The Nature Of High Yield Investment Programs (HYIPs)

The Nature Of High Yield Investment Programs (HYIPs)
By M. G. Matally

"What really is an HYIP?", or "What is an HYIP really like?" How you answer that question can determine how successful you will be in the online world of high yield investing. There are at least six different answers to the question about the true nature of a high yield investment program (HYIP).

1. Investment. After all, HYIP stands for High Yield Investment Program. Yes, but an HYIP is not a real investment, because unlike a true investor, the hyiper rarely knows in what wealth-building instrument his money is.

2. Scam. This is certainly true of some HYIPs, but not all HYIPs are run by geek thieves.

3. Ponzi Scheme. It is estimated that at least 90% of HYIPs are ponzis. In an HYIP ponzi, the operator uses money from previous depositors to pay current or later depositors.

4. Gambling. This is the opinion of those who either despise HYIPs or have lost money to HYIPs. There is some truth to this, but in that sense, hyipers are as much gamblers as day traders.

5. A Money Game. An HYIP is a game in that there are certain rules of the game that can give an informed player the edge, if she will first invest the time to learn before she can earn. But once you learn the basic rules, this money game can be as much fun as it can be lucrative.

6. A Loan Program. That's what I prefer to call the 10% of HYIPs that are genuine. When you deposit funds into an HYIP, you are in effect lending money to someone, who is promising to pay you interest on your loan. You are the lender or creditor, and the operator of the HYIP is the borrower.

This borrower can do whatever he wants with your money. The borrower (HYIP operator) may use your money to trade the stock market, penny stocks, the foreign exchange (forex) market, or even e-currency. The only thing that matters to you is that

(a) the borrower pays you an interest on the principal amount you loaned him

(b) he returns your principal at the end of the term of the loan.

In the lending industry, the likelihood of a borrower repaying you depends on the honesty and financial situation of the borrower. When you lend someone money, there can be no guarantee that you will get repaid. In effect, your deposit to the HYIP is not just a loan, it is an unsecured loan; the borrower puts up no collateral that you can claim and sell if he defaults on the loan.

Compared to other lenders, you have another disadvantage in this credit business: there are no collections department, collections company or credit reporting agencies to report the deadbeat to! In fact, most often there is no loan contract between lender (you) and borrower (the HYIP).

Therefore, if you decide to be a hyiper, you must, like your fellow creditors (banks, etc), learn how to write off bad debts (HYIPs that don't return your funds). Otherwise, you will find yourself 'closing store' or calling lawyers.

Actually going to court against HYIPs will you cost you more in time, emotional currency, and money than the HYIP game itself. Imagine a bank taking every bad borrower to court!

That's why it is absolutely crucial for you to find a way to screen each potential borrower (HYIP) as much as a bank, Master Card, Visa, or a store will screen someone who applies for a loan, credit card, or line of credit.

Luckily, for those who really want to profit in this arena, there are few tools available online for screening and grading HYIPs to find those honest borrowers.

http://mogama.com Article Source: http://EzineArticles.com/?expert=M._G._Matally

The Nature Of High Yield Investment Programs (HYIPs)
By M. G. Matally

Stop Losing Money on Scams, Earn with Real HYIPs

Stop Losing Money on Scams, Earn with Real HYIPs
By Michael Goldman

If you are reading this article the chances are that you have already tried to invest in HYIPs (High Yield Investing Programs usually pay you around 1%-6% daily of your investment) and eventually lost some money.

Everyone loses money when investing in HYIP for the first time, but should it be that way? Can you earn money with HYIPs?

I've been investing in HYIPs for over 2 years and at first, of course, I lost a lot of money too, but I didn't give up and started to learn HYIPs, to find out how they work.

I was learning to find the Real HYIP programs, to choose the right ones, whose, which will pay me. During that time I absorbed all the information I could find on HYIPs and also my investing experience and I was a good student.

In fact only few months later I was an expert in HYIP investing, now I can predict with a high degree of certainty which High Yield Investing Program will last enough to let me earn and which will not.

So, yes, I earn money by playing HYIPs! Of course, as no one is perfect, I also lose sometimes, but my gains are bigger and much more often. I split my investments between few good programs, I don't invest much in any of them, but I invest mostly in more reliable programs. I choose all programs I invest in very wisely and perform my own due diligence on each one of them.

How you can earn with HYIPs? Here are few simple, yet most valuable, guidelines for you to help make money with HYIPs:

1. First You need to understand the risks. The first gold rule of online investment is "don't invest more than you can afford to lose". Be prepared to make mistakes and learn from them.

2. Don't think HYIP investment will solve all you financial problems, pay all your debts first. Don't think of HYIP investing as a job, but merely a second income.

3. Study HYIPs. Join the 3 biggest HYIP forums: TalkGold.com, GoldenTalk.com and HYIPDiscussion.com. Forums usually are the best source of reliable information directly from other investors, like you. Pay more attention to posts made by more experienced members - they know what they are talking about. Never spam forums - don't post any referral links in your posts unless the forum rules allow that.

