To HYIP Or Not To HYIP?

In case you are totally not familiar with this term, "HYIP," which stands for High Yield Investment Program, is a modern version of the infamous Ponzi scheme. One has to admit that "HYIP" sounds much more politically correct than the Ponzi scheme, but there is really little difference between the two. Obviously, no HYIP advertises itself as a Ponzi scheme as those are illegal. You can, however, easily recognize them by their claims of compounding your investment at the rates of 1-10% or even more daily, which clearly is not sustainable.

In an excellent ebook on making money online that I highly recommend, "Honest Income Program," HYIP is listed as one of the things to avoid along with 14 other useless or even harmful "business" ideas.

I must say that my opinion about HYIPs is somewhat different. I don't think that an average HYIP is any more harmful than a lottery and, in fact, the difference between the two is only in details. I would even say that you stand a greater chance of making some money with an HYIP than with a lottery, but your potential is much limited as HYIPs are bound to collapse either because they run out of new members or the owner of such a "private lottery" decides that it's just about the time to abscond with the loot and you end up holding a bag. However, in both cases the risks are about the same, although usually you can make some money with HYIPs if you are not greedy and play it for small gains and diversify across a few such programs.

There is also another benefit from HYIPs that is not so minor at all: you learn a disciplined conservative investing at a very small cost. The keyword is "small cost." Don't even think about throwing huge amounts of money at this. Treat it strictly the way you would treat a lottery. Most responsible, intelligent adults do not spend thousands of dollars a year on a lottery, but they may spend up to a hundred bucks and that's fine as long as this is not the money that you desperately need for other things. You do not want to be one of those people who have lost tens of thousands of dollars with those schemes. Yes, such people do exist...

Do I recommend playing HYIPs? As I said, only in moderation, and in moderation almost everything can be good, but never on a grander scale. Personally, I would never invest more than $10-20 per HYIP and no more than $100 altogether. On the other hand, you might as well check out "Honest Income Program" and go with the programs it offers. That, in my opinion, is even a better deal. Moreover, if you really ever decide to give HYIPs a try, by following the first of the programs this ebook presents, you will be able to earn $100-150 pretty easily within the first month and that should be enough to fund your HYIP investing account.

Waldemar Puszkarz, Ph.D., is a web veteran with 15 years of web surfing under his belt. By training, he is a theoretical physicist, but his interests are much broader than science and include trading financial markets, sports betting, poker, and researching online business opportunities. He is also an avid book reader and sports afficionado. Currently he is making his living mostly as a day trader. He has been in the trading trenches for almost a decade during which he has traded a variety of financial instruments. He is the owner and webmaster of Eminimethods.com (http://www.eminimethods.com) which provides free common sense trading education and simple trading systems for e-mini and stock markets as well as reviews of honest online business opportunities in Meet HOBO (http://www.eminimethods.com/HOBO.html) section of his site.

You can find more information about "Honest Income Program" on this author's website at: http://www.eminimethods.com/steven_ebook.html

HYIP Monitors And How To Read Them

Hyip montitors or hyip rating sites are lists where the hyip admin have to spend an amount to the admin of the monitor who spend the money back in that programme. From this moment the programme get a state.

Waiting: Already invested in the hyip however to early to receive the payments Paying: The hyip pays on time, everything is all right Problem: The hyip don't pay at time or don't pay at all. Scam: The hyip doesn't pay anymore, however it is still possible that you can view the website. Closed: The hyip is closed, normaly the website is taken offline.

Normaly the hyip monitor offer a little bit of extra information such as.
- Day of opening
- In what they trade
- About the hyip
- contact information
- Profit rate and investment plans

But caution!

-Some hyip admins are only paying the admin and not the monitor so they get a postive rate, that's why i prefer the monitors where you can vote on the programmes.
- Some hyips admins are hiring members to post positve comments on hyip related forums (yes they get paid for it) I'm sure you have already seen this before you browse in a thread there are some problems with a hyip and wham you get it a few newbies are posting: I've got paid
- As you may now most hyips don't invest at all. They are ponzi shemes (new pays old) however some members don't get paid they give a positive vote and hope that other members will join these ponzi sheme too. In that case there is a chance that the hyip will survive for another few days and in that case there is a chance that the false voter will see his money back.
- Not paying, no paying: Some hyip admins are hiring staff or paying members to post false votes for other hyips on different hyip monitors: They vote: Not paying.

