Investbox's
Getting Started Guide For HYIP's(High
Yield Investment Programs)
Please
Print This By Clicking The Button Above, And Read It Offline
Away
From The Computer, Where You Can Limit Your Distractions
Quick
Links
Introduction
to HYIPs
10 Steps to Getting Started
Tips for Beginning HYIP
Investors
Tips For Intermediate
HYIP Investors
Tips For Advanced HYIP
Investors
Personal Privacy
About Firewalls
Spyware
Virus Protection
Internet Browsers
Gold Currencies Explained
HYIP Glossary
Useful Links
Introduction
First thing's first. Welcome
to Investbox.com, we are happy to have you!
Now, the reason that
you are here is to make money online...Right? We are here to help
you along the way. HYIP is not only High Yield, it's High Risk!
If you're the type of person who prefers "absolutes" and
"guarantees", then this arena may not be for you.
It's critically important
to understand the basic concepts before you spend, however,
it is possible to take educated risks to minimize any losses
that can occur. After all, you've heard the expression, "Beware
of diving into unknown waters"... in other words, don't spend
into a program until you know "how deep the water is that you're
diving into".
There are many excellent
places to get HYIP information using search engines, this guide is
a good starting point. The importance of retrieving information is
like any course that you'd take in school, you need to learn.
Over time, you'll understand
the process needed. Due Diligence is necessary in any financial decision,
or business practice. One of the worst things you can do is spend
into a program without reading what it's about or how it works.
Nowadays the word HYIP has become
a very common term in the cyber arena, even though a lot of people
still have never heard of it before. It's even caught the attention
of government financial departments to ponder on. Even the federal
securities are talking about HYIPs. So what’s the big story
behind this four letter word ? Let’s find out through this detailed
report, which is based on what we learned from other experienced people,
some of which have many more years than we do of field experience
in this arena.
What does
'HYIP' mean?
HYIP, simply means “High Yield Internet Program”. It’s
exactly what it sounds like. These companies ask you to provide them
with a loan of money and they promise to repay you with interest payments
on a Daily / Weekly / Monthly Basis.
The return you receive
on your funds ranges from very small to very large percentages and
could be spread over a long period of time. You'll usually recoup
your original spend in about 2-3 months, and from then on it's pure
profit.
HYIP’s are probably
the most profitable returns available today. Some can give you up
to 100% return on your spend per month. This industry is growing by
storm everywhere on the internet. There have never been opportunities
such as this to give such a high profit within the shortest amount
of time.
There are many different HYIPs on the internet with many different
methods of payment and repayment.
Please Just Dont Spend
Your Hard Earned Money Into Every
Single HYIP That Is Out There.
Around 90%+ of these HYIP
programs are scams. If you follow the steps in this guide, you'll
make great profits like we do.
What do these HYIP Companies do?
Most of these companies will follow a unique strategy to gain a high
level of profit. They manage their/your funds in the most efficient
way to ensure the profit return for their clients. Some of them will
use in the stock market, others in property, bonds or Foreign Exchange
(Forex).
Most of the time a company
will use a combination of opportunities to generate such a high profit
margin. Each company usually has their own unique strategy.
Are HYIP's Legal?
The real HYIP's are legal,
but they're only legal if you declare your earnings from them on your
tax return. Contact a qualified tax professional for more assistance
in how to deal with this type of earned income.
Can
there be fraud in HYIPs?
Yes there can be, and there is plenty of it online. From our research,
as many as 97% of the HYIP Programs out there are fraudulent programs
run by scammers. They're are just there to take your money and run.
These HYIPs usually last no more than 3-6 months. That's why it's
wise to do your due diligence before spending any money.
Security
To start off with, the subject of internet security is probably the
single most important subject to consider when dealing with money,
or currencies on the internet. Hacking has become a major problem
that cannot be ignored.
There are many methods
used by the hackers today, and they're figuring out new ways to do
it every single day. SpyWare and Keylogging programs are one of the
most practiced forms of gaining information that's used to rob individuals
of their funds from their E-Currency Accounts on the internet.
It's our personal
opinion that if you purchase the best security you'll have the best
security, and if you intend to protect programs that involve a good
deal of money, then you should consider the purchase of the best software
to be a really good investment.
Due
Diligence Tools
IF you understood even
a fraction of what this is all about, you would know that due diligence
is not something that can be done on HYIP's the same way you
would with a typical licensed firm. If you're coming in with $10 M,
you'll be able to satisfy yourself about legitimacy with irrefutable
proof (sometimes certificates of deposits), because you will deal
directly with the paperwork of the trade itself -- paperwork that
even your own intermediary may not get to see.
Sometimes a person with
$1 M is lucky to be able to get a sole signature account and be privy
to more info -- but it's not the norm. As for the rest of us? Forget
it.
To put it more bluntly,
this business is a PRIVATE sector. There are usually no public
registries, no BBB listings, no bankers or licensed brokers who will
confirm anything, nada, zero, zilch. That's just the nature of this
industry.
Although you CAN
do basic due diligence on any program, here's
how:
Using
www.whois.sc is a great way to
look at the statistics of companies' registrations, see also
what country they're in, who they're registered to, etc... as well
as any technical data, like SSL Certificates and expirations.
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
http://www.dnsstuff.com
Step Two: Before participating in any program, review
the Web Site Owner's operation location, and ascertain if you
feel comfortable with the Web Site. In the event of fraud by the web
site owner, you can locate them and have them reported to Internet
Fraud Authority.
Step Three: Search who their Internet Service Provider
(ISP) is. Track down the IP Address belonging to the organization,
email contact, etc. In the event of fraud by web site owner, you can
file a complaint. With this powerful tool you can force the Scammer
to close up his web site or get shutdown by their ISP.
Step Four: If you've been deceived or ripped off, submit
full details of the particular web site (refer to step one) with your
e-payment confirmation and file a complaint email to the following
organizations to alert the relevant authorities of Internet Fraud:
1. Internet Fraud Coordinator: ifcc.tp@fbi.gov
2. ISP Provider; abuse@........
(refer to Step One, search the abuse email contact of
their ISP Provider /and IP Address belongs to…and complain to
Network abuse).
