High Yield Investments

High yield investments are investment programs that offer more potential for gain, but at a higher risk. High yield investment programs or HYIPs work on one of the basic principles of investing: the higher the risk, the greater the potential for gain. Some of the investors choose to invest a small amount of money in these high yield investment programs. This practice allows them to take advantage of high returns by putting a small investment at risk.

A major issue faced by high yield investment programs is the involvement of a large amount of money placed at risk for a high potential gain. Many investors are looking for quick, substantial gains and therefore, though they could start with a lower sum, they choose to invest all they can. These investors calculate the maximum amount of money they can afford to put on risk in order to take advantage of the high potential return. Some investors go as far as investing more than they can afford, though this is not recommended.

Another issue is that some of the high yield investment programs are well-disguised fraudulent schemes that are designed to rip investors off. Such HYIPs are illegal. Therefore, it is recommended that investors do a thorough background check of the group or person presenting the investment. While investigating, investors must also check if the investment company has insured the investments of its clients. This further establishes the credibility of the company.

With HYIPs, another possibility is that they may not pay as well as anticipated or may not pay at all. Therefore, experienced and smart investors prefer to put only that amount of money in HYIPs that they can afford to loose without major consequences.

To combat various issues related with high yield investment programs, experts advise to diversify the investment portfolio, as there is no real way to cushion the investment.

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Making a Living From High Yield Investment Programs

This is probably one of the most asked questions we get. "Is it possible to Make a living off of HYIPs?" The answer to this question is both "Yes," and "NO". Let us explain.

"YES" people can make a living off of HYIP investing. If they have the skill the drive, and the ability to recover from major losses. In theory, it is possible and often times probable to make a good living ($20,000-$50,000) per year in the HYIP arena. The problem is however, that in order to do this, the investor needs to take a major risk. Without the financial backing in case of bad investment decisions, many individuals do not and should not even consider making HYIP investing a career. This brings us to why this question can also be answered "NO".

"NO" people can not make a living off of HYIPs unless they are extremely skilled, and are already in a good financial situation. This can be said however for stock market and bond market investing as well. If you have half a million $'s then sure, you can live off of the earnings you make in the stock and bond markets, or turn to the more risky HYIPs to earn even higher returns.

The point of this article is to show that usually if you are looking to make a living on HYIPs, then you probably won't (and should not) be able to do it without risking a very large portion of your assets. On the other hand, those people who have a great deal of money and are not looking to make a living since they have more then enough funds to live off of, are the people who can make a living off of HYIPs. If you are desparate and looking for quick cash, then you should not be investing large sums of money in this arena, however if you are wealthy and looking to increase your wealth and have fun, the HYIP arena may be right for you.

In conclusion, those looking to make a living in this arena are those that probably won't, while those people who are not looking to make a living in HYIPs are usually the ones who do, but don't need to.Owner of some of the Largest Online Investing forums which include:
talkgold.com/forum
http://www.thehyipforum.com
http://www.web-life.org/vb
http://www.filesharingtalk.com

High Yield Investment Products

Introduction

The term High Yield Investment Products (HYIP) is used to indicate non-traditional investment products promising much higher returns than traditional ones like stocks, bonds and real estate (I don't really consider Fixed Deposits or CDs as investments).

HYIP normally derive their profits from FOREX, futures, options, arbitrage and real estate flipping. These are areas where the tremendous leverage gives rise to possibilities of high returns.

With the proliferation of the internet as a medium of advertising, communication and business, many HYIP sites have sprung up. The returns are incredible - some promising 5% daily! Compare this to a bank deposit returns of 5% annually and you can see their attraction.

The Sleazy World of HYIP

Unfortunately, the world of HYIPs is laced with scams. The anonymous and global nature of the internet has made it easy for anyone to simply set up a web site and fleece unsuspecting people who are buying into hopes of riches or financial freedom. One HYIP expert I know of puts this scam rate at 95%. In other words, you have to kiss 19 toads before you find your prince.

Many HYIPs are a play on the old Ponzi and Pyramid schemes. As long as they are paying out, people get excited and invite friends and relatives to put in more money. The power of Word-of-Mouth marketing is the strongest in the world, and should not be underestimated. If the HYIP operator can get money coming in faster than the money they pay out, the program will continue to earn big bucks for them as they take in the percentage. In fact, even those who came in early will also benefit, some tremendously. All these add to the emotional hype surrounding the HYIP.

However, once the money flow can no longer be sustained due to the operation of mathematical laws, they simply fold and move on. The losers (those who come in later, attracted by the hype and emotional draws) are left to lick their wounds.

Investing in HYIP?

Interestingly, if the scam rate is 95%, it means that there is a 5% out there with real programs that are paying out money regularly, for a long time. How then, do we invest in HYIPs without killing ourselves?

