HYIP Scam Sites

Most HYIP subject sites have a grow list of known HYIP scam sites. We would like to assume (without making an ass of u and me) that some HYIP enablers do not start out to be scammers and try their utmost to keep their promises. Unfortunately, most of them hit a wall after some time and go bust anyway.

Since the HYIP market started growing on the Internet around 2002, there are several THOUSAND HYIP sites that have come and gone. We are currently compiling a database of these sites and we will be making this available online soon.

Hereunder is a list of known scam sites and is compiled as a result of our own DIRECT experience. To avoid all ambiguous interpretation: we invested a small sum of money with them and the money disappeared immediately. No explanation given by the site, site owners not reachable, or traceable, period. That, to us, qualifies for the adjective “scammer”.

November 2008:

Louis Capital http://www.louis-capital.com
LR PM Funds http://www.lr-pm-funds.com
Trade Center Mark http://www.tradecenter-mark.com
Ino Fund Inc. http://www.inofundinc.com

December 2008:

Agave Invest http://www.agaveinvest.com
Great Trader http://www.http://greattrader.biz
Bluestones Capital http://www.bluestones-capital.com
Blue Bogart Funds http://www.blueborgartfunds.com
Might Trade http://www.mighttrade.com
Mania Trade http://www.maniatrade.com

January 2009

Safe Atom https://safeatom.com
BamaInvestment https://www.bamainvestment.net
Centasia http://centasiadevelopment.com
Eko Funds http://ekofunds.com

Ponzi Scheme Temptation. Why Are Ponzi Schemes So Hard To Resist?

Looking at both sides of the ponzi coin, on the face of it, ponzi schemes are hard to resist. Whether you are creating a ponzi scheme or participating in one, a pervasive feeling of omnipotence and endless possibilities will whip interested parties’ imagination into a frenzy. Why?

Your first reaction to a ponzi scheme proposal would be to think it is amazing, very clever and foolproof. On second thought, almost too good to be true. If you have been requested directly or indirectly to be discreet, that everybody will want in on it and that you have to decide right now, chances are you are embarking on a ponzi scheme.

Charles Ponzi was an Italian immigrant who discovered around 1920 that he could more than double his money by buying European International Postal Reply Coupons and swap these for American Post stamps, which he sold for cash. It was perfectly true and legal and it would have worked very nicely, had he not lost himself in his omnipotence frenzy.

The next thing he did was to shop around for funds.
Courtesy of Wikipedia

More on Wikipedia

Looking at Ponzi’s mugshot, one could easily imagine a Holywood producer considering George Clooney to play the lead role of a biographic film on the man’s life. He had looks, charm, deceptively friendly eyes and charisma, some key ingredients one needs to create a bond of instant trust with other people.

As always with easy money, greed was lurking around the corner. Ponzi quickly found people willing to lend him funds because he promised returns of 50% within 45 days. Word of mouth did the rest and it only took a couple of months for him to start reaping millions of dollars.

He was reckless from the start, not even bothering to keep books. A couple of false alarms should have confronted him with reality, but he kept everyone happy by paying his creditors with fresh incoming money until the day someone betrayed his scheme, which is when authorities jailed him.

These days ponzi schemes are a dime a dozen and the strategy still works like a charm. Hardly a week passes by without some or other story of a conviction involving a ponzi scheme being reported by the press. On the Internet, one of the more notorious would be the one involving AdSurfDaily - incorporated in Florida - from which 93 million dollars were seized by the state.

Urinvest review. Online HYIP Provider Urinvest Test Investment Report.

The HYIP market is growing and the number of HYIPS is steadily rising. Among hundreds of other opportunities, we stumbled upon URINVEST (Your Invest Net) and provoked the results of a test investment. It went rather well.

The eternal doubters want proof of investment, so the numbers for the test can be found on HyipSpace.com and these show a net yield of 0,65% per day. If one translates this into something more commonly understood, one has to report a staggering 237% yearly interest rate. Is this even possible? It appears to be.

Although some have already predicted the imminent failing of this online HYIP site, I would be inclined to be optimistic at my own risk and peril of course, because some signs indeed would tend to suggest the pessimists could be right.

Following Due Diligence rules obtained by experience of many investors, the contra indications would be:

a) The high % rule (Urinvest promises 1,60 to 4.50% daily), the rule states: 4% daily - usually goes with 50 days (TalkGold Forum) and Urinvest has been monitored by some for more than 150 days.

b) Pending failure announcement by a blog

c) All HYIP sites sooner or later fail

We hope we are wrong.