3. Locate authority (refer to web Registrant station address, search
on Internet to locate
their local country authority; such as “address/state police”
or “(country) government authority”.
4. E-gold Service & CC to web site owner.
Is
there any risk in HYIPs?
There's risk in any business. If you can’t take a risk,
then you can't expect to gain either. The bigger the risk, the bigger
the return. These HYIP companies manage their money in the high-risk
arena and that’s why they also make such a high profit. So there's
always a risk of losing money, which can happen with any business.
The same is true if you put your money in the stock market on your
own. That’s why it’s always best to spend a comfortable
amount you can afford to risk.
How
Much Can I Make?
It depends entirely on
how much you spend (obviously the more you spend, the more you make),
and the daily percentage of the program (higher daily percentage =
more money daily).
How
Much Can I Lose?
Again, you can lose as
much as you spend. Therefore remember the golden rules of HYIP:
ONLY SPEND WHAT
YOU CAN AFFORD TO LOSE, AND DIVERSIFY!
How
Much Can I Spend?
Depends on the company.
Some companies allow you to SPEND from $1.00, and most have no upper
limit. Check the specific company for more details.
How do you Spend in these programs?
Most HYIP’s use different types of e-currency as their way of
accepting funds .
E-gold
is the most used e-currency, but there are also other e-currencies
such as
Paypal,
Intgold,
Netpay,
Stormpay
and many others, which you may see here
Other E-Currencies . E-currency
has become a very popular way of exchanging money online. It's also
used by various merchandise websites as an accepted payment method.
Given the fact that the HYIP industry is very risky, most people tend
to be very reluctant when comes to HYIPs, even if they're legit. There
have been cases where people have thought they’ve found an incredible
opportunity and happily spent their whole fortune. When the programs
later went out of business, the consequences have been devastating.
Considering both positive and negative aspects of HYIP's, the conclusion
is IF the selection of HYIPs is done properly, it can be extremely
profitable.
If you enter into any of the programs on the net, it's of your own
choosing; realizing that all HYIPs are an arena of high risk. It would
be presumptuous to assume ALL programs and opportunities are going
to reward you with a return indefinitely; some will fail due to the
nature and volatility of this arena.
But, sow enough seeds
and many will grow. Long-Term Protection lies in a simple strategy:
D-I-V-E-R-S-I-F-Y
In other words, don't
put all your eggs in one basket.
This philosophy and game
plan to create income in this internet arena is simple and has been
working in spite of the many programs that fail. Getting in the black
is the mission here and is attainable IF you follow the 3 rules of
HYIP's that we'll discuss very soon.
So ... lets get
started.
9
Steps to Getting Started
Before you can
get started with High Yield Internet Programs (HYIPs) there are a
few things that you'll need to have in place (if you don't already
have).
We have broken them up
into 10 steps to make it easier to follow. Some of the steps you might
already have in place so just 'step' over them and continue with the
next one.
1. USERNAME
Choose a online program name for yourself that you'll be using in
all the programs from now on. You can use your real name but most
people have a 'online name' for use in forums and programs.
2. PASSWORDS
(Ours is *********) :-) Get yourself a password manager. (Manual or
Roboform). In some of the e-currency accounts you'll need two passwords.
Choose or assign a different one for each program. You'll also need
passwords for some Forums and Chat Rooms to participate. If you're
not using a manager, get about ten ready. Make them good and at least
12 characters.
Please Click Here To Visit RoboForm
Roboform software is our personal recommendation for keyless
password entry into any program or site that requires a password,
and can also be used to quickly access those sites, with one click,
that either do or don't require a password.
It's a great software
program that keeps all of your information handy and fills in all
kinds of forms. There are those who debate about keeping a program
like this on your PC, but if you utilize a full internet security
program (like a firewall, anti virus software and spyware removal
tools), then this form filler is safe and can do your password
entries without using key strokes.
We highly recommend
that you go ahead and purchase
RoboForm Pro. It has unlimited
passcards and you can install unlimited custom info fields.
It's the greatest information entry time saver available on the net
at this time, and like we said, it will securely enter your saved
passwords without keystrokes.
It also keeps you from
forgetting the entry information to all of your programs, and the
data can be backed up, so you wont lose it if your PC crashes.
It also stores the URLs you need for entry to your programs. We just
cant say enough good things about it and We would probably be lost
without it.
3. EMAIL ADDRESS
Have your email address handy. Depending on how you're currently working,
it might be a good idea to get a second/third email address. Preferably
not a free email address like hotmail or yahoo.
Remember all the correspondence
relating to HYIP Programs will now go to this email box. You'll also
get your program verifications and passwords at this email address.
If you're going to refer others to your programs, you might want to
have referral mail to come to a different email.
The only important email
address is the one that you'll enter at all the HIYP Programs and
e-currency accounts as it may be very difficult to change later due
to security reasons.
4. THE PLAN
"The Plan"
is to eventually fund 10 plus programs, and as soon as some pay out
widen your programs to up to 30 or more. Your faith in "The Plan"
then matures and grows stronger as the overall financial picture,
including wins and losses, balances and produces and positive cash
flow. The programs themselves individually are not the focus except
to try and do as much due diligence as possible so you enter the best
20 that are paying and have the longest track records. It's too easy
to want to put ten or twenty grand into a couple programs and be done
with it; but it's much safer to fund $500 to $1,000 in twenty different
programs that are considered the best programs. Then when one or two
fail; it's no big deal. Concentrate on the "PLAN" not
the "programs".
(This is a guideline - you may have your own - but DO HAVE a Plan).
Without a Plan is like taking to the seas without a compass or charts,
it's a ship without a rudder. We are serious, make this the corner
stone of your program and you won't fail.) There are two parts
to this, the Spending Plan and the Timing Plan.
SPENDING PLAN: With your
initial funds, select several programs that seem stable. See
Passive Income Programs for some
of our personal choices. Out of the selected programs you choose,
rank them in order from 1 - 7 (best chances of being able to payout
to worse, highest to lowest ROS (Return on Spend), or most to least
daily time required , etc. whatever your particular requirements are.
Some people don't have the time to auto-surf, others have limited
funds, but lots of time, etc).
