But before I proceed I will announce the most shocking news of this winter season and perhaps of the whole year. FxStar has gone for bad and the game is now over for sure. Knowing their potential and ambitions no one could dare to say that one was going to turn into such immense and fast failure. I am reminding you that FxStar suspended withdrawals 4 days ago and hasn’t come up with some reasonable update to date. The site is now down which in fact means it’s all over. I hope those of you who invested at the early stages got some profit back at least. I managed to break even but surely that’s not what I was expecting from such a program like FxStar.

Okay, lets get back to Harmonicmarket now.

1. Would you please introduce yourself first to me and MMS readers? Are you working alone or you have a team by your side?

Hello, I’m answering this, as we want to give the answers straight from the source!

My name is Paulo S and I am the lead trader for BLOCK C investments, partner of the Clover Project company, and one of the admins behind Harmonic Market.

We also have 4 other traders currently working: 2 for BLOCK A and 2 for BLOCK B investments.

Currently we have several interns training to trade, which provide our “disguise traders” – so our moves cannot be exactly calculated and move the markets we trade in.

And we have a support staff located in Panama that does most of the clerical and administrative paperwork behind our trading and tax matters. I’m located onsite in Panama myself.

2. Is this your first investment experience of running a high yield program and how did you come up with the idea to of BLOCK investment?

Yes, we saw the HYIP market and postulated – what would happen if an HYIP actually started WITH money, rather than recycling new investor money to pay old investors. We explored the concept at first almost as a joke, and then discovered the math that we believe will make it a sustainable program.

The BLOCKs concept is actually mine. We wanted to make it easy for people to decide how much to invest, and after working out some very specific equations for longevity of the program and risk vs. reward, we set the current BLOCK numbers as they are.

3. What’s the main thing that makes Harmonic market sustainable in your opinion?

Careful calculation and estimation of incoming investments. Similar to the world of insurance, where patterned behavior can be predicted. We are good with mathematical modeling of patterns as that is how we all came together – based on how we trade stocks.

4. What is the main part of your advertising campaign?

We are using conventional HYIP advertisements based on traffic ranks vs. pricing. Much, much easier than the modeling we use to trade with.

5. What script platform do you use and what’s your DDoS backup?

We use a custom script and BlockDOS for our DDoS Protection.

6. More people start treating hyips as a gamble. How could you make a certain potential investor treat Harmonicmarket as something that will pay him off? Is there something special which makes this program really different in your opinion?

Our plan was to start with 6 months of backing capital based on our calculations of how many people would invest and what we would return at first. Incredibly enough, not a lot of investors initially chose to invest in the most lucrative products, so our 6 months of backing capital is now an estimated 18 months capital. This is even separate from our trading activity, which is returning us the usual top yield, as January was our best month as traders yet.

7. And lastly, could you share some of your short term and long term plans for the future with MMS readers?

We’d like to code in new Payment Processors possibly at some point, but part of our cost saving method is how we bulk exchange in and out of the program. So it’s an issue we are still discussing and mapping out financially. Obviously with only one digital currency, you are always out-exchanging the most you can at one time from your investor pool, so you receive the most favorable rate.

As far as future business plans, we are planning on expanding and adding a D Block for the most serious investors quite soon, with special privileges and one on one support from a higher level, and we are finishing training our live chat staff as well and plan to have them online in the next two weeks or so.

I’d like to thank Paulo for an interesting interview and the time he spent on it. I want to point out that my investment with his program is going extremely smooth so I sincerely wish him to keep up working at the same level.

That’s it for today guys. I will be seeing you more often here on MMS blog as I get better. Stay tuned and have a nice week ahead.

P.S. Today my warmest congratulations go to Canadian hockey players on their 8th Olympic championship. Good job, guys

Before I am going to proceed with this I’d like to announce some bad news concerning Vegamex as their website has been unaccessible for the last 48 hours and there has been no substantial update on what’s going on. I want to remind you that the last update was sent a few days ago and stated that the database was hacked and Vegamex was going to move to a new hosting provider. Whatever the reason is I can do nothing but to stick a problem status to it.
BTW though MMS has no link to InvestJoy I am warning you that despite the site is still up and running this hyip must be treated as a proved scam.

