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the collapse of leading HYIPs


Hello noriskinvestments.org”s members As you are probably aware over the last number of months the collapse of leading HYIPs like GeniusFunds, NanoMoneyCorp, GNI, PTVPartner, PanaMoney etc. all in quick succession of each other caused a domino effect where smaller (but stable) programs followed and investors became more cautious with their funds. Or what was left of them.
There’s been problems in the past, but not quite like this one. For example huge online HYIPs have collapsed, but there were always ten others to soak up the damage and remain unaffected. This time however it seems that the crisis began with too many people putting themselves in the position of depending on HYIPs for a primary income rather than just a supplement to a secondary income. And whatever about all the lies from GeniusFunds and PanaMoney, to the endearing credit of GNI at least they always warned (and explicitly warned) against putting yourself in that position. Did people listen? No, but that’s another story!
But the piggybacking of smaller programs on bigger ones contributed to this “domino effect”. So imagine PTVPartner investing money into GeniusFunds instead of the mythical silica mine. So after GeniusFunds closes the funds dry up and after some time the program had nothing left with which to pay to its investors. Of course that’s just a theoretical example. I’m not saying that’s exactly what happened in this case but you get the general idea.
The last month was especially hard on investors after the losses suffered by the afore mentioned closures. After suffering one too many bad experiences many of them decided to make up for the previous losses by investing in short-term programs. The problem was after receiving the first profit they (having been burned once too often before) don’t reinvest as they are afraid (and rightly so) of being scammed. This in turn causes too many admins to run their programs only for 1 or 2 cycles and therefore only those who get in early are able to stay in profit. Even one of the most famous characters in the HYIP world Roger Miller re-opened a program under his “own” nickname (almost a branded trademark by now!) only to realize that it couldn’t be sustained for more than two cycles.
Still there were many investors who tried to deposit into new short-term programs recently therefore making it very tempting for the admins to open more short-term programs paying after 5 or 10 days, collecting money and then vanishing into thin air on the very day when the first payouts on expiry were due to be paid. These are especially ugly tactics and were applied by many HYIPs. Recent examples include ExcellentChoice and EarnForexProfit which closed before anyone was in profit. It’s no wonder therefore that things are getting worse by the day while investors are getting more and more picky and regular short-term games are not in demand anymore. The admins should become more inventive in order to spark some public interest by offering some sustainable plans and unique solutions to make their programs stand out from the rest.
Which doesn’t always happen by the way as one program I was very enthusiastic about but failed to deliver was StaunchFinances. Another recent attempt to revive interest was made by the admin of FastBucksPro who took the unprecedented step of re-introducing the 50/50 rule. A sometimes admittedly unpopular rule from yester-year but one that made well-organized surfing programs in the past run for months and enable investors to make enormous profits. We will see what will come from this idea pretty soon.
So what we have now is the worst crisis in five years and possibly the worst crisis in the online HYIP industry ever. Even for smart investors it’s almost impossible to be in profits in the long-term.But what are you supposed to do during these hard times? First of all, if you’re not ready to lose your money stop investing in HYIPs, at least temporary. I believe that in autumn we can expect some good new programs emerging which will help the industry get off its knees.

So now that you’re aware of the current situation with HYIPs it’s totally up to you if you want to continue or not. I would suggest to simply play HYIPs for fun and not to throw enormous amounts of money around in any of them. Use AlertPay and SolidTrustPay more often for a possible refund and don’t take it personally if you lose. Everything is part of a learning curve. So when recovery comes and big HYIPs will launch once more you will play the game a bit better. And one more thing – never take HYIPs too seriously as they are all ponzi-games which will end sooner or later. If you’re playing HYIPs be ready to lose (as well as win) and don’t sell your car to make profits from HYIPs. I’m not saying it’s impossible to make money from HYIPs (quite the opposite!) but you will just sleep better at night and more comfortably

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What is HYIP?