How the hyip monitors are making money?

- Trough referral commissions.
- Trough advertsing ( banner advertising, Google adsense , Obeus).
- Premium listening: Some hyip admins are choosing these options to give a better rate to their hyip.
- They spend the money they received from the admin in the hyip. If the hyip pays they got a profit if they don't pay
or return in a scam no problem they haven't lost money.

List of good hyip monitors.

As you can see there are hunderd of hyip monitors out there. The reason why is simple most people think they can make a ridicilous amount of money by offering such a service and for a few hunderd bucks you have already the money to start a site, to buy a script and a little bit of cash to promote the service however i use these hyip monitors.
- Goldpoll
-Hyip-navigator (also with interviews and articles)
-goldrater
-listpays

Also in the forums of dreamteammoney can you see a whole lists of monitors. And the admin is there. Don't be afraid to ask questions to them to gain more information

But it's not all right to spend money in hyips only based on the information you received from the hyip?

- Always do your own due dillegence (research) - Look if the profit's are realistic (we make 15% a day trough forex= scam) - Go to forums The hyip admins can easily delete negative posts. Do you remeber the paid to surf programme Studiotraffic all the negative posts where deleted there. In independent forums they don't delete negative posts about a certain hyip - A red flag if you are seeing sentences like.
" We are a team of professional teams and banker with ten years expierence in forex and nasdaq. No we have decide to operate
online you can earn x% daily.
- The hyip admin is already rich.w
The administrator claims that he have already earned millions of dollars but now he gives you the opportunity to the same. And you don't have to trade yourself. Scam of course. Do you realy think that a millionaire will trade a few thousand bucks?

Frederik is an internet marketer and high yield investor you can read more articles about it on his blog

HYIP: Professional Investments

Investor-Info.biz: HYIP Articles library

HYIP: Professional Investments

Nevertheless, HYIP - a dangerous kind of business, that's why skilled investors try to develop the certain concept of preservation of the investments. Undoubtedly, the given concept - not panacea from all mistakes, but some principles are constant. Observance of these principles can essentially facilitate a task of investor - to earn not to lose.

Type of the project. You should determine precisely type of hyip project in which you want to participate. Overwhelming quantity of hyips are the simple financial pyramids, giving the part of new investments to their elder investors. The program participating in real business is a rare case. Usually it not so. In this case it is necessary to consider following factors:

Payment rates. A plenty of nonprofessional investors appear deceived by hyip-projects promising high payments daily. As a rule, such programs promise 2 % daily. It is well known among the professionals that such programs do not live no longer than week or two. Some of them guarantee 2 % and less payments, and this the deceit can proceed too long period of time, up to one year. Those programs, who offer variable daily payments, usually are more honest, than projects which promise constant payments. Really, if the program managers take participation in some trading, they cannot exactly know their possible profit in the every day in future.

Term of program life. Experience of professional investors shows, that possibility of strong profit from new project is higher than possibility to get the same from the old program. Cause of it is that the investments in new hyip are usually bigger, than in the old project. Also you should be carefully with hyip programs, who say in their rules, that " Last success of traders not is their mortgage of the future successes" Most likely, such program is become to closing.

Program status. Private programs with the limited number of participants are much more safe in comparison with public analogues. But it is very often such private status is false. For example, the program cannot be private if news about it are located at a forum. In this case, you, most likely, deal with scammer trying to to steal some money out of you or to involve you as the investor in his "private" project. Similarly, you should not trust to any sort mails with the same information from unknown persons

Internal accounts. Some projects have internal accounts with regular daily payments on it. It have possibility to make request to getting payout when investor wants. Other projects assume payments directly on E-gold or IntGoldm. Off course, the second variant is more reliable, because in this case you can observe a real picture of payments on your account.

Minimum and maximum. Often hyip projects offer too low invest minimum - about one dollar or even less. You should clearly understand, that no one real business project can not work with the such insignificant sum. Even expenses on the accounting are higher, than investments of the whole army of similar "investors". That's why fairly working program cannot accept the investment below than fifty dollars. A maximum should be limited not too big amount of money. It should be no more than one hundred dollars to one project.

You should to concern to everyone hyip to the program with mistrust, while you're not convinced yet in opposite. You always should be guided by the common sense. You should realize clearly your acts and the nobility about all possible consequences.

