TopFinancial Review & News Updates

Hi guys! Hope everyone is enjoying the weekend. I analysed 4 to 5 hyip programs in last two days and finally decided to review this one. I have couple of programs in my queue, but I am still testing them. I will review once I am fully confident about those programs. If you are a new reader then you should know that I am reviewing only top quality programs in my blog. Check my program details page for up to date rating for all programs. For now, let's jump into today's review....

TopFinancial is a long-term quality hyip program which I am following from day 1 onwards. We already have lot of quality long-term programs like GNI, Panamoney, Genius funds, Infinitiva etc., But, we cannot compare this one with those well established programs. Instead, I feel that IncoForex & CSMFinance are going to give tough competition for TopFinancial. TopFinancial is already well prepared for the competition with Dedicated server, DDOS protection, SSL encryption, Comodo Trust logo, Custom made script, sustainable plans, advanced compounding option, 3-level referral program etc., Let's discuss this program in depth....

Plans - TopFinancial program has three plans called as Level 1, Level 2 and Level 3. Level 1 is for investments between 10$ and 999$ which gives a variable interest rate of 1.1 to 1.4% daily for 210 business days. Yes, you read it correct. It's 210 business days. Excluding the US official holidays, every month has around 20 business days. So, it will take 10.5 months approximately for your investment to expire. This term is little high when compared to most of the other long term programs. I know couple of investors who are hesitating to invest by seeing this long term. In my point of view, this website has all good quality features and my due diligence is very positive about this program. So, I won't bother if my principal is locked for 210 business days.

Level 2 is for investments from 1000$ which gives a fixed interest rate of 1.8% daily for the same 210 business days. Finally, Level 3 is for investments from $10,000 which gives a fixed interest rate of 2.1% daily for 210 business days. All plans do return the principal at the end of the term. I once again remind you that interest are paid only on US business days. US has 10 official holidays, so you won't get interest for those days too.

Compounding - TopFinancial offers compounding in increment of 10% like 10, 20, 30 etc., upto 100%. IMPORTANT - After you made the deposit please do check your compounding %. Compounding is set to 100% by default. You may want to change it back to any other % you like. I can't understand why compounding is set to 100% by default. It should be 0%. But, investors can change the compounding any number of times after the deposit. I have set my compounding as 30% for this program.

Advanced Compounding - This is a unique feature available in TopFinancial. Using advanced compounding, you can lock your compounding to 100% for a pre-determined number of days. By doing that, you will get Extra interest rate irrespective of your plan. For example: If you lock your compounding for 30 days then you will get 0.1% extra interest daily. Your compounding is set to 100% on these 30 days and you won't be able to change it back. See the table below to find out the extra rate for various locked duration.

Days Set	Extra Rate
30-59	0.1% per business day
60-89	0.2% per business day
90-119	0.3% per business day
120-149	0.4% per business day
150-179	0.5% per business day
180-210	0.6% per business day

Some points to be noted regarding advanced compounding options,

• Advanced compounding always sets your compounding to 100%. You cannot have advanced compounding with 50% or any other compounding %
• If you manually set your compounding to 100% in compounding page then you won't get the extra interest rate. But, you have the freedom to change the compounding any time you want. If you want extra interest then use Days set option in the compounding page. Enter the number of days you want to set the compounding to 100% and you will be all set.
• Minimum number of lock in days required for advanced option is 30 business days and obviously maximum is 210 business days.

In TopFinancial, you will be automatically upgraded to the next level when your principal reached the minimum for that level. Assume that you invested 900$ in Level 1 with 100% compounding. Then in just couple of weeks your principal will reach 1000$ and you account will be upgraded to Level 2 automatically. Then, you will enjoy getting a fixed rate of 1.8% instead of variable 1.1 to 1.4% rate.

Payment Options - TopFinancial accepts only Liberty Reserve and Bank wire deposits now. This is really very limited payment options. I contacted admin regarding this and admin promised to add SolidTrustPay and Perfect Money very soon. I suggest admin to consider adding Strictpay option too. As far as I know, most hyip players are using LR, PM and SP payment options. So, it would be nice to see Strictpay included. I don't have any information on Bankwire deposits. You need to raise a ticket to admin to get the bank wire details in case if you are interested to use.

Security - TopFinancial is hosted on a dedicated server. Website is having 256 bit SSL encryption and Comodo verification logo with identity assurance upto $1,000,000. Regarding DDOS protection, some monitors are saying that website is ddos protected but some are saying that it is not protected. So, I contacted admin to get a clarification on this. Here is the reply from admin,

We are using our own unique anti-DDoS protection setup. So far it has never failed. In addition to that, we have an agreement with one of the leading anti-DDoS protection providers. Should we encounter a serious DDoS attack on our website, they will implement their protection at once.

If you ask me, I won't take this serious as long as website is having 100% uptime. So, I decided to consider TopFinancial as DDOS protected website. TopFinancial is using custom made script which is really very cool. But, I believe adding turing code in login and having a withdrawal password will give extra protection from hackers. That will make this script as a perfect hyip script.

Design/Content - Design is very simple and pleasing. Website is very readable with high usability. Though the script is custom made, navigations are very simple to understand even for a new bie investor. I like the calculator they have in the website. It gives detailed information about your daily interest rate and amount added to your principal. You can check it out in there website. If you want a simple calculator then you can try my hyip calculator here. I don't know why they have Registration link even after the login. May be programmer need to fix this.

