El día de hoy, el equipo de GNI nos ha vuelto a mandar otro comunicado en el cual nos informan de algunos cambios menores en su reestructuración, así como también de otras novedades.

Leer Boletín

Issues to be addressed:

1. (new) Conversion of funds from the monthly to the Premium Plan

2. Sequence and Order of Payments to be Made Feb. 01, 2010

3. Charitable Giving - Holidays, 2009

4. Issues with StrictPay.

5. Adding of new payment processor: Global Digital Pay



Greetings Once Again Loyal Friends & Associates of GNI:

In our ongoing effort to keep all of you informed we give to you our fourth Newsletter of the Calendar year 2010. What an exciting, certainly eventful, year it is appearing to be....


1. Converting Members Deposits from the Monthly to the Premium Plan(s)

As all of you should know, I have spent a great deal of time over the last couple weeks in the forum, reading emails and as much as possible, responding to the questions and issues that many of you have. These questions range from the mundane to the unattainable, along with everything else thrown in the mix. The issue which stands out amongst all the rest is member's desires to monetize their current (and new) holdings into the premium plan which will allow them to earn the higher interest rate characteristic of the better plan.

Therefore, those customers whose aggregate total exceeds $21,000, whether it is the result of one deposit or a successive series of deposits comprised of new money, interest payments or previously rec'd referral commission, will begin receiving the higher rate on ALL deposits made after the script recognizes the deposit. The script will recognize a deposit for consideration into the higher plan following a payment of interest. While this may appear complicated, it's not.

I will give a couple of examples:

Example A - Customer Lam
Customer Lam has four active deposits; three in the monthly plan (a deposit for $5000, one for $10,000 and one for $15,000) and one in the premium plan ($21,000). In Feb, Lam receives 16% on his three deposits which did not, individually, exceed $21,000, but will (the higher 20% interest) on his single deposit for $21,000.

As a result of our recent decision, beginning in March, Lam will receive, because his deposits, collectively exceeded 21k, the higher rate of interest on all his deposits and on any subsequent deposits including interest payments until his 14 months has expired on his 21K deposit which would bring his cumulative total back under 21k, reducing his remaining deposits to the lower 16% for the remainder of his active deposits, unless he added to his account bringing it back up over the $21,000 mark.

Example B - Hausfrau
Hausfrau isn't as financially savvy as Lam but has nevertheless, three deposits and wants to make a new one. Her current deposits are each $5000 with interest being awarded on Feb. 17th, 18th and 19th - collectively totaling $15,000; she has not added her new deposit (after having found lots of nickels, dimes and quarters in the laundry) of another $5000 because she's blond and forgot to do this (she was working on her taxes she forgot to do over the last 3 years, instead). In February, Hausfrau will earn 16% on each of her three $5000 deposits; ($800 on the 16th, again on the 17th and finally $800 on the 18th - 30 days after the recorded date of the deposit).

GNI Hausfrau now has $17,400 in her GNI account (3x $5000 principal + 3x $800 interest). All of these funds continue to earn at the 16% rate. GNI Hausfrau looses her blond hair and remembers to deposit her nickels and dimes with her favorite PP, $5000 with SP who successfully adds this to her GNI account. Hausfrau would begin earning 20% on this deposit. She would not earn 20% on her other deposits because the script, as previously stated will not recognize a deposit for consideration into the higher plan until AFTER the next interest is paid.

GNI Hausfrau's three $5000 deposits would begin to start earning the higher rate of interest as soon as the interest is awarded on the 15th, 16th and 17th.

All subsequent deposits would earn at the higher rate (20%) as well, until the deposits began to expire (following the 14th month / cycle). Once the aggregate total amount of deposits fell below $21,000, she would then earn the lower rate of returns.

NOTE: the resemblance of these examples to any known GNI staff person is purely coincidental :)

We are currently implementing this new feature and as from mid next week new deposits (incl. reinvestments of interest) will automatically added to the 20% plan, if the total deposits equals or exceeds $21K


2. Schedule for Payment Requests and Payments for February, 2010

While it had originally been our intention to pay members on a first-come, first-serve basis; this is seemingly unfair to many members while lending itself to the very real possibility of a server overload / crash and less than desirable ramifications including the inability to get anyone paid; a distraction we neither want or need.

Therefore, we have decided to modify the original plan and in its place provide the means and method to select the particular GNI payee based on a random selection of GNI account IDs.

We will be using a random number generator to select the payment date of your interest payment.

A random number generator is a computational algorithm tasked with generating a group or sequence of characters lacking any discernable pattern.

In other words, you will be paid at some point between the 8th and 28th of February. When you make your withdraw request has NO impact nor will it influence in any way when you will actually receive your funds.

The procedure to withdraw your funds is no different than it was prior to the reorganization, therefore no explanation is warranted in this Newsletter.


3. Final Totals for the Charitable Recipients - 2009

Uganda4Life
$43,158.48 with 387 donations

Kids4Life
(some additional due diligence is being conducted prior to the release of funds)

A couple comments are appropriate as some of our client base truly stepped up in support of the effort these charities and their participants give trying to help those persons who are least able to help themselves, orphaned and / or sick children.

a. GNI has roughly 11,000 funded accounts.

b. A total of 971 separate donations were made.

c. Assuming no member made more than one donation (which is patently erroneous, every member that I am aware of made multiple donations to both charities), roughly 8.8% (call it 9%) of our customer base contributed to the survival of children in parts of the world that are subjected to conditions we couldn't even pretend to fathom.

To those 9% who sought to help the helpless by donating we embrace you and your efforts; are proud to help you achieve some of your monetary goals you have set for yourselves prior to joining GNI.

To the 91% of the GNI membership who chose NOT to participate, we are confident you have found a charitable organization better suited to your tastes and interests. We, likewise, are proud to help you achieve your monetary goals you have established before coming to our project.

Consistent with our reorganization plan which, out of necessity demands the program is restored to its previous financial strength, a decision encumbered on monetary health of the program, fairness to the customer base, the intent of the donors and the needs of the charities was reached to ascertain the most practical way to distribute the funds to these fine causes.

Uganda4Life will be receiving 4 payments of equal amounts spread over four months beginning the first week of February and concluding the first week of May, 2010; predicated by the total amount reflected above.

These payments will be made to the account of their choice as determined by the appropriate person with authority to make this decision. All transfer information will be made available to those individuals who have a vested interest in either the payment process or that charity in particular.


4. Issues Currently Affecting StrictPay

The following update has been provided by Strictpay to and for its clients:

Customers

Our support staffs have been contacted numerous times asking if we are having "money problems" or "cash flow issues". We are not having any money problems at all, but we have recently had to move very large amounts of funds to different bank accounts. When moving large amounts of funds to the new bank accounts, they have put a hold on the funds for a certain time frame, and this has caused us major delays as these holds can last 15 to 20 business days. We thought it would be best to send an update to all customers, even though it will be lengthy. Please take the time to read this entire message carefully, as we believe it will answer some questions you may have.


Banks in the United States do not like doing business with any type of company that they feel are processing payments as a third party processor, or are acting like a bank in their eyes. This issue, as well as numerous other over-regulatory and intrusive U.S. banking issues, has caused problems for our contracted agents. This has become an increasingly problematic issue over the last few years as we are sure many of you know, and thus has made all U.S. dealings that much more difficult to deal with. This of course affects some aspects of our business, with the most obvious example being the ability to do ACH transactions for our U.S. customers.


These U.S. related issues were why we recently made one of the banks we have been dealing with for a couple of years a public option to withdraw and deposit funds for our customers. We thought this would be a rather quick solution, but very soon realized that they could not handle the mass volume of daily transactions that our customers complete within the time frames that we have promised in the past. We also had some customers tell us that their bank wire instructions are far too complicated. This issue caused many of the wires to be completed incorrectly by some customers or their banks, and these funds would then be sent back to the sender after a 7 to 10 day hold. These issues, as well as others, made us realize that we needed to find completely new banking options that could handle both the high volume and the processing time frames our customers had become accustomed to.


Having then changed to another bank caused us more delays, as we again had to move a very large amount of funds that were subject to their hold times. Once these funds started getting released to us, you could see that our outgoing wire time frames got much better again, and are now in the 2 to 4 business day range. These 2 to 4 business days will now be our normal time frame for bank wire withdraws. Incoming bank wires are also getting to us much quicker now with this new bank, and we have been told by many customers that the new bank wire instructions are much easier to understand as well. With the difference in time zones, and also the varying locations and banks that the funds are being sent from, a bank wire can take 1 to 5 business days to reach us. We are seeing that in most cases they will reach us within 2 business days, but we must state the time frame for bank wire deposits as 1 to 5 business days to cover all situations.


We have also recently had the first loading delays ever with our debit card platform since it was setup in June 2009. The new bank that we are sending the debit card funds from is having an issue that they need to get worked out with the receiving bank, and once they get this issue taken care of we will then start loading major funds to that account so that you can get your funds in the proper time frames once again.


