Read these rules and make sure you understood, then apply.
GBU
10 HYIP Rules
Every good hyip investor will know these rules already, for the ones that dont, you should note them down. For a pro “hyip” investor, hyips are a valuable part of an investment portfolio, they allow for a high return to give a boot to the entire portfolio, the size of the HYIP margin varies, from 5% to 30% of their entire investment portfolio, (this does not include savings accounts).
1. Plan Long-Term: Never ever dream or plan to get rich within a very short period of time, get rich quick schemes just dont work. The good HYIP investment programs will pay consistently and reliabily, i will not give any examples, because that is your job to find them out. i recommend being in programs for atleast 6 months- 1 year, that way you can make consistent profits, if you try short term hyips, you will be stressed out and possibily loose all your funds.
2. 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 greator 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.
3. Don’t Quit!: Winners dont 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 cant. However if you quit then you will never know what would have happened and you may regret that choice.
4. 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 majour losses, you will still have the other 4, however if you just invested in one, then youve 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 your not completely sure about.
5. 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, withdrawl 3 months interest and then allow to compound 3 months, etc.. or withdrawl every other month. you should ajust this to your targets, but dont get greedy! you will end up learning a valuable lesson when you loose!
6. Protect your accounts: There are many hackers out there and it is increasingly dangerous just surfind some shifty sites are using some software, you should have anti-virus scanners and firewalls, and check regularly. Passwords and usernames should be hard to guess, and all different. For me, i use a 512mb USB drive where i store all my passwords, and accounts for everything. however if anyone found this they will not get anywhere. because the entire drive is encrypted with 2 X 256bit algorithm, Twofish and AES, as far as i know this cannot be broken. i keep backups in the safe incase i loose it or break it.
7. 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 amatueur 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! Dont just check them out, check out their family, usually when you cant find their family, they dont exist by that name. track their friends address, get pictures etc. for example i would do all of this if i was to invest $250,000 into ITS 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 fradulent.
8. Be Very Skeptical: Usually if its 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 commisions. Ideally a good program would. pay 5-10% monthly, be private, (invite only), have unique script, not have any referal commision, 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.
9. 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 refferal competitions, then it is surely a ponzi, and a scam. if you believe traders are not trading good, ie increasing risk to get themselves 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 organisations known to scam.
10. 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 explination to how they make their money if you want to. if you master yourself you will be able to defend from this.
Investing in HYIP? Why not!
E-gold Account Blocked? How to resolve a block on an Egold account
http://www.talkgold.com/money_blog/?p=16
Well, I guess it had to happen sooner or later. After E-gold being indicted by the US Goverment a few months ago, it seems as though they are changing their ways. No longer will they be an anonymous e-currency like they had been for the prior 11 years up to this point. Over the last 1-2 days there have been a huge number of egold accounts being blocked. We believe they may be blocking accounts that they feel are involved in money laundering or illegal activity. They may also be blocking accounts that they feel have the wrong personal contact information associated with them. Here is a copy of an email E-gold will send you with the reason of the block:
Your account has been blocked under our Rights of Association clause in the
account user agreement.
Quoting from the e-gold Account User Agreement:
http://www.e-gold.com/unsecure/terms.htm
— begin quote
4.6. Right of Association
Issuer reserves the right to refuse service to particular individuals or
entities, at its sole discretion, with or without cause.
— end quote
There are people who have done nothing wrong, and now have thousands of dollars in e-currency locked in their accounts. Luckily E-gold promises to resolve the issue and unblock accounts as long as you send them information to verify your contact details in your account. Here is the email you will most likely get if you contact support about an account being blocked:
In order for us to assist you with the block we will need due
diligence
documents. Please mail (or preferably, use a courier service such as
Fed Ex
or DHL) original notarized copies of all of the following information:
a) A signed and notarized affidavit listing: Name, address, and
telephone
number for the owner of e-gold account 4470514
b) Copy of a telephone or utility bill that has the same address stated
in
item A.
c) Notarized copy of Passport or Driver’s license for the account
owner.
Addressed to:
G&SR
175 East Nasa Blvd.
Suite 300
Melbourne, FL 32901
Attn: Due Diligence Unit
Please include a copy of all email correspondence on this matter with
your
due diligence documents.
Thank You,
e-gold Service
What we recommend doing if you didn’t already check your account details to correct any errors in your personal information they have on file, do so immediately. We will update everyone as the situation unfolds. There is a thread at the Talkgold forum all about these recent bloackages. Check it out at: Talkgold E-gold Updates.
