How to Manage Your Own Money and Investments

HYIP Cash
By: jsscouter

The latest economic recession reminds us that it is our responsibility to manage our own money and investments. There are many investment professionals available for advice and guidance. This includes CPA's, CFA's, Financial Advisors, Lawyers, Estate Planners, etc. They offer a wealth of advice and guidance but at the end of the day, you are responsible for how your money is spent, invested and used for the future.

Step 1
The first step is to determine what tools you need to manage your money and investments. This can be software on a pc, access to online banking and investing or the reliable paper statements.There are several software programs available. The most popular are Quicken and MS Money. Determine which software program would work best for you. Ask family, friends, co-workers for recommendations.Today's technology allows you the option of managing everything online. With this method there is no need for software on the pc or hard copy paper statements. You have easy access to your information any time of day from any location. If you are not comfortable with technology then you can manage your money and investments using paper statements. The paper statements allow you to reconcile activity on the back page, to keep a permanent record of the statement and to see everything at a glance.The key to selecting a tool is to determine what works best for you and to stick with it.

Step 2
The next step is to schedule time to review your finances. At a minimum you should- on a daily basis, record cash transactions and check writing activity. This could be done in a small check notebook.- on a weekly basis, file bills, receipts, invoices in a filing system. The file system can be set up by day, name, type, priority.- on a monthly basis, reconcile the activity to make sure your records on the pc software, online system or statements match your records.- on a quarterly basis, review the current status of your money and investments. Determine if your cash balance is going up from the last review. Are your investments appreciating in value. Does anything appear incorrect and needs further research. Does your portfolio needs adjusting.- on an annual basis, review your results. Determine how much money you received. How much of that money was spent. How did you spend it. How much did you save. Could you have saved more. How did your investments perform. Are the results in line with your goals and expectations.The important part of this step is to have a process that works for you and to perform it on a regular basis.

Step 3
The last step is do your own research. Since you have ultimate responsibility for your money and investments, take time to research using the internet. The internet is a great tool to get money and investment advice. There is a wealth of information available. Educate yourself and you will become a knowledgeable investor.

Tips & Warnings:
- Establish a process that works for you.
- Try different software tools before selecting one.
- Learn about all of the features and functions of software and online banking to utilize them to your advantage.
- Be patient as you learn.
- Remember to protect your identify as you use online banking tools

Article Source: eHow.com
HYIP Cash

How to Manage a High-Yield Investment Account (HYIP Cash)

HYIP Cash

By: John Woodworth

Managing a high yield investment account can be a daunting task, with many high risk scenarios affecting the life of the investment on a daily basis.Initially, you need to determine just exactly what is meant by the term "high yield." Many established financial institutions, and whose programs are insured by the Federal Deposit Insurance Corporation, offer high yield returns in the neighborhood of four to five percent per year.

These types of accounts are fairly straightforward and easily managed. You simply withdraw your interest and principle when allowed, and as needed.Other financial organizations, sometimes domiciled offshore, will offer investment vehicles yielding fifteen to one hundred percent annually, but with a disclaimer to the effect that you agree to "hold harmless" against any claims for any losses experienced.This article examines thorough measures to take when embarking upon such financial ventures in order to successfully manage your funds.

Step 1
Using a variety of search engines, type the program or company name with "+ scam" at the end. If the investment program has been active for even a short period of time, you will find valuable information in the query results. Lots of people write to financial Forums with positive or negative input. Read everything you can. Ask trusted family and friends for names of legitimate and knowledgeable investment experts. Seek out their advise.

Step 2
Research and join public Forums which pertain to high yield investing. There are numerous discussion groups in this arena. Get involved. Ask questions. Demand to see results. You can always remain anonymous as a member of these Forums

Step 3
Beware of scams. Not all uninsured high yield investment programs are scams, however many are. If you do decide to invest, make sure that you have withdrawal rights, then recover your initial capital investment as soon as possible. One of the larger high yield investment scams, called PIPS, lasted for several years, and actually paid its members millions of dollars before they were shut down by the authorities.

Step 4
If you know the name of the program owner, use the same search technique described earlier. There are sites managed by the Securities and Exchange Commission, for example, which will reveal any pending or past legal action taken against the person or company. If you can find the telephone number of the owner or operator, place a call to him with any questions you may have.