Ok, that’ll do. Let’s now get back to WellingtonFund and take a closer look at those answers Nigel provided to the questions I emailed him last week.

1. Will you please introduce yourself to me and MMS readers first. How many people are involved in running WellingtonFund?

My name is Nigel Wellington and I am the admin of WellingtonFund. Currently the fund is a very small company, operated by myself, my sister and one more individual employee.

2. Is this your first experience of running a high yield program and how did you come up with this idea?

I came up with the idea after quitting my job at one of the major banks in England. I had enough of the corporate world and wanted to make some difference for the average investor.

3.You have already been running for quite a long time. What helps you succeed and how are you planning to make WellingtonFund sustainable in the future?

The main competence that makes us sustainable is that we work incredibly hard. Each day we pour hours of work into the site to make sure that everything is running smoothly. Whether it be responding to emails, or working on managing the investments, we are committed to the entire project.

4. Would you please provide more details about your script and server security features. What kind of DDoS protection do you use?

We are currently hosted on Black Lotus hosting. Furthermore, we do not believe in using a “Script”. We have hired a programmer to built us a custom website.

5. Can you tell us a little bit more about your advertising campaigns? What in your opinion are the most efficient tools of marketing WellingtonFund?

Right now, we feel that our best marketing campaign is our free investment offer. This allows users to try out our site before they actually commit a substantial investment. We would far rather give away free investments to members than to waste thousands on advertising elsewhere.

6. Please tell us more about your investment plans. Are you sure they will be sustainable for many more months to come?

At the moment we have two investment plans. We offer the 1.45% daily plan and the Wellington Bond plan which pays a one time payout. Both are very reasonable, sustainable and will prove themselves through their future performance.

7. More people start treating hyips as a gamble. How could you make a certain potential investor treat WellingtonFund as real investment opportunity? Is there something special which makes this program really different in your opinion?

To be honest, whatever it is in life, you should always consider it to be a gamble. As we saw recently with the collapse of the world wide stock markets… even triple A securities, backed by triple A insurance firms aren’t without risk.

8. And lastly, could you share some of your short term and long term plans for the future with MMS readers?

At the moment we are planning on working to continue to grow WellingtonFund. We some day hope to have thousands of users who profit from everything that we have to offer.

Laconic, relevant and clear. Those 3 words are best associated with this interview in my opinion. I must admit Nigel does much more than he talks about and that’s some really good sign about this program. I’d like to thank him for his time while taking up this interview and wish WellingtonFund a long and successful run.

That’s it for today. More news and a review will be waiting for you tomorrow on MMS blog, stay tuned to that and have a nice day, folks

1. Please introduce yourself to MMS readers, Captain.

Hello Stan! My name is Captain Carlos Wink and I am the admin of the autosurf, Underwatersurf .

2. Is this your first experience in running an autosurf program? If so how did you come up with the idea?

Yes, this is my first time running an autosurf program, lol! I first came up with the idea when I was looking at the Rich Aliens website (you may recall the earlier version of that with the whole alien theme, am I right?) and then I said, “Hey, why don’t I create an autosurf program as well!” So I got together with my partner & we talked about it, and we each put in some money for advertising & the website, hired a designer, etc, and before you know it Underwatersurf is public and making money for everyone!

3. Why in your opinion does autosurf industry find itself in deep crisis and how you personally are going to change situation to better?

In my opinion, it is because the effects of 12DP are still taking effect on people. I heard from E-Commerce Journal that 12DP scammed people for $500,000,000? Of course that is probably a stretch of the truth, but you can see how much money people must have lost there.

I think what the industry needs is a nice brand new program that offers great interest rates & support, and is here to stay for a long time. That’s exactly what we are doing here at Underwatersurf .

4. Are you planning to add more e-currencies like Strictpay, Solidtrustpay or Alertpay in the future?

Well we started out with only Liberty Reserve, then we added Perfect Money & verified a Strict Pay account, so in probably around a week we will add the SP account to the site. The problem is is that I can’t figure out how to configure the API, that’s what the delay is from, lol!

5. Are you sure 12by12 matrix is going to be sustainable in the long run and members will keep getting their payouts?

Of course! We (my partner and I) thought long and hard on this. People need a classic 12×12 model in the industry again.

