Newsletter: FinMutual new listing, MutualWealth halted by SEC, Cryptory new lang RSS - comments

Hola mis amigos!

First of all, don't you worry. I know that I disappear from time to time, and you must feel terrible about it: you're probably suffering from insomnia and PSTD, you're crying all the time and every day is now a bad hair day.

I apologize. But sometimes you just have to let it go. And by "it", I mean the online world. Still, I have been busy and today I'm going to share all my freshly acquired knowledge with you. We have added a new program, discovered some unsettling facts about Mutual Wealth's future and conducted an interview with's administrator, which is available here: Are you ready to start our journey?



To start with, FinMutual, our newest addition, is "in the niche of crowdfunding". The program set up its domain in July 2013 (valid for a year) and implemented Comodo Extended Validation Secure Server certificate in February 2014 (valid for a year). It is easy to check the program since they do not make any mystery of their address (FINGROUP LTD., St. John Street, London) or phone number (+4402032397334). In fact, you can also contact the company via Skype ( or Facebook (

As far as the plans are concerned, there are three different options: 1.80%, 2.20% or 2.60%. You can earn daily from Monday to Friday for 160 business days. Deposits start as low as $25 and there is no maximum amount set. The principal is non-refundable and there is no compounding option available. The total return varies between 288% and 416%. All the shares are kept by FinMutual for "around 2 years" before the entrepreneur can buy them "at market price". Payouts are handled manually and can take up to 48 hours. You can use all the major money processors: SolidTrust Pay, Bitcoin, EgoPay, Perfect Money, OKPAY and PexPay to deposit your money with FinMutual. When it comes to Perfect Money, due to popular demand, FinMutual has verified its account and now "processes withdrawals with Perfect Money VERIFIED status".

Where did I find this piece of information? On FinMutual's highly informative and regularly updated Facebook page. The website is just as well-prepared, although one may find the forever funny "lorem ipsum" leftover under Terms and Conditions. Still, it is easily navigated and setting up an account won't take more than a couple of minutes. Naturally, FinMutual also offers an affiliate program, and one can earn 5% on referrals.



According to its official website, the Securities and Exchange Commission filed an official complaint in the US District Court for the Central District of California to stop "a fraudulent pyramid scheme by phony companies masquerading as a legitimate international investment firm", namely Mutual Wealth. What one may read in the complaint is rather succinct and to the point, since the claim is that "almost nothing that Mutual Wealth represents to investors is true".

Newsletter: InvestFond new listing, short review of our top programs RSS - comments

Hola mis amigos!

Oh my, have we been busy! It's like Santa's workshop over here, amigos. No candy cane or lame toys, though, we are in the facts domain, after all. February somehow seems to be the perfect month to compare, contrast and evaluate the results. Although "evaluate" may be too strong a word, so let's go with "review", OK?

We have added one new program this week and we will discuss it shortly, but we also wanted to take a closer look at our "staples", programs that have been listed on the longest. Our Top Old 3, if you will. Shall we?



According to the website, InvestFond deals with Forex and is fully licensed by European Securities and Exchange Commission (license no. 208/13, registration no. 291974). Unfortunately, not much more is there to find out about the company's background – a whois search leaves you with nothing and they do not enclose any information on their website, which is rather well-organized despite the very modest "About Us" section. What we do know is that the creators are probably Austrian, because the site is available in English and German and 50% of the testimonials section is in German (yes, it means one of two testimonials) and the address given is Guglgasse 11/11 Vienna, Austria. We also know that the site is secured with EssentialSSL certificate valid until January 2019. Also, we do know how to deposit money, withdraw money, etc. thanks to the "Help" and "Funds overview" section on You need at least $50, withdrawals take maximum 24 hours, they accept Gold, Perfect Money, EgoPay, BitCoin and OKPAY. When it comes to the plans, they offer from 3% to 19% weekly (average rate – you can see the "average weekly profitable rates" on the main site)) for 40-120 days. The profits are calculated on weekdays. There are 6 plans altogether and you can use the handy Investment Calculator to check them out ( There is no affiliate section to be found but – as one may gather from the "Help" part – they offer "a flexible affiliate program to our customers [...] [who get] a 5% commission from any referral that deposits to their account". The principal stays with IF, and if you go before your time, so to speak, you shall pay "40% prematurity withdrawal closure penalty". Contacting IF is not sophisticated in any way: use the contact form online, call them in Austria (+43 136 49 403), use Facebook or Twitter.



