For this article of today,i would like to review West-wood,that has been launched precisely on December 3oth,2010.With,already,more than two weeks in business,and principal returned successfully once,in one of the plans,probably,it is the best time to review West-wood,certainly a refreshing proposition.

The Investment Plans offered :

The shortest duration plan offered at West-wood, called Interest runs only for a duration of 10 days,promising a daily return of 0.7% daily,with the deposited principal being returned at the end of the term duration,that is 10 days.Therefore,as you can see the total return in the first plan at West-wood is 107%.This plan at West-wood,accepting deposits starting from $1,is certainly the one,to test the operations at West-wood.The maximum investment accepted is $150.

The second plan,the Volition,runs for a duration of 30 calendar days,offering a return of 1% daily.Similar to the other plans,principal is returned at the end of the term.Thus,after 30 calendar days,the total return is 130%.Well, the minimum deposit set at $100, is not very low,yet not absolutely out of reach.The maximum deposit is $1000.Probably,this plan,will become more popular once  West-wood becomes a well-established name.

The third investment plan or the Stability plan,offers 1.5% daily return for 50 calendar days.With the principal returned at the end of the term,the total return,at the end of 50 calendar days amounts to 175%.The minimum and maximum deposit accepted for the Stability plan is $500 and $1500respectively.

For calculation purposes,an investment of $500 in this plan offers a daily return of $7.5,with the total return at the of 50 calendar days being $875 [Including the principal returned at the term expiry and the daily returns].

The last two plans presented at West-wood,that is Serenity and Freedom offers 2% daily for 80 calendar days and 2.5% daily for 130 calendar days respectively.The total return,at the end of the duration of this last two plans is 160% and 325% respectively.The difference,this two plans have with the earlier plans,is that the principal is not returned in the last two plans.

The Payment Processors:

The payment processors available at West-wood being LibertyReserve,PerfectMoney and AlertPay,i guess will be considered extensive enough,by most of us.

Compounding Option:

Compounding is available at all the plans offered at West-wood.As always,the advise will be to recover you principal first,before employing the compounding option.

Site Design,Hosting,Security Features:

Well,this is the most refreshing aspect of West-wood . Must say,quite an innovative design.It’s always good to see,new ideas coming up.Navigation,actually not that difficult,when you get accustomed with the West-wood site,for a few days. West-wood runs on a customized script,and is hosted on a dedicated server by Dragonara,a reputed name in the industry.[Also quite costly].Ddos protection,is also provided by Dragonara.SSL Encryption,is provided by COMODO.

Support To The Investors:

Another positive aspect of West-wood,still now has been it’s support.Contact can be established with the concerned management,by online support forms,as well as the Live Chat.The tickets has been replied quite promptly,till now.

HYIP Analysis:

Needless to say,personally i am quite impressed with site design of West-wood.Certainly this helps to attract investor’s attraction.

Other positives are:

1.Hosted by Dragonara,hopefully Ddos attacks will not be a problem here.

2.The minimum deposit for the first plan,being $1,provides all investors an opportunity to test their service.

3.Going by the present mood of the HYIP industry,when the investors are probably a bit reluctant to deposit their hard earned money,for a long time,i guess,the 0.7% daily for 10 days plan will probably be the one,where many investors will closely look at.

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For this post, i would like to present the review of MGFunds.com or the Mark Goodman Funds one of the newly joined Investment program, that launched in the forums, on 9 th  of January.

The Investment Plans :

MGFunds.com offers a single medium term investment plan, that runs for 45 calendar days, offering a daily interest  of  3% of the deposited principal. The investment amount made in this single plan at MGFunds.com , is included within the daily returns, thus promising a total return of 135% after 45 calendar days.

The break-even point, if you calculate comes at 34 th calendar day, that is by the 34 th calendar day of the investment plan, you will recover the deposited principal, and by the 35th calendar day, start earning the profits.

The minimum deposit, to invest in this plan, has been fixed at $30, although not too low, yet not very high, either. We have seen, quite a few of HYI Programs, that have done exceptionally well, with minimum deposits, even higher than that. Therefore, personally, i do not feel, a minimum deposit of $30 will be a hindrance in the growth of this particular program, if MGFunds.com can gain the confidence of the HYIP investors, by keeping the basics right.

The maximum investment permitted is $10,000 per active investment. For informational purposes,three active investments are allowed, at one point of time.

Let’s take the example of  an  investment of $100, in the medium term plan of MGFunds.com, that promises daily returns of $3, with the total return, at the end of 45 calendar days, being $135 .

Withdrawal requests:

The withdrawal requests are processed manually, and the minimum amount that you can request s $3. The management has mentioned in their FAQ page, that the withdrawal requests are to be processed within the maximum of 48 business hours [ Withdrawal requests are not processed at the weekends]. Another point, that has to be remembered in this respect, is a fee associated with withdrawal transactions.[ Withdrawal fee – 1.5%].Although, till now, the withdrawal requests have been processed much earlier, than the maximum time mentioned.

Payment Processors:

MGFunds.com has certainly , scored a point in this aspect, as the payment processor portfolio ofMGFunds.com , will hardly leave any HYIP investor dissatisfied. Namely, the e-currencies available for transactions are LibertyReserve, PerfectMoney, GlobalDigitalPay and the verified ones, that is AlertPay and SolidTrustPay.

Support:

Apart from the usual online support forms, Skype has also been included to for providing investor support.

Site Design, Hosting , Security features:

As already mentioned before, if you need two words that can best describe, MGFunds.com site, it probably will be ‘Simple and professional’. MGFunds.com site runs on a customized script, with a hassle free navigation. The site design is not much flashy, but definitely is soothing and simple.MGFunds.com is hosted on a dedicated server by BlackLotus, with Ddos protection also offered by the same. SSL Encryption, by AlphaSSL, has also been incorporated. Overall, certainly all the security measures, have been included.

Promotional measures:

Well, you must have noticed MGFunds.com somewhere. The concerned management is definitely carrying out extensive promotions in various forums and monitors.I noticed almost 100 monitors in their ratings page.

HYIP Analysis:

The positives:

1. MGFunds.com has been able to create a very professional aura [ Particularly, by its prompt reply to support tickets, and prompt processing of the withdrawal requests.]

2. The Medium term plans, where the deposited principal is recovered within a short period, is preferred by a major section of HYIP investors.Probably,that will be a reason,that will be helpful, in maintaining the all important cash flow.

3. Payment processor portfolio, that includes almost all the popular options, i guess, will increase the investor acceptability.

4. Customized script, Ddos protection, SSL Encryption that we expect from a promising program, has all been included.

5. About, Alexa traffic graphs, as most of my friends already know, i am not a believer of Alexa, as it is one of the measures, that can be easily faked.

The negatives:

The only negative, probably is the withdrawal fees, which may not be liked by some HYIP investors. On the other hand, it adds to the professional aura, that MGFunds.com has been able to successfully create so far.

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Opulentia, what does it mean? Sounds pretty unusual for a hyip’s name, especially when we are surrounded by such names as – MoneyMakers, OnlineMachine, CarInvestment, HourInvestment and so on… Opulentia is a name which stands out from the crowd. Sounds like a war formation, sounds like a ruling tribe. Opulentia means riches, wealth, power, might, opulence, splendor. Do we find that in this program? Does it cover our need to have a financial back-up?

Let’s start and see how this program presents itself.

Design:

My fellow readers, by this time you already know that I’m a very big fan of clean, simple and focused on content websites. I am not saying that a good, compact design is bad for possible investors, but it can work in a different manner, let’s say the administration of the website can use an awesome design to lure in future clients, to make them forget about the real content. Of course, there are programs who have both design and content strategy, but they also come with other disadvantages: lack of proper customer support, opaqueness of the investment plans, delayed answers, no definite address, weak online authority.

Opulentia seems to be on my taste. It contains some big images to show and express what the website is about. As soon as those images caught your eyes, you are slowly going down to the main content, near the investment plans. You can also see that they have indicated the payment system on the top and the bottom as images. This makes them appear as incorporated parts of the design. Also, in the top right you have a counter that shows you the program’s life span. You can see that the program has been online since February the Sixth, so this is a brand new one.

Also, on the bottom, there are security signs appearing as nice icons. Overall, the design is being composed of blue, white and gray as main colors. It gives out the soothing sensation and opens up the mind for a possible investment.

The Business Model:

Opulentia is a private investment program with purpose to provide our members with interesting investment opportunities and to gain additional profit with help from experienced and professional investors. There are two big plans :

	Daily plan – daily payouts of 2.15% (Monday to Friday) for 365 days. At the end of investment period the principal will be returned to you. The minimal investment for this plan is $1 while the maximum is unlimited. Compounding is available.		Weekly plan – weekly payouts of 11% for 55 weeks. At the end of investment period the principal will be returned to you. The minimal investment for this plan is $1 while the maximum is unlimited. Compounding is available.

Seems pretty interesting to have just two plans, one with the daily and one with the weekly plan. The daily plan is locked in for one year and the weekly one for 55 weeks. If you invest in 100$ in one plan and 100$ in another, you have the following results : In 9.5 weeks, you get your principal out from the daily plan and in 9 weeks you get it out from the Weekly Plan. It is obvious that the second plan is better in terms of getting sooner the investmet. But it lasts a little longer than the daily plan, 385 days.

The affiliate program is returning with a feature that is specific mostly to MLMs, but seem to work also with the option of getting in new affiliates as it attracts them.

* Level 1. – 5%
* Level 2. – 3%
* Level 3. – 2%

Let’s say you have 10 referrals who’ve invested 25$ each, you have 250$ invested from your side. You get 12,5$ out of that. 5 out of those referrals add 10 more with 25% each; you get 7.5$. And lastly, 5 out of those 10 add 10 more, you get 5$. That’s how you can make 25$ to start your own investment.

