Management Team

The offices are based in Karaiskasis Street, Limassol, Cyprus. To cover Asian markets, they also opened an office in Hong Kong. On support page are listed several phone numbers (+357 25 025067, +44 207 855 0844) where you can reach them along with an email address and a live chat available 24h/24h for customers or prospects.

Investment Plans

Currently there are 3 investment plans available: Emerging Markets Growth Fund, World Bond Market Fund and Genius HYDA. The plans have similarities and differences being shaped, in my view for different kind of investors so make sure you choose the plan that fits your profile.

• Emerging Markets Growth Fund pays a daily interest rate that range from 1% to 1,9% based on the amount you invest. If you spend between $10 and $500 (buying Common Shares) you are entitled to earn 1-1.2% daily.If you spend between $500 and $5000 (buying Preferred Shares) your daily rate varies between 1.1% and 1.4%. Premium Shares may be bought for at least $5000 spend and entitle you to earn a daily rebate between 1.3% and 1.9%. The bought shares can not be sold for a period of 150 days. Most investments are made in countries with S&P Rating BB+ or higher. Stock investments are diversified across many industries, with a high focus on the country’s leading industry (producing 20 or more % GDP in some cases). For example, the fund has chosen the KASE stock exchange of Alma-Ata, Kazakhstan (S&P BBB rating), where it had heavily invested in the energy market.
• World Bond Market Fund pays a weekly interest rate that range from 6% to 9% based on the amount you wish to invest. If you spend between $10 and $500, buying Common Shares you may earn up to 6.5% weekly. If you spend between $500 and $5000, buying Preferred Shares you may earn a rebate between 6,5% and 7% weekly. If you decide to spend more than $5000, buying Premium Shares you earn up to 9% , maximum for this plan. The shares your bought can not be sold for a period of 150 days. The fund’s assets are mainly placed in high yield bonds, providing individual investors with access to a bond market that is usually available only to institutional investors.This fund is especially attractive for investors seeking regular, continuous income on a long-term basis.
• Genius HYDA is a fixed interest deposit account. The interest earned depends on the amount you deposit in this plan. For amounts between $300 and $2000 you will earn 14% monthly. $2001 to $5000 will earn you 18% interest per month. An account balance of between $5001 and $25,000 will get you a fixed monthly income of 25% interest on your deposit. There is no term deposit on the account, which means that you can withdraw funds from your account at any time. The interest is payable daily. A ten-day notice must be given prior to withdrawal from Genius HYDA.

Sale transactions valued under $200,000.00 (200,000 shares) are processed immediately. Sale of shares valued at more than $200,000.00 (200,000 shares), may involve remittance of some of the investment fund’s assets.

Payment Processors

You may deposit and withdraw funds using LibertyReserve, StrictPay, PerfectMoney, SolidTrustPay, AlertPay, and bank wires. Please notice that your minimum investment will vary according to the payment processor you use. You can deposit a minimum of $10 if use Liberty Reserve or PerfectMoney. You may only deposit a minimum of $50 if use AlertPay, SolidTrust Pay or StrictPay. Bank wires are only available for deposits of $500 or more. Liberty Reserve withdrawls are processed instantly without any waitings on your end.

Hosting & Security

GeniusFunds is hosted on a dedicated server provided by BlockDos.net. This hosting company is recognised as a leader in DDOS & Security hosting business. The geniusfunds.com domain name was registered in 2004 and expires in 2014. Of course management team may extend this date any time so no worrie. Speaking about security, we need to add that GeniuFunds use a Verisign SSL certificate for secured connections so your information are kept secure.

Overall Performance

Speaking about performance GF is definitely a winner and in a way or another will make history. We monitor this program for over 500 days and saw a perfect track of payments, improvements and support for its investors.Checking the forums and using private statistics, we’ve seen an increase of investors number in the last couple of months.

