There are no Honest HYIPs

High Yield Interest Programs, or HYIP, are a very common financial scam out there. Unfortunately people don't seem to be realizing that these investments are too good to be true. Or maybe they just want them to be real to solve their financial problems. With the way the world is going for some, a program like an HYIP is a godsend. But people need to learn that some things sound very good and that makes them very bad.

It is hard to tell sometimes what a scam is and what are not these days. Thieves are getting more clever in how they steal money and new high tech angles exist every day. How can something that has a total stranger investing money for you with a guaranteed return of your money and a percentage on top of it be honest? It seems like a logical question but with so many strapped for cash these days, people don't want to think about that. Or perhaps they think that all investors are honest. Granted there are people out there who have investors doing legal work for them, but none of those investors are going to claim that a return of the client's money is guaranteed. When it comes to trading money, nothing is guaranteed. So it's logical that no HYIP could give results like that to any person.

Common sense does not always work when it comes to people and money. Some are extremely trusting and will believe what any "expert" says. It doesn't help that money can be transferred easily online these days either. Even if a reputable bank is used for the transfer, they may not be aware of the scam. Once the money is in that bank and the scam artist sends it to their offshore bank, the money is gone. This can make it hard for some to understand how it can be a scam. But the bank doesn't know that the money is supposedly an investment that will have a return. Why would someone need the money transferred into an account like this for an investment? It again goes back to using common sense. And changing the name doesn't change the scam. That can make it hard on someone too. They know it as one name but a different one comes along and they think it's legit. But the premise of the deal is the same and that should be a tip off that this is another version of the HYIP scam.

Raiel Schwartz has been in the HYIP Arena for several months and has been able to create a successful income online with HYIP Investing. He has recently wrote a report entitled Riding The Ponzi which outlines basic rules all HYIP Investors should know

OMEGA314 HYIP IS A SCAM!!

For those of you looking into HYIPs, or "high-yield investment programs", be very careful...don't spend more than you can afford to lose. Whichever HYIP you're looking into, as reputable as they may seem, there's a 99.999999999999999% chance that it is a SCAM. Such is the case with OMEGA314.COM/BUCKY, or OMEGA314. I believe it was Omega314.com originally, til they FUCKED people out of millions, now the same admin is back, about to take off with about 7-8 million dollars of investors money. The author personally invested $500, expecting to make a return on investment of $1140. Well, about a week after I joined, I tried to login to check stats, and it said my password was incorrect. So I requested password recovery. Guess what? NOTHING. I contacted admin for support saying, "Hey, what's the deal?" Their response: "If your unable to receive emails from us it is not our concern." WHAT????!!!! Are you fucking kidding me? That's your answer? BULLSHIT!!! I'm able to receive mail just fine,I allow ALL mail to get through, even spam.

Today I checked Gohyip.com, a monitoring service where users can rate different hyip's. I've posted over the last few months, and so have several others, a vote of VERY BAD. Guess what? THEY'VE ALL BEEN DELETED!!! Who's running this monitoring service, OMEGA314? One has to wonder. You can't even trust the monitoring services when it comes to this shit. There were 5 very bad votes today, and I guarantee they will be deleted by tomorrow morning 8/30/2006. Hopefully this article will get indexed quickly to help others avoid this scam. People, DO NOT invest in these HYIPs. Omega314 was supposedly the most reputable of 2006, and they're FUCKING PEOPLE OUT OF MILLIONS. OMEGA314.COM or OMEGA314.COM/BUCKY is a SCAM!!! Read that again: OMEGA314.COM is a SCAM!!!

HYIP : Investment Strategies

Many of the investors plan their own strategies by their experience. Experience makes them know the Do's and Don'ts of HYIP. Once people get well versed to play in the risky yet lucrative arena, they start multiplying their resources. While there can hardly be any universal strategy for all cases, there are certainly quite a few patterns to be followed.

The preliminary step one has to take before investing is to identify the fallacious programs and get rid of them. Then the nature of the program is to be analyzed and then the investor should act accordingly. A few points or strategies worth adopting are listed below.

Frequency of Payouts

The key point to note is the frequency of payouts. Check whether your interest payouts are made on a daily, weekly or monthly basis. If they are made daily, you have got a better chance to have a lucrative sum. Your profit increases day by day with the existence of the program. Don't be in a misconception that a program is more stable if it is paying monthly. Many programs which payout monthly gets doomed within a couple of months and there are archetype programs which makes handful of clams within short durations, to be precise, in few weeks. As far as the influx of new funds is there, the interest is being paid. When it becomes extinct, the program closes and your interests as well.

Program Duration

There is a formula that helps to determine the approximate lifetime of a program.

Lifetime of a Program=

[(SD + SH + KR) * (NO + NF + WD + GAR) * (NKI + SKW + SKR) *365] /

[((KI / SV) * (KO + RT + 1) * (KS + STR)*100000)]

Where

* SD -- approximate cost of design;
* SH -- cost of hosting;
* KR -- advertisement expenses;
* NKI -- presence of contact information;
* SKW -- compliance of the indicated contact information with the information given by whois service;
* SKR -- compliance of the indicated contact information with the real addresses and phone numbers;
* NF -- presence of forum, quality of its development;
* KO -- number of mistakes in web-sites content;
* RT -- deviations in text (if the content is stolen with different sites or written without giving any * consideration, the text will have incompliance);
* KI -- dynamics of growth of investors number during the first week of projects existence;
* SV -- sums of investments;
* WD -- information on business activity the program gets incomes from; subjective evaluation of data adequacy;
* GAR -- presence of guarantees;
* KS -- number of persons engaged in projects maintenance and support;
* STR -- place of projects accommodation;
* NO -- presence of office.

Program duration or age is also a factor that one needs to focus on in order to make the investments fruitful. The situation gets more complicated because even the trustworthy projects fail sometimes. It happens, for example, when program leaders did not manage to promote their program right or played fair on the currency market risking all their funds.

Profit Rates

Any investor will incur a huge loss if they are too greedy. Even if you regularly get the program's earnings during several months it is not the reason to mortgage your property or take a credit under unbearable interest. You may find yourself with nothing if you spend your money recklessly. A program which does well today might get closed tomorrow. The well doing of a program is always uncertain. Also, it is a common opinion that, any program which offers above 2% a day would vanish within a matter of days.

One more point worth taking into account is the interest rate being either fixed or variable. Through many years of study, it has been made clear that, programs offering variable interests are more likely to be involved in some actual trading than the ones with fixed interest rates.

Type of Account

Some programs facilitate their clients by providing internal accounts. The client needs to submit a withdrawal request in order to get the money transferred to their e-currency account. Normally the case is different. The amount will be sent to the account directly without any internal accounts. The later one is better to choose because, you can identify whether the program actually pays or reports some bogus interests in your internal accounts.

