The Difference Between a Hyip and a Ponzi ?

Am i playing the safe side?

All you know that you can made money from investing into 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.

What exactly is a ponzi scheme ?

Ponzi schemes or pyramid schemes has nothing to do with investments, business or sales. Simply because they do not trade your money or they do not sell you anything. The fact is that a ponzi scheme uses the money of new investors to pay out old investors. Some ponzi schemes are surviving a few weeks and some of them even a few months. But this is for sure they all go die after some time. Why? Because mathematically it is impossible to find new investors. Or sometimes the legal authorities find out the ponzi scheme and close it.

A true Ponzi scheme usually promotes what appears to be a real investment opportunity which investors may contribute to without actually being an affiliate, distributor etc. A pyramid scheme, on the other hand, usually requires that participants make a payment for the right to recruit other people into the scheme, at which point they will receive money.

There are a number of ways to spot a Ponzi scheme from a genuine HYIP opportunity. You can find many hyips on theHYIPs.net 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.

Be wary of anything that sounds too good to be true. It probably is if it sounds like it might be. Anyone that promises a guaranteed return in any amount of time is probably not legitimate. There is no such thing as a guaranteed return when it comes to investing money. And on any return there is no guaranteed amount that can be returned. So either promise is someone out to scam you. Common sense goes a long way when it comes to investing money anywhere.

source : http://www.hyipmania.com/do-you-want-to-know-dissimilarity-between-a-hyip-and-a-ponzi/

How to Avoid Losses in HYIP ?

How to avoid Scam

There is no 100% flawless full proof plans to always earn from investing on the internet for 3 main reasons:

1. Pyramid scheme most of there program use the pyramid system which basically say that the person that invested first has a better chance to earn than the people after him.

2. Scam – these days almost every one can open his own investment site using a legal or illegal script, it’s hard to spot a scammer but there are some ways to check it.

3. Luck – think of this as a gamble you win some you lose some.

I am using a very simple method to invest money on the internet

How to spot a scam?

1. License check – today its easy to get free license, many scammer use

It in order to check for a hyip script license goes to

goldcoders.com/?page=checkdomain

This company sells hyip script and here you can check the hyips domain.

2. A scam site usually will buy for his host or domain for a very short time you can check its Expiration Date in

site like this:

who.godaddy.com

If you see he paid for only one month that should light your bulb.

3. The design – cheap and ugly doesn’t point it’s absolutely a scam but you better think twice, scammer want to

invest the minimum.

What to do before investing?

After you check for scam signs comes the part of research.

Check the program on big sites and money forums like MMG or GPF and see what the other investor has to say about it.

Check the monitors, these are sites the monitors the investment site by invest in them, the sort them by their

status (pay, pending, problem and scam) and by the investors votes.

Monitors are very good to find some new programs to invest in.

Remember, always check 4-5 monitors, there are many on the internet some good some not, compare the information.

This a good one I check everyday

How to choose ?

There are many options for investing high % low %, daily, weekly or monthly.

The high % will not last long when it’s a hyip.

Auto surf usually last longer statistically mostly because it’s easier and cheaper to open a hyip so most of the

scammer concentrate there.

Some rules about investing

If you choose a hyip with a high % for instance 150% in 3 days invest only on the first day, about 99% of these are

scams but you could earn if you are on of the primary investor.

Many hyips now use the round system, the will keep on pay till they cover 90-95% of the investors money, after that

the round is over and they use the money for advertising, if you want to participate in a round invest only in the

first day of the round else you are throwing away your money.

* don’t spend all at once always make a test spend, if an auto surf upgrade costs 10$ don’t buy 1000$ spend 10$

and check it, are they paying ?, how fast ?

See if you like it because there are many good ones today.

source : http://www.hyipmania.com/how-to-avoid-losses-in-online-investing/

Three Steps To Profiting Wildly With Autosurfs And Hyips – Part III

Welcome to the third and final installment of my article series on making extreme profits in Paid-to-Surf and HYIP programs. As mentioned before, there are three primary areas where one would be wise to consider using specific strategies designed to help enhance profits, limit risks, or both.

1. Program Selection

2. Portfolio Management

3. Money Management

In Part III, let’s examine one of the more difficult areas of self-discipline, money management.

3. Money Management

There is no doubt that practicing good money management will lead you to more success, or at least insure that you avoid devastating failures.

