_ _ ___ _ _ _ _ _ | | | |_ _| | \ | | _____ _____| | ___| |_| |_ ___ _ __ | |_| || | | \| |/ _ \ \ /\ / / __| |/ _ \ __| __/ _ \ '__| | _ || | | |\ | __/\ V V /\__ \ | __/ |_| || __/ | |_| |_|___| |_| \_|\___| \_/\_/ |___/_|\___|\__|\__\___|_| --------------------------------------------Issue 14- HYIP NEWSLETTER - stay up to date in the hyip world! http://www.hyipinvestment.com http://www.hyipdiscussion.com ----------------------------------------------------- DISCLAIMER: All information in the HI Newsletter is neither an endorsement nor a solicitation of any sort and cannot be considered as a promotional offering. We do not provide free professional consulting on investment options or personal assistance with recovery of deposited funds. ----------------------------------------------------- Complete archives of the HI Newsletter are now available at the following URL: http://www.hyipinvestment.com/newsletterarchive.php ----------------------------------------------------- in this issue: 1. News on most popular programs 2. Scam Warning: Pajama Income Network 3. Sharing HYIP Experience (Part 2) 4. Program Snapshot: CG Financial ----------------------------------------------------- News on most popular programs PIPS (People In Profit System): All websites of PIPS, inc have been taken down for an undetermined period of time. A professional financial consultant from the UK is currently working in Malaysia to improve the present situation. No merchant is currently accepting PicPay as a method of payment. According to unofficial information, Bank Negara (the Central Bank of Malaysia) has supposedly conducted a raid on PIPS offices, with cell phones and computer equipment having been confiscated. We strongly encourage our subscribers not to contact us with questions about PIPS - instead, feel free to visit our forum at http://www.hyipdiscussion.com/pips-pureinvestor.html and discuss all relevant issues there. Global Mutual: GM has been receiving plenty of criticism from its investors regarding the program's unsatisfactory customer support service, handling members' e-mail inquiries. Here's what one of the program's investors has got to say in reference to this problem: "I've been a member of GM for a few month, and apart from the support I have had no problems with them. Just recently they changed the currency exchange tool, so that it is no longer possible to withdraw Stormpay-funds to e-gold. They don't inform anybody of this, and it sucks. The main problem is that the payment to Stormpay is done manually by them, and is pending for weeks or month. Again an example of the bad support. I have tried to mail to Kymmer and left messages to support, but no answer. Fustrating. My advice is, only deposit by e-gold, and don't expect any help from anybody there. Also the forum is dead, nobody posts there because there is no reply from admin, moderator or anybody else. Communication wise this is the bottom." StudioTraffic: ST has imposed a new rule, which has been confirmed with LHD personnel by one of HYIPDIscussion members. The regulation becomes effective since August, 2005 and addresses those members using StormPay as a method of payment. According to it, members can only withdraw thier earning 30 days after they have made thier last upgrade from outside funds last month. The purpose behind this rule is to prevent chargebacks and cheating among StormPay members using StormPay. Reality Millions: Many of RM investors are still unable to access their accounts. The latest update from the program's administration claims that members will be able to log in accordinly in the order they sent in their DD's and have been verified. An e-mail message will be sent confirming the completion of one's account verification. You can discuss these and many other programs with fellow high-yield investors on our forum at http://www.hyipdiscussion.com ----------------------------------------------------------------------- Derrik, a senior member of HYIPDiscussion forum, has posted the following scam warning about Pajama Income Network on his website (www.getacashcow.com): "Administrators of the Pajama Income Network, Jane and Jen are two extremely dishonest people. They scammed thousands of people out of money from their failed auto surfing program called TopGunTraffic. Many members upgraded their Top Gun Traffic (TGT) accounts by paying thousands of Dollars to the PIN Corp and never ever withdrew a cent, to be paid out only 30% of their actual initial upgrade or investment in the scam. Jan and Jen ran off with the rest to help perpetuate the ailing PajamaIncomeCycler!!! The Pajama Income Network (PIN) should be avoided at all costs. It is only a matter of time before this program also closes or stalls, leaving members once again, out in the cold. Everybody was under the false impression that these people were honorable, but they have finally shown their true colors. PajamaIncomeNetwork will be the next one to go, leaving all it's members or "PINHeads" as they are known, high and dry with Business Building Centers (BBC's) that will never escalate or cycle. UPDATE: In response to the above message, I have just received the following anonymous email from someone who obviously has a vested interest in PIN, and who would like to see people keep on paying money into this scam so he or she can retrieve their investment. This is nothing less than reprehensible!!!!: "I'm sorry but what you are blasting on ST about PIN is absolutely wrong & I wouldn't be surprised if you don't get sued for it. PIN is NOT a scam. TGT wasn't going to survive & they closed it before too many were hurt too bad. There are many many reports of refunds into the 56% of initial spends. That is a lot more than I can say for the tons & tons of scams that are out there & stealing money right & left from people making no effort to refund. You also can't call them scammers when they are refunding people the best they can. A scam takes your money & runs with it.......... They don't refund & continue to pay out on the working program. I can give you a list of scams if you want to see what they look like. TGT & PIN are 2 separate programs & to bash