I do not know if you know this, amigos, but out list is truly structured. You might have thought that we are just having fun and playing with the numbers, but it's science, guys. Or math, at the very least. The programs earn their position on our list in the following ways: they get points for going through the verifying process, for the so-called "deposit volume", the time they have been monitored, their ROI and our rating points. Also, you get some "base points" and you can also "order" points. As far as our rating points go, they are also awarded for very specific actions/services: payout speed, support quality, design, script, security and transparency. A program can get 10 points maximum in each of these categories. Now that you know the math behind the system, let's take a look at the programs that have been with us the longest.

Newsletter: MyTrafficValue debt swap details, AdClickExpress pending withdrawals RSS - comments

Hola mis amigos!

Another week has passed and with that our general wisdom has noticeably increased. Right? That would be lovely, but we all know that nobody notices the passage of time. Much less any wisdom intake, let's not kid ourselves.

But we do get to do things, for instance review 3pamm and WealthGroups. Have you read our reviews of the recently added programs? If not, be sure to check them out! And now, let's get it on, as Marvin Gaye would say...



In the latest newsletter, My Traffic Value announced that a "debt swap" which is going to affect the entire system and "will occur in the next few days". According to My Traffic Value, this move should provide the system with "a completely fresh start": the new MTV will be simpler and the plans will change a bit. To add to this, the program should seem completely new: " it will literally appear like we're launching from day one all over again". Except for the following changes: there will be new limits on investments and commission.

Members can now invest $1-$5 per day and per user with the 186% plan and the affiliate program will be one-level from now on. However, MTV will pay commission "on any gameplay you refer". Also, the investments will be handled in a simpler manner as they "will join MTV's simplified fast track queue". Another result of the debt swap will be the removal of all "inactive and zero value accounts". When it comes to the active users, your wallets will be "converted to shares", fully repaid, and "the estimated swap value will be $0.25-$0.27 per share".



UInvest brags about Artwork's "Badminton Sport and Spa Club is a Thailand indoor gym designed for badminton activities", its this week's first project. Also, there was a UIcloud Webinar Meeting held in Arabic on 21 January 2014. According to the newsletter, there are going to be more seminars in different languages. What's more, UInvest announced the top 6 funds launched in 2014: Moneybookers, Murg, Demjjid, Salaar, Taiiab, and the aforementioned Artwork.



In the second newsletter, Indigo Hill Investment Inc. reminded that BitCoin and LiteCoin deposits are acceptable, along with most of e-payment processors, e.g. Perfect Money, EgoPay, OKPay, Payeer, Western Union, Money Gram, and bank wire. Also, soon the website will be improved and should be "more convenient to use".


Uinvest Friday newsletter - what about withdrawals? RSS - comments

Friday newsletter - a few events worth uinvestors' attention

New Opportunities of UInvest Franchise  

Indeed, UInvest franchise opens a whole world of new opportunities for both uinvestors and business owners. Now, as you may know from the last MC, a franchisee can launch a so-called TOP fund, a tool for accumulation of uinvestors’ balances. With its help a franchisee can collect necessary funds for business projects and provide withdrawals to uinvestors. To learn more about how this model works, please click here.

Moreover, if you are a business owner and you are looking for funds, feel free to contact a TOP distributor, who now has an opportunity to list your projects.   
Submit your project today and get funded!

This Time UIdonate Helped 5 Children! 

We are happy to inform you that in November and December UIdonate project received a record amount of donations. First of all, we would like to thank our uinvestors, who donated their funds via UIdonate.

We have distributed these funds as efficiently as possible. As a result, this week 5 children have got the long-awaited help. They are Bohdan Aframchuk, Eugene Stepanov, Ilia Piven, Anastasia Golubovic and Eve Boyko. Due to our UInvestors’ donations we paid a course of the required treatment for each child. Once again, thank you very much!


Meet the Winner of the G.U.N. Contest!

Dear Ladies and Gentlemen,

Today we would like to congratulate the winner of the annual G.U.N. Anniversary contest, Vladislav Gorban, and wish him all the best in all his endeavors and activities as a GUN Agent.

As you may remember the task was to create a New Year card with GUN logos and post them on the GUN project facebook page. His work got the biggest number of likes from our audience and he really deserved his Apple IPad. It will be sent to him asap. Congratulations!
We would like to thank everyone, who participated in our contest.

