HYIP Glossary

The list of terms that often used in HYIP:

Account Balance
The ballance of one's current account inside a program. These funds can be used to withdraw or to invest into program's investment plans.
Account Center
It is where you view(some or all of the following information is available), your statistic, profile, purchase positions, manage positions, withdrawal, advertising, refferals, contact us and logout.
Account Number
The unique number of a personal member account.
Active Deposit
The amount of money that is actively engaged in the money making program.
Affiliate Program
same as Referral Program
Auto-Payment
same as Instant Withdrawal
Auto-Withdrawal
same as Instant Withdrawal
Back Room
same as Account Center
Banner
An advertising tool provided by the company to promote the Program. Thus enabling you to earn referral commission for new signups.
Betting
Some HYIP programs make money on differrent kinds of bets e.g. sports.
Bonus
Funds the administrator adds for some reason to the member account differing from any planned earnings.
Commissions
Compensation received for a referral signup.
Compounding
This is the concept that one earns interest on the interest he have already earned. At first, your money grows slowly, but as time passes, your money grows more rapidly. This is often considered the "eighth wonder of the world".
Example: You deposit $400 to the program with 5% interest and 25% compounding. When you receive you payment 25% will be added to your deposit and 75% you'll receive to your account. So you'll receive (5%*$400)*75%=$15 and your deposit will become $400+(5%*$400)*25%=$405
Compounding Deposit
A deposit with the compounding option used.
Compounding Percents
The percent of earning which is deposited back into the system.
Debenture
General debt obligation backed only by the integrity of the borrower.
Deposit
The funds deposited into the program.
Deposited Total
The total amount of money ever deposited into the program to date.
Diversification
The concept of spreading the money among a number of different investments or investment programs in order to reduce risk. It's the idea that one shouldn't put all of your eggs in one basket. Advice: Diversification is a good way to reduce your risk and exposure to the market. Every good portfolio should be diversified. The level of diversification is up to you, though.
Downline
The people one recruited (his referrals), plus the people they recruited, and so on.
Due Diligence
The process whereby a person investigates an opportunity, assesses the quality of the management team, and the key risks associated with an opportunity.
e-currency
Short for electronic currency.
e-gold
e-gold is an e-currency, issued by e-gold Ltd., a Nevis corporation, 100% backed at all times by gold bullion in allocated storage. Read more at About e-gold.
Earned Total
The total amount of interest one's investments have ever earned inside the program.
Exchanger
A company which is able to convert your cash dollars into e-currency.
Exponential Growth
same as Compounding.
Foreign Exchange Market
same as Forex
Forex
Market for trading currencies internationally. The foreign exchange market is a decentralized market that has no physical exchange floor. Trading is done over the counter, via phone, fax or electronic distribution networks. Turnover in this market is approximately $1.5 trillion USD daily, making it the largest, most liquid financial marketplace.
FX Market
same as Forex
Forum
An online community where members are able to post information to share with others.
Funding
When you put money into your e-currency account using an authorized exchanger.
HYIP
A High Yield Investment Program. These programs claim to invest in high risk, high yield opportunities. An HYIP can be both offline or online, and maybe be investing in a variety of markets. A large portion of online HYIP's are simply ponzi schemes that call themselves HYIPs. Usually every high yeild program goes with quite a risk, so it will be helpful to use divesification while investing in these programs.
Instant Withdrawal
The system payment feature which processes the withdrawals automatically when a member makes a request.
Interest Rate
The amount of money in percent that a borrower pays to borrow money (a HYIP pays to investors). For example, if a $100,000 investment has a 5% monthly interest rate, the program will have to pay $5,000 each month (or any specified period) until the program ends. The goal for investors is to earn the highest interest rate possible without sacrificing any security.
Investment Package (for HYIP)
A set of similar investment plans grouped by some similar properties (payout ratio, compounding feature or other).
Investment Plan (for HYIP)
The investment proposal with a pre-defined interest rate, initial deposit range and other options. One program may have many additional plans grouped in investment packages.
Laddering
Purchasing bonds that mature at various intervals. This provides the investor with greater regularity of income.
Advice: Bond laddering works by purchasing bonds with different maturities. For example, you might purchase 3 year, 5 year, and 10 year bonds. By doing this, you are giving yourself greater liquidity because your bonds will be maturing periodically. If you simply bought three 10-year bonds, you would have to wait 10 years to see any of your money returned to you.
Bond laddering is a good idea for anybody who needs liquidity and a greater certainty of receiving their money at periodic intervals.
Liquidity
