Monday, August 28, 2006

HYIP : Investment Strategies

by Ramesh Kumar V

Many of the investors plan their own strategies by their experience. Experience makes them know the Do's and Don'ts of HYIP. Once people get well versed to play in the risky yet lucrative arena, they start multiplying their resources. While there can hardly be any universal strategy for all cases, there are certainly quite a few patterns to be followed.

The preliminary step one has to take before investing is to identify the fallacious programs and get rid of them. Then the nature of the program is to be analyzed and then the investor should act accordingly. A few points or strategies worth adopting are listed below.

Frequency of Payouts

The key point to note is the frequency of payouts. Check whether your interest payouts are made on a daily, weekly or monthly basis. If they are made daily, you have got a better chance to have a lucrative sum. Your profit increases day by day with the existence of the program. Don't be in a misconception that a program is more stable if it is paying monthly. Many programs which payout monthly gets doomed within a couple of months and there are archetype programs which makes handful of clams within short durations, to be precise, in few weeks. As far as the influx of new funds is there, the interest is being paid. When it becomes extinct, the program closes and your interests as well.

Program Duration

There is a formula that helps to determine the approximate lifetime of a program.

Lifetime of a Program =

[(SD + SH + KR) * (NO + NF + WD + GAR) * (NKI + SKW + SKR) *365] /

[((KI / SV) * (KO + RT + 1) * (KS + STR)*100000)]


* SD -- approximate cost of design;
* SH -- cost of hosting;
* KR -- advertisement expenses;
* NKI -- presence of contact information;
* SKW -- compliance of the indicated contact information with the information given by whois service;
* SKR -- compliance of the indicated contact information with the real addresses and phone numbers;
* NF -- presence of forum, quality of its development;
* KO -- number of mistakes in web-sites content;
* RT -- deviations in text (if the content is stolen with different sites or written without giving any * consideration, the text will have incompliance);
* KI -- dynamics of growth of investors number during the first week of projects existence;
* SV -- sums of investments;
* WD -- information on business activity the program gets incomes from; subjective evaluation of data adequacy;
* GAR -- presence of guarantees;
* KS -- number of persons engaged in projects maintenance and support;
* STR -- place of projects accommodation;
* NO -- presence of office.

Program duration or age is also a factor that one needs to focus on in order to make the investments fruitful. The situation gets more complicated because even the trustworthy projects fail sometimes. It happens, for example, when program leaders did not manage to promote their program right or played fair on the currency market risking all their funds.

Profit Rates

Any investor will incur a huge loss if they are too greedy. Even if you regularly get the program's earnings during several months it is not the reason to mortgage your property or take a credit under unbearable interest. You may find yourself with nothing if you spend your money recklessly. A program which does well today might get closed tomorrow. The well doing of a program is always uncertain. Also, it is a common opinion that, any program which offers above 2% a day would vanish within a matter of days.

One more point worth taking into account is the interest rate being either fixed or variable. Through many years of study, it has been made clear that, programs offering variable interests are more likely to be involved in some actual trading than the ones with fixed interest rates.

Type of Account

Some programs facilitate their clients by providing internal accounts. The client needs to submit a withdrawal request in order to get the money transferred to their e-currency account. Normally the case is different. The amount will be sent to the account directly without any internal accounts. The later one is better to choose because, you can identify whether the program actually pays or reports some bogus interests in your internal accounts.

Investment Demarcations

The most popular forms of fraudulence is Ponzi. It's a classical financial pyramid where the profit is generated mainly by attracting investments from new participants. Majority of programs have their minimum investment value as low as $1. Before investing, you must be aware of these kinds of programs which are available in abundance. You should use your sub conscious mind in order to think what such a program can do with such a minuscule investment from investors like you, regardless of number of people. Up to some moment it looks stable as the payments are provided with real money invested into the program by new members. However, the impression is false. At some point there comes the stagnation and new members stop joining the project and the pyramid breaks down. Programs involved in some real business do not accept deposits less than $50 (minimum). It is not that, investors should only invest in programs which requires huge some investments. But, moderate amount, say $100 per program will do.

Precautionary Measures

The following tips will help anyone who needs to invest safely and get an acceptable interest.

* Never invest more than you can afford to loose.
* Don't allow greediness to blind you.
* Check the originality of the program by visiting the site. Be more cautious if the site is free listed and/or copied from other sites.
* Before investing make sure that the program pays directly to your account. Because, the programs which maintain internal accounts might report bogus details of your account in their site.
* Never trust HYIP that put fake info in whois database. Invest in those who had passes the DD (Due Diligence) process.