HYIP W-MT Fund Review. Due Diligence Report For Online HYIP W-MT Fund.

This report could be read as a “print-screen” picture, or an “as is” interpretation of a situation at a specific moment in time due to the fact that HYIPS are constantly fighting the uphill battle of trying to reconcile market reality with client expectations.

W-MT Funds has an original approach: they do not promise a fixed return. This gives them some wiggle room when trying to rise to customers’ expectations.

At the writing of this report on february 2, 2009, WM-T Funds has been flagged by “DEATHWATCH”, a blog claiming to have compiled a set of guidelines allowing them to predict with reasonable probability when a HYIP is about to fail investors.

What I liked about deathwatch is that their 15th January 2009 list was right about “No Risk Investment” (we lost our principal there) and “Youmilex” (we also lost our principal there) and wrong in the case of Olympex (we got paid and got out) and Urinvest (we got paid and got out), which proves out premise that HYIP investing is equally safe as gambling.

In this case, the odds are at 50%, or the same as coin flipping.

Goldpoll also has W-MT Fund on “waiting” status, while HYIPbanker has W-MT Funds set at “paying”. There are some indicators that should encourage prospective investors to be extra careful when considering investing here.

For one, when one opens the “Opera” web browser to log on to the W-MT Funds site, Opera sends a warning that the site certificate does not match. That is an important change, as this was not the case previously, which means that something fundamental has changed at site management level.

Customers with an invested principal could have been warned with a simple email.

At Hyip.com W-MT is reported “paying” and a message from admin mentions that the site is under maintenance. We have requested a withdrawal today as mentioned on the site and are awaiting the payout scheduled on Tuesday. At the finalizing of this report on Wednesday, February 4th, 2009 we can confirm that W-MT Fund has indeed honored the withdrawal request.

Remember one of the early GoldTalk forum due diligence rules? One of those states that: “variable% usually goes with 6 months to one year”

We hope and pray W-MT Fund, who keeps principals for 26 weeks, will continue to do well and prove all pessimists wrong.

Online HYIPS? Hyip Online Investing Explained In 10 Bulletpoints.

1. HYIP is the acronym for High Yield Investment Plans.
2. It is a term that was invented by bankers for super rich clients, but it is less used by bankers today.
3. Today HYIP is popular on the Internet as a means for investing small sums through the internet while hoping for extraordinarily high returns.
4. Most HYIP sites fail sooner than later.
5. About half of HYIP sites are scammers trying to steal your money.
6. From the 50% that are left, only about two in ten are professional endeavors. The rest are people learning about the business or agents recruiting for bigger organizations, mostly forex businesses canvassing for clients with money to invest.
7. The last seven years alone, more than 11 000 HYIP sites were started and went bankrupt.
8. The HYIP sites community is not self-regulated.
9. Money can be made with HYIP investing, but one has to be very, very careful about it and be prepared to lose.
10. Investing in HYIPS can be done with virtual money, or eCurrency.

What Exactly is an Investment Club?

The concept of Investment clubs has been around for many years and there are literally thousands of these clubs scattered across the nation. There are many of these clubs, which are actively trading today and do so with a reasonable rate of success.

These types of clubs exist in the United States and many other countries around the world. You have likely heard of this sort of club where friends gather on a regular weekly basis to discuss their strategies and their stock picks for the upcoming trade. Possibly you may have even thought about joining and becoming a member of one of these clubs yourself, but really were unsure of the process.

Generally these clubs are run by a group of friendly investors who like to learn about the stock market and in testing in general with a group of fellow investors whom are enjoyable to be around socially. Normally the group meets on a weekly basis, and sometimes the actual meeting is held at one of the members home. All the members will rotate whose home they will meet at so that everyone has an opportunity to host the investment group in their home.

Typically investment meetings are kept as an informal as possible, however real business is discussed and taken care of during these meetings. Most groups are comprised of 10 to 15 members and will either meet weekly, biweekly or on monthly basis. There are some investment clubs that have even started with a onetime physical meeting, and then communicated thereafter with Online. Members can have a meeting and never even leave the comfort of their home.

This is an ideal solution since many of these investment groups have working mothers who are work-at-home Moms as the primary members. With the group meeting Online, it allows for the group members to be home and still carry on the club business. Peoples time is more effective in this way.