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

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

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

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

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HYIP Investment Rules


1) If it sounds too good to be true, it probably is, and,
2) Never invest what you cannot afford to lose.

Below are guidelines for newbie investors who will try to venture the very challenging world of HYIP…a shark infested waters of the HYIP world as one of my forum mate jokingly had said.

Plan Long-Term

Never ever dream or plan to get rich within a very short period of time, get rich quick schemes just don’t work. The good HYIP investment programs will pay consistently and reliably, I will not give any examples, because that is your job to find them out. I recommend being in programs for at least 6 months- 1 year, that way you can make consistent profits, if you try short term HYIPs, you will be stressed out and possibly loose all your funds.

Get Ready to Loose

“Prepare for the worst, hope for the best”. Losses will occur every once in a while. It is a fact of life. If you are prepared, you won’t be caught when you are weak, and it will only serve as a learning curve, a greater vigilance to these things, and serve to make you stronger, you can learn a lot of things from other people, but learning from mistakes I believe is the most effective way. There are many ways to fail, and each loss represents less ways left to learn from.

Don’t Quit!

Winners don’t quit. Read and study all that is available, if this means reading every forum and blog word for word then so be it. Knowledge is power, and if you fail you will learn new ways, make many plans and attack them, find weaknesses in these plans, you will not loose the next time because you can’t. However if you quit then you will never know what would have happened and you may regret that choice.

Diversify Your Investment

This is extremely important, never put all your eggs into one basket. You should invest in as many programs you feel are legal and not a scam. I find this quite difficult and there is only a handful of legit programs out there. I would aim to have around 5 good programs to invest in, if one program was to scam or have major losses, you will still have the other 4, however if you just invested in one, then you’ve lost everything. Try to spread your funds evenly as you can, there is no point in having a small amount in a program and most in one. Place slightly more in programs where you feel more comfortable in, and slightly less in those you’re not completely sure about.

Get back your principal

This is optional, you may get part of you initial amount back as soon as possible or at a certain time, a lot of programs have time lock periods where your initial is locked. I usually let my entire amount compound during the lock period if I trust the program, and withdraw when it is unlocked; this period is about 6-12months usually. I occasionally take out lump sums to add to my reserves without damaging my interest too much. Compounding is EXTREMELY powerful and can turn your money into much larger amounts, strategies can be developed to deal with this, for example, 3 months allow to compound, withdrawal 3 months interest and then allow to compound 3 months, etc.., or withdrawal every other month. You should adjust this to your targets, but don’t get greedy! You will end up learning a valuable lesson when you loose!

Research, Research and more Research

Well it depends how much you are investing, therefore determining how much time you spend tracking them down etc. some things like managed accounts confirm that they cannot scam you, but they can also be amateur traders etc.. I advice you do a domain Whois, call them, pull up records, police and finance. Check if they supply correct info. Check trading history, qualifications, age, sex, profile, and experience, are they telling the truth! Don’t just check them out, check out their family, usually when you can’t find their family, they don’t exist by that name. Track their friends address, get pictures etc. For example I would do all of this if I was to invest a huge amount into GI for example. Keep all sensitive info to yourself, if worst comes to worst you may be able to recover your money, or bring them to justice if they were fraudulent.

Be Very Skeptical

Usually if it’s too good to be true it is, do some research! Any program that pays more than 15% monthly should be dealt with very carefully. Remember there are lots and lots of scammers out there so you need to be very skeptical of any program younger then 6-12 months. Never join any unoriginal scripts and ones who have Ref commissions. Ideally a good program would. pay 5-10% monthly, be private, (invite only), have unique script, not have any referral commission, and not advertise itself heavily, it would also provide proof of trading and names/addresses of principals and be a registered company, (this by itself is meaningless). Contact telephone should work also.

Watch Out for Red Flags

There are many things to look out for, for example, a ponzi wants more and more members, if it seems to make offers and bonuses and referral competitions, then it is surely a ponzi, and a scam. If you believe traders are not trading good, i.e. increasing risk to get them out of a negative result, or not supplying truthful information. Any research that proves any bit of evidence to suggest it is not legal as you thought or links to other organizations known to scam.