Our number one objective is to make sure that your money is safe, and this is why we will take very calculated steps before we offer any new funding or withdraw options. We have many things that we are working on behind the scenes to make sure we can once again offer many different funding and withdraw options, but these things will likely take many months to complete. We have other banks that we have held accounts with for years, and we are also looking into what services they may offer us in regards to more of a public account with them. Keeping our customers funds and information secure and private is always of the utmost importance for us.


We are also working on a short term solution to allow check withdraws again, and we hope to have more information on this issue in the coming weeks. Unfortunately the fees may be slightly higher, and there will be some limits in place, but we feel it is important to at least give some of our customers an option to withdraw by check until we have a long term solution in place.


We know these delays have been frustrating to all of you, and they have been to us as well. As a way of saying thank you for continuing to choose StrictPay as your payment option through these trying times, we will be lowering the receiving fee on funds transferred from 2% to 1.5% until 2-28-2010. We appreciate your understanding and patience during this trying time, and we promise to continue to work hard to find long term options of deposit and withdraw that will continue to make us the best payment option available today.


Team StrictPay


There have been many questions being asked on behalf of Strictpay.


5. Global Digital Pay

Given the persistent and on-going challenges that seem to be an on-going battle and on request of many members, we have decided to introduce a new PP called Global Digital Pay. They are similar to LR in price and fees (reasonable) but have chosen to respect common laws and decency.

We encourage you to check them out and consider using this in your future on-line business transactions: https://www.globaldigitalpay.com

The Global Digital Pay payment interface will be implement during the course of next week.

Any feedback would be appreciated!

With best regards,
Robert and your GNI Team

Rescatando los aspectos más importantes del extenso comunicado, tenemos:

1.	Conversión de Plan Mensual a Plan Premium Esto tiene efecto en aquellos miembros que han invertido en total más de $21 000, incluso se considera el hecho de haber realizado varios depósitos en diferentes planes. Todo aquel nuevo depósito generará el 20% de interes mensual, ya que el usuario tiene más de $21 000 invertidos.
2.	Calendario de pagos Se hará uso de un generador de números aleatorios para seleccionar la fecha de pago de cada miembro, y éstos se llevarán cabo entre el 8 y el último día de cada mes.
3.	Problemas con StrictPay Han habido algunos problemas con StrictPay, pero esto no tiene nada que ver con GNI. Para más información pueden leer el comunicado que envió StrictPay hace unos días y que el equipo de GNI lo ha incluido en su boletín informativo.
4.	Global Digital Pay Debido al pedido de muchos miembros, se implementará un nuevo procesador de pagos: Global Digital Pay. Estará listo en el transcurso de la siguiente semana.

Recuerden que, tal y como lo anunciaron en el boletín anterior, las solicitudes de pago deben realizarse entre el 1º y 7º día de cada mes, luego de esas fechas no podrán hacerlo. Ya falta poco para poder solicitar nuestros intereses, así que deben de estar atentos.

Antes de invertir siempre hay que analizar el programa en cuestión, además de seguir ciertas recomendaciones. Esto nos ayudará a tener mejores resultados en nuestras inversiones, sin embargo, en estos negocios no siempre se gana. Debemos recordar que siempre existe el riesgo de que el programa colapse o que simplemente detrás del programa esté un admin deshonesto que solo pretende llevarse nuestro dinero. Si estás en el último caso y, precisamente, invertiste a través de AlertPay, tienes la posibilidad de recuperar tu dinero, ya que este procesador de pago otorga reembolsos.

Sin embargo, para poder obtener un reembolso de tu dinero, tienes que cumplir con ciertos requisitos:

1.	Obviamente, tiene que ser un HYIP en el que hayas invertido por medio de AlertPay.
2.	Debes de buscar, en el sitio web del HYIP, las FAQ o los Términos y condiciones y asegurarte el margen de tiempo para los pagos (normalmente es entre 24 y 48 horas). Este tiempo debe haberse superado.
3.	Comunícate vía el correo de AlertPay del administrador del HYIP para preguntarle qué ocurre con los pagos.
4.	Espera un máximo de 48 horas a ver si te responde el mensaje, trata de agotar los recursos de soporte en la cuenta del sitio HYIP (trata de comunicarte por la web si tienen la opción).
5.	No puede haber pasado más de 30 días desde que invertiste.

Si cumples con todo eso, entonces puedes proceder a abrir una disputa en AlertPay, ya que el administrador del sitio HYIP no tiene ninguna intención de pagarnos.

Procedimiento para abrir la disputa:

1.	Primero debes de entrar en tu cuenta AlertPay
2.	Dirígete al apartado “Help”
3.	Elige la opción “Submit a Ticket”
4.	Luego elige la opción “Transaction Dispute”
5.	Te saldrá un formulario que deberás llenar correctamente
	En "Merchant/Recipient Email" introduces el correo a donde enviaste tu dinero por AlertPay.
	En "Merchant Website URL" introduces la página web del HYIP.
	En "Reference Number(s)" introduces el código de 15 dígitos que tiene cada transacción hecha en AlertPay. Si hiciste más de un envío de dinero, agrega todos los códigos.
	En "Transaction completed less than 30 days?" seleccionas "Yes"
6.	En el cuerpo del mensaje puedes escribir lo siguiente

Hello,

I have invested $(CANTIDAD INVERTIDA) of this account on a High Yield Investment Program (PÁGINA WEB DEL SITIO HYIP). In the Terms Of Service/FAQ they specify that they pay in less than (TIEMPO QUE SE PUEDEN DEMORAR SEGUN ESPECIFICAN EN LA TOS), and I’ve been waiting more than (TIEMPO QUE LLEVÁS ESPERANDO A QUE TE PAGUEN DESDE QUE PEDISTE ELDINERO)days since I’ve requested my payment.

I’ve also sent tickets to their support contact and never been answered. I believe I’ve been scammed by this HYIP site. Is there any chance you can reverse the transaction and have my $(DINERO INVERTIDO) back in my account?

Thank you

Nombre Apellido

Adicionalmente, puedes enviar una captura de imagen del pago pendiente que aparece en tu cuenta del programa.

Luego de haber realizado la disputa, solo queda esperar la respuesta de AlertPay, y si en caso haya quedado dinero en la cuenta del admin, tendrás una gran probabilidad de tener tu dinero de vuelta o parte de él.

Espero que este tutorial te sea útil.

Perfect Money es un procesador de pago que va tomando cada vez más fuerza en el mercado porque está siendo aceptada por la mayoría de negocios en línea.

Este "e-currency" es un instrumento de pago y cobro que permite:

• Hacer transferencias de dinero entre usuarios
• Recibir dinero de tus Inversiones de Alta Rentabilidad u otros proyectos en Internet
• Realizar pagos periódicos en Internet
• Almacenar el dinero de forma segura en la cuenta electrónica recibiendo intereses mensuales.
• Pagar bienes y servicios por Internet

¿Cómo abrir una cuenta en Perfect Money?
Sigue los siguientes pasos:

1.- Ingresa a la página de Perfect Money pulsando el link anterior:
Si la página web está en inglés puedes seleccionar el idioma español en el recuadro superior derecho, eso nos hará mas sencilla la explicación.

2.- Selecciona en el menú horizontal superior la opción "Registro".
3.- Ahora ingresa tus datos personales:

a.- Nombre de Cuenta, es decir un nombre de usuario.
b.- Tu nombre, ciudad, dirección y País. También tu código postal y email.
c.- Tu contraseña debe contener 6 caracteres como mínimo, y contener letras y números.
d.- Escribe el código de imagen y acepta los términos de servicio.
e.- Haz click en el botón: “Registrarse”

4.- Perfect Money te dará la bienvenida:
"Welcome!
Welcome to the community of Perfect Money!"

Una vez leido el mensaje, recibirás un e-mail confirmando tu apertura de cuenta. En ella se te indicará tu número de usuario -ID de cliente de seis números- el cual no debes olvidar y que te recomendamos guardar y conservar. Recuerda no borrar ese e-mail.

Luego cuando accedas a tu cuenta con tu ID, verás que se te asignaron tres números de cuenta:
• Cuenta en US$ (dólares norteamericanos, empezando con "U")
• Cuenta en € (euros, empezando con "E")
• Cuenta en Oro (onzas troy, empezando con “G”).

Cuando desees invertir en algun programa y te registres en él, será el número de cuenta lo que debes ingresar en el registro.