Liquidity refers to the ability of people to get into and out of investments. A "liquid" stock is a stock with a lot of volume that is easy to buy and sell. A "liquid" investment is an investment which is easy to withdraw. A liquid investment is one that you can buy and sell easily and quickly. An example of a liquid investment is a bank account. You can go to the bank and take your money out quickly and easily. An example of an illiquid investment would be real estate. If you want to sell your house, you have to put it on the market and could end up waiting over a year to get your money. Or an investment with a non-withdrawable principal. Understanding how liquid you need to be is important. Obviously, if you're in college, you want to be liquid so you can make your tuition payments. If you're retired, you'll want to be liquid to pay your living expenses.
Maturity
It's the length of time that you have to wait until you get your money back. Or one can say: this is the date the borrower has to repay the lender the principal.
Maximal Deposit Withdrawal Duration
A time period after which the program member cannot withdraw his deposit.
Maximum Spend
The most amount that you can pay into a program in one day.
Member's Area
same as Account Center
Minimal Deposit Withdrawal Duration
A time period after making the deposit during which the program member cannot withdraw his deposit.
Minimum Spend
The least amount of money accepted in order to join the program.
MLM or Multi-Level marketing
Money-making programs which require participants to market and sell things in order to make money, and the money earned is based not just on how much was sold, but also on how much was sold by the other participants you've recruited.
Payout Ratio
The percentage of earnings paid out in dividends. It is calculated by dividing amount of all dividends by amount of all earnings.
Penalty
It is a sum of any currency which administrator removes from the user account and transfers into the system.
Ponzi Scheme
The term Ponzi is derived from the actions of a man names Charles K Ponzi. It is any program or claimed investment opportunity which relies on new investments to pay off the older ones. Those whom invest first are thus paid their returns from those who invest after them, leaving the last investors the ones who lose out. Many HYIPs who claim to be trading, investing, etc are really only running a ponzi scheme. Some have also compared the US Social Security system to a ponzi scheme.
Portfolio
All of your investments. If you own five stocks, a bond, and have bank CD's, those would be collectively referred to as your portfolio. When you hear a person talking about their portfolio, they're just referring to all of their investments. If they say their portfolio is up 12%, it means the average return for all of their investments has been 12%.
Principal
The initial deposit one makes to the account. This excludes any compounded earnings added to the deposit.
Principal Withdrawal
Many programs do not allow to withdraw principal. It damages the liquidity but assures the program owners that the money deposited to their system will remain there for long.
Profile
The personal information of a member.
Referral
The one you recruited to join the program or to make an investment (your referral). Many companies usually pay for the refferals their users or members recruit a persent of referrals' earnings or of a deposit. It is called a Referral Program.
Referral Percent
A percent of an amount that someone's referral deposits into the system or a percent of his earnings which goes to the upline.
Referral Program
A money-making program where you earn money based on recruiting others into the program (referring). Many companies usually pay for the refferals their users or members recruit a percent of the referrals' earnings or deposits.
Referral URL
This is a web site link that contains your specific username or number that a referral would click on to view the program information. This enables you to get credited for their signup.
Re-invest
To put back an amount into the program to cycle again. Closely related to compounding.
Return on Investment
A profit or loss from an investment. An individual's return on investment is easy to calculate. If you invested $20 and earned $30, you would have a 50% return on your investment.
Risk
The measurable possibility of losing or not gaining value.
Spend
(used as a noun) a payment, deposit, transfer of funds.
Sponsor
A sponsor is a person who has referred people to a program.
Sponsored
The listings can pay for being "sponsored" and thus to be listed at the top of the current section. But it doesn't influence the listing's rating, payout or any other statistics. Neither it influences the listing being Normal, Trial or Premium. So please while choosing the HYIP site to invest pay greater attention to the money invested and earned statistics, site's design and the such.
Statistics
The statistics shows information regarding your current program. The following information is available (some or all of the information is available) to view in your account center: You view your total investment, amount paid, amount available, referral bonus, total referrals, referral URL, and if available downloads.
Total Deposit
The total amount of money on all the active deposits inside the program .
Transaction
Any single funds movement into, out of or within the system.
Transactions History
The history of all your transactions.
Upline
The people who recruited you, plus the people who recruited them, and so on.
Withdraw
To withdraw money means to call them off the HYIP or any other program.
Withdrawal
The transaction when one transfers funds from any account in the HYIP or any other investment program to any account outside the program.
Withdrawn Total
The total amount one have ever withdrawn to date.