Investment Demarcations

The most popular forms of fraudulence is Ponzi. It's a classical financial pyramid where the profit is generated mainly by attracting investments from new participants. Majority of programs have their minimum investment value as low as $1. Before investing, you must be aware of these kinds of programs which are available in abundance. You should use your sub conscious mind in order to think what such a program can do with such a minuscule investment from investors like you, regardless of number of people. Up to some moment it looks stable as the payments are provided with real money invested into the program by new members. However, the impression is false. At some point there comes the stagnation and new members stop joining the project and the pyramid breaks down. Programs involved in some real business do not accept deposits less than $50 (minimum). It is not that, investors should only invest in programs which requires huge some investments. But, moderate amount, say $100 per program will do.

Precautionary Measures

The following tips will help anyone who needs to invest safely and get an acceptable interest.

* Never invest more than you can afford to loose.
* Don't allow greediness to blind you.
* Check the originality of the program by visiting the site. Be more cautious if the site is free listed and/or copied from other sites.
* Before investing make sure that the program pays directly to your account. Because, the programs which maintain internal accounts might report bogus details of your account in their site.
* Never trust HYIP that put fake info in whois database. Invest in those who had passes the DD (Due Diligence) process.

Always have in mind that a program would be a potential scam unless or otherwise, you have a positive reason to support it. Be cautious in such a way that, you get profits from HYIP or else, HYIP will profit from you. Analysis of various risks involved before investing will definitely yield fruitful results. More information on HYIP, E-Commerce, Money Exchange etc. are available in www.hyipsurftalk.com . You can come across various forums, discussions and blogs related to HYIP.

Ramesh Kumar V is a Freelance Writer from India. He is working as a Senior Software Engineer in an MNC. He has published articles in various topics. His profile and samples of his works can be found in his website www.freewebs.com/rameshv

5 Tips For Successful HYIP Investing

HYIPs are quite a challenging investment and if you truly desire to profit it from them you must be able to weed out the bad programs and only invest in the select few that have the best chance for success.

Through my years of experience investing in HYIPs myself, I bring to you the following 5 tips that I ALWAYS look for before investing:

1. Advertising - This is one of the most important factors. Any HYIP that advertises will get a lot more members and more money flowing in than a HYIP who just has a thread on a couple forums.

Because of this there are also a wider range of people promoting it and telling others bringing in even more people and investments. And as you should know new members and new investments are the cornerstone to a longer lasting HYIP.

Advertising is probably the one factor that can make the biggest difference in the success of a HYIP.

2. Reputation - Before investing in any HYIP it is vitally important to check out the reputation of it and read what other people are saying. By checking the reputation you can protect yourself from joining a HYIP that's not paying or that has poor customer support or that is inevitably going to fail very fast due to people posting bad experiences.

It's also possible that someone has a good idea who the HYIP admin is and depending on what they have to say about this admin they can increase the number of people who join or completely halt the increase of new members.

If the HYIP doesn't have much of a reputation yet because it's too early, you could wait until you hear more about it or simply join based off of the other 4 major factors.

3. Earnings Gap Between Plans - I've seen plenty of HYIPs that look great right from the start but after more closely reviewing their plans I see that it can really make them far too risky.

Multiple plans are common among HYIPs and they typically involve giving higher earning percentages to the larger investors. This is very common and in fact can be helpful for a HYIP, but watch out to make sure the higher plans don't pay out too much more than the lowest plan.

This will keep you from getting into a HYIP that gets totally decimated when the couple largest investors decide to take out all their money.

4. Age of the HYIP - You must look at the age of a HYIP before investing. So many people out there will look to see what program is having the most success and then invest in it only to have it close down within the next couple days.

If the HYIP is too many days old your risk can greatly increase. It is best to try to enter very high paying HYIPs within the first couple days and for the lower paying HYIPs within the first handful of days. I'm avoiding specificity due to the fact that this completely depends on the type of HYIP.

The point is that it is a good idea to get into a HYIP as early as you feel comfortable getting in at. If you're happy with all the other factors and it looks promising get in then or don't get in at all.

5. HYIP Monitors - Basing your judgement off of HYIP monitors alone is a very bad idea but if you combine it with the other factors mentioned here it can help increase your odds of success.

If a HYIP is subscribed to at least a few Monitors then it is a good sign, if it is subscribed to a lot of Monitors or has paid for premium listings on a Monitor then it is a better sign. Conversely, if it is not subscribed to any monitors then you should be a little more wary.

Truthfully this factor doesn't weigh too heavily on my investment decisions but it can help push me one way or the other when I'm on the fence.

Summary

Using these five tips you will be able to choose HYIPs that are more likely to succeed and hopefully will become a more successful HYIP investor.

Remember that these 5 tips don't specifically apply to every type of HYIP but should still give you a good idea of what you may want to look into for any program that you join.
For more detailed info, HYIP recommendations, and my own documented experiences as a HYIP investor check out my blog. Maybe you too can use my strategy to gain great profits and become a successful HYIP investor: http://goldbullionaire.blogspot.com/

HYIP Programs are scams!

HYIP (High Yield Investment Program) - These HYIP's as people call them are all scams! Now you will see that they pay for about a week or 2 then they just stop paying people all together, and these are the half decent ones.

Most HYIP's don't even pay anyone. They are here today and gone tomorrow. The main goal of a HYIP is to make as much money in as little time, then come up with some excuses as to why they had to stop paying. My brothers HYIP he was in claimed that they ran out of bandwidth, and just never came back online. Why would someone even waste there time putting money into a HYIP that is 99% guaranteed to run with your money?

I put $100 into a HYIP and guess what happened? I didn't get paid. I was mad, and I was upset but whom was I kidding. Did I think I was going to really get paid? We all know they are trying to make money for themselves fast, then run with it all.

If you're looking to make money online DO NOT choose to make it with a HYIP. These will only cause you pain and just put you more in the whole. The % most HYIP's claim to pay is too high to trust. Do you really think if you invest $1,000 they will pay you $5,000 in a week? Lets get serious here now. If it was that easy everyone would be investing money into a HYIP, and quit there job.

I suggest you take whatever money you where thinking about investing into a HYIP, and look into the stock market. At least the stocks are real, and you can watch your money go up and down.

Visit HYIP Report for more information on hyips.

Chris Rohrer is a master at working at home, and helps others start making money online. To learn how Chris can help you make money online visit Business Programs Reviewed for more information

Do Not Touch HYIP's

HYIP, or High Yield Investment Programs promise you a massive daily interest on your investment. It can be anything up to an unbelievable 50% daily. The risk is very high and you need to be hugely careful before you invest. By investing in HYIPs you risk your money every day, because you have no warranty that your money is safe and in fact in very many cases it is anything but safe. Many HYIP products turn out to be pyramid or Ponzi schemes which either boarder on or or transgress into fraud or are otherwise illegal. If you want to trust your hard earned cash to people conducting illegal activities then so be it but remember what the Autopilot told you. If the person you are dealing with is doing illegal or fraudulent dealings what makes you think you are anything but the next target.

If you want to have a close look at the havoc that these schemes can produce just look at the mess surrounding the 12DailyPro and Stormpay episode recently. The thread went on for weeks in the how to forum and Stormpay have never seemed to recover. Now in this case supporters of one side quite unequivocally blame the other and I don't think anyone but those at the centre of the episode really know the truth but needless to say there seem to be a lot of folks out of pocket. One well known internet marketer who regularly posts to the how to forum confessed to loosing around $6,000.