(Thanks to vit4ek, from talkgold for the emails)
6 steps to win on High Yield Investment Programs (HYIP)
What is HYIP?
HYIP stands for High Yield Investment Program. As the name implies it is high Return of investment. But wait! this type of investments does not last for long...
I entered HYIP world on year 2002 and that year there are hundreds of programs available. Like most of HYIP investors, High ROI attracted me to this business. On my first year I invested nearly $1,200 on three programs and guess what I lost it all, Yes I have been SCAM!
But instead of backing down, I stand-up and play with them. Here are some tips that can help you avoid SCAMs.
1. Be ready to lose. Only invest money you are willing to lose. Remember investing of this type of programs is almost same as gambling.
2. Do not invest on programs that are not listed on premier HYIP review and ratings sites. This owner of these review site are also investors and they dont want lose money either.
Create a short list of programs you have chosen from these sites (I prefer top 10 programs).
3. After you have shortlisted the HYIP programs, choose at most three (3) programs from shortlisted that already working and paying for at least 3 months but lesser than 2 years (acceptable life span of HYIP is up to 2 years).
4. Diversify your money to your final selected programs. You can do the following:
Example:
Total Investment - 300$
Program,Investment,Compounded (%)
A,100,50%
B,100,30%
C,300,0%
Do not compound all you investment because it's to risky. I recommend that one of your program should be 0% compunded and
deposited directly to your e-gold account
5. Monitor. Monitor. Monitor --- Visit the review sites if possible everyday to check the statuses of your HYIP. If one of your HYIP website had been down for 3- 5 time in one month start pulling out your principal from this program.
6. Last Step, Study and Learn. Read investment articles that can help you increase your understanding on internet investments. Here is a great resource:
Get Paid Programs Review & Ratings - Your One stop making money directory
By following this 6 steps you can win and beat HYIP scams! Happy Investing!
About the Author
- 3 Years investing on HYIP program and Offshore investments.
- A website owner.
Get Paid Programs Review - Your One stop making money directory
Find your home in the philippines online
Thanks for Visiting!
Apakah bisnis HYIP semua scammer dan penipu?
Saya tidak merekomendasikan kepada semua orang untuk berinvestasi High Yield Investment Program (Investasi Bunga Tinggi) karena ada banyak sekali penipu di luar sana yang tidak memiliki perasaan dan akan merampok semua uang anda bila anda tidak hati-hati.
Ada banyak sekali contohnya bukan hanya situs luar negeri tetapi perusahaan lokalpun banyak sekali yang terang2an memiliki kantor tetapi ujung2nya menipu juga. Jadi, mari kita berpikir logis.
Penipuan bukan hanya terjadi di internet bahkan banyak yang terjadi di dunia nyata di sekitar anda dan saya. Dimanapun ada resiko, anda taruh uang anda di bank, ada resiko, anda taruh uang anda di bawah bantal juga beresiko, selain dia tidak berkembang malahan bisa habis anda ambil sedikit demi sedikit tiap hari.
Ada banyak sekali di forum-forum internet tentang investor yang sakit hati atau bangkrut karena ikutan HYIP secara membabi buta dan terbuai dengan kata-kata manis bukannya dengan pikiran logis bahkan TERMASUK SAYA! dan juga ANDA mungkin?
Seiring waktu saya mulai bisa belajar mengendalikan emosi dan keserakahan saya, meskipun dulu saya seringkali menghabiskan seluruh uang yg saya miliki dalam 1 program HYIP dan membuat saya bangkrut hanya beberapa hari setelahnya. Dan yang lebih buruk lagi, saya berani meminjam uang sama teman untuk berinvest di HYIP. Untunglah uang tersebut tidak terlalu banyak sehingga bisa saya kembalikan.
Dan saat ini, dari bisnis HYIP pula saya mendapat penghasilan lebih banyak dari kekalahan saya. Andaikata saya kapok dan tidak mau belajar saya mungkin akan bekerja dari jam 7.30 - jam 5.00 sore dan tidak bisa bersama anak dan istri saya di rumah. Dan pertama yang paling berhak menerima ucapan terima kasih saya adalah Tuhan Yang Maha Kuasa karena tanpa restu Beliau saya bukanlah apa-apa dan bisnis terbesar di dunia inipun tidak ada apa-apanya di bawah kuasa Beliau.