HYIP : Finally, the Secrets of the 'Get Rich Quick' Scams Are Revealed

We have all read the ads for the latest “Get Rich Quick” program, promising great wealth in a short amount of time with little or No effort. I am sure you have read ads like this plastered all over the internet.

“Make $30,000 in 30 days – guaranteed – with this system!”

“Work just one hour a week and make $20,000 a month – Guaranteed!”

This sounds great and the owners of these get rich quick sites are laughing all the way to the bank. The sad thing is they play on people’s hopes and fears. The prey on people that are in a financial crisis, people that need to make lots of money in a short period of time.
The internet has become full of these get rich quick predators! So much so, that internet marketing has been given a blanket reputation of being a scam. The facts are that the internet is full of legitimate opportunities, despite the work of the online jackals.
If you are someone looking for an internet business opportunity that is legitimate I have some tips on how you can smell out the rat and find a real opportunity!

Below is a list of tips to keep in mind when looking for the right internet business opportunity:
1. The old saying, “If it sounds to good to be true, then it probably is.”, is still relevant when it comes to making a business decision. In order to make money you have to work for it, there is not a real wealth building system on the internet that will allow you to go from internet novice to making a five-figure-per-month income in 30 days or less.

2. It is probably a scam if there is not a real-tangible product or service related to the business.

3. Stay away from all chain letters or anything that requests you to put your name on a list, send someone on the list money, and redistribute the mailer in return for the chance to make money. That is not only a scam it is illegal!

4. Stay away from companies that emphasize recruiting new members into the company more than product sales.

5. Make sure the company has a customer service department that can be contacted and one that replies to their customers in a timely manner.

6. Make sure the company has contact information posted on their web site. Most scammers do not want you to have a way to contact them.

7. Do a Whois search to see who owns the business and where they are located.

8. Think scam if they repeatedly tell you that this business opportunity is perfectly legal. If it is legal you shouldn’t have to tell potential customers.

Some internet business opportunities I would stay away from:
1. HYIP’s or High Yield Investment Programs – I have to admit there are some investment programs on the internet that are legit. The HYIP’s to avoid is anything that promises or guarantees a huge return on investment in a short period of time. Some of the ones online claim to return 1000, 2000, even 3000%, pure B.S.

2. Money Doublers and Matrixes – These sound great but they constantly depend on getting new people into the business. Many of them are here one day and gone the next.

3. Any program that requires you to put your name on a list, send money to the first person on the list, and then mail the list out to X number of people.