¿Cómo depositar fondos en Perfect Money?
Puedes hacerlo mediante transferencia bancaria (mínimo $1000 USD). Los datos del banco al que debes enviar el dinero es entregado al final de la solicitud. Sigue los siguientes pasos:

1.- Abre sesión en tu cuenta de Perfect Money y elige el idioma español
2.- Haz click en la opción “Depósito” del menú horizontal superior de color azul.
3.- Encuentras varias opciones, haz click en “Transferencia Bancaria” o “Bank Wire“:
4.- Antes de llenar el formulario, encuentra la opción “Documento* Sólo extensión jpg“. Esto significa que debes adjuntar un escaneado de tu documento de identidad, ambos lados en un solo archivo. Después de ser verificado, ese archivo será eliminado.
5.- Luego llena el formulario tomando en cuenta lo siguiente:

- Cuenta: selecciona el tipo de moneda: USD para dólares; EUR para euros.
- Suma: es el monto que vas a enviar, no incluyas el monto que el Banco te cobrará por la transferencia.
- Nombre: escribe tus nombres y apellidos tal como aparecerá en el formulario de transferencia que llenarás en la Banco.
- Denominación del Banco: Escribe el nombre del Banco.
- País: Muy importante que seas verídico al mencionar el país de donde envías la transferencia.
- Fecha de la transferencia: Respeta el formato de fecha de la página: mes/día/año
- Detalles: Menciona tu ID de Usuario de Perfect Money. Por ejemplo: “Transferencia de Member ID 673352″
- Nota: Aquí pones un mensaje para Perfect Money.

Luego debes pulsar el botón: “Volver”

6.- Verifica que todos los datos sean exactos. Click en el botón “Enviar Transferencia”
7.- Tu operación ha sido completada. En este momentos es cuando debes imprimir los datos del Banco de Perfect Money a fin de llenarlo debidamente en el formulario del Banco y enviarles el dinero.

Recuerda que si eres de América usa el código “SWIFT” y si eres de Europa “IBAN“.

Importante: En el formulario del Banco, encontrarás un campo con el nombre “detalles”, u “Observaciones”, indica por favor el objetivo de la transferencia de dinero. Este puede ser “Ayuda material” o “Pago por alguna compra” o cualquier otra razón. Recuerda que el banco del destinatario está en el derecho de interesarse por la destinación de la transferencia, consecuentemente, cuanto más detalladamente rellene el campo “Observaciones”, tanto más fácil y rápido se realizará la operación de retiro de dinero de la cuenta Perfect Money. Puedes agregar tu ID de usuario de Perfect Money.

Alternativa para enviar fondos a tu cuenta de Perfect Money
Para enviar dinero a tu cuenta de Perfect Money, además de poder hacerlo a través de transferencia bancaria internacional, es posible hacerlo utilizando un servicio de envío de dinero como MoneyGram o Western Union. Para ello, debes utilizar los servicios de intermediarios conocidos como “exchangers”, a quienes puedes enviar el dinero a través de MoneyGram o Western Union para “comprar” e-currencies, que en nuestro caso es Perfect Money.

Entonces, el funcionamiento de esta opción sería de la siguiente manera: tú envías el dinero al exchanger a través de MoneyGram o Western Union, y el exchanger te acredita ese dinero en tu cuenta de Perfect Money. El exchanger te cobra una muy pequeña comisión por dicho servicio. Por ejemplo, si envías US$ 1 000 a través de MoneyGram, el exchanger te acredita US$ 989 en tu cuenta de Perfect Money (comisión de US$ 11). Por otro lado, recuerda que tanto MoneyGram como Western Union te cobran una comisión para enviar dinero.

Información sobre la empresa:
Las oficinas de la empresa están localizadas en el World Trade Center de la ciudad de Zurich (Suiza), mientras que la dirección legal se encuentra en la Ciudad de Panamá (República de Panamá).

• Nombre: Perfect Money Finance Corp.
• Año de fundación: 2007
• Empresa Nº: 596918
• Licencia Nº: 1267339-1-596918-2008-105548

• Dirección:
Edif. Neptuno, Local #7
Vía Ricardo J. Alfaro, Tumba Muerto
Ciudad de Panamá
República de Panamá

• Teléfono: +507 202-1553
• Fax: +507 996-3177

Hace un par de días el equipo de Alertpay anunció que están rediseñando su web con el objetivo de mejorar la navegabilidad y la total comprensión de los sevicios que ofrece. Tal y como lo mencionan, la nueva web está casi lista, pero el lanzamiento será a fines de febrero.

Habrá también tutoriales sobre cómo usar adecuadamente Alertpay, por ejemplo, como agregar una cuenta bancaria, cómo solicitar un reembolso, etc. Todo estos detalles serán de valiosa utilidad, ya que al no estar disponible nuestro idioma, al menos los tutoriales gráficos serán de mucha ayuda.

Attention AlertPay members,

In an attempt to streamline our website and enhance usability and your understanding of our services, we are re-designing our website. This has been in the works for quite a while and we are almost done! We're hoping to launch the new site, in English and French, by the end of February.

We will be optimizing some existing content to be more explanatory, and will also be including loads of new, exciting and useful content. The site will be very similar to the existing one, but we will be focusing on our two main audiences: sellers and buyers.

We will be including two fun tutorials on how you can use AlertPay to shop online and to sell online. Among many other things, we are also creating some documentation for sellers and shoppers on how to do some very specific things with your accounts, like how to add a bank account, how to cancel a subscription and how to grant a refund. All that fun stuff!

We want to make our services as easy as possible by giving you the tools and resources you need to do what you have to do online.

Although we have a very comprehensive knowledgebase, we know that even more knowledge is power and so is more useful content!

There is so much more to tell, but we have to keep a few surprises. However, you will agree that the new site will be the best AlertPay has ever had.

More details to come soon and have a great week!

Sé que Alertpay es el procesador de pago favorito de muchos, así que sólo queda esperar unas semanas más para disfrutar del nuevo diseño.

El día de hoy, el equipo de Saza Investments nos envió un e-mail en el cual nos dicen que están trabajando en un nuevo script personalizado, ya que el actual ha dado problemas a algunos usuarios. Además para esto han empezado a hacer una revisión de todas las cuentas, y luego de eso activarán los pedidos de retiro de dinero (como es de costumbre cada viernes).

We noticed many of you are worried because our script failures. We are still working to our new custom script but in the mean time our team is doing an audit to all accounts each time this happens and fix all problems. Also some of your questions or problems can be answered or fixed only by our managers which are traveling a lot for bussinesses so you just need to be patients and we will solve any problem you might have. Please make sure we are doing anything in our power to make you pleased. In few hours the payouts will be opened so please make sure you will remember to request your withdrawals and please do it correctly.
Thank you all for your trust in us.
Regards,
Saza Investments Team

Luego de dicho anuncio, al parecer por una falta de coordinación del equipo, activaron los pedidos de dinero sin haber terminado de revisar todas las cuentas. Es por eso que luego de unas horas enviaron un nuevo aviso comunicándonos que cancelarán los pedidos y, una vez terminada la auditoría, activarán los retiros como de costumbre, así que no vayan a alarmarse muy pronto.

We will delay the payouts with few hours because the team who started the audits for overpayments didnt finished yet. New members in our payouts team also made a mistake and opened the withdrawals too soon. We will cancel all pendings for now until we will finish the audit to all accounts. After this we will announce you when withdrawals will be open and all with canceled pendings can request it again. We hope you can understand why we decided this and also that we are only humans and mistakes can happen. In few hours we will finish with the audits and withdrawals will continue normally as usual. Please post this on blogs, monitors and forums so that everybody to find out and dont panic. Thank you very much for your understanding and patience.
Regards,
Ricardo Andre Brandao
Saza Investments Marketing Manager

Por otro lado, sé que algunos de mis referidos han invertido en 4urearn, así que estaré observando de cerca el comportamiento de este programa. Si bien es cierto me registré hace meses en este HYIP nunca llegué a invertir ahí. Lo que quiero comentarles ahora es que hay muchas personas que están teniendo problemas para acceder a la web desde ayer. Sin embargo, el admin anunció que pronto solucionará los inconvenientes. Cabe resaltar que algunos pagos están pendientes debido al problema. Esperemos que se solucione pronto.

Hello Dear members of 4urearn.com

Our site will be accessible and we will pay all payments soon.
Please don't worry and be patient.
For more information, you can contact us by: 4urearn.com@gmail.com

4urearn.com Team

Para terminar, les comenté hace un par de días que pude recibir el primer pago de BarterCrown, y hoy temprano he vuelto a recibir uno más. También les dije que tuvo que pasar más de 24 horas para recibir el primer pago y por dicho motivo decidí no invertir más. Hace unas horas el admin envió un aviso mencionando que tuvo problemas con el servidor contratado y que por ese motivo no podía acceder y enviar los pagos. Menciona además que en estos momentos están migrando a un nuevo servidor, es por eso que la web no está accesible ahora. Tengan cuidado!

Hello to all,

Sorry for site loading problem today and last night. This issue is because of our hosting. We ordered a new server and soon we will migrate on it. We are not able to send withdrawals because of hosting issue and stop at withdraw time.

Please be patient untill we migrate on our new server . after that we will send withdrawals .

Regards
http://www.bartercrown.com

Hace unas horas el equipo de GoldNuggetInvest nos ha enviado un nuevo comunicado. Es notorio que la administración de GNI tiene toda la intención de seguir adelante con el proyecto.

Greetings GNI Members:

We hope, most sincerely, the shock of the changes has somewhat subsided and you, along with the community at large can appreciate what it is we're trying to get accomplished - the return of GNI to financial health.