Conclusion

GeniusFunds is a successful investment program that can surely return resonable yelds for your deposited funds. Till now we got around $3000 in profits and we keep more than $2000 in active deposits. If you have not made an account yet I encourage  that you do so now and enjoy the benefits that it offers. We predict at least 9-12 months of operation without major issues.

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2. NextGenMarket

Management Team

Incorporation documents along with operatin license are available for download on their site, which show transparency. According to this papers the president of the company is Fernando Enrique Montero De Gracia and the secretary is OIS NOMINEE SERVICES INC , a PanaMa registered company. You should know something: In countries like Panama,Costa Rica, Vanuatu and other like considered offshore is possible to put the name of a local citizen as president but the true owner of the company to be a different person. That’s perfectly legal and that’s how this offshore companies work.

Panamoney declare to operate in Intraday Trading, with a staff of about 20 professionals skilled in various fields like investments, market analysis, software engineering and customer support.

Their offices are in Republic of Panama located at this address: 50th Street, Global Plaza Tower, 19th Floor, Suite H,Ciudad de Panamá, República de Panamá. You can reach their offices at this phone number: +507 202-1597

Investment Plans

The company offers 8 investment plans. Unlike other programs , PanaMoney have a larger variety of plans making accesible for all type of investors: newbies,intermediate , advanced or high rollers that deposits more than $20,000. The interest rate is variable based on their every day trading results.

• Trial Plan is definitely for newbies, or members that wants to actually get their 1st payment from a program before deciding to put in more. Maximum daily interest is 0,5% and the term is set to 16 business days. So you may end up with 8% profit in just 16 bdays.  Minimum deposit is $30 and maximum is $49. Total return: 108%
• Beginner Plan is for members that want to make a profit in this arena but still do not have too much money or are afraid to invest more.With 1% maximum daily interest and 100 business days trading term this plan double your money in 100 bdays. Initial deposit returns after maturity. Min deposit is $50 and Max deposit is $99. Total return: 200%
• Standard Plan is in my opinion for HYIP players that want to extend their return investing online or beginners that want to reinvest profits.You may get up to 234% profit of your investment as the max daily interest is set at 1,3% and the contract term is 180 business days.Min deposit is $100 and max deposit is $999.Initial deposit returns after maturity so the total return is 334% in 180 bdays.
• Intermediate Plan is for members that want to make a living online. Minimum deposit is $1000 and meximum is set at $4,999. The max dadily interest is set at 1,6% and the contract term is 180 business days. Investing in this plan returns you after 180 business days up to 288% profit and the total return is 388% in 180 bdays.
• Advanced,Professional,Expert and VIP plans are for serious investors as the minimum investment range from $5000 to $20000 and the interest rate from 1,9% to 2,8%. For all this plans the contract period is 180 business days. Investing in one of this plans will return you from 342% to 504% in 180 business days. Total profit range is 442% to 604%. I know this returns looks so attractive for you but please keep in mind that you may loose part of your funds if something bad happens to the company.Let’s face it $5K-20k is a lot of money.

Something good on all this plans is that you may withdraw your principal anytime you wish, the company will charge you a 12% fee. You may think that’s kinda high but on the other hand you can lower risk or use the funds on other more profitable businesses.

Payment Processors

You may deposit and withdraw funds using Liberty Reserve (our favorite), StrictPay , Perfect Money and BankWires.The minimum amount of deposit via e-currency is just $1 but you should have at least 30 USD on your Current Account to open an investment plan. The minimum amount of deposit via bank transfer is $1000.

Hosting & Security

PanaMoney main domain name was registered in 23 Apr 2008 and is set to expire is Apr 2018. Of course they can extend it anytime.Server security is taking serious by this company as they are hosting the site on BlockDos, one of the leader companies in DDOS protected hosting. Also all connections are encrypted and secured using a COMODO SSL certificate. In all this time I haven’t had any issues loggin on the site or experiencing any downtime so hats off for the tech guys.