Avoid Greed

The worst of all deceptions is self-deception, as Sun Tzu put it best, “The wise general cannot be manipulated”. To avoid being deceived, we need to be continually improving our individual and corporate strengths and weaknesses. The issues to be addressed in this regard include; our emotions — ego, hope, fear, and, greed. I have seen many people defeat themselves, by the weakness in their own mind and I can see their flaws. I cannot tell you how to fix this; I can only tell you that you must. “If you know the enemy and know yourself, you need not fear the result of a hundred battles. If you know yourself but not the enemy, for every victory gained you will also suffer a defeat. If you know neither the enemy nor yourself, you will succumb in every battle.” You may know the program, but do you know yourself, you lie and trick yourself into believing their lies, you yourself will come up for a perfect explanation to how they make their money if you want to. If you master yourself you will be able to defend from this.

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What is the Good and Bad HYIP


From what you are probably aware of; there are a lot of HYIP opportunities that can be considered good and bad. What you are probably wondering or not aware of, are ways to evaluate them before you go out and lose a lot of money on them. Everyone is probably aware that any type of high yield investing poses risks, and these risks are always there.

Any type of HYIP will contain characteristics that will slant them in one direction or another. It is by evaluating those characteristics that are able to sort them out. Keep in mind that the HYIP proponents are keen to confuse and issue, and deflect attention, but you can dig through most of that if you know what you’re looking for. Below, you find some examples that you will assist you in your decisions and research.

Games of Chance vs. Investments

There are hundreds of games sites on the internet, many of which cost money to enjoy. While there is certainly nothing wrong with that, they obviously have no place in our consideration of hi yield type investments. They should be identified, and thrown out whenever they seep in.

Recyclers’ vs. Generators

A lot of HYIP out there like to invest in the same thing. While this may be ok, there are a lot of traps; especially if this is hidden, or denied, and the expected results are overstated.

Short Term vs. Long Term

All HYIP’s that offer excessively fast returns are almost always doomed. Because of this, you should beware of the excessively fast money merchants.

Real vs. Virtual Money

A lot of the HYIP’s pay your returns into their own accounts, and tell you that the money is there, often with restrictions on how you can get access to it. This method is very widespread, and is usually ok, but still needs to be tested before you invest a lot of money into it.

Fixed Interest vs. Variable Return

As you probably know already, fixed interest looks nice. Although it’s usually not consistent with actual earning rates, it still raises a conflict and sometimes complete failure. A lot of the best HYIP’s deal with the problem simply by offering low quotations of minimum return, although its better to be dealing with someone who meets those standards, than someone who repeatedly defaults on more optimistic targets.

With any type of HYIP, you should always consider them to be bad until you have proof that states otherwise. Don’t get the wrong idea; there are a lot of these out there that can be very beneficial. Before you invest your money, you should make sure you know what a good and bad HYIP really is.

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Effective Way to Success and Win HYIP Investment


Knowing the budget of the HYIP admin is very important to win at HYIP arena. This is an effective way to success and win at HYIP investment. A HYIP with a lot of budget tend to last longer….

Here are strategies used to determine HYIP admin’s budget/success in HYIP by Gold_Hunter

Website Script and Design

Not standard script, template and design is important to know their seriousness in the HYIP world and intention to last for awhile. Script and design with more feature and superiority like Swisscash, Fast Market, IT4Us, PIPS, and privateopps (gone and scam) tend to last very long. Of course those sites created with a lot of budget.

Hosting Service

Is that HYIP hosted at shared or dedicated server of hosting ? Sure dedicated server costly than shared hosting, especially if SSL Certificate and DDOS protection included at their hosting plan.

Security

SSL and DDOS protection. The price of SSL certificate is about: $189/year – $1,499/year

The price of DDOS protection starting about $400/month and $200 for setup.

