Thursday, April 22, 2010

PanaMoney Technologies, Inc

Today I joined PanaMoney investment program, I hope is not too late.

PanaMoney is more than 1 year old, this can be a good thing but it can be a bad thing also. GeniusFunds lasted for a long time and I've made a little profit with it but in the end it was a Scam.

Well, I will see soon enough if PanaMoney is a good or a bad high yield investment program.

The postal address for this HYIP is PanaMoney Technologies, Inc. 50th Street, Global Plaza Tower, 19th Floor, Suite H Panama City, Panama.

PanaMoney has eight investment plans:

  • Trial for deposits of $30-$49 will pay you up to 0.5% daily profit for 16 days.
  • Beginner for deposits of $50-$99 will pay you up to 1% daily profit for 100 days.
  • Standard for deposits of $100-$999 will pay you up to 1.3% daily profit for 180 days.
  • Intermediate for deposits of $1000-$4999 will pay you up to 1.6% daily profit for 180 days.
  • Advanced for deposits of $5000-$9999 will pay you up to 1.9% daily profit for 180 days.
  • Professional for deposits of $10000-$14999 will pay you up to 2.2% daily for 180 days.
  • Expert for deposits of $15000-$19999 will pay you up to 2.5% daily profit for 180 days.
  • VIP for deposits of $20000 or more will pay you up to 2.8% daily profit for 180 days.


Again, I hope I'm not too late joining PanaMoney after more than one year since it was launched.

HYIPs that paid me: Online Investment Fund, Infinitiva, Next Gen Market, Orion Capital Trust, Next Gen Profits.

Tuesday, April 20, 2010

HYIP Investment Guide

This is my online investing guide, about TIPS for investing online in HYIPs. From my experience, High Yield Investment Programs paying a 2% daily interest in average (1.5%-2.5%) last for a longer time and gives you the possibility to make important profits.

Almost all HYIPs are Scams in the end, so it’s very hard to decide where to invest. You should do your own Due Diligence, search online for any type of information about a specific investing program. Before investing a large amount you should test a HYIP with a small deposit to see if will pay you.

HYIPs - What are they?


HYIP is an acronym for "High Yield Investment Program". When we think of an investment program, we usually automatically get suspicious. High Yield Investment Programs have been around for a long time, but didn't really hit their peak of popularity until the internet came about. Now the owners of these high yield programs can start them up with basically no physical contact with their investors.

This means that they don't have to worry as much about any government intervention, such as taxes, SEC regulations, etc.

This however also means that they don't have to worry about doing anything legal. Probably about 99.9% of all online HYIPs are not being honest with you. The majority of these programs are Ponzi Schemes, named after Charles Ponzi who scammed millions from friends, family, and everyday people by creating a program that appeared to be a high yield investment. His program did not actually invest any of the money he collected. Instead it used the money from new investors to pay the returns to the initial investors.

Can You Make Money From HYIPs?


All in all the admin usually makes off with a large sum of money once he decides to close it down. However the initial investors, those who get in when the program first starts up, will also end up making a large sum of money. The legality of these types of programs are highly disputed. It is obviously illegal to own and operate a program of this type. As for the initial investors, as far as I know, there has never been a lawsuit put out against any of them. If they simply believed that they were investing in a legitimate program, it's difficult to prove any wrong doing.

There are literally tens of thousands of people online making money on HYIP's. There are actually people who make a living investing in these programs. It takes time to learn the ropes of HYIP investing, and most people lose money when they first start out.

Tips on how to make money with HYIPs

Ok, here are some tips that I have learned by simply reading forums, and investing myself.

Tip #1 - Don't fall for the "Extra" High Yield Investment Programs

Once you dig into HYIPs and find them, you will see there are various kinds of programs with various payout amounts. Some of the lower paying HYIPs pay as little as 0.1% Daily, while some promise returns as high as 1000% daily, and even higher! Now it's common sense that it is totally impossible to see returns of 1000% daily.

An example of this would be if you invested $100 into one of these programs which promised to pay you back $1000 the next day. Even the best traders in the world cannot make these kinds of profits on a consistant basis. I personally recommend limiting yourself to investing into only programs that pay 2-3% daily and less. These are the programs that will last the longest, and usually end up having administrators who are more patient (meaning they won't close up and run with the money as soon). I always feel that the lower the payout the better your chances for success when dealing with HYIPs.

Tip #2 - First in First Out

Since the majority of HYIPs are in fact Ponzi Schemes, this means that those investors who get in first will be the ones to see the most profits.

A mistake that I think too many people make when investing in HYIPs is that they use rating sites like these to find programs that have been paying out for a long time. Remember only 0.1% of online HYIPs are real investment programs, so this is an obvious mistake. Those programs that have been paying for a long time will usually be the ones to fail the soonest (not always the case but most of the time this is true).

Tip #3 - Professionalism is the Key:

When you are deciding which HYIP(s) you want to invest into, you should look at many aspects of the program's site. You will see some programs that have websites which look as if created by a 5-year-old, while you will also see some that appear to have invested thousands of dollars into their design and programming. It should be quite obvious that you want to invest in the programs that make themselves appear the most professional through their sites. The administrators of programs who plan to have a long lasting, stable lifespan, will usually take the time to make their site(s) look and feel the best.