I offer this 5-point system for investing in HYIPs.

Aim for cashflow rather than compounding. HYIPs come and go, and the winning attitude to adopt should be guerrilla tactics rather than taking the ground and slugging it out. Take out the money as much as possible, as soon as possible, until you have recouped your investment - the rest are then free money for you.

Go small. Put in not more than USD100 at one time. In fact, there are those who espouse even USD10, if the programmes do not have minimum spends (investment). Spread out your investment over many programmes, and expect many of them to fail. This expectation will make it easier on you emotionally.

Check out the website. It should be on its own domain (not a free domain) and should look professional. Try and look for those with a forum so that you can check out how well the admin responds to those they serve. Check out the operators and managers of the programmes (also called the admin). They should be easily contacted. A proper e-mail (not free e-mails like Hotmail) should be available and the response should be quick.

Be wary of HYIPs that uses referral programmes to induce people to join. Experience has indicated that referral programmes are a big warning sign for 'Ponzi'! Be wary also of HYIPs that promises more than 20% per month. Such programmes are extremely difficult to sustain.

Programmes that have been in existence for longer than a year are normally good programmes to join. They are also extremely rare though. It is easy to check how long the website has been operation by checking out www.whois.com. However, you must be aware that a website can be registered first before it is operational. Few scamsters are going to wait that long though.

Conclusion

I trust that the information presented in this page has been useful to you. You may want to contact me if you have further questions.

Michael Chan used to be a teacher, before he left to run a managed fund. When his business failed, he returned to teaching, and is currently a Department Head at the Shanghai Singapore International School.

He constantly applies his business acumen to his job, to add value to his employer. His thoughts on K-12 education and on financial education can be found in his blog at http://www.senseimichael.com

High Yield Investment Programs - Auto-surfs - and Other Ponzi Scams

Those of us trying to make money on the internet have come across advertisements for auto-surfs and HYIPs on more than on occasion. These ads often make outrageous claims of earning potential. All you need to do is give someone else your money and they will give it back plus 20%-40%. Right? Apparently many people have been getting burned by these high yield investment programs and auto-surfs lately.

High yield investment programs should be called high risk investment programs. As someone who has learned from experience I can say that the chances of receiving even one cash out are very slim. Be sure to realize that all of these programs are games. Games of chance and not of certainty. More often than not you will receive an email containing an explanation of why your money is gone. It is usually due to someone stealing it, the site being hacked, or both. Sometimes the site just disappears out of nowhere.

The promoters and owners of these programs sell other people on the hopes of making thousands of dollars. This is because that person participating in an auto-surf or HYIP makes around 10% of any money that their referral decides to put into the program. I strongly recommend avoiding high yield investment programs and auto-surfs all together. Try finding a legal and proven network marketing program that requires hard work and determination. You will feel better at the end of the day knowing that what you are working towards is legal and honest.

Come see what SonicoWeb has to offer.

Please visit http://www.sonicoweb.com to see a new type of traffic exchange.

High Yield Investment Programs and Investing

I have recently started to get started with online currency. The current online currency of choice by basically all investment programs is e-gold.

To get started in online investing, you should first create an e-gold account and add funds to it. There are a few ways to fund your account. The first and most reliable way is to use an exchange service to transfer funds from your bank, credit card, or other forms of credit. E-gold has a list of them here. The second way is to exchange with a private person. The following sites are popular forums where members offer exchange between a large variety of different online currencies: GoldAge, TalkGold, and MMG. The third way to get money into your account is to join some kind of "Get Paid To" program. These programs will pay you to do things such as read emails, click links, and sign up for offers. They are useful if you can't fund your e-gold account by any other way and you have $0.00. The disadvantage is that they take a while to build up some funds. The programs that I have used and paid me are GoldAge (paid to post), and Donkeymails.

After getting at least $1 into your e-gold account, a bunch of new opportunities to make money are available. The ones that you should look for are HYIPs (High Yield Investment Programs). These programs offer a high rate of interest for depositing your money. These programs are risky and may run away with your money. The best way to minimize your risk is to do research on the program. Find out where its hosted at, search about it, check out forums posts about it, and check HYIP monitor sites about it. The key to making profit is not to put all your money into one program as it can drop and disappear at any time no matter how reliable it was in the past. History repeats itself over and over and some people never learn that no program can be trusted 100%. Sites that offer 10% daily or more are the riskiest.

If you are one of few successful investors who have made lots of profits, you may want to start thinking about investing a portion into low yield investment programs. These are much more reliable than HYIPs, but they offer much lower rates.

Programs to avoid: Matrix doubling programs - these are programs where you pay like $5 and get like $1 for every member you refer. It advertises that you can get thousands if your members refer more members and you get $1 for each in theory but it never actually works out. You will lose your money in 95% of these programs.

