Out of my eagerness to broaden my online investment, I did try out 3 HYIP programs; Megalido.com, Income-way.com and GoldenInvest.biz. Out of these 3 sites only one pays me generously on time and within the context of their Terms of Service.

Let's talk about my investment with goldeninvest.biz first. I have invested $5.00 in this site and that should give me a profit of 15% per day in 10 days. After I deposited my investment, I invited a friend. I didn't know then tha he had a bad experience with the site. I made a research on the net and have found some varrying reports about goldeninvest.biz. So that clearly will make my investment in total trash fund. Still with that knowledge, and since I have my investment already at their site, I no choise but to wait for 10 days and see what will happens next. My $5.00 have earned $2.50 more. Yesterday is the 10th day, and today I have requested a refund and it says I have to wait 24hours for my fund to be credit to my Alertpay account. I am not putting my hope highs but I am not expecting any payment for majority of the reviews I got says that this site is not paying their members or at least it pays on the first investment to lure the investor to reinvest again and then run off with their money.

Income-way.com on the other hand has a very active support (and that is only) during my registration,I have encountered a problem with my deposit and support help me solve the problem.The site has good customer service and promptly replied to a submitted support ticket. With that, trust was easily built. I invested $25.00 on the site with a promise of 140% return of investment in a day and payment is instant, but the problem started to show when I withdraw my funds; First there was a hidden withdrawal fee of 15% which is not stated on their TOS, 15% is a huge deduction on my profit. If my calculation is right, 140% of $25.00 should give me $35.00 in return. If I withdraw the fund, they will deduct 15% from the total fund and that will give me $29.75, a difference of $5.25, again if the calculation is right, $29.75 is 119% of what I have invested. That means the published interest of 140% is not exactly 140%. The site gives false information by not disclosing the information about the 15% withdrawal fee. The second problem is the biggest one, Oct. 11, 2008 after the interest was credited to my investment, I withdrew the funds. It says that it will take 6-24 hours before it will be credited to my alertpay account. But it's been 3 days and no funds were credited to my account. I submitted a support ticket and I didnt get any response. So just this morning I canceled my request and requested it again this time, fund should be delivered to my Liberty Reserve account. Again, need to wait 6-24 hours.


Tomorrow I hope my payment will be credited to my chosen payment processor. But I have already submitted a dispute to Alertpay just in case, since it will take 3 weeks to investigate the site by Alertpay team.

So far, I feel like I am in a good hands with Megalido.com. I have been paid twice and waiting for my 2 investment to mature. One, with $24.00 will mature 4 days from now and $12.00 after 8 more days. I have invested a total of $48.00, of which $36.00 of that is the current active deposit. Megalido does'nt have any hidden charges or fees. The interest rates that they published in their site is what exactly you'll be receiving. With the daily, and weekly update I received from the site's admin it really make me feel that my investment is safe. Megalido also has a forum, so I could check the site updates every now and then, and to this very moment, proof of payment is flooding the Megalido's forum. Just hoping that Megalido will live by its promise to change the current status of HYIP in general, and that will not end like the rest of the HYIP who end up scamming their members.