As for AmbrianInvestment, it’s very clear to me that selective payments are still processed to some monitors and members, while others (with possibly more significant amounts in the program) are left stranded and hopelessly waiting for their payouts which are now well over the 24 hour timeframe. I received at least three confirmed complaints to and the admin was unable (or unwilling) to pay to them which just confirms my concern about the severe cashflow problem in AmbrianInvestment. Yet another good indicator is another change of plans as the program is now offering 120%-240% after 1 day which clearly cannot be achievable and is just plain stupid to join when we already have confirmed cases of selective payouts anyway. In addition to all of that, AmbrianInvestment keeps trying to dump their STP funds for LR and offers a 25% bonus on all the exchanges which are by the way strictly prohibited by STP itself, so if you’re lured into that you risk losing all your money. The admin is a crook anyway as even after moving AmbrianInvestment to Problem status on MNO tonight I have noticed the MNO monitoring button there still displays Paying status, so it’s just a static image and nothing to do with reality. Having said that, AmbrianInvestment was a surprisingly good program in some ways as it lasted for nearly five months and brought profits for some smart investors who could see the admin’s strategy of gradual increasing the plans interests and advertising methods. Please note that it’s clearly stated on my rules that I don’t tolerate selective payouts from any program and even if I get one unresolved complaint a program goes to Problem status. This is a strict rule which I stick to for as long as I’ve been running my monitor. Please avoid investing in AmbrianInvestment at this point even if you’re getting paid as usual, as the program is going to completely collapse within the next couple of days.

Miraclulously returning after almost two weeks on non payments, PanamaHedgeFund (reviewed here) surprised me with their service once again when they added AlertPay to their list of payment processors joining LibertyReserve and PerfectMoney. This is a very welcome move for PanamaHedgeFund as it will be able to attract a totally different type of investor now, and the program is yet to re-establish its reputation after a successful return to Paying status on ProfMonitor a few days ago. I must say that I was really surprised to see them back at all after a seemingly hopeless situation. The most important thing about that is of course the payouts which are processed instantly again. PanamaHedgeFund offers investment plans with a gradually growing return as your investment term lengthens and allows you to withdraw your original principal before the expiry date for a fee or wait for the expiry date for a no fee principal withdrawal. The full term in PanamaHedgeFund is 265 calendar days but you will be paid only on business days. Payouts are usually processed instantly upon request. Interest increases from 1.9% to 2.7% throughout the term which is quite a unique feature and encourages you to stay a member. The latest news about AlertPay addition was put in short on the website today:
“Public access to Alertpay billing
From today, deposits and withdraws via Alertpay are available to all customers.”

I suppose it’s fairer to say that AmbrianInvestment really only have the one investment plan with a number of variations, ie the interest rate, based on how much you are prepared to spend. But the basic premise is this – the investment plan runs for 30 calendar days, during which AmbrianInvestment will pay you a fixed daily rate of interest. At the end of the term the payouts you have received from them in the previous 30 days will represent your full and total earnings, so in other words your principal will not be returned and will be counted as part of your payments. As regards the bottom line (how much AmbrianInvestment are going to pay you), the exact financial details are as follows:
Deposits start at a $10 minimum, and for anything up to $99 you will earn a daily interest payment of 5%. Over the course of the 30 day term that will allow you to break even (earn an amount equivalent to your initial deposit therefore make it impossible for you to lose any of your own money) 20 days into the term. By the final day your payments will amount to 150% in total, which is your own money plus 50% net profit.

Larger investors can avail of higher rates of interest as is generally the case in the HYIP industry. Those investing from $100 up to $499 in AmbrianInvestment are offered a daily return of 5.5% per calendar day. This includes your principal so at the end of the term will add up to 165% in total, or your own money plus 65% profit.

AmbrianInvestment offer a rate of 6% per day on deposits from $500 up to $999, leaving you with payments totaling 180% by the end of the term. As with the other variations that includes your principal so it’s 80% profit for yourself.

Not the last plan, but probably the last one that’s of any real interest to the majority of industry players sees AmbrianInvestment offer a daily interest payment of 7% for 30 days on deposits ranging from $1,000 up to $2,499 adding up to a total of 210%, principal included.

Things get a bit more serious from this point on, though I can’t really see anyone spending this kind of cash in what’s been a very erratic program in terms of what they offer investors. I mean the plans have been changed so many times now, who’s to say they won’t be re-written again in another week? Anyway, I’ll just run through the rates AmbrianInvestment say are available, whether you take them up on the offer or not is your own business:
Deposits from $2,500 up to $4,999 are offered 9% per day for the 30 day term, coming to 270% in total, principal included. The rate is 12% per day on amounts from $5000 to $9999, 15% per day for $10,000 to $19,999, and 20% per day on anything above that to a maximum value of $50,000.

Payment options are a bit on the basic side with AmbrianInvestment limiting deposits to those made from either LibertyReserve or PerfectMoney. You should also be aware that despite the FAQ page clearly stating that AmbrianInvestment makes instant payouts, the truth is that they don’t. In fact as far as I remember they bever did so I have no idea why they say this. Payments are made manually and can generally be expected to be completed within 24 hours.