For me I will stick to my usual web based and email marketing campaigns for my money and leave the scary stuff to those with less respect for their own money, civil liberties and a like for state provided porridge.

The only people who win with deals such as these HYIPS are those who are in at the very beginning, those who join in later can only lose out big time. Take the case of Charles Ponzi himself, all went well for many months and he paid people out their dues and bought himself a massive mansion on the proceeds, however it was not to long before the inevitable happened and the number of people needing to be paid outstripped the new investors. At this point the auditors moved in and Ponzi started the slow spiral downwards which led to his serving several prison sentences and eventually dying in poverty in Brazil with just $75 in his bank account to bury him.

Don't get caught out by these schemes, the odds are you will lose at least your dignity and money and at worst if you are too involved, like ponzi you could lose your whole livelihood.

Geoff Hibbert email:- geoffhibbert@homebusinessonautopilot.com http://www.homebusinessonautopilot.com http://www.bestnetoffers.co.uk Geoff Hibbert is the Original Autopilot Marketeer

HYIP: Playing It Right

Mention anything that could lead to High Yield Investment Programs and people will listen. There are good HYIP's and there are bad. Anything that is good has always attracted the wrong people.

HYIP's has been around for so long coming in different names and guises but no matter what, it has not failed to attract customers. The good thing about HYIP is that it can offer good returns for investments sometimes as good as 250% in one month. The bad news is, it has its sorry share of scammers.

HYIP is probably one of the most exciting things happening online for people who are looking for ways to earn a good return for their money. Today, HYIP speculators can earn substantial profits for their investments. A HYIP may invest in properties, in stocks and in other HYIP. As these are good investments and people are flocking to it some HYIP programs are online to prey on potential investors.

HYIP programs are getting more participants by the day and every so often another HYIP program is launched. Many investors have succeeded earning fortunes virtually overnight.

Just like any other venture, especially when these have very high returns, HYIP also involves high risks, Although for people who have done their homework and played it right, a HYIP can be extremely lucrative.

If you have participated in any high yield investment programs before, you will know that programs of this nature have its own large share of scammers and you know what it means to take caution. Even when HYIP is recommended to you by a friend who have visibly earned from the venture, even when respected people in the business and in the community have profited, there is still substantial reason to be cautious and to make very good back ground research. It is a part of a scammer's strategy to make some people win to attract more. This is similar to dropping baits to be able to fish more. More often than not, it is the good unsuspecting guy that suffers. This is why when parting with your money, serious research is needed. No one has to feel pressured to invest as long as there is still that nagging discomfort that warns you to hold back.

Good or bad, here are some pointers to get some certainty on your investment:

- Any investing is a risk. Winning and losing is a part of the game. This is why many good investors will tell you to invest first the money that is not a part of your active income. Fight first against to urge of investing a fortune even when you are certain you could win. That could come and happen anytime. There is no rush and definitely there should be no pressure. Remember HYIP investing is like gambling. While there is good fun in winning big the first time, many people who felt so certain have also made devastating losses.

- Choose HYIP programs that has been conducting successful programs for months not those that have been conducting for more than two years and definitely not those who have been there for only two weeks no matter the returns on investments that it advertises. Then conduct a shortlist.

- Do not put too much egg in the same basket. Diversify.

- Keep on monitoring the programs that you joined. If one of the programs that you joined has been down 4 times during the month, pull out your investment.

Robert Thatcher is a freelance publisher based in Cupertino, California. He publishes articles and reports in various ezines and provides HYIP resources on www.about-hyip.info.

What is the Difference between a Ponzi and a HYIP?

Online HYIPs rarely provide information to their investors of what is done with their money. This makes it easy for fraudulent programs to succeed. Dishonest organizers can set up a website to look like the other HYIPs available on the net, wait for investors to place their money in their hand and then stop the activity and walk away with the cash.

Ponzi is a fraudulent method which works as a pyramid. In such schemes, profit is not made by successful economic investment, but by appealing to new investors and using their investment money to pay existing members. This is all very well and good while the system has a steady stream of new members investing into it but once a slow period is hit, the investments will stop coming in and the whole system will collapse. Sometimes the system organizers do not wait until this has happened and may just cease what they are doing and keep the money which had been invested. Often the investors do not become aware of this until they stop receiving their interest payments as promised.

There are a number of ways to spot a Ponzi scheme from a genuine HYIP opportunity. Firstly, be wary of schemes that offer a high daily percentage return. If a site offers you 40% a day on your investment, you should question where the funds will come from to make that level of payment. Secondly, although HYIPs often pay you for referring others to their schemes, these payments are often low. If you are offered 10% per referral it is worth considering if that may be because referrals are the only way for the system to keep going. Lastly, look closely at the site and its design and functionality. If you spot a lot of content that looks as though it has been simply copied from another website, or if the design and layout is particularly amateurish, it could well be that the organizers know that it will not be needed for long as the system is only a short term thing to make them money.

There are people who invest in Ponzis knowingly. This is because if you are lucky enough to invest and withdraw from the schemes before they collapse or stop functioning, you can make bigger returns than through the genuine HYIPs. However, you must bear in mind how easy it is to lose everything that you invested with these systems. You may think you know when to leave these programs but in truth, it is almost always luck rather than skill which provides investors with a profit from these schemes. Often the organizers of these schemes invite their friends to participate so that when they receive the profits, only the people they select to share them will benefit.

You may decide to take a chance and try to play the pyramid system for your own gain. It is worth remembering, however, that if you do this even if you yourself make a profit, it will be at the expense of others. In addition to this, these systems are illegal and the organizers of them face severe legal penalties if they are caught operating them.

This and more educational hyip articles can be found on HYIP Info Also check Stormpay and Paypal HYIP for curently available HYIP Investments

What is a HYIP?

HYIP is a term which you will come across often if you are trying to make money over the Internet. It stands for High Yield Investment Program; these are not just Internet based investment programs and are also available offline. The term HYIP is an umbrella-term which incorporates any investment opportunity that gives a return on the initial investment of between 4-5% per year. The way in which they work is fairly simple. The money from everyone who invests is collected together and the site organizers then use it to invest in more traditional areas. In effect, they are investing in the programs which require a large sum of money to begin and can afford to do so by combining everyone's small individual investments.

HYIPs which are not Internet based work on the same principles as online ones, only their starting investments can range from a minimum of $500,00 up to millions of dollars. For the private investor, or an individual just wishing to supplement their income, this is not a realistic sum to have available for investment and so offline HYIPs are not feasible options.

For the normal private investor, Internet based HYIPs are the only possible solution to the investment quandary. However, these programs are often cloaked in secrecy and so can seem like a dangerous investment to make. In contrast to the offline programs, you will often find that you are unable to gain any information regarding the investment types that are made on your behalf. Corporate information of the website, such as the registered address or background information pertaining to the site organizers, is often not available for viewing. This is not usually done for the sole purpose of hiding information from the investors, but more to prevent people from using the knowledge of the site organizers to create their own online HYIP.

Online HYIPs may pay interest daily, weekly or monthly. The typical return rates on these are generally between 1-7% for daily paid, 7-50% for weekly paid and 20-200% for monthly paid.

