Recommended: JustBeenPaid

The history of practically all high-return programs has been that they suddenly disappear and whatever money members have in them is lost. JBP have the first and only high-return program that's indefinitely sustainable.

Royalty 7 is a private investment and wealth management company that allows international participation of individual and group a like.

HYIP: Silver Structure

Silver Structure has vast interests in the narrow niche of dealing with silver that has been almost forgotten by many in the past few decades.

HYIP: Benson Union

They help thousands of global customers earn a stable daily profit on the Forex market.


Invest Market or well known as INV Market are now expanding via worldwide through our website and we are giving guaranteed result to our valued clients.

Saturday, July 7, 2012

Silver Structure July 2012 Review

Coming soon...

Friday, June 22, 2012

Improve and Diverse

The act of improving; advancement or growth; promotion in desirable qualities; progress toward what is better; melioration; as, the improvement of the mind, of land, roads, etc. 
That is the definition of the word improvement according to Wiktionary. Investing in HYIP is like that. In case you got scammed, you just need to move forward and at least know the reason why the program failed. Maybe because It's been running for too long when you joined, or maybe there are no new members where they can get the payment for old members. What ever the reason, you at least have an idea what to do in your next investment. What important is to learn from our mistake or learn from the mistakes of others.

Maybe when you got scammed you're scared to invest more money. I don't think that's the right attitude when investing in HYIPs. Earning in HYIPs is fluctuating. Sometimes there's a gain and sometimes there's a loss.

Don't put all your eggs in one basket. 
It is important to pick several high potential looking programs and put small amount on each to minimize risk. So even if one or two program failed you still have several other programs to cover the loss. On the average you'll be on a gain. Don't dedicate all your resources into one thing.



Thursday, June 7, 2012


Nothing is permanent except change.
Change, It can be easy for some but difficult for others. I started investing online because I wanted change. Change in the way I lived. I don't have my parents anymore and I don't want to be a burden to my sibling and family relatives. It's not like I don't really have money but I wanted to be independent. Being independent brings more views in life. You can be whatever you want to be, do whatever you want to do and decide for whatever cross paths you might come into you along the way. You take your own path and your own destiny. (Oh, enough with the drama, please!)

Moving forward, changes on my posts...

The last few posts are all about the HYIP program monitors and payment proofs. Today, I have decided to put those down and to change the focus of the posts.

The reason for this would be, what I really want is to have a blog about how I earned bucks online and gained financial freedom, not to provide HYIP monitors and payment proofs. We have few forums and montoring sites for that already.

So What Now?

That would mean more articles! And yeah, monitoring and payment proofs posts will be gone (Yay!). I'm sorry if this would bring disappointment to some. However, I know what I want now. That will be to provide information regarding my experiences (Financially) online and to help others with their own journey through my best knowledge. This was my original plan with this blog and posting Monitoring and Payment proofs was great idea, I thought (Oh Silly me).

So expect more articles this coming days. You can view My Portfolio here. Ciao!


Image courtesy of

Thursday, May 17, 2012

My Unionbank EON Visa Debit Card Journey - Activation

As you may have read, the application for my UnionBank EON Visa Debit card went smoothly. However that is not the case with the activation of my card.

April 14,2012, I went to the nearest UnionBank branch to change the PIN on my card. I noticed that UnionBank have less branches than other competing banks here in the Philippines. Once I arrive at the branch of my choice, I changed my PIN immediately though their ATM and it went smoothly. I then left the branch and night after I got home I registered my card online.

April 18, 2012 around 4:50 pm, I receive an email from UnionBank stating that my account has been successfully enrolled to their Internet Banking. I was glad since I should be able make my first transaction online. I tried to log into my account and it went through. For the first time I was able to see it's interface.

I searched the internet for online traders for my Liberty Reserve account. I need someone to convert my Philippine peso to U.S. Dollars. This should happen, I will transfer my the money from my UnionBank account to exchanger's UnionBank account and the exchanger should transfer fund to my Liberty Reserve with the appropriate amount.

I found a trusted online e-currency exchanger from, pcx_contact. Read review about pcx_contact here.

I tried transferring plentiful amount of money from my Visa EON account to the exchanger's Visa However, I was receiving "Transaction not allowed" message. I kept trying, however transfer was still in vain. I guess I need 24hours before my account would be activated.

The day after, April 19, 2012, I tried to transfer again but still it does not allow me to. I got UnionBank's Customer Service phone number and I called them. I stated my problem to the first CSR I got into. He put me on-hold for a while and the call got disconnected. I tried to call again and
 I explained my problem to the next CSR and I got put on hold again and It got disconnected after a while. I tried to call again and I was not able to because my phone ran out of prepaid credits. I was getting upset since I just loaded Php 150.00 for my mobile device which was all consumed by calling UnionBank. They don't even call back clients when call got disconnected. I reloaded my prepaid account and called again. The CSR told me I should wait another 24hours for my account to be activated. I was contented since my problem was answered. It should be resolved in 24 hours.

April 20,2012, I tried to transfer funds again, but still I got the same "Transaction not allowed" message. I tried again after a few hours, even after the 24 hour mark was over, still, the problem persists. I was very frustrated and I called their Customer Service again. The CSR created a report for me.