As we expected, there have been some questions that need to be answered and some clarification to some decisions and procedures that may otherwise need an explanation.

Before doing so, it may shock some of you to know that, as of 8:00 am on January 18th (GMT), of the 10,000 or so active customers, only 2886 have signed up and are members of our private forum. About 25%+…

1. We cannot emphasize the importance of ALL participants in GNI, sign up and, when seeking out information related to GNI, use the forum as a point of reference and information!

2. Built into the script and available to ALL members is a security log. This security log contains every IP from which your account has been accessed. We need EVERY member to go into their security log and review the IPs listed (by clicking on the IP). For those who are not familiar with an "IP", it is your Internet Protocol Address and is a identified by a 4 numeric characters off set by periods after each one. Looks something like this:

68.3.243.11

When you click on your IP, it will open a new browser page showing the exact location, date and time of the person who accessed your GNI account.

It is entirely possible you may have three or four different IPs, but they should all reflect your own physical, geographic location. If it does not, your account was accessed by a hacker or someone other than yourself and your GNI, along with any other critical account information (or other data) has likely been accessed by, or exposed to someone who is likely not looking out for your best interest.

You need to contact your computer manufacturer or other expert and take the necessary steps to secure your computer. This includes changing passwords WEEKLY, backing up your data etc. Don't expose yourself or others to hackers.

The activities you undertake to prevent or mitigate hacking of your computer will be taken into consideration if something adverse happens to your GNI account. We have the capability to review your account access activity so please take the requisite steps to ensure your accounts integrity.

3. Forex Trading: Because of some of the verbiage relating GNIs current financial health to the positions held in the forex market, some of you have questions / concerns whether GNI is or has become active in Forex Trading.

We are NOT, in any way, engaged in forex trading as a source of income for GNI customers. Of late, 75% of our arbs are traded in GBP, 20% in Euros and only 5% in USD. As a result we are constantly exchanging funds from one currency to another and by default, are affected by the exchange rate. Again....we are NOT a forex based investment scheme.

4. Upgrading of Account Status: Some of you feel you have wrongfully been denied entry into the Premium Plan; have been saving with the intent of introducing all of your funds into the Premium Plan or something along those lines.

As much as we value our customers (and we most sincerely do!), our current focus is to restore our Project to solid financial health. Some of you had your pending withdrawals reversed back into your wallet for re-deposit, some of you had your deposit(s) remanded to the monthly plan right before your deposits would have, collectively, qualified for the Premium Plan or some other non-elected sacrifice you have had to make. We weren't looking to win any popularity contests by taking these steps, we are looking forward to getting this matter behind us as SOON as reasonably possible. To do this, sacrifices were inevitable. Some were compelled to make more than others and for that we appreciate what you are doing. In the long haul, we will all benefit from these sacrifices.

5. Length of Plan Cycle: While the plan(s), monthly and premium are on a monthly cycle, the specific length of this cycle is exactly thirty (30) calendar days. This will not affect the dates that GNI enables the dates to request withdrawals (the 1st - 7th of each month) nor the dates in which payment will be made (the 8th until the end of the month).

6. Going Private: The issue / question of GNI privatizing has surfaced for legitimate reasons, we had envisioned the project needing this status during the first quarter of this now, current year, 2010. Given our current state of affairs; the exodus of customers preceding the holiday time frame and the decreased revenue coming into GNI at the present moment, the benefit(s) of doing so does not justify the resources (time and expense) to follow this through to completion, AT THE PRESENT TIME. To be sure, GNI has a considerable amount of funds in preparation to going private, all of which will be set back for a future date and time.

Be looking forward to these as we progress through the most challenging times of our program.

Yours,
ROBERT and GNI TEAM

Hace un par de días, luego del comunciado extenso de GNI, Robert inició un tema en el foro oficial del programa GNI Forum, en el cual nos comenta su sentir debido a la problemática que estan atravesando y además nos menciona que desde el lunes estará activo en el foro atendiendo nuestras consultas y sugerencias.

Fellow GNI members

After sending out yesterdays newsletter I felt bad. I felt empty, miserable and desperate...

Please believe me, it was not an easy task at all and I couldn't sleep well last night. I never anticipated that I had to disappoint you all in such a harsh way and you can trust me, if there was any other way out, I would have spared you this for all unpleasant news.

However, there was no other way out!

We have worked hard on the concept for the newGNI over the last two weeks. No decision was made by myself alone. We have contacted our top referrers and informed them about necessary changes and asked for their opinions. I had many discussions with Todd and the TEAM, with our Auditor and the traders, as well as with some long term members. Everybody involved added a piece to our recovery plan and I'd like to take this opportunity to thank all involved for their great help! I am confident that our plan is not only feasible, but sustainable as well.

Giving up was never an option for us!
...
This morning then, after a couple of mugs of coffee that were really needed, I checked my emails and to my great surprise, I was overwhelmed by almost 100 member emails in my box - and apart from two, all are encouraging and positive! I really haven't expected such a respond from old and new members, after my personal D-Day yesterday. I express my gratitude to those members who contacted me personally!

What's next? I and the whole TEAM will roll up the sleeves and start over to earn your trust again and to become your reliable second income opportunity once again.

The new withdrawal schedule and limitations are also allowing me to reorganize my personal working schedule and will give me the necessary time to spend every day some time to be around here, at our forum, to touch base, an overdue necessity. As from Monday you'll see me around and I will answer as many topics as possible and as most of you know, I am open for constructive criticism as well as for ideas for enhancements or improvements, if practicable.

I wish you all a good weekend!

Verifield (revisión) nos ha anunciado el calendario de días festivos para este año. Hay que tener en cuenta que en este programa no se generan intereses los fines de semana (sábados y domingos) y tampoco en los días festivos:

Holiday Schedule OFFICIAL

Please note that Verifield do not credit interest on weekends (Saturday and Sunday) and official holidays when US markets are closed.

Verifield Holiday schedule 2010

• New Year's Day January 1, 2010
• Martin Luther King, Jr. Day January 18, 2010
• Washington's Birthday (Presidents' Day) February 15, 2010
• Good Friday April 2, 2010
• Memorial Day May 31, 2010
• Independence Day July 5, 2010
• Labor Day September 6, 2010
• Thanksgiving Day November 25, 2010
• Christmas Day December 24, 2010

Una vez más, MandarinInvest (revisión) nos vuelve a mandar noticias sobre sus mejoras. Esta vez se trata de un nuevo idioma disponible, el koreano, además también está disponible la atención del soporte en ese idioma.

Dear,

we are glad to announce that Mandarin-Invest is now also available in Korean. Check the language selection menu on our website. You can also send support tickets in Korean.

Sincerely,
Robbyn Hart

Por último, lamentablemte, IdealInv ha dejado de pagar. He visto muchos reclamos y el admin no aparece ni responde ningún email. Personalmente, llevo pendiente un pago desde hace unas horas. Tengan cuidado ya que el admin ha retirado los enlaces hacia los foros y ha puesto una imagen antigua de los monitores en estado de "pagando" para tratar de engañar a los usuarios. No vayan a invertir más ahí. Recuerden que estos negocios son así y los riesgos lo asumimos cada uno cuando decidimos invertir.

inversiones en internet forex hyip ganar dinero negocios

Hola a todos!

En esta oportunidad voy a compartir con ustedes información de uno de los programas más estables en esta industria, se trata de PanaMoney, que lleva operando desde junio del 2008.

Lo mejor de PanaMoney es que nos entrega un completo historial de ganancias diarias con muy buenos resultados históricos. Presenta un muy bajo porcentaje de días con resultados negativos, pérdidas leves que son cubiertas por un fondo de reserva y que no afectan mayormente a los inversionistas.

Otro detalle importante es que demuestra realmente que operan en Forex. Desde tu área de miembro (oficina virtual) puedes ver en tiempo real las compras y ventas que efectivamente realizan en los diferentes pares de divisas señalados. Pudimos verificar las transacciones que realizan comparándo los gráficos con los movimientos en tiempo real del mercado Forex y todo indica que la información entregada es real y confiable.

PLANES DE INVERSIÓN

Si deseas invertir en PanaMoney puedes hacerlo a través de Liberty Reserve, PerfectMoney, StrictPay, V-Money y transferencia bancaria.

Nota:
En todos los planes el porcentaje de rentabilidad se ajustará al plan escogido. Esto significa que si un día hay porcentajes de beneficio superiores a los marcados, se te abonará el correspondiente al máximo de tu plan. Es decir, si para el "Plan Standard" hay un beneficio de 1,5%, se te aplicará el 1,3%, que es el máximo variable para ese plan. Si la rentabilidad es del 1% tendrás esa cantidad porque está dentro del rango de tu plan. Y si la rentabilidad es -0,2% (negativa) tú tendrás un 0% de ganancia y la pérdida de ese día será cubierta por el fondo de compensación del programa.

INFORMACIÓN DE LA EMPRESA

PanaMoney Technologies Inc. se registró legalmente (con el número 613557) el 25 de abril de 2008 en el Registro Público de Panamá como una compañía de inversiones offshore, cuando fue establecida por un grupo de inversionistas, analistas y traders profesionales de Forex y programadores que desarrollaron un sistema de trading automatizado muy exitoso.