Written by Investor-Info.biz Admin December 20 2006 Investor-Info.biz All rights reserved! If you copy this article you MUST refer this page URL! This page url: http://www.investor-info.biz/lib/profinvestment.htmlMore articles about HYIP: http://www.investor-info.biz/lib.php

Investor-Info Team(Investor-Info.biz)

HYIP: Professional Investments is article written by Admin of one from best HYIP monitoring services - Investor-Info.biz. This article contains overview of most significant aspects of HYIP investment

How To Earn Maximum Through Deposit HYIP

You can earn high interest in quick time, thanks to High Yield Investment Program (HYIP). It virtually brings in a higher rate of interest than your savings account. You can realize your dream of earning big bucks here but that's not the case always. It might as well turn up into a nightmare considering the high-risk involvement in these types of investments. HYIPs are found in scores on the Internet while HYIP rating sites and HYIP forums directly monitor them. You will find that officially permitted HYIPs are more often than not based "offline" and not to mention run by registered companies.

There are different investment plans in the offering with HYIPs. In general, the interest and return put forward by HYIPs hover between 0.3% to 100% daily, weekly or even monthly. If the HYIP where you have invested shuts down, you will automatically lose all or part of your opening capital. If you are to curb the risk involved the best you can do is to spread your investment into quite a lot of HYIPs uniformly. List of HYIPs with most recent comments, rating and payment condition on each HYIP can be availed on the Internet.

If you are wondering as to how to invest with the online HYIPs, then simply read on. All you need to do initially is to become a member of the HYIP website. Yes, signing up is important because that's how you are going to make your first deposit. Always remember that deposits should be made only through the member's area. Furthermore, before you login, you will be asked for your username and password to access your account. You can easily open a free e-gold account to make your online money management easier.

As for the interest, you will know that it may fluctuate from time to time. Truth be told, interest is computed by the amount of the business profit, the forex market, and other investments on part of the company. Remember, you can make no direct deposit from your account balance. However, you can make additional deposits to HYIP daily account whatsoever although the transactions will be treated independently.

Another thing is that you just cannot open myriad accounts in these types of investment programs. What happens is that all the funds are freezed once a member is found to have more than one account. Again, you can get hold of account information 24 hours and not to mention 7 days a week online. If you place a withdrawal request, you will notice that funds are made available well inside 12 business hours.

Alice Dexter is a successful writer and publisher of HYIP related issues, for more informative articles go to http://www.hyipreviewed.com

A Guide To Gold HYIP

Of the sundry "get-rich-quick" schemes doing the rounds these days, the Gold HYIP (High Yield Investment Program) has surely caught the fancy of investors and laymen alike. And for all the right reasons too.

What is a HYIP?

A HYIP is an investment program that packs in promises of almost unbridled riches. HYIPs are touted to rope in interests and returns ranging from 0.5% to about 100% daily, weekly or monthly. The prime lure of a HYIP lies in the fact that you can hope to gather as much as 500% of the profits within a year.

But, on the flip side of it, these HYIPs are generally online for a short period of time, from only a day to one-and-a-half years. So this makes it all the more risky for you because you would stand to lose every penny you have invested if heavens forbid, the HYIP shuts down.

You need an e-gold account to be able to operate within the HYIP circles. This is because HYIPs use e-currencies as their medium of exchange.

How To Find That Truly Golden HYIP?

High Yield is proportional to High Risk is the abiding principle of all those who have burned their fingers toying with HYIPs. But you can definitely strike the riches if you go about your HYIP venture carefully and armed with all the requisite information.

Well-wishers will advise you to go in for the private HYIPs. Albeit with low interest rates like 1-1.5% daily, 6.5-12% weekly and 25-30% monthly, the popularity and the feasibility of these HYIPs hinge on the fact you can keep up with these rates of return. Furthermore, there are many private HYIP programs that will offer you a compounding interest on your deposits so that you can maximize your chances of making it big.

However, these are exclusive privileges and you need a referral by an existing member to be able to access them.

Some Advantages With The Gold HYIP Web Sites

The advantages with the usual kind of HYIPs apart, going in for a service with the variety of gold HYIP web sites thronging the Internet comes with its unique set of benefits and conveniences for the customers.

