GoldNuggetInvest Newsletter January 29th. 2009

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




GoldNuggetInvest Newsletter


GoldNuggetInvest Newsletter January 19, 2009


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

IncoForex Interview



Hi, what is your name and your site url? Please introduce yourself to the Readers and Followers of HBMonitor Service Ltd.


Hello, my name is James Acetta, I am representant of Customer Support Care and also Global Investment Assistant. I made my studies in Columbia Business University and 2 years ago I was hire do represent IncoForex and to help investors decide wether they are going to invest with us or not. And I think I did a good job so far. You can email me at james@incoforex.com and I guarantee that I will answer as soon as possible.

Please tell us about your own role within IncoForex. Tell us about your business, who works in your team?

I've already touched that subject in the first answer. I am working with 2 colleagues of mine in this sector, their names are Dianne Slige and Andrew Sokolov. We daily face with new challenges and try to overcame them by team work. We don't trade but we clear people's minds in order for them to make the right decision. We understand what are the daily risks in this online universe and this is why we have patience and understanding for all our clients.

What can you tell us about your experience in running an online investment program?

IncoForex is my only experience as employee. But I must say that I also invested and searched for paying programs when I was still a money-making-opportunities seeker. I lost a lot to those well-known ponzi and scams and I never realized I can be a part of the best solution for stopping all those scams until I started the work with IncoForex. We have a gorgeous team of traders and I must say that I am just delighted working in the office for IncoForex.

When did you start? Why do you start an investment program?

We are launched officialy on the online field in May, last year. We started then because then was the finish line for all the work that has been done before of that. Why? Everyone keeps asking this. Let me give you an example - you have 6 other friends that are traders, and you start with 10 000 dollars. In the first year you have like 200%, so the following year you start with the amount doubled. After that, you realize that someone needs to take care of legal sector, fiscal sector. After that, you decide that if you had 10 000 000$, it would be much easier to handle all these problems, you go online, accept investors from all over the world, give them a share, keep one for yourself and this is how you achieve wealth! Because more money brings huge money!

Are there any drops in overturns on the score of the world crisis?

The crisis affected those who made loans, credits and stuff like that. We didn't make any of that, and sure thing, on Forex there doesn't exist such thing as loans or credits. There is just a biiiig amount of money ready for some guys to discover a sure way to lure them! And we are those guys. You can be our partner with so little. It is the end of huge money dealing platforms, we are open for everyone. The world crisis didn't affect us and it won't affect, just on the case when money will disappear, and this won't happen in the following 200 years, for sure!

And now let's talk about Plans:
What are the investment plans you are offering investors?

We have very flexible plans and with this interview I want to announce that we will add 5% to each type of investor and reduce the Insurance Fond Allocation as our tradings showed us there is no need for 15% of insurance!

Daily profits credited to user accounts are calculated using the following formula: "Investor's Share", times "Company Daily Profit" (shown in "Trading Reports" Section), divided by 100.


Investment plan

Investment amount

Investor's Share

Company Renumeration*

Insurance Fund Allocation

Total

Basic

10-3500$

42+5%

43%

15-5%

100%

Medium

3501-7500$

47+5%

38%

15-5%

100%

Standard

7501-15000$

52+5%

33%

15-5%

100%

Advanced

15001-25000$

57+5%

28%

15-5%

100%

Expert

25001-50000$

62+5%

23%

15-5%

100%

Platinum

50001-100000$

70+5%

15%

15-5%

100%

VIP

Over 100 000$

80+5%

5%

15-5%

100%



What are the minimum and maximum amounts to invest?

As you can see, the minimum amount is just 10$ and maximum over 100 000$. We didn't choose to set the minimum investment to 1 or to 5$ as it would have been very difficult to deal with all those micro-deposits and it would slowed down our activity.

What payment processors are you currently dealing with?

We are accepting bank wires, Liberty Reserve, PerfectMoney and EcuMoney. But, if there are many users who require additional payment systems, than we will add them! If you don't have money in those payment processors, there is another hope! Just send an email to support@incoforex.com or james@incoforex.com and we will let you know if we can arrange an exchange for you.

Are payouts automatic or do I need to request them?

At this moment, you have to request them, but we assure you that we will make them automatic in the near future.

Is the principal included?

Yes, the principal is included in all the investment plans.

And what about Company’s commission for early withdrawal?

We strongly don't recommend such request, but if you are in a hurry, to say so,you can, but unfortunately we will have to impose a 35% emergency withdrawal fee for such requests.

All of us know that even the most qualified security systems can be broken under attacks of violators and if such situation happens for customers time turns into an agonizing wait.

Yes, we also know that, this is why we hired our own IT team of professionals and we also have good relations with Dragonara. Each log in is encryptd and all the passwords are available only for the users who taps them in. We have among our team people who think like hackers and they can gues where the thieves will hit.

What can you tell your customers in case your site will become unavailable? Where do they have to appeal to first of all?
Are you on a dedicated server and how protected are you from DdoS attacks?

We are on a dedicated server of Dragonara and so far, we didn't have problems with DDoS attacks. There were just hackers who tried, but no luck. We bought our special place there and we now sleep more comfortable knowing that we are secured :)

What kind of customer service and support do you offer to investors?

As I said in the beginning, I am Representant of Customer Care. We offer phone, fax, mail support. We don't use live chat as we feel the traditional ways are the easier one, and if someone has a real trouble or curiosity, he will call or send an email. On Live Chat you can hire anyone and put him memorize some set of questions. On phone it is another thing - you hear the voice, the emotions.

How have you been promoting the program so far?

Of course! Each and every business must make advertising in order to have an image. But our best promoting tool is our sincerity and credibility. Time will prove that we deserve one of the top places in online investment field. Actually, our own users are promoting us, from mouth to mouth and post to post. They are the most developed advertising wave that we have!

Do you have a physical office/address for your program/company or do you operate from home?

There exists a physical office, and the address is 8 Copthall,Roseau, 00152 (Commonwealth of) Dominica. But, knowing the nature of this business, I must tell you that we all travel a lot. So, if you want to visit us, you must schedule an appointment. But, we will be keeping a conference with our investors in May or June, and you will be all invited to party then!

Can you give us any statistics on the amount of members and the total amount deposited?

I'd give you details, but I can not! I know this sounds weird, but it is real. Our company's policy doesn't allow us to spread information like that.


If you had just one thing to say to potential members to convince them to give you their money, what would it be?

It would be - Truth. We don't try to lie our members, to convince or to lure them into a ponzi or scam. When I look around and see how many there are, a terrible headache begins. I mean, those people don't have dignity, sense of morality, nothing! I remember the latest CashTanker scam where all the sheep-members believed into the oathbreaker, and Jesus design maker. Thousand have lost their money, but i must say that they had a part of the fault. You just can't trust a website with such a design. So, Truth it is!

We would like to know your plans for the future. Will you launch any new investment products and what will you offer to the Internet users to satisfy them except your proved stability?

So far, our investment products are locked as we register profit. But, as I said upper, we already made a small change and we are offering 5 more % to all our users, because our tradings seem to be very clean and secure, without a threat to loss. With our evolution, our members will evolve also!

What’s your opinion of the online HYIP industry in general?

It is already associated to ponzi or scam. I don't like this tag that has been made for IncoForex, but what can we do. I know that 99% of HYIP sites are scam, and believe me, if I was a regular guy who saw for the first time IncoForex I didn't belive in its services! But, since we offer the opportunity of receiving emails if you don't have an account with us, in time i would have realized that this may seem real. After the first withdrawwal, YES! would have been the scream!

What is your opinion about our Blog\Monitor, HBMonitor?

It seems like a nice community of people who want to earn from the online opportunities. I hope our offer will enlighten their choice and also improve your site's content!


Dianne Slige
Support Department Manager
IncoForex Inc.










GoldNuggetInvest most important update of all

Re-organization of the GNI Project






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

DreamTeamMoney

DreamTeamMoney approved Monitor


We' re proud to say that we've been invited to add our Monitor to the list for the Best Reputable Hyip Monitor of the World.

DreamTeamMoney Staff reserved us a special Exclusive Personal sub forum here :

http://www.dreamteammoney.com/index.php?showforum=160

and allowed us to publish DTM Reputable logo on our main page.

That's an award for all our efforts.

Thank you ALL.

GoldNuggetInvest,waiting for an Important Update

All GoldNuggetInvest Members are waiting for a very important Newsletter from Robert and Jurgen on the next Weekend.



We are supposed to send out the newsletter by tomorrow evening, Friday morning latest – so members will have time to digest it over the weekend.
We are aware that this is a very crucial time for our project – but believe me, we will fight and work hard not only to survive, but to be there for our members in the long run.

Take care and best regards, Robert

WBwso,new Packages and links

WBwso Latest News





Vacations are over and we are taking advantage of the lower prices we saw on some quality websites in December and the start of this year with the launch of not one but three new packages!

A new WealthBuilder package.
This one is a "sure bet" of financial related websites. Concentrating on loans and credit card sites. As always a long term package with high return!

A new WebSiteInvestment package,
starting at the normal 8% per month in return with the aim of an increase. Minimum 3 months term only (even if we recommend you hang on to it for longer since it is normally after the first 3 months that we see an increase in the return on this type of package).

A new FlipSite package.
This is short term (8months) with weekly payouts of 3.2%. We are trying something brand new for WBwso here. Using the systems we already have in place we this time concentrate on selling "new made" websites that has not yet been monetized in any way. We build them, index them and sell them. Buyers are most often other webmasters who are looking for sites to create links and traffic to their main sites but also "newbie" webmaster looking to build up a network. Cheap to create with a good return for WBwso and the owners of the package!

Old packages are on track and on budget with only one WealthBuilder package just under budget in results, but this is most likely due to seasonal flux. However we added some more links to the authority sites in this package and hope for a swift recovery and quick increase in income and value on it.

Monday the 11th of Jan also saw some downtime on the main WBwso website. This was due to a DNS error by our main domain registrar Enom. The domain wbwso.com was down for over 2 hours together with an estimated two million other domains effected by the same error. To avoid future complications when such things happen we installed a separate "info" website on www.info-wbwso.com .
This website is also hosted on a different server and uses other DNS servers just so that we can communicate with members if there is a future error on the main site. Bookmark it so you know how to find it. Errors always happen on the net and it is then good to be able to spread the correct info quickly. You can also follow us on Twitter for this type of info @ twitter.com/wbwsoLTD.

Log in to your WBwso account today and read more about the new packages!

Yours,

Team WBwso

Twitter Quick News

In the last 24 hours,I was paid by the following programs:

PanaMoney , WBwso , GeniusFunds , NanoMoneyCorporation , OneDailyPro

Do not forget to check daily our Green List =
Paying Programs List published daily among HBMonitor QUICK NEWS .

Now avalaible on our
Twitter Account.



Alexa Rank

Hello everybody!

Our greetings to all HBMonitor Service Ltd. Readers and Followers !

We' re proud to say that our Alexa Rank has increased strongly in the last 3 months !

It is our third year online and we are going to make the best we ever had before.

We would like to thank all of you who was with us all these months and promise we'll keep on the good workin'

Our work was full hard times but they never made us quit it or stop moving forward.

We are sincerely hope that this year would be very successful and full of interesting surprises for you.

THANK YOU and Happy New Year to everyone!

GoldNuggetInvest Update

GNI Newsletter January 6th. 2010





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.

StableInterest on WAITING Status

We would like to warn all our readers that StableInterest stopped paying a couple of days ago and so far we have heard nothing from the admin to explain the current delays.

So we had to move the program to Waiting status on our monitoring page and on our blog.
In our honest opinion, there were too many warning signs recently in the program which we simply can’t ignore.
Yes, we might be mistaken about the program but those who prefer to be safe than sorry will stay away from depositing in StableInterest for now.

There is no use of jumping into conclusions and we hope it’s just a temporary thing.

NanoMoneyCorp phishing attempt

-RED ALERT-

Fake NanoMoneyCorp phishing attempt DETECTED

DO NOT OPEN any e-amil coming from Nanomoneycorp adm@nanomoneycorp.com

It's a fake and may contain viruses.

Just don't open it.

NanoMoneyCorp Greetings

04 January 2010

Greetings!

Dear investors and partners.
We are glad to see you there and wish you a Happy financial year and full of prosperity.
It is our forth year online and we are going to make the best we ever had before.
Our work was full hard times but they never made us quit it or stop moving forvard.
We are sincerely hope that this year would be very successful and full of interesting surprises for you.
We would like to thank all of you who was with us all these year and promise you make you really rich.
Merry Christmas and a Happy New Year to everyone!

HBM Review [updated] HERE