Poorly designed site - sites that have misspellings, grammar mistakes, and bad layout. These programs usually run by amateurs and those who can barely speak English. The risk for these programs are bigger than usual and the admin of the program is probably just out to make quick money off of you.

Game and betting sites - sites that offer games such as head/tails and state that you get 250% profit for winning. The truth is that the win rate for these programs is like 30% and you will lose your money. I have seen one of the scripts myself and saw that you can set what the win rate is.

Other sites: There seems to be a big craze and hype about a program called AGLOCO. However, I personally don't think it will be as successful as everyone thinks. There are like hundreds of people trying to get referrals for it and unless you are willing to spend money, time, and effort, I don't think you will get very far. It's your choice and you can go ahead and join it if you want and prove me wrong.

posted at Bofia's Blog

Hot To Yield Spectacular Gains From The Commodity Investment Boom

What?s your take on unfashionable investments? Investments and markets that are so hated that they are rarely talked about ? that have little or no mention in the financial media and near the bottom of their trend graphs??

I like them...sometimes. They are the ones with ten bagger potential ? gains of 1000% and more within a reasonable space of time. I say ?sometimes? because all too often, investments are hated due to good reason ? there?s a lot of wisdom in the price of any given market.

But the market does get it wrong sometimes. At any given time there are investments that should be far higher than their market price ? a correction will happen at some time and that?s why I love looking at hated investments. Listing them. Waiting for the tide to turn. And getting in well before the crowd when the indicators are right.

That?s exactly why the commodities market has been on my radar for some time now ? here?s a terrible performer that has performed sickly over the past two decades - adjusted for inflation the value of commodities investments during this period has declined significantly. And let me ask you something ? aside from small pockets (such as gold & oil) how much attention do you see general commodities getting? Do you see books about them when you peruse the investment section at your local bookshop? Do you hear your friends boasting about their most recent commodities investment? No ? because at the moment, despite the fact that prices are now moving north with some conviction, commodities are still unloved?and if as I believe they will continue to rise, this could be the start of a longer term commodities bull run and a very good time to invest.

Did you know that commodities prices have been heading upwards, almost un-noticed for some time now? Coffee, copper, wood and sugar are just a handful of the commodities that have enjoyed between 40% to 80% price growth per year in recent times. The exciting thing is that this could be just the start of a long commodities bull run ? and when you think that the majority of the investment world still avoids commodities like the plague, there could be exciting times when the world finally wakes up to smell the coffee?quite literally.

The Case For Commodities Investment ? A simple Question Of Growing Demand & Falling Supply.

The sophisticated investor understands one thing ? whatever the current price of a product, it?s price will ultimately correct to reflect the basic demand versus supply equation. Yes, we get bubbles ? anyone that invested money in ?Useless Dot Com PLC? around 2000 at a PE of about 967 will vouch for that. But ultimately, the market corrects itself ? overvalued markets and companies come crashing down with an almighty thud. And undervalued markets and companies get re-rated.

Why do they get re-rated? Because the market understands that there is an imbalance. In the case of Useless Dot Com PLC the market realized that the company (which by the way is fictitious) was just sitting on some cash with some far fetched business model with no underlying demand for it?s core business activity or product. The result is that the market valuation for Useless Dot Com PLC was trashed.

In the case of commodities, the market has no choice but to re-rate the market upwards because (as we?ll see) there is a significant imbalance in the demand versus supply equation. Global demand is far higher than global supply ? and ultimately this will push prices up and up.

Why There Is Increasing Global Demand For Many Commodities, And Dwindling Supply.

The two rising super-powers ? China and India are developing rapidly at the moment and consequently are consuming more and more commodities to fuel this stunning growth. China (and it?s relatively youthful population) is already among the biggest global consumer for commodities including platinum, steel, copper, iron and several other metals. The country is experiencing a construction boom and this has resulted in an incredible thirst for raw and processed metals. India imports more gold and silver than any other nation, is investing heavily into it?s infrastructure and is the fourth largest global consumer of crude oil in the world.

Both India and China are developing into global super-powers ? and in order to do this, their level of consumption of commodities will be fierce and almost unsustainable over the next two decades.

Now is the right time to get involved with the commodities boom.

How You Could Be Looking At 1000% Gains Within Five Years With These SOARING Commodities. Free Report Worth $49: Discover How To Get In On The Ground Floor Of The Commodity Boom!

How To Improve Yield On Short Term Cash Investments

Today, the returns in the investment market are modest. Hence, one must focus on maximizing the short-term cash investments? performance, to derive voluminous benefits from investments. Investing in short-term cash bonds is a wise option, as they yield higher returns and preserve the investors? capital and liquidity. Moreover, the rising interest rate scenario imparts such an instrument added attraction. This is because in the rising interest rate environment the yields on such bonds more than offset the depreciation associated with the bond price that is driven by the rising interest rates.