6. Is there anything else which makes Underwatersurf really special that you would like to mention here? Any updates, news, upcoming events etc.

I think the main thing that sets us apart from the rest of everyone is that we offer TOP OF THE LINE support for our members, I mean the Admiral (Donald) is always on the forums thanking people for posting their payments, I am always processing withdrawals several times daily, I usually answer support emails within 2-6 hours (if I am awake), and we are constantly coming up with new ideas to promote our program!

Like this past Wednesday was Wild Wednesday & there were tons of “activities” for members to participate in! Expect a lot more of things like this in the future!

I’d like to thank Captain Carlos for taking up time to conduct this interview and to be honestly speaking I like the way he decided to answer the questions. Though it’s the first attempt of running an autosurf Underwatersurf is still floating and we all can see it develops rapidly. All I sincerely wish is that it could keep the same pace and overcome those turning points from where many other surfs and short term programs usually fall down. Just focus on your members in the first place, Carlos, and they will love your project. Simple truth.

Ok, I will see you later tomorrow here on MMS with more views and thoughts in the upcoming “sequel” of the hyip market overview effective January 2010. See you all then, bye

1. First please introduce yourself to MMS readers and tell us a bit more about Santiventures .

My name’s Vikor Pepler, the cheif administrator here at Santiventures .I would like to start introducing the team from Joel Berk, our support assistant, he does pretty much work overhere, and our project coordinator Bernie Goldberg. Except the already named three there are 13 people involved in running Santiventures , 3 team leaders on top of 10 business/trading executives. De facto only 5 of them are full time venture managers working on a contract. A part of the work is freelancing or pay-as-we-go sort of cooperation.

2. Can you please comment on the investment plans Santiventures offers?

Santiventures offers a series of investment plans starting from as low as 1.3% daily profit and ending up 2.8% daily. The investment term is 150 business days for each plan. The first important thing is that the initial deposit is paid back upon completion for all Lite plan deposits. The second is that compounding option is also available and so can make a dramatic increase in total earnings. We also pay 1 tier deep 5% affiliate bonus to all our affiliates.

According to the interest rates those offers are more or less attractive as the returns are much higher than the regular bank rates but still they face strong competition from a rapidly growing HYIP community, in particular programs that offer high profits. The bottomline line is that Santivenures pays the money it claims to pay and that’s the main point. The investment plans are not final, we pay accordingly to what we earn. If we earn insufficient profit to pay the existing interest we will have to lower it. Lying to our members about splendid profitability or waiting for new deposits to pay old debts is not something I will come up with.

3. What about reserve funds in case of emergency, you know what I mean?

Yes,I do. Let me tell you that Santiventures is aimed at long term operation and cooperation with investors. With the help of our high reserve model we are able to reserve up to 15% of our total turnover from at least 60% of our forex ventures. This 15% is our emergency exit if something goes wrong. We also cooperate with risk management experts from the UK who proved to be good in risk assessment. And lastly, we deliver on quality and profitability of our service. Our members can confirm this.

4. So do you think that Santiventures is a top notch investment solution and deserves special attention?

During the last 2 weeks I have easily found at least 3 cutting edge investment management services similar to Santiventures . This means we have strong competitors who will help us develop accordingly. In my hubble opinion Santiventures is one of the special programs as it has got strong background in combination with horizontal diversification of members’ funds. But on the whole it’s up for a particular member to decide on what’s special for his money.

5. What can you tell us about your advertising campaigns?

We pay the most attention to our clients and their payout records. A happy client is a basement for good advertising. We want our members to be able to recommend Santiventures to either their colleagues or to their grandparents. As for the secondary sources we take part in hyip monitoring, forum discussions and anything a webmaster can offer. Our members also receive newsletters with the latest and updated information first hands to stay in touch with us.

6. Do you think your site is secure to use? I mean if I am not a savvy user can I have any problems with my account and money?

Sure. We have a DDOS protected server, 256-bit SSL encryption, sensitive data encryption built in the main script, we verify every deposit and payout manually but still if a hacker wants you and your money there is a chance he will get it. We did almost everything to protect our members but they have to take care of their personal security themselves too.

