Q: Money-Monitor First of all, I would like to thank you for giving me the opportunity to interview you for the money-monitor. Would you mind telling me a few words about yourself? What is your name? What do you exactly do in the company?

A: Firoz Patel Thank you for giving me the opportunity to interact with your readers. My name is Firoz Patel and I am the CEO and co-founder of AlertPay Inc.

Q: Money-Monitor It has been 4 years since AlertPay emerged on the on-line payments market. As one may find out from the interview you gave the BNN, the beginnings weren’t exactly easy. How would you compare your payments system to that of your competition?

A: Firoz Patel I do not believe in comparing as we all have different strategies and strengths, so instead I will explain some of the advantages our members enjoy with AlertPay. With an AlertPay account, you can send payments to one person or multiple people, use our flexible depositing and withdrawal methods, shop online, make subscription payments, manage multiple businesses, convert currencies and use our Business Tools. AlertPay supports more currencies, countries and industries than any other payment processor.

Q: Money-Monitor AlertPay has been accumulating many supporters mostly due to its diversity, accessibility and the friendly support. What else do you think is the difference between your system and the other ones on the market? What is more, do you think you will be able to keep up with the good work?

A: Firoz Patel While supporting more countries and currencies is great, our proactive Customer Support team and high security standards help set us apart from the rest. Providing a secure and efficient payment solution is our job. And keeping our members happy is a high priority!

Q: Money-Monitor Although AlertPay is an international site it has only the English version with the English support. Are you considering launching a multilingual platform any time soon? Are there any other improvements that you plan to implement?

A: Firoz Patel We completely understand the importance of offering multilingual services and are working diligently on making this possible. We have a French version of our website coming soon with more languages to follow. Alternatively, members who need support in French, Italian, Mandarin or Russian can call Customer Support and speak in their native language with one of our talented staff members.

Q: Money-Monitor Would you mind telling me how many members do you currently have and how many new members join the AlertPay family every day? Also, how many sellers use your payments system?

A: Firoz Patel I am glad you asked. In the beginning, the company received one or two sign-ups a day. Five years later, we are getting close to 3,500 registrations a day, making our customer base well over three million members and counting.

Q: Money-Monitor What forms of support does AlertPay offer its users? Do you offer your members a VIP status or any additional support?

A: Firoz Patel One of AlertPay’s policies is to provide even the occasional member with support when necessary. I have seen members change from casual online shoppers to online business owners with our help. AlertPay is proud to have a diverse, interdisciplinary staff with enough passion and talent to assist all of our members, especially those with hopes of pursuing their own business.
However, we also understand that some sellers require more attention, which is why we have a Business Development department. Any and all inquiries can be done through our Support Center at www.helpdesk.alertpay.com. There you will find our Frequently Asked Questions and Answers, Knowledgebase and contact information.

Q: Money-Monitor Does the “Business account” come with any special perks?

A: Firoz Patel Yes, it does! Normally this type of account would have either initial start-up fees or recurring fees. However, like all of our accounts, it is free to sign up. Also, AlertPay is easy to integrate if you have an online business. Managing multiple sources of revenue is simplified as you can consolidate separate businesses with one account.
You can accept credit card and AlertPay balance payments for one-time or recurring purchases and you can withdraw your money quickly and securely. With built-in fraud protection, you can leave your security concerns to us.

Q: Money-Monitor In your last newsletter one could read about the change of your bank accounts. Does this change affect the members in any way?

A: Firoz Patel Thank you for taking the time to read our newsletter. Yes, these changes will affect our members in a very positive way. By doing this, we will be able to provide a multitude of better banking options. Our goal is to enhance our members’ experiences with instant credit for loyal members, quicker processing times and localized banking for more countries.

Q: Money-Monitor The rules of your system imply that even unverified members can send and accept money from any other member in your system and can withdraw the money to their own bank accounts. Isn’t this policy too lenient?

A: Firoz Patel Good question. We pride ourselves on being a friendly and easy-to-use online payment solution. We also know that verification can hinder a potential sale. So, to keep the process easy and quick, we have imposed limitations rather than restrictions: All unverified accounts can only send, receive, deposit and withdraw a limited amount of funds before being asked to get verified. So, is it too lenient? No. Is it fair? I think so.

Q: Money-Monitor Due to not being able to verify every transaction, should a verified member, like an owner of an online shop, be concerned about payments from unverified or verified members? What kind of precautionary measures should s/he undertake in order to prevent accepting the embezzled money? Should s/he hold back with delivering the goods to avoid the chargeback?

A: Firoz Patel As you know, payment processing is not a face-to-face industry and a large number of internet users are not familiar with certain risks. One of AlertPay’s goals is to minimize those threats through various security techniques. However, we encourage all of our members to do their own due diligence as well.
There are many clues to help identify a suspicious transaction, and by staying knowledgeable, our members can protect themselves more efficiently. We often suggest staying up-to-date through research. www.fraudpreventiontips.com/ offers some interesting and helpful safety tips. Be aware that withholding a purchased product does not help and may tarnish your reputation unless this is made clear before the purchase has been made.

Q: Money-Monitor Browsing through the testimonies of PayPal and MoneyBookers members, I came across the problem of not quite justified account blockages. Furthermore, there often is no opportunity to clarify such a situation. What is AlertPay’s policy of account blockages?

A: Firoz Patel Through experience, I have seen that most stories regarding account blockage are often misunderstood. Being on both ends of this type of situation has shown me this even more. By adhering to a User Agreement, it is very rare that an account is blocked. Also, we always address any important issues with concerned members.