Features of Short-Term Cash Strategies:

Such strategies are designed keeping in mind that the investors might need the money in the near future. Therefore, the cash needs to be invested in income securities that have low risks and are readily marketable. Investors have a variety of options to choose from when it comes to investing in short-term cash bonds.

There are negotiable CDs that offer the investors perfect liquidity. They offer the investors flexibility of redeeming their investments, whenever necessary, at face value or at par. This is a great advantage, as the investor may need those assets within a short duration.

Typically, such short-term cash investment strategies are available in the market for one-year duration or even less. Such a duration of the investment means that the net value of the asset does not fluctuate by more than a percentage point for one percentage point fluctuation in the rate of interest.

Short-Term Cash Investment Yield Greater Returns:

Such investment strategies yield higher returns taking advantage of the four structural inefficiencies of the yield curve. Investors can increase term premiums on their investments by expanding their portfolio?s duration. Such a tactics improves the performance of the investors? portfolio and does not possess any risk of negative returns.

Prefer greater spreads for getting higher liquidity premiums on the bonds. Securities such as floating rate, callable corporate securities, and adjustable rate mortgages are not readily bought in the secondary market, and therefore pay their investors higher yield premiums. Since these securities have short durations and comprise only a small portion of the entire portfolio, investors can hold them to maturity with minimum risks.

Credit premium yields ban be improved by diversifying the holdings in such a manner that it consists of both high-quality and low-quality securities. A careful bled of selected bonds into the portfolio increase the possibility of higher yields and lowers risks because of diversification. Investors who can withstand high fluctuations in principals can benefit from volatility premium. They however have the option of paying an excess premium to obtain stable prices.

Alexander Gordon is a writer for http://www.smallbusinessconsulting.com - The Small Business Consulting Community. Sign-up for the free success steps newsletter and get our booklet valued at $24.95 for free as a special bonus. The newsletter provides daily strategies on starting and significantly growing a business.

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Research Key to High Yield Investments

Invest in high risk investments and receive high yields. Invest in low risk stocks or funds and receive lower yields. It is a standard investing maxim. But ?risk? is the operative word and there are no guarantees in either class. The key to success is not simply sticking your money into a high risk investment and hope for the best. High yields investments require that you take into account several factors and research is key.

If you take the time to do your homework, you can reduce the risk in high risk investments and maximize yields.

In reality, most high risk investments will potentially fail to make you the money you expect and return disappointing yields. And this is usually not because of trading conditions but due to poor managers. The markets are a relatively flat playing area, so all asset managers start from the same position. Yet most fail while others excel. It is a fact that most mutual, future and hedge funds produce poor returns.

So what can you do to ensure that your investment constantly yield high returns? You are taking the risk with your money. How do you protect your investment and receive the rewards you would expect from your risk?

First of all check the consistency of performance of the investment. Any investment can have a period o high performance in a bull market. A short burst of high yields might be down to a specific market issue, a spike in one sector or generally strong trend. To take out the short term success factor look at the investment over a three to five year period. If yields are consistent and if they performed well in market downturns then these are the sort of vehicles worth your time. They will show that steady management has kept these investments returning good yields over a long period.

A second area to look at is fees. Make sure when you are reviewing yields that you look at fees and how they may impact returns. Fees can quickly add up and they can serious reduce your returns. And remember it?s you taking the risk.

Managers who get paid a portion of the trading fees could be in a conflict of interest between generating revenue for the fund or institution and what?s best for you. Mangers in this situation are more likely to trade in order to create more commissions for themselves and that might not be best for the investment.

Thirdly look at the performance of the manager. Look at his or her performance with all funds they have managed. Some asset managers will show off their best performing account but it is incumbent upon you to look at all their investments. And again look over a longer period of time. If the fund manager has been successful with a number of investment vehicles over three to five years through a number of market conditions then they are worthy of your confidence.

The best managers will use long term disciplined techniques that liquidate losers quickly and ride profitable trends. If you are risking your money in high yielding investments that are designed to produce higher returns then the method of trading is crucial. You have to have confidence in the manger that that will stick with their system or manage their way out of losing periods. Drawdowns are important to look at too. Drawdowns are the peak-to-trough decline during a specific period of an investment or fund. It is usually quoted as the percentage between the peak and the trough. A drawdown is from the time a retrenchment begins to when a new high is reached (because you won't know the depth of the trough until the new high is reached). It is important to look at your investment in terms of drawdown as well as profit and look at the performance in terms of the severity and length of any drawdown.

For example, if an asset manager produces gains of 60 percent with a 50 percent drawdown and another does 40 percent with a 15 percent drawdown, the latter is probably the better from a risk over reward point of view.