I was going to school when my phone rang. I answered it and learned that call was from UnionBank. They informed me that I should go to my home branch to resolve the issue. I was frustrated over the phone and I told the CSR that I received an email from them last April 18 stating that I should be able to transfer funds. I asked her why can't I do that and why should I go to the home branch to resolve the issue. It will be too much of a hassle for me to do that. However, she stated that she just called me to have me informed. Yes, I know that the CSR couldn't be much of a help and I said my goodbye to her. I know I won't be able to go to the home branch that day and for the week since I will be working from 10 am to 7 pm. The only time I will be able to will be on my work off which is Thursday and Friday. A week from this point. Even though I was frustrated I couldn't do anything.

About a week later, April 26, 2012, I went to my UnionBank home branch in Makati Avenue. I stated my problem to the lady there. She checked my account in their system and told me I shouldn't  be receiving the "transaction not allowed" message since the account is not blocked. She asked me when was the last time I tried to transfer funds. I could really recall that time and told her about a week ago. She gave me the number to that branch and advised me to call her if I would still receive the message.

Oh come on! Seriously!?

I was tired when I got home. I contacted my exchanger and I tried to transter again. FINALLY, the transaction went through! I was happy and made my first few investments online.

Know about my trusted exchange by reading my review here.

Learn where I invest by on my next post...


Image courtesy of

Thursday, May 10, 2012

My Unionbank EON Visa Debit Card Journey - Application

Most of the famous internet marketer in the Philippines use UnionBank Philippines's EON Visa Debit Card as their primary payment method. It is famous for the capability of PayPal being linked to the account associated with the card. I personally have a PayPal account. However, I do not use it and it's still on "Unverified" Status. I just don't actually want to activate or verify my account as of the moment. So what I'm going to tell you is my story of how I got my EON Visa Debit Card account opened.

I applied to this bank account because of the features available to the account owners. As listed on Union Bank's Website:

With your EON, it is easier to:
  • Pay your bills online
  • Access your account online, 24/7
  • Withdraw at VISA PLUS ATMs worldwide
  • Withdraw at any VISA PLUS ATM Worldwide
  • Link to your PayPal account
Without further ado, the story. Night of April 11, 2012, I applied my application online at UnionBank Ph's Official Website. I filled up the application form and I received an email and sms from them after about 5 minutes the application was submitted (around 3:39PM). Each contains the reference number and a reminder to bring the requirements that I should present personally on the branch of the bank I have chosen (Makati Avenue).

The day after, April 12, 2012, I made a trip to the branch. I presented the SMS I received. The lady asked for the requirements. I presented my PhilHealth card which she said is not an ID. I presented my school ID, my Company ID and my Postal ID. I told her I was enrolled. She examined the IDs I presented  for about 1 minute or two. She asked me why the address on my ID are at the province. I told her that was my permanent address, and the one I'm at is a rented place which I do not own.

She then provided me an application form which she requested me to signup which I did. After a while she's was preparing the Visa Debit Card for me on the computer on her desk. She said my first name would be truncated since it was long and is two words (John Christopher). She asked me which I prefer to be on the card, John or Christopher. I was worried since I would be using this card mostly to transact online. So I asked if that could cause a problem on transactions since all the documents and accounts I have online is in "John Christopher" first name. She actually didn't answer my question. 

After a while, waiting for the card to finish printing my name on it, she came back to the desk and told me she got my whole first name on the card. She showed me the card and told me she tried to make the font size smaller. I was glad and I thanked her for her efforts.

She asked me if I would like to deposit then I said yes. I deposited the initial amount I planned to invest online. She handed me my newly made EON Visa Debit Card and told me that the card would be activated after 48 hours and I could register online and should change my PIN code after 48 hours which is a Saturday, April 14. I happily left the branch knowing that my I should be able to invest soon and that was the first step.

Thank you for reading the first part of the story. 

Thursday, May 3, 2012

The start of something good... my journey towards financial freedom!

Hi I'm Jc, a student at the same time working as a Technical Support Representative in the Philippines. I love my job as I enjoy what I'm doing.

As you may know everyone wants financial freedom. I'm one of the people who's searching for a method wherein they could earn money from the internet. 
I've been a member of Paid-to-Click site for years now. However, I was not an active PTCer (term I use to represent people who are getting paid to click) since I find the work very boring and I need to wait for each advertisement to finish their countdown timer and I not even earning a single dollar. There are success stories in Paid-to-click sites and I just discover them now.
I've been a member also of several Multi-Level Marketing (MLM) companies here in the Philippines but I really find it hard to approach anyone since not everyone are as open minded as me. Once they hear the word 'networking' they always presume that it would be a 'pyramid' and 'scam'. Not everyone is really willing to give out their money for products they don't actually use either. I'm really not into "recruiting" people as I find it really hard to find "prospects" with the last MLM I joined (selling pills and beauty product, meh!). I don't like the idea of pushing others to join the network that I joined just because I felt positive about it. In the end If I pushed too far, I'll have less friends.
April 2012, I search the internet (again) for money making online and i learned about High Yield Investment Programs. Night of April 11, 2012, I decided to apply to UnionBank PH EON VISA Debit Card to get things started with my HYIP journey. I started my first online investment with the amount of Php 10,000.00 or about $228.5 and I'm really happy about it. First progrm that I have invested on are Justbeenpaid, Royalty7 and last but not the least, Silver Structure. 

I have created this website/blog to help other people know the 'reality' behind online money making schemes like PTC sites, HYIP, MLM and ways to find lead to achieve maximum potential in every aspect of the program by providing my experience and observations. Hope you enjoy browsing this blog of mine.

Let's stay hungry and foolish! :)