PIN because TGT had to close is unacceptable. PIN is paying & working as promised. You will find you are alienating a lot of members by what you are posting. PIN cannot be considered a scam when it is & always has paid out. You should post an apology to PIN." Well, I just want to say that when Top Gun Traffic (TGT) members upgraded their accounts, all upgrades were paid via the different payment processors to the PIN Corp and not to TGT. Most members only received back a small portion of what they upgraded with PIN. NO, I WILL NOT apologize, Jane & Jen are both scammers. As they own and run PIN Corp, one can only conclude that PIN IS A SCAM, and should be avoided at all cost. After all it was PIN that stole our money, not TGT. We all paid PIN to upgrade our TGT accounts. Also, all along the way, Jane & Jen from the PIN Corp kept on sending out positve posts and messages about how well TGT was doing. While, the truth be told, it was in fact dying, yet they kept this from members and misled them. They continually put a positive spin on things to entice people to upgrade further, so they could siphon off more funds into the ailing PIN program. People, be warned! Stay away from this or you will also get burnt as were thousands of Top Gun Traffic members who paid money to PIN. Most were only paid back a measly 30% of what they paid to the PIN Corp. Anyone taking umbrage to this, can only be a PIN member, who knows in his or her own heart that what I write here is the truth. By trying to perpetuate this scam, you are only serving your own interests and you are not thinking of others. You should not try to profit from other people's misfortune. THIS is wrong! We should try to save other people from losing money. It is not wrong of me to post the truth. Anymore emails to me about PIN? I will post them here. Feel free to contact me! I have also ascertained that almost right up until Top Gun Traffic was closed by the PIN administrators, Jane & Jen were writing to members saying that TGT, would last a long time yet. Please don't take my word for it, have a good read about it here from people who have either been scammed or have lost money through these ladies ineptitude in running a program. Top Gun Traffic did not even last 4 months. If you are crazy enough to entrust your hard earned cash to the same people in the Pajama Income Network, then, I am sorry for you." ----------------------------------------------------------------------- Sharing HYIP Experience (Part 2) (in co-operation with http://hyip-navigator.com E-magazine) -HYIP Basics: what to start out with? So, if the "yes" qualities are predominating in your case and you decided to take the risk of choosing the way of an "HYIP-Investor", I will share some thoughts with you. . What to start out with? First of all with studying the theoretical aspects: visit various HYIP forums, read articles and recommendations; listen to those who already have significant experience in this field. Don't hop in without conducting a preliminary research. Our website HYIP-Navigator.com will help you with it: read different articles from our E-Magazine, interviews with well-known people of the HYIP world, familiarize yourself with program reviews, read our book on investment advising, visit the forums HYIPDiscussion (www.hyipdiscussionforum.com) ? TalkGold (www.talkgold.com/forum). Try learning from the mistakes of others - not from the ones you make. . Initial capital Don't believe that it's enough to have a couple of bucks for HYIP since many programs have the minimal investment amount set to $1-$5. If this kind of money is at your disposal, you'd better visit the nearest café and have a bottle of beer. You can start learning with the amount equivalent to $100, and the minimal amount for investing with the purpose of receiving some significant income should be at least $1000. Finally, keep in mind the golden rule of an investor: deposit only what you can afford to lose with no harm to yourself and your family! . Diversification of funds As you already know, the second law of an investor says: don't put all eggs in one basket - in other words, diversify your investment portfolio. No matter how reliable a program seems to be, do not deposit all money into it, spreading it between 10 more or less reliable programs instead. Five of them will most likely close down in the near future, and the remaining five will provide you with the desired income. . Account safety Take extensive security measures: install the newest versions of anti-virus software, carefully familiarize yourself with safety rules for E-gold accounts and follow them. Hackers and other online crooks and thieves don't sleep! Remember that your carelessness may cost you your money. -Life stages of HYIP Prior to depositing any funds, you should conduct your own investigation on the program you have chosen. Here's the main misconception of newbies: if a program is around for a long time and holds top places on monitoring websites makes it look very reliable and safe. This is wrong. You are taking the risk of finding yourself at the bottom of a financial pyramid, since old programs are most likely to be on the verge of closure. For this, learn to estimate approximate terms of HYIP life and try looking for the date of the project's commencement by its WHOIS data or the time it was first mentioned on monitoring websites and forums. Also, keep in mind that 99.9% of online investment projects are no more than mere pyramid schemes (also known as "ponzies"). That's why you shouldn't believe statements on their websites declaring the program's involvement in FOREX trading or betting. Ponzies pay you from the deposits of new investors as long as the influx of new funds exceeds the total amount of payouts. Life of a program can be split into several stages: . Stage I: A program has just opened, pays everyone, all investors are happy. A huge influx of capital is taking place. There's almost no withdrawal requests, since most members either accumulate funds on their internal accounts or re-invest their interest. This is the most feasible stage for entering a program. However, you can anticipate some