After ranking the 7 or so programs from best to worse, spend the following
percentage of your initial funds:
Program 1 - 25%
Program 2 - 20%
Program 3 - 15%
Program 4 - 15%
Program 5 - 10%
Program 6 - 10%
Program 7 - 5%
For example if you're starting with $200 to invest with, you'd spread
it out accordingly:
HYIP 1 - $50
HYIP 2 - $40
HYIP 3 - $30
HYIP 4 - $30
HYIP 5 - $20
HYIP 6 - $20
HYIP 7 - $10
This will get you off to a good start. Then as money starts rolling
in, you can harvest and re-spend into new programs, or even into the
programs your already in.
TIMING PLAN: Then decide
and do a Timing Plan of when you'll re-spend/withdraw your
initial spend/withdraw earnings. Decide upfront how much you want
to spend and when. Then use the program's rules and set the date that
you'll have received your initial spend back.
Make notes of when, where
and how you'll re-spend your profits. Enter dates that you would expect
to get profits and then decide what percentages you will re-spend
and what you will takeout.
Once you've completed your plan, put it somewhere that you can look
at it everyday and take action accordingly. If you make new spends,
add them to your plan and keep updating your plan with action dates
set all along the way. This way, you'll have no problem in making
a good return on your money. The main thing to remember is that you
must Stick To The Plan. Sometimes a program looks very
tempting to leave funds in and just let it grow. Be careful, this
is when your risk just doubles with each period the fund stay out
there. Stick to the plan and don't let the greed factor creep in!
How long does it take
to become a millionaire with an HYIP?
Let's assume you start with $500 to invest.
Here's how long it would
take to go from $500 to $1,000,000 at various rates of interest
compounded monthly using an online High Yield Investment Program.
5%________Forever! (Almost)
10%_______6 years 8 months
15%_______5 years 6 months
17.5%_____ 4 years
20%_______3 years 6 months
30%_______2 years 5 months
40%_______1 year 11 months
50%_______1 year 7 months
60%_______1 year 5 months
70%_______1 year 3 months
80%_______1 year 1 month
90%_______1 year
100%______11 months
110%______11 months
120%______10 months
130%______10 months (+2 weeks)
140%______9 months
150%______9 months
There are some interesting things to learn from this chart.
From 5% to 10% there is
a massive drop in time, there is another pretty big drop at 20%, a
smaller but worthwhile drop at 30%, again at 40% and marginally at
50%, but from there each 10% more has a rather small effect.
From 80% to 150% notice that even though you have almost double the
interest (added 70% to it) you only shave 4 months off the time (reduced
the time it takes by about 30%)
Making a bar graph of the above (with 10%, 20%, 30% up to 100%) will
show you what the best percentages are.
Bar Graph - Time in months
to become a Millionaire
How long to go from $500 to $1,000,000 at various rates of interest
compounded monthly?
10% llllllllllll
llllllllllll llllllllllll llllllllllll llllllllllll llllllllllll llllllll
15% llllllllllll llllllllllll llllllllllll llllllllllll
llllllllllll llllll
20% llllllllllll llllllllllll llllllllllll llllll
30% llllllllllll llllllllllll lllll
40% llllllllllll lllllllllll
50% llllllllllll lllllll
60% llllllllllll lllll
70% llllllllllll lll
80% llllllllllll l
90% llllllllllll
100% lllllllllll
110% lllllllllll
120% llllllllll
130% llllllllll
140% lllllllll
150% lllllllll
The graph shows us very
clearly that between 30% and 50% is the best range.
However, 20% is a big advantage over 10% that's for sure, and is the
first really worthwhile interest.
Later on, you'll want more
security and you'll have a broader base of more secure lower paying
programs to provide it. You can go on vacation without worrying that
your Very High Yield risky fund has collapsed and taken a large percentage
of your "float" with it.
Of course, all the above is based on the assumption that something
that gives a 60% interest per month is more than 3 times riskier than
20%. (and will have less than 1/3rd the life span).
Not always true, but a rule
of thumb. You've got to remember that none of these is like the "spend
and forget about it" rules of conventional 3% a year federally
insured bank accounts. It's like being an independent adult. You can
lose. No one is going to take that loss for you. But let us tell you
this, the rewards are much greater also, and they are ALL yours when
you earn them by your own self-discipline, persistence and experience.
5. OPEN YOUR E-CURRENCY
ACCOUNTS
Use a list of the programs you intend to participate in step 4 above
and then list the e-currency accounts working in each program.
The rates at E-Currency accounts is less than at others like Stormpay
but Stormpay is easier to use with credit cards as you don't need
to fund upfront.
Now open these e-currency accounts:
[Click
here for E-Gold] [Click
here for INTGold]
[Click here for StormPay]
If you don't already have e-currency accounts, we suggest opening
them right away. E-gold and INTGold are the most widely
used e-currencies amongst HYIPs and are free to join. The most prudent
thing to do is open an account with ALL three though.
6. VERIFICATION
You'll need to verify your ID with some of the e-currency accounts
to be able to withdraw funds later. (And in some cases to fund your
account). This is mostly for your security, and also to verify
that you're not laundering money. To do this, you'll be required to
send a copy of your Driver License/Passport photo ID, Utility Bill,
etc. See individual programs for requirements.
7.
FUND YOUR GOLD ACCOUNTS
It's
very important that you fund these accounts prior
to joining any program. Most programs require you to spend immediately
upon joining or give you a time limit to make your first spend. The
links below are AUTHORIZED EXCHANGERS.
Authorized exchangers are able to accept your money and exchange
it to e-currency. Each one has their own set of fees and instructions.
Read over them carefully to learn how to get your account funded.
Best to choose one that will do it all for you. They're in no particular
order.
To
fund your E-Gold account using money
order or bank wire:
To
fund your INTGold account using your credit
card:
To
fund your INTGold account using a bank
wire:
8.
FOLLOW THE 3 RULES OF HYIP - Simple as 1, 2, 3
Rule
#1 - Don't play with the milk money! In other words, never
use funds you can't afford to lose. Do
not max out your credit cards or spend money that you need
to live on. Do not deplete your savings or put your financial health
at risk, EVER! ...Got it? ;o)
Rule #2 - Your Principle is your PAL. Recover
your principle. Be sure to pay yourself back your initial spend as
soon as possible so you can plant the next harvest.