Step 5
When actually managing the account, check daily the investment details for errors, as these type of accounts generate financial information on a regular basis, and are subject to human error or interference. If the terms change, such as a limitation on the percentages which can be withdrawn, you are likely coming to the end of the program. At this point, withdraw as soon as possible.

Tips & Warnings:
- Try to get acquainted with a few people from these Forums. Even if the program turns out to be a scam, many of the Forum members are reputable people, like you. Their knowledge can be instructive in finding legitimate investment programs.

- Never invest more than you can afford to lose, especially with the more risky, uninsured programs. Use common sense. If you cannot locate contact details for the company or program, it is likely a scam. Be on the lookout for overly enthusiastic Forum members. Often, people are paid to post glowing reports to entice new investors.

Article Source: eHow.com

HYIP Cash

How To Select The Right High Yield Investment

HYIP Cash

By: Bill Dufrane

Here are some ways to know how to select the right high yield investment -

1. Research
Before ever venturing into this field, make sure that your entry point, either a company or another investor, make sure that it is reliable and trustworthy.
There are many scams that have fooled people into making them believe that they will make profits with the company. They convince their victims to invest right away their money. In the end, people give up money without getting anything in return because they invested on a non-existing entity.

Big amounts of money are involved in investments. Thus, do not let go of the money easily. Do a research first on a particular program or company. Know the history and performance and then decide.

2. Performance
Study how the investment performs in a particular period. Ideally, this should cover three to five years.

During this time, see how the management or company performs. There are instances when strong trends characterize the market. This is just like good luck, thus, high performance is to be expected.

The more crucial point to look at is how the management will work on other market conditions, especially when the trend in the trade is not that strong.
It is also a good thing to investigate the previous accounts held by a management being considered. Oftentimes, they put their best foot forward when presenting themselves. It is best to see their overall performance as against the good ones only.

3. Conflict of Interest
As much as possible, choose a management who does not get commission for their dealings. This is to avoid a conflict of interest. One cannot expect a manager to work for the interest of their clients if they get commissions too from the other end of the deal.

4. Way of Trading
See how the assets and funds are being traded. Learn about the methods being used. In aiming for high yield investments, this is a crucial aspect. A particular approach can help ensure that you will be able to get the returns, especially in the long term.

5. Drawdown and Profit
It is also good to look at the drawdown and profits of a particular investment. See how it performs in this aspect as the two may balance or offset each other.

For example a profit of 70% definitely sounds good. Of course, if it comes with a 65% drawdown, it would not sound good at all. Compare this to a profit of 35% with a drawdown of only 10%. The latter example is definitely the better deal.

Conclusion
Knowing how to select the right high yield investment as given by the points above can definitely help you in your endeavors. These can definitely increase the likelihood of getting big profits and being a success.

Article Source: GoArticles.com

HYIP Cash

4 Tips to Spot Fake High Yield Investments

By: Jack Sinclair

High yield investments are things that produce a yield of more than 2 percent per month. You can find some good mutual funds that produce 30% or higher in any given year, and they would fit the description of a high yield investment.

Unfortunately, mutual funds will never produce these stellar results consistently. Their good performance will cause a flood of money to come knocking on their door, and with a lot more money, it becomes harder to produce big returns.

Online, there are thousands of places that offer high yield investments. As you might expect, the vast majority are scams - simple ponzis set up to look like elaborate operations.
Once you have enough experience with high yield investments, you can usually spot the scams with relative ease, but even the best people still get caught in elaborate scams.

Here are the things professional investors look for when looking into high yield investments:

Fixed returns. If a program guarantees a time-based return (2% per day, for instance), then it is almost certainly a scam. No one has a crystal ball, and in the high yield community, uncertainty is the major force that prevails. So any one skilled at foreign exchange trading or options trading would never predict they would make 2% each and every day.

No contact information. The high yield investments that are real will always let you know who is behind it, and what they do. In the normal investment world, there is a prospectus for each offering, which describes what the venture is about, and how they make money. A real high yield investment would always give you the name and resumé for the principal people behind the operation. If you don't get a name, phone number and address, it is a scam.

No registration. All high yield investments will create profit, and be subject to taxation by some government somewhere in the world. If the persons offering a high yield investment have not bothered to register the venture, then it is most certainly a scam.

