Investing at www.ralf-finance.com

I put in $100 into http://ralf-finance.com/.  This site will give you a username and password. And from the 3rd party forums and monitors I am checking, they are OK.

Their rates are not as out-of-this-world as the ones in gaingold and bblforex (in HYIP terms, that is!) So I feel it’s ok to take their longest plan.

http://ralf-finance.com/ has 3 plans to choose from:

Independence Return: 100.9%Term: 12 hours

Continuity Return: 114.0%Term: 7 days

Strong Return: 134.0%Term: 2 weeks

I put my money in the strong plan.  So I’m locked in for 2 weeks.  I think if I had more money to invest with them, I’d choose a shorter plan, that way I can exit quickly in case of problems. But again, the forums say this is a safe bet.

Investing at www.click-funds.com

Both MMG and talkgold are buzzing about this new program, http://www.click-funds.com/.  It just started June 25,2006.

I have placed whatever I had left from bblforex and gain-gold : $47.

I placed it in their 1-day plan for 130% daily.  In 3 days I should pass $100.  So I’d have recovered my loss. Well.. if this program won’t close by then! hehe…

I’m just glad I was paid 1/3 and 2/3 by bblfox so that I’d still have something to reinvest in and recover my loss.

Here are the Investment plans of http://www.click-funds.com/

150% in 1 Day
Plan	Spent Amount (US$)	Daily Profit (%)
Level 1	$1 – $300	130.00
Level 2	$301 – $3,000	140.00
Level 3	$3,001 – $6,000	150.00

200% in 2 Days
Plan	Spent Amount (US$)	Profit (%)
Level 1	$1 – $300	165.00
Level 2	$301 – $3,000	182.00
Level 3	$3,001 – $6,000	200.00

 

235% in 3 Days
Plan	Spent Amount (US$)	Profit (%)
Level 1	$1 – $300	215.00
Level 2	$301 – $3,000	225.00
Level 3	$3,001 – $6,000	235.00

300% in 5 Days
Plan	Spent Amount (US$)	Profit (%)
Level 1	$1 – $300	265.00
Level 2	$301 – $3,000	282.00
Level 3	$3,001 – $6,000	300.00

www.gain-gold.com & www.bblforex.com – SCAMS

Well, just when it was payday, the site goes down! hehe…

 That’s why it is always prudent to invest small first.

 All I can say is, I lost $50 to gain-gold.  It was an eye-opening experience into how scams work.  Anyway, I was prepared to lose it, that’s why I didn’t invest my normal $100.

oohh well, you win some, you lose some!  Looking back, I feel that I should have made better DD (Due Diligence) Mainly, made sure that a program is being discussed extensively in the main forums such as www.talkgold.com and www.moneymakergroup.com.

Remember that I also invested in www.bblforex.com? Well, as I scour the forums, it seems that they also stopped paying today,  just when I was to receive 3/3 payment.  So I ended up getting $47 from my initial $50 dollars. hehe!  I don;t know if they have the same people behind them.

 Just another warning – I found out about gain-gold and bblforex thru a 3rd party HYIP monitoring site – http://www.hyipmonitor.com.  Guess what?  They still have gain-gold and bblforex listed as paying! here’s a screenshot of both:

             

Notes: something strange at MMG (www.moneymakergroup.com) :

I was searching for any topics on gain-gold and couldn’t find any.  I opened a topic for it yeaterday.  Today, when I checked, the topic is gone! the whole MMG doesn’t have any reference to gain-gold! why don’t you do a search on gain-gold there to find out yourself.  Strange, isn’t it?

Investing at www.gain-gold.com

At the same time I invested in  http://bblforex.com, I also invested in http://www.gain-gold.com/.

I invested $50 in each.  I invested in gain-gold’s C plan, which guarantees 280% (including principal) after 7 days.  Just like bblforex, I just deposit into their e-gold account and wait after the plan’s lockin period for my profit.

They actually have 6 plans in all, and all of them are very enticing! but in my opinion, if I were to invest, I’d pick the one with the fewest lock-in period at a reasonable minimum fee.  This would be plan E, which is only for 3 days and guarantees 280% for a minimum fee of $300.