4. Any MLM or Direct Marketing company that does not offer a real product or does not emphasize product sales. If all your recruiter talks about is recruiting more people then run!
You can educate yourself and stop being scammed by the get rich quick tricksters! Just remember to not make spontaneous purchases, research your potential internet business opportunity, and keep in mind that “if it sound too good to be true, then it probably isn’t”.
The internet is full of legitimate business opportunities that can provide a full-time income, even great wealth. If you are looking for a REAL internet business take a look at these great sites:
Stop being scammed and find a viable Internet Business Opportunity.
Fire the boss and find the Best Home Based Business for you.
Most successful internet businesses are built around niche markets and they provide real products and services to that market. Providing quality information products to a specific niche is a great way to make money on the internet!
Selling information is the most profitable enterprise on the internet!

The Secret formula to profiting on the internet is summarized below:
A viable internet business opportunity is built around identifying a profitable niche, then building a useful and informative web site around that niche. Finally, it only becomes profitable when you can successfully send targeted traffic to that site and convert them into paying customers.
The above paragraph is the SECRET to making money on the internet with your own web site. Any system that tries to teach you any different is more than likely a scam!

How To Prevent Getting Scammed

Step One:

Use the following Whois Lookup sites to find out the Web Owner details information:
Lookup IP Address
Lookup Internet Service Provider (ISP)
Lookup IP Address belongs to (Organization)
Lookup Country
Lookup Continent
Lookup State
Lookup City
Lookup Latitude
Lookup Longitude
Lookup Timezone
Lookup Registrant (website registered address, person contacts & etc.)

http://www.showmyip.com/
http://centralops.net/co/
http://www.seoconsultants.com/tools/whois.asp

Step Two:
Before participate the Web Program, review Web Owner Site's operation location, and ascertain you fill comfortable with the Web Site. In any event of defaulted by the Web Owner, you can locate them & have them report to Internet Fraud Authority.

Step Three:
Search Internet Service Provider (ISP), and IP Address belongs to (Organization) email contact and record down. In any event of defaulted by Web Owner, you can file a complaint and has Scammer Site report to the ISP against them for abuse of Internet Fraud (obtained an information here is good enough to put Web Site liar in hot soup. With this power tool you can force the Scammer close up his Web Site or shutdown by ISP neither.)

Step Four:
If you got deceived, submit full details of the Web Site details information (refer to step one) with your e-payment confirmation and file a complaint email to the followings to alert the relevant authorities of the Internet Fraud:

1. Internet Fraud Coordinator: ifcc.tp@fbi.gov.
2. International Web Police: Director@Web-Police.org.
3. ISP Provider; abuse@........ (refer to Step One, search the abuse email contact of ISP Provider /and IP Address belongs to…and complaint of web site Network abuse).
4. Locate authority (refer to web Registrant station address, search on Internet to locate of country authority; such as “address/state police” or “(country) government authority”.
5. E-gold Service & CC to Web Site Owner.

The Authority information sites for 1, 2 & 3 are:
web-police
ifccfbi
scamwatch
fraud.org/

Lastly to say; an investor should take note on Web Site's ISP registered at un-privileged country, in any event of cheated you can address your problem to the locate authority /or police station to expose the cheater web site. If possible put on forum page to draw attention to other investor help to obtain email contact of the locate police authority.

HOME SECURITY RECOMMENDATIONS

Use hardware and/or software firewall
A firewall can protect your computer from malicious traffic. A hardware firewall/router acts as a barrier between the outside world and your computer. A software firewall, such as ZoneAlarm, performs that function to a lesser degree but can also block malicious programs on your computer from sending data out to the internet. The free version of ZoneAlarm does a very nice job.

Update to a better web browser

Mozilla's Firefox is available for almost every operating system and has many security and privacy advantages.