Certificate

Although real company or fake company can buy certificate and register their company name as incorporate or certificated company, we can know their budget from that.

Advertising

Is the HYIP admin buying advertising text or banners? How long a HYIP admin has bought the banner space for? If a HYIP admin is not advertise their program, he is either low on budget or more advertising = higher budget.

Listing on HYIP monitoring sites

HYIPs should be listed in as many monitoring sites as possible. Of course they should be there at the big, popular and costly monitoring sites. And not at some of free listing/cheap listing monitoring sites. But be careful…many HYIP monitoring site’s admin like to be part of the cheerleaders to scamming newbie investors.

So, do you want success at HYIP Investment? Well, I think it is wise to invest at the first week of costly HYIP created with a lot of budget. HYIP experts and veteran investors will do the same I guess.

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Starting an Investment in HYIP Forex


When you begin starting an investment, you may find yourself wondering where you should begin. You may have heard friends or co workers talking about their investments, and decided you should give it a try. You may have also found yourself wondering where they got the money to start or how they knew what to invest in. Then again, there are a lot of people who don’t know where to begin, so they never start at all.

The wide array of investment related choices, the vast amount of information about investing, and the risk alone is intimidating and may prevent you from taking those first steps towards starting an investment. Keep in mind that is doesn’t have to be that way. Believe it or not, you only need to know a few basics in order to begin your career in the world of investing.

The first question most people have is where you get the money to invest. If you look around, you will find plenty of stock mutual funds that allow you to invest with 500 dollars or less. You could use your next bonus at work, your income tax refund, or simply put in some overtime for some extra cash. If you are unable to come up with 500 dollars to start your portfolio, many funds will allow you to skip the initial lump sum investment if you sign up for monthly withdrawals from your checking account.

When starting an investment, you are ready for some long term investments. The step in choosing knows what your goals are. The investment type you choose will depend on the amount of time available before you need the money. Most all stocks are considered long term investments, and therefore it’s best to plan on holding stocks or stock mutual funds for five years or longer.

The next thing you will need to know when starting an investment is your risk tolerance. If you’re the type of person that hides your money under your mattress because you don’t trust the bank, you’re probably not going to feel very comfortable investing in volatile technology stocks.

Now, you may be wondering how to choose an investment. Most investors and experts will recommend spreading your money over several different types of investments in order to reduce the risk, because one type of investment typically does well when another one doesn’t. By having money in more than one type of fund, you’re more likely to get a decent combined return in one category takes a downturn.

When you are ready to begin starting an investment, you should use caution and research everything that is available to you. The above will assist you in getting started; the rest is up to you.

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Strategies to Maximize your earning with HYIP


Any investor wishes to make money in HYIP. Finding a successful high yield investment program is not enough to maximize your high yield investments. Certainly it is not easy to maximize your return on investment from best HYIP. The main point of this article is the strategies how to find “fruitful” and prosperous HYIP and to maximize your interests from this HYIP.

Before we start to discuss the strategies, we should find an answer to the question what is best HYIP. Well, it is difficult to answer because there are various possibilities. For some investors the “fruitful” HYIP is HYIP with huge daily interest, for other HYIPers the “fruitful” HYIP is HYIP with instantly withdraw. Undoubtedly, all these investors are right.

I guess than each investor wishes the “fruitful” HYIP which is online for a long time, not just several weeks or a few months. Moreover, each investor wishes that “fruitful” HYIPs must have fast support. Some HYIPs reply to your questions within 1-2 days and, of course, it is too long! I am a potential investor and I need to get an answer immediately!

Certainly, you can find many answers in FAQ section of a great number of HYIP web sites but sometimes you need information which you can not find there. If HYIP has phone support so it is very good, you can always phone them and get answers to your questions.

According to many experienced online investors, one of the most important things for the “fruitful” HYIP is fast withdraws. No one wants to wait 1 or 2 days till they receive payment. Certainly, everyone wants to get money within few hours. “Fruitful” HYIPs have to pay fast.

