Estimating Risk Of E-Gold Investments (HYIP-Autosurfs and Others)

Today I will show you some important factors that must be considered when estimating e-gold investment risk. You must realize, that proper estimation of risk is 90 per cent of success.

1. Admin's personal data. If an admin of program is an honest person he/she should not hide his personal data. It can be checked through any 'whois' service. If a domain is registered for some incorrect data, it should let you know that something is wrong. If the information seems to be correct, try calling the admin (its cheap with voip) and check if he/she is responsive etc. However, it happens that people use privacy protecting services, I do myself. It is very popular method of protecting privacy. Personally, I do not give up programs that use privacy protection.

2. Legal script. Those programs that are based on some sort of php script, must be run on legal copy. Most of HYIP scripts are made by GoldCoders and autosurf scripts are made by Neversay. It is very important that the site runs on a legal copy, its much safer and means that admin spent some money on building a program.

3. Graphics and language. High quality graphics is not cheap, it means that admin has money and is willing to spend it for the programs performance. You should also check the language of the page. Most sites are run in English, so that will be easier for you. Make sure that Terms of Service and every other texts are written in correct English, that there are no mistakes.

4. Contact. Admin should be responsive and supportive. Check the time for response by mailing him with some questions. Its good to ask about his investing strategies etc. You will now does he/she know what is doing and check his/her will to assist you.

5. Advertisement and popularity. When HYIP and autosurfs are concerned (e-gold investments in general), advertisement becomes one of the most important factors of program's and your success. Remember, the more new users (due to heavy advertising) the more likely you are to profit. Most of the admins are also present at the major forums and are willing to assist anyone there as well.

6. Admin. It might happen that someone present at a forum for a long time, decides to start his own e-gold investment program. Check his/her previous posts, try to learn something about that person. People, who are supportive for other members, are more likely to commit for the program's members. They will also be credited with much trust, what will result in cash flowing to the program, you should be there.

7. ROI. Return on Investment. The lower ROI the most stable the program is likely to be. However, programs with to low ROI are not going to interest a lot of investors. Nevertheless, such a programs will gain much attention after a longer time, especially if admin is very supportive. I would recommend putting your money in programs with low ROI. I will show you how to count ROI soon.

8. Age. The younger the program, the more likely it is to stay online for at least one full cycle. It can be your cycle if you manage to get in on time. I recommend joining young programs with high ROI, by young programs I mean those e-gold investments that are aged one or two days. It is likely that you will not loose your money and you should even make some profit. Especially with some referrals in your downline. However, with e-gold investments with low ROI, this is the opposite way. Older programs have a confirmed position and stability, thus people are willing to deposit their money, especially bigger money in such programs.

9. Minimal deposit. The programs with low minimum $1-$10 are most likely the ponzi scheme based programs. If admin is willing to invest the money, he/she should not be distracted with some small amounts of e-gold and should focus on investing what members have already deposited. Real e-gold investments start from about $100, but it shall not be considered a rule.

I hope that these rules for estimating the risk of your e-gold investment will be useful for you and will help you earn some money.

If you want to learn more about e-gold investments and other online money making opportunities, please, visit my blog:

http://im-making-money.blogspot.com/

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.

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.

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.

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

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

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

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

Come see what SonicoWeb has to offer.

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

On High Yield Investment Programs

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

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

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

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

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

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

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

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

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