For now, I only have $50, and only Plan C allows such a low principal.  If I am able to recover my initial investment with them, I might consider trying their plan E.

Plan F actually pays you after 1 day at 280% profit, but the minimum spend is $500.  Sounds enticing if you can take the risk.

My only complaint about this program is that they won’t send you an email when you make a deposit, so there is no way to verify if your money got in and they are aware that you did make a deposit.  I’ll just have to wait after 7 days and hope that they do pay up.

here are the http://www.gain-gold.com/ plans:

Plan A: 10% – 15% Daily For 60 Days

Amount	Profit	Ref Bonus
$1 – $500	10%	5%
$501 – $1,000	11%	6%
$1,001 – $2,000	12%	7%
$2,001 – $3,000	13%	8%
$3,001 – $4,000	14%	9%
$4,001 – $5,000	15%	10%

Plan B: 180% – 230% after 10 Days

Amount	Profit	Ref Bonus
$1 – $500	180%	5%
$501 – $1,000	190%	6%
$1,001 – $2,000	200%	7%
$2,001 – $3,000	210%	8%
$3,001 – $4,000	220%	9%
$4,001 – $5,000	230%	10%

 

Plan C: 280% – 330% after 7 Days ( Min $50 )

Amount	Profit	Ref Bonus
$50 – $500	280%	5%
$501 – $1,000	290%	6%
$1,001 – $2,000	300%	7%
$2,001 – $3,000	310%	8%
$3,001 – $4,000	320%	9%
$4,001 – $5,000	330%	10%

Plan D: 280% – 330% after 5 Days ( Min $100 )

Amount	Profit	Ref Bonus
$100 – $500	280%	5%
$501 – $1,000	290%	6%
$1,001 – $2,000	300%	7%
$2,001 – $3,000	310%	8%
$3,001 – $4,000	320%	9%
$4,001 – $5,000	330%	10%

Plan E: 280% – 330% after 3 Days ( Min $300 )

Amount	Profit	Ref Bonus
$300 – $500	280%	5%
$501 – $1,000	290%	6%
$1,001 – $2,000	300%	7%
$2,001 – $3,000	310%	8%
$3,001 – $4,000	320%	9%
$4,001 – $5,000	330%	10%

Plan F: 280% – 330% after 1 Day ( Min $500 )

Amount	Profit	Ref Bonus
$500 – $800	280%	5%
$801 – $1,000	290%	6%
$1,001 – $2,000	300%	7%
$2,001 – $3,000	310%	8%
$3,001 – $4,000	320%	9%
$4,001 – $5,000	330%	10%

Here’s a discussion about http://www.gain-gold.com/ in talkgold: http://www.talkgold.com/forum/showthread.php?t=98002&page=1&highlight=gain-gold.com

Investing at www.bblforex.com

I was looking at more HYIP to invest in, so I went to http://www.hyipmonitor.com/.

One of the HYIP programs that I looked into was http://bblforex.com.

bblforex is different from my earlier HYIP forays.  The most notable difference is that they don't provide a member's area for me to log in and invest.

 If I wanted to invest with them, I simply deposit into their e-gold account, specifying the investment plan I want.  Depending on the plan, they will just deposit back to my account the profit that is due me.  

Here are the http://bblforex.com plans:

Plan	Spent Amount (US$)	%
Silver	$1 – $70,000	40% daily for 3 days
Gold	$100 – $70,000	140% after 3 days
VIP	$100 – $70,000	350% after 14 days

I only spent $50 with them since this is actually a new program, and I want to make sure they are paying before I decide to put in more.

Since I only put in $50, I am only eligible for the silver plan.  This is good, because it is a short term plan ( 3 days) and I get paid every day.

I actually invested in this plan 3 days ago, and I'm happy to say that they did pay me $20 every day for 3 days.  This means I earned $10 after 3 days. (20% interest).  I did notice that there was an entry in my e-gold.com account history for a $0.20 charge from them,  It seems they charged me 2% for the interest.  That's fine, I still profited from them, anyway.