Rule
#3 - DIVERSIFY! Spread
out whatever amount you have to work with into at least 5-10 programs
(minimum) to reduce your risk. Never put all your eggs in one basket.
If one venture goes
sour you still have the others intact to produce income. Some will
go sour! If you don't enter this arena intending to fund many different
programs overall before you're done; you shouldn't be playing here
at all - you'll get burned. Funding two to three programs with large
amounts is financial suicide; just like it is in the stock
market. Just like the "Mutual Fund" approach, focus on the
overall "Plan"; not on a single program or two.
Build your program list up to no less then seven to ten, it may take
time but this is the proper way. Do not, we repeat, Do NOT, lay your
faith on a single program or two. It can destroy you and make
you bitter and blind in this arena.
Remember to also be
patient - We only had to "burn our hands on the stove"
one time to learn that lesson! Smart money stays in an income-earning
position. Impatient money always loses, always!
9.
FUND
If you got this far and all has gone according to plan (expect that
there may be a few delays as verification sometimes take a day or
two), you should now do your initial spends in all the programs. Visit
the sites daily or as often as you can. See your money grow and monitor
the accumulated funds. Remember, take out your initial spend as soon
as possible. Now use your plan and follow it daily. Make changes to
your plan as and when required.
Additional HYIP
Tips
For
Beginning HYIP Investors
For Intermediate HYIP
Investors
For Advanced HYIP Investors
Tips
for those Beginning In HYIP
Tip #1: Don't let
large amounts accumulate; take smaller profits often and you'll see
REAL money. Even from the most stable 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
real money instead of missing out on what you thought you had.
Tip #2: Don't jump into new programs right away. We know; "ground
floor opportunity, first in gets the worm". Wrong! Truth is,
MANY programs never make it through launch. The facts?? If it's good
this week, it will be good next week or a month or three months from
now. Let the program establish a payout history with good customer
service before putting money into them. With some exceptions, we don't
really join new programs right off the bat. If they're still around
in another month and everyone who's in them is happy with the program,
then it's time to take another look at it. One way to check is to
read each program's member forums.
Tip #3: Don't put large amounts of money into newbie programs
no matter how good they look or how well they come recommended. Time
is of the essence. We can name many programs last year who paid
out for three or four months and then POOF!... vanished within thin
air into cyberspace.
Just as everyone got comfortable
with them and started putting some real money into them; they disappeared.
Continue using the same strategy of recouping seed money ASAP and
building your portfolio with half the profits each time the program
pays out; and putting half the profits into your pocket each payout.
Small profits in lots of programs beats a big loss in a single program
or two.
Tip #4: Anticipate some rough water ahead and weather
it out while the administrative end of some programs catches up with
the trading and sign-ups as enrollments escalate. Most programs with
small Admin Staff have no concept of how many people can enter a program
off the net in a short period of time. It doesn't take long to get
in a real pickle admin-wise. And remember, only fund programs that
have real contact people; like real email, phone and fax numbers to
communicate with, real snail mail addresses and places of business.
DON'T do business when the program gives you only an e-gold account
number to do a spend to and a ziplip, hushmail, hotmail, or yahoo
address as the only means of communicating with them.
The Internet Arena works at producing income for those willing to
apply the rules above, but it's a vicious minefield for the uneducated
and the "I'll do it my way-ers".
A good philosophy to apply in this arena is best described by Alexander
Graham Bell 1847-1922, Inventor and Teacher of the Deaf: "When
one door closes another one opens; but we so often look so long and
so regretfully upon the closed door, that we do not see the ones which
open for us." This is very true in this arena.
Tips
For Those Intermediate
In HYIP (For
those of you who have been active in HYIPs for over 2 months)
If you're one of those people who've been active in HYIPs for over
2 months, you've probably already gotten a sense of what kind of returns
you're capable of making. However, even experts need a strategy. Here's
a strategy that we feel works well for the novice in HYIP's:
Remember, the key to long term success is "diversity". Without
diversity, that $1000 that you've spent in only 3 programs could easily
evaporate in minutes. Even though a lot of program admins don't admit
it, a lot of programs really use their funds to spend into
other HYIP's.
If you're only in 3 programs
- Programs A, B, & C - your risk of having a domino loss of your
funds is more likely. For example, Program A is a huge successful
program that's been running for 2 years. They've gotten everyone's
confidence, including the confidence of program B. Program B spends
1/2 of all their funds into program A, expecting the returns to continue.
Program C's admin, on the other hand, is great friends with the admin
of Program B. He has 100% confidence that Program B's admin won't
run off with the money, and spends 60% of their funds into Program
B.
Everyone thinks they're secure, until Program A loses all its money
by hiring a bad Forex Trader. In turn, Program A can no longer afford
to pay, so they close up. Program B then loses 1/2 of its weekly revenue,
since this money was in Program A, and decide that they no longer
can afford to payout. Program C, then loses 60% of its revenue, and
also closes up. All this can happen in less then one week. Your $1000
into 3 programs, that seemed very stable, has vanished into thin air.
This is exactly why diversification is so very important.
When you're spending large amounts (by large amounts, we usually mean
over $1000), you should spread this money across at least 8-10 stable
programs. This will prevent you from suffering a domino collapse of
massive proportions. Those 8-10 Programs you pick should be a mixture
of daily, weekly, and monthly payers. What typically works well is
that you distribute your funds like this:
Daily Payers - 25%
Weekly Payers - 45%
Monthly Payers - 30%
How to pick a stable HYIP - Daily, Weekly,
or Monthly payers?
HYIP's are usually set up to pay a percentage of your deposit back
in Daily, Weekly, or Monthly payouts. Are any of these payment structures
more secure and reliable then the others?
We have found that different payment structures lead to different
states of security and longevity of an HYIP. As a general rule, the
least secure of these structures are the daily paying programs,
although some have been around for almost 2 years and going strong.
These programs usually claim to offer anywhere from 0.5%-7% per day
(Gold games often offer much more then this per day. Stay away from
all gold games unless you're a gambler).