Another thing to consider is the length of a drawdown from peak to valley. If you jumped in at a particularly low period for the investment, how long would it take for you to reach a new high in equity?

As with so many investments research is key. But the higher risk of high yield investments means you have more things to consider and must research more and deeper into the investment and the manger. If you follow the above you can go some way to minimizing your risks and maximizing your profits.

Jay Northco is the editor of http://www.Cramerwatch.org a website that pits Wall Street Guru and host of Mad Money, Jim Cramer against a stock-picking monkey.

How To Select The Right High Yield Investment

Profit, this is the key to winning the game in the entrepreneurial world. This is also the same key to being successful. Without profits, the business efforts would be rendered futile and meaningless.

Just look at the business endeavors. People invest their time, money and effort to make a company or organization function and run. At the same time, the investments provided must, after some time, give returns to the investor.

Of course, a prudent investor is not just all about having some returns. The goal should be to get high returns or high yields in the investments. In this light, investors should at least double the amount of their money after some period. Thus, if the performance is good enough, the profits can be really high.

As such, there are people who venture into the high yield investment programs. Such programs are known for having high risks. At the same time, the expected profits can also be very high. Just what most of them would say, take the risk to take the reward.

This high yield investment programs have become more known recently because of the online businesses. Today, however, there are many people who are playing this game. Thus, if everybody wants to win, everybody also must be doing everything to do so.

How to Select the Right High Yield Investment

Given the scenario above, it becomes imperative now for a prudent investor to know the ways of getting high yield investments.

The investor must know the right choices to make in the field. He or she must manage the investments well. It is just a matter of knowing the factors that shall affect the investment and make it grow for more profits.

Here are some ways to know how to select the right high yield investment -

1. Research

Before ever venturing into this field, make sure that your entry point, either a company or another investor, make sure that it is reliable and trustworthy.

There are many scams that have fooled people into making them believe that they will make profits with the company. They convince their victims to invest right away their money. In the end, people give up money without getting anything in return because they invested on a non-existing entity.

Big amounts of money are involved in investments. Thus, do not let go of the money easily. Do a research first on a particular program or company. Know the history and performance and then decide.

2. Performance

Study how the investment performs in a particular period. Ideally, this should cover three to five years.

During this time, see how the management or company performs. There are instances when strong trends characterize the market. This is just like good luck, thus, high performance is to be expected.

The more crucial point to look at is how the management will work on other market conditions, especially when the trend in the trade is not that strong.

It is also a good thing to investigate the previous accounts held by a management being considered. Oftentimes, they put their best foot forward when presenting themselves. It is best to see their overall performance as against the good ones only.

3. Conflict of Interest

As much as possible, choose a management who does not get commission for their dealings. This is to avoid a conflict of interest. One cannot expect a manager to work for the interest of their clients if they get commissions too from the other end of the deal.

4. Way of Trading

See how the assets and funds are being traded. Learn about the methods being used. In aiming for high yield investments, this is a crucial aspect. A particular approach can help ensure that you will be able to get the returns, especially in the long term.

5. Drawdown and Profit

It is also good to look at the drawdown and profits of a particular investment. See how it performs in this aspect as the two may balance or offset each other.

For example a profit of 70% definitely sounds good. Of course, if it comes with a 65% drawdown, it would not sound good at all. Compare this to a profit of 35% with a drawdown of only 10%. The latter example is definitely the better deal.

Conclusion

Knowing how to select the right high yield investment as given by the points above can definitely help you in your endeavors. These can definitely increase the likelihood of getting big profits and being a success.

For more great high yield related articles and resources check out http://highyieldhq.info

How to Use High Yield Investment Programs to Make Money

 

You will learn from this article how to:

• Select programs with potential
• Avoid bad programs
• Minimize the risk
• Make money.

High Yield equals High Risk.

Let?s face it: this section of the Investment business is not short of honest-looking, blue-eyed, sweet-smiling swindlers. This disappointing truth means either staying out of this business altogether or pick your way through it carefully and be on your guard. Of course there are honest Program Operators with integrity and it is rewarding to find them.

Being careful means only playing with the money you can afford to lose. I used the word playing intentionally. When you enter this market you will inevitably lose some money, if not all of it. That isn?t a disaster when you only used money you can afford to lose and regard it as a sort of gambling game, but it is really disastrous losing all the money you invested in a desperate attempt getting out of debt.

Select programs with potential.

What is a program with potential? Is it the program with the highest interest rate? No, those are probably the least reliable ones. Ask you self a question: is it possible that an investment fund is able to pay you 5% a day, for a long time? Well you know it, of course not! Paying 5% every working day means 52 x 5 x 5% = 1300% a year!