All the best from UInvest!

Uinvest withdrawals problem, Selected Financial Partners ready to help? RSS - comments

After Liberty Reserve collapse, Uinvest program is in big troubles. This was the last direct payment processor which was available for Uinvestors to make a deposit or to withdraw money. Nowadays all transfers are handled by Financial Partners, who are "trusted uinvestors making money on in/out exchanges within UInvest".

The problem is that more and more uinvestors are trying to withdraw money so some financial partners started to make speculations. It's been a long time since Uinvest cut these speculations. Since yesterday, when the managment chat took place, Alex informed that from now on 25% is the maximum commission fee which any financial partner can set. And a negative commission of deposits was also removed.

So, it means that Uinvest is determined to handle all deposit and withdrawal requests. But how? Personally I have never seen even one offer from Selected Financial Partners even with 25% fee. The Financial Partners idea is not bad, but this third party needs to be controled by Uinvest, because the free market means some speculations, cheats, and a price relation to a demand. Currently more people try to withdraw money so financial partners are not interested to help them and to offer resonable rates, they are also worrying about Uinvest condition.

The current situation give more arguments to opponents who compare Uinvest to a ponzi scheme. I have to agree that if withdrawals are related to deposits volume, this is how a ponzi scheme works. I don't want to judge if Uinvest is a ponzi or not, I tried to do this in the past but without a resolute conclusion. But if the current situation extend, more and more people will start a panic mode.

We know from Alex that there are only 25 Selected Financial Partners (with transactions limits) and thousand of people who try to witdraw even with 25% fee. There is still no solution to them and I don't believe that this problem will be solved day to day, especially if Alex think that direct withdrawals will be not available because of the legal aspects. This is the opinion of Vivat, who was introduced as Uinvest lawyer:

"Uinvest is NOT a broker company. And, as another matter of law, it is not allowed for UInvest to take money directly from uinvestors.".

So the solution to handle withdrawals via which was announced earlier is not ready yet and there are doubts if it will be ready at all.

So, lets wait and give a little more time to Uinvest. We should do this for two reasons:

1) Uinvest is working many years on the market and they usually have kept their announcements and promises.

2) We have no other way :) So it is better to not spread the panic until we will be sure that Uinvest is insolvent, it doesn't help anyone.

Personally I know that it is not easy to create a quick solution for so many investors, even if you have money for that. The legal aspects are very important and I believe that they may be a barrier for the quick solution. Let's watch the situation and do not draw too fast conclusions.


Newsletter: MaricoTrade add, ProfitClicking GreenLight, Uinvest new interface RSS - comments

Hola mis amigos!

I don’t know about you, but lately everything seems to be spinning around me, and not in a hot-pants-Kylie-Minogue kind of way. Is that just me or was last month incredibly busy? I know we have been truly active over at So as not to waste your precious time, let us begin.



To start with, despite lacking some major tlc (but it may be due to the fact that the website was created on 2013-01-11), Marico Trade’s page is rather easy to navigate. However, the compliments end there since it’s not properly secured and they demand your full name upon registration while close to nothing can be found about the program’s creators, which I find truly hypocritical (although a whois search reveals the following info: “Admin Address: 103 Student Drive P.O., Muscle Shoals 2603, Alabama, US,, +1.8005551212).

 Other than than, setting up an account is a piece of cake and can be done within seconds. According to the rather poorly developed “About Company” section, Marico Trade’s business model is “really simple” and that means that “investors entrust MT with their funds; Marico Trade, in turn, trade them in a wide variety of investment tools - both online and offline - to provide the yield way above the market”. Not clear? How about now: “we have Rent Heavy Equipment as Main Business and Trading Gold Business”?

I thought so, amigos. Let’s just make this clear: it’s a hyip that is “backed up by Forex market trading”. As far as the money issue goes, you have to spend at least $10 (non-returnable) using LR or PM and “depending on each plan”, the interest is acquired “Daily, Weekly, Bi-Weekly, Monthly and Yearly and credited to your available balance at the end of each day”. The interest varies between and among the Basic and Locked Plans: with Basic Plans that last 90 or 180 days it is 2%-2.80%, with Locked Plans (also 90 or 180 days) it’s 2.4-3.2%, depending on the amount you choose to invest. When withdrawing, remember that Marico Trade has a 8% withdrawal fee. According to the FAQ section, “funds are usually available within 12 business hours”.