7. What are your short and long term plans for the future?

Steady growth and enriching more skills and circulating capital for the best sustainable returns. As a member you will be one of the first to learn about new features or announcements in future so stay connected. And many thanks for conducting this interview!

From the part of MMS readers I’d like to thank Vikor for spending time answering these questions. In my opinion it has got potential to become a hit of the year together with other great programs like FxStar, AtoxFinance, Betandtrading and others. And it would be absolutely reasonable to consider Santiventures as a part of your hyip portfolio in 2010.

I will see you back here on MMS tomorrow with more news, updates and thoughts as usual. Have a nice day, folks

1. Would you please introduce yourself first to me and MMS readers? How many people are involved in running AtoxFinance ?

Hello, my name is Alex Fontino, I am co-founder of Atox Fiinancial Alliance. I worked at City Group as a trader and now I am one of the three main minds, to say so, of this wonderful online business. In our business are involved more than 50 specialists that are skilled in financial, economical, analytical risk management and market trading areas. They came from 7 different countries of the world. The medium experience for the most part of them in the above mentioned fields goes beyond 10 years of activity. We started this team by luring the best people that we knew in the field and now we are one great team!

2. Is this your first investment experience of running a high yield program and how did you come up with the idea? It is our first investment experience in the online field made in such a big number, and I am referring to the enormous online army of people that want to earn some money by doing nothing. Not because they don’t want to work, but sometimes the wages that you receive in the real economical life are not in accordance with your will and talent to work. We thought about that also and we decided that we must try to offer our services to others also, so we started searching for skilled persons that could help us glue such a strong business like AtoxFinance . And here we are, at the bottom line of the construction race and at the start line of the earning competition!

3. What makes AtoxFinance sustainable in the long run apart from reasonably low ROI? Do you accumulate reserve funds just in case?

We always return the initial investment! So, not only that you will double or triple your money but also you will receive your starting fund with us. We are here for the long run because we showed you how we work and this brings in a high level of transparency which enables are users to be more and more confident with us and what we are doing. We have a Reserve Fund that insures the fact that we will not take money from daily trades from our users but we will allocate a daily amount of the total profit which will not pass over 15%. And by this, everyone of our investors will be secured for long and long years.

4. How can you assess your DDoS protection and script security? We are using, as our belief states it, the best company that there is now – Dragonara. Also we have our hosting with them, so that we can be assured nobody will succeed in stealing the money of our customers. The script has been made upon a strong analysis that we made on other companies that were attacked before. We had some cooperations with other companies in order to find out what should be improved. And we did it! We hope and we almost guarantee that we’ll have the lowest DDoS attacks that you will ever see! 5. Are you planning to add any of Alertpay, Strictpay or Solidtrustpay payment options in future to better serve your members? This depends solely on the need of our members. If we will feel that their fees are not a threat to our policies and the way that we are paying our customers, then we will accept them! Maybe we will accept some of them even before our users will require that, as we don’t expect that most of them have this courage, even it is restrained to writing a message to support and saying – “Hey, enable AlertPay!”. Every action that we take is made in accordance with the beliefs and expectations of our users. 6. Can you tell us more about the bank wire payment option?

We accept bank wires of at least 500$. Having this option enabled brings in a high dose of security, as the users can see the account number, store it or eventually make some due diligence related to that account. Also, we have the debit card option for investors who have more than 7500 usd. We thought this is the easier way for them to work with money.

7. More people start treating hyips as a gamble. How could you make a certain potential investor treat AtoxFinance as real investment opportunity? Is there something special which makes this program really different in your opinion?

Well, there is not just one “something special”, there are lots of! First of all, let me explain you that a hyip scam will never start to grow up his investment services or to upgrade something that will ease the life of the normal investors. We have bank wire function, reserve fond allocation, daily trading reports! This is way more than other companies have! If we would be sure that there are not thieves and bad people amongst you, we could have open our entire system! But, we don’t live in a perfect society, so we must be careful with our offers. Our investors, nonetheless, are the most special thing that there is with our company.

8. And lastly, could you share some of your short term and long term plans for the future with MMS readers? We don’t have short plans regarding our business. We aim high, and we plan to stay there. I know how disappointed some of you are. Some thieves used recently even the image of Jesus Christ just to pull out some money out of your pockets. Others are hoping that their lying numbers will blind your eyes, and some of them succeed. Our long term goal is to stop people from giving credit to those people and to enroll them into our regiment of non-corrupt earnings!