Q: Money-Monitor One much appreciated feature of a payment system is anonymity. How anonymous are the AlertPay transactions?

A: Firoz Patel You are right! Anonymity is a big concern for many online buyers and sellers and AlertPay has the highest regard for confidentiality. We will not sell or rent a list of our members or their personal information to third parties. Their name, email address and verification status are displayed to other AlertPay members with whom they will be transferring funds through AlertPay. If they are Business account holders, we will show their URL and company name instead of their personal name.

Q: Money-Monitor Since AlertPay is an international payments system it seems inevitable to ask about the restricted policy of American government concerning the electronic payments system. Are you worried about the possible deterioration of this situation?

A: Firoz Patel I am not sure what restricted policy you refer to. The U.S. is still an open market with little red tape or bureaucracy. There are certain industries that are controlled in the U.S., but nothing that concerns AlertPay. As long as we abide by the rules and regulations set forth by the government and the agencies of the U.S., AlertPay’s American members will continue to enjoy the benefits of our services.

Q: Money-Monitor . (The question from @Noema – refback80.com) the world of online business with its modality and dynamics creates more and more forms of using the online payments system. However, the legality and reality of some of their actions may sometimes seem controversial (for instance, MLM, online gambling, autosurf, bux). Some of the payments systems impose certain restrictions concerning the access to such services. How tolerant is AlertPay when it comes to such services using AlertPay’s payments system?

A: Firoz Patel : I do not think it is about tolerance. Because we abide by very strict terms and closely monitor certain industries, we have been successful in providing our services to “high risk” industries. Like fraudulent or suspicious activity, we use many tools to review a website after it has been registered. Also, we have recently revised our User Agreement to include information pertaining to new industries we now support. You can find it on our website or by following this link: https://www.alertpay.com/info/useragreement.aspx.

Thank you again for giving us the opportunity to educate your readers about AlertPay and what we can offer. 2009 has been a big growth year for us. Because of this year’s success, 2010 looks even more promising. I invite everyone to take a look at our new blog where we intend to keep you informed about what’s going on at AlertPay: http://blog.alertpay.com.

Envision Labs Inc

1. Dear Leah, first of all, I would like to thank you for giving me the opportunity to interview you for the Money-Monitor. We  recognized that your service is so transparent and informative, that you deserve for additional more detailed questions. Please  introduce yourself shortly and describe what was the motivation to launch your program?

Dear Money-Monitor (I don’t even know your name) we are honored to  provide you with more details about Envision Labs Inc. and our philosophy to change the way things work today. We want to challenge  our investor to ask us why ?, and you certainly have. I will try to  answer this to the best of my knowledge. Starting with your first:
Envision Labs Inc, was launched as an online investment opportunity  since the power of the internet is not surpassed by any media in the world, and the benefits from it greatly outweighs any other communication channel available on the market. Personally I have worked with different companies throughout my career, but this is the  first company I work for that is offering an unprecedented level of  transparency, even to its employees. Something I value a lot.

2. The trust to the world of on-line investment was ruined by the  ponzi schemes, which usually introduce themselves as a serious businesses, but in 99% cases they turn to scam and steal investors`  money. How can the ordinary investor find a difference between such programs and these real? How do you plan to rebuild the  confidence to this industry?

We agree with you, and many others do too. As defined by Wikipedia
(http://en.wikipedia.org/wiki/High-yield_investment_program) A high-yield investment program or (HYIP) is a type of Ponzi scheme, which is an investment scam that promises an unsustainably high return  on investment by paying previous investors with the money invested by  newcomers. However we are not a HYIP, no where on our website will you  find the word HYIP. If anything we would be labeled as a LYIP (Low  Yield Investment Program), but we don’t care much about labeling, we  care about providing a secure and steady income for us and our  clients. The ordinary investor can easily distinguish which  opportunities are real and which are “out of this world”. It can been  seen in the way a company advertise themselves, in regards to referral  commissions. Which other investment company/bank that is still around  today and have been for at least 5 years have you seen that provides  referral commissions for bringing in your family and friends, none  right ?. We want investors to talk about Envision Labs Inc. only if  they like what they get, the word of mouth is so much more powerful  than simply offering monetary incentives for brining new clients (the technique used by the not so honest companies out there)

3. Do you plan to add more payment systems excepting the Liberty  Reserve and Perfect Money? Can I use a wire transfer to deposit my money?

We are constantly in discussions with banks, and other e-currencies.
And we will be adding more payment/withdrawal options as we move along, the reason why we selected Liberty Reserve and Perfect Money is  that they both have very low fees.

4. Why have you registered your Company in the Panama? From the  opinions of many experts, registration under an Offshore-heaven does not prove about the transparency of the company, but gives  possibility to hide against the responsibility.

Envision Labs Inc. is operated, registered and based out of the
Republic of Panama, for some simple and apparent reasons:

1. Less  bureaucratic company regulations by the panamanian government.
2. More  flexible tax regulations.
3. The ability to employee people from  around the world, however still working under panamanian law
4. Finally,  the openness and transparency of the panamanian investment  regulations.

We do not see Panama as being an “offshort heaven” to use your words,  we see Panama as an open and transparent country. That is why other  multinational companies have chosen Panama, like “McDermott  International Inc” and “Morgan & Morgan Group”.

5. Does your company registration include a license to operate as an  investment fund? If yes, is it possible to view it?

The company registration we have filled with the Panamanian government  includes a standard license to operate as a private investment fund.
It is possible to view it, upon request.

6. Have you published any company earning reports available to view?

Our earnings report, and other yearly reports such as fiscals etc. can
be found at the Panamanian Ministry of Commerce & Industry (MICI), and  are available to anyone.