Newsletter: VladimirFX, Easy Growth adds, ProfitClicking ONHOLD, NoBox Manifesto RSS - comments

Hola mis amigos!

What a nice, slow, easy-breeze week it was! Almost like a well-deserved holiday. Since there’s literally nothing bad to report, let’s go straight to the point, amigos.


Last week we’ve added two new programs to our mix: VladimirFX and Easy Growth., as one can judge by the name, is a Russian website and only portions of it are translated to English. Since I haven’t mastered Russian, I’m afraid that I can only tell you the VladimirFX basics regarding the plans and the website itself.

First of all, VladimirFX deals with the Forex market: its owner, Vladimir Kotsyuba reportedly is an “independent trader” with “first experience with Forex in 2001” and at the moment he “specializes in the GBP/USD pair”.

Secondly, to invest you need at least $50 (the principal is not really returnable but it can be withdrawn afterwards) and the profit directly depends on the amount of money you decide to put into VladimirFX: “from $50 - you get 50% of profits, from $1000 - you get 60% of profits, from $5000 - you get 70% of profits, from $10,000 - you get 80% of profits, from $50,000 - you get 90% of profits”. As you can see, the rules are simple, compounding is available, all transactions are handled manually, and it apparently deeply affects payout time since it takes place during weekends only. VladimirFX accepts Liberty Reserve, bank wires and WebMoney. The website is secured with GeoTrust RapidSSL certificate, but you can see it only when you attempt the Russian signing in/up.

Easy Growth has the “English advantage”, so more is known to an average user. Plus, (secured with COMODO SSL certificate) is actually rather appealing so searching for information is not a drudgery. To start with, according to FAQ section “Secure Income is an international investment company officially incorporated in Dominican Republic and doing its activity in compliance with all applicable policies and regulations of Dominican Republic’s government”. So “Secure Income” or “Easy Growth”, amigos? I’m confused...

Anyway, the minimum to invest is set at $10 and, theoretically, you can withdraw as little as $0.01, but Easy Growth a.k.a. Secure Income warns potential members that it’s only true when it comes to Liberty Reserve and Perfect Money, because “the minimum amount that can be sent to Solid Trust Pay is $0.50” and that’s why you should “refrain from request smaller amounts to Solid Trust Pay system as these requests will be declined since they are impossible to be processed”. The whole process is handled manually and “on average all withdrawals are processed within 1-3 hours upon approval” but EG’s team “reserve the right to hold your funds for up to 12 hours for review before paying out”. No compounding is available, but the principal should be returned to you without any problems upon maturity.

The plans do not have any cute names and, naturally, the main difference between them is how much money is requested up front and how much money you can earn: 125% after 1 day, 225% after 3 days, 475% after 7 days, 2225% after 30 days, all including the principal investment.

UInvest Maintenance Upgrades RSS - comments

The management chat on became “thematic”, which means that last Wednesday UInvest chat had “a new format” ,“was dedicated to a certain topic of discussion”. and was “well held by [UInvests’s] team members”.

 Apparently an instant success, one may expect UInvest keeps on with this new feature. That is not all in the aesthetics department: “a new graphic user interface” which should “reflect the dates and names of all implemented options” called a “timeline” is now available at Thanks to this new feature, “you will be able to see every option’s full functionality description”.


Newsletter: NoBox, Sol-R, 72Business, Ad-Solid adds, OilOfAsia vs Goldenarium RSS - comments

NoBoxHola mis amigos!

As I’m always saying – not that it’s my original thought or something – when it rains it pours, and it’s as true online as it’s not at all when it comes to the weather. Let’s be honest, this saying is stupid on the literal level – thankfully, not every rain is a deluge or all of us might as well be called Noah. But the saying sure is true when you take it to another level and in this manner it has never been more true than today.

Sieving through all the e-mails, news, updates, upgrades, scandals and controversies of last week, I cannot help wondering: why now? Is it just the natural course of things or is it something in the January water that makes people go crazy? Over the years I’ve mastered my personal theory that if something can go wrong, it will go wrong in January or September. It’s a whole huge dogma and I won’t bother you with all the juicy – albeit slightly insane – arguments, but believe me: it’s so on this time...