Verificar la veracidad de esta información es sencillo, ya que el Gobierno de la República de Panamá mantiene un sitio web informativo donde se puede consultar libremente las empresas y sociedades legalmente registradas en ese país. Por lo tanto puedes verificar en cualquier momento el estado de la Empresa. Para ello debes acceder al sitio web del Registro Público de Panamá con el siguiente link https://www.registro-publico.gob.pa

1. Haces clic en la opción "Consulta de Información Registral".
2. A tu izquierda encontrarás el menú principal. Aquí debes seleccionar "Mercantil"".
3. A continuación selecciona el sub-menú "Sociedades Anónimas".
4. Acto seguido, indicas que quieres realizar una consulta "Por Ficha" y colocas el Nº 613557 en el Campo "Indique Ficha" y digitas "Consultar".
5. Finalmente te mostrará el Registro Completo con los datos de PanaMoney Technologies Inc.

Dirección de PanaMoney Technologies Inc.:
Calle 50, Edificio Torre Global Plaza, Apartamento Piso 19, Oficina H
Urbanización Área Bancaria, Corregimiento de Bella Vista
Distrito de Panamá
Provincia de Panamá

Contacto:
Teléfono: +507 836-5156. Atención de 9 am - 5 pm (-5GMT)
Fax: +507 263-4975
E-mail: contact@panamoney.net

Representante legal y Director: Fernando Montero
Director de Marketing: Allan Flank

panamoney inversiones en internet forex ganar dinero en internet hyip negocios

Una de las noticias más importantes en este industria es, sin lugar a dudas, el estado actual de GoldNuggetInvest. Y menciono que es importante porque GNI era uno de los grandes HYIP, con miles de miembros que movían miles de dólares ahí. Ahora con los cambios anunciados, pienso que muchos no lo verán como una buena alternativa para ganar dinero y buscarán nuevas opciones.

Como lo comenté el día de ayer, hoy abordaré los aspectos más importantes del extenso comunicado enviado.

Básicamente, toda la problemática se centró en los siguientes puntos:

Banco Yesilada: esta entidad tuvo el principal impacto porque congelaron los activos por una orden de las autoridades alemanas. Este congelamiento contiene todos los fondos de los clientes del Yesilada. Hay docenas de clientes legítimos, entre ellos GNI, que están pendientes de que se resuelva este problema, en el cual GNI no tiene nada que ver. Han sido 23 semanas sin disponer de sus fondos, mientras continuaban cumpliendo la obligación de pagar los intereses correspondientes, naturalmente estaban perdiendo dinero cada semana.

Nuevos competidores: por la misma época surgieron varios programas de arbitraje deportivo, bien manejados y con una agresiva competitividad, lo cual disminuyó las ganancias de GNI en las casas de apuestas en las que trabajaban. Estos nuevos programas estaban ganando consistentemente retornos entre el 4% y el 8%, mientras que GNI lo hacía entre el 1.75% y el 5.5%.

Demasiado retiro de dinero: Los miembros estuvieron solicitando el pago de su capital en una proporción 4 veces mayor a lo que lo hacían en los primeros años.

Abuso en el programa de referidos: revisaron muchas cuentas y estiman que entre el 45% y el 60% han recibido comisiones inmerecidas, es decir, dinero que no debió haber pagado.

Con todo esto, han anunciado dos opciones: reestructurar la organización o cerrarla.

Opción 1: Reestructuración del programa

Plan mensual: inversiones de $50 hasta $20 999 dólares tendrán un retorno del 16% mensual durante 14 meses. Los clientes de GNI que estuvieran en el plan semanal pasarán al plan mensual. La nueva tasa de retorno para el plan Premium (inversión mínima de $21 000), será del 20% mensual pagada durante 14 meses.

El pago del interés mensual incluye el retorno de su capital. Toda inversión que se haga entra a un ciclo de 14 meses y no hay retiros anticipados del capital.

Pagos: Todas las solicitudes de retiro deben realizarse entre el 1 y el 7 de cada sucesivo mes, empezando el 1 de febrero. Los pagos serán hechos entre el 8 y el último día hábil de cada mes.

Sólo se recibe una solicitud de retiro por procesador de pago por mes. La cantidad mínima de retiro por procesador es de 10 dólares. Si tiene depósitos en varios procesadores, puede hacer un retiro por cada procesador.

GNI no seguirá asumiendo los cargos que los procesadores de pago cobran por transferencia.

Programa de referidos: el plan de referidos seguirá pagando el 5% de comisión, pero lo hará sobre el interés pagado al capital durante los 14 meses. Ejemplo: un cliente hace un depósito de $1 000 en el plan mensual. Recibe $160 mensuales de interés. Su auspiciador recibirá el 5% de estos $160 durante 14 meses, es decir, $8 mensuales.

Opción 2: Liquidación y cierre de GNI

Hay un par de formas de liquidar GNI:

1. Si es por regulación gubernamental, los activos serán declarados “en quiebra”. Una Corte Competente asigna un garante el cual contrata un equipo de abogados y profesionales que cobran entre 100 y 700 dólares la hora, dinero que saldrá de los fondos de GNI. Puede tomar de 2 a 5 años completar el proceso para terminar después de ese tiempo recibiendo de 5 a 10 centavos por cada dólar invertido.

2. La otra forma de liquidarla es que GNI contrate un abogado que tome los activos restantes y los divida entre aquellos de ustedes que no hayan recibido el 100% de su dinero invertido. Los pagos se harían prorrateados.


He tratado de redactar lo menos posible, pero con el objetivo de que puedan estar enterados de este caso que concierne a muchos de nosotros. Por mi parte, tendré que retirar a GNI de mi Lista Premium hasta nuevo aviso.

Hace unos días mencioné que GNI llevaría a cabo algunos cambios en su programa y esto se debe a que en los últimos meses del 2009 atravesaron muchas dificultades. El día de hoy GNI nos ha enviado un comunicado en el cual podemos ver que los cambios serán muy drásticos y, sinceramente, no será del agrado de la gran mayoría.

Ya que el mensaje es muy extenso, por ahora solo lo compartiré con ustedes tal y como lo han enviado. En una próxima publicación, escribiré con mayores detalles algunos aspectos importantes del anuncio.

Dear Friends & Associates of GNI

As we welcomed Year 2010, we (Principals, Staff and Associates) felt the need to reflect on the challenges GNI faced and were able to overcome; and what if anything, we could learn from having faced these challenges.

These challenges were broad in scope - which included catastrophic script failure(s) to potentially catastrophic hackers; from being flush with cash when we shouldn't have been and devoid of funds when we should have (had ample amounts). Despite these hardships, and in contravention to those who wish nothing but our demise, never did we consider abandoning our friends and associates without whom we never would have experienced, learned and grew with the project uniquely known as GNI.

The last quarter of 2009, however, placed significant obstacles in our pursuit of success, each having the capability of wiping out any well-managed program, anywhere!

During the Christmas / New Year Holiday, needing a crystal clear vision of our financial vortex, I met with Jurgen and others to obtain their trading reports and declare our Profit / Loss position to the Principals of GNI. With Arthur leading the way, we were able to evaluate with no uncertainty, our financial, technical and situational oversight in preparation for year 2010.

Specifically, we looked at:

1. Yesilada Bank. That entity having the most significant impact is / was the freezing of assets by the German Authorities, of Yesilada's Correspondent Bank. This particular frozen account contains all of Yesilada's client's foreign exchange funds. There are dozens of legitimate clients, along with GNI, whose lives have been put on hold pending the resolution of an investigation which has NOTHING to do with GNI. It's a matter of being at the wrong place at the wrong. time.

Twenty-three weeks without the availability of OUR (and some of our best clients) funds, while continuing to honor our obligation of paying interest on those funds becomes a loss ranging from 10% - 12.5% a week. We arrive at those numbers simply by adding the percentage we could have received (which fluctuates based on the traders success) had they not been frozen, with that percentage we would have otherwise not had to pay out; over a twenty-three (23) week period. If we released the actual dollar amount that is involved, the numbers become staggering if not overwhelming.

As significant as this amount became, it was a manageable scenario using reserves and our favorable Forex positions. In defiance of all economic logic, the dollar began and continues to this day to gather strength against the Euro; weakening our positions considerably.

2. New Competition. About the same time (late September, early October) several well-managed, aggressive and unique Sports Arbitrage programs came on-line decreasing our market share, not in terms of investment dollars, more so for viable arbs.

Arbs which were earning consistent 4% - 8% returns during 2008 - 2009, our traders were now earning between 1.75% - 5.50%.

Our competition has taken advantage of technology and formed marketing partnerships which allow for clients to engage in arbitration activities without having to obtain accounts and relationships with bookies that has taken us years to develop. We were caught unprepared, but weren't discouraged.