We have found that Weekly
paying programs, followed closely by Monthly payers, have been much,
much more reliable in the long run. Sure you'll find scams in weekly
and monthly programs; however, the risk is slightly less then that
of daily paying programs.
It's hard to say exactly
why Weekly and Monthly programs tend to last longer and be more secure
then Daily paying programs. Perhaps it's because Daily paying programs
don't have the ability to spend their funds into long term less risky
places, while weekly and monthly payers can spend their funds into
more stable longer term places. This also allows them to compound
their funds. A program will only last as long as it's funds
payoff a greater percentage then they have to pay to their members.
This is why you're probably better off by placing your funds into
a variable weekly paying program.
Tips
For Those Advanced
In HYIP.
In reality, we shouldn't be giving strategy to those experienced in
HYIP, since they've probably already made profits and know what works
best for them. By being experienced, we mean you've gone through the
ups and downs with HYIPs and learned what works and what doesn't.
Diversification was the key for the beginners and the novice . Diversification
is also the key for the experienced , but it's a little more
manipulative. All active in HYIP no matter how experienced you are
and no matter what you're involved in,should diversify.
However for those experienced
in HYIP , diversification means spending in more then 4-5 programs
rather then 8-10. As one becomes experienced in the field, they learn
what types of programs pay, and what ones turn out to be scams. Usually
at any time, there are at least 5 top HYIPs out there that have been
paying for a while and don't show signs of failure. Being experienced,
you would diversify your funds among these 5 programs.
Should you spend more in one than the other?
That's really up to you.
However, keeping the spends in each program within 20% of each other.
For example, if you have $10,000 to start with, your breakdown would
look something like this:
Program #1 - $2,000
Program #2 - $2,400
Program #3 - $1,600
Program #4 - $1,800
Program #5 - $2,200
As you can see, all the programs are within 20% of the average spend
($2,000). This might be hard to do sometimes, but we have found that
keeping the spends within 20% of the mean spend provides stability
for your funds. Other than this, you have to see what works best for
you.
Personal
Privacy
In today's day and age,
your privacy is always at risk, sometimes more than you'll ever know.
The credit reporting agencies routinely sell your NAME and PERSONAL
INFORMATION to any sales company willing to pay for it.
If you live in the
U.S., below is a phone number and website they don't want you to have!
Call this number or visit this website to opt-out from this practice.
Once call or visit gets you off every credit reporting agency for
sale list. Take this opportunity to stand up for your privacy that
that of your family. This Opt Out method is free and totally automated.
Call 1-888-5OPT-OUT (1-888-567-8688). Alternatively
you can do this online by visiting:
Opt Out Pre-Screen
About
Firewalls
This section
is reprinted from Shields Up
A firewall ABSOLUTELY ISOLATES your computer from the Internet using
a "wall of code" that inspects each individual "packet"
of data as it arrives at either side of the firewall - inbound to
or outbound from your computer - to determine whether it should be
allowed to pass or be blocked.
How does a Firewall Work?
All internet communication is accomplished by the exchange of individual
"packets" of data. Each packet is transmitted by its source
machine toward its destination machine. Packets are the fundamental
unit of information flow across the Internet.
Even though we refer
to "connections" between computers, this "connection"
is actually comprised of individual packets traveling between those
two "connected" machines. Essentially, they "agree"
that they're connected and each machine sends back "acknowledgement
packets" to let the sending machine know that the data was received.
In order to reach its destination - whether it's another computer
two feet away or two continents distant - every Internet packet must
contain a destination address and port number. And, so that the receiving
computer knows who sent the packet, every packet must also contain
the IP address and a port number of the originating machine.
In other words,
any packet traveling the net contains - first and foremost - its complete
source and destination addresses. As we've seen earlier on this site,
an IP address always identifies a single machine on the Internet and
the port is associated with a particular service or conversation happening
on the machine.
Look what this means! . . .
Since the firewall software inspects each and every packet of data
as it arrives at your computer - BEFORE it's seen by any other software
running within your computer - the firewall has total veto power over
your computer's receipt of anything from the Internet.
A TCP/IP port is
only "open" on your computer if the first arriving packet
which requests the establishment of a connection is answered by your
computer. If the arriving packet is simply ignored, that port of your
computer will effectively disappear from the Internet. No one and
nothing can connect to it!
But the real power of a firewall is derived from its ability to be
selective about what it lets through and what it blocks. Since every
arriving packet must contain the correct IP address of the sender's
machine, (in order for the receiver to send back a receipt acknowledgement)
the firewall can be selective about which packets are admitted and
which are dropped. It can "filter" the arriving packets
based upon any combination of the originating machine's IP address
and port and the destination machine's IP address and port.
So, for example,
if you were running a web server and needed to allow remote machines
to connect to your machine on port 80 (http), the firewall could inspect
every arriving packet and only permit connection initiation on your
port 80.
New connections
would be denied on all other ports. Even if your system were to inadvertently
pick up a Trojan horse virus program which opened a Trojan listening
port to the outside world, no passing Trojan scanner could detect
or know of the Trojan's existence since all attempts to contact the
Trojan inside your computer would be blocked by the firewall!
Or suppose that
you wish to create a secure "tunnel" across the Internet
to allow your home and office computers to share their files without
any danger of unauthorized intrusion. Firewall technology makes this
possible and relatively simple.
We
hope we have conveyed some sense for the powerful benefits and features
created by firewalls. At a cost ranging from $29 to $39 USD, these
personal firewalls are a terrific bargain!
THE MECHANICAL FIREWALL
A mechanical firewall, such as a NAT router or a DSL modem, and software
firewalls such as Zone Alarm, System Suites Net Defense, Norton Personal
Firewall, and others too numerous to mention.
A NAT router, such
as Linksys, actually acts as a mechanical barrier between the internet
and your PC. There are many on the market and a good computer store
will carry a good selection of the best of them. Be sure, though,
that your system has one of the following, an ETHERNET or a USB port
present and open.