So now, after collecting $59++ dollars, I reinvested everything with them again for another 3 days…

Buying at www.E-gold.ph

www.e-gold.ph has a more low-tech approach in buy/selling e-gold.  The admin, Joseph, has a day job with www.domainphil.com. In order to buy or sell, you have to text him your intent. 

Like I said previously, I got his BPI account and had enrolled it in www.bpiexpressonline.com.  I had made an inquiry with Joseph about the rates he was offering thru text.  He gave me a 2% buy fee at 53.5 pesos to the dollar.  He says it's a special rate, so next time may not be the same.  This means, I paid him $102 at 53.5 so the total bill for receiving $100 worth of e-gold is Php5457.

I deposited the amount around 3pm.  But I was told that he can only fund it later in the evening when he is at home.  This is for security reasons, he says, because e-gold does check your IP address when you log in.  I was fine with that, so I went thru with it.

By 9PM, the e-gold had not come in yet, so I gave him a quick text.  He was on his way home, he says, so I just waited patiently till he texted me that the e-gold was funded.  

In conclusion, it took longer to buy e-gold from www.e-gold.ph, but i was not in a hurry anyway.  I also was not worried when the e-gold hadn't come in at 9pm  (Remember that their response-time commitment is actually 24 hours)

It was good that I was able to talk to Joseph on the phone and exchanged sms with him.  The admin at PGX ( www.pinoygoldexchange.net), Santi, also recommended him, just in case I wanted to try other e-gold exchangers.

The good thing about buying here was the lower rate compared to PGX, so if you are willing to wait awhile to get a better deal, then www.e-gold.ph is for you.

Buying at www.pinoygoldexchange.net

I made a test buy with www.pinoygoldexchange.net recently.  I wanted to buy $100 worth.  They have a 2.5% buy fee, so that makes it $102.5 that I need to pay them.  But since their bank is local, I will deposit in pesos.  The exchange rate is about 53.++ pesos to the dollar.  so I spent 5,500+ pesos.

I was researching them before I bought, and I also got hold of the admin through YM.  I initially asked for their BPI bank account number so that I can enroll it in my bank.  I need to enroll other people's account into my bank account so that I can do bank transfers through my internet account at www.bpiexpressonline.com.

Once PGX's account has been enrolled, which takes about a day or two, I can now do the transfer online.  I made sure that the admin was online thru yahoo messenger so that I can have support if I have questions. 

I made my buy request for 100 dollars, sent them a text message about my order, and within a few minues, my E-gold account was funded.  Now, the quickness of the buy order will vary for each person.  The main reason mine was so quick was because the admin was online that time, and he was probably waiting for orders at the moment.  Some people get tense if orders are not acted immediately.  If you want to lessen your stress, just wait for the admin to be online before you make a buy.

Below is a screenshot of my mailbox, focused on the 3 emails I received from PGX about the status of my order.

The emails came in the following order:

• Order received – 16:24:05
• Cash Payment received – 16:35:02
• E-gold funded – 16:36 33

So the entire process took a little over 12 minutes. That's pretty good, isn't it?  So if you are in a hurry to buy e-gold,  www.pinoygoldexchange.net should be the first option you choose.

Here's a screenshot of my mailbox:

MabuhayExchange.com Closes Shop

Like what I said in my earlier post, www.mabuhayexchange.com is being run as a part-time thing by Filipinos in Singapore.  I guess their day job just got more taxing.  Just a day after I made an inquiry, they send me, and everybody in their list, this email:

Date: Thu, 22 Jun 2006 01:42:22 -0500
To: 
Subject: MabuhayExchange Suspended ( From MabuhayExchange.com Forum )
From: “MabuhayExchange.com Forum” <admin@mabuhayexchange.com>  
   

To our loyal and beloved members,

It is with mixed feelings that we have decided to suspend the operation
of MabuhayExchange.com as an online exchanger. This is due to the
priorities that we have to consider in terms of our jobs and time.

The site will still be there to support you, in fact, we have created
the “E-xcange Arena” to allow our members to exchange their egold to
cash and vice versa to one another. You may proceed in transacting to
other members with great precautions. We at MauhayExchange holds no
liability if something came up during your e-xchange process.