7. The profit offered between 1-4.5% Weekly seems to be reliable to achieve. Although, the serious investor apart of it requires  additional protections, like phone support, and possibility to visit your office, to get to know your names. Do you offer these  possibilities?

Envision Labs Inc. is an online investment opportunity. With reliable  and sustainable ROI’s as you mentioned. While we do not believe that  providing phone support, and arranging meetings with clients can better the protection for anyone, this is however an opportunity we are considering. Let me break it down, first of the phone support. We want to establish this, however the sheer cost of this (since we would have to establish multi-national support teams around the globe) greatly outweighs the benefits. Secondly due to legal concerns, what we tell our clients must be consistent all the way through, so no misunderstandings can occur, having a phone support, the risk of misunderstanding, and misinterpretations are greatly increased. However we are not eliminating the possibility for a future phone support option, it all depends on customers wants and needs. Secondly  the possibly to visit our office, well that is possible, however as  stated earlier we are located in Panama, and we do not employee enough  people currently to allow for various people to simply walk in from  the street. However if you personally want to set up a meeting with  one of our fund managers, or me. I will be happy to assist you.

8. After reading your investment folder I found out that one of your  investment plan (GovernSecura™) is related to Government bonds.
How is it possible that you offer to the investor higher profit than  the average return from the Government bonds (1-10% Yearly)?

GovernSecura™ is an investment fond focused on low risk investment  with a stable and long-term profit-margin. Focused on government bonds  and credit bonds. Combined these provide a long-term stable outcome  that is viable even though an economic downturn.

9. Besides this folder has a text copied from another outside source: http://www.nasdaqtrader.com/content/newsalerts/2009/infocirculars/EPU_061909.pdf

Copied text little changed Similary isn`t? Please explain.

This is a standard phrasing, to describe how a fund follows market trends and achieve the objectives of the fund, in the primary or underlining index. Googling for that phrasing will bring you up a ton of different funds, and companies. (It can be compared to using DISCLAIMERS, they tend to contain the same legal text, with minor differences)

10. Why do you need investors` money? Is it not better to invest from the own pocket or money borrowed from the bank?

Borrowing capital, especially in market situation such as we are in now, is simply not an option. The interest we would pay would greatly  outweigh possible profits. No real investment company, borrows money  to invest. Secondly we have used own money to start the investment  funds, but to continue to grow them, and to continue to provide better  funds and options for our investors we need capital. The fuel for our  process is capital, if we have none, we make 2% of nothing, which is  nothing

11. Is there any risk by investing in your program? What can you guarantee?

Only a fool puts out a guarantee, there is NO such thing as a guarantee in investments, this is true in life as well. If you are  EVER offered “a bulletproof, or guaranteed investment” you are a wise  man to turn it down. As we state on the front-page on our corporate  site, there is always however RISKS. We do not know them, otherwise  they would not be risks, however we can try the best to avoid them. We  do this by operating a stabilization fund.

Hey my name is Leah H. Walker. President of International Consumer Marketing (ICM) for Envision Labs Inc.

2. How many people are running your program?

Envision Labs Inc. currently employes 22 professionals. We can break it down [Besides our CEO, we have 1 President of Investment Funds (PIF), 3 Local Investment fund Specialists (LIS), 9 Professional traders (3 for each fund). 3 People involved with Marketing & Communication (I am one of them), 1 Head of Customer Service & Quality Assurance and finally 4 Customer Service reps.

3. Why did you decide to open online investment program?

For far to long, the risk and instability of the online investment world has ruined the spirits and confidence of the ordinary investor. As well as drained his wallet. So when we were developing the concept of Envision Labs Inc. in early 2007, and our investment vehicles, we wanted to make it as simple as possible for you as our investor. We did this by eliminating all the clutter of accounts openings, passwords remembering and so forth. We also made it clear that we were NOT another skyrocketing daily interest, and dream crushing, company that kept costing the regular investor money.

4. Where are you based?

We are based in the Republic of Panama. This is due to the the favorable panamanian tax legislation.

5. Are you a registered company, If yes, where is the company registered?

Yes we are a registered Panamanian company. (Company Card: 602708 Company Document:1289591) .

6. Can you show us your incorporation documents?

Our incorporations documents can be seen in a snippet format on our site, if you want the full package you are welcome to contact our support department directly via email.

7. When did the program launch?

Envision Labs Inc. Was registered on February 08, 2008 and opened for trading online on the very first day of January 2009.

8. How do you generate profits for your investors?

For full details on this matter, please see our investment site, where you can find full investment prospectus from each fund available for download as a PDF file.

9. Can you show any proof of your trading results to public?

Unfortunately we cannot share this information publicly. We would lose our competitive advantage if such information were disclosed publicly.

10. How large is your current capital?

Unfortunately the same applies here, we cannot share this information publicly. We would lose our competitive advantage if such information were disclosed publicly.

11. What protections against DDos attacks do you have? Is investors money safe in your service? Where is the server located?

The investors money are always safe, since they are handle by PerfectMoney or LibertyReserve that makes use of rigid SSL protocols to ensure data protection.

12. What are your plans for the future?

Well I cannot disclose what kind of specific plans we have, but I can say that we are always working to improve the customer experience, and develop new and even more attractive investment vehicles. However I can tell you what we just did. we have just re-branded our Information & Technology fund into a GreenInvesta™ fund. Why green energy you might ask ?. Well from an investment perspective, it is now beyond doubt that climate change is real. The economic risks are significant and almost no sector of the economy will be immune. Electric power companies, oil producers, and automakers all face high risks from emerging regulations aimed at reducing global warming pollution and from European and Japanese competitors who are already developing products for their low-carbon economies.