The way in which you can start to invest with these sites is very easy. You simply go to the site you have chosen and register with them. This then creates your online account, into which you deposit money which you then invest. The profits are then paid into that account depending on how often your particular investment pays.

These schemes work by investing the money from a number of private investors and then sharing a portion of the profits back with the investors. It gives the investor the high returns that would not normally be possible given the low amount of money that is available for investment. There is still an element of risk involved - no investment can ever guarantee to make a profit as the market changes continually. There are also fraudulent people who set up HYIP sites, wait for people to invest and then run off with your money. This makes it vitally important to choose your program wisely.

This and more educational hyip articles can be found on HYIP Info Also check Stormpay and Paypal HYIP for curently available HYIP Investments.

HYIP Guide

HYIPs, or High Yield Investment Programs, skyrocketed in popularity with the advent of e-currencies, such as StormPay, e-gold and the like. A significant reason behind such immense popularity is the fact that HYIP organizations offer enticing interest rates of around 1% per day or even more. It is evident that, on an annual basis, the yield far exceeds even the most generous of schemes in the financial markets. Furthermore, it's easy to get the gist of HYIPs, and they allow investors to invest even a scanty amount upfront.

However, the unusually high yield is a telltale sign that the scheme does have associated risks. In general, as far as investment is concerned, high yield involves high risk. Therefore, a HYIP can be either a lucrative investment option or an outright scam orchestrated by a bunch of swindlers. Several phony HYIP schemes make use of the ponzi or pyramid structure. In such a scenario, new entrants provide the cash to pay existing members. Such fake schemes are bound to fall apart eventually, when there is a dearth of new investors. Thus it is imperative that you distinguish between scams and authentic High Yield Investment Programs.

All HYIPs are not out and out scams. Many legitimate HYIPs offer great returns on even the most diminutive investment. HYIPs are all about astute investment. That is, you must possess an uncanny knack of good judgment. This would enable you to pull out early if the situation gets a bit wobbly, and you presume that the HYIP is likely to fall apart. Nevertheless, as long as you keep getting a decent amount of referrals, the HYIP would typically continue to pay the promised returns.

There are a few guidelines that you may follow when investing in HYIPs. This would ensure that you don't fall prey to a fake HYIP scam:-

a) Some investors go flat-out and invest a great deal in a particular HYIP. Investing too much too early is not advisable. b) As such, HYIPs are met with skepticism. It is imperative that you test the withdraw function as soon as possible. This would help build trust in the particular HYIP, and then you could go on investing sizeable amounts for a longer duration. c) A telltale sign of a fake HYIP is when you are unable to attain even your initial investment amount within a reasonable timeframe. d) Don't get greedy and invest scads of money in a particular HYIP. Instead, divide your investment funds in an astute fashion, and apply them towards different HYIPs. This would help protect you from bankruptcy, even if one of your HYIPs falls apart. e) There is no point saving up for that one big withdrawal. It is recommended that you carry out investments with intermittent withdrawals. f) You must track your returns with discretion. Handling investments in an imprudent fashion could leave you in a hole. In a gist, HYIPs can be a viable and lucrative investment opportunity. However, it is imperative that you carry out a comprehensive research as to which HYIP to go for.

CK Chen is experimenting with several HYIPs. Check out www.hyip.cheekui.com to find out more about what is HYIP

Making Money Online: HYIPS Yes or No

One of the biggest questions on the Internet today concerns HYIPs (High Yield Interest Program) and Auto surf programs.

The questions are: Are they legal, can I make money, can I lose money, are they scams, what's a ponzai, how can I make money?

Like many other things there are many answers and those answers can be different for different people! I am not going to answer all of that; I will tackle the important issues.

The sole reason for investing in a HYIP or Auto surf for cash program is to make money. So let me answer the most important question. (It is a sort of joint question really).

Can I make money/Can I lose money? The answer to the joint question is a resounding 'Yes'. To put that into context if you had joined every single HYIP put in front of you over the last 3 months, you would almost certainly have lost money. Why?

Because many of them are Scams. There is an army of criminals who will take your money, run and never be seen again, until the next time that is. To answer an age-old question about Making Money Online, it is truly possible if you can run a HYIP for your own benefit. From an investors view, it is a field of landmines; it is difficult to tell an honest program from a dishonest one.

To make matters worse, you can lose all of your investment in an honest scheme as well. If the system is not set up properly, all the funds can be stolen in an instant. The e-currency traders may even close the scheme by withholding funds, this can be as a result of complaints (true or not).

An old saying is a fool and his gold are easily parted, in the grey finance world of HYIPs, you don't even need to qualify as a fool.

Let me re-state a pertinent point, it is very difficult to tell a good HYIP from a bad one. Most of them come with excellent websites, a sure-fire promise that includes the essential point that they will be around for years and have a splendid support team and a forum, so you can let everyone know what a great program it is. There are obviously variations on a theme, but the good and the bad share this type of wonderful news with you.

How can you make money if it is so easy to lose it? There are a lot of answers here and I will start with the most basic one. Invest only what you can afford to lose. That is your starting point.

You have decided that you can afford to lose $300. This money is set aside from a savings plan, it must not come from a bill yet to be paid. Again, it must be money that you don't rely on for any purpose. I am almost saying if you go it alone, invest in the first HYIP you see, you may as well have given the money away.

At this stage, if you are faint-hearted, stop reading, save your money and move elsewhere. But, just before you go, another answer to the joint question was 'Yes' you can make money from investing in HYIPs and Auto surf programs.

If you have been looking over any traffic exchangers you may have noticed one particular program. It is called 12DailyPro, it has over 200k members and is still making them (me included) money.

It is an auto surf program, you buy units at $6 each (up to 1000 units), you auto surf onto 12 sites daily, you do this for 12 days and will receive around 7 days later, an amount of 144% of your original investment. For example if you had bought 1 unit at a cost of $6, it would now be worth $8.64. (There are fees to be taken into account, but I will ignore those. You will see why as I take you to the other extreme example of this program).

Let us say you bought the maximum number of units, 1000 at $6 a go, so $6000 is invested. You do the same number of 12 a day surfs and end up with $8640 after around 19 days. This is paid automatically back into your EMO or Stormpay account.

This program is still paying today. If you want to take the risk, use my URL below and make that investment of what you can afford to lose. For your sake and mine, I hope we do not lose, this program has been paying out for over 6 months, that is an awful lot of 12 Days at a time payments.

At the moment this is the best-run program of its type on the Internet, it has always paid on time and long may that continue. Will it carry on forever? No, it cannot, but it is here today, has a convention coming up in the middle of February, so it should be here in 12 days time.

My next article will take us to some other paying programs, I would like you to hitch a ride, for the most part it will be paying and that is the full reason for making the journey.

My name is David Lumsden of MoneyGoldmines and I make my living using my Internet business and experience. I hope I can help you tooThis is the best program of its type on the Net today. Your investment grows to 144% after 12 days. Take a look at:http://www.12dailypro.com/?ref=229449

To Invest In HYIP Or Not - HYIP Investment Reviews

This article aims to educate people on why HYIP is right for some people and not right for others because of the risks associated with a potential for large profits.