All investors agree with me that HYIP security is significant in online investments. Of course, the “fruitful” and prosperous HYIP must have the server protection to guarantee that users’ accounts are safe and secure. Real “fruitful” HYIPs spend a lot of money for hosting and advertising as well as Ddos protection and security.

If HYIP has Prolexic DDOS protection it is a really good sign of seriousness of this high yield investment program because according to online security data, Prolexic DDOS protection costs more than $2000 per month.

Daily interests are the subject of many hot discussions on online HYIP forums because investors have very different opinions. Some people prefer 10-20% daily and other like 1-2% daily. Undoubtedly, the prosperous HYIP invests money into FOREX trading and to other contemporary industries. So if HYIP earn money in FOREX they can not offer 10-20%. It is impossible and each investor knows that. Talking about “fruitful” and prosperous HYIPs, the examples can be like Europe Trade Ltd.

Now the time is to discuss ways how to maximize your HYIP. After having found the “fruitful” and prosperous HYIP, the key to having successful investments is to build a safe, diversified portfolio and to extract your own money as quickly as possible. This will limit risk to your capital because if one program closes, you will still have the others to fall back on.

Before investing in any program, you should do a little research on it. I mean you should remember the main features of prosperous HYIP, namely daily interests of no more than 2-3%, excellent support, high qualified web site design of the HYIP Company and best users’ account protection.

Besides, HYIP scripts are easily to get a hold of and this makes it easier for fraudsters and scammers to operate. One of the things to look for is the program’s reputation if they are paying consistently.

When the investor makes any online investment, his aim is to extract his money as quickly as possible. This is because the investor wants to be able to invest using the profit he made from the high yield investment program to protect his own capital. For example, a typical investment could be $100 then, after 30 days, the investor would extract his own money and re-invest the profits so that he is making risk that he uses “other people’s money”.

Another meaningful thing is that the investor will need to make use of referral systems to explode his profits from his investments. This is when the investor recommends someone to the program and receives commission for it. This usually creates residual income for the investor which means him the opportunity to invest more of “other people’s money” to make even more cash.

However, each has to think about moral side of HYIP investment and does not promote high yield investment programs to others which do not look trustworthy. This is immoral and should not be encouraged. If you do not think so, please read my article “The Morals of HYIP Investments” and probably you will understand that it is possible to earn money with good consciousness.

I hope my article will help you find “fruitful” and prosperous HYIP and maximize your high yield investments. Best of luck in HYIP!

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Opportunites of Success in HYIP


Yes, HYIP promises very high return on investment but also very high risk. What must we do? Invest or not invest? You may not believe me but it is possible to get the yields. But how?

HYIP have gained a notoriety that some other elements can only envy. This reputation has dissuaded serious investors from even regarding them and encouraged the shadier elements of the financial district to set up shop using such. Actually, it is quite a pity since HYIP, when legit, can actually be a very valuable tool in generating personal wealth. If you are smart and discerning you will find wonderful opportunities to increase your investment by a sizeable margin.

Certainly, you may not think that all HYIP is just great scam. Though the risk is high, there are actually programs that have been used for years and have been able to give success to investors. In other words, you can look around and find legitimate high yield projects that are not only legitimate but wonderfully productive as well. Any HYIP investor knows the following rules by heart:

When looking for a HYIP that will lead you to success in your quest for personal wealth, look always towards the programs that emphasize transparency. You will want to know how the program develops and what you can expect in return. You will also want a tangible contact. A tangible contact means you can actually talk to the person on the phone or through email.

If a HYIP is promising too much, let’s say an 80% return on investment, you have to be wary. Although HYIPs generally give a higher than normal return rate, ROIs that make your eyes pop out are signs to look out for in a bogus enterprise. If they can promise really good rates, then make sure they explain how they can get to that amount. If that is not the case, run for it; the enterprise is probably bogus.