Those admins who only want to take in as much money as possible before running usually will quickly put together a site that looks like crap.

Tip #4 - Evaluate the Programs Referral system

The majority of HYIPs now offer referral programs to their members. They usually offer a percentage back to the referrer of their referrals deposits. Most programs offer between 1-10% for referral bonuses. I believe that the programs with the lower referral bonuses are generally the programs that tend to last longer. However I also have found that a small referral bonus is better then no referral bonus at all, because it's those programs that end up getting the most investors. Again if the program is a Ponzi scheme, you want a program that will have a high number of investors.

Tip #5 - Due Dilligence is important but not as important as people make it out to be

Due Dilligence on a program is a very important procedure to perform when deciding on which programs to invest into. Due Dilligence also referred to as "DD" or “DDU" is the process of verifying a program. For example if an address is given by the owner of the investment, you should investigate and try and determine if this address is correct. If a phone number is provided, you should call it and see if you can actually get through to someone. Other forms of Due Dilligence would be:


  • Investigating the domain name used for the site. How long has it been registered for? Are the details on the registar correct? Can you contact the admin through those details? When was the domain name registered (in comparission to how long the admin says the program has been around for)?
  • Investigate the IP address used by the admin. This can be difficult to do, but you should be able to send the admin an email. When you get a response, you can view the header of his response to find the IP address that the email originated from. Determine if this IP address matches where the admin claims to be from.
  • Test the honesty of the admin. This is difficult to do as well, but you can do it by comparing things the admin says on his site to other details that you can dig up on him through his registration, IP address, etc.


All in all, Due Dilligence can help you determine the honesty and potential reliability of a programs' administrator. However most DD does not help from my experience. The main reason is that 99.9% of these programs are scams, thus DD doesn't prove anything. It is very simple for an admin to put an address on his site or domain registration to an office somewhere in the United States or even offshore. It is almost impossible for you to determine if in fact he/she works from that office or not, unless you were to pay him/her a visit.

As for telephone numbers, they are also useless in proving anything since any Joe Schmo can go out and purchase an untrackable pre-paid cell phone. Some of the most trusted programs were run by individuals who made themselves easily available to their investors. Charles Ponzi was one of them. In the end, it didn't matter how accurate their personal information was, because they ended up scamming the investors anyway.

Tip #6 - Get Your Initial "Seed" Investment Back ASAP

The trick to these Games/Investment programs are to get your initial spend (Seed Money) back as soon as you can. Once you do this, you are then playing with only profits, meaning no matter what happens, you can only win or break even. If a program offers a compounding option, do not choose this option until you have withdrawn your initial seed money. Compounding is a way that administrators keep their programs alive by keeping the money in the system rather then having to pay it back. Your goal is to get your initial spend back as soon as possible. Once this is done, then if you want to risk your profits by compounding them, go for it, as you can't lose.

Tip #7 - Be Smart and don't get Overly Excited about any One Particular Program

If it seems too good to be true, then it is. Don't put all your eggs in one basket thinking that this one program is your chance for financial freedom. Just because thousands of people are behind a program and believe every word the administration throws at them, doesn't mean that these thousands of people are right. Money does crazy things to people. Peoples dreams can fog their perception of what is real and what is bologny. If it was really possible for an admin to make 5% returns on a consistent daily basis, then why the hell would they be paying other people these returns when they could compound their own money and become a billionaire within a year?

Thursday, April 15, 2010

NextGen Profits

NextGen Market lauched a new high yield investment program: NextGen Profits.

NextGen Market is a great investment program that paid all my withdrawal requests so NextGen Profits will also be a good HYIP in my opinion.

NextGen Profits offers 3 investment plans:
  • Standard Portfolio paying 2% daily for investments between $10 and $2,499.
  • Advanced Portfolio paying 2.5% daily for investments between $2,500 and $4,999.
  • Expert Portfolio paying 3% daily for investments between $5,000 and $20,000.
I also got paid by these programs: Online Investment Fund, Infinitiva and OrionCapital Trust.

Saturday, April 10, 2010

OrionCapital Trust

Today I invested a test deposit in OrionCapital-Trust.

OrionCapital-Trust is offering different investment plans:

  • up to 4.30% daily for 30 days
  • up to 1.30% daily for 90 days
  • up to 1.80% daily for 150 days

I invested in the 90 days plan.

Sunday, April 4, 2010

Day Trade Group Inc

I invested in an online investment fund managed by Day Trade Group Inc. You can download their documents of incorporation and their investment prospectus by visiting their website at OnlineInvestmentFund.com

You must admit that their domain name is great :) Online Investment Fund offers a daily and a weekly plan. I invested in the daily plan using Alertpay but they are also accepting deposits by Libertyreserve, Perfectmoney, Solidtrustpay and Strictpay.

Many programs turned into Scams at the beginning of 2010 so I am glad that I joined Online Investment Fund now, I think this HYIP could last for several years just like Geniusfunds. Online Investment Fund was launched online in April 2010 so it is a new hugh yield investment program.