You will only be banned for spamming.
Read HYIP articles and reviews, don't trust much to HYIP monitoring and rating sites.
Pay more attention to HYIP articles, they are written by senior investors and reflect thwir experience.

4. Always perform your own due diligence before investing in a HYIP. This game is cruel and you can't trust anybody, but yourself. To find information about HYIP program owners use whois.sc. Search in google for " scam" - look for negative posts, beacause people usually post if they get scammed.

5. Try to invest more in Real HYIPs. While over 99% of all HYIPs are ponzi schemes (don't get it wrong - you can earn with ponzies too, but the risk is much higher), there are few real trading programs.

Real HYIPs invest your money in FOREX, offshore trading or commodities and their daily or monthly interest is usually low, near 1% daily or less. Real HYIPs usually have unique site design, disclosed information about authors and good payout history.

Current best HYIP is FeederFund, you won't find any single post in a forum, claiming FeederFund is a scam.

6. Use smart investing strategy. Best strategy is to split your investments as much as possible. Invest most of your money in Real HYIPs with low interest and high credibility.

7. The second gold rule of HYIP investing is "If something seems to good to be true, it usually is". Don't trust to programs promising extremely high returns and referral comissions. Stick to the most reliable programs and you will succeed!

I believe in your success, now it's your time to belive in yourself and stop losing money on scams.
Learn and Earn!

Michael Goldman is a top expert and consaltant in HYIP investments. He opertates few sites that provide reliable free information about HYIPs: HYIP Articles and Reviews [http://hyip.mikeinvest.com] and Best HYIP

Article Source: http://EzineArticles.com/?expert=Michael_Goldman

Stop Losing Money on Scams, Earn with Real HYIPs
By Michael Goldman

HYIP Investments - Right Way to Earn a Million

HYIP Investments - Right Way to Earn a Million
By David Au Johnson

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.

With better discussion, you must have become definite about hyip and hyip monitor. Why not you connect links with anchor to find better information about hyip monitor and other relating stuffs.

Article Source: http://EzineArticles.com/?expert=David_Au_Johnson

HYIP Investments - Right Way to Earn a Million
By David Au Johnson

Shock Secrets of Successful HYIP Investment - Do You Use It?

Shock Secrets of Successful HYIP Investment - Do You Use It?
By David Vagner

What is your goal? To earn money quickly, get additional income without work. HYIP market can realizes your dreams or makes you bankrupt. Where is limit? Listen to me and you will know how to be rich.

As successful HYIP investor you should know golden rules of sure investing. These rules are very significant and I want you to know them at your finger tips before you actually start your investing way.

Think Long-Term: Never ever think or plan to get rich within a short period of time. It is not reality. Usually good HYIP will never pay quite your principal and interest in less than 6 months.

Do not Quit: Winners do not quit and quitters do not win. It is a law of our life. The next step you take could be the winning step but if you quit, you'll never know how much you are loosing. Just keep investing and learning better ways to better your situation in life.

Be Prepared to Loose: In everything you do in life there are always times when losses occur. Life is all about ups and downs. Use losses or failures as a stepping stone towards greater success and also as an experience to make better investment plans, ameliorate on your strategies.

Diversify: Never put all your eggs into one basket. This is very important rule in HYIP investing. Invest in more than 5-7 programs to create multiple streams of investment income for yourself.

Research and research again: Always conduct your own research too. Always keep your ears on the ground, join HYIP forums, read the FAQs and Terms, read emails sent by the programs you join, check monitoring sites as theHYIPs.net and write their support if there are issues you are not clear on in their terms or FAQs.

Ping their domain to define their IP addresses and use an IP search tool or software to determine their location. Do not forget to do a whois search to define if what the programs say in their "About Us" is the same as it is in the search.

When you get this information, compare it with what they say about themselves. Also, NEVER sign up a program that is hosted on a free hosting service or sites that use the same scripts. Never reply to any email asking for a confirmation of your username and password.

Protect yourself, your e-currency account(s) and your investments: This is another very important point to note.

Avoid using your real names when dealing with programs you are not sure of except when it has to do with receiving your money via wire-transfer where you have to give your full details to the program to enable transfer of funds to your account. Also use different passwords for your e-currency accounts, your email address(es) and your investment programs.

This will prevent fraudulent programs from trying to use the same password you used to join them to open your e-currency account(s). NOTE: If you are using e-gold, make sure you apply the security features as explained by e-gold to protect your account.

Avoid Greed: Do not let the human factor of greed take over your investment decisions. The scammers use the human factor of greed to lure you into investing your money with them.

From my personal experience, I lost a lot of money due to the fact that I allowed the emotion of greed to do my investing for me. Scammers offer very high and unrealistic interest rates within a very short time.

When this happens, you will know immediately that this will not last but the emotion of greed will always tell you to give it a try and this is where your downfall and failures will begin. These scammers might pay you the first time just to encourage you to invest more and when you do, they disappear.

Please take note of these important rules above and you will enjoy investing in HYIP investment programs.