No Contract. The high yield investments that promise great things should put things into writing, and have you agree to the terms before they begin to earn you an income. If you find a high yield investment that does not require you to sign a contract, you can be sure they will disappear eventually - along with your money.

The SEC publishes a short description of what to look for, and it is well worth a minute to review it. It is at http://www.sec.gov/investor/pubs/investorfraud.htm

You should be aware that investor fraud is at an all-time high, and if you ever find yourself a victim of financial fraud, there is very little chance you will ever see your money again. Governments around the world are overwhelmed by the scams and victim complaints that pour in daily, so the best you can do is file a report, and be happy knowing you reported it.

Jack Sinclair teaches people how to make money 24 hours per day.Become a member and get passive income and residual income systemsfor free at http://www.templarbond.com

Article Source: EzineArticles.com

HYIP Owner Does Not Want You To Read This Easy Tactics

By: David Vagner

HYIPs bring me $8289.68 in this month. How did I get this money without work? Answer is simple: I followed my golden rules of HYIP investing. I have compiled a short list of some of the things you can do before investing into a program to make sure you get the most for your money:

#1 - Look at the main HYIP monitoring sites such as theHYIPs.net Main aspect that you should check it is status of program. If program has status PROBLEM most likely this HYIP will be closed in next 2 days. Look at votes and comments. If it looks like a program has been cheating the ratings by voting for themselves, or it looks like they may have hired a paid voter, then stay away. Check the voters IP, maybe the cheaters were not careful and didn't use a proxy

#2 - Search all HYIP forums for the name of the HYIP. Maybe, somebody created topic about program which you want. . Look for people's opinions. Often those who have been investing in HYIPs for some time are the ones with the best insite. If you see that somebody are spamming it is sign of short HYIP. Most importantly, look for complaints of people who have not been paid.

#3 - Do a search on google. Copy small parts (1-2 sentences) of the text from both the homepage and the page with information on how they make their returns. Paste it into the google search bar with quotes around it, and see if anything comes up. A good amount of the time, google will return results that are an exact match, usually a professional traders website. Also, do the same thing with any images of people that are shown to look as though they are the admin of the program. Simply get the name of the file that the image is uploaded as by viewing the properties of it. Then paste this into the google image search. You will be amazed that a lot of the time you will see that the image is a direct copy from another site. This proves that the admin is lying.

#4 - Ask the Admin for as much personal information as possible. Also, check out all the information he/she provides. If he/she gives a phone number, then give them a call. If an address is given, then check it out for authenticity by looking at online phonebooks, and other databases. The more information that is available, the less likely it is that the admin will take the chance of scamming hundreds of people out of their investments. It makes sense to email the admin and ask some questions such as: where are you located, how long have you been around, and how do you make your returns. Then compare this information with found one. The common answers you will receive are United States, 2 Years, and Forex trading. Usually if these are the answers the admin is lying to you. About 75% of all new HYIPs claim that they have been paying members offline for over a year. 99.9999% of the time this is a lie. If an investing firm is able to deal with members offline for 2 years, there usually is no need to go online with their business.

All in all, if you follow these steps you will likely be saving yourself a descent amount of money in the long run. They improve your chances of walking away with profits. This tips are not complete list. Full one of golden HYIP rules collected on http://thehyips.net/lessons

David Vagner have compiled a short list of some things you can do before investing into a program to make sure you get the most for your money.To know them read his FREE HYIP report here HYIP monitoring or visit http://thehyips.net/lessons

Article Source: EzineArticles.com

Three Keys To Winning Or Losing The High Yield Investment Game

By: M. G. Matally

So you want to succeed with high yield investment programs (HYIPs)? You do? How would you like to discover that your HYIP success comes down to just three key ideas? That's right.

Here they are:
1. Seed money
2. Compound interest
3. Greed level

Now, let us wrap some meat around these three keys to winning the HYIP game.