This will be necessary
to utilize a NAT router. If you don't have this on your PC, then you
can purchase a PCI card that will add this to your system. The ETHERNET
connection is the preferred connector for a router. A DSL modem also
acts as a mechanical barrier between the internet and your PC. Most
of the time if a hacker sends a mass ping out, a DSL modem, or a router
is what he will see on the ping. Not your computer. Regular dial-up,
and cable modems are not quite as secure as DSL. So, if you want to
really be secure, then start with a NAT router. If you have DSL, then
you wont need a router unless you want to link to the net with several
computers.
THE SOFTWARE FIREWALL
A software firewall, in a way sort of confuses a hackers attempts
and even in some cases logs the hackers attempts at entry into your
system. Software firewalls can be an extremely effective way to thwart
a hacker and protect your sensitive data.
You can set a software
firewall to conform to your individual needs and most software firewalls
have a good help system and directions to aid you in the setup of
the software. A good software firewall enhances and strengthens a
good mechanical firewall.
A mechanical and
a software firewall work hand-in-hand with each other to make your
system invisible to hackers.
There are several good
firewall programs available, and a search via google using "firewall"
as this subject will get you a list of them to look over.
Spyware
Spyware is another
thing to consider when developing your personal internet security.
Spyware is very
sneakily installed on your computer via free programs, toolbars, smiley
face programs, email program addons and even via autosurfing programs.
It also can enter, and so can viruses, in your email as it comes into
your computer daily.
Spyware sits in
your computer and reads your sensitive data and surfing habits and
details of the sites you visit, and sends the info to the person or
persons who did the sneaky install. It is not a very ethical thing
to do, but it is done to almost everyone everyday.
There are many good stand
alone anti-spyware programs available for free download. These include
SpyBot Search and Destroy, Spyware Guard, and many others. Again,
a search via google will turn up many choices. Just enter "spyware"
as the subject.
Virus
Protection
Spyware can enter
your computer in the form of Virus, or Worms, and also Trojans. A
Trojan is named after the "Gift Horse" used in the war between
Greece and Troy. And it comes in the form of an innocent or inconspicuous
file or program. It gets into your system and sends out information
such as passwords and ID names to the person, or persons, who installed
it or sent it to your PC.
A worm gets into
your system by innocent means such as email attachments etc. A virus
can enter your system via any download or email or attachment to an
email.
Viruses are the most destructive
kind of PC invasion. Some viruses, once activated, can totally destroy
your system's BIOS and can totally wipe out your hard drive. So a
good anti-virus program is vital to good internet security.
So...in summary...A top level internet security system will consist
of a Mechanical Firewall...a Software Firewall...a good
Anti-Spyware program...and a good Anti-Virus program.
We Are going to list a few of the programs available for a price
and a key word to use to access a variety of free and paid for options
later in this guide.
A good program to self test your security online is called Shields
Up. Here is the link to use it
Please
Click Here To Visit GRC Shields Up (It's FREE)
Gold Currencies
Most, if not all HYIPs use Gold Currencies
for funding Program Accounts. Gold Currencies link together financial
institutions and markets across the globe in a way that allows
instantaneous value transfers with a fraction of the paperwork
and fraud associated with traditional bank wires and credit cards.
Here are some of the reasons that Gold Currencies are the best way
to do business on or off the Net! They're cheaper! Transaction costs
using credit cards or PayPal range from 2.5% to 4.5%. International
bank wires cost, on average, $40 to $70 using Western Union.
Gold Currencies allow transactions to take place from as low as 0.1%
to 1% on the very high end (e-gold). In other words, the cheapest
Gold Currency on the net allows online transactions for FORTY-FIVE
TIMES LESS than credit cards.
Here's another thing. Bank wires in-country take at least three days
to clear. International bank wires can take up to three weeks to clear!
Gold Currencies solve these problems by allowing INSTANTANEOUS and
NON-REVERSIBLE transactions! Gold Currencies solve that problem by
allowing instantaneous transfers of money anywhere in the world!
As the network of exchange agents and market makers grows, it's now
possible to quickly and easily convert your digital currency to cash
in any country in the world.
Some Gold Currency Debit Cards allow account holders to withdraw their
converted gold or silver bullion to cash through any ATM machine on
the planet! This means that no matter where you are, if you can find
an ATM machine, you can convert your Gold Currency into cash in the
local currency!
There are several companies
now offering Gold Currency linked debit cards. Gold Currencies are
safe! Credit card fraud is becoming increasingly prevalent as hackers
steal card numbers from computer networks, crooks root through your
garbage and steal your identity, and other nefarious thieves devise
ways to get your account number.
Digital Currencies offer a higher level of security than credit cards.
Even the lowest level of security for digital money, an account number
and password, is a magnitude safer than a credit card. All a thief
needs to steal a credit card is the account number. With digital currencies
the merchant never sees your password, so it is impossible for a thief
to steal it, unless you give it to him yourself (by letting him access
your computer - see our article on protecting your computer from hackers).
Gold Money supports digital certificates for customer identification.
These certificates cryptographically verify that you are you. This
makes it more difficult for thieves from accessing your account.
Gold Currencies allow
one thing that credit cards never will: Person to Person Payments.
Gold Currencies Allow You to Protect Your
Privacy!
It's a known fact that traditional banks keep massive database tracking
all of your account activity in the name of "know your customer"
and "fighting the war on drugs".
But in reality, we all know that those banks conveniently use those
databases to sell information about their customers spending habits
to other companies, and governments use that data to find excuses
to confiscate your money and property. So, not only does your government
have access to all of your spending habits, but so does any individual
or organization who wants to buy it.
Most Gold Currencies are based in "capital-friendly" jurisdictions
with strict privacy protection laws. For someone to get your account
information they have to obtain a court order in the country that
your Gold Currency is housed.
This means that true crimes can be prosecuted, but that your privacy
will remain intact if you're just an average law abiding customer.
Think of it as guaranteeing yourself the right to "due process".
Furthermore, money laundering is not really an issue since you have
to spend your national money (such as dollars) through an exchange
agent in order to purchase Digital Currency in the first place.
Since exchange agents
all have accounts at banks with anti-money-laundering practices in
place, this means that all money used to purchase digital currencies
is theoretically "clean". Clean money in, clean money out!
So, Gold Currencies are able to provide privacy to their customers,
and still be able to guarantee that they're not being used for money
laundering. As long as all the money coming in and out goes through
banks with anti-money laundering practices in place, then money laundering
is impossible.
Furthermore, all of the Gold Currencies in business at this time are
firmly committed to discouraging crime and money laundering, while
at the same time protecting the privacy of their account holders.
Why use Gold Currencies for HYIP? Because they're cheaper, faster,
safer, global, and private.
HYIP
Glossary And Terms
The following terms are
directed toward High Yield Internet Programs (HYIPs). Please let us
know if there are other words that need to be added to this list.
Account Center - The account center is where you view (some
or all of the following information is available) your statistics,
profile, purchase positions, manage positions, withdrawal, advertising,
referrals, contact us, and logout.
Auto-Deposit - When your money is automatically deposited into
your account.
Auto Reinvestment Percentage - A certain percentage of cycled
money is kept and automatically re-spent back into the program and
stays for a certain time limit.
Back Room/Back Office - The back room is where you view (some
or all of the following information is available) your statistics,
profile, purchase positions, manage positions, withdrawal, advertising,
referrals, contact us, and logout.
Banner - An advertising tool provided by the company to promote
the Program. Thus enabling you to earn Referral Commission for new
signups.
Commissions - Compensation received for a Referral signup.
Compounding - To compute (interest) on the principal and accrued
interest. Compounding is an option which you can increase your principal.
If you choose 100% compounding rate, for instance, all your daily
profit will be added to the principal. This way, on the following
day, interest will be calculated on the principal + the amount of
the previous profit payout.
Compounding Frequency - The number of compounding periods in
a year.
Compounding Period - The length of the time period that elapses
before interest compounds.
Compound Interest - Interest paid on previously earned interest
as well as on the principal. For example, interest earned in one period
earns additional interest during each subsequent time period.
Debenture - General debt obligation backed only by the integrity
of the borrower.
Diversification - A technique intended to minimize risk by
placing money in a number of securities. In a diversified portfolio,
a decline in the value of one stock, for example, would not dramatically
affect the overall value of the holdings.
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 integrated into an account based payment
system that empowers people to use gold as money. Specifically, the
e-gold payment system enables people to Spend specified weights of
gold to other e-gold accounts.
Exchanger - A company which is able to convert your cash dollars
into e-currency.
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.
High Yield Investment Program - High Yield Internet Program
is just what it sounds like, a program offering a high yield
return.
HYIP - Short for High Yield Internet Program.
Interest - The price paid for borrowing money. It is expressed
as a percentage rate over a period of time and reflects the rate of
exchange of present consumption for future consumption.
INTGold - INTGold is a digital currency, online payment system,
debit card service, and IntGold account processor.
Login - To login is to provide your username and password in
order to have access to the back room or member's area.
Logout - This enables you to end your session within a member's
area of a Program.
Manage Position - Manage Position is located in the back room/member's
area. This area provides information on your transactions in the program.
All or some of the information is provided on the page: payment mode,
amount invested, cycled amount, purchase date, expected cycle date,
cycled, and paid.
Maximum Spend - The most amount that you can pay into a program
in one day.
Member's Area - The member's area is where you view (some or
all of the following information is available) your statistics, profile,
purchase positions, manage positions, withdrawal, advertising, referrals,
contact us, and logout.
Minimum Spend - The least amount of money accepted in order
to join the program.
Non-Compounding - Does not compute (interest) on the principal.
Payment Processor - A Payment Processor allows anyone with
an email address to send or receive payments using e-currency.
Profile - The personal information of a member.
Re-invest - This is the amount that you would put back into
the program to cycle again.
Referral - A person that you referred to the program.
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.
Risk - The measurable possibility of losing or not gaining
value.
Sponsor - A sponsor is a person who has referred people to
a program.
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 back room/member
area: You view your total spends, amount paid, amount available, referral
bonus, total referrals, referral URL, and if available downloads.
Withdrawal - A requested amount that would be deposited back
into your e-currency account and not re-cycle through the program.
HYIP Terms:
A.
ACH: Automated clearinghouse
ADB: Asian Development Bank
ADR: American depository receipt
Affiliate: If you become an affiliate to a program you earn a commission
when someone you refer, signs up. You may also get a commission on what
they spend.
AfDB: African Development Bank
AFRIPA: Association of African Investment Promotion Agencies
AGOA: African Growth and Opportunity Act
APEC: Asia Pacific Economic Co-operation
Arbitrage: A means of betting on either option and guaranteeing you
a profit.
B.
Bank debentures*
BI: Banner Impression
BIS: Bank for International Settlements
BOC: Business Operating Conditions
BOT: Build-operate-transfer
C.
CAC: Create A Click (type of script
used by Get Paid Programs)
CAC: Collective action clause
Capital*
CDS: Credit default swap
CEEC: Central and Eastern European countries
CIDA: Canadian International Development Agency
CIS: Commonwealth of Independent States
commodities: Just about anything that can be traded. The term is mostly
used to describe the futures market for trading in raw materials.
Compounding: Adding interest to your principal so that you earn more
interest. Makes your investment grow exponentially. Very powerful if
you are a shrewd investor.
CP: Currency pool
CUP: Cooperative Underwriting Program
D.
DAC: Development Assistance Committee
DBA: doing business as. A fictitious business name for a company or
individual.
DD: due diligence. Investigating the wherewithal and bona-fide business
foundation of a company.
DDOS: It stands for Distributed Denial of Service attack. This is often
use by admins to run away and scam people.
Derivatives*
DFID: Department for International Development
DGC: Digital gold currencies. Denominated in grams of gold.
DNS: Domain Name System
Doubler: A money doubler is a system that uses a matrix approach to
double deposits.
E.
e-metal, emetal: A generic name
for the actual metal used to back e-currencies. It can be gold, platinum,
silver or palladium. For each metal based e-currency there is a specific
amount of precious metal held in a vault.
e-currency, ecurrency: It is a currency backed by specific amounts of
e-metal. Used to exchange value and can be backed by many of the e-metals
shown bellow. Can fluctuate against the price of e-metals AND paper
backed currencies. Examples: e-gold, IntGold
EBRD: European Bank for Reconstruction and Development
ECA: Export credit agency
ECB: European Central Bank
ECLAC: Economic Commission for Latin America and the Caribbean
EDI: Economic Development Institute
EIB: European Investment Bank
EMBI: Emerging Market Bonds Index
EMBIG: Emerging Market Bonds Index Global
ETF: Exchange-traded fund
EU: European Union
F.