What this meant:

For GNI to earn returns at the level of last year, demanded twice the amount (proportionate) of capital funds. Whether this is a one-time phenomenon or a new state of affairs in the world of Sports Arbitrage, we cannot say. We hope its the former!!!

2(a) Untimely Customer Requests for Payout of Principal. This, the first full year availing GNI to the world at-large, the percentage of client- requests for principals quadrupled (in proportional comparison to our last 3 years. I have my suspicions why, but cannot back this with any empirical data. It hurt us by forcing us out of arbs (becomes a complete loss on both ends) and missed many good ones during Christmas and the New Year celebration, largely in the US.

3. Fraud / Hacking Activities. Further compounding matters are the uninvited guests who pleasure themselves by hacking into client computers, then invade the GNI script. They have had some limited success redirecting Liberty Reserve deposits and to a much lesser extent, Strict Pay deposits causing untold amounts of additional work and further depletion of assets. Has this intruder caused us harm? Yes. Have we eliminated the threat? We hope so, but we're not entirely sure. What we do know, our customers are NOT taking the requisite steps to keep their computers free from hackers. How many of you use a US Social Security number for your password; or some other parenthetically easy conflagration any experienced hacker can guess. All told, this has cost us, in real dollars, well into the six figures and has contributed SIGNIFICANTLY towards our "situation."

4. Referral Program Abuse. When developing the business model to run and grow this project, included was a percentage to reward those who introduced GNI to prospective members (The Referral Plan). The abuse and fraud perpetrated by members who have become wealthy resulting from their participation in this program, at the expense of non-abusing members, the Principals and staff. who played by the rules, is disturbing!! The outlay of funds for payment of ill-gotten commissions is sufficient to end any well-meaning program!!

A very typical scenario relates to some customers we have who reside in the Eastern part of Europe. These clients held deposits of $100,000 (there were three participants). They staggered their deposits in a way that was clandestine avoiding detection by us. Every 7-10 days an amount between 21k and 35k was being deposited by one of the participants while a similar amount was being withdrawn. After absorbing fees and paying the undeserved commission, this amounted to well over $5000 per month.

Todd has gone through many GNI accounts. He estimates that somewhere between 45% and 60% of all active GNI accounts have received unearned commission (money that should not have been paid). There is no possible way to reverse these at this point. Unfortunately, the entire GNI membership will have to pay this in the form of a restructured program.

There is no justifiable excuse we can make other than we failed to implement adequate oversight.
-------------------------------------------------------------------------------------------------------------

We have determined we have but two options: Restructure the organization or liquidate and close up shop!

Option I - Restructuring of the project (GNI) - The following depicts the highlite's of the "New GNI" as we currently envision. The changes are drastic, but still provide for customer's to make profits that dwarf any conventional investment program. Further, it is subject to change as new facts, information and level of capital is made available. It's nothing that any of us take pleasure in implementing, but it is what is necessary to regain our viability and operational capacity in the next decade. With that being said, I give to you the "New GNI" program.

Highlights of the "New GNI" Payment Plans

Much thought was put into the type of plan(s) we could offer. If our membership subscribes to the notion this new "monthly" plan was created having both the customer as well as the program in mind, remaining as revenue neutral as possible while recognizing the returns fall well short of what were able to offer previously. Nevertheless - we want to first introduce the new and now replaced Weekly Fixed Plan with the GNI Monthly plan as follows:

1 (A) The GNI Monthly Plan, has a target subscriber base of those wishing to invest $50 - $20,000. The rate of return will be 16% per month for 14 months. Those of you GNI clients who were in the Weekly Plan will have been rolled over into the Monthly plan.

1(B) The new rate of return will be 20% per month for the Premium Plan which will become effective immediately and will be paid at the above specified rate for 14 months. There will no longer be a cap on level of deposits unless specifically mentioned to you by Todd or myself.

2. Each deposit with have a life-span of 14 months. THE MONTHLY INTEREST PAYMENT INCLUDES THE RETURN OF YOUR PRINCIPAL.

Comment: A common question that has arisen - If the funds are in trade and earning GNI reasonable returns why would GNI need to keep the Investment Principal? The answer to this question is a complex one. Having an established end to the life-cycle of the the investment term, we will have established strong, internal management controls over the flow of currency, something we do NOT have at this point.

(Please Keep in mind, this is a "RECOVERY PLAN," not an operational plan. It can be modified one way or another to ensure the health and longevity of the plan as a whole. Despite the drastic steps we are taking, we are still paying interest at the 150% level (interest). We cannot find any mainstream investment paying anywhere close to this.

3. Consistent with the above, there is no longer a "lock-in" period as all investment cycles are 14 months. No early withdrawals (of principal) are permitted, no exceptions.

4. Outstanding withdrawal requests:

Currently, there is a large number of outstanding withdrawal requests that have not been processed. We know all of you, despite our incessant admonitions that GNI was to be a SECOND INCOME, NEVER wanting or asking to be anyone's primary source of income and encouraging EVERYONE to withdrawal from their accounts on a regular basis, have dire needs for those funds NOW.

There are / were two viable options and two only. The first option (A) is / was as follows:

(A) Those members having outstanding withdrawals may elect to keep them outstanding; and will be the first to receive interest payments when they resume in March. There will not be earnings or interest paid on those pending withdrawals;

On the other hand, those of you who elect to re-deposit those currently pending withdrawal requests,will earn interest starting at the time of re-deposit.

The second option allows for the least disruption and reduced impact on the customer base.

(B) Specifically, it permits the redressing of the withdrawal function starting on Feb. 01, instead of the inflated down time which would not have seen the first withdrawal until the following month, March 01, 2010.
* All pending withdrawals will be cancelled effective January 15th; reverted back to Customer's wallet then deposited (automatically) into either the Monthly or the Premium plan.

* No amount of funds exceeding $49.99 in any one currency will be permitted to remain in either client's wallet or cash balance up to and until this first "cycle" of payments has been completed.

* All requests for withdrawals must be made between the 1st and 7th of each month.

* GNI will fund customer's PP acc't with the agreed to amount between the 8th and 28th of that same month.

Note:
We have been able to change (escalate) the unlocking of the withdrawal feature a full thirty days earlier than originally scheduled . This resulted as a consequence of those members who, either voluntarily or out of necessity, had their withdrawals delayed allowing us to place those funds into trade and essentially reducing the withdrawal "time-out" by a full month. I only wish all of you can appreciate those who were not able to withdrawal during the holidays and the tremendous step forward this enabled our recovery to make.

6(a). New withdrawal requests will be received between the first (1st) and the seventh (7th) of each successive month beginning Feb. 01, 2010. The withdrawal requests received AFTER 11:59pm (server time) on the seventh of each will not be received and payment will not be made for that month.

If the seventh of the month falls on a Saturday or Sunday and your request was timely, it will be honored.

6. Payments will be made between the eighth (8th) and last business day of each month.

7. One withdrawal request per Payment Processor (PP), per month. Minimum withdrawal amount for any one processor = $10.00. If you have deposits in four different processors, you would be entitled to request one withdrawal for each PP accordingly.

8. Fees charged by the PP to transfer funds to GNI can no longer be absorbed by GNI. As an example: Customer sends 100.00 via Strictpay to GNI; GNI receives 98.00 (100.00 less 2.00 charged by SP for transfer, client will be credited 98.00)

9. Referral Program. The referral program and the abuse thereof, will stop. Conversely, we cannot abandon our marketing partners nor those who legitimately introduced the program to OUTSIDERS. Those of you who referred to yourself or to those who already were familiar with the program, along with those of you who withdrew your funds only to re-deposit immediately after you received your payout, you may take credit for contributing to the need for us to restructure. There are times when we needed for our customers to act in a way that showed gratitude, not greed!

Regretfully, the populace being what it is, couldn't resist giving themselves an extra bonus. They did so at the expense of our most honest customers and to those, on behalf of the ones who engaged in Referral Program abuse, we sincerely apologize.

That being said, the "New Referral Program" will work as follows:

Up-lines will, in lieu of the five (5) % punch at the onset of an invested deposit, receive 5% of their downline's interest payment for the life of the investment.

For example. Customer makes a $1000.00 purchase into the Monthly plan. Referrer would NOT receive 50.00 as they otherwise would (at the onset). What they would receive is $8 per month for 14 months or 112.00. This is calculated as follows: ($1000 = customers invested principal)($160 = the monthly interest received by customer for one month)(.05 or 5% = the declared rate of return for referral commission)=8(14 = the number of months invested) // $112.00.

The rate of commission would be slightly higher if your downline invests in the Premium Plan.

Option II - Liquidation of the GNI Project.

It is a fact, nobody wants to modify their program if it has shown the potential for success. Likewise, until a program is up and functional, there is no way to anticipate ALL of the needs, ALL of the problems or the true level of success or failure the program may potentially yield until you take that plunge or go forward. GNI was no exception. Never did we anticipate, nor could we have, the actions taken by the German Banking Administration to freeze Yesilada Bank's assets and those of our best clients, all merely caught up in unrelated investigation of some fraudster on a different continent. Unfortunately life, being what it is, has twists and turns - some of which you can plan, others you cannot.