13. Tell me a few reasons to join your program.

Well for one, our realistic profits, we do not offer you 5% an hour, a day, or even a week, simply because that kind of profit only exists in dreams. We live in the real world, where real investments take place. We have simple, streamlined investment vehicles, that are all trademarks of Envision Labs Inc.

14. Anything you wish to add yourself?

There is always a risk as with anything here in life, everyone telling you the opposite is a liar. Companies who offer you gurantees are liars. There are NO guarantees in this business as there are no guarantees in life. However we believe we can better the online investment industry, that for far to long has been the essence of instability. We are a real investment company, with real and realistic payouts. Think about it, can you really make 10% a day ? NO YOU CAN NOT. But together we change the investment game…

1. Dear Sir, first of all please introduce yourself.
What is your name and your position in the sportarbs.com?

I’m Michael Atkinson and I full fill a support/PR position in SportArbs Limited. I’m answering your questions together with Klaus Schumann who is working as a Senior Arbs Expert, in case of certain questions related to our betting strategies.

2. Why did you decide to open your service? What is the main purpose  of Sportarbs?

Due to the risk on the regular investment markets, including but not limited to Forex, stocks and commodities SportArbs developed a system to automatically place bets on various bookmaker sites. We did use this system a long term internally, however, we felt this could be something a wider audience would be interested in. This also gave us the possibility to place more bets, with higher sums to achieve a greater return.

3. How long has your service been on-line, when did the operation begin?

The service as is, for the public, got introduced to it on April the 11th of 2009. Our system, the arbitrage betting solution we did develop, is active since approx 2006. With this in mind we can conclude we have certainly in-field knowledge as well as an educated staff at this point.

4. Please introduce your team. How many people are running your service?

We do have 12 peoples operating our system. Marketing experts who watch the arbitrage market in order to find new opportunities to place bets on, PR officers to visit certain high depositors in person to explain the benefits and use of the system, bookmakers in order to communicate with arbitrage companies and to keep track on our business, accounts to produce the papers for either the government and/or our inverters, our support division and our technicians who make sure our system remains online and operating.

5. What is your experience with Sports Betting? What is your professional background?

I did answer this I felt in the previous questions, however, this is written by Klaus Schumann who we did introduce earlier as Senior Arbs Expert has a 10 year experience as a traditional bookmaker and a history of being a professional arbitrage better.

6. Where are you based? Are you a registered company, if yes, where is the company registered?
Can I visit your office?

SportArbs is part of an officially registered United Kingdom private company limited by shares (LTD).
The United Kingdom is one of the countries that offer hassle free the opertunity to operate on the arbitrage field. For this reason we do bank and held office in the United Kingdom as well on the Island of Main.
Visiting isn’t an issue, just make sure you make an appointment and reason of visit so we can make sure the right person to speak to assist you is in place.

7. Are you a hyip (high yield investment program)

If you mean by HYIP a structure as shown here; http://en.wikipedia.org/wiki/High-yield_investment_program we can assure you we don’t operate that way.
Due to arbitrage betting being one of United Kingdom’s most old fashion investing ways there are allot of requirements to full fill and follow which are regullary inspected by the (local) government. All profits we make are made from arbitrage deals.

8. What protections against DDoS attacks do you have? Is investors money safe in your service? Where is the server located?

Our website and servers are hosted by Dragonara in the United Kingdom. As said we are based in the United Kingdom and arbitrage deals are allowed to be performed in the United Kingdom. To avoid any issues for either us or our investors we chose to locate the hosting in the United Kingdom.

Our routing does so called null-route DDos or other malicious attacks, in order to keep information stored on our servers in a secure environment. Dragonara is 24/7 reachable for us in case of anything, this reason we can guarantee an uptime of about 99%.

9. Are there any limits to how much money I can fund into your program?

Limits are certainly in place on our program. We do have to do so in order to follow certain Know Your Client (KYC) policies in the United Kingdom. However for people who wish to make a greater deposit we offer the service of a personal meeting with one of our PR advisers. We will simply fly to the investor and have the papers signed in a manual fashion.

10. Why don`t you return principal amount to investors?

Due to the fact our system automatically performs all betting and deposits with (investors) money, it’s very difficult to do a cash-back at the end-point of the program.
The return on the other hand as we offer is clear and simply just made by arbitrage bets.
It’s simply impossible and you most likely know this better then us, to offer a higher return with the current market situation.

11. You claim on your site that: “a compounding rate cannot be changed after investment is made”, but if someone set a compounding to 0-20%, he will not be in profit in your program. Why do you allow to set
no-profitable compounding percent and why do you disallow to change it later?

As mentioned previously, all funds deposited to our program will automatically be send over to the arbitrage deals that do full-fill the investors configuration. It’s slightly impossible to ‘book-back’ the money or adjust the plan later on. Those that are willing to seriously invest will follow the certain math schemes as described on our
site before making an investment we felt, however, we don’t prohibit the client to later on re-invest for another 42 days with his earnings set to a 100% compounding rate.

12. What is your relation to arbstrading.com Company? What does it mean that “We worked with this company”?

I’ve to apology for not being authorized to answer this partial question.

13. Do you offer a referral program?

We do work with a 3-level deep referral program in case to make it interesting for our clients to introduce there friends, relatives or associates to our program. The first stage is at 7 percent.