Maybe you believe that investment clubs are a way to get rich quick, then you do not fully understand the function of these groups. A normal club will make a group stock purchase and a hold on to it for a number of years before deciding to liquidate the stock. All stock purchases are carefully considered and well researched by the members. Once a club has been established they rarely allow any new members to come into the club, and will only allow a new member should one member leave the group.

On the basis that you have been thinking about getting into the stock market and trying your hand at trading stocks and bonds, then maybe an investment club would be the right ticket for you to begin trading experience. Not only will you learn a wealth of knowledge about the subject of stocks and trading, you get to mix with people that you like and will appreciate the overall experience.

More on the Four-Bar Variation of the Evening Star Candlestick Pattern

One of the outstanding attributes of Japanese Candlestick financial price reporting is its quite uncanny ability - most of the time, but not all the time - to accurately predict major changes in the direction of price trend. Some Candlestick formations are deemed to be complete with a single price bar; some are complete with two; and some with three or even four.

The "Bearish Engulfing" pattern is one of my favorites. It is quickly spotted when it appears, and very often it is right on target in calling a reversal. The classic Bearish Engulfing pattern is a three-bar formation, and is seen at the top end of an extended advance in prices. It is characterized by a tall white candle as the first bar, indicating that prices advanced during the time period which the bar represents. The second bar of the three will display tight price disparity between the opening price and the closing price (the "real body") and is located above the real body of the first bar. That second bar is the "Star" of the Evening Star pattern. The third bar will be a tall black candle, indicating a meaningful decline in prices from those of the Star. The entire construction is considered bearish.

My particular thesis has to do with a Four-Bar Variation on the Evening Star, which is a pattern not recognized in the literature as a separate pattern, or even as a Candlestick pattern at all. I respectfully maintain otherwise, because it appears relatively frequently and seems to possess the same reversal predictive capacity as does the classic Evening Star. I know that I watch for it all the time, because in my experience it has proven to be worthwhile to pay attention to it.

In a typical four-bar variation of the Evening Star, it will be identified as such if it appears only at the top end of a lengthy price advance, just as in the classic version. Likewise, the first bar will be "classic" in that it will be a tall white candle. The next part makes the difference: instead of a single Star between the tall white candle and the tall black candle, there will instead be two Stars, the closing prices of which will most likely be higher than the closing price of the tall white candle and the price ranges of which will be constrained between opening and closing - that is, they will have small "real bodies" - just as in the classic version. The fourth bar will be a tall black Candle, indicating a substantial fall in prices, exactly like the third bar in the classic.

To my mind, the two small Stars (being the second and third bars) only add to the potential power of the pattern, in that for two days in a row, not just one, investors try to drive prices higher but their effort results only in indecision. The pressure for a downturn (or the lessening of pressure for continued price rise) has been building one day longer; and when the turn comes, it seems to have the potential, at least, of greater force to drive prices lower.

A good recent example of this Four-bar Variation of the Evening Star occurred in the Russell 2000 Index on October 31 and November 3, 4, and 5, 2008. The pattern is as I've described it: first, it occurred at the top end of a long price advance; second, a tall white bar emerged, which was followed by two small stars, both exhibiting higher closing prices than the first bar; and the pattern was completed by a tall black bar signifying a substantial decline in prices. The decline from the top price of the second Star to the bottom of the subsequent tall black Candle was 166.44 points. On a closing-to-closing basis, the decline was 29.4%, accomplished over a 12-day trading period.

The long and short of it is that this Four-bar Variation of the Evening Star Candlestick Pattern appears to have the same predictive price-reversal capacity as the classic three-bar pattern - possibly more so. I submit that it deserves recognition as a legitimate variation of a classic Japanese Candlestick pattern.

Why is Everyone Talking About Kiva?

My son came home from work yesterday and was going on and on about this new Entrepreneurial website called Kiva. He thought it was genius, pure genius. (He's 19). He explained that it allows individuals to make loans to entrepreneurs in developing countries which they can use to start up or continue their small businesses. I entered my car today and switched on the XM Satellite radio and there on the NPR station was an interview being played with Matt Flannery, Co-founder of Kiva. Hmmm, coincidence or not?

Kevin, along with his wife, Jessica, fought against a lot of naysayers in 2005 to get his site started. Friends said it just wouldn't work. An attorney told him it was illegal to give money to people in third world countries and then have them mail their loan payment back. So, Kevin researched the case law and policy on this topic, but could not find anything illegal about it. Venture capitalists did not see how anyone could make enough money on this type of deal. Foundations would not support the idea because it did not appear to be charity but instead, a type of commerce.