Important Information Please Read Carefully

When operating with your e-gold account, your private e-mails, sign-up new account or make deposits to investment programs consider the following safety rules:

-If you can,use different PC only for e-gold ,e-mail or deposit to SchneiderDigitalFunds.com
-The best,safety and perfect operating system is LINUX.
-If you have Windows, never use Internet Explorer, and download for free FIREFOX browser
from www.firefox.com
-Use separate contact emails for operations involving transfer of money.
-Never use the same passwords for different accounts.
-Make passwords from 10-20 different numbers and letters.
-Never access your e-gold account by clicking a hypertext link in e-mail.
-Never open emails containing attachments. Most likely they contain a trojan.
-Verify website identity before entering password.
-Try not to access your e-gold account and when you make a deposits from a public computer.
-Try not to visit suspective-looking websites, they may launch trojans to infect your PC.
-Use latest versions of firewalls,antispyware and anti-virus programs.
-Avoid downloading ActiveX and Java applets in your browser.
-Always use AutoUpdate function in your Windows OS.

Can I make living on HYIPs?

If you are beginner in this HYIP industry, definitely NOT! In HYIP business, the possibility to earn high profit is comes with high risk. No HYIP lasts forever! It is possible that a HYIP will go bankrupt or run away with investors money. Don't invest money in a hyip that you can't afford to lose!

Golden Rules

Rule Number 1

Never put all your money into one small 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 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 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.

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.

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 programs with large amounts is suicide. Focus on the overall plan, not on a program or two, unless you have found a single large program that offers a good return coupled with capital security. Build your smaller 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 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.

Diversification and It's Importance

No other single principle has more validity in the investing community than that of diversification. It is the keystone to all successful investments. Those who diversify are not guaranteed to large profits, but they are protected against large losses. Diversification takes the risk out of investing.
In order to ensure that your portfolio remains diversified, we suggest you come up with two numbers that you must cross reference to every purchase you make.

1) The first number is your losable capital, or the amount of money that you could realistically lose without stifling your ability to operate. If risk assessment is too foggy a notion for your every day life, simply choose an introductory amount that is somewhat marginal in your budget, and agree to remain below that amount for your first six months.

2) The second number is the amount you would be willing to lose if a program to which you've invested suddenly disappeared, be it five dollars, or one hundred dollars. Try to make this amount realistic. Imagine what a loss of one hundred dollars would amount to in your life. All investors at some point lose on a portion of their investments.

Now take the second number and divide it by the first, and this will give you a basic understanding of the minimum number of programs you will need to join in order to maintain your basic diversified portfolio.

We put a large emphasis on minimum. This number does not account for smaller than expected returns, or multiple losses in HYIPs. Our advice is to double your number of programs while maintaining a total investment beneath your total losable capital.

No hyip can be trusted .............

I don't think are they all scams, however a lot of them, if not most of them are. Some HYIP's are actually run by honest admins and sometimes fail because of bad management. Others can fail by external events that affect them like hacker attacks or something like that.

What I will say is that they are all very high risk. You are basically trusting your money to an admin you know nothing about, and have no control after you give it to him/her. Even if it is an honest admin with the best intentions this is very risky, since you don't know about this person's ability to manage money, let alone a big business like an HYIP

Top 10 HYIP Mistakes

Introduction

Hello fellow HYIPer,

Without mistakes we can't learn. And as you'll see, I've learnt a lot!

It goes without saying that you're responsible for your own investments, you shouldn't invest what you can't afford to lose and that this information shouldn't be taken as financial advice...

Now on with the show.

Mistake 1: Spending too much too soon

This is probably the biggest mistake I've made in HYIP land, and the one that taught me the most.

I'd been in HYIPs for around 9 months. Things were going strong, my confidence was growing and one of the programs had just paid out a very nice profit.

In my excitement I invest all of this profit into a single HYIP that I found in the top of one of the rating sites. It's been rated in the top 3 for the last 6 months. Everyone was writing rave reviews about it. It looks and smells like a sure thing, so why waste time making a small spend?

Not even 7 days later and the warnings started to come. By that stage I could see my investment drifting away.

That investment had taken me over 4 months to earn. Within a few hours of receiving it I was able to give it away. That's a pretty good effort eh.

The experience gave me a real good wakeup call. Up to that point I'd been putting large chunks of my investments into individual HYIPs.