As you should know by now, there’s nothing Money-Monitor appreciates more than transparency. That is why NoBox is a no brainer: an interesting program that is as far from anonymity as possible: founded by Karlo Marek of Santiago, Chile who has been an active InvestNote blogger for a couple of years, NoBox can pride itself in something more than a catchy name, a good slogan

(“Don't think outside the box...Think like there is No Box”)

and a well-designed website. First of all, it’s a hybrid that combines the idea of a HYIP, surf and ad platform. What’s more, the program’s “structure produces continuously revenue for the members” with some kind of an insurence scheme, that is a revenue-security holdback which is possible thanks to “banner ads, surf premium ads, text ads, affiliate revenue, cash-backs and referral commissions produced by Karlo’s investnote links”. Provided that there’s enough money, a user gets 2% per day until they achieve the 180% ROI limit. Naturally, one can also upgrade the account (with $4.99 or $6.99 per month) and, by doing so, increase the ROI limit to 250%.

Each of the three membership offers gives one different opportunities:

  • the Free Membership (minimum investment $5, non-returnable), the most basic one, requires daily surfing and limits the purchase of revenue packs to 200,
  • No Box Subscription ($4.99 a month) also requires daily surfing, but there is no limits as to how many packs you may buy, and you can “advertise 10 websites, receive 15 credits for premium ads (3 per day), receive 5 credits for manual ads (watch minimum 5, maximum 50 ads a day)”,
  • while NoSurf Subscription, as the name suggests, doesn’t require any surfing and gives one the opportunity to advertise 25 websites.

Another interesting No Box feature is called “cash back” which is a manually processed system that allows for a higher than usual affiliate commission for products from selected partners. At the moment No Box accepts LR, PM, EgoPay and STP.


Hybrids seem to be in fashion right now, since another newly founded program is one as well: AD Solid, a mix of HYIP, surf and ad platform. To add to this, AD Solid definitely got the security memo as it uses Staminus’ services, a unique script and SSL Thawte certificate. This Panama-registered program created in December 2012 not only offers a nice online experience with a pleasantly constructed website, but also five different investment plans:

Newsletter: money-monitor 2012 awards, Uinvest new project, SureInv update RSS - comments

best online investmentHola mis amigos!

It almost gives me chills to welcome you into the new year. Will it be the one we all make it big? Will it make us all filthy rich? Or will it simply crush our dreams once again? Not to rain on your parade or anything, but let’s face it, most our years end up like the last assumption, right? I mean, ekhm, Happy New Year, amigos! May you all be well and wealthy!


As is our tradition, each year we select programs, payment processors, exchangers, forums and blogs that made a positive impression on us and, what is as much important, our very vocal users. Last year was truly turbulent: we have seen the birth and demise of many promising programs, we have witnessed a plethora of changes amongst the well-liked and respected payment processors, we have investigated the workings of the most popular exchangers, and have browsed and perused through an abundance of forums and blogs. You can find the whole list of winners here:

Let me begin by saying that it’s that special time when not much is going on since people are still licking their Christmas and New Year’s Eve wounds, caused by copious amounts of family and friend-related fun. Yikes. In a nutshell, no new programs to report, but some services sure kept busy. Let’s take a look, shall we?



Apart from awarding its members, UInvest has managed to introduce a new security feature, a mobile version of the website, a new project and a promise to do their “best to make [their] clients' plans real, [...] show the growth of financial stability and increase profits”. First of all, security – you can now obtain a PIN code using your e-mail or SMS, which should “prevent unauthorized use of your UInvest account”. Secondly, “a mobile version of UInvest” has emerged and UInvest is waiting for your feedback regarding the way it works. When it comes to the newest project added to UInvest’s portfolio, this time it’s a Saudi Arabia-based business that has been active for 3 years and involves food. To cut the chase, it’s a restaurant that – according to the information provided by UInvest – is conveniently located near the Arabian Open University of Dammam, Dammam Main Hospital and a military residential area. The restaurant – advertised as “Romance Night Restaurant “ that has “an exciting new theme concept offering fresh food served almost all type of people” which sounds alarmingly peculiar – employs 25 people and needs $475,200 ($550,00 per share). Investment period is 5 years with monthly earnings estimated at $71,280.


<< [<] 1 [2] [>] >>


Any questions? Contact us!
Money Monito Chat

Money-Monitor CHAT

  • No offending
  • No spam (no referral link)
  • No flood


Compare IP