1. Develop the skill to protect your seed money, which is the initial principal you deposit into the HYIP. To do this, see yourself as a farmer that depends on his seed to reap a harvest. If the farmer loses his seed, he forfeits the harvest by default. From every harvest, the farmer saves seed for the next farming season. The money you bring to the HYIP arena is your seed. The profit or return on investment that you desire is your harvest. Like the farmer, if you lose your seed money, you will automatically miss out on the return (harvest). Nothing else matters; when you lose your seed money, the game is over in essence. Yes, you can keep bringing in more seed money, but you are not getting ahead when you do that; you are simply eating your seed. The successful farmer is one who lives off his harvest, while saving his seed to sow during the next farming season. If you can't guard your seed, you're done. Make sure you've withdrawn your seed money from the HYIP before you consider compounding 100% or anything like that.

2. Learn the when and how to compound interest. Your biggest temptation in the HYIP game is the Compounding Calculator that many HYIPs feature on their websites. That calculator is "the forbidden fruit" of HYIPs, and it is designed to be just that - a death trap. When you first decide to compound, do not have profit in mind. Instead, your first goal in compounding is to recoup your original principal, your seed money. If you deposited $500, and you withdraw $50 in two weeks, don't start telling your friends about how much you're making from HYIPs. You have actually made nothing yet. In fact, you are $450 in the hole, and you need to take note of that risk capital until your risk is zero. Then the first time you withdraw $50 after you have pulled out your $500, you have made your first profit. Why is this crucial to your HYIP success? The HYIP may not be around long enough to return your original deposit. Therefore, treat your initial withdrawals not as profit but as down payment on your seed money until you have recouped the whole amount.

3. Recognize your greed level. Exercise the discipline and self-control needed to tame the lion of greed. Nobody who wants to make or earn money is greed-free. We are all greedy, and hyipers are a little greedier than most income seekers. Beware that your greed level is directly linked to your seed money and your tendency to be sucked in by the compound calculator. When you tame Greed Beast, you put yourself in the best position to recoup your seed money before you can think about 100% compounding all the way. Greed is a giant obstacle in the way of your recouping your seed money. When you conquer greed, you will keep your seed.

The difference between HYIP losers and HYIP winners is centered on the three keys of seed money, compound interest, and greed level. When you understand and master those three concepts, you will be numbered among the 10% of hyipers that win this game.

Article Source: EzineArticles.com

Things To Do Before Investing Into A High Yield Investment Program

By: Brian Kay

We have compiled a short list of some of the things you can do before investing into a program to make sure you get the most for your money:

#1 - Search all HYIP forums for the name of the HYIP. Check for people spamming about the program, as this usually is a sign of a short lived scam. Look for people's opinions. Often those who have been investing in HYIPs for some time are the ones with the best insite. Most importantly, look for complaints of people who have not been paid.

#2 - Do a search on google. Copy small parts (1-2 sentences) of the text from both the hompage and the page with information on how they make their returns. Paste it into the google search bar with quotes around it, and see if anything comes up. A good amount of the time, google will return results that are an exact match, usually a professional traders website. Also, do the same thing with any images of people that are shown to look as though they are the admin of the program. Simply get the name of the file that the image is uploaded as by viewing the properties of it. Then paste this into the google image search. You will be amazed that a lot of the time you will see that the image is a direct copy from another site. This proves that the admin is lying.

#3 - Email the admin. Ask some good questions such as, where are you located, how long have you been around, and how do you make your returns. The common answers you will receive are United States, 2 Years, and Forex trading. Usually if these are the answers the admin is lying to you. about 75% of all new HYIPs claim that they have been paying members offline for over a year. 99.9999% of the time this is a lie. If an investing firm is able to deal with members offline for 2 years, there usually is no need to go online with their business.

#4 - Look at the main HYIP rating sites. If it looks like a program has been cheating the ratings by voting for themselves, or it looks like they may have hired a paid voter, then stay away. You can usually tell if a program is cheating by trying to look at what else each member has voted for. Also check the voters IP, maybe the cheaters were not careful and didn't use a proxy

All in all, if you follow these 4 steps you will likely be saving yourself a descent amount of money in the long run. HYIPs are extremely risky, and these steps alone do not guarantee success. They only improve your chances of walking away with profits.

About The Author: Brian Kay - Owner of some of the Largest Online Investing forums which include: http://www.talkgold.com/forum http://www.thehyipforum.com/ http://www.web-life.org/vb

Article Source: EzineArticles.com

Starting Small with High Yield Investment Programs

By: Mika Hamilton

“The key to making money in stocks is not to get scared out of them.” - Peter Lynch

Are you interested in investments but the thought of actually doing it scares you to death? Do you wonder exactly how much money you need to start investing? To begin investing, new investors need to remember to start small and be educated.