If you are trying an HYIP, then make sure you start small. This way you get to test the waters for stability, legitimacy and other factors as well. If you can check with Better Business Bureaus then that would be an added security on your part and is always good practice when investing in anything.

These rules above tell about the first steps to get high returns on investment successfully. Another very important and wonderful concept to get success from any high yield program is a Test Spend. But what is a Test Spend? Test spend can be explained as a small principal deposit made in a new HYIP to ascertain its viability.

What is its importance? Test spend is a very useful method to determine whether any HYIP is good or not. Whenever you come across any new HYIP then the first deposit should be a test deposit to see how the HYIP is working and deduce a conclusion about it. Since a HYIP is new, you probably do not know whether it is a paying or a scam programme.

So making a test spend can tell you the reality of the HYIP. If the HYIP is genuine then you will most probably get all the promised interests and customer service with the test spends. If all goes right then you can move further to making your real investment and reap the products. This step of making test spend assures that the program is paying at the current time.

And if the HYIP is a scam then you will not get your returns. So do not make any further investments. Thus you are also prevented from being scammed of a larger amount (the larger amount you had initially planned to invest in this particular HYIP).

What to expect from a test spend? Basically if the HYIP is genuine then you must expect 100% customer support, total interest returns, and any other facilities that the particular HYIP may promise to its investors.

If the HYIP payment system is automatic you must get your returns without requesting for it. If the payment is manual, then once or also more times request for your interest and see if the payment is actually being made. Many times the payment is not made at all (in both automatic and manual methods).

It is best to avoid further investing in it. In some cases the HYIP may declare that it is not able to make payments due to some genuine problems and would soon resume payments. Most of the cases such HYIPs make false claims about not being able to make payments due to some reason but still continue receiving investments and then scam away! So you must not invest more till you are fully sure that the HYIP has started paying regularly.

Where can we use a test spend? It is usually advised that you make test spends only on HYIPs in which you intend to make large investments (say more than 100$). The test spend should be always minimum. Thus invest only that much amount which can be accepted according to the particular HYIP policies on minimum investment.

In the conclusion, it cannot be said that all HYIPs are not legit. It is only saying that there are many that define the name of HYIP. However, if you do look with discernment and perseverance, you are bound to find a jewel in the rough that will lead you all the way to wealth and success.

Thank you for visiting.

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HYIP – Scams, Risks And Extraordinary Profits!


One of the best ways to double your money is by using high yield investment. These investments always come with a risk, but the potential to rake in a lot of profit is there as well. High yield type investments have always been a well known and widely used method of investing, even though such a high risk is always involved. If you are familiar with this method, then you pretty much know what to expect.

There are many ways you can successfully use high yield investment. With all the possible investments around the world, the possibilities are endless. While many pose serious risks with little signs of income; others have high risks with a lot of signs for income. These companies with high revenue are the ones that you should go after when choosing your investment for hi yield.

Scams are another thing that you have to watch out for. Anytime a lot of money could be a possibility, there is always going to be scams as well. These scams are run by fraudsters that are trying to take your money, by getting you to invest in something that doesn’t really exist. These scams should be avoided at all cost; under no circumstances do you want to get involved with these fraudsters.

Choosing the proper investment is entirely up to you. Any type of high yield investment should be approached using caution. If you do the proper research and obtain the proper information, you will have a much better understanding. The more you understand your investment, the better the chance you have for hi yields.

Take for instance the diamond market. Diamonds are a really good high yield investment, simply because of the value. The value of a diamond has always been high, and research has shown that value to increase over time. If you are thinking of investing in the diamond market, you would still want to research everything and see where the different company’s are standing.

As long as you approach with caution and understand that you may lose what you invest, you will probably be fine. If you approach a high yield investment thinking that you are going to triple your money with no losses, you will probably walk away with a bad experience. Understanding and realizing is part of the game, it will help you to be the best investor that you can be. As you know, the investing market can be very cruel; but it can also be very rewarding.

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HYIP: Playing It Right


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.

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