14. How is working your “Stabilization fund”? It is necessary to create such fund for a “risk-free business”?

As every other investing company we do have to have a certain fund. It’s regulated by law and it gives us the opportunity to have a so called reserve. In case of any non-expected non-betting holiday we do have funds in order to pay our clients.

15. Is it really a risk-free business? You have to open accounts at many bookmakers, some of them are not reliable or they process your withdrawal requests for a long time. Sometimes some bets are canceled or changed. How do you reconcile it?

We can assure that arbitrage betting done in our fashion is risk free. With the bookmakers we deal we do have a long-time trust relationship. For this reason we can guarantee a quick payout from there companies to our trust account. Our investors won’t notice any
delays in case they occur. Even if they do we still have our stabilization fund to perform payouts with.

16. What kind of support do you offer to your clients? Any distinction  for VIP investors with large deposits?

We do offer various levels of support, for regular investors (< $ 10.000), we do offer support by email, for senior investors < $100.000 we assign a personal investment manager to assist the client with his needs and we offer 24/7 phone support. For
VIP investors > $ 100.000 we do offer support in person. This means one of our advisers will fly in person to the client to assist him with his needs.

17. What are your plans for the future? Do you plan to add more payment processors?

We do have various plans settled for future expanding. However these remain now in research/learning stage so until it’s time we won’t disclosure these. We did plan to adjust certain information on our website and include a so called blog on our site in order for our clients to easily follow news, updates and changes in an open environment.
Since we already take Perfect Money, Liberty Reserve and bank wire we don’t feel any expansion on this field is needed.

18. What makes sportarbs.com unique from other investment on-line opportunities? What are the main advantages you have over? Tell me a few reasons to join in your program.

SportArbs is unique in it’s kind due to the fact we use a self-developed and maintained investment environment in order to anticipate automatically on arbitrage betting.
We do offer a transparent and reasonable return, due to the credit/market crisis stocks, Forex or real estate won’t bring in profit. With our platform we offer a real, risk-free business to invest in and earn money from.

19. Question from Roman, admin nolimitinvestments.com service:
Would your automatic software work always? What about a summer time? There is less possibilities for betting

Our system has been tested for over a year. This did include indeed the Daylight Saving Time.
We can reveal we make use of the so called Network Time Protocol (NTP) in order to assign the correct GMT. This way our software won’t be affected by any time zone change.
During the summer there are an equivalent number of opportunities to perform arbitrage deals.

20. What is your opinion about money-monitor services?

We do respect the work as been done by money-monitors. However we do notice a close tie to the earlier mentioned HYIP project. We would like to distance ourself from such as it isn’t something we would like to be labeled/associated with.
Still we think it is good to point new investors at the risks of investing and/or investment programs and we do hope to contribute with some useful information for them.

21. Anything you wish to add yourself?

We would like to add that sportarbs.com is a really top-notch project where everybody can make an investment and earn a decent, transparent and reasonable return.
Now the stocks are dropping and other investment opportunities become risky we are glad to introduce the audience a new way in order to achieve an interesting financial return.
In case of any more questions don’t hesitate to contact our support division at:
support@sportarbs.com

Thank you!

SportArbs at Money-Monitor

1. Dear Sir/Madam, first of all please introduce yourself. What is your name and your position in the program?

Hello, my name’s James Torres and i’m a head of AvexTrade customer
support dept.

2. Are you a registered company, if yes, where is the company registered?
Can you show us your incorporation documents? Can I visit your office?

Yes, AvexTrade is officially registered in Belize since 2001, appropriate document you can find on our website . If you want to visit our office – you are welcome at any business day.

3. How many people are running your program?

Our team consists of 4 departments such as group of directors and
managers, group of analysts and traders, innovation dept. and support
group, totally 27 experts.

4. What is your opinion about the current financial crisis? Will the
current financial crisis influence for your program stability?

Honestly saying we don’t feel any negative influence of crisis on our
company. I think during this crisis weak and noncompetitive companies
will vanish, and we don’t have such plans. We’ve already survived 2001
crisis and have our own crisis-overcoming strategy. We work the same
and even more effective as we did previous years. Our investors feel
the confidence with our work, we pay without any delays and provide
the service to satisfy all needs.

5. One of the hyip rule states that if some program offer a daily fixed interest for a daily plan then for sure it`s a scam. How are you generating your returns to your investors? How do you reconcile your investment plans with your investment activity?

It’s not a secret and everybody who tried to trade on forex knows that
day income can reach even 100-200%. You can see that our offers
1.2-2.8% are absolutely real and possible. Our traders multiply
investors funds so that even after paying 3% daily (+0,2% if 100%
compounded) huge amount of money left. These money are used as
stabilization fund to protect investors right to withdraw money
available or even cancel the contract. This security states is our
guarantee that in any case we carry out our obligations.

6. What is your opinion about current situation of e-currency arena?
What payment processors do you accept?

In our work we choose only reliable partners to provide our service.
Nowadays among e-currencies LibertyReserve and PerfectMoney are the
most trustable, that’s why we accept these e-currencies. And of course
for investor’s convenience we also accept bank wire transfers.

7. Is it possible to withdraw my deposit before its maturity date?

Yes, of course, our investor can cancel the contract before it’s end,
but we notice that in this case cancellation fee is 25% of initial
deposit. (investor gets only 75% of deposit)

8. What protections against DDoS attacks do you have? Is investors
money safe in your service?
Where is the server located?

. We fully understand the importance of keeping investor’s money safe,
that’s why we use strong DDoS protection providers to preserve any
money losses. Our server is located in the USA . We guarantee that
working wit AvexTrade in absolutely safe.