To Invest In HYIP Or Not

Many people question why you would get involved in a high yield investment program, but really, the answer is simple. Extraordinary profit. While it's true that most high yield investment programs are high risk, they also provide the opportunity to make a large amount of money in a relatively short period of time. High yield investment programs are not for the weary or the timid as it's very high risk investing, but those who do take part are usually not sorry for the experience.

High yield investment programs, or HYIP is something that many investors simply steer clear of because they have heard horror stories or had a bad investment experience and don't want to risk losing their hard earned cash. But, being involved in an HYIP doesn't have to be a bad thing, and for most people, the results are well worth the risk that is involved in this type of investing.

HYIP is attractive for a lot of risk taking investors because they can invest with very small quantities. In addition, most HYIP programs are easy to get started in and follow even if you are relatively new to the investing world. Most HYIPs use a pyramid scheme, so that new investors actually provide cash to pay existing investors. As long as new investors keep coming on board, investors will continue to be paid. With a good high yield investment program this can work out, with poorly planned programs, you'll find that even the first payments are made fraudulently and things unravel fairly quickly.

Investors needn't worry about the fact that some high yield investment programs fall apart, because it's like any business, some succeed, and some fail. It's up to the investor to do his or her research about any one program and decide if it meets all the safe investing criteria. The thing about an HYIP program is that it can be here today and gone tomorrow if people stop investing, which is where a lot of the risk comes from when you invest in this type of program. But, if you get in on the ground level and pull out when things don't seem to be going quite as well, you can still make an extraordinary amount of money in a rather small amount of time.

High yield investment programs really took off with the introduction of electronic currencies such as e-gold. The reason for this is that investors can buy their electronic funds immediately and start investing right away. Often, these e-currencies can be purchased at a great rate as well, making them doubly attractive to investors. Once an investor begins to earn, he or she can cash out any time and will be paid in e-currency, which is then traded in for a cash value. Electronic currencies really brought the HYIP world to the investment forefront because it made the programs even easier to follow and interact with.

Like all types of investing, HYIP is not for everyone. Many investors believe that opportunities to get involved with an HYIP are just like deciding to throw your money away. Because of e-currencies, many people receive emails for various HYIP programs and consider them nothing more than spam from scammers who want to steal their money. In certain cases this may be true, in other cases an HYIP is a legitimate way to make a good return on even the smallest investment. It's all about choosing the right HYIP and knowing when to pull out if things start to get a bit shaky.

If you are good at recruiting people to invest in the programs that you are interested in, than an HYIP may be perfect for you. So long as you can keep getting "referrals" or new investors, your HYIP will likely continue to pay well for a substantial period of time. It'll pay even better if the people that you recruit will also recruit, as it's a pyramid scheme that will allow you to make more money if more people get involved.

With an interest rate of around one percent per day, it's obvious that there is serious risk where an HYIP is concerned, but if you do the research, that percentage can add up quite quickly, making you a sizeable amount of money. If you aren't afraid of high risk investing, an HYIP may be the way to go. Just be sure to do your research ahead of time to take away a little bit of the risk associated with this type of investing.Michael Goldman is a widely known expert in HYIP Investments. He is investing in HYIPs successfull himself and helping others to make their money work for them. You can learn more about Michael's investing techniques by visiting his site http://hyipbest.com/ More information can be found on http://hyipinvestment.info/

To HYIP or not to HYIP

This article aims to educate people on why HYIP is right for some people and not right for others because of the risks associated with a potential for large profits.

To Invest In HYIP Or Not

Many people question why you would get involved in a high yield investment program, but really, the answer is simple. Extraordinary profit. While it's true that most high yield investment programs are high risk, they also provide the opportunity to make a large amount of money in a relatively short period of time. High yield investment programs are not for the weary or the timid as it's very high risk investing, but those who do take part are usually not sorry for the experience.

High yield investment programs, or HYIP is something that many investors simply steer clear of because they have heard horror stories or had a bad investment experience and don't want to risk losing their hard earned cash. But, being involved in an HYIP doesn't have to be a bad thing, and for most people, the results are well worth the risk that is involved in this type of investing.

HYIP is attractive for a lot of risk taking investors because they can invest with very small quantities. In addition, most HYIP programs are easy to get started in and follow even if you are relatively new to the investing world. Most HYIPs use a pyramid scheme, so that new investors actually provide cash to pay existing investors. As long as new investors keep coming on board, investors will continue to be paid. With a good high yield investment program this can work out, with poorly planned programs, you'll find that even the first payments are made fraudulently and things unravel fairly quickly.

Investors needn't worry about the fact that some high yield investment programs fall apart, because it's like any business, some succeed, and some fail. It's up to the investor to do his or her research about any one program and decide if it meets all the safe investing criteria. The thing about an HYIP program is that it can be here today and gone tomorrow if people stop investing, which is where a lot of the risk comes from when you invest in this type of program. But, if you get in on the ground level and pull out when things don't seem to be going quite as well, you can still make an extraordinary amount of money in a rather small amount of time.

High yield investment programs really took off with the introduction of electronic currencies such as e-gold. The reason for this is that investors can buy their electronic funds immediately and start investing right away. Often, these e-currencies can be purchased at a great rate as well, making them doubly attractive to investors. Once an investor begins to earn, he or she can cash out any time and will be paid in e-currency, which is then traded in for a cash value. Electronic currencies really brought the HYIP world to the investment forefront because it made the programs even easier to follow and interact with.

Like all types of investing, HYIP is not for everyone. Many investors believe that opportunities to get involved with an HYIP are just like deciding to throw your money away. Because of e-currencies, many people receive emails for various HYIP programs and consider them nothing more than spam from scammers who want to steal their money. In certain cases this may be true, in other cases an HYIP is a legitimate way to make a good return on even the smallest investment. It's all about choosing the right HYIP and knowing when to pull out if things start to get a bit shaky. If you are good at recruiting people to invest in the programs that you are interested in, than an HYIP may be perfect for you. So long as you can keep getting "referrals" or new investors, your HYIP will likely continue to pay well for a substantial period of time. It'll pay even better if the people that you recruit will also recruit, as it's a pyramid scheme that will allow you to make more money if more people get involved.

With an interest rate of around one percent per day, it's obvious that there is serious risk where an HYIP is concerned, but if you do the research, that percentage can add up quite quickly, making you a sizeable amount of money. If you aren't afraid of high risk investing, an HYIP may be the way to go. Just be sure to do your research ahead of time to take away a little bit of the risk associated with this type of investing.

Michael Goldman is a widely known expert in HYIP Investments. He is investing in HYIPs successfull himself and helping others to make their money work for them. You can learn more about Michael's investing techniques by visiting his site HYIP Best and joining the HYIP Forums.

High Yield Investment Programs: Risks, Scams, and Profits - HYIP Investment

This article is an overview of the risks, scams, and extraordinary profits that can be experienced by HYIP investors.

High Yield Investment Programs: Risks, Scams, and Profits

If you are an investor looking to truly double your money, you might want to look into HYIP or high yield investment programs. This type of investment always carries a high risk, but when you consider the potential profit, you might find that the risk is well worth it. High yield investment programs have always been around, but have become even better known in recent years as investing online has become more and more common. Despite the risks, many investors continue to take advantage of the awesome selection of HYIPs out there to double their money.