danger here. If a program's website is of a very high quality and a massive advertising campaign has been conducted, there is a risk that a huge influx of capital will occur (the violet line), leading to a fast closure of the program, since the administrator will choose to run with the money instead of making interest payments to the program's members. This phase can be determined by examining the program's statistics. If a program is fresh, but multi-thousand deposits are indicated in the statistics - it's either fake or the program is on the verge of collapse. . Stage II. If a rapid influx of capital didn't take place at the initial stage, HYIP will continue functioning and paying you for a relatively long time. This is the most stable stage: the program grows, deposits gradually increase, few withdrawal requests are made. . Culmination. However, as time passes, the scale of withdrawal requests increases more and more. At the same time, the influx of new capital remains at the previous level. Once the amount of funds in withdrawal requests approaches the total amount of new funds being deposited, the critical moment of culmination comes, which in 99% of cases results in a collapse of any program, having no real base under itself. The administrator closes down his pyramid, receiving income, equal to the difference of deposited and withdrawn funds for the moment of closure. . Stage III. In case the program keeps functioning and remains open after the critical moment, two things are possible: you are either dealing with an honest and real high-yield investment venture - one of the very few online, or some commercial trick has taken place (fake statistics, introduction of new advertising plans, promising crazy income, "going private" having been announced with the purpose of making old members increase their deposits). In any case, this stage is the sunset of a program, and if you haven't lost anything yet, it would be a good idea to get out with your money as soon as possible. . Special case. Certain extraordinary circumstances can be considered as "special case": e.g. a program's website has been hacked or a DDOS attack has taken place. They are most likely to cause the increase in withdrawal requests made by scared investors, leading to the collapse of a program. (To be completed in the next issue of the HI Newsletter) ----------------------------------------------------------------------- Program Snapshot: CG Financial -Program Overview CG Financial is a professional investment and brokerage company, providing its clients with an opportunity to derive income from expertise-based high-yield investments. The company's direct involvement in securities, futures, and swap markets ensures regular returns for its investors due to a well-managed and diversified portfolio. Deposited funds participate in stock markets under the supervision of experienced professionals, generating consistent passive income for the company's investors. In order to secure the clients' deposits, the company is using a "Stop-Loss" strategy as one of the main features in its risk management policy. Due to CG Financial acquiring an offshore corporate registration in Nevis, the company's financial activity is not subject to any sort of taxes or tariffs (such as income, capital gains, withholding, inheritance taxes or estate duty). As a result, the returns the company offers are much higher of those offered under traditional investment plans. The company's Certificate of Incorporation is available at the following link: https://www.cgfin.com/package/CGfinancial/2.CGdocs/certificate.jpg. In case a client requires more documentation, it will be presented upon signing an NDA (Non-Disclosure Agreement) with the company. -Business Concept The minimum deposit requirement is US $100, with no maximum being currently fixed. Funds can be deposited using electronic currencies (E-gold and E-bullion). The investment duration is 6, 9, or 12 months (depending on a fund). The return rates vary from 1.5% to 3.25% weekly and depend on the investment plan a client has chosen (consisting of the amount of money invested and the duration of investment). Prior to making a deposit, all members are required to open an internal account on the company's website. Withdrawals are processed within 24 business hours upon a client's request. The program also pays one-time referral commission for every new investor who has signed up under your referral link, which is available in your member's zone upon registration. -Website and Customer Support CG Financial operates a highly professional website with an authentic "Comodo" security certificate (SSL) being used to secure any information being transferred. An extensive system of internal online accounts has been implemented, where you can view your statistics (such as current account balance, deposit and withdrawal history, referral commission etc) as well as conduct any transactions with your interest. The accounts are protected by a password and a turning number, which can be entered only manually to prevent unauthorized access of your funds. The company's customer support can be contacted via a secure online form on its website, with a response being provided within one business day. Alternatively, you may use the company's mailing address in Charlestown, Nevis. -Our Opinion The admin of CG Financial has provided us with all the necessary registration documents (as it has been mentioned above, they can be presented to any client upon signing an NDA with the company). The company's online program has been in operation for quite a while and no failures occurred during this period. Taking into consideration the high quality of the program's website, transparency, and high level of responsiveness to customer inquiries, we tend to expect the company's further progress in the future. ----------------------------------------------- If you are an admin of an investment program and would like it to be reviewed in our newsletter, feel free to contact us by e-mail at bravehoststamps@yahoo.com ----------------------------------------------- Bravehoststamps (bravehoststamps@yahoo.com) HI Newsletter