That's when I realized what people meant by "test spends"... ahhh. So you spend a little bit, and if they pay you, THEN you spend the rest. What a novel and practical idea.

After gaining more experience with HYIPs I realized that a single test spend isn't enough. Some HYIPs will pay you for small spends, but when it comes to real (larger) spends you won't see a cent of profit.

And you can't rely on rating sites feedback because sometime they get better treatment from HYIP admins!

So now a days I spend a little at a time gradually building my active balance.

Mistake 2: Not testing the withdraw function

Has this ever happened to you: you've invested in an attractive HYIP, your profit is growing day after day, everything is going nicely ... until you decide to withdraw some of your profit.

Either the withdraw function doesn't work at all, or your withdrawal is forever pending.

After I make my initial test spend with any HYIP I do a test withdrawal. I don't invest any more funds until the withdrawal is successful.

Mistake 3: Focusing on individual programs instead of the overall plan

I think everyone (including myself) have their favorite HYIPs. Those HYIPs that pay us regularly and we feel comfortable with.

Maybe their web site color is our favorite color! Or they've worded things in a way that sings for us.

But every time I find myself focusing my spends on one particular HYIP I remember a piece of advice that I once got: "Focus on the overall plan and not on individual HYIPs".

To me this is a fantastic philosophy for managing a HYIP portfolio.

When you think about it, putting our faith in one, two or three individual HYIPs doesn't make any sense given the nature of these businesses.

So taking this philosophy I would much prefer to have 10 programs paying me $100 each to a total of $1000 than having 2 programs paying me $500 each.

It would be even better to have 30 programs paying a little bit each.

Obviously it's a lot harder to find 10-30 solid programs instead of focusing on 2 beloved HYIPs. But to me focusing on the overall picture and building multiple income streams helps me sleep at night.

Mistake 4: Not getting your original spend back quickly

I'm sure you've heard this a number of times before. Always get your seed money back as soon as possible.

Given the fact that most HYIPs tend to fold within 6 months, this does make sense.

Figuring out when to start withdrawing your profit is more of an art than a science.

For example, should I deposit a large amount and start withdrawing straight away? Or deposit a small amount and start withdrawing after one month?

This really depends on how long you think the HYIP is likely to last and how long it takes to get your original spend back.

To date, all HYIPs tend to either slow right down: like one of the original cyclers that has been around for 2 years and now has a 200 day+ cycle time; or they go out of business within 6 months.

Side Note: I believe some HYIPs have good intentions but fail to manage the business side of things correctly so they close shop. I don't believe all HYIPs that disappear are scams.

Given the empirical evidence it's best to plan your strategy based on the worst possible scenario.

A rule of thumb that I've heard thrown about is to withdraw your original investment as soon as possible then from there on keep half the profit and reinvest half.

I believe having a clear monthly plan is key to being successful with HYIPs. At the start of every month I ask myself the following question:

"What If one of my main investments goes under this month... will this be a problem for me?"

Based on the answer I can decide how much I should withdraw, how much I should reinvest and what new HYIPs I should join.

Mistake 5: Getting greedy

Making money with HYIPs isn't really the problem. It's keeping the money in our pocket that becomes difficult.

The temptation to reinvest every single cent to keep our profits growing is so great...

I remember a program that was paying 5% a day for 30 days. Every day I would wake up, check my egold account to find a nice little deposit. A couple of weeks pass and things are looking good, so I reinvested all of my profits. This goes on for about 3 months. By this stage I've grown my investment with this program by reinvesting all the profit. Now I can sit back and reap the rewards.

Unfortunately (you guessed it) the program stopped paying.

Obviously I got a bit greedy and wanted to multiply my profit quickly. As mentioned before a better approach might have been to reinvest half of the profit and take the rest to invest elsewhere.