For us to deny responsibility, as many, many others would, proclaiming "it's not our fault" is failing to accept the responsibility for that which is yours.

We chose Yesilada Bank to be our partners as they offered favorable rates, convenience, accessibility, wire transfer capabilities and other features we felt were important to the successful operations of GNI as well as to those customers who were compelled to utilize their services. We had secured personal assurances for the appropriate managers and service level administrators; with the end result being nothing more than what we are forced to face head-on.

There is never a convenient time to implement the kind and scope of changes we are insisting you, our customers, we the administrators and certainly our employees, to have to take. (Employees of GNI will be taking a 25% REDUCTION in payments and salaries as their contribution towards the successful recovery of the program).

Before going over the less attractive Option, please keep in mind the Terms of Service all of you who are participating in GNI, agreed to accept.

Terms of Agreement

Below are the terms of agreement and use for this site:

...We reserve the right to change the commissions and rates of the program at any time and at our sole discretion without notice, especially in order to respect the integrity and security of our members' interests. You agree that it is your sole responsibility to review the current terms...

There's a couple ways of liquidating GNI. If it goes through governmental regulators, the assets would be placed in receivership. A Court of Competent Jurisdiction would assign a Trustee, who would hire a team of lawyers, paralegals, accountants and bookkeepers, making anywhere between 100.00 - 700.00 per hour, all of which would come out of.....your (GNI Customer's) funds. It would take between 2-5 years to complete and assuming you have not recv'd ANY funds in the form of a payment; could get between 5 & 10 cents for every dollar invested.

The second option is to have Counsel retained by GNI to take the remaining assets and divide it amongst those of you who HAVE NOT received 100% of your invested dollars. It would be paid out on a pro-rata basis.

Conclusion:

While these are some trying times for everyone, we have devised and orchestrated a comprehensive plan we feel is workable. If circumstances change, we will modify the program accordingly.

How many of our loyal customers will we lose to attrition? We shouldn't loose any, but we will. We'll also loose some "fear weather friends."

Because we don't have a Crystal Ball, we can't predict the future. What we do know is we're honest, our team is honest and we want to succeed where others haven't. With that, along with mentioning we are lifting all caps on investments. We have, per deposit, a total 14 month commitment with each of you (Hopefully much, much longer). We not only have the additional capacity, we need to rebuild our position as the leader in Global Sports Arbitrage World.

We wish at this time to thank you for your support. We are confident this will be nothing more than a hiccup in the life of our program..

Thank you,

Robert, Jurgen and Team

MandarinInvest, uno de los programas que nos tiene acostumbrados con sus implementos y mejoras, nos vuelve a enviar un correo informándonos de una nueva herramienta que han implementado. Se trata de una calculadora y gracias a ésta podremos saber cuánto ganaremos al hacer un depósito, así como también comparar los diferentes planes que ofrecen. Muchos programas poseen esta herramienta y realmente es útil para planificarnos.

Dear,

a long awaited tool is now finally available on our website! An investment calculator lets you evaluate what amount you will get after a deposit expires and compare the investment plans offered. You can find it on our plans description page or simply follow this link:

http://mandarin-invest.com/investmentPlans.php

Sincerely,
Mandarin-Invest Team

Por otra parte, uno de los programas a largo plazo más populares, PanaMoney, anunció hace unos días un número telefónico de asistencia para que puedan llamar si tienen preguntas. Si desean hacerlo, tengan en cuenta la diferencia horaria.

PanaMoney Phone Support is available now Monday - Saturday 9 am - 5 pm Panama time (-5 GMT). The phone support number: +507 836-5156 (Panama).

Para los que no lo conocen, PanaMoney ha estado en línea desde septiembre del 2008 y puede ser considerado uno de los programas más seguros de esta industria. Las tasas variables y la posibilidad de negociar en tiempo real hace que PanaMoney destaque entre la multitud.

Hola,

Como ya sabrán muchos de los lectores recurrentes, aquí encontrarán un seguimiento tanto de programas que gozan de estabilidad (los que aparecen en la Lista Premium), así como también los programas a corto plazo, que como sabemos, la gran mayoría se trata de pirámides. Éstos últimos ofrecen un gran interés, pero su riesgo es muy elevado ya que pueden colapsar en muy poco tiempo. Sin embargo hay excepciones, personalmente, he conocido varios de estos programas que han podido durar muchas semanas, ejemplo actual de ello es Rosalin Finance que ya lleva dos meses, habiendo pasado incluso las fiestas navideñas y de año nuevo.

En esta oportunidad, les quiero comentar que hace una semana apareció un programa llamado IdealInv, nombre que seguro les recordará algunos HYIP del 2009 que tuvieron un relativo éxito.


IdealInv ofrece tres planes muy simples; el primero de ellos nos retorna el 120% luego de 5 días y puedes acceder con tan solo $5. Recuerda que el capital está incluido en ese porcentaje. El segundo plan nos ofrece el 150% después de 10 días y tendrás que desembolsar $20 si quieres entrar ahí. Para los más arriesgados está el tercer plan, el cual nos retornará (si todo sale bien) el 195% después de 15 días, aquí el mínimo es $50, así que si inviertes dicha cantidad podrías estar cobrando $97.5!

Si revisan la web, verán una pequeña nota curiosa adjunta al final de la descripción de los tres planes, en ella nos dice que éstos son válidos sólo hasta finales de febrero. Bueno, el administrador de IdealInv se ha comprometido a revisar los resultados obtenidos por los planes actuales y volver a evaluarlos. Puede haber algunos ajustes en ese punto para ayudar y mantener la sostenibilidad, aunque primero me gustaría ver si llega a esa fecha.

En cuanto a los procesadores de pago aceptados figuran Alertpay, Liberty Reserve, PerfectMoney, StrictPay y SolidTrustPay. Realmente una gran variedad; deben tener en cuenta que al invertir podrán hacerlo en múltiplos de $5.

Respecto a la seguridad y diseño de la web, puedo mencionarles que IdealInv cuenta con un script bajo licencia de Neversay, están alojados en un servidor dedicado y protegidos contra ataques DDoS gracias a Koddos. Un detalle que nunca vi en programas de este tipo, pero común en programas de mayor estabilidad, es la encriptación SSL con la que cuentan. Se nota que el admin tiene experiencia en estos negocios y ha querido llamar la atención de los inversores.

Finalmente, solo quiero hacerles recordar que, aunque IdealInv tenga muchos detalles atractivos, deben tomarlo como un HYIP más, en la que cualquier cosa puede pasar, así que no está de más decirles que inviertan dinero que solo están dispuestos a perder.

Suerte!

Hace un par de días compartí con ustedes una revisión del prometedor programa Verifield, en el cual solicité un pago el día de hoy, y lo mejor de todo, es que fue realizado automáticamente. Solo basta pedirlo y verán su dinero apenas ingresen a su cuenta.


Hace unas horas también recibí un pequeño pago más de GNI (revisión). Como se comentó hace unos días en el último boletín informativo, hubieron algunos retrasos en los pagos, sin embargo he podido constatar que la gran mayoría de ellos han sido solucionados. Además, en los próximos días, Robert Spearman estaría enviándonos otro boletín más con algunas novedades y cambios en el programa.


Recuerden que pueden escribirme al correo en caso de que tuvieran alguna inquietud respecto a estos programas.

Hola, amigos lectores!

Nuevamente quiero compartir con ustedes una revisión más, esta vez se trata de Verifield, un programa que pronto alcanzará un año de vida y, por lo tanto, merece una revisión detallada, la cual podrás leer en las siguientes líneas.

Verifield es el nombre del programa de la empresa Waygenic Trading Ltd. y se habría lanzado offline a principios del año 2006 con el fin de crear una solución innovadora de inversión. Quiero resaltar que esta información la muestran en su web, sin embargo, lo único confirmable y seguro es que iniciaron de manera online en marzo del 2009.

Esta empresa ofrece un amplio abanico de servicios a los inversionistas que buscan ganancias dinámicas en tiempo real e informes emitidos a diario. Verifield invierte en mercados emergentes y transa activamente acciones dependiendo de las decisiones tomadas por un equipo profesional de expertos en el análisis técnico. Básicamente, están constantemente en busca de mejores negocios, dependiendo de los precios del mercado, la situación exacta en éste que se encuentra y otras variables técnicas.

Waygenic Trading Ltd. es una empresa con sede en Chipre. Puedes comprobar su registro en la página del "Department of Registrar of Companies and Official Receiver-Republic Of Cyprus".

Planes de Inversión

1. “Diversified Commodities” - 3 días/tasa de interés de ~1.0% diario:
Paga ~103% después de 3 días, incluyendo la inversión inicial. Por lo general, este fondo invierte en productos básicos y materias primas tales como oro, arroz y otros metales y alimentos. Este fondo también participa en los mercados emergentes, sin embargo, la mayoría de los activos se invierten habitualmente en los mercados de productos básicos.