Well, to say the least I must admit Alex did a very good job by conducting this interview the way he did. First of all, this builds an image of a truly long term stable program aiming at high standards in this industry. Second, it is clearly seen the AtoxFinance team worked hard to bring this program to life which means they need not only investors’ money but trust and positive feedback from them in a very long run that can be earned by excellent payout records and customer service only.  This all makes AtoxFinance definitely worth being a part of your hyip portfolio in 2010.

That’s it for today. I will see you back here tomorrow as usual with one more interview of a long term program. Stay well, folks

Would you please introduce yourself first to me and MMS readers? How many people are involved in running FxStar?

Hello, dear friends. My name is John Braun. I am the administrator of FxStar project. I would like to tell you about the new investment company, which will be the hottest program for the next decade. Why do you have to choose us? We have a lot of advantages and features, which other companies only dream about.We have 4 assistants and 5 traders in our team and it is growing all the time.If you have any problem or question you can contact us via (Live Chat), e-mail (FxStar.support@gmail.com), skype (FxStar.support), phone (+44 020 32394391), inner e-mail system on our site (it allows you to write a message to any other user or admin). We work 24/7/365. We don’t have holidays or days off. There is always somebody, who will give an answer to your question.

2. Forex is dominating the hyip industry having become the major activity. When will your trading reports or trading performance be available for members to check it?

First of all you have to know, that we are real investment company, which performs real activity on the Forex market. Very soon you will be able to see legal documents at our website. Also we are getting ready to add our daily trading reports in order for you to control our activity.

3. Can you tell us more about VIP opportunities offered by FxStar?

On the 30th of January we will add VIP account with VIP opportunities. This account will allow you to do and see things, which are not available for ordinary investors.

4. What is FxStar kepper going to look like and what are the main advantages of using this product?

This program will allow you to manage your transactions without an access to our site: deposit, invest, withdraw, transfer money, see your referrals, transaction history, e-mail etc. This program will be installed on your computer if you wish. We are the first investment program, which provides this feature. We will improve it all the time. Our VIP clients will be able to use FxStar keeper 2.0, which will have VIP capabilities.

5. You did a really great job by becoming a verified merchant within Webmoney payment system. Are you satisfied with the cashflow? Is Webmoney really worth those efforts?

Well, we’ve added this payment system, because we want to be the best investment company for the next decade and we will add all the payment systems, which are available.

6. Are you planning to add any other e-currencies which investors already got used to, like Strictpay for example in future?

Yes, of course. We are going to add Bank Wire, StrictPay, AlertPay and SolidTrustPay. All the payments except for Bank Wire will be instant.

7. How can you assess your script and DDoS security?

We have a high level security system, which includes: DdoS protection by Dragonara.net, SSL protection by GeoTrust, protection of your personal data, SMS and e-mail notifications about every transaction in your account.Also we have unique completely new and custom built model of script. It has a lot of features, which will help you to feel maximum convenience.

8. What will be the advantages of joining Star Club which is going to be launched soon according to your website?

We want to make our own team of Partners, which will represent our company in other countries. Our club members will have a lot of advantages and benefits.

9. And lastly, is there anything else you would like to add or announce?

We are very opened and reliable team and you can always rely on us. We will help you to solve your problem no matter what. We want every investor to become the part of our team and huge international family. Thank you.

In my turn I have to thank John for his time and his answers. It is well seen that his program is going to climb right to the top of the hyip empire building in the nearer future.

I will see you later tomorrow on MMS with more news and updates so stay tuned, folks. And take care

1. Would you please introduce yourself to me and my readers?
I am Jarrous Sneisen, one of the administrators at GloTrade looking after the financial management and managing the website. GloTrade is run by a team of 4 trading professionals including me. For us, this is just the beginning and we are planning to turn it into a successful investment firm in near future.

Well, Let’s thank Jarrous for his rich sensible answers and yeah, let the upcoming year be at least a bit better than this one. Continuing with GloTrade today there was a new update from Jarrous on the account of the referral contest which was initiated a week ago.