9. What kind of support do you offer to your investors? Do you have
any special support for VIP investors?

We provide 24/7 e-mail, phone
support. We also have a group of managers who work with VIP investors
personally.

10. What are your plans for the future? Do you plan to add more PP
options?

Although we achieved success in our work and what we do we’re
not going to stop, we develop and improve our service. Our innovation
manager and his team are working hard to provide the latest technology
and services to our investors.
11. What is your opinion about money-monitor services?

We are fully satisfied with money-monitor services. It’s always
pleasant to work with professionals. Services they provide are
competent and high-quality. We hope for future co-working development.

Thank you!

Monitor details of AvexTrade program

Recently we have found a new managed Forex trading tool offered by PanaMoney Technologies, Inc. We could not help but get in contact with Mr. Fernando Montero, the President and Director of this company, to satisfy our curiosity and find out more about the trading system.

Q. Hello Mr. Montero. Please, introduce yourself and give us the idea of what your company has to offer to its clients.

A. Hi everybody. I’m Fernando Montero representing PanaMoney Technologies, Inc. We are pleased to offer the best in kind automated trading system allowing our clients to open managed Forex accounts on our website (WWW.PANAMONEY.NET) and by investing into the largest and fast-growing markets of the world to make the profits no other company’s are likely to offer.

Q. Could you be more specific about your company? How long has it been in the business?

A. PanaMoney Technologies, Inc. is a legally registered company with its principal place of business in Panama City, Panama, but as our business involves Forex trading and Internet our commercial interests spread far beyond any specific territory. Our actual address in Panama is 50th Street, Global Plaza Tower, 19th Floor, Suite H. PanaMoney is a rather young company, registered in March 2008, but it was established in order to unite the best professional skills and knowledge, large experience and enthusiastic efforts of our highly motivated employees who wanted to be a part of something new and contribute to the development of managed trading worldwide. They all, as well as I, have been in this international business for 5 years at least.

Q. How big is your company?

A. As we are still rather young as a company we currently have 23 employees who all are the core elements of the company. We go for the efficiency rather that size, so it’s better to have a few responsible and highly-trained professionals than many unskilled employees. But it does not mean we will stop on these 23. We have rather huge plans for the company’s prospective development, including human resources issues, and we are open to all new talents who have something to offer to the company.
We provide career opportunities to those interested in mathematics, finance, programming and communication with clients and who can work in our departments: Finance, Technical and Software, Marketing and Customer Support. Currently we have 7 market analysts who trade for the company, 8 technical and software professionals, 5 employees in Customer Support and 2 in Marketing.

Q. Today there are quite a few options for those who want to invest in Forex. What is so unique about your company? What advantages do you have?

A. I would say that there is a lack of good systems that can bring real and stable profit to their clients. We are the one that is client-oriented meaning that we make our clients’ money work as we do our own. In addition, we do it the best possible way and through a user-friendly interface. All our advantages come together in our unique trading system, which include:
• Transparency: our clients can see the company’s trading history as well as the history of all transactions they make. That is what makes us unique compared with other managed Forex trading companies;
• Live real-time trading so they can monitor the market situation and our entry thereto;
• Selection of a currency pair to trade: the clients choose the currency pair to trade so they can take the maximum profits of the currency with the best results on the market ;
• Profits paid daily: the interest earned during the day goes to the clients’ accounts on the next day.

• “No loss” guarantee: no loss from the negative trading results is deducted from the clients’ accounts; all investments are insured with PanaMoney Safety Fund;
• Beneficial referral program: we pay 5% live-long referral commission from every referred client’s investment and reinvestment.

Q. Sounds very promising. Could you tell us more about the “no loss” guarantee, how does it work?

A. As I said it means that no loss is deducted from the client’s account. When at the end of the trading day the company’s trading results were negative (sometimes it can happen), all losses are covered by the Company, but not our clients. Especially for such purposes, we have established the Safety Fund formed from our profits and ensuring our clients’ deposits remain safe. So the client, no matter how big his/her investment is, just can’t have any loss when trading and risks only his/her interest, but not the deposit!

Q. For many on-line companies the security issues are very urgent. How do you secure your clients’ accounts?

A. PanaMoney uses the latest advanced technologies to secure our clients’ accounts. Our website is DDOS and SSL protected and hacker-proof. Our clients can use SRK keyboard to prevent keylogging their password when logging into account.

Q. Talking more specifically. What profits are we talking about? How much can your clients make?

A. The possible earnings depend on the invested amount. Our clients can choose from a number of investment plans PanaMoney has to offer for the period of 16-180 trading days.
When investing 30-49 USD the maximum interest per day is 0.5%.
Investing of 50-99 USD can bring the maximum daily interest per day of 1%.
100-999 USD can make 1.3% daily,
1,000 – 4,900 USD can make 1.6%
5,000 – 9,999 USD – 1.9%
10,000-14,999 USD – 2.2%
15,000 – 19,999 USD – 2.5%
20,000 or more can bring the maximum of 2.8%.

All percents are paid to our clients daily! You can find more details on our website – www.PanaMoney.net.

Q. What are the minimum and the maximum to invest?

A. At first, I’d like to say that a client can deposit as little as 1 US dollar to his/her PanaMoney account, but to make the money work the client should invest at least 30 dollars to open the Trial investment plan. We also provide an opportunity to invest by bank transfer. In this case the minimum is 5,000 USD. There is no maximum limit for bank transfers as well as electronic payment systems.

Q. Speaking of electronic payment systems. Which ones do you use?

A. We are not anyhow associated with any electronic payment systems but we use Liberty Reserve and V-money to make transactions with our clients. In the future we may consider the company accepting other electronic currencies. And as I have already mentioned, we accept bank transfers after the client is validated and signs a contract with our company.