Saya memang risk taker, tetapi risk taker yang tidak berpengalaman, buta, serakah, dan berpikir tanpa logika itu dulu dan sekarangpun kadang-kadang masih dan semoga anda juga bisa berbagi pengalaman kepada saya. Sebelumnya, saya memiliki pengalaman sendiri dan ingin saya bagikan kepada anda melalui blog sederhana ini, dan semoga bermanfaat.
Saya memiliki beberapa saran untuk anda yang baru di bisnis HYIP :
- Pelajari dulu HYIP yang ingin anda ikuti.
- Carilah di forum-forum internet bagaimana tanggapan member tentang HYIP tersebut.
- Pendapat paling jujur biasanya terdapat di forum-forum internet meskipun ada juga yang bohongan karena faktor persaingan usaha antara HYIP.
- Lihatlah regitrar domain HYIP yang akan anda ikuti, mungkin ini sedikit bisa membantu anda.
- Jangan hanya mengandalkan HYIP monitor (situs yg memonitor HYIP) karena kebanyakan HYIP yang SCAM hanya membayar mereka tetapi tidak membayar membernya (lihat ke point 2 dan 3 di atas).
- Jangan berinvestasi melebihi kekuatan modal anda. Maksud saya, jangan berinvestasi menggunakan uang SPP anak anda, atau uang dapur istri anda. Ya kalau untung, kalau kalah dan uang anda dibawa kabur...???
- Berinvestasilah seberapa besar anda berani kalah (atau anggaplah uang hilang).
- Berinvestasilah dengan modal terkecil dulu kemudian tingkatkan seiring kepercayaan anda akan progran tersebut
- Lihat juga bunga investasinya kalau melebihi 3-4% sehari, maka dapat dipastikan sang pemilik HYIP membayar membernya dengan uang member baru.
- Jangan menggunakan password yang sama dengan password e-currency anda (misal password e-gold anda) pada setiap HYIP yang anda ikuti.
- Dan ingat, resiko dan keputusan ada pada anda sendiri bukan saya atau orang lain.
- Strategi diversifikasi sebaiknya anda terapkan. Jangan menaruh semua uang anda hanya pada satu HYIP, usahakan memilah-milah ke dalam 3-4 program HYIP untuk menghindari kerugian besar.
Sejujurnya di internet ada perusahaan HYIP yang memang jujur dan memang betul-betul mendapat profit dari trading saham maupun valas (valuta asing atau forex) atau jenis usaha lain dan membayar investornya dari hasil usaha mereka.
Bukan tidak mungkin pula perusahaan HYIP ternama sekalipun bisa tutup dan bangkrut apabila manajemennya tidak bagus (lihat saja HYIP indonesia yg kebanyakan manajemennya bobrok - meskipun ada yg manajemennya sangat bagus pula -) dan menghilangkan semua uang investor mereka untuk membeli mobil mewah, rumah bagus, liburan, dll.
Dan tidak bisa dipungkiri pula bahwa memang banyak senior-senior HYIP yang menghasilkan berlipat-lipat kali dari modal mereka karena mereka memainkan HYIP dengan baik dan benar.
Dan berhubung tangan saya sudah pegel-pegel mengetik, maka hal-hal yang belum saya sampaikan disini akan saya sampaikan kapanpun saya sempat nge-blog dan saat mood lagi bagus.
Visit sering-sering kesini yah.
---- dikutip dari http://bisnisdaninvestasi.blogspot.com
Way to download YouTube.
Here is way how to download youtube file.
1. go to www.youtube.com
2. search what you want to search
3. after you found what you want, copy it http://www.youtube.com/watch?v=WU0bVFWSG-E
4. and paste it here http://keepvid.com/ and click on download
5. look at ›› Download Link ‹‹ (.flv - Flash Video) , and right click on the ›› Download Link ‹‹ and name your .flv file
Good luck.
If you have any questions, don't hesitated to contact me or 'googling' it. :-)
GBU
MBA Tips
Hi, my name is Brenda and I am a second year student at Harvard Business School. I have put this page together to help applicants navigate the often tangled and confusing world of MBA admissions, business school selection, and GMAT preparation.
If you have any questions or comments, you can email me by clicking here. I am very busy, but I will try to get back to you if I can. Thanks for visiting my page. Please bookmark it and visit again!
10 Research post MBA career opportunities and business schools.
First make sure you know why you want to go to school and have a clear idea of what you may want to do when you graduate. Often times, as in college, your career goals will change. However, you are about to make a big investment of your time and money, so make sure you give your decision the proper amount of thought and research.