Overall Performance

We monitor this investment fund since April 2008 and we have only good words to say about it. They never missed or delayed payments, support tickets have been answered in max 24h.Checking the forums and using private statistics, we’ve seen an increase of investors number in the last couple of months.I’ve also added the ALEXA graphic chart . From this chart you see that page reach number of this site has slowly increased in 2009 but in 2010 simply exploded so its plenty of room to grow.

Conclusion

PanaMoney is a good paying program, built to last,we got around $2500 in profits and we keep more than $1500 in active deposits. Do not forget that high yields also means high risks so do not invest money you need for living or money that your expenses depend on.

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Introduction

Recently, NextGenMarket finished the procedures to incorporate a company in Commonwealth of Dominica called NextGen Ltd. Also there are some recent updates and developements including a non surfing plan that should be mentioned so I decided to update myreview on this powerful program. If you are not yet a member you are missing it big time. Read below to find out why.

Management Team

NextGen Market is managed by Witold Nowicki, from Poland which is also the full owner of the NextGen Ltd. company registered in Commonwealth Dominica. Besides the employees that helps him with support and payments he is also in charge with the management of a programmers team that ensure everything works smoothly on the website along with development of new features.

If you want to have a chat with Witold you can PM him on TopGold Forum , MoneyMakerGroup , Cif and few other forums where I’ve seen he is active answering members questions and posting updates. Austin from ExtremeSurfs posted an interview with Witold. You should read it here.

Investment Plans

There are 3 membership plans available on NextGen Market and I will do my best to show the pro and cons of each one so you can decide which one fits your investor profile.

• Starting account – This account do not require any purchase being totally free for users but the earnings opportunities are very limited. As starting members you earn 5 cents daily for surfing the required number of sites (currenty set at 20), earn advertising credits and money in ptc ads. Advertising credits are good to advertise your websites in the sites rotator. You are alowed to add only one website so choose wisely what opportunities you want to promote. This sites rotators where members visit other users’s sites or sites posted by admin are very powerful and I personally got a quite good amount of affiliates to my sites and readers to the blog. As starting members you are entitled on a 2% affiliate commissions for all purchases done by your affiliates. If you have any affiliates that make purchases I suggest you to urgently upgrade to Business account as the affiliate commission is set to 10%. If one of your affiliate is upgrading $100 you get $10 in commissions on Business account and only $2 on starting account.
• Business account – All you have to do to get Business status is to purchase at least 1 share. Each share costs $10 and currently you may purchase up to 1000 shares ($10.000). As Business member you earn a daily rebate up to 6% each day for your purchase. The min. daily rebate is capped at 2% so doesn’t matter what, you can not earn less than 2% daily. Personally I think the cappes are wise chosen ensuring  a long stability of the program. There are 3 cashouts allowed every 7 days period. Another nice feature is the option to purchase shares using part of your earnings (term called “compounding”). Using this you can grow rapidly your shares portfolio ensuring even more profits for your shares purchases. The shares expires when they reach 150% total earnings. Just to be sure you understand how this works I will  give you an exemple. Today I’ll purchase 20 shares, paying $200. Each day I surf the required number of sites I earn up to 6% of my shares portfolio: that’s $12 daily. In 25 days when my shares will expire I  will have a total of $300 in my account. As I’ve said the earnings can be withdrawn 3 times over a 7 days period so you do not have to wait till the shares expires to get your earnings.
• Investor account – In my opinion this plan unlock all the features of NextGen Market. For a monthly fee of just $10 you get INVESTOR status and you are not required to surf daily in order to earn rebates, exactly like an investments fund. All you have to do is purchase the VIP membership , purchase shares and watch your income grow. Of course if you want to surf for credits so you can advertise other websites you are free to do so. All other features are exactly like on business accounts: 10% affiliate commissions, purchasing shares with your earnings, 3 cashouts in a week etc.