Q. How can the client withdraw his/her profits?

A. It is easy: the client can request withdrawal from our website at any time. When the money on his/her account is not invested into any investment plan (they are the interest earned, deposited but not invested, referral commission or other) they can be withdrawn any time. However, there is a limit for withdrawals via bank transfer stating that the minimum to withdraw via bank transfer is 1,000 USD. The clients should also remember that invested amounts can be withdrawn only when the investment period of their investment plan expires, otherwise, they will be charged with an early withdrawal fee to cover the company’s costs.

Q. You say your system is easy to use, but what if a client has questions?

A. I also said that we are client-oriented. To this end, we have live Customer Support available to provide our clients with timely answers to any of their questions. Besides, clients can submit a ticket to the support, e-mail or send a message through a contact form on our website. Actually we always look for our clients’ feedback because it helps us to improve the work we do.

Q. What about phone support? Do you have one?

A. For now we do not provide any phone support. As we have just entered the business we are rather limited in our human resources and taking into account all available options to contact the company allowing the clients to get immediate answers to any of their concerns, we ended up with having on-line support. However, our plans do include the establishment of a large 24/7 Call Center to provide customer support. But it will take time to find and train the staff for the function.

Q. How can clients monitor the trading sessions?

A. PanaMoney offers the advantage of watching live real-time Forex trading sessions on-line by providing Forex charts for four main currency pairs we trade with. There, one can see the current price as well as the point our trading session started at. A special chart shows our profits during the trading session. Additional information is available on our website. The transparency of our trading sessions and profits is what makes our company unique compared with other managed Forex trading companies.

Q. And what about the trading results?

A. The transparency policy implemented with our company stipulates we show the results of every day trades. The exact profit we made for the day per currency pair can be found on our company’s website, so everyone can see and estimate the profits they will receive to their accounts.

Q. Can clients reinvest their profits and how can they do it?

A. Every day our clients receive their profits to their accounts. They can open a new investment plan to make the money bring even greater profits or they can combine the existing investment plans into one meaning two or more plans will be added together becoming a greater investment.

Q. What extra opportunities to earn money does your company offer?

A. As our clients are of fundamental value to us, we are interested in creating attractive conditions providing more options for making money. One of the options that meets our clients’ as well as the company’s interests is our referral program which pays 5% referral commission life-long for all amounts invested or reinvested by every referred client.

Q. Your description of your company’s business was rather detailed. Is there anything else you’d like to add?

A. I would encourage everyone to visit our website and find more information about the company and its business. Unfortunately no interview can show all benefits of trading with PanaMoney Technologies, Inc. compared to the real engagement with our Company.

I personally would like to add that creation of PanaMoney has been my best and the most rewarding experience and the company’s main principle is to achieve the best balance between its commercial interests and personal interests of its clients.

Question 1: Brian Krassenstein, you, as the leader of Talkgold forum and with more than 100,000 members and 14,500+ subscriptions, what is your goal?

Well, as many people are unaware, Our parent company sold talkgold back in November of 2008, however I have still remained on for the time being as the forum manager. As part of the current management team, I know the owners are looking to expand the core discussion of talkgold into just about every online money making field there is. This will happen over the next 12-18 months.

Question 2: What features do you plan to add to make your forum more attractive to your members?

There will be new folders added in the coming money, as we try and direct Talkgolds attention into a more stable atmosphere. We will try and give away more cash prizes in our cash folder, as well as team up with some of the more lucrative affiliate programs out there to give members some opportunities of their own.

Question 3: Please tell us more about your new project: “Team Earners” (www.teamearners.com). What was the reason to start this service? How is going your project? What is your further planning?

TeamEarners.com was created in partnership between, Myself (Brian Krassenstein), Bradley Pancrose, Richard Gremus, and Edward Krassenstein. The idea was to provide a group in which like minded internet entreprenuers could have a hub for all the latest internet earning strategies and share their experiences for a price, anyone can afford. $13 per 6 months. Teamearners is off to a great start with close to 1000 members and growing.

Question 4: Are you still owner of Talkgold forum?
I read on this site: Emprezio Inc, Brian Krassenstein, and Others Make Large Website Sales that your forum was sold to Akmed Malakar. Can you confirm this information?

Yes the forum was sold to an outside group who owns several large internet based forums. We can not give too many details because of a non-disclosure agreement we have signed. The new owners have the best interest of the memberbase at mind and will run the forum in an honest fashion.

Question 5: I read on internet blogs some accusations directed to your person. Some people accuse you that a few domain names were stolen by you (Brian Krassenstein).
Can you explain to my readers what is nature of these indictments? Is it possible that some people try to ruin your good name? If yes, what is the reason?

Over the years, almost 5 years of running Talkgold, I have met a lot fo great people. Unfortionately in the High Yield investing industry there are hundreds of scammers. You ban one from your forum and suddenly they go out and write all kidns of crazy stuff about you. About the stolen domains….. I am a domain name speculator. I own over 1700 domain name. Back in February of 2008 I purchased a portfolio of several domains, just one of the probably 100+ portfolios I have purchased int he last year. It happened that this portfolio I bought has several stolen domain names in it. Once I found these names were stolen I immediately gave them back to the original owner, despite a financial loss I had to take.

Question 6: Hyip and autosurf arena is not so popular like in the past. After fail of such popular programs like 12DailyPro, Studiotraffic or PIPS (People in Profit System or Pure Investors) people are more prudent and associate hyips as a scams. What do you think about the future of hyip arena?