2. "Intensive Forex" - 7 días (a elección)/tasa de interés de ~1.2% diario:
Paga ~108.4% después de 7 días, incluyendo la inversión inicial. Es una cartera diversificada en diferentes transacciones en el mercado de divisas (Forex). Por lo general, las inversiones se realizan en los pares USD/EURO, JPY/USD y GBP/USD y en otros pares de divisas que estén con buenas perspectivas. Existen diferentes formas de operar en el mercado de divisas. La manera más eficaz es la manera clásica, sin utilizar margen alguno, y por lo tanto sin incrementar el riesgo. A lo largo del día de trading, los pares de divisas se mueven de manera diferente, por lo que el objetivo fundamental es realizar varias operaciones grandes con diferentes pares, o mantener algunas posiciones abiertas durante la noche hasta el día siguiente y así esperar una mejor tendencia.

3. “Nominal Income” - 30 días (a elección)/tasa de interés de ~1.3% diario:
Paga ~139% después de 30 días, incluyendo la inversión inicial. Los activos son principalmente diversificados en inversiones de baja volatilidad tales como acciones tradicionales y/o acciones de mercados emergentes. Por otra parte, cerca del 30% de los activos es asignados a compañías petroleras en crecimiento ubicadas en diferentes partes del mundo.

4. “Effective Gross Income” - 60+ días (a elección)/tasa de interés de ~1.6% diario:
Paga ~196% después de 60 días, incluyendo la inversión inicial. El fondo fue diseñado para los inversionistas que están en busca de un alto nivel de ingresos y en el potencial de incremento del capital. Parte principal de la cartera se invierte en los mercados emergentes de acuerdo a las posibilidades del equipo de traders de Verifield. Asimismo, el 40% de los activos se invierten en petróleo crudo, a fin de lograr el equilibrio más eficiente entre los riesgos y los posibles beneficios.

5. “Capital Market Securities” - 60+ días/tasa de interés de ~1.8% diario:
Paga 208% después de 60 días, incluyendo la inversión inicial. Ese fondo ofrece un mayor rendimiento que el común de las carteras de alto riesgo. El 45% del capital es invertido en los mercados emergentes, especialmente las compañías petroleras de Rusia y el 55% de los activos es invertido en materias primas.

Las opciones de inversión y pago son pocas, entre ellas están Liberty Reserve, PerfectMoney y transferencia bancaria, sin embargo, el mínimo es accesible para muchos, tan solo $5. Uno de los mejores detalles de Verifield es el pago instantáneo y esto es posible gracias a la combinación de su protocolo SSL, su script único y su creativa "Safe card" para solicitar pagos.

Otro detalle importante es la seguridad del sitio, ya que cuenta con protección antiDDoS y está alojado en servidor dedicado de Dragonara, ya el nombre de esta empresa dice mucho.

Como podrán revisar, Verifield se encuentra en la Lista Premium de mi monitor, esto es porque en el tiempo que lleva operando ha tenido estabilidad y en todo el seguimiento que le he realizado no encontré ninguna queja o reclamo. Parece ser que este programa apunta a quedarse por un tiempo más, aunque deben tener en cuenta que en esta industria, ninguna buena performance del pasado aseguro lo mismo en el futuro.

Hasta pronto!

El día de hoy, uno de los mejores programas de inversión, GeniusFunds, nos ha anunciado que sus oficinas estarán cerradas y que no se acreditarán dividendos (intereses) en sus planes de inversión. Esto es debido al Día de la Epifanía, también conocida en algunos países como Día de los Reyes Magos o simplemente, Bajada de Reyes.

Este es el mensaje original:

Epiphany Day
Please note that due to a Public Holiday in Cyprus our offices will be closed all day on Wednesday 6th of January. No dividends will be paid and our customer support department will provide only limited support by e-mail. Please note that World Bond Market Fund (WBMF) dividends, which are paid on a weekly basis will be adjusted to reflect the holiday. Thank you for your understanding.

GoldNuggetInvest o simplemente GNI (lee la revisión), empresa dedicada a la inversión en arbitraje deportivos y que lleva más de tres años en esta industria, nos ha enviado un nuevo boletín informándonos diversos aspectos:

Warm and friendly greetings are extended to all friends of GNI in whatever part of the world you currently reside. We trust everyone made it through the holidays in one piece and, like ourselves, look forward to getting back into a routine to which we were reasonably well accustomed.

There are some changes and modifications which we are considering, some having been decided and resources invested to implement, while others are still being contemplated or considered.

While these changes will contribute significantly to the health and stability of the program, not all will be viewed as customer - enhancing changes, but the changes will be made regardless. Without making some program changes, coupled with the significant amount of funds currently frozen at Yesilada bank's German correspondent account, our existence would be threatened, nothing anybody wants or needs. To say it again: Not our account with Yesilada is frozen, but THEIR correspondence account with a German bank.

Todd and I, with Jurgen's input, have been working on these changes for quite some time; much thought and consideration is being taken before the decision to implement is made.

Before announcing the first significant change, they're some other issues that warrant discussion as they are serious matters.

1. Increased Fraud Activity / Identity Theft:
This phenomenon is not unique to GNI, however, given our strength and size the organization and each member individually as well as collectively, is a target for all would be hackers and thieves. While we have been reasonably successful fighting this, it is extremely time-consuming and with a little bit of thought and members taking some responsibility for the activities they do, we could be doing a much better job and reduce the outlay of funds to zero with member assistance.

The following subject points must become routine procedures for GNI members whether working on GNI issues or when taking on non-GNI issues:

a. All computers must run with System-Wide Security provisions current and in place whenever utilizing the internet.
b. All passwords to all of your password protected IPs, MUST be changed routinely on a regular basis while avoiding the use of your own birthday or that of your spouses, social security or Driver License Numbers…etc. Use good common sense when selecting a password.
c. Don't give out your password or USER ID information to anyone, even your referrer.
d. When making deposits, ALWAYS do it from your Back Office, NEVER from the Payment Processor (PP) site.
e. Verify the recipient's account number belongs to GNI and is the correct account, regardless of the amount or how familiar it looks or does not look, nor which PP you are using. We will confirm that EVERY PP has had issues of hacking, malicious activity or otherwise. We don't want to have to arbitrate a situation involving members who deposited to the wrong account because of some hacker's switching of the client account.

2. Use of Support for Customer assistance:
PLEASE do not email Robert or Todd for support requests. All this does is slow down the response time. Use the ticket capability in your back office.

3. Delayed interest payments over the last two weeks, due to the holidays:
As some of you have realized, not all requests for payment have been realized over the last two (holiday) weeks. We're not going to sugar-coat or mislead anyone here. We have had some e-currency / PP processor currency management issues, together with member's requesting principal balances for the holidays, the necessary expansion of member / account verification resulting from the fraudulent hijacking of member accounts, collectively does not allow for the streamlining of payments to our members. With a concerted push, we were able to process over 1500 member payments yesterday, what is about the maximum we can do daily and we will continue today and the next couple of days. Please keep in mind, until such time we are caught up, some of these payments will not necessarily be in the order you requested them and secondly that we are receiving on a average day between 400 and 700 new withdrawal requests. Be patient...we're trying to help everyone as fast as reasonably possible.

4. Charitable Giving:
The final tally will be made and announced later this week or early next. These charities will, I'm quite certain, be pleasantly surprised at this new infusion of funds.

5. Weekly Rollover Plan:
Effective January 30th, 2010, GNI will no longer offer the weekly rollover plan to prospective GNI members, as announced previously. There will be more information about this later. Be looking to get all funds out of the weekly rollover plan as it will no longer be supervised nor will interest be paid thereon.

For the next couple of weeks, be looking for correspondence to be flowing fairly regularly until such time we have tweaked the program sufficiently and addressed all concerns which affect the membership at-large.

We apologize for the delays - but are working diligently to correct these.
Thank you all for your time and support,

Robert, Jurgen and the GNI Support Team.

Es un mensaje extenso, pero rescatando los puntos importantes, tenemos:

1.	Se han incrementado las actividades fraudulentas y los robos de identidad. Por lo tanto es importante tomar algunas medidas de precaución para combatir a los hackers. Se aconseja usar dispositivos de seguridad en sus computadores (antivirus, firewall, etc), cambiar regularmente sus claves evitando relacionarlas con las fechas de cumpleaños, cuando se quiera realizar algún depósito, hacerlo desde nuestra cuenta de GNI y no usar directamente el procesador de pago.
2.	En cuanto al servicio de soporte, no se debe enviar mensajes a los correo de Robert o Todd. Cuando se necesite ayuda deberán usar el servicio de ticket disponible en sus cuentas.
3.	Ha habido algunos retrasos en los pagos debido a los feriados pasados, en los cuales GNI no estuvo atendiendo, así que ahora están regularizando todo.
4.	Muy pronto, GNI, estará anunciando noticias para hacer obras de caridad.
5.	El 30 de enero de este año, el plan Weekly Fixed Rollover (0.8%/diario) dejará de existir, tal y como lo anunciaron hace algun tiempo. En algunos días darán mayor información, pero deben ir retirando su dinero en caso estén en ese plan.