Always remember that a primary goal of any investor should always be “Capital Preservation”.

One of the main ideas behind money management is to preserve capital so as to enable one to live to trade another day. Before you ever enter a trade, the first thing you should ask yourself is, “How much money am I risking here and can I afford to lose it?”

Good money managers in the stock market never risk more than 2% of their total equity in any one transaction. You could probably do well in the HYIP arena by risking no more than 5%. You’ll be more indifferent to any individual spend that way. Keeping your risk small and constant is absolutely critical. The idea here is that no one transaction is going to significantly affect you if it results in a loss. If a program goes under, you’re not going to go broke, or have to sell your house, car, art and jewelry in order to go on. If you really want to succeed in the treacherous waters of HYIP programs, then remember this: “Keep your losses small, and the profits will take care of themselves.”

You must never fall in love with your programs. Expect all of them to fail at some point and you won’t be so surprised when they do. That’s not being pessimistic. It’s being realistic. Your goal is to consistently make a profit while minimizing your risk. Nothing more.

The Optimal Use of Your Capital

You should first determine how much money in total you’re willing to devote to making profits with HYIPs. Let’s say you have $1000 of mad money that you feel you can risk losing without any significant damage to you or your family’s lifestyle. You’ll want to create a portfolio of let’s say 10 programs putting no more than 5% ($50) into each one. If you want to put all your money to work, then you’ll have to find 20 programs for your portfolio, putting 5% into each.

Some will ask, “Should I put the same amount in each program?” Well, this is a personal choice, but it’s our opinion that it’s very difficult to predict which programs will fail and which will survive. Generally, we suggest you spread your money evenly across programs, but if you want to put a little more into programs you feel have lower risk, then fine. You should still place no more than 10% of your money at the very most into any one program.

Most people will tell you to get your original money back as soon as possible and only play with your profits. That really doesn’t make any sense if you think about it. If you’re that worried about losing your starting bankroll that you feel you have to get it back ASAP and tuck it back into your bank account, then you shouldn’t have risked it in the first place and you shouldn’t be playing this game.

If I start with $1000 that I can afford to lose, I am certainly not going to stop using that capital just because I made a $200 profit from my portfolio. On the contrary, with $1200 of capital, I can now put $60 (still 5%) into each program instead of $50. Either increase the amount of your spend evenly across programs or increase the number of programs you have in your portfolio.

Conservately speaking, you should be able to earn at least 20% net ROI per month on your capital. This even takes into consideration the program failures you’ll encounter.

Let’s think in terms of what it would take for you to actually make a living doing this. How much do you need every month to live on? Let’s say it’s $4000. OK, then you need to build your portfolio until your monthly ROI of 20% equals $4000. Starting with $1000 and making 20% per month, it would take you about 17 months to build your portfolio up to $20,000. At that point, your 20% ROI will yield you $4000 every month. Of course, if you could start off with $2000 instead of $1000, it would only take you 13 months.

Don’t be impatient. Don’t be greedy. Keep your emotions out of it and stick to the plan. Follow the guidelines above and you will most likely achieve financial success through HYIP and Surf programs.

source : http://www.hyipmania.com/three-steps-to-profiting-wildly-with-autosurfs-and-hyips-part-iii/

Three Steps To Profiting Wildly With Autosurfs And Hyips – Part II

As mentioned in Part I of this article series, there are three (3) primary areas where one would be wise to consider using specific strategies designed to help enhance your profits, limit risks, or both.

1. Program Selection

2. Portfolio Management

3. Money Management

My previous article explored Program Selection. Now let’s look at the second primary area of concern, portfolio management.

2. Portfolio Management

Everyone tells you to diversify and they’re right, you should; but that’s not the end of the story.

How many programs should you diversify into? If you’re into paid-to-surf programs, make sure you don’t diversify so much that it takes an excessive amount of time to get all your surfing in. Most programs require you to surf their advertisements on a daily basis and failing to do so can quickly reduce your ROI. Also, don’t diversify to the point where you have problems keeping track of your portfolio.

Many people say to get into the lower ROI sites because they last longer. That’s a little misleading, actually. If one site is paying a daily ROI of 2%, then it only needs to survive half as long as on that pays 1% per day. But you also have to take into consideration that “time is money”, and the longer you have to wait to get your profits, the more costly things are in terms of risk and overall return.