I have been saying the arena was going to die for years now. It always surprises me and makes a comeback. It is ashame there are so many scams out there. If only a couple legitimate programs would launch then the arena would thrive in my opinion. I don’t see it dying. HYIPs are not much different then casino gambling. There are always people willing to take risks for the big payout.

Question 7: Did you register your account on Switchbladeip forum as a “BK1981″ member? This member was pretending to be Brian, owner of TG forum. He posted on Switchbladeip.com that:

That is my username, but the owner of the forum edited my post to make me look like a thief. I would never post anything like that.

Question 8: code4gold.com administrator on his blog and his forum linked Idetrorce spam bot attack to your person. What is history and your relation to Idetrorce.com website?

Idetrorce was a virus that I saw that people were searching for as a web trend. What I did was register the domain and I had planned on putting up an anti-virus protection tipbook for those infected with that virus. Because that guy claimed I was somehow involved I just let the domain drop and never went forward with my plans.

Question 9: Your ex-moderator “los” has posted on code4gold forum: “TG being a criminal enterprise”. Do you agree with him? Do you plan to make your forum more unfriendly for scammers?

Los is an ex mod banned from talkgold. Read question number 5.

Question 10: Did you ever run a hyip or have you been a part of hyip team?

No I never ran any hyip. Back 4 years ago I was an advertising manager for weeklygold. The owner Mario Degryse ended up being a scammer himself. Since then I promised myself never to get myself associated with any hyip including investing into them in any way.

Question 11: What is your opinion about www.money-monitor.com service?

I like it. It is a breath of fresh air. There are too many monitor sites which look the same. Money-Monitor is unique and looks to be run by honest hard working people. Good job guys.

Question 12: Is there anything else that you would like to add that I didn’t ask about?

I just want to say that anyone investing into HYIPs should in fact look at it as a game of poker. Plan to lose your money, however understand you can also make money. Never put your eggs in one basket and always do your research.

Thanks for the interview!
Brian Krassenstein

Thank you for the interview. Interviewed by Money-Monitor Team.

Interesting links related to this interview:

Brian Krassenstein & Edward Krassenstein

Question: How did you come with the idea of opening your investment program?

Answer: Established in 2003, Olympex Group IBC is now proudly serving a growing international client base from 41 countries. In early 2008 we made a decision to create an investment platform that would make online investing more convenient – www.olympex-group.com is its result.

Question: How many people are running your program? Are your traders licensed?

Answer: We employ over 25 people including 9 investment professionals.

Question: Are you a registered company, if yes, where is the company registered? Can I visit your office?

Answer: Olympex Group IBC is a registered UK-based investment company. Feel free to visit us at 18 East Tenter Street London E1 8DN, UK.

Question: What about your investment plans? Do you offer a fixed or variable interest?

Answer: Olympex Group offers a broad spectrum of products and services to consumers, small businesses and commercial clients. Choose one of four investment accounts with fixed interest rates.

Question: How do you generate profits for your investors?

Answer: The company substantially deals with stock market, property and other infrastructure assets. Since year 2003 we have developed a lot of profitable trading schemes which bring success to us and our clients. Constant increase of OG IBC’s market capital allows us to put fairly high ROI for our clients to win the competition race.

Question: Can you show any proof of your trading results to public?

Answer: Yes, we are planning to publish company’s activity statistics shortly.

Question: How could we know that Olympex-group program is not a ponzi-game?

Answer: Olympex Group provides initial deposit insurance for all investments and Bank Guarantee for investments over $15,000 worth. We have more than $5 million in total deposits because of the level of trust we’ve built with our customers.

Question: Your domain is placed on the same IP that Roro44.com – Islamic site. What is your relation to this page?

Answer: We are not anyhow related to Roro44.com. Most likely this site is protected by BLOCKDOS.NET as well. That’s
why reverse IP search may point to this site.

Question: Are your WHOIS search results a real? I found that your phone number (+44.2072960001) and address are used by Portland Office Group Ltd. Can you explain this?

Answer: +44.2072960001 is not our phone number, there is a mistake in whois record and it will be fixed shortly. If you have a question, please call or send us a fax message to +44 207 900 3834

Question: What is your marketing strategy to develop your program?

Answer: We are planning to go private within one year when we get enough customers to work with.

Question: GDCA (Gold Digital Currency Association) published a warning about e-bullion payment processor fraudulent practice on their official website. Do you think that it is safe to accept e-bullion deposits in your program?

Answer: We have never received a single complaint from our customers regarding this e-currency. If we find out that e-bullion is unreliable, we’ll stop accepting this e-currency and convert customers’ investments into another e-currency.

Question: Similar question about e-gold, as you probably know swarms of e-gold clients are posting complaints that their e-gold accounts have been blocked. E-gold is a payment deposit option in your program. Do you plan to accept e-gold in the future?

Answer: Same as e-bullion. We are not planning to stop accepting e-gold.

Question: What protections against DDos attacks do you have? Where is the server located?

Answer: We have recently implemented powerful AntiDdos solution provided by Blockdos.net. Our server is located in Europe, database is encrypted and we make daily back-ups to avoid data loss.

Question: What do you think about our monitoring money-monitor.com?

Money-monitor.com provides reliable and independent monitoring service.

Question: What are your plans for the future?

Answer: We are doing our best to make online investment easier and more convenient. Several new implements coming soon.

Question: Anything you wish to add yourself?

Answer: Do not hesitate to contact us if you have any further questions.

Thank you for the interview. Interviewed by Money-Monitor Team.

Visit Olympex Group IBC site

Monitor status: Not monitored