Kevin and Jessica went ahead with their plans for the site. Today, Kiva is one of the hottest sites on the web. When you visit, you can look up struggling business owners around the world and see their pictures. They receive recommendations by other Kiva uses. You are able to read their profile and decide if their business is something you would like to support. A tally shows how much money they need and how much they have received to date. You can start teams among your friends/family to give as a group. Team tallies are also displayed on the site.

Some loaners have even gone as far as visiting the Kiva entrepreneurs they have loaned money to. The site has been featured in every major magazine and many news shows. (Where have I been?) This site is hot because it lets a loaner feel like they are really helping a specific person. You actually feel like you are forging a connection with someone in Senegal, Peru, or the Ukraine. For example, Justina, Ayacucho, Peru is 48 years old and married with five children.

he sells potatoes from a stand in the Las Americas market, she also travels to regional fairs to sell clothing and buy grains. She is requesting a loan of $275 to buy more potatoes. As of today she has received $75. You can see her picture on line. She is just one of thousands of individuals affiliated with the site. You do not get this same kind of feeling when you donate to a big charity. You just don't. Check out the site. This is an amazing "Feel Good" site. You'll be talking about it, too. Very cool!

Assets, Owning Them the Wrong Way

Most of us have been taught that a dollar saved is a dollar earned. The use of coupons can save families quite a few dollars a year and add up to something substantial if invested properly.
This brings me to my point. Retirees own many of there assets like there home, and bank accounts in joint tenancy with sole right of survivorship. While this is a simple way to own assets. It could be a huge mistake if:

Your marriage goes down the tubes, your bank accounts could be cleaned out.

If one of you has a liability problem you both could lose everything.

I am not saying this is going to happen, I am saying review your situation.

One of the biggest ways retirees jeopardize their assets is by putting them in joint ownership with the kids. I know most people want to avoid the fees of going through probate which could save them thousands of dollars. When you think about it from the kids point of view putting their name of a valuable asset is a no-brainer. The problem could come when a kid runs into financial difficulty.

Creditors will get an opportunity to take this jointly owned asset from you to settle the debts. Yes it could all be gone.

Changing the registration of ownership to include the kids will trigger what is called a deemed disposition. In other words even though you did not sell the security the government will have considered you to have sold it and tax you on the capital gains.

You have to look at the way you own your assets in context of your whole financial situation. Asset ownership is a serious yet often overlooked area that can turn into a gigantic mistake that can jeopardize your retirement finances.

Gold Coins Make Great Investments For More Than Just Collectors

The value of the dollar is dropping, but gold continues to hold steady and even increase slightly in value. All this amidst some of the worst times the American economy has seen in many years. With the future of the economy in question, it seems like the perfect time for many to begin buying gold coins.

These coins have been popular with collectors for a long time, but today they are also seen as a way to protect one's savings. Adding gold to an investment portfolio is a very good idea, especially now.

The reasons for adding gold to your portfolio are numerous. Gold is one of the oldest forms of money, dating back thousands of years. It is a stable, tangible item, which means that it will be able to retain or increase in value. Another reason that people should add gold coins to their portfolio is that they are easy to obtain. They are also practical.

Another great thing about the coins is that they are quite easy to sell. Because of the ability of gold to retain and increase in value, you won't have trouble getting your money's worth when the time to sell comes. In addition, it is easy to determine the value of your coins at any time because the price of gold is tracked on the open market.

While the value of the gold itself is easy to monitor, one of the great things about coins is that they can be worth more than the gold they are made of simply because they are rare.

With all of the benefits that gold coins offer to the investor, it is easy to see just why they are so popular with investors. With the current state of the economy, it might just be a good time to start gathering coins.

Long Term Investing As an Optimist

It does pay to be a long-term optimist as I am. The easiest way to show the importance of staying invested is with the Rule of 72, which illustrates how compounding builds long-term wealth. To see how many years it will take to double your money at any compound growth rate, just divide 72 by that rate. Assuming a 7% compounding rate, your money will roughly double in 10 years. Over 50 years, you will have five doubles -with the last 20 years being the most important doubling points because you are working with a greater principal amount.