Another thing to understand is the principle of diminishing returns when adding programs to your portfolio. In other words, when you spread your risk from being in one program to being in two programs, you’ve cut your risk by 50%. Adding another program will only cut your risk by 33% and a fourth program will only cut your risk by an additional 25%.

So you can see that each program you add to your portfolio offers less and less in terms of decreasing your overall risk. Ideally, you should probably be diversified into 10-20 different programs. Try to be in five programs at the very least. Too many people put all their eggs in one basket because they’ve fallen in love with the program. This is a classic scenario for disaster. Don’t let it happen to you.

There’s a difference between supporting the programs you belong to and defending them against rumor mongers and such in the forums, compared to blindly believing in a program despite all the red flags.

What kinds of red flags? Good question. When should you get out of a program? The single most reliable indicator of a program about to fail is late payments. The best way to monitor this indicator is to watch what people are saying in the forums or at your favorite monitoring service (e.g. ROIDetectives.com)

That covers the essentials with respect to portfolio management. Stay tuned for the conclusion to this article series, Part III which covers money management.

source : http://www.hyipmania.com/three-steps-to-profiting-wildly-with-autosurfs-and-hyips-part-ii/

Three Steps To Profiting Wildly With Autosurfs And Hyips – Part I

Let’s talk about the high-yield, high-risk arena of Paid-to-Surf advertising programs and HYIPs out there, and how you can be truly successful at achieving an insane return on your investment.

There are three primary areas where it would be wise to consider using specific strategies designed to help enhance your profits, limit your risks, or both.

1. Program Selection

2. Portfolio Management

3. Money Management

1. Program Selection

You’ll get lots of different opinions on this subject, but the bottom line for this issue is the same as it is for many others. Your ultimate decision will depend on your tolerance for risk. That may sound a little odd considering that all of these programs are high risk, but it’s also true that some are riskier than others. I recommend that you keep the following in mind when choosing a program:

Transparency – How much information is available regarding the program administrator(s)? Do they have an established reputation? How do they generate their revenue? Where are they located? What other programs have they been involved in?

When to get in – In most cases, it’s probably wise to wait until a program has gone through a couple of cycles of timely payouts before you jump in with very much money.

When to get out – We also know that most programs don’t last for even a year, so if a program has already been around for several months, keep on eye on it’s alexa charts and the forums to watch for any signs of downward trends. You should support the programs and admins you trust and believe in, but don’t let false hopes lead you to make poor financial decisions.

Return on Investment (ROI) – Stay away from programs with an unusually high ROI. The returns offered by most of these programs are already fantastic. Don’t get greedy. When a program appears to be offering a return that’s unbelievable, then that’s probably just what it is. Some programs have had fairly long lives offering as much as 2% net return per day, but that seems to be the upper limit.

Comparing Different Program ROIs – When comparing programs’ ROIs, don’t just look at their advertised rates like “10% for 13 days”. This only tells you what your “Gross ROI” is (your return before any other expenses). What you want to use for comparison sake is “Net Daily ROI” (your % return per day after all expenses). 130% could be considered your Gross ROI in the example above, but how many days does it take for you to actually get paid? 7 business days equates to about 10 calendar days on average so that would be 13 days + 10 days. And don’t forget fees. Here’s an example:

$100 spend earns $30 gross profit

Payment processor fee for spend was 2% ($2.00)

Program fees are 1% to cash out ($1.30)

Net profit = $30.00 – $1.30 – $2.00 = $26.7

Total time to receive funds back into your account = 23 days

So … Net Daily ROI = $26.7 / 23 days = 1.16

Now you know how to accurately compare programs.

Referral Commissions

If you’re a ROI Detectives Associate, or otherwise interested in developing passive streams of income, then you’ll need to pay attention to referral commissions. These commissions generally range from 1% all the way to 12%. In addition, several programs offer tiered commissions often going two to three levels deep. The profit potential here can be pretty staggering.

The point is that if you want to generate additional and passive streams of income, it is in your bests interests to select programs that have higher rates and multiple levels of referral commissions. It is also in your best interest to promote these programs more heavily than those programs without these incentives.

Hopefully, this short introduction will help steer you down the right path when it comes to program selection. Part II will focus on Portfolio Management.

source : http://www.hyipmania.com/three-steps-to-profiting-wildly-with-autosurfs-and-hyips-part-i/

6 Tips For Beginning Hyip Investors

Beginner investing can be very difficult and since folly here can cost you a great deal, it's nice to have a little hard earned experience handed to you to help you along your way. And since this information is free, if you review and apply the following guidelines I lay before you, it may just be the best investment you ever make.