High Yield Investment Programs (HYIP) will offer you anything between 0.7 and 5% per day, sometimes even more than that. Sometimes they offer a percentage of more than 100. This only means that, hopefully, you will get back the money you invested (the principal).

The lifetime of a typical HYIP does not exceed one year, of course there may be exceptions. Often it is a matter of months or weeks. Here today, gone tomorrow. It seems a hopeless task to select a potential program, doesn?t it?

Well, here are some guidelines to find a program that you will give a try:

• Have a look at HYIP forums, they all have rating systems. Beware of HYIPs with problems or are not paying.
• Go for programs with short investment-durations. Investing money for a year in a fund that probably won?t last that long, is not very clever. The higher the interest rate, the shorter the investment-period should be, keep it limited to one week if possible.
• Give preference to programs that pay back the invested sum. Programs that do not pay back the principle, promise high interest rates instead. The idea is that in time you will earn back the invested sum. But time in relation to HYIPs is a precious commodity.

Avoid bad programs.

Work on the assumption that probably they are all bad and look for exceptions. Inspect their sites. What do you think of their look and feel? Use your intuition. Some useful signs and criteria are:

• Programs with absurd high payments, they gobble up your money and THEY make an absurd high profit.
• Have a look at the site of HYIPs that you are considering. Sometimes they have a client-forum. If so, look at the quality of responses. If they are all slimy clones of Uriah Heep then you know enough.
• Inspect their procedures, do they provide you with a clear account of your balance. Is the withdrawal function working? You can try this out by investing a small amount and see what happens.

Minimize the risk.

Established investment-funds have a risk-management policy of their own and individual investors in traditional markets try to minimize the risk by spreading their investments over different stocks. Both groups spread their investments over several funds. Spreading the risk is what they do. The assumption is that not all the investments end in bankruptcy and certainly not all at once. If one does in a portfolio of 20 funds, there are still 19 left.

Unfortunately this policy does not work with HYIPs. Why? Because they are all likely to fail within a year. If you seek safety in spreading your money over many HYIPs and keep it there, you would probably end up losing it all.

Minimizing risks in HYIPs is done by limiting the investment-period of any investment and limiting the number of HYIPs you invest in at any one time. Not more than five.

Some HYIPs publish very interesting data on their sites. Such as:

• The number of investors
• The total amount of money currently invested
• The top 10 investors
• The bottom 10 investors
• Paid out today to. Reassuring to see your own (nick)name there when you are actually paid that day.
• Days in operation.

If you consider putting some money in a particular program, study these data. If they are available you are able to work out the average investment. Do not invest considerable more than that average. For instance: if the total sum of investments is $ 50,000 with 20 investors, resulting in an average investment of $ 2500, then I would consider it very unwise to invest a sum of $ 20,000. Your stake in it would be far too high.

Make money.

It is possible to make money if you make use of the following guidelines:

• Only play with money you can afford to lose.
• Consider HYIPs as a sort of gambling opportunity and play with it.
• Investigate a Program as good as you can before putting money into it. Consider trying it out with a small amount first.
• Do not put all your eggs in one basket.
• Do not put your money in more than 5 programs at the same time.
• Review the situation regularly. Daily if possible.
• Go for programs with a short investment time, a few days, a week. If your choice is a program with a longer period, see to it that the promised interest is ?realistic? (about 1% a day), if the interest % is too high, the program would probably not outlive the investment-period.
• Get your money back as soon as possible. Make use of programs that pay back the principal (the money you invested).
• Make limited use of compounding (adding interest to the invested sum in order to get interest over interest). This clashes with getting your money back as soon as possible.
• Withdraw the interest as soon as possible. Preferably daily.

Summary.

• HYIPs are a risky business, see it as a gambling game.
• Play only with money you can afford to lose.
• Select HYIPs carefully.
• Avoid ?too good to be true? offers.
• Do not put all you money in one program.
• Not more than 5 HYIPs at a time.
• Get your money back as soon as possible. Do not compound.
• Withdraw interest immediately.

Good luck and have fun!

Have look at my portfolio http://www.freewebs.com/johnquicksilver/

Internet High Yield Investment Programs. Opportunity or Scam?

High Yield Investment Programs or HYIP's are schemes where a person (the would-be investor) makes what is known as a "spend" (payment) of money in quantities ranging from less than $1 to $1000's in hopes of getting back a high return after a certain period of time. Most HYIP's that I have seen use the gold electronic currency business e-Gold as their payment processor of choice. The rate of return offered varies depending on the particular HYIP (I have seen sites offering rates as ridiculously high as 3000%) and when an e-Gold spend is made it cannot be reversed. This is in accordance with e-Gold's policy and motto which succinctly states: "Get paid, stay paid."