For example, $1 million compounding at 7% will grow to almost $32 million ($29.46 to be exact) in 50 years. In the first decade your money will double from $1 million to $2 million, in the second decade from $2 million to $4 million and in the third decade from $4 million to $8 million. Then it starts to get really interesting because the dollar amounts you are doubling are so much greater. In the fourth decade your money will double from $8 million to $16 million and in the fifth decade from $16 million to $32 million. If you can compound your money at 14%, then your $1 million will grow to more than $700 million in 50 years. In such case, your money will double about twice as fast- about every five years, not every 10 years- and so you will have almost 10 doubles over a 50-year period. This is why it is so important to stay invested.

Here are some of the best investment minds in the country offering their wisdom and insights on the issues confronting all investors:

-"Diversification is an established tenet for conservative investment." Benjamin Graham

-"To refer to a personal taste of mine, I am going to buy hamburgers the rest of my life. When hamburgers go down in price, we sing the "Hallelujah Chorus" in the Buffett household. When hamburgers go up, we weep. For most people, it is the same way with everything in life they will be buying -except stocks. When stocks go down and you can get more for your money, people don't like them anymore." Warren Buffett

-"Far more money has been lost by investors preparing for corrections or trying to anticipate corrections than has been lost in corrections themselves." Peter Lynch, former Fidelity Magellan Fund manager.

-"Your success in investing will depend in part on your character and guts, and in part on your ability to realize at the height of ebullience and the depth of despair alike that this too shall pass." John Bogle, Chairman of Vanguard.

Many people are disappointed with investing over the last year. Even if equities deliver long-term returns in the mid single digits as they have in the last decade building a solid long term investment portfolio is still possible. From the quotes above, you can see that you must invest for the long term- that is a minimum of 10 years or more. Focus on the Rule of 72 and the stick with your plan and successful results are sure to follow no matter what the economy does.

HYIP Investments - Right Way to Earn a Million

Just about everyone would love to get rich quick, but finding a way to do so is not always easy. One way of earning a lot of money in a short time is through a hyip program. Hyip is short for high yield investment program and it basically does what the name says. A hyip investment will generally bring a much higher return on money invested than what is considered to be a usual rate.

Of course not every hyip program is good and there are some that are more legitimate than others. Finding the best hyip is not always an easy task and in order to do so you will need to do a lot of research on the company before making the final decision to invest money. However, it must also be kept in mind that luck and work on your part may also play a big role in how successful your hyip investment will end up being.

Another way of determining the best hyip is to read their terms of service and understand what they promise and to see if it is something that is feasible. Reading various forums on hyip is also a good thing to do before actually putting money into a certain program. There are often reviews of the hyip available now and many will tell you what they think is the best hyip to join. Since these writers have firsthand experience with the programs you have an even better chance of making the right investment.

A hyip monitor can also be a great help when trying to get the most out of a hyip investment. Going to a hyip monitor website can give you an idea of which hyip are the best available. You may also find a new hyip program that seems promising and if you get in fast, you can even increase the return on your investment. A hyip monitor is not just good for finding a potentially good program, but also to promote them. By creating your own hyip monitoring website you can advertise for the programs you are already a part of and by doing so will also gain referrals.
A good hyip investment can make you a lot of money, but since there are so many programs available you will have to think things through carefully before taking action. Taking the time to learn about a particular hyip program is not wasted since you will soon see a profit.

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Risk of Online investment

First and foremost you must understand that the reward is directly proportionate to the risk. That is what speculation is all about; you cannot expect to make a substantial return if you are not prepared to accept a certain amount of risk. Any experienced financial speculator will tell you that successful speculation involves being able to quantify risk. The amount of risk attached to any particular HYIP, is for the most part, unquantifiable.
Many of the genuine small Internet based HYIP's are considered high risk, as they are not particularly well thought out programs, often with no sound methodology from which to generate returns. They receive thousands of small deposits from participants, which only adds to the problem. The larger specialist programs, many of which are not plugged on the Internet, can be much safer in many respects, as they are usually run by professional traders who know how to generate returns using sound trading methods. They keep a low profile due to the risk of interference by some authorities, but this does not mean that they are not genuine investment programs.

There is yet another type of HYIP trading program which allows you to set up your own offshore company and a bank account, the funds are then traded through this account, but the program administrator and/or trader never has any kind of access to your funds, he/she only has the authority to place the trades on the account. This method of funding is without a doubt the safest that is available to the HYIP investor. The only risk is that which is attached to the trading method used to generate the returns, although most professional traders will operate with specific risk parameters in mind.