HYIP's or High Yield Investment Programs are one of the latest internet investment schemes that are gaining a lot of global attention not only for the return on investment that they promise to give, but also because of the number of individuals who are losing there wallets by placing there trust in such programs.

HYIP's by nature are known to have a higher percentage of investment risk, but also a dramatically larger percentage of yield. In the last few years they have become more known as "ponzi schemes".

Ponzi schemes typically involve promises of abnormally high returns to investors in a short period of time. The first investors enrolled into the program are the first to profit and do so by the funds invested by subsequent investors. Eventually the whole scheme collapses or falls in on itself leaving the majority of its investor's deficient the principal amount they invested.

The online community has produced several forums and monitors to help protect investors who choose to pursue this high risk form of investing. You can quickly check the current status of a desired program and read comments or reviews to. You can also be notified on a day by day basis as to whether or not the program is still paying out to its investors.

Some hard earned practical tips and guidelines for beginner investing are as follows;

1. The number one rule to HYIP investing is to only invest in what you can afford to loose. The chances of you loosing your investment are very likely if you don't carefully follow the following steps.

2. Diversify! We have all heard this before. Do not put all your eggs into one basket. If you are hoping to invest five thousand dollars than you might want to consider investing $1000 into five different programs or $500 into ten different programs. Don't loose it all in one place.

3. When looking for High Yield investment programs, make sure there is legitimate contact information on the website allowing you to contact the program's administrator if you have any questions after investing. You would be shocked to know that a large percentage of investors don't even have a method of contact other than an email address.

You should always test the email address to validate that it is an active address as well as to test the response time of there customer service.

If there is a phone number present, test it as well and make sure that it is an active line. Do you get a live person on the phone when you call?, or is it always a message box telling you they will contact you back? This can be a strong indicator of a small basement ran scam trying to take your money. Scammers know that many will check for a phone number but not call it until their promised returns don't show up in their account.

Don't be so foolish, due diligence will save you more money than anything else in the arena of HYIP investing.

4. Check the life of the HYIP of interest. How long has it been around? Here you don't want to invest into a program that is to new as it has yet to be proven. You also don't want to invest in one that is to old as it may be about to crash considering most HYIP last less that a year's period of time.

5. Percentage of return should also be considered as well as the old adage "If it's too good to be true than it usually is". The smallest promised gains in the HYIP world return about 1% daily, which gives you a higher yield than just about anything else you could invest in. The key here is not to get greedy. The higher the promised yield the greater the risk.

6. Lastly, don't let emotion get in the way. Study your interests, define a plan and stick to it. Emotional investing will get you no where!

If you're a beginner on investing in HYIP's, these tips should help you greatly as they are all hard lessons to learn by yourself. Do yourself a favor, employ the tips above, dramatically reduce your risk and lastly of course, make some money!

Read more: http://www.articlesnatch.com/Article/6-Tips-For-Beginning-Hyip-Investors/489407#ixzz0jLulWfc9
Under Creative Commons License: Attribution No Derivatives

source : http://www.articlesnatch.com/Article/6-Tips-For-Beginning-Hyip-Investors/489407

How Do I Know Which Programs Are Scams ?

Although it is virtually impossible to tell if a HYIP is a scam until the moment when they stop paying, there are several steps that you can take in order to minimize the chance of being scammed. For instance, you can do a Due Diligence (DD) check on the program. Listed below is a guide:

Step One

Use the following whois lookup sites to find out more about the program:

Look up IP Address Lookup Internet Service Provider (ISP)

Look up IP Address belongs to (Organization)

Look up Country

Look up Continent Lookup State

Look up City

Look up Latitude

Look up Longitude

Look up Timezone

Look up Registrant (website’s registered address, contact person, etc.)

www.seoconsultants.com/tools/whois.asp

Compare the whois information you have found from the above with the information provided by the program owner on his website. If you find any major discrepancies, you should be extra cautious about the program. The program owner may be trying to hide something from you.

Step Two

Before joining any HYIP, make sure you are comfortable with the program and have confidence in the owner. In the event of default by the program, you can locate and report them to the internet fraud authorities.