Always have in mind that a program would be a potential scam unless or otherwise, you have a positive reason to support it. Be cautious in such a way that, you get profits from HYIP or else, HYIP will profit from you. Analysis of various risks involved before investing will definitely yield fruitful results. More information on HYIP, E-Commerce, Money Exchange etc. are available in . You can come across various forums, discussions and blogs related to HYIP.

Ramesh Kumar V is a Freelance Writer from India. He is working as a Senior Software Engineer in an MNC. He has published articles in various topics. His profile and samples of his works can be found in his website

Sunday, August 20, 2006

How to Succeed With an Internet Business

by Timothy Rohrer

When it comes to starting an internet business many people believe that it can create instant wealth overnight. In most cases this is not true, but there are people that have created loads of cash from a simple home business over the course of a few months. It's not always obvious how to go about starting a home business and a lot of people can't quite grasp exactly how to be successful online. Sure it can be done and many people still do it, but each and every single person who has created wealth online needed some type of blueprint to follow.

The simplest way to get started is learning from those who are already succeeding in the online world. Starting a home business is not something that happens overnight. A home based business is built overtime with consistency and coupled with failures along the way.

To understand how one can make money online, we have to first look at the different types of ways to generate income using the internet. Generally speaking there are two types of ways to make money online and that is through investing, trading, or selling. It doesn't matter which one you chose, just as long as you follow through with your initial plan. All three ways can be lucrative with the proper tools.

Investing typically involves putting money into a company and receiving a return on your initial investment. Many people invest through HYIP programs and auto surf programs. Though HYIP's and auto surf programs do work, they usually only work for a very short period of time. Investing into HYIP's and auto surf programs requires a get in and get out strategy. Most HYIP's and auto surf programs are located offshore to avoid any US government involvement.

Trading online can range from anything to stock trading, e-currency trading to Forex trading. Though there is a bit of risk involved, the most secure type of trading is e-currency trading. E-currency trading has been growing rapidly with more and more people buying products online. Since an online transaction is not completed in the form of hard cash, we use services such as paypal, e-gold, or e-buillion. In order for these transactions to take place, there has to be an exchanger on the other side of the transaction that converts the money from hard cash to an e-currency. The exchanger receives a fee from the buyer for completing the transaction. This can be extremely lucrative if done properly.

Lastly selling affiliate products is another way to generate income online. Selling products online is becoming more and more competitive each and everyday. Typically an affiliate business involves selling a bunch of other people's products and receiving a commission on each product sold. Setting up an affiliate business requires a good amount of advertising and a follow up system.

It is possible to make money from all three ways discussed and all three lead to the same place and that's making money. The key is to find someone that's already succeeding and learn from them. Pick their brains, join their newsletter and communicate. Eventually you will find your success.
Tim Rohrer is an established writer and home business owner. To learn about a proven system, visit

Tuesday, August 15, 2006

Affiliate Marketing 101

by Joyce Filbeck

Affiliate marketing is one of the hottest home business opportunities around. With some basic training, you can easily set up an affiliate business and get started in a couple of weeks. Affiliate programs are the best way for you to sell someone else's products or service and get paid for it. Selling through an affiliate program is a great way to sell on the Internet without getting knee-deep in product.

You market the product or service online (that includes websites, emails, forums, blogs as well as paid advertising). The company then is responsible for the product; they process the payments, ship the merchandise, and handle any complaints. You provide the marketing and get the commission. Brilliant!

Say you own a website giving people information about Jazz Music. You could place links to products related to Jazz Music, CD's, download sites, etc. on your website. When your visitors click on your links they will go to the website you are promoting. If they buy, you will be paid a commission. Not bad for providing information huh?

You can find affiliate programs just about everywhere these days. A good way to find programs you'd like to join is by doing a search on your chosen topic. See what your competition is doing for a place to start. The affiliate networks such as ClickBank and Commission Junction are great places to look as well.

Look everywhere you shop online. Check the web sites for the words affiliate or partners. You'll soon see there are almost no merchants online today who don't have some sort of affiliate program. If you're going to have a website or blog, you should definitely have affiliate links.

When you register for your chosen affiliate program you will receive your own personal ID number. When you place your link to the website you're promoting on your website, you will use a link address which includes your unique ID. Anyone who makes a purchase via your personal link racks up commissions for you. These commissions are paid based on the pay schedule of that particular program.