For instance, your account will be updated almost as soon as you deposit, then you can collect your profits any time you desire and you can also redirect deposit sums from your account balance elsewhere. Besides, you can safely bask in the knowledge that at these webs sites your finances will be ably handled by a group of investment experts, so that you minimize your risks of losing money.

A Few Words of Caution Before You Go Forward With Your Gold HYIP

The promises made by the HYIPs are quite enough to send you into a daydream. But there are certain things that you should definitely keep in mind before you plunge into one.

- A worthwhile tactic to lessen your chances of your investment going up in flames is to not to put all your eggs in one basket. That is to say, you divide your investment amount between several HYIP, preferably equally.

- Don't leave your interests in the investment accounts for compounding. Instead transfer them to your e-gold or e-currency accounts immediately.

- Don't bite off more than you can chew. Invest only the amount that won't pinch if lost. Remember with a HYIP, neither your principle nor your profits will be guaranteed.

Don't be starry-eyed when it comes to a gold HYIP. Tread cautiously, because all that glitters may not always be gold.

Alice Dexter is a successful writer and publisher of HYIP related issues, for more informative articles go to http://www.hyipreviewed.com

Things you should know about HYIPs

An HYIP (High Yield Investment Program) is an investment program that offers high returns with a corresponding high level of risk. Contrary to common types of investments, HYIPs can easily give you 100% return in less than a year. Some programs even offer the same return after a month, some after a week, and some offer 100% return even just after some hours.

It is possible to generate such earnings if you know how to play the HYIP game well. In order to do so, you need to equip yourself with the basic knowledge about surviving in the HYIP arena. Below are some things you should know before making that first step into the HYIP world.

1. High Yield means High Risk. Most people are aware only of the "High Yield" part of HYIPs, but as we all know, return is proportional to risk. Simply stated: the higher the return, the higher the risk. In HYIP, be prepared to lose everything.

2. Invest only what you can afford to lose. Since you can lose everything in HYIP, do not ever, ever, ever (have we pointed that out clearly?) invest any amount you are not prepared to lose. One actually "gambles" rather than "invests" in HYIPs. In the same way that you won't go to a casino or bet on the lottery with all your money, do not "gamble" in HYIPs with the money for your house rent, child's allowance, or groceries. Gamble only an amount you won't cry over if you lose it.

3. 99% of HYIPs are scams. Don't easily invest on the first HYIP you see online. Conduct research (DD or Due Diligence in HYIP jargon), search for online reviews, and ask those who have already invested in the program. What hurts the most is investing in an HYIP that will run away with your money the next day. That usually happens if you don't do research first.

4. Diversify. Put your money in a group of investment programs, preferably with varying degrees of risk and return. The idea is for you not to "put all the eggs in one basket." That is, even if one of your programs fail, you still have some fallback, can still reinvest, and perhaps recoup the losses through the other programs.

5. Take out your principal as soon as possible. Don't be greedy, take out your principal investment as soon as you recoup it (take some profits with you) and re-invest only the profits earned if you still want to invest in the same program. That way, even if the HYIP you are in folds up, you'd walk away as a winner.

6. Protect yourself online. As most HYIP transactions are conducted online, you are prone to viruses, trojans, hacking, phishing, etc. Protect yourself by using multiple passwords, using different login names, installing a virus scanning software and firewall, and regularly checking your PC for updates and patches. The worst thing that could happen to you is to receive a $5,000 deposit in your e-currency account, only to find it inaccessible because it has been hacked!

7. Do not always trust forums and rating sites. Some, if not most, forums and rating sites are either the owners themselves of the scam HYIPs or paid by the owners to advertise the program. Check for objective comments and reviews of programs that interest you in different forums and rating sites. Try to find and stick to a forum or rating site whose members are credible, have integrity, and have built good reputation for themselves.

8. Do not just sit down and wait. Unlike investing in stocks, t-bills, or mutual funds, investing in HYIPs require some amount of attention since you need to regularly check on the progress of your investment and the status of the program you are in. If you invest in a program and come back after 1 year, don't be surprised to find the program gone! There's a big chance the program's admin has ran away with your money!

9. Ask questions and learn. You simply can't succeed in HYIP if you do it alone. Learn from the experts and veterans. Ask questions.

Help is here. Visit www.PinoyMoneyTalk.com now!

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

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

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.