Choosing your HYIPs is something that has to be done on an individual basis because what each person will feel comfortable with is different. There are HYIPs out there that show very little in way the way income, but have high risks. On the flip side, there are HYIPs out there that show a lot of promise for profit, yet they have the same risks associated with the programs that don't guarantee much in the way of profit. You'd obviously want to stick with the second choice if you can tell which HYIP would be more profitable than the other. The key to getting involved in the right type of HYIP is research. Though it may be exciting and easy to just jump at a very promising looking program, you'll want to put the brakes on for long enough that you can check out the company. You want to stick with companies that offer high revenue, but only if they actually payout and give you access to your currency. Do your homework to make the risks worth it; otherwise you'll end up losing money! The more you participate and research HYIPs the more familiar you'll get with the tricks that many of these programs have to keep your money.

If you've invested in high yield investment programs in the past, you know what to expect in the way of scams. If you have never participated in an HYIP before, you'll be want to be extremely careful when first getting your feet wet. Because there is a lot of money to be made with an HYIP, scams are often associated with this type of investment. There are people, and even companies out there, who want you to invest and event to make money, but then they won't want to give any of it back. This is where the research that we mentioned above comes in really handy. Even if a friend or business acquaintance recommends an HYIP to you, you should still research it to be sure it's something that you feel comfortable with. If after looking into it you feel as though the investment and possible income is worth the risk, then go for it. If you do not feel this way, simply do not invest. When it comes to your money, you shouldn't feel pressured to invest at any time. Often, these scams will require you to invest is something that does not even exist, and then, the fraudulent people are off with your money and that of other investors!

Choosing the proper HYIP is something that you will need to do very carefully, and you should only do if you feel completely comfortable with the risks associated with any one investment. Even the most legit HYIP should be approached with caution, and followed up by extensive research. You have to remember when looking at HYIPs that even those that are not scams cannot promise you much in the way of a return. The potential to make a lot of money relatively quickly is there, but it is not a guarantee. Because there is no guarantee when dealing with HYIPs, the more you understand the investment, the better chance you have to succeed with such an investment.

The bottom line is that you stand to earn a great profit with an HYIP, but there are extreme risks and even scams associated with this type of investing. If you know what to expect when you get into the high yield investments, and you know what to look for through research, you'll probably be fine. If you get into an HYIP because you've just heard that it's profitable, you stand to lose a lot of money! Invest smart.

Michael Goldman is a widely known expert in HYIP Investments. He is investing in HYIPs successfull himself and helping others to make their money work for them. You can learn more about Michael's investing techniques by joining the HYIP Forums. For more information see HYIP Investment Blog.

Avoiding HYIP Scams - How to start with HYIP Investment

HYIP can be a great way to experience success in investing. HYIP, also known as a high yield investment program, can be quite risky but if it's done properly it can be quite lucrative. Because there is the chance to earn a substantial amount of money, there are also a lot of scams associated with it. You can take some great steps to protect yourself, and your investments ahead of time to avoid getting involved in the wrong HYIP programs.

Always get referrals and have information about the web owner before investing one cent. Ask for their name, where they are from, find out who the Internet address belongs to, and also ask for a business address. Feel free to prove all of this information correct, and do not proceed until all information is verified. If a web owner is hesitant to give you any or all of this information, it's safe to assume you'll be getting scammed and you should move on.

Take note of details. Most legit HYIP programs have a minimum investment of $50, but many of the scammers will let you invest for as little as one dollar, even though it'll cost more than that to maintain the account. Also, pay attention to the website, if it sounds scripted, you might want to move on to someone who has a site that is more than vague, is unique, and really seems informative and legitimate.

There are many more ways to avoid being scammed, but paying attention to details and asking questions is the best way to separate the good from the bad. Those who are well intentioned will be straightforward, knowledgeable, and will have nothing to hide or copy from others. So, go ahead and invest in HYIP, just be smart to make sure you are investing in a real opportunity.Michael Goldman is a top expert in the HYIP Investment arena, you can see last HYIP updates and ask your questions in the HYIP Forum. For more information see HYIP Articles and Reviews

Can you really "get rich quick" with HYIP's?:d

Can you really "get rich quick" with HYIP's?:

How Long Does It Takes to Become a Millionaire with HYIPs?

Let's assume you start with $500 to invest.

Although you can invest in some HYIPs with as little as $10, you would probably want to invest at least $500 to provide some basic diversification. It's about the amount you would spend to get the usual MLM type program started, after you include "upgrade fees" and initial advertising. Not to speak of the hours of posting and promoting you will NOT have to do with a passive HYIP investment.

Do not use money you must have for rent or food. If you must start with less, resign yourself to the possibility that you could lose your whole stake, and have to start over again. If you are persistent and play the odds correctly, you will win in the end.

Here is how long it would take to go from $500 to $1,000,000 at various rates
of interest compounded monthly using an online High Yield Investment Programs.

5% -- Forever! (Almost)
10% -- 6 years 8 months
15% -- 5 years 6 months
20% -- 3 years 6 months
30% -- 2 years 5 months
40% -- 1 year 11 months
50% -- 1 year 7 months
60% -- 1 year 5 months
70% -- 1 year 3 months
80% -- 1 year 1 month
90% -- 1 year
100% -- 11 months
110% -- 11 months
120% -- 10 months
130% -- 10 months 2 weeks
140% -- 9 months
150% -- 9 months

There are some interesting things to learn from this chart.

From 5% to 10% there is a massive drop in time, there is another pretty big drop at 20%, a smaller but worthwhile drop at 30%, again at 40% and marginally at 50%, but from there each 10% more has a rather small effect.

From 80% to 150% notice that even though you have almost double the interest (added 70% to it) you only shave 4 months off the time (reduced the time it takes by about 30%)

Making a bar graph of the above (with 10%, 20%, 30% up to 100%) will show you what the best percentages are.

10% llllllllllll llllllllllll llllllllllll llllllllllll llllllllllll llllllllllll llllllll
15% llllllllllll llllllllllll llllllllllll llllllllllll llllllllllll llllll
20% llllllllllll llllllllllll llllllllllll llllll
30% llllllllllll llllllllllll lllll
40% llllllllllll lllllllllll
50% llllllllllll lllllll
60% llllllllllll lllll
70% llllllllllll lll
80% llllllllllll l
90% llllllllllll
100% lllllllllll
110% lllllllllll
120% llllllllll
130% llllllllll
140% lllllllll
150% lllllllll

The graph shows us very clearly that between 30% and 50% is the best range.
However 20% is a big advantage over 10% that's for sure, and is the first really worthwhile interest.

OK, now let's assume you join HYIPs that pays 40% interest per month (Compounded).
How long will it take you to get to 1 million?