Step Three

Take note of the Internet Service Provider (ISP) for the program and to which organization its IP Address belongs to. Record their contact information (such as email address) so that in the event of default by the program, you can file a complaint to the ISP against them for internet fraud. If proven to be true, the ISP will most likely cease providing its services to the program. This prevents the program from cheating any more money from innocent members.

Step Four

Should you be the victim of a scam, submit details of the website found from Step One with your electronic payment confirmation number and send a complaint email to the following authorities to alert them of the internet fraud:

1. Internet Fraud Coordinator: ifcc.tp@fbi.gov

2. International Web Police: Director@Web-Police.org

3. ISP Provider (Refer to Step One. Look for the email contact for website abuse of the ISP Provider or the organization that the program’s IP Address belongs to and file a complaint).

4. Local authority (refer to the web registrant’s station address, search on the Internet to locate its country authority; such as the state police or any other relevant authorities)

5. E-gold Service (C.C. the email to the program owner)

You can obtain more information about fraud reporting at fraud.org. Also don’t forget to check status of your favourite HYIP program on HYIP monitoring.

source : http://www.hyipmania.com/how-do-i-know-which-programs-are-scams/

HYIP Monitors

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.

Some Advice For HYIP Beginners

This article describes hyip - investment programs. It is intended for those who are the beginners in such business. I think, a beginner can gather some rules and advice that can help not to lose but earn some money by participating in such projects.

First of all, you should decide: whether this method of earning money appeals to you? First of all, answer the following questions, and then make your own decision.

I do not advise you to start participating in this business if the following character traits are inherent to you:

1. You are afraid to risk your money. It is necessary to note, that absolutely reliable hyip projects do not exist. Any commercial or state bank offers low profitability of an investment with high reliability. On the contrary, hyip offers high liquidity, but often many of them have a short term of existence.

2. You should realize that hyip projects cannot make a profit from anything. You should deposit necessarily some minimum of money to receive profit. It is well-known, that it is impossible to receive something from anything. If you do not have necessary minimum (as a rule, it's over 100-1000$) you should earn and deposit them first.

3. Are you very emotional? Are you nervous? In this case, hyip business is not for you. Moreover, if you are capable to unforeseen rash acts, is very dangerous to participate in hyip projects. In the first case you'll suffer from sleeplessness, in the second - an opportunity to lose quickly all the money.

4. You like to blame others for your mistakes.

If, once a failure occurs, you blame everyone (be it an administrator, a friend, a boss, the government, God, weather, coincidence etc) except yourself, you should stay away from HYIP. Keep in mind that YOU are the only one being responsible for the decisions you are making, and the entire fault in case of a failure is yours. If you have lost money in HYIP - you are the only one who is to blame for your unpredictability and greed, having taken over your common sense. Remember that no one was pulling you on a lace and you have voluntarily given your money to a scammer.

5. I strongly advise you not to participate in hyip projects, if cheating is inherent in your character. There are too many dishonest persons in this business besides you.

HYIP - is for you, if:

1. HYIP is the best way of earning money for you, if the realized risk - congenital feature of your character. You should understand, that risk is a noble business. You should be ready to risk anywhere and anywhen to subdue top or to lose all. You've got a well-developed intuition and common sense.

2. For a successful promotion in hyip business you should have a good intuition and skill of precise analysis. Your experience and intuition should be a basis of your decisions. Your experience and opinion should have priority over the opinion of hyip forums participants etc. You and only you make a decision whether participate or not participate in this or that project.

3. You should be capable of taking experience from the latest mistakes.

Hyip is not intended for those who recedes after the first defeat. Hyip - a choice of strong people, able to make conclusions from their mistakes.

HYIP : first steps.

This part of the article is an array of advices for those people, who meet the requirements stated above and decide to take part in hyip business.

How to begin. You should take some knowledge before participation in hyip. You can get this knowledge by reading news on different forums, opinions of well-known people and professionals of this business. It is well-known, that's learning from mistakes of others is better than from your own. You should start only after your own close research of hyip business world.

Starting capital. A lot of hyip programs have too small start invest capital about $1-5. You should clearly understand that such a small sum of money can't be the foundation of real business. You'd better buy a beer for yourself than participate in hyip business with such money. You should start your learning with at least $100, expanding this amount till $1000, if you want to succeed. And you should remember that amount of your investments and possible loosing of them should not be fatally dangerous for you.

