HYIP Scam Info



             


Monday, February 11, 2008

Spammers and referral whores using names of big HYIP sites to deceive investors

Spammers and referral whores* have devised an innovative way to get investors to notice their advertised programs. For several months now, these people have been sending spam using names of popular HYIP forums, HYIP monitoring, and other HYIP-related sites.

Here are examples of spam we received purportedly coming from known HYIP sites. The sites have constantly denied any involvement in the distribution of these spam mails. Be warned that these referral whores are in it only for referral commission. Worse, if they are program admins themselves, these spammers want to bait you into the program hoping you would promote the program to other people.

DO NOT support these programs. DO NOT click any link in the mail and DO NOT join any of the programs they advertise. You risk yourself being scammed. Report the mail as SPAM in your mail box so that the next time you receive mail from them, it will be sent to the Junk Mail folder.

Here's one mail that deceptively used the name "TalkGold Admin" in its email address, hoping you'd believe it's an official mail from the TalkGold forum. It is not.

* * * * * * * * * *

From: talkgold.admin@gmail.com
Date: Oct 8, 2006 7:51 AM
Subject: Please read !

We are monitoring the paying site !
We recomend you to join here

http://profitbranding.net/deposit.php?cgi=m e m b e r (DO NOT VISIT THE SITE!)

Short plan info :
Plan A : 10% hourly for 15 hours !
Plan B : 20% hourly for 15 hours !

Payment accepted : e-gold
Referals bonus : 15% and free 1000 USD in hot contest

=============================================

Your faithfully,
Talkgold admin
talkgold.admin@gmail.com

* * * * * * * * * *

The next mail was supposedly sent by the Goldrater monitoring site, except that it was sent by Gaoldrater.com and not Goldrater.com.

* * * * * * * * * *

From: support @ gaoldrater. com
Date: Oct 18, 2006 7:13 AM
Subject: perfect choice for you

Click below to join >>> http://tinyurl.com/y m v q 5 b <<<< (DO NOT VISIT THE SITE!)

Take a look at our investment plans:

Starter Plan: 15% hourly .
Accepted: $10-$125.
Advanced Plan: 30% hourly .
Accepted: $126-$5000.

For years our specialists have worked in different fields of online trading, investment and consulting. We have participated in a lot of successful investment projects. Finally we decided to join our skills and experience and create new brand investment project - SHARES VISTA.

Strong confidence in our abilities and expertise combined with the professional market prognosis has brought our company to where it stands now. We know how to approach our business properly and our innovative thinking turned out to be one of the major factors of our success.

Click below to join >>> http://tinyurl.com/y m v q 5 b <<<< (DO NOT VISIT THE SITE!)

* * * * * * * * * *

Here's another clever disguise. The spammer was able to manipulate the email headers (yes it is possible) to show that it was sent by HYIPDiscussion.com. A closer look at the headers, however, shows that the mail was actually sent by worldgoldprofit.us.to. The official HYIP Discussion site has also denied several times that it is sending any spam.

* * * * * * * * * *

-Gmail-Received: 715f6ffe916c65f8f6ae32fa1fc6d796c06d7180
Received: by 10.82.162.9 with SMTP id k9cs105461bue;
Tue, 14 Nov 2006 11:58:06 -0800 (PST)
Received: by 10.35.21.9 with SMTP id y9mr1509001pyi.1163534285790;
Tue, 14 Nov 2006 11:58:05 -0800 (PST)
Return-Path: <info@hyipdiscussion.com>
Received: from leaf.phpwebhosting.com ([67.19.218.130])
by mx.google.com with SMTP id 5si3476807nzk.2006.11.14.11.58.01;
Tue, 14 Nov 2006 11:58:05 -0800 (PST)
Received-SPF: error (google.com: error in processing during lookup of info@hyipdiscussion.com: DNS timeout)
Message-Id: <455a1fca.0308aa54.3fc8.ffffcb46SMTPIN_ADDED@mx.google.com>
Received: (qmail 12797 invoked from network); 14 Nov 2006 20:01:28 -0000
Received: from unknown (HELO User) (ajie@worldgoldprofit.us.to@203.190.40.17)
by 82.da.1343.static.theplanet.com with SMTP; Tue, 14 Nov 2006 15:01:28 -0500
From: "info@hyipdiscussion.com"<info@hyipdiscussion.com>
Subject: BEST HIGH PROFIT!!! 200% in 4 hours!!! Bonus available 50%.
Date: Wed, 15 Nov 2006 03:02:54 +0700

hello, all hyipdiscussion member!
We recomended this one for you....

2hundredpercent investment.
They pay 200% in 4 hours. Dont be late....

::: Start Now! :::

Here the real HYIP, new comers with great programs.

Minimal invest is $4 and maximal invest is $ 250
We pay 200% after 4 hours.
20% at 1st hour
50% at 2nd hour
50% at 3th hour
and
80% at 4th hour
Total pay back is 200%

We add 50% for Biggest investor today. Just if you invest more than
$50.
So we pay 20% + 50% + 50% + 80% + 50% (free). Total profit is 250%.

Do not be late, now go to : http://2hundredpercent.sites l e d.com/ (DO NOT VISIT THE SITE!)

Double your money there...

They are on top in our monitoring website.

http://2hundredpercent.sites l e d.com/ (DO NOT VISIT THE SITE!)

Thank you

* * * * * * * * * *

Another deceptive spam was supposedly from the GoldPoll monitoring site. Although the email header was manipulated to show that it was sent by admin@goldpoll.com, it was actually sent by admin@goldfpoll.com -- notice the F between Gold and Poll. These guys can't even spell the name of their site right: the subject says the program was a "GollPoll recommendation".

* * * * * * * * * *

E-TradersGroup

115th Days & PAYING

128 Bit SSL

Automatic Withdrawals
Info
Started Jul 28, 2006
Running days 115
Total accounts 2380
VIP accounts 160
Total deposited $ 13,920,893.73
Total withdraw $ 3,554,953.08
Visitors online 46
Members online 23
Newest Member conkol45
Last update Nov 20, 2006

115th Days & PAYING

128 Bit SSL

Automatic Withdrawals

E-TradersGroup

Link: http://e-tradersgroup.com/index.php?ref=h a n k o k (DO NOT VISIT THE SITE!)

* * * * * * * * * *

Again we advise you NOT TO visit these sites, NOT TO click any links, and NOT TO join any of the programs these spammers are advertising. YOU WILL ONLY BE SCAMMED. Beware.

* "Referral whores" are people who aggressively promote and push for a program -- regardless of the fact that it may be scam -- with the only intent of earning commissions for every referral they direct to the site.

www.pinoymoneytalk.com

Pinoy Money Talk is an online community of Filipinos involved in various online and offline investment and money-making opportunities.#BREAK#

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Friday, January 18, 2008

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

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Sunday, January 13, 2008

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

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Tuesday, January 8, 2008

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

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Friday, January 4, 2008

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


 

 

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Thursday, January 3, 2008

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.

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Sunday, December 30, 2007

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.

Investments provides detailed information on Investments, Real Estate Investments, Bank Trust Investments, Stock Investments and more. Investments is affiliated with How To Invest Money.

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Thursday, December 27, 2007

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

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Wednesday, November 28, 2007

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.

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