You can start investing, today, for only $100 dollars. Most people can scrape together an extra hundred dollars and begin investing. The goal is to find the investment which will give you the highest return possible and really make that $100 dollars work for you.

After all you worked hard for it. Most people think that the only place to invest money is in stocks, bonds, real estate, and mutual funds. However, one of the best ways to invest small amounts of money or 'capital' is in high yield investment programs or HYIPs.

High yield investment programs are available online and anyone can invest in them. The individual can choose how much they want to invest, who to invest in, and when to stop investing. High yield investment programs are open to anyone who wants to participate in them unlike other investment vehicles which require a huge initial investment. Most high yield investments give a 20% to 40% rate of return per month. If you begin with a $100 dollars at the end of the month, you can see your money grow to $140 dollars. If you choose to keep reinvesting this money could quickly reach several thousands of dollars.

It is important to point out that all investments have risk, and high yield investment programs do.

They are a great way to raise capital quickly but they are not secure enough for establishing long term wealth. This type of investment takes the same level of research and money management as other investments doe. High yield investment programs can also be financial schemes. Make sure before you invest in anything that you fully research the company and investment guidelines.

You can start investing with just $100 dollars. Starting small, is the best way to get your feet wet in the stock market and know if it is right for you. By starting small you have very little to lose. In the worse case scenario, you lose your $100 dollars and move on. Do not miss out on making your money work for you because you are afraid. You should not fear investing, when done right, it can be extremely rewarding. Everyone, no matter how much money they have, has the right and the ability to invest and secure their financial future..

Visit the Global Investment Institute and signup for our free Investing For Beginners E-Course at http://www.global-investment-institute.com/ Investment webmasters or publishers, please feel free to use this article provided this reference is included and all links remain active.

Article Source: Ezine Articles.com

The Benefits of High-Yield Investment

By: Groshan Fabiola

High-yield investment can turn out to be very rewarding for investors. Although there is a certain amount of risk involved in high-yield bonds investments, they can also be very profitable for investors if they are targeted towards companies that have the potential to recover from their financial instability.

A high-yield bond, also known as a junk bond or non-investment grade bond, refers to debt security that has a very low rating. High-yield bonds are usually rated below BBB (according to Standard & Poor's) or Baa3 by Moody's; therefore they have a rating lower than the investment grade. Investors have access to high-yield bonds either through mutual funds or through individual business investments. High-yield bonds investments through the means of mutual funds are considered to be a lot safer, as they considerably reduce the chances of investing in non-profitable business trusts or companies. High-yield investments can become very profitable, as they can sometimes produce returns higher than those of solid, above investment grade bonds.

Companies that experience a temporary regression, going through less favorable financial situations, usually offer high yields to investors, in order to gain their interest. The trick in high-yield investments is to choose the right companies! Target your high-yield investments towards companies that have the ability to recover from their financial difficulties. For instance, you should avoid high-yield bond investments in companies that are constantly having difficulties in maintaining their position on the market. It is advised to invest in more powerful companies that have the ability to overcome their financial crisis. By investing in such companies through mutual funds, the risk of failure is considerably reduced.

High-yield bonds are a great opportunity to increase investors’ profits and they are also a good way of expanding business portfolios. The interest rates of high-yield bonds are also a lot more stable than those of investment-grade bonds and therefore they can build a stable, predictable income. Although high-yield bonds are exposed to some risks, investors are the first ones to benefit from debt insurance, therefore minimizing possible financial losses in case of bankruptcy.

If they are carefully speculated, high-yield bonds can become very lucrative and can also expand the investors’ business portfolios. High-yield investments should be always closed through mutual funds, in order to minimize the risks of investing in financially irregular companies. If they are targeted towards the right companies, high-yield investments can be very rewarding in time!

High yield investments have become very popular this days. If you are looking for great information on different high yield subjects follow this links.