David Vagner knows shocking secrets how to make money with HYIPs. He will show you magnificent strategies which increase your profit. To know them read his FREE HYIP report here HYIP lessons or visit http://thehyips.net/lessons

Article Source: http://EzineArticles.com/?expert=David_Vagner

Shock Secrets of Successful HYIP Investment - Do You Use It?
By David Vagner

HYIP Investment Tactics

HYIP Investment Tactics
By Mate Kaszas

Investing in HYIPs requires a very well designed risk management plan and a capital which you can afford to lose. This capital should be from $200 to $500. You can try with less or more but my suggestion is between these amounts because if you make profit, that will be nice money, but if you lose that wouldn’t hurt as much as if you would lose thousands of dollars!

The first and probably the most important thing about the investment process is diversification or in other words „Never put your eggs in one basket”. This is a key risk management tactic which can save you lots of dollars! Just like with other investment opportunities there are different risk rates here too.

For example a HYIP which offers 300% ROI after 3 days does not carry the same amount of risk as the HYIP which offers 300% in 3 weeks.

There are other components other than just ROI but the essence remains. In my oppinion, depending on the amount of your capital, you should diversify your portfolio among 5-10 HYIPs because this way you reduce the risk massively! Do not invest equally in all of them but invest according to the amount of risk.

The second most important thing is that you must get your capital back as soon as possible! Lots of HYIPs offer a compounding option which means that your profit will be automatically reinvested until the investment period ends.

It is true that you can make a huge profit this way but most of the Hyips use this option to keep the investors money in their program to make greater profit when they run away.

Don’t even think about compounding until you get your original deposit back! Do daily withdrawals where possible. After you got your deposit back, you still have the option to consider the compounding option.

The third most important thing is Investigation. When you find a HYIP always check these things:

The ROI. 1-3% daily is reasonable and realistic.

The website. If it has poor design or it has that common HYIP script which 80% of the HYIPs use run away as fast as you can! The website and script should be unique!

Always check the customer support by sending an e-mail, or by contacting the live support online or on phone.

If there are stats on the main site always check them. If the amount of deposits is 3* or 4* as much as the withdrawals, you can still make profit, even if it is a PONZI.

Check the site’s DDOS protection. A DDOS attack is common among HYIPs so having a good protection against it creates a higher value for the investment program.

Check the Whois info. It is a good sign if the domain is registered for more than one year.

http://www.whois.net

Ask for Due Diligence Documents. These can be Company Registration Docs, or Personal ID, and maybe trading results.

What are the payment methods for deposits and for withdrawals? Most of the HYIPs work with e-gold only. The better ones accept Bank Wires and E-Bullion too. If there withdrawal fees, consider investing twice unless they have a very good reason for it!

Check the HYIP Monitors like Goldpoll and Hyipranks.

A referral program can be either a good sign and a bad also. If the ref comissions are too high then the program focuses on getting more new investors to be able to pay. This smells like a Ponzi. On the other hand if they offer a solid ref comission, that is a good sign, because the fact that an Investment program coming online is that they would like to trade with bigger capital to achieve their goals.

For bigger capital they need investors. For investors they need marketing. There is nothing wrong about that.

The forums of the Hyip programs like MoneyMakerGroup or Hyipranks forum, maybe Talkgold are also resources of investigation. Read people’s oppinions about the program but do not let yourself to be affected too much, because as I said there are lots of corrupt people there!

A few more good signs: SSL protection. Certificates of trust and legality (Better Business Bureau etc.)

When you fall into this area of moneymaking you can easily make the mistake to be piggy. If you act like that, you will pay the price! Always consider twice before investing and THINK! Do not fall for cheap tricks.

For a beginner I have two more suggestions.

1. Check out the service of Hyipsignals. You can save time and money with them.

2. Check out Booklands HYIP reports here: [http://www.huanghanshi.com/money/dailyreport.htm]

This guy is amazing and even if he is not 100% accurate all the time, he is accurate most of the time!

The Perfect High Yield Investment Program?

Finally I would like to describe how the perfect program would look like to me.

They would have a unique website and script which is easy to navigate and has DDOS protection. The site would contain the methods of how the profit is made.

Actual trading results. There would be 1-3% daily interest which depends on the amount of deposit. Principal is back after the investment period. Compounding OPTION. DD documents would be provided to any investor. Live Customer Support Online and on Phone.

Corporate information. Offices outside the Tax Heavens. $50 minimal investment limit. Proper Risk management E-Gold, E-Bullion, Credit Card, Bank Wire deposits and withdrawals.

Fast withdrawals. Inner exchange service. No withdrawal fees for E-Gold and E-Bullion. They would have their own forum for their community and support. Debit Cards for withdrawals which can be loaded directly from the accounts.

Certificates of the legality of the business. SSL protection. Multilanguage website. As an additional service they would provide infos about how to reduce taxes.

This program would be a dream come true for many HYIP investors. So do not keep it secret if you find one!

I hope you enjoyed the article!

Mate Kaszas-online-business-thoughts.blogspot.com Article Source: http://EzineArticles.com/?expert=Mate_Kaszas

HYIP Investment Tactics
By Mate Kaszas