FAQ: Frequently Asked Questions
FDI: Foreign Direct Investment
FDIC: Federal Deposit Insurance Corporation. The regulatory agency responsible
for administering bank depository insurance in the US.
Fed: Federal Reserve. The Central Bank of the United States.
FFA: Free For All (free advertising)
FIAS: Foreign Investment Advisory Service
FINCEN: Financial Crimes Enforcement Network.
FRA`s: Forward Rate Agreements. FRA`s are transactions that allow one
to borrow/lend at a stated interest rate over a specific time period
in the future.
FTC: Federal Trade Commission.
FX: FOREX - Foreign Exchange. The simultaneous buying of one currency
and selling of another in an over-the-counter market. Most major FX
is quoted against the US Dollar.
futures: Buying commodities for future delivery. If you buy low and
the demand goes up, you win; demand falls, you lose.
G.
GATS: General Agreement on Trade
in Services
GDP: Gross domestic product
GDR: Global depository receipt
GIN: Global Investor Network
GNFS: Goods and nonfactor services
GPTR: Get Paid To Read
GPTS: Get Paid To Surf
GPTC: Get Paid To Click
Gross: The total in any amount that includes overhead or operating expenses.
The opposite of net, as in gross profit/net profit.
H.
HIPC: Heavily indebted poor countries
HYIP: High Yield Investment Program.
I.
IBC: International Business Corporation
IBPO: Irrevocable Bank Purchase Order.
IBRD: International Bank for Reconstruction and Development
ICA: International Court of Arbitration
ICC: International Chamber of Commerce.
ICPO: Irrevocable Corporate/Confirmed Purchase Order.
ICU: Investment Climate Unit
IDA: International Development Association
IDB: Inter-American Development Bank
IFC: International Finance Corporation
IFF: International Finance Facility
IMF: International Monetary Fund.
IMS: Investment Marketing Services
InExchange, inexchange: Converting currency into e-metal.
Interest: Profits earned on your investment.
IPA: Investment Promotion Agency
IPO: Initial Purchase Offer. When a company offers stock to the public
for the first time.
IRB Internal-ratings-based
ISDA: The body that sets terms and conditions for derivative trades
is The International Swaps and Derivatives Association
ITS: Investor Tracking System
J.
JETRO: Japan External Trade Organization
K.
L.
LCIA: London Court of International
Arbitration
LCVI: Liquidity, Credit, and Volatility Index
LIBOR: Stands for London Interbank Offer Rate. The interest rate that
the largest international banks will lend to each other.
LIFFE: The London International Financial Futures Exchange. Consists
of the three largest UK futures markets.
LMIC: Low- and middle-income countries
M.
M&A: Mergers and acquisitions
Market: (The): Can mean one particular trading activity or the market
in general.
marketing: The science of promoting and selling a product or service.
MB: Moneybookers (online payment system)
MCA Millennium Challenge Account
MDB: Multilateral Development Banks
MDGs Millennium Development Goals
MIGA: Multilateral Investment Guarantee Agency
MIS: Management Information System
MLM: Multi-Level Marketing.
MOF: Ministry of Finance
MOG: Ministry of Gold
N.
NAFTA: North American Free Trade
Agreement
NASDAQ: The US blue chip stock market
NEPAD: New Partnership for Africa’s Development
NGO: Nongovernmental organization
net: The utility amount left after the overhead has been removed.
NPA: New Program Alert. Some also consider NPA as Non Paid Advertisement.
NPV: Net present value
O.
ODA: Official development assistance
OECD: Organisation for Economic Co-operation and Development
OPEC: Organization of Petroleum Exporting Countries
OTC: over the counter
P.
PAFTA: Pan-Arab Free Trade Area
PAS: Policy and Advisory Services
Pip (or Points): The term used in currency market to represent the smallest
incremental move an exchange rate can make.
PIPS: People In Profit System or Pure Investor's Profit System both
are profit plans
Ponzi (scheme): Charles K. Ponzi, its namesake and creator, was an immigrant
from Parma, Italy. He spent a few years in Federal Prison for his scam
to pay older investors with new investor's deposits.
Principal: The original investment.
Profit: The utility income from an investment.
projection: forecasting into the future.
PP: PayPal (online payment system)
PPC: Pay per click. Earn money for clicking on links, usually not a
substantial amount.
PPI: Private participation in infrastructure
PPP: Purchasing power parity
PRI: Political risk insurance
PTR: Paid To Read. Earn money from reading emails, usually not a substantial
amount.
Q.
R.
Ref: Referral. You can sometimes
earn extra money by referring your friends, family and associates.
ROI: Return On Investment. The percentage of the initial investment
amount returned.
S.
SAARC: South Asian Association for
Regional Cooperation
SCP: Single currency pool
SEC: Securities & Exchange Commission.
short* (as in "going short")
SLC: Standby letter of credit.
SP: StormPay (online payment system)
SWIFT: Society for Worldwide Interbank Financial Telecommunications
T.
TOS: Terms of Service
U.
unencumbered*
U.N.: United Nations
UNCTAD: United Nations Conference on Trade and Development
UNDP: United Nations Development Programme
UNIDO: United Nations Industrial Development Organization
V.
VAR: Value at risk
W.
WAIPA: World Association of Investment
Promotion Agencies
whois: Information database containing a Website's ownership and contact/administrative
personnel.
WOCCU: World Council of Credit Unions
WTO: World Trade Organization
X.
Y.
Z.
In Closing :
We hope you've enjoyed
this educational report. This information is provided to help you
get off to a secure and safe start. If you know of anything that we
should include, please let us know. We would be happy to hear from
you.
Disclaimer:
Do Not Spend what you can not afford to lose!!! Certain HYIP are risked
and can close very fast. The webmaster of this website cannot be held
responsible for the losses of money.
Visit our Reliable HYIP listing now>>