Article Source: EzineArticles.com

High Yield Investment Programs Guide

By: Chester Chen

HYIPs, or High Yield Investment Programs, skyrocketed in popularity with the advent of e-currencies, such as StormPay, e-gold and the like. A significant reason behind such immense popularity is the fact that HYIP organizations offer enticing interest rates of around 1% per day or even more. It is evident that, on an annual basis, the yield far exceeds even the most generous of schemes in the financial markets. Furthermore, it's easy to get the gist of HYIPs, and they allow investors to invest even a scanty amount upfront.

However, the unusually high yield is a telltale sign that the scheme does have associated risks. In general, as far as investment is concerned, high yield involves high risk. Therefore, a HYIP can be either a lucrative investment option or an outright scam orchestrated by a bunch of swindlers. Several phony HYIP schemes make use of the ponzi or pyramid structure. In such a scenario, new entrants provide the cash to pay existing members. Such fake schemes are bound to fall apart eventually, when there is a dearth of new investors. Thus it is imperative that you distinguish between scams and authentic High Yield Investment Programs.

All HYIPs are not out and out scams. Many legitimate HYIPs offer great returns on even the most diminutive investment. HYIPs are all about astute investment. That is, you must possess an uncanny knack of good judgment. This would enable you to pull out early if the situation gets a bit wobbly, and you presume that the HYIP is likely to fall apart. Nevertheless, as long as you keep getting a decent amount of referrals, the HYIP would typically continue to pay the promised returns.

There are a few guidelines that you may follow when investing in HYIPs. This would ensure that you don't fall prey to a fake HYIP scam:-

a) Some investors go flat-out and invest a great deal in a particular HYIP. Investing too much too early is not advisable.

b) As such, HYIPs are met with skepticism. It is imperative that you test the withdraw function as soon as possible. This would help build trust in the particular HYIP, and then you could go on investing sizable amounts for a longer duration.

c) A telltale sign of a fake HYIP is when you are unable to attain even your initial investment amount within a reasonable timeframe.

d) Don't get greedy and invest scads of money in a particular HYIP. Instead, divide your investment funds in an astute fashion, and apply them towards different HYIPs. This would help protect you from bankruptcy, even if one of your HYIPs falls apart.

e) There is no point saving up for that one big withdrawal. It is recommended that you carry out investments with intermittent withdrawals.

f) You must track your returns with discretion. Handling investments in an imprudent fashion could leave you in a hole.

However, after having been involved with various HYIP programs and other schemes that promotes profit growth that seems too good to be true, they all share something in common, which is - All HYIPs are scams.

* Chester Chen have been experimenting with various methods to make money online and he have found the perfect and proven formula that could be your answer to achieve financial freedom.

Article Source: EzineArticles.com

Avoiding Scam HYIP Sites

By: Timothy Hatchets

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

Article Source: EzineArticles.com

Tips For Successful HYIP Investing

By: Ilham Maulana

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.

Summary
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.

Article Source: EzineArticles.com

HYIP: Playing It Right

By: Robert Thatcher

Mention anything that could lead to High Yield Investment Programs and people will listen. There are good HYIP’s and there are bad. Anything that is good has always attracted the wrong people.

HYIP’s has been around for so long coming in different names and guises but no matter what, it has not failed to attract customers. The good thing about HYIP is that it can offer good returns for investments sometimes as good as 250% in one month. The bad news is, it has its sorry share of scammers.

HYIP is probably one of the most exciting things happening online for people who are looking for ways to earn a good return for their money. Today, HYIP speculators can earn substantial profits for their investments. A HYIP may invest in properties, in stocks and in other HYIP. As these are good investments and people are flocking to it some HYIP programs are online to prey on potential investors.

HYIP programs are getting more participants by the day and every so often another HYIP program is launched. Many investors have succeeded earning fortunes virtually overnight.
Just like any other venture, especially when these have very high returns, HYIP also involves high risks, Although for people who have done their homework and played it right, a HYIP can be extremely lucrative.

If you have participated in any high yield investment programs before, you will know that programs of this nature have its own large share of scammers and you know what it means to take caution. Even when HYIP is recommended to you by a friend who have visibly earned from the venture, even when respected people in the business and in the community have profited, there is still substantial reason to be cautious and to make very good back ground research. It is a part of a scammer’s strategy to make some people win to attract more. This is similar to dropping baits to be able to fish more. More often than not, it is the good unsuspecting guy that suffers. This is why when parting with your money, serious research is needed. No one has to feel pressured to invest as long as there is still that nagging discomfort that warns you to hold back.

