Basic Hyip Web Site

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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