Today, let me add another quality program to my favorites - CSMFinance. I joined this program a week before and already tested it. This one has high potential to become next hot program with features like Dedicated server, DDOS protection, SSL encryption, Custom Script etc., Of course, this program has lot of competition. I consider IncoForex (reviewed here) and AtlantisMutual (reviewed here) as main competitors for this program. Let's discuss the various features of this program,
Plans - There are three plans depending on the amount you wish to invest. If you invest between 10$ and 2,499$ then you will get 1.7% daily for 200 calendar days which is called as Starter plan. In this plan you will get your principal back in just 59 days. After 59th day, its all your profit. If you can afford to invest between 2500$ and 19,999$ then you will get 1.9% daily for 200 calendar days which is called as Premium plan. In premium plan, you will get your principal back in 53 days. There is also another plan for investments above 20,000$ called as Exclusive plan which offers 2.1% daily for 200 calendar days.
Compounding is allowed in all plans. Once selected compounding percentage cannot be modified. So, please think twice before selecting the compounding. Also, remember all plans pays interest in calendar days and NOT business days. You will be paid 7 days a week. Principal is returned at the end of the investment term (200 days).
My Investment Strategy - I invested 20$ in this program with 50% compounding. I love to play with Compounding. There is a valid reason why I selected 50% compounding for this program. As per my due diligence, I believe this program won't last for 200 days. I may be wrong, but I am always confident with my due diligence. If this program closes before 200 days then you won't get a chance to get your principal back. So, I decided to go with 50% which will make more profit for me before the end of 200 days. With 50% compounding, I will get my principal money back in 82 days. If you feel 82 days is more risky, then go with 30% compounding. 30% compounding, will get your principal money back in 70 days which is not bad at all.
Withdrawal limits - CSMFinance has withdrawal limits which varies depending on the amount you are investing. See the listing below to understand the limits,
$10 - $100: Daily withdrawal limit: $10
$101-$300: Daily withdrawal limit: $30
$301-$500: Daily withdrawal limit: $50
$501-$750: Daily withdrawal limit: $75
$751-$1000; Daily withdrawal limit: $100
$1001-$2499: Daily withdrawal limit: $250
$2500-$5000; Daily withdrawal limit: $500
$5001-$19999: Daily withdrawal limit: $2000
$20000 and up: Daily withdrawal limit: Unlimited
$101-$300: Daily withdrawal limit: $30
$301-$500: Daily withdrawal limit: $50
$501-$750: Daily withdrawal limit: $75
$751-$1000; Daily withdrawal limit: $100
$1001-$2499: Daily withdrawal limit: $250
$2500-$5000; Daily withdrawal limit: $500
$5001-$19999: Daily withdrawal limit: $2000
$20000 and up: Daily withdrawal limit: Unlimited
For example, if you are investing 100$ in this program then you cannot withdraw above 10$ per day. For 100$, you will get 1.7$ as daily interest which you can withdraw without any problem. This will affect only your referral commission withdrawal. If you are a normal investor like me then this is not at all a problem. But, just make sure that you are not accumulating your account balance. If that is the case then it may be problem for you to withdraw at once.
Payment Options - Liberty reserve, Perfect Money and Bank wire are the payment options available in this program. You can also invest from your account balance. It is disappointing that admin is not accepting strict pay. I don't expect alertpay in all hyip programs. But, at least strict pay is a good choice.
Security - Security is outstanding here. CSMFinance is hosted on a dedicated server by dragonara with DDOS protection. In addition to that, website is 256 bit SSL encrypted and using a unique script. I can't understand the technology behind the script. I don't like this script that much because I personally feel like the performance is little less. Page load time is little high which affects the usability of the site. Login has tuning code which is good and safeguards from hackers. You have to enter your withdrawal password while withdrawing from your account balance. This is an excellent addition to the security of the program.
Content/Script - CSMFinance claims that it is trading in stock market on various fields like software development, medical etc., They do have trading reports which supports this point. CSMFinance also has certificate of Incorporation issued in the Seychelles. This may be true or lie but I am not going to believe it. I consider all programs in hyip arena as pure ponzi only. Then regarding script, this is the first time I am seeing a feature to send mail internally. In Internal mail page, you can compose and send mail to anyone in CSM Finance. All you need to know is that user's username. They do have a help page which explains each and every process of this program using flash files. Those are really self explanatory. Good job admin.
Support system - You can contact support team via Email, phone, live chat or you can send a mail using Internal mail page. Though there is no proper support ticketing system, I believe these features are enough to get a fast reply for your problem.
Points to Note -
- Referral Commission is 5%
- Dedicated server, DDOS, unique script, SSL are all available here
- Compounding % cannot be changed after selection
- All plans pays interest in Calendar days and NOT business days
- Online since 20-Sep-2009
Quality Factors:
| Quality Factor | Rating |
| Is it a sustainable investment plan? (High 6) | 5.00 |
| How is the design and usability of the site? (High 4) | 3.50 |
| Is the content of the site is original? (High 4) | 4.00 |
| Is the site launched in hurry with issues? (more points if NO - High 4) | 4.00 |
| Is it on a dedicated server? (High 6) | 6.00 |
| Does it have DDOS protection? (High 6) | 6.00 |
| How is the security of the program? (High 7) | 7.00 |
| How good is the script used by the program? (High 10) | 10.00 |
| How is the up-time of the program website? (High 5) | 5.00 |
| Does it accept more payment processors? (High 4) | 2.75 |
| Does the program has it's own forum? (High 2) | 0.00 |
| Does the program has proper support ticket system? (High 4) | 3.50 |
| How fast and how good the support team answers the ticket? (High 5) | 5.00 |
| How is the admin marketing the site? (High 5) | 4.00 |
| How about the website traffic ranking in alexa? (High 5) | 4.00 |
| The X Factor (Hidden) (High 5) | 4.00 |
| The Y Factor (Hidden) (High 5) | 3.00 |
| The Z Factor (Hidden) (High 5) | 4.00 |
| Is admin already a member of any forums and how long? (High 3) | 0.00 |
| Is admin/any support team member active in any forums? (High 4) | 0.00 |
| How is the opening response in forums? (High 6) | 5.00 |
| Any spam mails for this program? (more points if NO) (High 5) | 5.00 |
| Average rating | 4.13 |
News Updates - 05-Oct-2009
AdRebatesPro - AdRebatesPro's alexa ranking is very attractive. It touched 16k yesterday and it is around 18k for last 7 days. This is a great achievement for a program which launched just 3 weeks before. There are 1567 members joined in this program by the time of writing. For the last two days the members count is increasing slowly when compared to last couple of weeks. Till now, all days are provided with 10% rebates. I hope 10% rebates will last for at least one more week. This program rating is increased from 4.23 to 4.26
AtlantisMutual - You may noticed that this site was on and off for last couple of days. Admin should improve the DDOS protection to avoid these downtimes. Today, the website is loading fast. There is no change in the rating for this program.
MindPowerSurf - MindPowerSurf growth is slow when compared to its competitor AdRebatesPro (reviewed here). This website is now 1 week old and has 250+ members signed up already. Admin of this program is marketing the site very well. This program already has a banner in some reputable forums. I hope the growth of this program will pick up after the first cycle payouts. We have to wait and see....
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