The program administrators should also be forthcoming about how they intend to generate the quoted returns. You should be extremely wary dealing with any HYIP that refuses to disclose details about their system, after all they are asking you to show good faith in them by investing your hard earned money, so they should at least be willing to tell you how they intend to generate the quoted returns. Once you know how a program works, you are in a much better position to be able to assess the viability of that program. For example there is one HYIP that claims very high returns from investing in domain names. This type of HYIP might have been feasible a few years ago, but is highly unlikely to be profitable these days. There have been many high profile court rulings against domain name speculators over the last few years, and registering domain names is hardly an area that requires specialist knowledge and expertise.

As a rule the larger the sum of the investment the safer the program is likely to be, assuming that you are afforded adequate capital security. The frauds are usually the ones that request small investments and membership fees, as well as offering referral fee arrangements. Programs operating in this manner can draw in a greater number of participants in a short time before shutting down. The larger programs tend to be much more professional, with their focus on making steady returns for investors and taking a small part of those returns as their profit. Most of the larger programs also appear to understand the need for frequent client communications, which is often an area of complaint amongst many of the smaller HYIP's. Usually your only source of regular information is the HYIP website (assuming they have one), and in many cases these websites are not updated as frequently as they should be.

Rules in HYIP

The Analysis and a Choice of HYIP Programs
While choosing a HYIP program you should follow the following rules.
Rule Number 1
Never put all your money into one small hyip program, regardless of how good it looks, or how great you have been told the program is, especially if the only means of communication with them is via anonymous email. These programs if they have a website will usually have a free website from Homestead, Tri-pod, Geo-Cities, etc. This goes for almost all of the frauds, but can also apply to very professional looking websites that give you virtually no contact point information. If you intend to invest a large sum, then you should always make sure that the program in question offers some sort of capital security. In this case, you should also try to arrange a tete-a-tete meeting with the principals. If you have an up line sponsor, ask them if they have this information.
Rule Number 2
Carry out as much due diligence as possible on that particular hyip program. If you are coming in with $1 million, you will be able to satisfy yourself about legitimacy with irrefutable proof, because you will be dealing directly with the principals. Usually an investor with $100,000 can secure a program utilizing a sole signatory account, through an offshore trading structure, and be privy to more info, but this situation is not always the norm. As for the rest of you? Forget it.

There are no public registries, no BBB listings, no bankers or brokers who will confirm anything. For the small investor, this business is based on trust and personal relationships: you know me, I know 'A', 'A' knows 'B', who works with manager 'C', who knows the trade facilitator 'D, etc. You can only do the best you can with the information that is available on that program. Do not contact any regulatory authorities to see if any complaints have been made, as this may simply result in an otherwise sound program being shut down. Use the forums that are listed in the appendices to gather as much info as you can and make an educated decision. What you are looking for is impartial advice, which unfortunately is hard to find on the HYIP forums, although the Speculator Pro website is completely impartial, so make good use of it.
Rule Number 3
Once again do not put all your eggs in one basket when it comes to the smaller Internet based HYIP's. You should diversify by placing a portion of your investment capital into many different programs so if one venture goes sour you still have the others intact to produce income. Many small programs will close down. Funding two to three small hyip programs with large amounts is suicide. Focus on the overall plan, not on a program or two, unless you have found a single large hyip program that offers a good return coupled with capital security. Build your smaller hyip program list up to no less then ten, it may take time, but this is the correct way to go about investing in small Internet HYIP's. If you want to achieve a lot of success, get your mind off the investments you are in, and get focused on your plan. Your ultimate goal is to eventually fund 15-20 paying programs, as soon as some pay out you can widen your program list. Concentrate on the plan not the programs.
Rule Number 4
With the smaller programs, you should aim to recoup your seed money from any one venture as soon as possible. Take your seed money back when you reach 2-1 or 3-1. Remain invested with their money and not yours from that point on. Too many small programs start out fine, we get comfortable with them and start putting extra money in before the returns from the last cycle come back, and then they fail. Do not reinvest more money before you have been paid back, no matter how long it takes. A good rule to follow is to take your original capital back as soon as possible and only keep reinvesting half of the payout proceeds on each cycle.
Rule Number 5
Do not let large amounts accumulate in small programs; take smaller profits often. Even from the most stable smaller programs, take funds back often. Taking small amounts of profit along the way versus letting a larger amount accumulate before a program goes sour will allow you to see a profit instead of missing out on what you thought you had.
Rule Number 6
Do not jump into new programs right away. Truth is many hyip investment programs never make it through launch. Why would you waste your time promoting a program that had a month or two to go before you could ever sign someone up for it, assuming of course that the program even remains on schedule.