9 Identify business schools of interest.
Develop criteria such as geography, recruitment, school reputation, tuition, faculty, student body, etc. In this first step you want to start with the largest number of schools and then apply your criteria and narrow down your choices. Although the schools you are currently considering will end up in the narrowed down list, you may be surprised to uncover some other schools as well. Keep in mind that you don't want to undersell yourself and automatically exclude the top schools. If you're even close to borderline for admission, there are things you can do to increase your chances. (Read on.) Establish criteria such as courses offered, companies that recruit at the school, opportunities for internships, study abroad, etc.
8 Prepare for the GMAT and TOEFL if applicable.
Don't take this test unprepared. Also, this may sound strange, but I do NOT recommend a GMAT review course. I took one and disliked it. The course moved at the pace of the group's slowest student and I had to drive to a classroom when I could have spent the commuting time studying instead. I recommend buying a good book or two and studying at your own pace and at your own optimal hours.
Based on numerous emails I have received, it seems many of you are international applicants to whom English is not your native language. I wish I could tell you something more but you should study for the TOEFL (test of English as a foreign language)
7 Know why you are going to business school.
Be prepared to explain why you are leaving your job or why you want to pursue an MBA right out of undergrad. You can be sure you will be asked this question at least once in an essay or during the admissions interview. If you are employed and your employer does not know you are considering an MBA, make arrangements to get a reference from a trusted colleague.
6 Make sure your application and essays are immaculate.
Often times, the admissions staff reading your application and essays will never meet you in person. Do not squander this "first impression" by allowing any stains (applicable only to applications submitted via snail mail), misaligned page margins, or inconsistent fonts. These types of things can make the difference between being admitted and being rejected, so I would encourage you to take this to heart.
5 Have someone proof your admissions essays.
I can not overstate the importance of having a third party review your application essays. Make sure the proofreader has good grammar and is committed to spending quality time with your essays. Do NOT try to proof your own essays all by yourself. You may catch a lot of your own errors, but chances are some silly ones will get by you. Why? Because when you wrote the particularly awkward sentence, you know what you meant to say. Unfortunately for you, the admissions staff is not likely to be as impressed by the unclear and awkward sentence.
4 Don't be afraid to use an admissions consultant.
You're about to make a major life decision and tens of thousands of tuition dollars and years of your life are at stake, not to mention future career paths. You can find a good consultant who will cost you less than you'll spend on application fees and GMAT test taking. A good consultant should help you identify your best personal strategy to gain admission and steer you towards the business schools for which you're best suited. They are also perfect for proofing essays (see #5 above) and they can really help ease your stress during this taxing time period.
3 Take the optional interviews and prepare for them.
Don't be lazy and opt out of these interviews. View them as additional opportunities to present yourself in a good light, and hence, increase your chances of being accepted. But don't forget that these interviews are also opportunities for you to learn more about the prospective schools. Although the top schools will allow you to interview at remote locations with a volunteer alumnus, I advise interviewing on campus since the alumni are not usually as current with the MBA programs.
2 Visit the campuses of any business schools you think you would like to attend.
To continue with my last thought, the interview often presents a great opportunity for you to visit the campus and speak to the admissions staff and current students. You should call the school in advance and tell them when you are planning to visit. Most schools will gladly arrange for you to sit in on a class and receive a guided tour of the campus. Finally, do not be afraid to approach students and solicit their views of the school. Most of the time, students are glad to talk to prospective applicants (remember, most of them were in your position just a short while ago) and MBA students in particular are often quite willing to offer blunt opinions about what they like and don't like about their programs.
1 Be absolutely certain with your decision to get your MBA and your business school of choice.
I'm really not trying to scare you and I don't really mean to end this on a somber note. In fact, most MBAs, including the vast majority of my classmates, are quite happy with the decisions they have made. Nevertheless, there is a significant minority of talented, well-adjusted people who end up unhappy. The reasons are as varied as the people themselves and include separation from family and friends, undue pressure to attend business school from relatives and coworkers, and career choices that do not require the MBA degree. For this minority, a lot of time and money is wasted as a result of their bad decisions.
Fees for e-gold transactions
There are two fees in E-Gold:
1. Agio Fee: Every year E-Gold will deduct 1% from your current account credit. It is annual fee.
2. Daily transaction fee: Only the recipient will be charged for the transaction. And the fees are various depend to how much you receive. I will give a simply example to explain how it charge you.