We will still consider to re-open our business once we have itemized
our priorities. We’ll keep you posted.

We thank you for your understanding and continued support to
MabuhayExchange.com

Mabuhay!

Admin & Staff

3 Local E-Gold Exchangers

After much searching, I found 3 local websites that sell e-gold.  All I have to say is that these sites need to do better SEO (Search Engine Optimization) if they want to increase sales.

Anyway, what I mean by local, is that the owners of these sites are Filipinos, and they accept local deposits in exchange for e-gold. 

 I will have to pay in peso with these sites, but their exchange rates aren't as outrageous as the other sites I've discussed before.

www.pinoygoldexchange.net (PGX)

This site is a project started by members of a forum, www.pinoymoneytalk.com. The support is good, because the person who owns it is most of the time online using yahoo messenger. 

PGX has a buy fee of 2.5%.  So if I wanted to buy 100 dollars, I need to $2.5, so it will become $102.5.  Their current exchange rate is 53.81 pesos to the dollar.  The actual current exchange rate in the market is: 53.21 to $1.  This means they charge Php .60 more per dollar.

Here's a screenshot of www.pinoygoldexchange.net 

www.e-gold.ph

This is is owned by www.domainphil.com.  I found this out when I called up their phone number and asked what company it was.  The person in charge of this site works full-time in domainphil and works on e-gold.ph on the side.  The site is not updated often, I found that out when I talked to Joseph, the site admin. 

The site currently says that they are waiving the buy fee and the exchange rate is only 52.50 pesos to the dollar!  Well.. these were the old rates, Joseph says that promo is over, and the fee is 2% at 53.50 pesos to the dollar.  Still better than PGX actually.

Here's a screenshot of the current www.e-gold.ph

www.mabuhayexchange.com

The site admins of mabuhayexchange are based in singapore.  They have full-time jobs there, and this is just a part time endeavor.  The problem with this is that orders may not be fulfilled on time, as I read in their forum. 

Their fees and exchange rates are not listed on the site, si I had to do a trial buy.  I still have to receive an email with the buy rates.  They do have a shout-box.  Someone was inquiring about his order, and the admin replies that he is currently overseas and cannot fulfill orders at the moment.  He will do so the next day.

 Here's a screenshot of www.mabuhayexchange.com

I will be doing trial buys of 100 dollars on each of these programs to see which will be the cheapest and fastest.

Investing at Wealth2u.biz

After investing about 100 dollars in www.offshoreclub.com, I immediately invested my other 100 dollars in http://www.wealth2u.biz.

http://www.wealth2u.biz has a different scheme for earning money.  Unlike offshoreclub, where I was locked up for 30 days with a guarantee of 140 dollars after i place 100 dollars starting,  Wealth2u lets you withdraw your interest on a daily basis.  Interests are credited to my account with them daily, on business days.  But they have a longer lockup period – 100 business days.  Although the lockup period is longer, the interest is higher – 2.1% each business day. 

From here, you can see two different strategies that investors can use depending on how much risk they want – offshoreclub has a shorter lockup period – 30 days.  This allows you to recover your principal and interest at a shorter time, thus, lowers risk.

Wealth2u, although having a longer holding period – 100 days, allows you to withdraw your interest every day that interests are made.  So you can recover some of your money even on day 2.

I have been with this program for a little over 1 month, and my initial investment of $98.99 has now grown to $163 as of today.

Investing in wealth2u is easy.  After creating an account with them, you make a deposit into your account, and they will then hold it for 100 days.  Every day, they will deposit your interest in your "amount available for withdrawal."  You have the option of compounding the interest – meaning, your interest is fed back to the principal, thus, increasing your future interests.  I chose the 100% compounding, so 100% of my interest goes to my principal.

 Another good thing about Wealth2u is that they send you an email everyday when an interest in gained, so you don't hae to keep logging in to your account to check how things are going.

One thing to worry about is that this HYIP website only started last year – based on it's whois information.  http://whois.domaintools.com/wealth2u.biz.  They do use https which means they invested somewhat on the site and security.

Here's a screenshot of my  http://www.wealth2u.biz investment page: