To Invest In HYIP Or Not

by: Michael Goldman

This article is an overview of the risks, scams, and extraordinary profits that can be experienced by HYIP investors.

High Yield Investment Programs: Risks, Scams, and Profits

If you are an investor looking to truly double your money, you might want to look into HYIP or high yield investment programs. This type of investment always carries a high risk, but when you consider the potential profit, you might find that the risk is well worth it. High yield investment programs have always been around, but have become even better known in recent years as investing online has become more and more common. Despite the risks, many investors continue to take advantage of the awesome selection of HYIPs out there to double their money.

Choosing your HYIPs is something that has to be done on an individual basis because what each person will feel comfortable with is different. There are HYIPs out there that show very little in way the way income, but have high risks. On the flip side, there are HYIPs out there that show a lot of promise for profit, yet they have the same risks associated with the programs that don't guarantee much in the way of profit. You'd obviously want to stick with the second choice if you can tell which HYIP would be more profitable than the other. The key to getting involved in the right type of HYIP is research. Though it may be exciting and easy to just jump at a very promising looking program, you'll want to put the brakes on for long enough that you can check out the company. You want to stick with companies that offer high revenue, but only if they actually payout and give you access to your currency. Do your homework to make the risks worth it; otherwise you'll end up losing money! The more you participate and research HYIPs the more familiar you'll get with the tricks that many of these programs have to keep your money.

If you've invested in high yield investment programs in the past, you know what to expect in the way of scams. If you have never participated in an HYIP before, you'll be want to be extremely careful when first getting your feet wet. Because there is a lot of money to be made with an HYIP, scams are often associated with this type of investment. There are people, and even companies out there, who want you to invest and event to make money, but then they won't want to give any of it back. This is where the research that we mentioned above comes in really handy. Even if a friend or business acquaintance recommends an HYIP to you, you should still research it to be sure it's something that you feel comfortable with. If after looking into it you feel as though the investment and possible income is worth the risk, then go for it. If you do not feel this way, simply do not invest. When it comes to your money, you shouldn't feel pressured to invest at any time. Often, these scams will require you to invest is something that does not even exist, and then, the fraudulent people are off with your money and that of other investors!

Choosing the proper HYIP is something that you will need to do very carefully, and you should only do if you feel completely comfortable with the risks associated with any one investment. Even the most legit HYIP should be approached with caution, and followed up by extensive research. You have to remember when looking at HYIPs that even those that are not scams cannot promise you much in the way of a return. The potential to make a lot of money relatively quickly is there, but it is not a guarantee. Because there is no guarantee when dealing with HYIPs, the more you understand the investment, the better chance you have to succeed with such an investment.

The bottom line is that you stand to earn a great profit with an HYIP, but there are extreme risks and even scams associated with this type of investing. If you know what to expect when you get into the high yield investments, and you know what to look for through research, you'll probably be fine. If you get into an HYIP because you've just heard that it's profitable, you stand to lose a lot of money! Invest smart.

Michael Goldman is a widely known expert in HYIP Investments. He is investing in HYIPs successfull himself and helping others to make their money work for them. You can find more information and learn to become a professional hyip investor by joining the hyip forums at http://forums.hyipbest.com

Solid Investment Scamed Their Investors

by Domenik Andre Andre

Many people who have their own home business want to make money online with affiliate program but some others invest in HYIPs.

Solid Investment, a well known player in the HYIP scene stole millions of dollars from their investors in July. "It was very predictable, that Solid Investment would scam away in July, leaving many investors behind angry!" said Domenik Andre of http://www.DrHomeBusiness.com/solid_investment.htm. Reasons why the date could actually be foreseen was obvious. It was clear that Solid Investment was a properly planned scam from day one. They offered ridiculous returns on your investment of up to three percent each business day.

In early March Solid Investment came up with a new plan that offered even higher returns. Instead of paying out daily their three percent, they changed it to a sixty day plan. So nobody could take out any money until those sixty days were up. The promised returns of up to six percent per working-day should have been paid out in the beginning of June but likely for scammers they find a way to give themselves some extra time. Early in June they stated that due to the high amount of payouts, all payouts have to be done at the beginning of the new month. When July third arrived they sent out confirmations of payouts but of course they were already gone with the money.

When Solid Investment changed their investment plan, this should have been the biggest red flag but many investors fell into the trap. Its wise to remember for the future that every time a HYIP changes its plan, then this might be an indication that it will close its doors in the near future.

Even more cruel is that the same scammers are running multiply ponzis and that very successfully. Estimates assume that only with Solid Investment they stole an eight figure sum of the investors but accurate numbers will never be found out. The similarities to other past scams like Jungle Ventures, Vasco Investment, Tinger Invest or ASC Fin are just a few to mention, all very likely run by the same professionally organized scammers.

To protect your investment from fraud in the future, it might be wise to stay away from HYIPs. Good alternatives with the potential of making nice returns would be managed accounts. You can have managed accounts in the forex market, but also futures, commodities and stocks provide high return investment opportunities. Of course these are still high risk investments but the chance of fraud is close to none.

With a managed account the opening person is the only one who can transfer money and the money can only be wired to the same bank account it was initially wired from. Managed accounts start from as low as five thousand dollars up to over one hundred thousand dollars minimum investment capital.

If one, for whatever reason, still wants to invest in HYIPs, proper due diligence is a must. Mostly it is best to do research in popular HYIP forums, what other investors think of a program but you can also do some research using tools like whois, neotrace or the wayback machine to analyze a program. Of course this is no guarantee that the chose program is reliable but it sorts out many other obvious scams.

Domenik Andre is the founder of http://www.DrHomeBusiness.com where you get helpful tips to get more traffic and make more money online! To get more information visit http://www.DrHomeBusiness.com/solid_investment.htm or to know more about affiliate programs and how to make money online with affiliate program click on the link!

Domenik Andre is the founder of http://www.DrHomeBusiness.com where you get helpful tips to make more money online! You get more information here: make money online with affiliate program

Legitimate Paid Autosurf Programs vs. Scams

by Andrew Daigle

Paid Autosurf programs pay members for surfing websites in their exchange. They allow advertisers to show their websites, for a fee, to other members who surf and earn cash or credits for their efforts. The advertisers hope is that as members surf, they will be interested in their offer and make a purchase or at least let them capture an e-mail address so they can try to up-sell these folks later. Also, as the name “Autosurf” indicates, surfers do not have to actually view each website as they surf. Members could click on the surf button and walk away for 5 minutes, grab a coffee and wait until the autosurf session is complete. But many members do in fact watch these advertisements. A majority of these paid autosurf members are always looking for something new to promote themselves or something new they’ve never seen before, in hopes of generating more income for themselves.

There has been a lot of discussion about the validity of many of these paid autosurf programs, and the fact is, there are far more scam sites than legitimate ones. The scam artists know this is a huge industry and it’s very easy to get a paid autosurf site up and running, promise huge returns for their members, and at the peak of membership, close up shop just to do it all over again.

There are also many legitimate paid autosurf owners who generate a lot of money from their advertisers and are more than happy to give a small percentage of their money to a captive audience so their clients can get their sites shown to a very wide audience. Since they promise their paid advertisers will get traffic to their websites, they are expected to perform this service and deliver. It’s a win-win-win for the advertisers, the autosurf exchange owners and the surfers.

Most paid autosurf programs require members to pay a small fee to purchase ad units and allow these members to earn a certain percentage on their money. When a member pays their ad fees, they not only receive credits to have their websites shown to other members, but they can also make money by surfing so many websites each day. The amount of credits you receive, the amount you are paid to surf each day and the number of sites you’re required to surf daily, all vary between paid auto-surf programs.

When joining these programs, it’s make good sense to stay away from the paid autosurf programs that promise high returns. Since most paid autosurf exchanges pay between 1% and 2% per day, if a program offers 10% per day or higher, that should raise a flag. There are also paid autosurf programs that market themselves as higher paying services, but if you do a little reading, you’ll quickly see the 7% per day gains break down to about 2% or less per day. Those are still great returns for your time and money, but you will not receive 7% per day for your efforts. It’s all in the marketing. Other programs that do promise higher percentages and do in fact pay those high percentages, in my opinion are Ponzi or pyramid schemes just waiting to collapse at some point. Some people can make money if their timing is right, but my recommendation would be to stay away from these programs or you do risk losing all your money.

Andrew Daigle is the owner of many websites including Ideas for Making Money at http://www.CashCurve.com , Free Traffic Exchange http://www.TrumpTraffic.com , Pixel Advertising http://www.AllPixelAds.com , Free DXInOne E-Currency Exchange Training http://www.dxout.com.

AutoSurf Schemes and The 12 Daily Pro Disaster

by Kelly Carroll

In April of 2005, an internet site was created called 12DailyPro which advertised a 44% return for investors who invested between $6 and $6000 in12 days. The only stipulation was that the investor would have to launch an automated program via the internet site and watch a series of advertisements lasting 30 seconds each, for each of the 12 days. At the end of the 12 days, the investor would be able to cash out his/her original investment plus the 44% earned by adhering to the program.

The program was very attractive to many webmasters since they were able to get their websites listed in the daily commercials viewed by the thousands of people who participated in the program. This in turn helped them to build traffic to their websites while turning a profit off their website in just 12 days.

12 Daily Pro was not the first to launch such a scheme. Other schemes are still in existence and new ones continue to launch including 13dailypro.net, alientrust.com, 365GlobalProfit, among hundreds of others. Different payouts but same strategy - invest some money, get it back with extra, get traffic to your website, cash out, then re-invest and start all over.

The problem with these programs is that the only way payouts on investments are possible is when new people continue to sign up for the program. As soon as the signups taper off (a top program usually generates about 300,000 members before the membership enrollment flattens out), the program cannot keep up with the payouts since an insufficient amount of capital exists to do so.

People who invest early on who can estimate when the signups are beginning to taper off are the only ones who realize profit from the program's payouts. They are at closer to the top of the pyramid, whereas those who sign up toward the end of the cycle will not only have no chance at earning a profit, but will lose their investment altogether.

In 12DailyPro's case, this happened around late December of 2005. However, the case was slightly different. Instead of new investors tapering off, their primary fund processor, Stormpay (which you were encouraged to use to deposit and withdraw for most of the duration that the site was running), claimed that they all of a sudden recognized 12DailyPro as a Ponzi scheme, and froze all the site investor's funds until an investigation was launched.

The owner of 12DailyPro, Charis Johnson claimed that Stormpay was interfering with her legitimate business, but could do nothing to get them to release investor funds. This led to the ultimate crash of the system, and a court order was summoned to terminate the operation.

As of 7/17/2006, millions of dollars were turned over to a US District Court appointed receiver named Thomas F. Lennon, while the mess is sorted out. Investors were advised to join a class action lawsuit in order to attempt to recover any monies lost in the program. However the litigation is taking months to resolve. Investors will most likely only be able to recover a fraction of their net investment, if that, once the case is resolved. For the latest information on this suit, visit http://www.tlennonfor12dailypro.com/.

What about Charis Johnson? She is off and running a new website called Startup Street where she advises against people investing into the very scheme she made tons of money on. Her new site is geared toward enticing people to buy products that show them how to make money on the Internet.

Kelly Carroll has owned and operated KC Web Designs since 2003. She researches new products on the Internet and is currently posting her findings for others to review. Her goal is to provide Internet users with quality articles they can use to make sound judgements before purchasing any new products over the Internet.

Recover ALL Your Money back from Scam / Fraudulent Autosurf Companies

by Martin Pavion

Here are just a few of the autosurfs that have vanished in the last 8 months which, if you have made payments to them, you can possibly recover it ALL back even if you thought the money was lost forever:

911 Hits, Auto-surf.biz, AWD Network, Butterfly Surf, Cash Twist Traffic, EprofitSurf, ExekoSurf, EZ Surf 2 Cash, Fair Dinkum Surf, Gotta Lotta Hits, Grandhits, NewPay.info, PaidResponse, Paid Surfing, ProfitSera, Super Surf, Surf City Autosurf, Surfing Revolution, Top Gun Traffic, VivaSurf

If you have bought credit using PayPal and funded this with your credit card then you can breath a huge sigh of relief. It is probably that you can get all your money back.

There is a huge amount of confusion regarding how best to get a full refund from your credit card companies if an autosurf closes prematurely. The credit card representatives you might speak with very rarely know enough about Paypal, autosurfing or chargebacks to help you. Many people are discouraged when they speak with their credit card company and are told one of three excuses:

- The credit card had no direct contract with the autosurf but with PayPal. Paypal have done nothing wrong and therefore there is nothing that can be done. - The credit card company cannot protect people who've joined autosurf companies as they the autosurf has protected themself with their disclaimers in their terms and conditions. - The 45 day protection cover from Paypal, or the 60 day protection from the credit card is past.

This is where most people give up. If I'd have been discouraged then I'd have most likely flushed about $90,000 down the toilet. Instead I spend time learning all I could about how chargebacks REALLY work, and how to use this power against deceased autosurf providers.

IN MY INVESTIGATION I DISCOVERED:

- PayPal is legally obligated to take responsibility for it's merchants if the buyer has used a Visa or MasterCard, although Amex cards are NOT included.

- Closed autosurfs make one huge mistake in their terms and conditions which gives consumers a legitimate reason for why we deserve a full refund. No matter how much money the autosurf has paid you previously, using this information will allow you to receive all your money back, even if you have received 'dividend' payments in the past.

- With the right information, you can request a chargeback many months after an autosurf has closed. I have successfully received a full chargeback from companies 9 months after I paid them, and 6 months after they closed.

- With a few phrases in your vocabulary you can get even the most reluctant credit card representative to submit your chargeback request.

ACTION TO TAKE TO GET ALL YOUR MONEY BACK:

Your first plan of action is to try to resolve the dispute via PayPal. If you paid money to the autosurf company within the last 45 days then you can use PayPal's "Buyer dispute" service. Seeing as nearly every autosurf and HYIP has been banned from PayPal since April I don't think you'll be able to do this.

You then need to gather up evidence to give to the credit card provider. It really helps if you have taken screenshots of the autosurfs homepage, their terms and conditions, screenshots of their signup procedure and also a snapshot of your account balance just before the site went down.

Don't worry if the autosurf has closed and their site has vanished, there are a few ways of getting this information back. I won't reveal it in this article as although it's perfectly legal I don't want to make these methods known to autosurf owners.

You then need to write a detailed letter to your credit card provider. There are some things you MUST explain clearly, and things that you should NEVER mention to begin with. You will not have any luck if you word a letter with a request such as "please credit me back my money because this company was meant to pay me every month but they didn't". Instead you need to write a convincing reason as to why you should be refunded. This is extremely simple to do when you realize that autosurf owners have not learnt enough about their legal standing when they began their sites.

Depending on your credit card company's policy you might be immediately credited with your money back, or the interest on that money might be frozen. For disputes less than $1,000 you are likely to find matters resolved fast but this really does depend on which credit card you are working with. NEVER count any refunds at this stage as guaranteed, the credit card company may charge you again if they discover evidence against you within the next 60 days.

Your credit company will work with PayPal to reach resolution. You will notice that you have 'unresolved disputes' for those purchases when you next log in to your PayPal account. The autosurf has 30 days to argue why you should not receive your chargeback. Most often your accusation will be worded so well that the autosurf owner cannot possibly find any reason and the matter will be settled.

Some autosurf owners can get a little nasty here. I have experienced owners who lie, falsify documents and do all they can to avoid the chargeback. Others are reasonable and provide the most common three reasons for refusing the chargeback.

1) The person joined the autosurf agreeing to the terms and conditions 2) The person was happy with the autosurf as they'd made multiple payments 3) The autosurf has already paid out money to you via e-gold or likewise.

If you have worded your first letter appropriately then you are well-armed to refute anything the autosurf owner might throw at you. If the autosurf owner is playing dirty there are many ways to be equally or more dirty back.

Every autosurf and situation is different. I'll happily provide you with sample letters and all the information you need if you contact me and become part of my autosurf hyip network.

Please feel free to contact me if you would like more information. Email me: autosurfnews(at)truepot.com My current investment portfolio comprises of ... 12by12Daily http://www.12by12dailypro.com DadnDaves http://www.dadndaves.net/?ref=2855 FX-Experts http://www.fx-experts.com/?ref=pavionm MoneyMovesAsia http://www.moneymovesasia.com My websites can be visited at http://www.truepot.com

Avoiding Scam HYIP Sites

by Raiel Schwartz

Everyday about three dozen new HYIP sites come out offering to be the solution to your financial dreams and promise you a life fulled with riches and satisfaction. I'll tell you right off the back there lying. Yes, these HYIP sites are straight out lying to you. Studies show that %99 of HYIP sites are scam, and from my experience this statistic holds true. HYIP stands for High Yield Investing Program. When we think of investing we think of Wall Street, Stocks, Bonds, and all that good stuff but on the internet HYIP is just a coverup scam sites use to take away your money. Most HYIP sites are Ponzi Scams. The name Ponzi comes from the man Charles Ponzi who scammed millions of dollars from his Friends, Family, Coworkers, etc. Charles Ponzi paid out his original investors from the investment of others, the same type of scam happens today. The basic setup for scams is that a new HYIP site comes up claiming they are backed up by Forex Trading. They say all these words to draw you in there trap and at first they probably do pay you, however a few weeks later the site will run away with all the money from investors and you will be left in the dirt. Hundreds of new HYIP sites are made every week and people still fall into their scams, I wouldn't be surprised if it was just a group of a small individuals just massively making new HYIP's due to the fact that people keep investing (and losing) money in them. Now by reading the first couple of paragraphs, your probably now scared into investing anything online, which is okay, HYIP's are usually run as games and when the payout reaches a certain percentage they stop paying and start a new round. People usually get carried away because they see there making money so they invest all the money they make back into the same program, that's mistake number one. First thing you DO not want to do with HYIP's is reinvest your principal money, take that out ASAP and play only with your profits. There are many more common mistakes and I will discuss them in the upcoming paragraphs.

The 5 ways to avoid being scammed

1) Take back your principal investment As mentioned above, when you invest in a program and receive your money back in addition with your profit, invest only the profits! When you do it this way you now have no risk in losing your money in HYIP's, you'll just lose your profits and nothing else. What you may also want to do is instead of investing all of your profit, invest %75 of it and keep %25 of it. That way no matter what you come out a winner. Remember take up your principal deposit and play with profits!

2) Study the website Studying a website does take some research, but it will help you in the long run. If you see a HYIP site claiming to be backed up by Forex ask them for some of there records to see if there telling you the truth or lying. Do a Whois lookup on their domain name to see if there around as long as they say, ask the admin questions, call them if a number is provided, email them and see if they respond. HYIP Scammers are always in a rush and want to get your money and leave ASAP, real HYIP admins won't lie to you and will take the time to answer your questions truthfully, do your homework and you will be awarded! 3) Check the Interest If a program is offering more then %10 a day, it is off the back a Ponzi Scam. This does not mean do not invest with them, but it does mean that they are a ponzi and are probably running their HYIP in a game type format (when payout reaches X the next round will become) or they are relying on paying your investments with the investment of new investors. The reason I can say that if a program offers more then %10 that they are a Scam or a Game is because real professional traders can't possibly offer returns as high as %20-50 profit per day, that is unrealistic and if they DO offer those rates they are probably running a game HYIP or ponzi HYIP. Check the Interest, you can still make money if a program is a ponzi or game but if you want a reliable program you should settle for %2-5 daily.

-Note: The same goes with referral rates, if they are large and unrealistic such as receiving %30 the program is most likely scamming/tricking you in one way or another.-

4) Don't put all your eggs in one basket I'm sure you heard the expression "Don't put all your eggs in one basket" well this is true, especially for online investment. If you put $50 into a program, they could run off the next day, and now your left with $0. The smart thing to do is that if you have $50 is to invest $10 into 5 different programs, that way you are almost guaranteed to make some type of profit. The more diversifying the more monitoring and tracking you have to do, but the more money you make, don't be lazy, do some work!

5) Don't let your emotions run you over Okay so you invested $100 and received %100 profit. You have $200 and confident that you can double that you immediately reinvest it. Happily, you receive your $400 and quickly reinvest that to make $800, however for some reason you don't get your $800, instead you get nothing, the program just ran away! Yes, that is right, don't let emotions control you, people do crazy things when they think they could be making a lot of money, don't invest to much money into HYIP as in the long run you will probably lose out, instead follow the rule number 1 and you should come out ahead. From reading this article you learn 5 essential tips that will help you identifying if a HYIP is a scam or not, when and if you should invest, and how to minimize your risk of losing your money. If you follow these strategies you should be making money with HYIP's instead of losing them. Have fun and happy earning

Raiel Schwartz the admin of http://www.truemonitors.com has been in the HYIP game for several months and has learned how to make the most profit on online opportunities such as Autosurfs, Get Paid To, and HYIP's. If you want a complete guide of HYIP you should visit HYIP101

How To Play The HYIP Game

by Mark Flavin

High Yield Investment Programs, or HYIPs, are online investment opportunities that yield high profit, but always at the cost of great risks. With HYIPs, you'll be given the chance to invest a relatively large amount of money, with the promise that your investment will return with substantial profit at a very short period of time.

Why are HYIPs considered high risk investments, then?

It's because the very promise of profitable ROI is often broken. With all the anonymity present on the internet, it's easy to pull off a scam. Of course, a little due diligence will help you avoid the fraudulent offers, but the profit promised by HYIPs is often too big to ignore.

Take for example a recent HYIP that asked investors to send an amount of eGold value to a certain account, with the promise that the same value will be returned, plus 50%, after ten days. You won't have to do anything. All you have to do is to send over an amount of eGold value, with a minimum of $5 and a maximum of $5,000, and wait for 10 days, and you'll receive 150% of the value you forked over.

For four months, that HYIP program flourished. It kept its promise. People got paid magnificent amounts, which prompted them to reinvest their money to earn more profit. Suffice to say, that HYIP instantly became the talk of the online investment community.

However, the program stopped paying last May, citing the need to weed out fraudulent transactions, and a lot of investors were left in the dark. Veteran HYIP players however knew the truth: that it was a scam from the get go, albeit, a scam that allowed them to earn while it lasted.

And this is the reason why HYIPs are pretty difficult to resist. They allow you to earn for a certain period of time, and such earnings is too big to ignore. The percentage involved is unheard of in other circles. But of course, such will only be good while it lasts.

HYIPs, love them or hate them, are here to stay because there are dedicated groups of people who wish to capitalize on them, at least, while they're still operational. That being said, it'll be a game of minimizing the risks, regardless of how unavoidable they are.

Here are some tips on how to play he HYIP game:

* Invest only what you can afford to lose. This is the NUMBER ONE rule. Do not pin all your hopes on an HYIP program. It's not a stable investment, as you stand to lose everything in one fell swoop. Use only the amount of money that you can afford to lose, otherwise, your entire budget will be screwed when bad times befall you.

* Take off your money as soon as possible. With HYIPs, you'll have to draw money from your own account, at least initially. For example, you're asked to invest $100 for a $150 return after ten days. This means that in 20 days, if you'd reinvest the first amount you'll receive, you'd have a profit of $100. Immediately take off the $100 you invested and play with your profit instead. This way, you'll only lose what you have already earned, and you won't have to risk what you worked hard for in other avenues.

* Study the system behind the HYIP. Is it credible? Does it have a great management team? And most importantly, is the program itself sustainable. Most HYIPs do not play with any assets. As such, they're just playing with the investments they're receiving. Eventually, with all the profit margins they will be feeding, they'll reach a breaking point. The trick is in finding an HYIP with a formidable plan, or at the very least, with real assets to back it up.

Mark Flavin is the owner of http://www.markflavin.com the famous Make Money Website
Increase traffic to your website now using Mark's Free Website Traffic Techniques

How The Lazy Man Can Make Money Online!

by Domenik Andre

Are you sick and tired of all the great do-nothing-and-become-rich opportunities? If you are anything like me, then you probably are. I am just so tired of people emailing me with the next hot opportunity, where you literally don't need to do anything to earn a great income. Well and if I decide to take a closer look what it is all about, its just another MLM scheme.

Now don't get me wrong, I have nothing against MLM but I have something against people who say that I don't need to do anything to make money. That's just a lie and how could you ever work with a person who lied to you since the day you have met them?

Being so tired of all this, I decided to look for online opportunities that really required no work and I have stumbled over one last year. Since them I have earned great money with these opportunities and so can you and it really doesn't require any real work besides doing some due diligence.

So what are these opportunities? They are called HYIPs. Maybe you have never heard of HYIPs, so I will give you a short introduction:

HYIP stands for High Yield Investment Program and I think that says it all. Basically these HYIPs are investment opportunities which promise really high returns. Returns that are sometimes much greater than 20 percent monthly interest. Yes, you have read correctly. I said 20 percent per month or even more. Now when you just start to dive into the HYIP industry, you will shortly realize that many programs offer interests that are even higher than 20 percent. Some programs offer 100 percent per day or similar ridiculous returns. If you have read that far, you might think this all must be a scam right?

Well, you are right but not completely. Honestly the number of scams is huge in this industry and I would say it´s about 99 percent but what about the other 1 percent?

Those are real investment opportunities. Opportunities that provide the chance to invest in a fund that is day-traded in various markets, mostly the forex (foreign currency exchange) but also commodities, futures or stocks. The foreign currency exchange market can be one of the most lucrative markets to trade but also one of the most dangerous because of the high volatility and access to high leverage of trading equity.

Never the less good traders can achieve 20 percent or more monthly returns when trading the forex. Apart from the opinion of many investment experts this can also be done on a consistent basis, which does not mean that you will always achieve a 20 percent interest but there are programs out there that produce an average of 20 percent per month over the course of a couple of years.

How can you know that the HYIP you have chosen really does trade? Well, you can´t or at least that´s very hard to find out. Some legitimate HYIPs let well-known people from the HYIP industry take a look at their live trading accounts and I had the privilege to analyze some myself. Other than that there is not much proof so what do you do?

I personally favor managed accounts. Managed accounts are a little bit higher investments, starting from USD 5000 but they are well worth it for two reasons.

1.) Nobody can steal your money so it's a no-fraud-opportunity and 2.) You can check your daily performance because you have live access to your account with the brokerage.

Now do some calculation on your own what a 5, 10 or 20 percent monthly interest could mean to you. I will give you an example: If you invest 1000 USD today and let it compound for 2 years with an average of 15 percent monthly interest, you will end up with over 28,000 USD or a monthly income of 4300 USD. Now I don't know how much you need to live but that is a nice residual income, which might pay some of your bills. Always remember, be careful where you invest and if you can afford it, go for managed accounts.

Domenik Andre is the founder of DrHomeBusiness.com and analyzes various ways to make money online and is always for the lookout to analyze your proven income opportunity! Proven Income Opportunity

Legitimate Paid Autosurf Programs vs. Scams

by Andrew Daigle

Paid Autosurf programs pay members for surfing websites in their exchange. They allow advertisers to show their websites, for a fee, to other members who surf and earn cash or credits for their efforts. The advertisers hope is that as members surf, they will be interested in their offer and make a purchase or at least let them capture an e-mail address so they can try to up-sell these folks later. Also, as the name "Autosurf" indicates, surfers do not have to actually view each website as they surf. Members could click on the surf button and walk away for 5 minutes, grab a coffee and wait until the autosurf session is complete. But many members do in fact watch these advertisements. A majority of these paid autosurf members are always looking for something new to promote themselves or something new they've never seen before, in hopes of generating more income for themselves.

There has been a lot of discussion about the validity of many of these paid autosurf programs, and the fact is, there are far more scam sites than legitimate ones. The scam artists know this is a huge industry and it's very easy to get a paid autosurf site up and running, promise huge returns for their members, and at the peak of membership, close up shop just to do it all over again.

There are also many legitimate paid autosurf owners who generate a lot of money from their advertisers and are more than happy to give a small percentage of their money to a captive audience so their clients can get their sites shown to a very wide audience. Since they promise their paid advertisers will get traffic to their websites, they are expected to perform this service and deliver. It's a win-win-win for the advertisers, the autosurf exchange owners and the surfers.

Most paid autosurf programs require members to pay a small fee to purchase ad units and allow these members to earn a certain percentage on their money. When a member pays their ad fees, they not only receive credits to have their websites shown to other members, but they can also make money by surfing so many websites each day. The amount of credits you receive, the amount you are paid to surf each day and the number of sites you're required to surf daily, all vary between paid auto-surf programs.

When joining these programs, it's make good sense to stay away from the paid autosurf programs that promise high returns. Since most paid autosurf exchanges pay between 1% and 2% per day, if a program offers 10% per day or higher, that should raise a flag. There are also paid autosurf programs that market themselves as higher paying services, but if you do a little reading, you'll quickly see the 7% per day gains break down to about 2% or less per day. Those are still great returns for your time and money, but you will not receive 7% per day for your efforts. It's all in the marketing. Other programs that do promise higher percentages and do in fact pay those high percentages, in my opinion are Ponzi or pyramid schemes just waiting to collapse at some point. Some people can make money if their timing is right, but my recommendation would be to stay away from these programs or you do risk losing all your money.

Andrew Daigle is the owner of many websites including Ideas for Making Money at http://www.CashCurve.com , Free Traffic Exchange http://www.TrumpTraffic.com , Pixel Advertising http://www.AllPixelAds.com , Free DXInOne E-Currency Exchange Training http://www.dxout.com

So You Want To Earn Online?

by R.D.Wylder

It's not all that difficult to make a few dollars each month from your online activities. Most sites pay in US cash and a quick $5 to $10 is just fine for those who live in countries where there is a high conversion rate. This can actually work out to a couple hundred in local currency for them. However, this amount really isn't worth the time or the effort for most people. That's why you need a plan. Here are some of the key money making tips that should be included in your strategy.

Open A Payment Account:

It doesn't make sense to join all these programs and they have nowhere to send your money, now does it? Payment differs by program but, by and large, there are a few common methods.

1. If you live in one of the supporting countries, it would be a very good idea to open a Paypal account. This is one of the most recommended payment methods and is accepted pretty much everywhere online. You are allowed to withdraw cash and it is very easy to use.

2. E-Gold is becoming increasingly popular with more and more online merchants accepting it. The one downfall of this program is that, while you can easily transfer funds online, you need to go through a third party to withdraw funds as cash. I would highly recommend E-Gold only if you plan on using your earnings online. Worldwide.

3. Stormpay is another good program, similar to Paypal except that it is worldwide. You will have to supply copies of your identification and you cannot sign up with any email address other than that provided by your ISP. This may put off some people who are a bit paranoid of having their personal information online. An added advantage though is the new StormClix program.

4. I have heard this next program referred to an E-Gold without the restrictions. Moneybookers has also been increasing in popularity and is even being accepted by domain registrars such as Registerfly. There are a number of ways to fund your account and they are worldwide. Unlike E-Gold, you can withdraw your cash directly.

5. Some affiliate programs will offer to pay by Cheque or Money Order. If you want access to your money ASAP then this may not be for you, but it's a good option for those who prefer to see concrete evidence of their earnings. However, the associated fees might make it more profitable to look into another payment method.

There are a number of new programs that have recently come out. I have never used any of these but I have heard good things so far in the 'Get Paid' forums about AlertPay. Another new program is GreenZap.

Get An Email Address:

Once you sign up for these programs, you are going to start getting a lot of emails. You can choose to read your emails at your Site Inbox but if you are sticking to only 'Paid to Read' programs, I would strongly suggest having your emails sent to your own mailbox so that you can have everything conveniently in one place. That being said, you don't want your personal email address being cluttered by endless messages. Get an address that you intend to use strictly for online earnings activities. A good choice is Yahoo.com as they offer a huge mailbox and you can filter your incoming emails by program. However, they will send most of your emails into the bulk folder unless you add the addresses to your contacts list so you need to keep checking. Another good bet is Mail2world.com with a 250MB mailbox. Do not use a Hotmail account. Unless you live in the USA and can access the 250MB mailbox, or you intend on checking your email a few times each day, you are going to have a lot of bounced messages.

Join Only As Many Quality Programs As You Can Handle:

You know, when I first started this, I made the most common mistake ever...I joined every program I could find. I was convinced that I could keep up and for a couple weeks I did. Then I started getting overwhelmed. There was just too much to do...too many emails to read....too many banners to click...too many sites to surf. The end result? I got completely frustrated, left all of the programs and made exactly $0. After a while I decided to try again, but I was careful this time...I drew up a plan and I did my research. I joined only a few 'Paid to Read' programs that were the most recommended online. Little by little, I was able to join a number of different types of programs (including surfing programs) and generate a small but steady income stream with just a moderate effort on my part. What's the moral of the story? Do only what you can handle. If you know you're not going to be able to be online everyday then don't join 'Paid to Click' sites because these only work if you can devote at least half an hour each day to clicking links. If you know you can't sell anything to save your life then don't join the high paying affiliate programs that everyone else is joining because you'll be trampled by the competition. If you try to do too much, you'll end up wasting your valuable time.

Construct A Spreadsheet:

So you've joined all these different programs. How are you planning to remember each and every one of them? The best way is to construct a spreadsheet. Include the name of the site, your user ID, your passwords (especially if you a different one for each site), what the program involves (reading email, clicking links, etc.), value of each action, payout levels, your referral link and the number of people in your downline. It's also a good idea to update your current earnings at the end of each month. This way you'll never lose track of your information.

Re-Invest Your Earnings:

If you've been following the steps so far, you'll have quite a little list of high quality programs going. Most, if not all, of these you would have joined as a free member...which is how it should be. However, once you've actually started earning money, you'll want to put at least some of it back into your memberships. Why? Paid memberships often come with benefits, from no minimum payout levels to higher earning opportunities. Simply put, you can earn a lot more as a paid member and it's usually quite cheap to join.

Build Your Own Site With Your Own Domain Name:

Remember when I told you to include all your referral links on your spreadsheet? Well, you're going to need them now. Don't let anyone fool you. Yes, you can make a decent amount from just participating in the programs you've joined, but the real money lies in building your downline. What does this mean? Your downline includes all the people who have joined using your referral link. You then earn a small percentage when they actively participate in the programs. You'll want as many people as possible joining under you and that's why I'm so particular about recommending only quality programs. You don't want to make a bad reputation for yourself. You only make money from your downline for as long as your referrals stay active. But how do you get the word out? You build your own website of course. You can do this a number of ways.

If you have a program such as Microsoft Frontpage, or it's free alternative NVU, installed on your computer you can construct your own pages from scratch with minimal difficulty or you can download free templates from the web and just add the content. If not, a number of hosts offer at least a basic editor that you can use online. One of the best that I've come across is offered by Yahoo Geocities. Now, you may choose to go with a free host and the decision is entirely up to you, but there a few disadvantages to this approach. Firstly, most reputable free hosting companies offer packages that include extensive advertising (banners or pop-ups) that may detract from your site. Secondly, some free hosts are not reliable and you stand to lose your site when they either fold or switch to paid packages with no prior notice. If you prefer using a free host, use a host that has been around a while and has a good reputation. I would recommend either Geocities or Tripod but you can do a simple search on Google to find one that may be more suited to your needs. Whatever you decide, a domain name is a must. You want a name that people can easily remember. If you have any experience with website design or you're a quick learner, I would highly recommend that you purchase a domain name from a registrar who offers free hosting such as GoDaddy, download NVU, and build your own pages. A major point to note, search engines don't like link farms (read more in the last section).

Get Some Products:

So you've joined your programs, gotten your referral links and built your website. Now what? Well, if you're satisfied with what you've gotten so far then you don't have to read any further. If you want to boost your earnings significantly then you're going to have to learn how to be a salesperson...and to be a salesperson, you've got to have something to sell. Now, you can try to come up with a product of your own. For example, I could have taken this information, made it into a e-book and then charged you for the privilege of reading it. However, it's much easier to just sell someone else's product and keep a share of the profits, i.e., become an affiliate. To this though, you have to know your own capabilities. While you may be tempted to go with bigger brand names or very high-paying affiliate schemes, you must face the fact that everyone else is going to think just like you. This is where the concept of niche marketing comes in. Determine your target audience and join selected programs that would be of interest to them. For instance, if you are targeting webmasters, you would want to affiliate yourself with sites that offer domain names, hosting, software, etc.

Marketing e-books is also a good starting point. There are a number of sites that offer free e-books which you can either give away as an incentive or resell and keep all the profits. However, many of these have a minimum price at which you can sell the e-book individually and this can be quite high. My best advice... put together a package. This will make it more attractive to potential buyers and you can be more competitive with your pricing.

You should always give your visitors as much information as possible about the programs/products you are referring them to. You will have a better chance of someone following one of your links this way rather than just having a pretty, but uninformative, banner or ad.

Promote Your Site:

Congratulations. You've made it to the final step in your journey into online earning. All you have to do now is to promote your site and you can do it without paying a cent in advertising if you so choose. There are a number of ways you can do this:

1. Search Engines: Most of the bigger Search Engines will allow you to add your site to their directories for free. There are a few things you must do first though. You should recall I said before that Search Engines don't like link farms. This is especially true with Google. A link farm is essentially a site that has no actual information and just a list of links. If you have a site like this, Google will very likely refuse to add you. If you've followed my advice and given your users enough information then you'll be safe. Now I want you to look up these terms online - Meta Tags, Keyword Density, and robot.txt. You need to know about these things and correct any mistakes in your site before you submit it to the Search Engines. Note that the time it takes for your site to be added to the directory depends on the Search Engine.

2. Traffic/Hit Exchanges: This is one of the most popular ways to get traffic to your site. Remember earlier when I told you to join a few 'Paid to Surf' sites even though you didn't have a website yet? Well, now you're going to upload your website URL to those sites and assign the credits you've earned. Don't bother to do this with Autosurf sites. No one actually looks at the ads on these. You'll want to use Manual Surf sites so that there is at least the possibility that a visitor may be curious about your site and visit it. A variant of this is the Banner Exchange where you place a banner on your site you earn credits each time your banner is viewed. This can bring in additional traffic but I wouldn't recommend it if your site already has a lot of banners.

3. Classified Ads: There are quite a few sites that allow you to post classified ads for free. Remember though that your link will go down as one of many and there may not actually be a lot of people visiting the ads site. Seriously, when was that last time you visited a free classified ads site online? You may bring in a few visitors but don't let this be your main method of advertising.

4. Ezines: There are so many ezines out there now that it's becoming a really good way to advertise. It is also very cost-effective. In some cases you may even find an ezine owner who is willing to post your ad for free in exchange for a service or ad space on your site.

5. Paid to Read Sites: Huh? That's right...you heard me. You can use the same sites that you're a member of to advertise your referral links to other members. This is especially good if you're advertising other paid opportunities. Rates are often very cheap or, if you prefer, join a site or two that lets you redeem your earnings for ads as opposed to cash.

Well, that's it. I sincerely hope that you're successful in you online earning ventures. What's my final piece of advice? If you want to reel people in to your site, it's always a good idea to use bait. Offer some free stuff. It can be anything, as long as it's free....and it's good. Don't offer anything that you yourself wouldn't like to have.

R.D.Wylder is the founder of the "So You Want To..." series and is currently working as a freelance writer and web designer. She has been writing for many years and has produced numerous works of poetry and short stories.

What is Paid To Surf ?

by Huria Abdulkadir

Get paid to Surf is way to earn money online. you earn a percentage commission for automatic or manual viewing of a number of sites everyday, for a certain term. Most Paid-to-Surf sites offer a free account level to start.

Autosurfs have been around for some time, however, the "get paid to surf" concept hit the Internet just about 3 years ago by daddy of autosurf studio traffic now is a scam but this pro alone made thousands for people.

autosurf can be very risky because there are so many scams around and you need to weed out the good ones.

I have put few tips of my own experience if you want to play

1. Get the principle out as soon as possible don't get greedy at first
2. Spread it around, reinvesting in good ones and expand into new ones but not any new ones that coming out every day. Do your DD; check the host site etc.
3. Never put too much in any one program no matter how safe it seems.
4. Don't join too early, and don't join too late. Join as soon as the program has proven itself by making at least a couple of payments.
5. Only put in what you can afford to lose.
6. Consider it like gambling, you just have to win more than you lose. And expect to lose on occasion.
7. Use intuition, advice, and consider which programs successful people do.
8. Look for sign of weakness, if the sites not responding to tickets, making excuses for payment delay, don't invest more until things go back to normal.

Huria Abdulkadir, more reviews on home based business can be found at http://ideasandreviews-allreviews.blogspot.com