The following generic statement can be seen on the home pages of many HYIP's in reference to their program: "Our program is intended for people willing to achieve their financial freedom but unable to do so because they are not financial experts. xxxxx is a long term high yield private loan program backed up by Forex market trading and investing in various funds and activities. Profits from these investments are used to enhance our program and increase its stability for the long term."

In fact however, the High Yield Investment Programs are Ponzi schemes. Wikipedia, the free encyclopedia says: "A Ponzi scheme (named after Charles Ponzi who became notorious after using the system) usually offers abnormally high short-term returns in order to entice new investors. The high returns that a Ponzi scheme advertises (and pays) require an ever-increasing flow of money from investors in order to keep the scheme going. The system is doomed to collapse because there are little or no underlying earnings from the money received by the promoter."

It follows that HYIP's are usually short-lived affairs where the so-called investor is often scammed out of his/her money. I myself made a total of 15 small spends in 15 different HYIP's recently just to see and I can report that I got paid by none. Zilch. Zero.

So why do these sites continue popping up all over the Internet and attracting "investors" when most people know most of them are scams? Well, there's always the powerful allure of the possibility of making money without lifting a finger. That will always attract people. Always.

But the fact remains that if you have some e-Gold currency laying around that you don't need, you can invest in High Yield Investment Programs and make some scam artists always on the prowl for sucker money (like mine) very satisfied. Very happy. For the long term.

You may reprint or republish this article so long as my link(s) or resource box is included and published as well.

anelli is an aspiring Internet marketer who enjoys reading, watching and doing sports and life in general.

To download all your favorite movies and TV shows go here: http://moviedownloadpro.com/index.asp?revid=anelli2&glid=&ovid=

Want Satellite TV for your PC for a one time fee and over 3000 channels? http://anelli6.ipodpsp.hop.clickbank.net

Download Movies, TV Shows, and Games to your PSP http://urlsnip.com/144377

On High Yield Investment Programs

High Yield Investment Programs or HYIP's are schemes where a person (the would-be investor) makes what is known as a "spend" (payment) of money in quantities ranging from less than $1 to $1000's in hopes of getting back a high return after a certain period of time. Most HYIP's that I have seen use the gold electronic currency business e-Gold as their payment processor of choice. The rate of return offered varies depending on the particular HYIP (I have seen sites offering rates as ridiculously high as 3000%) and when an e-Gold spend is made it cannot be reversed. This is in accordance with e-Gold's policy and motto which succinctly states: "Get paid, stay paid."

The following generic statement can be seen on the home pages of many HYIP's in reference to their program: "Our program is intended for people willing to achieve their financial freedom but unable to do so because they are not financial experts. xxxxx is a long term high yield private loan program backed up by Forex market trading and investing in various funds and activities. Profits from these investments are used to enhance our program and increase its stability for the long term."

In fact however, the High Yield Investment Programs are Ponzi schemes. Wikipedia, the free encyclopedia says: "A Ponzi scheme (named after Charles Ponzi who became notorious after using the system) usually offers abnormally high short-term returns in order to entice new investors. The high returns that a Ponzi scheme advertises (and pays) require an ever-increasing flow of money from investors in order to keep the scheme going. The system is doomed to collapse because there are little or no underlying earnings from the money received by the promoter."

It follows that HYIP's are usually short-lived affairs where the so-called investor is often scammed out of his/her money. I myself made a total of 15 small spends in 15 different HYIP's recently just to see and I can report that I got paid by none. Zilch. Zero.

So why do these sites continue popping up all over the Internet and attracting "investors" when most people know most of them are scams? Well, there's always the powerful allure of the possibility of making money without lifting a finger. That will always attract people. Always.

But the fact remains that if you have some e-Gold currency laying around that you don't need, you can invest in High Yield Investment Programs and make some scam artists always on the prowl for sucker money (like mine) very satisfied. Very happy. For the long term.

You may reprint or republish this article so long as my link(s) or resource box is included and published as well.

anelli is an aspiring Internet marketer who enjoys reading, watching and doing sports and life in general.

To download all your favorite movies and TV shows go here: http://moviedownloadpro.com/index.asp?revid=anelli2&glid=&ovid=

Want Satellite TV for your PC for a one time fee and over 3000 channels? http://anelli6.ipodpsp.hop.clickbank.net

Download Movies, TV Shows, and Games to your PSP http://urlsnip.com/144377

What are High Yield Investment Programs?

HYIPs are programs which pool together the funds of their
members to take advantage of investment opportunities,
like stock trading and foreign exchange (FOREX) trading
among others. These HYIPs attract funds from members
(known as "deposits" or "principal") by promising high
rates of interest payments, which explain why they are
termed "High Yield Investment Programs". Naturally,
the higher the promised interest rate, the higher the
risk borne by the members. This is due to the fact that
HYIPs pay off their members from the returns on their
own investments. Therefore, it is possible for the payouts
to exceed the HYIP?s own returns, especially when the
rate of interest payment is high. If such a situation
persists, the closure of the program would be inevitable
and members will stand to lose their principals.