The current price of E-Gold is $16.68 per gram.
a.)if you receive less than $1.668 you will be charged 5% of the amount you receive plus $0.003. For example if you received $1, you have to pay 5% from $1 which is $0.05 and another $0.003.
So to receive $1 you will be deducted $0.053.
b.)if you receive more than $1.668 and less than $8.34, you will be charged 1.25% from the amount you receive plus $0.06. For example you received $5, you have to pay 1.25% from $5 which is $0.06 and another $0.06.
So to receive $5 you will have to pay $0.12
c.)if you receive between $8.34 and $16.68, you will be charged $0.168.
So no matter you receive $9 or $15, you still will be charged at constant fee of $0.168.
d.)if you receive between $16.68 and $83.4 , you will be charged 1% from the received amount.
So to receive a $50 E-Gold you have to pay $0.5.
e.)if you receive more than $83.4 you will be charged at constant fee of $0.834.
So to receive $100 or $1000 you will need to pay only $0.834.
So the conclusion is: It is better to receive a bigger amount of E-Gold because the fee is only $0.834.
I hope you understand what i have explained here.
Panduan Investasi Online
HANYA SEBAGIAN KECIL, BUKAN SEMUA UANG YG KITA PUNYAI !!!
Mengapa tidak semua uang kita saja kita masukkan dalam investasi..??
Inilah jawabannya:
SEMUA jenis investasi pasti memiliki tingkat resiko, entah itu rendah ataupun tinggi
bukannya uang kita semua dijamin oleh bank yang bersangkutan??”
...
3 hukum investasi online yaitu:
2. Jangan terlalu serakah/tergiur terhadap keuntungan yg ditawarkan oleh perusahaan investasi manapun. Lihat, Pelajari, & Telusuri semua informasi tentang produk investasi serta perusahaan investasi yg menawarkannya pada anda.
3. Anda harus siap kehilangan sebagian atupun seluruh uang yg anda investasikan di
e-currency itu bisa berupa:
e-gold, e-bullion, liberty reserve, webMoney, pecunix, dll. Untuk informasi lebih lanjut tentang e-currency, nilai tukar kurs dapat anda lihat di:
SENTRAEGOLD
(untuk informasi lebih lanjut silahkan klik link website yang ada di sebelah kanan anda )
( sentraegold adalah situs e-currency exchange yg reliable/dapat dipercaya di Indonesia )
Investasi Online pada dasarnya terbagi menjadi 2 bagian besar yaitu: Investasi Aktif dan Investasi Pasif. Investasi aktif menuntut anda terlibat langsung di dalamnya
4-D (Duduk-Diam-Dapat-Duit)
atau
dalam bahasa Inggris disingkat:
HYIP ( High Yield Invesment Program ).
Hal inilah yang ingin saya bicarakan dan saya bagikan kepada anda sekalian.
"Untuk mencari produk investasi yang menghasilkan keuntungan yg berlipat-lipat itu sangatlah mudah, tetapi menemukan perusahaan investasi yg menjamin kelangsungan investasi kita di masa yg akan datang… itulah yang sangat sulit…"
Berikut ini adalah poin-poin yg harus anda perhatikan sebelum menaruh uang anda pada perusahaan Investasi Online:
1. Jangan sampai anda terkecoh dengan website yg menawarkan keuntungan 100% sampai dengan 300% dalam kurun waktu kurang dari 60 hari (biasanya perusahaan yg menawarkan keuntungan lebih dari 100%/hari hanya bertahan ± 15 hari saja, bahkan kurang dan tidak membayar/ scammer)
2. Periksa status perusahaan investasi (masih membayar/paying atau penipu/scam) anda bisa memeriksanya melalui HYIP Monitoring Service Website misal:
http://www.goldpoll.com
(website monitoring HYIP paling reliable yg pernah saya temui)
atau di
http://www.hyip.com
dan masih banyak lagi.
3. Periksa rate voting kepuasan investor dari forum/rate yg membicarakan perusahaan tersebut melalui HYIP Monitoring Service Website, jika semakin banyak pelanggan/user yang puas, maka semakin
dapat dipastikan perusahaan investasi itu bekerja dengan baik.
(hati-hati dengan penipu/scammers yg memberikan pengakuan puas/sangat puas thd perusahaan investasi tersebut karena tidak semua voting tersebut asli, anda harus jeli melihatnya)
4. Lihat umur dari website perusahaan investasi yg bersangkutan dan sudah berapa lama dimonitor oleh HYIP monitoring service. Semakin lama umur website tersebut, maka semakin dapat dipercaya untuk kelangsungan investasi kita.