Affiliate Program

NextGen Market have an affiliate program for members that want to earn commissions promoting the program. I suggest you to become a Business Member before starting the promotion as you will earn 10% comissions while as STARTING member you earn only 2%. Also Business members are entitled to 3 cashouts every week so you can withdraw your commissions more often.

There are numerous promo tools including splash screen (check one here ) and nice looking banners with different sizes: 728×90,125×125, 468×60 and 160×600.

Payment Processors

You pay purchase shares or withdraw cash using LibertyReserve, AlertPay, SolidTrust Pay , Strict Pay and  Perfect Money. As you may know from reading my other reviews I’m always happy to see programs accepting AlertPay, StrictPay or SolidTrustPay as this payment processors requires ID to verify the owner in order to approve the account.

Hosting & Security

Doing a little research on the site found that nextgenmarket.com domain name was registered on December 9 2009 and is available till December 9 2011 , being registered for 2 years. Usually admins register the domains for only a year so it seems Witold have long term plans for his business. NextGenMarket is hosted on a dedicated server rented from BlackLotus. This company is recognised as a great DDOS protected hosting provider so hats off for admin. He did his homework before launching the program. Website design is quite attractive stylish but still business with WEB 2.0 elements.

Speaking about security I was pleased to find on the site an IP sentinel so users are prompted to enter a PIN sent on email address if they login using a different computer. You should activate this inside your accounts settings. I did it just in case. Also the withdrawls are manually verified and processed.

Overall Performance

I’ve signed up on NextGen in first days of operations and till down I got numerous cashouts each of them in max 24 hours since request. Currently the program have 660 members which is pretty good for only 30 days of operations. I see members promoting NextGen everywhere including forums, blogs or traffic exchanges so definetely NextGen will become a huge program sooner or later. Judging by all the numbers and the review I predict this program will last at least 6 months or more so there is plenty of time for you to bank on profits.

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Management Team

George Greenberg is the admin of FxEuro and he is doing most of the duties on the site: forex trading, support and payouts. There is another person that helps him with daily dutie but is not part of the team. In future he says that may hire more staff to make sure things are take care in a professional manner. At the present time they did not registered any company and all the transactions are done through the website. George is using FXOpen broker to trade in the forex market, and he says that have good results from them. Another think that made him choosing FXOpen is the option to add and withdraw funds from this broker using Liberty Reserve and other e-currencies.

Investment Plans

FxEuro offers 3 plans available for investors and each of them is different so make sure you check them well and choose the one that fits your profile better:

• Daily plan – Earn 0.7-0.8% each business day (mon-fri) for 180 days and the principal is returned when the deposit expires.Total ROI is 226-244% after 180 days and profits are credited to your account balance daily. Min deposit for daily plan is only $10 and the maximum is $4000.
• Weekly plan – Earn 6-7% weekly for 25 weeks and the principal is returned when the deposit expires. Total ROI is 150-175% after 25 weeks and profits are credited to your account balance weekly.. Min deposit for this plan is $10 and the maximum is $4000.
• Monthly plan – Earn 25-27% monthly for 6 months and the principal is returned after the deposit expires. Total ROI is 150-162% after 6 months and you may cashout your profits monthly. Min deposit for monthly plan is $10 and the maximum is $4000.
• Top Earners Package – Earn 7-7% weekly for as long as you keep your deposit in the program. The profits are credited to your accound weekly. Min deposit for this plan is $100 and the maximum is $20,000.

You may withdraw profits from your balance daily and all plans offers the principal (initial investment) back to investors after the deposit matures. Most profitable plan on a closer look seems to be the weekly plan as offers a ROI of 150-175% that is higher than daily plan and monthly one and you get the profits credited to your account weekly. On the other hand the Top Earners Package is attractive as well but the min investment is $100.

Affiliate Program

For all investments done by members from your downline you earn 6% affiliate commissions. This is pretty good considering the rates paid by nowdays programs. Also the cretives (banners) you will find insider members area are pretty eye catchy and will make users signup so you may have a pretty good rate of signups. The comissions may be withdrawn right away.