Starting

.05c
.50c
$5
$50
$500
$5000
$50,000
$500,000
with

-- 4 years 3 months
-- 3 years 8 months
-- 3 years 1 month
-- 2 years 6 months
-- 1 year 11 months
-- 1 year 4 months
-- 9 months
-- 3 months

llllllllllll llllllllllll llllllllllll llllllllllll lll
llllllllllll llllllllllll llllllllllll llllllllllll
llllllllllll llllllllllll llllllllllll l
llllllllllll llllllllllll llllll
llllllllllll lllllllllll
llllllllllll llll
lllllllll
lll

Surprisingly enough, this shows that starting with lots more money really doesn't speed it up all that much.

If you want to diversify, it is important to remember that you will be hard pressed to invest in more than one program with much less than about $150, although there are some good programs that have minimums in the range of $10 to $50.

Notice that 500,000 is ten million times more than 5c, yet 5c only takes 17 times longer to reach the same goal!

This exercise has yielded some interesting results.

1. Even if you are starting with less money, it will only take about 1 year longer to get to the 1 million dollar point.

2. While high interest rates are tempting, and there are other good reasons for going after high interests such as closing the "risk window" as soon as possible, you don't really need to go above 40%, and even 20% isn't too bad. Much above 40% and it is extremely likely that the program is a scam or will get overextended at some time and fail . All it takes is a couple of bad trades, or an ugly rumor, for even a good program to get squeezed for liquidity.

With only $50 and 30% interest per month (compounded), you are a millionaire in 3 years and 2 months! That is not to imply that we would simply rely on any single program to get my million dollars. One primary rule is that no one can ever be 100% sure which program will last more than another week. It is all probabilities. Please remember that. Drill it into your head. It isn't about being right every time. We don't always pick winners. We don't know anyone else in this business who does. You only need to learn to avoid the worst crooks and scams, and be right more often than you are wrong, and remember to spread the risk. Have a little faith. Not all your fellow men are crooks. It only takes a couple of legit, well-managed funds, to more than make up for a couple of losers.

OK, now let's look at the numbers. At $50,000 with 100% interest compounded every month, you are a millionaire in 5 months.

At $50 (1/1000th) with less than one third the interest (30%) compounded every month you are a millionaire in 3 years 2 months, only 7.6 times longer, yet much less principle (1/1000th) and much less risk!

And once you get to 1 million, 7% a month is enough to spend 1 million a year and still have your money well outpace inflation.

So if someone wanted to get to 1 million dollars (who doesn't) and has the patience to wait a few years, also wants to be pretty sure they will get there rather than losing it, and doesn't want to risk too much, we think about $500 at 20% average per month which will be only 3 years 6 months to become a millionaire.

A good, and probably the best, argument as to why you should go for high yields, is to close the "risk window" fast. This can be important at the start so you can use the money to diversify. Later you will want more security and you will have a broader base of more secure lower paying programs to provide it. You can go on vacation without worrying that your Very High Yield risky fund has collapsed and taken a large percentage of your "float" with it.

Of course all the above is based on the assumption that something that gives a 60% interest per month is more than 3 times riskier than 20%. (and will have less than 1/3rd the life span). Not always true, but a rule of thumb. You have got to remember that none of these is like the "invest and forget about it" rules of conventional 3% a year federally insured bank accounts. It is like being an independent adult. You can lose. No one is going to take that loss for you. But let me tell you this, the rewards are much greater also, and they are ALL yours when you earn them by your own self-discipline, persistence and experience.
Thinking and Speaking about Money in Enriching Ways

In the book Rich Dad, Poor Dad, Kiyosaki compares his "two fathers": his biological father who was a teacher and his mentor who was a businessman. The teacher was his "poor dad" and the businessman was his "rich dad." His poor dad said: "The love of money is the root of all evil." His rich dad said: "The lack of money is the root of all evil."

The quote below from Rich Dad, Poor Dad is extremely important. It powerfully illustrates what I call "Slavespeak" -- the phenomenon of certain words having hypnotic, stupefying, and debilitating effects on their users.

"Because I had two influential fathers, I learned from both of them. I had to think about each dad's advice, and in doing so, I gained valuable insight into the power and effect of one's thoughts on one's life. For example, one dad had a habit of saying, "I can't afford it." The other dad forbade those words to be used. He insisted I say, "How can I afford it?" One is a statement, and the other is a question. One lets you off the hook, the other forces you to think. My soon-to-be-rich dad would explain that by automatically saying the words "I can't afford it," your brain stops working. By asking the question "How can I afford it?" your brain is put to work. He did not mean buy everything you wanted. He was fanatical about exercising your mind, the most powerful computer in the world. "My brain gets stronger every day because I exercise it. The stronger it gets, the more money I can make." He believed that automatically saying "I can't afford it" was a sign of mental laziness."
An elite team of regular "Joes's" fighting back & making huge cash online one day at a time.
dDawg as a team has been able to create a profit on the internet.
http://www.str8junk.com/heavyhitter.html

How Long Does It Takes to Become a Millionaire with HYIPs?

Let's assume you start with $500 to invest.

Although you can invest in some HYIPs with as little as $10, you would probably want to invest at least $500 to provide some basic diversification. It's about the amount you would spend to get the usual MLM type program started, after you include "upgrade fees" and initial advertising. Not to speak of the hours of posting and promoting you will NOT have to do with a passive HYIP investment.

Do not use money you must have for rent or food. If you must start with less, resign yourself to the possibility that you could lose your whole stake, and have to start over again. If you are persistent and play the odds correctly, you will win in the end.

Here is how long it would take to go from $500 to $1,000,000 at various rates
of interest compounded monthly using an online High Yield Investment Programs.

5% -- Forever! (Almost)
10% -- 6 years 8 months
15% -- 5 years 6 months
20% -- 3 years 6 months
30% -- 2 years 5 months
40% -- 1 year 11 months
50% -- 1 year 7 months
60% -- 1 year 5 months
70% -- 1 year 3 months
80% -- 1 year 1 month
90% -- 1 year
100% -- 11 months
110% -- 11 months
120% -- 10 months
130% -- 10 months 2 weeks
140% -- 9 months
150% -- 9 months

There are some interesting things to learn from this chart.

From 5% to 10% there is a massive drop in time, there is another pretty big drop at 20%, a smaller but worthwhile drop at 30%, again at 40% and marginally at 50%, but from there each 10% more has a rather small effect.

From 80% to 150% notice that even though you have almost double the interest (added 70% to it) you only shave 4 months off the time (reduced the time it takes by about 30%)

Making a bar graph of the above (with 10%, 20%, 30% up to 100%) will show you what the best percentages are.

10% llllllllllll llllllllllll llllllllllll llllllllllll llllllllllll llllllllllll llllllll
15% llllllllllll llllllllllll llllllllllll llllllllllll llllllllllll llllll
20% llllllllllll llllllllllll llllllllllll llllll
30% llllllllllll llllllllllll lllll
40% llllllllllll lllllllllll
50% llllllllllll lllllll
60% llllllllllll lllll
70% llllllllllll lll
80% llllllllllll l
90% llllllllllll
100% lllllllllll
110% lllllllllll
120% llllllllll
130% llllllllll
140% lllllllll
150% lllllllll

The graph shows us very clearly that between 30% and 50% is the best range.
However 20% is a big advantage over 10% that's for sure, and is the first really worthwhile interest.