According to website, TopFinancial is an online unit of Hassel Trading company which is incorporated on 1996 itself. TopFinancial domain is created on 16-Dec-1996 and it expires on 14-Dec-2012. The domain is last updated on 05-Apr-2009. So, they might have bought this domain from some other person on this year April. But, I am not sure. They do have an address of incorporation which you can check by placing your mouse over the comodo logo or in whois record. Incorporation documents are not available to the public. If you are interested in seeing the document then you can send an email to support@topfinancial.com. They might provide you the documents. As usual, they are claiming that the profit is generated from forex market. It is up to you guys to decide whether to believe this or not.

Support System - If you need support from admin then you may contact using Live chat, by Phone or via Support form in the website. You can also send an email to support@topfinancial.com because the support form is doing only that. Actually Live chat and Phone support are added very recently to the website. Admin doesn't seems to be active in any forums but you can chat with admin using live chat. Phone support is available between 9am to 5pm EST Monday through Friday. Check the contact us page for the phone number. Admin is replying to tickets in 4 to 5 hours which is good.

My Investment - I am not a big investor like most of you. My policy is to Invest Less and to play smart so that I can earn for long time. I invested 20 bucks with 30% compounding. If you see my investments in various programs (see program details page) then you can easily understand that I am a real investor and not a paid posted like most monitors/blogs. So, you will get real honest information from my reviews and news.

Points to Note:

• 3 Level referral commission - 6% for your direct referrals and 2% for second level and 1% for third level.
• Custom made script, SSL, DDOS protection, Comodo verification logo, sustainable plans
• 0.25$ minimum withdrawal
• Withdrawals are not automated and it may take upto 24 hours to receive but mostly in few hours
• STP and PM payment options will be added soon
• Admin recently launched a big advertisement campaign in reputed forums and monitors

Quality Factors:

I analyse all the programs in depth and rate them using various quality factors. I believe this is the honest way to rate any program. Once program is rated, I will keep watching the popularity of the program using various tools and the rating is updated accordingly. Keep an eye on program details page for latest rating for any program.

Quality Factor	Rating
Is it a sustainable investment plan? (High 6)	5.50
How is the design and usability of the site? (High 4)	4.00
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 7)	7.00
Does it have DDOS protection? (High 8)	6.50
How is the security of the program? (High 10)	10.00
How good is the script used by the program? (High 10)	8.50
How is the up-time of the program website? (High 5)	5.00
Does it accept more payment processors? (High 4)	2.00
Does the program has it's own forum? (High 2)	0.00
Does the program has proper support ticket system? (High 4)	3.25
How fast and how good the support team answers the ticket? (High 5)	5.00
How is the admin marketing the site? (High 5)	4.50
How about the website traffic ranking in alexa? (High 5)	3.25
The X Factor (Hidden) (High 6)	3.50
The Y Factor (Hidden) (High 5)	3.75
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 2)	0.00
How is the opening response in forums? (High 6)	3.50
Any spam mails for this program? (more points if NO) (High 5)	5.00
Average rating	4.19

News Updates:

MindPowerSurf - Admin of MindPowerSurf program (reviewed here) Mircea started a hyip program called 14dailyinvest. I don't know why admin started another program when already maintaining mindpowersurf. This will result in too much of work and difficult to manage. MindPowerSurf is about to complete its second cycle and I afraid many investors will take this move as bad sign. In hyip it is very important to know what all other investors are thinking about a program. So, I decided to bring down the rating for MindPowerSurf from 3.96 to 3.61. Basically, I took this as a bad sign that's why you are seeing a big drop in the rating. Though everyone is payed, the payments are now delayed little bit. Admin said that she has some problem with ISP provider which is causing the payment delays. I am closely watching the progress of mindpowersurf.

IncoForex - IncoForex was under massive DDOS attack yesterday. Website was offline for sometime. Eventually, Draganora successfully mitigated the attack and website was back up to peed again. It looks like some members of incoforex are getting spam mails with advertisement link by the name of IncoForex. So far, I didn't get any spam like this. Admin of incoforex requested to not open those emails. See the update below from admin,

We never send any spam. If you receive advertising message from address on our site ignore it and never visit site is advertising. We hope on your understanding. All spammers are blocking immediately in our system.

These emails are sending by our unhonest competitors trying to disable our domain!

Thank you for understanding and cooperation. Please ignore all emails. We don't send even our company's news to the our customers e-mails.

Incoforex do have a good news for you. It looks like admin of IncoForex tested a new trading strategy for last seven months. It is going to be implemented in next 3 month which will improve the daily profit percentage. Anyway, I will be happy if daily percentage increases because currently the percentages are low. There is no change in the rating for this program.

ShiftMoney - This program already paid for the expired upgrades in Plan A. In few days, my upgrade on Plan B is going to get expired. Shiftmoney's this week promoton is for deposits on Liberty reserve payment processor. You will get 5% bonus if you deposit in LR. But, remember you have to request your bonus using claim bonus link in the website. Admin is sending updates daily to motivate the investors. Currently Shiftmoney has 750 members by the time of writing this news update. No change in the rating of Shiftmoney program.

BlitzInvestment - The advertisement campaign recently launched by this admin is working out well. After the recent advertisement campaign the alexa ranking for this program is very attractive. Now, I have more confidence that this program will last for another cycle atleast. As I always say, marketing is very important for the success of a program. That's why I am monitoring the popularity of a program using various tools to find out whether it is safe to invest or not. Anyway, I have to increase the rating of this program from 3.96 to 4.05.

All other programs are not in news today. You can check out the daily hot news in the news ticker which is shown just above the header of my blog. See the image below to understand where it is exactly shown,