AmbrianInvestment is hosted on a dedicated Staminus server with support and protection by Koddos. They run off a script under license from GoldCoders and for safer browsing and more secure transactions the website is SSL encrypted. For any further questions or account related issues you can get in touch with the AmbrianInvestment admin by filling in the support form on the contacts page and submitting it. Also included are two email addresses that you can write to directly, including one Google address that you might be able to use for Live Chat (something which features in the AmbrianInvestment website, though personally I’ve never noticed it actually working). AmbrianInvestment is also available in both English and Russian though as a Russian speaker myself I can tell you that that’s most likely the original default version with the English one being the translation.

As for any alleged business interests backing the whole thing up, don’t even look for them because other than the briefest mention of “banking activities” (whatever that’s supposed to mean!) on the FAQ page AmbrianInvestment is curiously bereft of any texts. I mean they don’t even take the lazy way out of copy/pasting the homepage of some other online HYIP, they simply don’t have it at all. Not that I’m bothered of course, and I would believe that anyone involved with “banking activities” would be chopping and changing their investment plans with such regularity. So it’s fair to say that AmbrianInvestment are unpredictable, and why they waited some three and a half months to upgrade their listing on my monitor, well, take your own guesses there. All I can finish with is to remind you to stay within a modest spending limit that you will strictly adhere to and always keep a wide and diverse portfolio if you want to be an industry player.

I’m not sure there’s a lot of folks looking to spend more than that in the HYIP industry these days, but if you’re one of them then take a look at the second VerticalProfits plan. It’s almost identical to the first one except it’s geared towards bigger spenders as it carries a $1,501 minimum price tag with it. The term still runs for 5 business days so you only get paid from Monday to Friday but the daily rate goes up very slightly. In fact it only increases by 0.5% which over the course of such a short term I’m not sure is all that much of an incentive for people to start spending big, though as most can’t afford the principal in the first place it’s probably a moot point. Anyway, just to explain it fully VerticalProfits are offering a daily interest payment of 22.5% per business day. This adds up to 112.5% by the time you receive your final payment, and as your principal is already included in this then your net profit is 12.5%. Maximum spend is $100,000.

VerticalProfits change direction somewhat for their final investment plan, extending the term to 10 business days (that’s 2 weeks) and only paying the members one single lump sum on expiry. The minimum required to join here is $50 this time and the final payment on completion of the term is 127%. That includes your principal so it’s your own money back plus 27% profit for yourself. Granted it’s worth a bit more than what you would expect from joining either of VerticalProfits daily payment plans for two cycles, though I wouldn’t be sure if it’s quite enough to entice many experienced players to take on the extra risk of surrendering daily payments in favor of a slightly more generous on expiry one. Time will tell I guess, meanwhile VerticalProfits accept a maximum spend of $100,000 for this plan.

Payment options are a bit limited (predictably so, I think) with VerticalProfits only taking deposits via LibertyReserve or PerfectMoney. Better news is the use of instant payouts however at the time of writing these have been suspended until further notice due to security concerns surrounding the massive DDoS attacks currently blighting the program. At the moment withdrawals can take up to 24 hours to be processed.

VerticalProfits is running off a licensed script from GoldCoders, and is an SSL-secured website for safer browsing and more secure transactions. They’re hosted on a dedicated Staminus server with support and protection provided by a firm called DDosBurn who I must admit are a new name to me as far as the HYIP industry goes so we’ll see over time if they’re any good compared to the more established providers. Unfortunately for the first couple of days online VerticalProfits have suffered massive DDoS attacks and were offline more often than not so it doesn’t make for a good first impression of their services. If the admin decides to stay with them then we’ll see if this is just a once off problem or if the can seriously handle the attacks that fly around the industry so frequently. If you have any further questions about this, any other aspects to VerticalProfits, or any account related issue then you can get in touch with the admin by filling in your details in the support form found on the contacts page and submitting it. If you wish to write to them directly then you’ll find a VerticalProfits e-mail address and a Yahoo address as well. Built in to the site is a Live Chat feature where you can get your questions answered in real time, whenever you find the admin online and logged in. VerticalProfits also join the growing list of HYIPs taking advantage of social networking sites, maintaining pages on both Facebook and twitter.

The content of the VerticalProfits website, ie the texts, are a straight copy/paste job and could easily have been lifted from any one of the dozens of other HYIPs that have used them in the past. Therefore you should know not to take any of the claims pertaining to the program’s business activities too seriously. VerticalProfit is a high risk online HYIP, anonymous and untraceable, no more and no less and certainly no different in that respect to anything else in the HYIP world. So just make yourself aware of the risks as well as the potential rewards before deciding to join or not. Set yourself a realistic spending limit that you can afford, keep your expectations in check, and if you insist on playing the industry then at least try to keep a diverse portfolio.