If it is good this week, it will be good next week or three months from now. Let the program establish a payout history with good customer service before investing money with them. With some exceptions, we do not join new programs right off the bat. If they are still around in another month and everyone who is participating is happy with the program, then it's time to take another look at it.
Rule Number 7
Do not jump the gun and start screaming swindle if a program experiences some problems early on. Allow some time for the administrative end to catch up with the trading and sign-ups, as enrolments escalate. Most programs with small administrative teams have no concept of how many people can enter a program in the early stages. It does not take long to get in a real pickle admin wise.

E-currencies

E-Currencies are a digital currency that you can use on the internet to buy and sell goods, services and other things. It is exactly the same as normal money, but in a digital form. Why do people use electronic currencies such as e-gold, netpay, evocash and others for investments? The answer is obvious, electronic money is easy to use and to transfer. It is easy to manipulate by investors and administrators of HYIP programs to direct it to the most perspective direction. Thus electronic money is widely spread in the Internet. It is much more difficult to lose, when you trust scammer, who will try to withdraw a code of your credit card or the password from an account with electronic money, i.e. electronic money are used for calculations only through a site of the system and there are no other processings. Thus it is easy enough to transfer money from one system to another. And one more advantage is the anonymity that provides over any other currency because all you are is a number. You don't have to provide any contact details if you don't want.

Use the following currencies while working in HYIPs
- http://www.e-gold.com/
- http://www.netpay.tv/
- http://www.e-bullion.com/
- http://www.StormPay.com
- http://www.Pecunix.com

Each of them has the advantages due to which it has become wide spread.

Funding your e-Currency account is very easy. You can use a bank wire, money order, use your credit card or send a cheque. Your account will usually be funded within 48 hours.

Choosing the right exchanger is crucial as there are many scams out there. Recommended exchangers are:
http://www.x-Changers.com
http://www.PayByGold.com
http://www.Gold-Trader.com
http://www.LondonGoldExchange.com
http://www.cashchange.com
http://www.incrementalgold.com/
http://www.EmoCorp.com

How To Use E Gold ?

Now that you have learnt quite a bit about virtual currencies,its time to actually work with one!
As for our purpose we will consider only Egold because in most HYIP investments Egold is the preferred currency used for investing.And also Egold is the oldest and largest e-currency available today.
Moving towards the first step,you need to open an egold account to use it. Opening Egold account is absolutely free of any charge and available worldwide In order to open an online account ,go to the official website of Egold(www.e-gold.com) and click on new account link..You will be taken to its account opening page.Just fill up all the required fields and set your passphrase(or in other words set your password)The passphrase should be around 10 characters long and for safety use both numeric & alphanumeric digits..This passphrase is a very secret number and you must not share it with anybody.And another thing,Egold does not send your passphrase in welcome email.So try to keep a copy of your passphrase in a safe place immediately when you set it,or else you may forget the passphrase and will not be able to access your account.
You can open multiple accounts with egold but provide valid information during opening your accounts.After signing up for a new account Egold will send a email (at the email id provided during registration) containing Egold account number.You will have to use this account number during all transactions.Keep your account number secret(it is just like your credit card number!)
After opening account you will need to fund it so as to make any investments/payments. Egold does not accept any direct currency deposits to fund client’s account.In order to fund account,take the help of third party exchange services. Transctions with digital currency exchangers is usually carried out by wire transfer, credit card, postal transfer, Western Union or check. It is important to use best and reliable e-currency exchangers to buy e-gold and fund you accounts.Funding may also occur by exchanging other e-currencies like EVOcash, netpay and paypal into E-gold.Charges may be around 3-5% for trading in dollars trough a wire transfer. If you rather like to use your credit card you should be prepared to pay higher fees.To find a good exchanger just make a research on google or look into forums.Make sure that the exchanger is a reliable one.
After funding egold account you are ready to make transactions.In order to make an investment you will need the account number to which you need to make payment to.In HYIPs there will usually be a payment button which will redirect to E-gold website.In such cases you will have to enter your account number and login with passphrase.Then send the required amount to the account number of the HYIP owner.There is no fee for sending money.
Receiving money is automatic.Whenever somebody makes a payment to you ,it is funded in your account number instantly.Just login into account with passphrase and look in the account balance link.It will contain how much egold is present in your account.In the transactions history tab you can find information about all payments received or sent.
There is a fee of 1%(maximum0.5$) in order to receive payments & a maintenance fee of 1% of the mean day balance per year.
Next move on to read our article on enhancing security measures while using your Egold account.