Payment Processors

Currently you may deposit and withdraw funds using Liberty Reserve and Perfect Money. There are no fees for transactions. I think George is accepting only this 2 payment processors being limited by the forex broker. However I see that FXOpen also take AlertPay and C-gold so he may consider accepting this payment processors as well.

Hosting& & Security

FxEuro is hosted on a secured server with DDOS protection provided by BlackLotus Communications. BlackLotus is a powerful hosting company and many of the big dogs in the industry,including SolidTrustPay payment processor use their services. To protect customers data the website use a SSL certificate provided by PositiveSSL. I’d like to tell you that website design is pretty good. I’ve seen better ofcourse but this one has something special, fonts used are easy to read, colors used are eye catch. Also George installed a forum at http://fxeuro.net/forum/ where he keeps in touch with the members.

Overall Performance

Started on September 29 ,2009 FxEuro worked flawless till now , never missing a payment to members. Speaking about members, thare are 710 registered accounts at the present time. The return rates may seem kinda low for you but keep in mind that FXEuro is claiming to be a fund that trade on FOREX market generating real profits not a ponzi scheme. In forums there is a special category where George posted screenshots of his trading account.

Conclusion

I suggest you to consider this program for your portfolio as is always good to diverisify your funds. You know the golden rule of HYIP industry: Don’t put all your eggs in same basket.

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Geniusfunds say thatThe funds have been wired to MSF this morning (21.01.2010)

This are great news and I’m impressed to see they get involved in this kind of things. If you are making money online you may consider to donate part of the profits to the unlucky ones: people from your community , your country or to 3rd world countries. Is always nice to help, doesn’t matter if is $10 or $10,000 someone will appreciate it.

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1. No shortcuts – In online investments there are no shortcuts and in order to be successful. If you made profits without researching a program it was only a matter of luck or as others say ” beginner’s luck”. Hard work and time spent doing research is a must.
2. Not being practical & analytical - Avoid by any means being emotional when doing online investments. Even if you like the design of the website or you see a lot of great testimonials you sill need to research the opportunity making sure to the claims are true and fits your risk profile.
3. Full Time Investor – I know you dream to have your online portfolio that will make enough money for you so you can take the day off but this will not happen soon. Make sure you keep your job or do other jobs that will produce revenue for your regularily. This time you will not have to take higher risks when you can’t find any good opportunities that worth your money or the industry is in recession.
4. Inexperience – Start with small amounts in each program and gradually grow your portfolio. Higher investments doesn’t make the profits safer.
5. Loosing focus after a loss – If the opportunity you decided to trust with your money wasn’t what you expected and you lost your money don’t get desperate. Everyone lost funds, especially at beginning. I call this “learning curve cost”. So simple research more next time make sure you choose a legitimate opportunity.
6. No Strategy – Investing online without a strategy or a money management system is exact like going to casino and bet at once all your money at rulete on number 0.
7. Do not act accordingly – Having a plan doesn’t guarantee 100% success. You need to be prepared to change your strategy anytime and act accordingly. If the administration is delaying payments , giving a lot of excuses do not answer support tickets in a timely manner maybe is time to withdraw your funds till the situation gets back to normal.
8. Being Impatient – Do the right timing and do not cut steps in your strategy. I know you know money fast but slower is better than to loose your funds.
9. Anxiety and Desperation – Relax, invest safe and follow your strategy. If you have a couple of losses in a row is better to take a break , reevaluate what you did wrong and comeback latter when you are in a good mood.
10. Do not invest more than you can afford to loose – This is the most common mistake and in my opinion the worst. So do not invest money that you need in coming period for shelter, food or holidays. To avoid stress or hard looses start with money you can dispense.

Thank you for taking the time to read this Top and please post your opinions using the comments box.
Jeff

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