Mistake 6: Doing what everyone else is doing

It's very interesting to watch some of the rating sites and how their Top Rated programs seem to fall one after the other. Maybe it's because all HYIPs have a limited life-span? or is it because of all the rumours that start floating around once a HYIP gets in the spotlight? Or maybe, too much money coming in is too hard to resist!

I've learnt to mix my program selection with some well known HYIPs and some more obscure (yet established) programs.

My ideal HYIP is one that isn't in the spotlight but has been paying successfully for a while (4 months or more).

Mistake 7: Saving up for one big withdrawal

Some HYIPs seem to struggle when making large payouts. I recall a HYIP that became very popular all of a sudden after being rated high on one of the rating sites. Within 3 weeks a number of large investors had started requesting withdrawals. It quickly became apparent that the admins didn't have the funds available to make the payments.

It's possible that they were scammers who weren't really investing the funds, but it's all possible that they'd invested all the funds and didn't have enough liquid funds to honor the withdrawal requests. Either way rumors flew and things spiraled badly. They were out of business within a couple of weeks.

I find that making small, regular withdrawals is often better for everyone.

Mistake 8: Investing without doing any research

If you're like me, the last thing you want to do when you find a promising HYIP is to do a whole heap of research. I'm usually hitting the spend button before you could say "google"!

But then came that time when I made a deposit only to find out 10 minutes later on one of the hyip discussion sites that they haven't been paying for the last 5 days. Oops!

I mean, seriously, how can these programs stay online even after they've been proven not to be paying! Someone must have forgotten to press the off button on many of these hyip scripts.

So here are a couple of HYIP blacklists to check against before making a new spend:

http://www.hyip-navigator.com/black.php

http://www.stochasticsoccer.com/kakarukeys

It's even better to do a quick search on some of the big hyip forums or even Google.

A few minutes research can make a big difference to the end profit.

Mistake 9: Investing big at the end of the year

Let me take you back to the end of 2004 ... A hand full of solid HYIPs started to come out on top. More and more people invested big into these "safe, established, sure things". Including yours truly.

Things were looking good.

It wasn't until mid December that things started to fall apart, in a big way. One after one these established HYIPs started falling.

It's true that online marketing hits rock bottom around Christmas time. People don't have as much money to throw around. In fact, many people probably start withdrawing their HYIP profits around this time leading to a mini-HYIP-recession as it seems.

This is an established trend that seems to appear online year after year. I know I won't be making any big investments coming into December.

Mistake 10: Not tracking your returns clearly

Six months into HYIPs I realized that I was tracking the wrong things!

I was keeping track of all my individual deposits and withdrawals, which is great. But I didn't have an overall picture of how my portfolio was performing.

I wasn't able to say exactly how much I'd put in, what my portfolio is worth, my overall returns to date and my project returns for the coming month.

After experimenting with a few different Excel spreadsheet designs I realized that for me the key is to keep my tracking sheet very simple so I can see the big picture.

Here are some of the main things that I track for each HYIP:

- Name
- Web Site Address
- Investment (amount invested from egold, etc)
- Worth (what's the current investment worth in this HYIP)
- Earnings (how much I've withdrawn from this HYIP into my own egold account, etc)
- Earning vs Investment ratio (what's my profit/loss)
- Projected profit for next month
- Any comments, interest rate, concerns, etc.

This way I can list all the HYIPs on a single page with a total at the bottom.

By focusing on these high level numbers as opposed to the individual deposits/withdrawals I'm able to see the big picture, where I'm over exposed, where I'm having success and a lot more.

Putting together a suitable spreadsheet makes the daily task of tracking your HYIPs a pleasure.

Summary
So here is a summary of my top mistakes:

Mistake 1: Spending too much too soon

Mistake 2: Not testing the withdraw function

Mistake 3: Focusing on individual programs instead of the overall plan

Mistake 4: Not getting your original spend back quickly

Mistake 5: Getting greedy

Mistake 6: Doing what everyone else is doing

Mistake 7: Saving up for one big withdrawal

Mistake 8: Investing without doing

Mistake 9: Investing big at the end of the year

Mistake 10: Not tracking your returns clearly

At the end of the day, making money with HYIPs is as much an art as it is a science. By setting and following your own rules you can dramatically reduce your risk of losing money and hopefully significantly tip the balance in your favor to make some serious returns.