We would like to announce the result of the first referral contest which stared December 7, 2007.
1st Place : ID #99, 2nd : ID #8, 3rd : ID #91. The prize money has been added in the member’s account and can be withdrawn immediately.

The second referral contest is going to be even bigger to celebrate the festive season – It is going to be “Mega Referral Contest” starting December 15, 2009 and ends on December 25, 2009.
We are giving away a Prize Money of $300 -
1st prize : $150, 2nd prize : $100 and 3rd prize $50.

We invite everyone to take part in this promotional contest and win big!

We would like to make another announcement that we are going to stop accepting deposits in the GT20 plan. As everyone know, GloTrade’s motto is “Get Your Money Doubled in just 40 Business Days”. So the GT20 will no longer be available from friday, December 18, 2009. GT20 was just a promotional plan and GT40 is the one which guarantees the stabililty and sustainability of our program.

We have received many requests to add AlertPay as a payment option to GloTrade. We have no idea of adding Alert Pay as it seems to be facing some problems with investment programs in recent times. We may consider it in future though.
However, we are getting ready to accept bank wire as a payment option. The process is almost done. If everything goes well, we will start accepting bank wire from December 21, 2009.

Thats all for now. Have a nice day.

Moving on to some unpleasant news as for today. Some of you might have already noticed that I removed MoneyCare from my list as I read and found reports of delayed payouts and customer support problems. I absolutely don’t mind if this is just a temporary glitch in their system but that’s a bad Christmas sign and we all know what this usually means.

Unfortunately for me I was right in my scarcities about Finance-Aig program which seems to have stopped paying today. Too good to be true:( The problem status was first placed on Goldpoll and later on today I received a few emails confirming that the payouts are no longer processed. So stay safe and beware.

A popular “Christian” Sam Serino from CashTanker is still sending out newsletters not only about the status of members’ accounts which have not been paid for over a week so far but he as well attempts to rehabilitate himself by promising to handle all the current disaster by Christmas.

Dear Investors,

I have a good news for all of you.
Now I am 100% prepared to complete all the withdrawal orders you have already ordered.
I would like to apologize for not responding to support requests, was very busy those days.

1. ALL WITHDRAWAL ORDERS WILL BE PROCESSED FROM 20th – 25th of December 2009
2. You can cancel current withdrawal and order a new one, if needed.
3. ALL Strictpay orders will be cancelled because this payment system blocked my account and stolen all the funds, moreover
they are running away and won’t be able to complete all the withdrawal and information about a new Bank account is bogus.
Please don’t worry and order withdrawal to LibertyReserve, PerfectMoney, EcuMoney or Bank wire. And I recommend never use
Strictpay again in the future, they are scammers.
4. Reinvest button will start working 1st of January 2010, you can leave any amount at Cash Available balance.
5. Next investment term 1st of January – 25th of December 2010, payments from Monday – Friday. Compounding CAP is 800%,
after reaching this limit – daily non compounded interest only, calculator will be updated after 25th of December 2009.
6. CashTanker will go PRIVATE after 1st of Janurary 2010, and only 5 referrals will be allowed. If you have more than 5 referrals
already you won’t be able to refer nobody and they will stay with you.
7. Referral commission will be paid if your referral reinvest for the
next year (after 1st of January). Minimum to reinvest for the next year – 25 USD.

Blessed day,
Sam Serino

If you want my opinion I will make it laconic, that’s too good to be true and over again we all know what this situation means. Some extra cash for admin and some extra loss for those who invest. Just correct me if I am wrong.

Tomorrow I am going to review another hyip program which I was planning long time ago, XagaEnterprise. And of course, more news and updates from the insudtry. Take care and see you soon

1. Would you please introduce yourself to me and my readers?

Hello, MMS readers. My name is Peter Warner and I’m the Admin of OneDailyPro.com project. Actually I have worked for in the HYIP industry for a long time and have quite good experience. Every day I do as best as I can to provide best service for all of our clients.

2. Have you been personally involved in foreign exchange market activities before Onedailypro started? If so, for how long?

In my turn I’d like to thank the admin of OneDailyPro for taking this short interview and wish this program long life online so that we could profit More news and updates are still to come, so stay tuned with MMS