Their about us page is pretty informative :

We are an online division of a company that has dealt within the investment market for more than 4 years. Over the past years our managers have gained knowledge and experience which provide high returns at the very low loss rate.
Main portion of our income comes from stock markets, while the rest is gained from our forex investments.

The team spirit which can be found in Opulentia is typical of an organisation which is on a human scale. In their daily work our staff never loose sight of the client’s interest. Their common goal is to develop the solution which is exactly in keeping with the individual expectations of each one of them and to maintain a quality of service which is superior to the average. Being a member of Opulentia makes you our partner and, as such, you deserve all of our respect and confidence. We owe you reliability and stable income for that, which is exactly what you get by having funds invested with us.

In terms of professional skills, we will provide you with the same standards as you would receive from a large investment company, but in terms of accessibility and personalised advice, we will provide you with much, much more. We are not giving unrealistic returns. Our experience is a fundement which holds yours funds safe and growing. Opulentia will continue offering its extensive investment portfolio to customers and is committed to their profit. Over time, new investment offers and services will be added to the company’s current portfolio.

I’ve tested their support and can say that they are usually replying less than 24 hours and are very understanding towards your issue. I’d really suggest them to add some live chat or maybe phone support, this will enhance even more their position in this harsh hyip world. Also, I think that adding AlertPay shouldn’t be a problem, especially if we look around and see so many hyips using it.

Keep an eye on this hot mama! It can transform into a real leader very soon!

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“Oscar Funds, as a part of OSCAR INVESTMENTS INTERNATIONAL LIMITED, is a company that has been providing high quality finance and investment services to legal entities and individuals since 2010.” And today this program is an object of our review. Let’s take a look at it and see what OscarFunds.com has to offer.

Investment Plans. OscarFunds offers basically one plan divided into four parts. The amount of money you can earn depends on your deposit amount and on the total of the company’s profit at each trading day (interest rates are flexible). Compounding is available and principal is returned on expiry. The investment period is 180 business (!) days. Let’s get to details:

• Basic Plan brings 1-1.3% daily and is probably the only one affordable for everyone. The minimum requested amount is $10 and the maximum is $2,999.

• Advanced Plan is more profitable and offers 1.3-1.6% daily. However, the minimum deposit in it is $3,000 and the maximum is limited to $9,999.

• Professional Plan offers you 1.6-1.9% and you can have such profit in case if you are ready to invest $10,000 or more up to $49,999.

• Senior Plan is the most profitable one. The interest rate is 1.9-2.2% daily with $50,000 minimum and $999,999 maximum.

As you can see, the interest rate is not fixed and may vary, therefore the amount of your profit depends on trading activity. In order to see the general idea of how much money you will make, use an investment calculator on the website. It will calculate your profit basing on the minimal promised interest rate.

Referral Program. There are 3 levels in a referral program which means that you get a referral commission not only directly from the clients invited by you (1st level), but also from their referrals (2nd level). You even receive commission from the referrals, invited by the referrals of your directly invited clients (3rd level)!

• 1st level – 5%
• 2nd level – 1%
• 3rd level – 0.5%

Payment Options. AlertPay, Liberty Reserve and Bank Wire Transfers (only USD) are accepted. There is no PerfectMoney that is usually accepted by HYIPs but I suppose it won’t reduce the number of investors because AP and LR are very popular.

General Website Features. A customized design template is used at Oscarfunds.com and the script is unique. The most important information such as investment plans and accepted e-currencies is right on the main page. The navigation is a bit confusing because some links to pages are placed on the top and some at the bottom. There is also an unusual page called “Broadcasting”. There you can find all videos released by Ali, the admin of OscarFunds. There is a rate us page but it is called “Partners”. On this page you can only find a link to allhyipmonitors. The registration process is easy and quick.

Security Features. OscarFunds.com is hosted on a dedicated server and uses hosting services of LiquidWeb. Protection from DDoS attacks is provided by Cisco Firewall A5505N. In personal correspondence Ali informed me that their server also comes with a DDoS Mitigation service. OscarFunds.com uses a Thawte SSL 123 Certificate to offer secure communications by encrypting all data to and from the site. As you can see, all basic security features are present on the website. Contact Methods. The address of the company is:

Oscar Investments International Limited
90 Main Street, P.O Box 3099,
Road Town, Tortola, British Virgin Islands

There is a telephone number: 1-845-694-4930. You can also contact the administration via live support or by submitting a ticket on a “Support” page. In order to do that, you must choose a department to which you want to send your inquiry, then name yourself and ask your questions.

OscarFunds has been successfully developing for 31 days and the admin of the program actively promotes his project. It seems like he is really determined to make his project popular because he always answers e-mails, participates in discussions on different HYI-related sources and you can also follow him on Twitter: http://twitter.com/oscarfunds. We wish him to keep up and we will keep track of the development of OscarFunds.com.

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