Payment Systems

Today electronic money of different payment systems became one of the generally recognized means of making on-line payments. Electronic money of E-gold, EvoCash, E-bullion, INTGold, NetPay, GoldMoney, StormPay, Pecunix payment systems may be considered the official currency of the virtual world. Every day major transactions are carried out, the real estate, pieces of art, cars and securities are bought using the electronic money. Electronic payment means are absolutely irreplaceable for such network forms of business such as buying web-hosting or gambling in on-line casino.

Dealing with cash money, checks or transfers would make the life of the World Wide Web users more difficult. Electronic money was designed especially for Web-users; it enables them to conclude a transaction or make a purchase in just few seconds.

Here we will tell you more about the major popular payment systems.

E-gold
The system was created in 1996. It’s every-day turnover exceeds 1.5 million dollars. E-Gold is managed by Gold&Silver Reserve. Money of E-gold payment systems are corresponded into precious metals that means the users’ accounts are not bond with any national currency, that significantly simplifies the international settlements. Accounts opened in E-gold are absolutely
anonymous and maximally safe.
Opening an E-gold account you actually invest in precious metals. Precious metals unlike the national currencies are very stable; during the financial crises silver, gold, platinum and palladium do not lose their cost but, in contrast, they increase their value. E-gold keeps its clients’ assets in the form of real gold in basic world’s reserves (in London, Zurich, Dubai); it is secured by the guarantees of US and Swiss banks and are under patronage of the leading world bank – JP Morgan Chase Bank, New York.
E-gold system users are given a full scope of means for account replenishment: wire transfer, credit cards, cash deposit, WU, American Express, etc
E-gold is the easiest and the most effective system of international electronic settlements. It is optimal for participation in high yield income programs as it makes it possible to get the earned money instantly. If you do not yet have E-gold account, you may do it for free using the following link https://www.e-gold.com/

Pecunix
Pecunix is one of the safest electronic payment systems. To protect the clients’ accounts it uses special PGP protection keys. Electronic money in this system is bond with all major world currencies. A fine of 5 grams of gold is taken from the users who lose their registration
information. The system has rather complex and difficult payment rules you can get to know in
detail on the company’s web-page. You can register in the Precunix system and lean the details for making transactions on the company’s official web-site - http://pecunix.com.

What is HYIP?

HYIP stands for High Yield Investment Program. While a HYIP may sound enticing, you should be careful; many HYIPs are little more than thinly disguised ponzi schemes.

A ponzi scheme is a system by which investors are lured to invest in a program by promises of very high returns on the investment. Early investors are paid using the money that later investors invest in the scheme. Things go well until new investors stop joining the system and the money runs out.

Those HYIPs that are not ponzi schemes are frequently outright scams. Investors not only are never paid any interest yield, they also never see their original investment in the HYIP again either. If the returns sound too good to be true, the HYIP is likely too good to be true. Claims of secret banking systems and alternative financial networks are simply false. In fact, the problem became common enough to cause the Federal Bureau of Investigation (FBI) to issue warnings about being taken in by the claims made in these fraudulent programs. You are probably best off if you heed their warnings.

If you are considering on making an investment in a HYIP be certain to do diligent research first. Any legitimate security that is sold to the public must be registered with the Security and Exchange Commission (SEC). If the HYIP you are considering is not registered, you should not invest. Other questions to ask yourself include, whether the claims to good to be true, and how the people running the program generate the high yield returns that you are being promised. You should be careful of the claims people make regarding some secret network or principle that allows them to make excessive returns. If the proponents of the HYIP cannot or will not explain how the returns are made then you may want to avoid investing in the program.