Good or bad, here are some pointers to get some certainty on your investment:

- Any investing is a risk. Winning and losing is a part of the game. This is why many good investors will tell you to invest first the money that is not a part of your active income. Fight first against to urge of investing a fortune even when you are certain you could win. That could come and happen anytime. There is no rush and definitely there should be no pressure. Remember HYIP investing is like gambling. While there is good fun in winning big the first time, many people who felt so certain have also made devastating losses.

- Choose HYIP programs that has been conducting successful programs for months not those that have been conducting for more than two years and definitely not those who have been there for only two weeks no matter the returns on investments that it advertises. Then conduct a shortlist.

- Do not put too much egg in the same basket. Diversify.

- Keep on monitoring the programs that you joined. If one of the programs that you joined has been down 4 times during the month, pull out your investment.

* Robert Thatcher is a freelance publisher based in Cupertino, California. He publishes articles and reports in various ezines and provides HYIP resources on http://www.about-hyip.info.

Article Source: EzineArticles.com

HYIP Monitors - How They Work and Can You Trust Them?

By: Michael Goldman

HYIP, or High Yield Investment Programs allow you to earn a considerable daily or monthly interest on your investment. It can be something from 5% monthly to even unbelievable 50% daily. The risk is very high and you need always to know the most up to date information to take the right decision. By investing in HYIPs you risk your money every day, because you has no warranty that your money is safe and in fact it isn't.

There are several sources of information about HYIP programs, though no one of them is perfectly reliable, you should use them all and know how to find the needed information about every certain program. Without the right information it may be much harder to be a successful investor.

One of the main sources of the HYIP information are the HYIP monitors. HYIP monitors list all HYIP sites and provide with some basic information about the program, as when it was started, how does it claim to gain the needed profit and what are the interest and fees, but also the most important information - if the program is paying or not. Some programs continue operating even after they've finished to pay their members and while experienced investor may always find out easily if the program still pays or not, newbie investors may sometimes lose money on such programs.

All HYIP monitors work in a very simple way, they just monitor all the HYIP programs and also sort them by payouts, age and their preferences. Lots of HYIP monitors also allow people to vote for the programs. While this is a great feature, some of the votes may be easily forged by the program owners themselves, but still the majority of votes are usually made by real persons, which were happy after they got paid. Also pay more attention too the bad votes.

Good programs are never marked with "not paid", so if any HYIP monitor claims that the program is not paying, stay away from it. But even if the program is paying now, it may stop paying soon and turn to a scam. Look for more information about a program before considering an investment.

There are now hundreds of different HYIP monitors and most of them list hundreds of HYIPs, the competition is very high, though Goldpoll is one of the biggest HYIP protals. Other good HYIP monitor is HYIPs Analysis, where you can check an average lifetime of any HYIP program and estimate how long will a certain HYIP last.

HYIP monitors earn from the interest paid by the HYIPs, but also form referral comissions generated by their visitors who decide to invest in the program. Also every HYIP owner should usually pay around $20-$50 to get his HYIP listed. This money is invested aftewards into the program.

HYIP monitors are great to check the program and see if it pays, but they mostly list programs paying high returns, like over 10% daily and these HYIP usually don't last long, so a lot of people get scammed by believing that the program is able to generate this kind of interest for a long term period.

Use HYIP monitors to find new programs, but also use HYIP forums and read HYIP articles to educate yourself more and to be a more successful investor. GoldenTalk is a good HYIP forum, you can find plenty of useful information there. Also read articles and reviews published at HYIP Best.

* Michael Goldman is an experienced online entrepreneur and investor, he helps people to make money online with his sites. For more information about HYIPs, you can see HYIP Articles and Reviews and great list of HYIP monitors and HYIP forums.

Article Source: EzineArticles.com

What is HYIP?

A high-yield investment program (or as known as HYIP) is a type of Ponzi scheme, which is an investment scam that promises an unsustainably high return on investment by paying previous investors with the money invested by newcomers. (Source: Wikipedia)

While a HYIP may sound enticing, you should be careful; many HYIPs are little more than thinly disguised ponzi schemes.

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

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

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

Article Source: wisegeek.com