A variety of investments. Do not invest all of your money in any unique invest-project. You should have contributions in at least ten various projects, you'll have an opportunity to succeed. You should clearly understand, that always there is a high risk of half of these funds to be closed.

You should ensure the safety of your accounts if do not want to be plundered by hackers of various kinds, swindlers, etc. Do not forget to update anti-virus software and firewall programs on your machine. Only you can protect yourself from a robbery by hackers.

Life expectancy of hyip projects.

Any investment program chosen by you should be preliminary researched by you. You should estimate the time of its existence and starting your work on the project. You should know, that any of such investment projects has a certain term of life. The overwhelming majority of projects are financial pyramids, also known as ponzies. They pay you from the deposits of new investors for a period of time while new investments are larger than the total amount of payouts. If you try to participate in an old program, you will face a huge risk of getting in the bottom of such financial pyramid.

Stages of development. Any program has a certain life of expectancy. This life can be divided into some periods conditionally:

1. The opening of the program. This is the most successful time for investment. The program receives big investments, investors receive their interest and demand withdrawal quite seldom. Bankruptcy at this stage can be caused by admin's insincerity. He can decide and disappear with the money instead of continuing the work of the project. Such state of events can be determined by researching statistics of the program. Such project is a bankrupt if in statistics the huge quantity of investments in the beginning of the work of the project is specified. Also the project can become incapacitated, because a huge amount of money was spent on advertising campaign and website design.

2. The period of stability. It is the period of the most fruitful existence of the project, when the program develops, deposits grow, and the small quantity of withdrawals of money is made.

3. The end of existence. This stage comes, when the amount of inquiries about withdrawal reaches the sizes of the common capital of the project. Admin closes the project, leaving difference of investments and the withdrawn incomes to itself.

4. Sometimes project continues its existence. It is possible in that case if it's really the productive investment project or a commercial deceit by means of advertising. This stage is a logic end of activity of the project. You should o withdraw the money at this stage if it is still possible.

5. Extraordinary events.It may take place if the website of the project is attacked by hackers. The most probable consequence of this accident is complete bankruptcy of the project.

Types of hyip projects.

1. Short-term ponzies

It is a kind of programs promising up to 200% daily payment. Usually term of life of such programs is no longer than one or two weeks. It is very dangerous to invest in such projects, which are like "roulette." I strongly recommend not to participate in such programs.

2. Medium-term ponzies

Term of life of such programs may change from about two weeks to two months. They pay around 5-7 percent a day. This is the most dangerous kind of projects.

3. Long-term ponzies

It's the best way for your investments. The real period of existing of such programs is about five months, and some of the most successful can live till half a year. Their payments are about from 2-3 percent a day. So, you have a high possibility of returning your investments in a two-month term and earn some profit.

4. Extra-long term projects.

This type of projects can work a very long period of time, a whole year. They promise less than 25 % monthly. Nevertheless, it is a very dangerous kind of projects. You should put concerning the big deposit to receive the essential income in this case. The risk in this project is very high, so, participation in such projects is not your best way to earn the money.

Private programs.

When you start to participate in investment projects, you'll hear about so called private projects. Their admins admit that new members can participate in such programs only by the special invitation. It is not a VIP project as you think. It's a simple advertising attempt to get more investments from its old members. The unique feature of such projects is their quite high life expectancy. You should be very careful with such projects. Programs of such kind have too high possibility to be closed soon.

You should keep in mind that HYIP world has a lot fake programs. You should rely on your own experience and experience of professional investors. Pay attention to messages on hyip forums. It is important to monitor the admin's speeches - it is not very difficult to tell the truth from lie. For example, admin, most likely, say lies speaking about the use of investments on FOREX, because an overwhelming majority of such projects are only financial pyramids.

HYIP is an uneasy business, and administrators often escape with the invested money. You should clearly understand that there is no way to get back your loosed money. You should always remember it! You should know that there is no mechanism to control Internet payments. Rules of all HYIP projects say that the administrator is not responsible for your money and you are depositing them voluntarily. Practically it is impossible to start lawsuit against a dishonest admin of hyip project, but it's impossible to return your money. Even charges on police investigation will exceed the sum of your deposit. HYIP projects do not submit to any laws.

If you have decided to participate in HYIP business - I sincerely wish you good luck and be rich!

Written by Investor-Info.biz Admin December 22 2006 Investor-Info.biz. All rights reserved!