The Concept Of Test Spend In HYIP Investment

Test spend is a wonderful concept that you must understand and practise while making any HYIP investments.So lets begin this discussion on understanding test spend:
What is Test Spend? Test spend can be explained as a small initial deposit made in a new HYIP to assertain its viability.
What is its importance? Test spend is a very useful method to determine whether any HYIP is good or not.Whenever you come across any new HYIP then the first deposit should be a test deposit to see how the HYIP is working and deduce a conclusion about it.Since a HYIP is new,you probably don't know whether it is a paying or a scam programme.So making a test spend can tell you the reality of the HYIP.If the HYIP is genuine then you will most probably get all the promised interests and customer service with the test spend.If all goes right then you can move further to making your real investment and reap the products.This step of making test spend assures that the programme is paying at the current time.
And if the HYIP is a scam then you will not get your returns.So don't make any further investments.Thus you are also prevented from being scammed of a larger amount(the larger amount you had initially planned to invest in this particular HYIP)
What to expect from a test spend? Basically if the HYIP is genuine then you must expect 100% customer support,total(& timely!) interest returns,and any other facilities that the particular HYIP may promise to its investors.
What things to monitor after making a test spend? It is very important to monitor all returns after a test spend.Look for the following:
-Is the HYIP giving back your interests?If so then is the payment made at right time?If the HYIP's payment system is automatic then you must be getting your returns without requesting for it.If the payment is manual,then once(or more times) request for your interest and see if the
payment is actually being made.Many times the payment is not made at all (in both automatic or manual methods).It is best to avoid further investing in it.In some cases the HYIP may declare that it is not able to make payments due to some genuinr problems and would soon resume payments.In such cases wait till the specified time and see if the payments have begun..Most of the cases such HYIPs make false claims about not being able to make payments due to some reason but still continue receiving investments and then scam away!So you must not invest more till you are fully sure that the HYIP has started paying regularly.
-Next thing to monitor is their customer care service.See if they make prompt replies to your querries.Also some HYIps offer free online chat with the website administrators.Try to use it and see if its working!
Where to use test spend? It is usually advised that you make test spends only on HYIPs in which you intend to make large investments(say more than 100$)
How much to test spend? The test spend should be always minimum.Thus invest only that much amount which can be accepted according to the particular HYIP's policies on minimum investment.
How much time to monitor? You should monitor atleast one week or more as per the situation and the particular HYIP's payment schedule.

How To Earn Full Time Income With HYIPs

Its very possible to earn a full time income through HYIPs.But this is largely not recommended because-
HYIP returns are very unpredictable.If you lose all your money,you cannot get it back because it is difficult to trace the scammer.Even egold authorities cannot help you with that .If a case is filed in the court then legal proceedings usually take a long time for verdict & by that time your lawyer fees would have been more than the amount you claimed for!
Investing in HYIPs is like investing in gambling.You never know when you lose,thus there can never be peace of mind or job satisfaction.
And I think there is a little population who actually make full time earning through HYIPs(most of them are HYIP monitoring/HYIP related website owners and the rest few are those whom you see in forums as active senior posters)
Therefore I suggest that you keep HYIP investing as a part-time income source only

Recovery Chances Of Your Investment

Unfortunately there is no back-up if ever you get scammed.This is mainly because of the system flaw.Let me explain this in detail
Now supposing that you invest some amount in a HYIP and after sometime you suddenly discover that you have been scammed of your money.You would probably straightway make a complain to egold authorities about this stolen money and request either a pay back from the HYIP owners account or ask for the HYIP owner’s personal contact information from their records to enforce legal proceedings.But both in vain,egold can’t help you in either of these matters.
If you had made a large investment say a few thousand dollars) then you would probably file a case in court against the HYIP owner.But from where do you find the scammer,because he might have provided with all false contact information!Next,you have to wait for a long period(over a year) to get verdict from court.And by that time the lawyer fees would have been mor than the amount for which you claimed for!
So it is always best said-
“Don’t invest what you can’t afford to lose”