pull up their contact
record. You'll see that you now have the
ability to change their email address and
then resend the welcome email! (This is
important because if someone is "Pending"
then their website is not activated.

2. The above issue will never be an issue
again because we've added a new enhancement
to the "thank you page" that people see
after they enroll onto your website. Once
someone fills out the form to join the World
Launch, they are taken to the new "Thank You
Page" where they are told to check their
email NOW to view the welcome email. If they
do not see it in their inbox, they can enter
in a new email address to send the welcome
email to. This will solve any enrollment
and "pending member" issues going forward!

3. Within the next 48 hours, you will be
able to access a recorded 30 minute
conference call that we hosted about this
business. Please log into your World Launch
back office to listen to the call. (You'll
find the audio in the news section near the
bottom of the home page of the Member's
Area. Remember, it will be there within
the next 24 hours.) On the call, you'll
learn about the company, products,
compensation plan, and much more!

There is a lot of new information that will
be shared with you over the next week, so
be on the lookout for it!

------- Mr. H's true story ---------

We've had a handful of emails come in asking
if this business is "for real". Well, yes.
This business is very real and it has
changed the lives of many people. One of
the many stories out there is the story
of Mr. H. that you see on the bottom of
the "Join Now" page on your World Launch
website.

Mr. H first learned about this business
and the first versions of the online video
products three years ago.

At the time, he was 24 years old, broke,
jobless, and about to lose his car and
apartment... again.

He had already been through more than
30 different jobs. He had looked at or
tried hundreds of businesses over a 6
year period that left him nothing to
show for it but a bank account in the
red.

When he learned about this business, he
knew he had to do something big. Very
big. He put together a pre-launch much
like this one (but with a VERY ugly website
and a system that barely worked). With
virtually no contacts, he was able to
get over 30,000 people enrolled onto his
website in about 30 days.

With no money to market, he posted on
forums, wrote articles, and wrote press
releases to post on the internet. He
spoke to everyone he knew and showed them
his website. He had a few people enroll
onto his site - but then the magic started
to happen.

Those people enrolled people, who enrolled
people, who enrolled people, and so on.

This went on hundreds of levels down.

He contacted everyone that he personally
enrolled via the phone and or email and
simply made a friend.

When it came to launch time, a percentage
of those 30,000 people joined the company
and he earned more in his first month in
the company than he had ever earned in an
entire year! He went full-time his first
month in the company and has been for more
than three years now.

He has no boss. He has no employees. He
sleeps in every day. He has no inventory
to stock, no products to ship, and has
a multi-million dollar internet business
that he works from home in his pajamas.

Wait a second... haven't you heard this
a million times by now?

Well, here's how this true story is
different.

You hear about these people who work from
home and how they are so successful in
their business, but they never really tell
you exactly HOW they did it.

Well, Mr. H. is spilling the beans.

In fact, he's showing and telling you
exactly how he did it. The World Launch
websites are modeled after the first
launch he hosted. Since then, he's hosted
five other launches generating multiple
millions of dollars in sales.

If you follow the system and don't try
to reinvent the wheel, you'll see some
success. As far as how much success
you will see is up to you.

Obviously you are here because of the
massive opportunity that is now in
front of all of us. The new online video
products will no doubt spread all around
the world and provide us with a truly
massive opportunity.

You are one of the very few that know
about these products.

You are one of the very few that know
about this opportunity.

You have the potential to earn a part-
time or even a full-time income in
the coming weeks, months, or years.

How fast everything happens is up to
you.

Now it's important for you to know that we
do not provide any income claims here (and
we never will). It's also important for
you to understand that this business
takes work. No, it's not hard work. It
really isn't. But you need to get your
website out to as many people as you can
every day to see success in this launch.

The more people you share your World
Launch website with, the more people that
will enroll. In turn, they will enroll
others and the process will repeat.

If you only have one person enrolled
onto your site come launch day, then it's
a pretty good indication that you didn't
spend much time sharing your website with
others.

If you have hundreds, then it's obvious
that you did put some time into this and
you will be rewarded VERY well for it
come launch day.

Now don't forget the most important part
of this business - even more important
than enrolling people onto your website.
And that's FOLLOW UP. Simply follow up
with everyone that enrolls onto your
website via the phone and/or email.
Make a friend. Share what you are doing
to build your pre-launch with them.

You see, you want everyone that enrolls
onto your website to become successful
because you will be earning commissions
from all of them.

So keep up the great work out there!
Several of you already have hundreds of
people in your pre-launch organization.
And there's even some of you that have
personally enrolled hundreds of people
on your own! Congratulations - you are
off to a GREAT start!

If you are brand new to this launch,
you still have a little time to get
your website out to as many people
as possible before the launch. Go
for it!

----- Conference Call Schedule -----

Every Monday through Thursday

Time: 9:00 PM EST (New York Time Zone)
Call: 212-990-8000
Pin: 5788

Invite your guests onto this call to
help you explode your organization!

See you on the calls!

The World Launch

Link to join can be found on the left side bar...