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Can You Make Money From HYIP

HYIP means "High Yield Investment Program". The world of HYIP is crazy, if you Google it, you can get a list of HYIP program which will promise you some very attractive investment returning, such as 200% or 110% profit per day, 180% profit per 10 days. Is it true, or are your money put in safety?

The answer is hard to be given, but one thing should be remember is: No one can keep on providing so high profit to you except God. All HYIP program are short term, since they promise high profit, it's very hard for them to keep the program ongoing. They say they invest your money on some very profit project, but which project can give you 2% profit or more per day continuously. The most common scenario is that they use the money of late joiner to pay off the early joiner's profit, and invest on something "definitely"(who know what they use the money for investment or gambling). When the program is hard to move, they begin to stop paying. But the program is still open, the person who invest to the program at that time will get nothing back and the person who haven't earn all their principal back will lost some money.

But there are still some long-run program which can last 1-2 year, and its really seldom. Most of them provide very low profit so that it can last longer.

Most of the HYIP program will require you to deposit the money to e-gold. The reason e-gold is widely used in HYIP is that e-gold won't verify the truth of the account. So, when people want to scam your money, even you know their account, you still don't who they are, e-Gold company doesn't know either since the information in their database are incorrect at the same time. Funny thing, you might think right now, e-gold has become the best method for scamming online.

Anyway, my suggestion is that when you invest on HYIP program, you should be very careful. You need to refer to some HYIP monitoring web-site to see whether this program is still paying. If not, don't consider to invest on it. If yes, you can spend a small amount of money to see how lucky you are. So, trust me, don't live on HYIP. Just treat it as something to test you lucky or not.

HYIP is not an option to make money online from my viewpoints, and if you want to learn how to earn money online, please refer to www.onlinemoneyclue.com, where you can get more guidelines about how to make real online money.

Reference:
Make Money Online and Live Online

The Investment Case For Gold

The investment case for gold centers on the notion that the over valuation and excessive supply of the US currency has funded a decade's worth of uneconomic investment and unsustainable consumption. According to Professor Robert Mundell, as recently quoted in The Wall Street Journal (WSJ) Europe “There will come a time when the pileup of international indebtedness makes reliance on the dollar as the world's only main currency untenable. It is no longer necessary or even healthy for the U.S. or the rest of the world to rely solely upon the dollar.”

The price of gold will rise as the dollar based system of credit and commerce falters under an overload of bad debt, weakening financial institutions, and a stagnant economy. The end of the NASDAQ mania marked the beginning of this process. The Enron bankruptcy, de facto default on sovereign debt by Argentina, and a looming financial crisis in Japan are random but high profile reminders of a deteriorating global credit environment. Turning points in long-term market trends rarely achieve completion within the confines of a single business cycle. The NASDAQ blowout was the noisiest and most visible sign of a turning point. Much more quiet has been the failure of the dollar price of gold to make a new low since August of 1999, a good six months before the Nasdaq peak.

A revaluation of the dollar, like a credit downgrade, will choke off the flow of capital destined to be misspent. Its principal manifestation is likely to be a substantially higher gold price. The revaluation of gold will be permanent, based on three factors, each representing time spans of different but overlapping durations.

The three factors are:

(1) The structure of the gold market, including the short positions, the annual flows of physical metal, and the economics of mine production, favors a price rise to $400 - $500. Current gold prices of around $280/oz. do not justify sufficient investment to maintain world gold production. Production is set to decline slowly in the current year and more precipitously in the years after.

(2) The deflationary climate prompts economic policies that lead to the increased issuance of dollars including rapid money growth and fiscal deficits. It will inspire protectionist measures, which effectively devalue dollars held offshore. It will lead to rising interest rates, inflation and weakening balance sheets.

(3) The metaphysics of gold, or market mythology and popular perception, have the potential to exert more influence than the other two factors combined. Market metaphysics change glacially over decades. They explain the vast swings in valuation as demonstrated by the chart depicting the Dow Jones average by the dollar price of an ounce of gold. These very long cycles in the public mood range from mania to depression. Imagine the opposite of the recent mania and you will picture the 1970's, even if you weren't there. The 1970's featured miniscule equity valuations, a cynical and apathetic public regard for investing, and distrust of financial institutions, political leadership, and currency.
source: http://www.hyipinvestment.com/article/the_investment_case_for_gold