Scams

A scam is a fraudulent business scheme and this is rampant
among HYIPs. Some HYIP owners abuse the trust of their
members by misrepresenting to them about their investment
strategy, when they have NONE. Consequently, they will
eventually run out of money to pay their members and most
of them just disappear into cyberspace, along with members?
hard earned money. Therefore, we hope to educate readers
by offering our humble advices on minimizing the
possibility of being cheated.

Ponzi Schemes

This is named after Charles Ponzi, an Italian who migrated
to the United States and became one of the greatest
swindlers in American history. His aliases include Charles
Ponei, Charles P. Bianchi, and Carlo. By paying off initial
investors with money obtained from the later investors,
Charles Ponzi managed to swindle $15 million from 40,000
investors from 1919 to 1920. This is how the term ?Ponzi
Scheme? was coined. You should be aware of the fact that
some HYIPs are actually pure Ponzi Schemes.

My Advice

1. Never join any HYIP that pays more than 3% interest
daily as it is next to impossible to afford such a high
payout on a regular basis.

2. Always do a Due Diligence check on the program.

3. Listen to what fellow investors have to say about the
program in the various hyip forums. Check if it has been
paying its members.

4. Diversify your funds by making deposits in several
reliable programs. This reduces the risk of loss you are
bearing. Even if one program shuts down, you still have
other programs as back-ups for you to recoup your losses
from.

5. Determine the coherency of the program?s investment
strategy. See if the owners know what they are talking
about and if they have a sound business plan.

6. It is not advisable to join a program that uses poor
language on its website. If the program has thousands of
dollars of deposits, they should be able to afford to
spend a few hundred to hire a professional publicist, or
at least someone with a decent command of English to
instill confidence among investors.

7. Just because the program is paying does not mean they
will continue to. Decide for yourself how long more the
program can sustain and whether it is likely for you to
make a profit.

8. Always read the FAQs and the terms of payment carefully.
You may discover some terms which may put you in a very
unfavourable position.

9. Invest only what you are prepared to lose. Expect the
worst but hope for the best. Be conservative when
calculating your profits. Do a scenario analysis. This
will put you in the correct frame of mind when deciding
the amount to deposit with a program.

10. Do not compound your interest until you have earned
your deposit back. This reduces the likelihood of you
losing money as some programs do not survive for long,
especially those without sound business plans.

For searching new HYIPs always use any good HYIP monitor
like http://www.thehyips.info . This information prevents
you from SCAM.
 

The Benefits of High-Yield Investment

 High-yield investment can turn out to be very rewarding for investors. Although there is a certain amount of risk involved in high-yield bonds investments, they can also be very profitable for investors if they are targeted towards companies that have the potential to recover from their financial instability.

A high-yield bond, also known as a junk bond or non-investment grade bond, refers to debt security that has a very low rating. High-yield bonds are usually rated below BBB (according to Standard & Poor's) or Baa3 by Moody's; therefore they have a rating lower than the investment grade. Investors have access to high-yield bonds either through mutual funds or through individual business investments. High-yield bonds investments through the means of mutual funds are considered to be a lot safer, as they considerably reduce the chances of investing in non-profitable business trusts or companies. High-yield investments can become very profitable, as they can sometimes produce returns higher than those of solid, above investment grade bonds.

Companies that experience a temporary regression, going through less favorable financial situations, usually offer high yields to investors, in order to gain their interest. The trick in high-yield investments is to choose the right companies! Target your high-yield investments towards companies that have the ability to recover from their financial difficulties. For instance, you should avoid high-yield bond investments in companies that are constantly having difficulties in maintaining their position on the market. It is advised to invest in more powerful companies that have the ability to overcome their financial crisis. By investing in such companies through mutual funds, the risk of failure is considerably reduced.

High-yield bonds are a great opportunity to increase investors? profits and they are also a good way of expanding business portfolios. The interest rates of high-yield bonds are also a lot more stable than those of investment-grade bonds and therefore they can build a stable, predictable income. Although high-yield bonds are exposed to some risks, investors are the first ones to benefit from debt insurance, therefore minimizing possible financial losses in case of bankruptcy.

If they are carefully speculated, high-yield bonds can become very lucrative and can also expand the investors? business portfolios. High-yield investments should be always closed through mutual funds, in order to minimize the risks of investing in financially irregular companies. If they are targeted towards the right companies, high-yield investments can be very rewarding in time!

High yield investments have become very popular this days. If you are looking for great information on different high yield subjects fallow this links.