There are a number of products which show you the ins and outs of starting your affiliate business. Check the resource box of this article to get the two best and most economical products on the market today. Each of these products is guaranteed by the product owner and each has its strong points. The most important one being, you get the information you need without spending a fortune.

Easy as pie? Right? The truth is, you will probably need one of the resource products to get things set up; but I wouldn't spend a lot of money on them. Check out the recommended products to get you started. Above all, get started. You won't earn until you learn. Good luck!
Joyce Filbeck runs the website, your resource to start a business from home , without all the expense. Download your FREE copy of the 7 Step Guide to Profits Online here.

Saturday, August 12, 2006

Beware of HYIP Scams

by Ferdie Frederic

Are you looking to make some extra income? Or are you looking for a secretive investment with phenomenal returns? Then HYIP's are not the place for you.

What is a HYIP? Simple: High Yield Investment Program.

HYIP's are all over the net. You can see them when ever you search google for investments. They are the one's that offer you a crazy insane amount of a return. Sometimes even %30 a day. For those who are new to the investment world, those kind of returns just cannot be produced, no matter what.

You might say, "hey, I tried one of those programs and I did receive those returns for several days." Yes, you're right, that's exactly the way they work. They give you the money that fresh blood brings in. This is called a "recycler" program. So you're talking about several days, several weeks, or if their really good, several months or even a year until they eventually close down and no longer can match the amount of money that needs to flow around to keep the program moving.

Trust me, before you lose you're money in one of these scams, there are many that have lost their car payments and mortgage payments in these programs. If you don't believe me you can go to or and go to the forums and search invex or ingenious packages, two popular almost legendary programs in the HYIP arena. You see will a list of complaints and stories of how people lost their life savings.

Even though that this is true, they are many people who still choose to invest in these programs while understanding the program is run illegitimately. They consider it pretty much betting or playing a game. Some of these websites are even referred to as games to take away the heat that it would receive if it was named an investment opportunity. The trick is to invest within the first couple of weeks and then run. Many people utilize this tactic because most HYIP's do not last over a month or two and because with the insane interest rate you can profit within a couple of days.

Even if you have never heard of HYIP's, trust me they are around and plentiful. Several of these websites open up every day and lure innocent individuals like yourself looking to make some extra income. The amount of these websites are staggering to say the least. You can check out a HYIP monitoring site like and see the amount of websites there are and how many are being added on a daily basis. It's unbelievable to know that these website keep popping up and nobody regulates them.

So You Say How Do I Know It's A HYIP Program? Well, it's never easy to say, but there are few guideline you should follow:

1) Egold Be careful of programs that require you to send money through this service because egold transactions are permanent and cannot be reversed or stopped unlike Paypal or using a credit card. This is perfect for someone who doesn't want to provide refunds and just run away with your money.

2) Guarantees No investment program can provide guarantees or should, mainly because the government will keep their eyes on programs like these and so should you. So when ever you see a guaranteed, "10% return in one week", run!! Investment markets are volatile and fluctuate from second to second, so the only thing you should except is a chart of the programs history, but even that doesn't guarantee future success.

3) High Returns Astronomical returns are a sure sign a company is a scam, 20% to 30% a month should be a red flag for anyone looking for a good investment program. Stocks usually average about 5-7% return a year and the high performing ones may only go as high as 30% percent within one year.

Whenever you do invest. Just make sure you do your Due Diligence on the company or group your investing with. Such as: - Company History - Licenses - Complaints with any bureaus - Complaints on any forum boards - Performance History and etc.

Investing should not be looked as a get rich over night scheme but a way to help your income to grow steadily and continuously.

Article provided by A website dedicated to work at home business opportunities and resources

Monday, August 07, 2006

High Yield Investment Programs: Risks, Scams, And Profits

By Michael Goldmann

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 learn more about Michael's investing techniques by visiting his site More information can be found on

Friday, August 04, 2006

Do not trust everything one HYIP/Autosurf Forum says

by Adrian Alexa

I want to say some words about money making forums. There are so many out there that you must realize that not all of them are 100% accurate. To fully understand the concept we can divide HYIP/Autosurf/Online Money Making Forums in 2: Regular Forums and Forums maintained by one investment program. Because of the fact that these forums can offer important information about such sites many members constantly join them and can be mislead. Let us take both types and analyze them a little.