OK, now let's assume you join HYIPs that pays 40% interest per month (Compounded).
How long will it take you to get to 1 million?

Starting

.05c
.50c
$5
$50
$500
$5000
$50,000
$500,000
with

-- 4 years 3 months
-- 3 years 8 months
-- 3 years 1 month
-- 2 years 6 months
-- 1 year 11 months
-- 1 year 4 months
-- 9 months
-- 3 months

llllllllllll llllllllllll llllllllllll llllllllllll lll
llllllllllll llllllllllll llllllllllll llllllllllll
llllllllllll llllllllllll llllllllllll l
llllllllllll llllllllllll llllll
llllllllllll lllllllllll
llllllllllll llll
lllllllll
lll

Surprisingly enough, this shows that starting with lots more money really doesn't speed it up all that much.

If you want to diversify, it is important to remember that you will be hard pressed to invest in more than one program with much less than about $150, although there are some good programs that have minimums in the range of $10 to $50.

Notice that 500,000 is ten million times more than 5c, yet 5c only takes 17 times longer to reach the same goal!

This exercise has yielded some interesting results.

1. Even if you are starting with less money, it will only take about 1 year longer to get to the 1 million dollar point.

2. While high interest rates are tempting, and there are other good reasons for going after high interests such as closing the "risk window" as soon as possible, you don't really need to go above 40%, and even 20% isn't too bad. Much above 40% and it is extremely likely that the program is a scam or will get overextended at some time and fail . All it takes is a couple of bad trades, or an ugly rumor, for even a good program to get squeezed for liquidity.

With only $50 and 30% interest per month (compounded), you are a millionaire in 3 years and 2 months! That is not to imply that we would simply rely on any single program to get my million dollars. One primary rule is that no one can ever be 100% sure which program will last more than another week. It is all probabilities. Please remember that. Drill it into your head. It isn't about being right every time. We don't always pick winners. We don't know anyone else in this business who does. You only need to learn to avoid the worst crooks and scams, and be right more often than you are wrong, and remember to spread the risk. Have a little faith. Not all your fellow men are crooks. It only takes a couple of legit, well-managed funds, to more than make up for a couple of losers.

OK, now let's look at the numbers. At $50,000 with 100% interest compounded every month, you are a millionaire in 5 months.

At $50 (1/1000th) with less than one third the interest (30%) compounded every month you are a millionaire in 3 years 2 months, only 7.6 times longer, yet much less principle (1/1000th) and much less risk!

And once you get to 1 million, 7% a month is enough to spend 1 million a year and still have your money well outpace inflation.

So if someone wanted to get to 1 million dollars (who doesn't) and has the patience to wait a few years, also wants to be pretty sure they will get there rather than losing it, and doesn't want to risk too much, we think about $500 at 20% average per month which will be only 3 years 6 months to become a millionaire.

A good, and probably the best, argument as to why you should go for high yields, is to close the "risk window" fast. This can be important at the start so you can use the money to diversify. Later you will want more security and you will have a broader base of more secure lower paying programs to provide it. You can go on vacation without worrying that your Very High Yield risky fund has collapsed and taken a large percentage of your "float" with it.

Of course all the above is based on the assumption that something that gives a 60% interest per month is more than 3 times riskier than 20%. (and will have less than 1/3rd the life span). Not always true, but a rule of thumb. You have got to remember that none of these is like the "invest and forget about it" rules of conventional 3% a year federally insured bank accounts. It is like being an independent adult. You can lose. No one is going to take that loss for you. But let me tell you this, the rewards are much greater also, and they are ALL yours when you earn them by your own self-discipline, persistence and experience.
Thinking and Speaking about Money in Enriching Ways

In the book Rich Dad, Poor Dad, Kiyosaki compares his "two fathers": his biological father who was a teacher and his mentor who was a businessman. The teacher was his "poor dad" and the businessman was his "rich dad." His poor dad said: "The love of money is the root of all evil." His rich dad said: "The lack of money is the root of all evil."

The quote below from Rich Dad, Poor Dad is extremely important. It powerfully illustrates what I call "Slavespeak" -- the phenomenon of certain words having hypnotic, stupefying, and debilitating effects on their users.

"Because I had two influential fathers, I learned from both of them. I had to think about each dad's advice, and in doing so, I gained valuable insight into the power and effect of one's thoughts on one's life. For example, one dad had a habit of saying, "I can't afford it." The other dad forbade those words to be used. He insisted I say, "How can I afford it?" One is a statement, and the other is a question. One lets you off the hook, the other forces you to think. My soon-to-be-rich dad would explain that by automatically saying the words "I can't afford it," your brain stops working. By asking the question "How can I afford it?" your brain is put to work. He did not mean buy everything you wanted. He was fanatical about exercising your mind, the most powerful computer in the world. "My brain gets stronger every day because I exercise it. The stronger it gets, the more money I can make." He believed that automatically saying "I can't afford it" was a sign of mental laziness."
An elite team of regular "Joes's" fighting back & making huge cash online one day at a time.
dDawg as a team has been able to create a profit on the internet.
http://www.str8junk.com/heavyhitter.html

An elite team of regular "Joes's" fighting back & making huge cash online one day at a time.
dDawg as a team has been able to create a profit on the internet.
http://www.str8junk.com/heavyhitter.html

 

 

High Yield Investment Programs (HYIPs)

The number of High Yield Investment Programs (commonly referred to as HYIPs) have exploded with the advent of the internet. Typically, a high yield investment program is a investment opportunity that is run over the internet, and promises staggering returns of 1 or 2% per day or more. This translates into an annual uncompounded return of 365% to 730%, a figure that is unlikely to be possible by any legitimate investment program. I believe the vast majority of high yield investment programs are scams, and before you consider putting money in a high yield investment programs, you should do your due diligence and consider these points:

• It is commonly believed that most high yield investment programs are Ponzi schemes, where the "interest" paid to existing members actually comes from money deposited by new members. As long as the program continues attracting new members, the HYIP will be able to pay its existing members, however, at a certain point, there will not be enough new members to pay off existing members, and the system will implode financially. Anyone who has money invested at this point will likely lose their entire investment.
• Most high yield investment programs are very short-lived, and do not last more than 6 to 18 months.
• Most high yield investment programs are located overseas, and do not disclose details about their location or management, and provide little contact information.
• Some people believe that it is possible to make money from high yield investment programs by investing only in new HYIPs and pulling out their money early. This is at best a huge gamble and a very risky tactic.
• There are numerous HYIP monitoring sites that track which high yield investment programs are paying, and which are not. These sites should not be completely trusted because it's possible for HYIPs to pay the accounts run by these sites so they can continue to appear to be "paying" programs.

My opinion is that most high yield investment programs are complex scams based on Ponzi schemes. This does not mean there are no legitimate high yield programs on the Internet, but if a program is paying a ridiculously high return, say 30 - 40% a month or more, then it is most likely typical HYIP and should be avoided.

If you are interested in alternative ways to generate a high-yield return on your money that does not involve HYIPs, you might consider the Legisi Return on Loan Program which I have used since 2005.

This review was written by Tom Oki, editor of a prominent business opportunity review site, where you can read a full article on high yield investment programs.