Forums maintained by one investment program

Many hyips and autosurfs out there (better said the vast majority of them) will run a forum for its members. Such a forum is opened in order to discuss problems and offer support for its members. Although it can solve a lot of problems, mainly script errors and situations in which payment was not received, it can also cause some misleading. The biggest problem in this case is forum ownership. The owner is also the admin/webmaster/individual running the investment program. You can imagine the fact that he is also the main moderator and if he/she has bad ideas in mind (IE. to scam members) you will never see one thread that will speak badly of that site. Such forums need to be avoided when deciding about investment!

Regular Forums

Such forums are led by an outside source. The admin and moderators are usually not leading investments in any official HYIP/AUTOSURF. This basically means that they do not own such sites. They are just regular investors like any of us! These are the forums you really need to check out before investing. Unfortunately these are also not safe. They can quickly become one sided as well. What you need to be on the look-out for is a forum that allows members to express their experience with a given investment site without censhorship! Any forum that will delete one of your negative posts does not deserve you as a member so why care? Go to one that really counts and is 100% objective!

To sum up we recommend some forums you should check out if you are serious about using forums to find out more about investment sites:


MoneyMakerGroup (known as MMG) - My personal favorite


Adrian Alexa is currently the web master of and an active blogger on several autosurf-hyip related web sites!

Tuesday, August 01, 2006

5 Tips For Successful HYIP Investing

by Gold Bullionaire

HYIPs are quite a challenging investment and if you truly desire to profit it from them you must be able to weed out the bad programs and only invest in the select few that have the best chance for success.

Through my years of experience investing in HYIPs myself, I bring to you the following 5 tips that I ALWAYS look for before investing:

1. Advertising - This is one of the most important factors. Any HYIP that advertises will get a lot more members and more money flowing in than a HYIP who just has a thread on a couple forums.

Because of this there are also a wider range of people promoting it and telling others bringing in even more people and investments. And as you should know new members and new investments are the cornerstone to a longer lasting HYIP.

Advertising is probably the one factor that can make the biggest difference in the success of a HYIP.

2. Reputation - Before investing in any HYIP it is vitally important to check out the reputation of it and read what other people are saying. By checking the reputation you can protect yourself from joining a HYIP that's not paying or that has poor customer support or that is inevitably going to fail very fast due to people posting bad experiences.

It's also possible that someone has a good idea who the HYIP admin is and depending on what they have to say about this admin they can increase the number of people who join or completely halt the increase of new members.

If the HYIP doesn't have much of a reputation yet because it's too early, you could wait until you hear more about it or simply join based off of the other 4 major factors.

3. Earnings Gap Between Plans - I've seen plenty of HYIPs that look great right from the start but after more closely reviewing their plans I see that it can really make them far too risky.

Multiple plans are common among HYIPs and they typically involve giving higher earning percentages to the larger investors. This is very common and in fact can be helpful for a HYIP, but watch out to make sure the higher plans don't pay out too much more than the lowest plan.

This will keep you from getting into a HYIP that gets totally decimated when the couple largest investors decide to take out all their money.

4. Age of the HYIP - You must look at the age of a HYIP before investing. So many people out there will look to see what program is having the most success and then invest in it only to have it close down within the next couple days.

If the HYIP is too many days old your risk can greatly increase. It is best to try to enter very high paying HYIPs within the first couple days and for the lower paying HYIPs within the first handful of days. I'm avoiding specificity due to the fact that this completely depends on the type of HYIP.

The point is that it is a good idea to get into a HYIP as early as you feel comfortable getting in at. If you're happy with all the other factors and it looks promising get in then or don't get in at all.

5. HYIP Monitors - Basing your judgement off of HYIP monitors alone is a very bad idea but if you combine it with the other factors mentioned here it can help increase your odds of success.

If a HYIP is subscribed to at least a few Monitors then it is a good sign, if it is subscribed to a lot of Monitors or has paid for premium listings on a Monitor then it is a better sign. Conversely, if it is not subscribed to any monitors then you should be a little more wary.

Truthfully this factor doesn't weigh too heavily on my investment decisions but it can help push me one way or the other when I'm on the fence.


Using these five tips you will be able to choose HYIPs that are more likely to succeed and hopefully will become a more successful HYIP investor.

Remember that these 5 tips don't specifically apply to every type of HYIP but should still give you a good idea of what you may want to look into for any program that you join.

For more detailed info, HYIP recommendations, and my own documented experiences as a HYIP investor check out my blog. Maybe you too can use my strategy to gain great profits and become a successful HYIP investor: HYIP Investment Strategy Blog