5. Periksa keamanan/security website tersebut terhadap pencuri password/password theft
(biasanya perusahaan investasi yg reliable/dapat dipercaya memakai sistem pengamanan berganda seperti:
SSL secured 128 bit (yg paling penting), privacy report, atau authorization code/turing number, dll.)
Memang hampir 70% bahkan lebih dari perusahaan investasi online ( HYIP ) merupakan scammer/ penipu, tapi jika kita pandai dan jeli memilih 30% perusahaan mana yang baik dan reliable, maka alhasil..
....................................................................................................................................................
Di bagian bawah website ini saya tampilkan beberapa perusahaan investasi online ( HYIP ) yang performanya sangat baik dan statusnya membayar/paying kepada para investornya
Situs-situs tersebut hanya merupakan SARAN dari saya (penulis) berdasarkan pengalaman investasi online yg saya jalani saya hingga saat ini.
Ingatlah...
SELAMAT BER-INVESTASI ONLINE !
Tuhan Memberkati...
^_^
(sumber dari website saudara Fendy Eka Purwanto, ST., terima kasih yah)
Seluk Beluk HYIP & tips lainnya
Apa itu HYIP?
HYIP atau High Yield Investment Program atau Program Investasi Dengan Profit Tinggi merupakan program investasi yang tumbuh dan berkembang pesat terutama di internet. Perkembangan HYIP di internet sendiri baru dirasakan sekitar tahun 2003 - 2004 dan mulai tahun 2005 telah merajalela dan sampai juga ada orang Indonesia yang memulai usaha ini. Banyak sekali HYIP yang saat ini dibuat dengan tujuan untuk menipu terutama bagi mereka yang belum paham tentang resiko dan bahayanya berinvestasi di HYIP.
HYIP banyak yang menerapkan "ponzi scheme" yaitu suatu skema dimana orang yang masuk dahulu pada program mendapat profit yang didapat dari orang yang masuk belakangan, dan apabila sudah tidak ada yang masuk atau yang masuk berkurang, maka program tersebut akan tutup (scam). HYIP sendiri saat ini banyak menggunakan mata uang internet (e-currency / e-money) seperti E-Gold, e-bullion, e-wallet, asia-wallet, dll. Beberapa di antaranya ada juga yang mempunyai mata uang sendiri seperti SwissCash dengan mata uang e-point, ataupun lewat transfer bank maupun "Bank-Wire". E-Gold merupakan mata uang yang paling banyak dipakai saat ini untuk investasi.
Jenis-jenis HYIP
HYIP sangat banyak dan beragam yang beredar saat ini di internet. Dari besarnya pembayaran ada terdapat HYIP yang membayar 0.1% perhari bahkan hingga 1000% perhari. HYIP yang membayar di atas 5% perhari biasanya dibuat dengan tujuan 100% menipu, paling lama bertahan bulanan. Ada HYIP yang membayar per-hari, per-minggu, per-bulan dan ada juga yang membayar per-jam, per-menit bahkan per-detik. HYIP yang bayarnya per-jam, per-menit, dan per-detik juga dibuat untuk tujuan menipu yang biasanya tutup dalam waktu mingguan.
Dari cara pembayaran ada 3 macam cara yang biasa dilakukan oleh HYIP yaitu:
1. Manual - pembayaran (withdraw) ini harus disetujui dahulu oleh pengelola (admin) HYIP baru dibayarkan ke anda antara 1 - 48 jam setelah anda meminta pembayaran atau profit telah jatuh tempo lewat transfer ke e-payment (e-gold) langsung.
2. Instant - pembayaran langsung diterima anda setelah anda meminta pembayaran (request withdraw) dan saat itu juga tertransfer ke e-payment (e-gold) tanpa perlu di-approve oleh admin HYIP.
3. Fully Automatic - pembayaran akan langsung tertransfer ke rekening e-payment (e-gold) tanpa perlu anda minta terlebih dahulu.
Banyak orang mengkategorikan HYIP juga berdasarkan lama waktu beroperasinya, kredibilitas dan pembayarannya selama ini dengan posisi (rank) seperti hot, platinum, gold, silver, under trial, problem, not paid (scam) dan juga HYIP ada yang digolongkan HYIP yg benar dan yang 100% menipu. Biasanya HYIP yang tidak benar adalah yang profitnya di atas 5% per-hari.
Kemana saja HYIP menginvestasikan uang kita?
Banyak program HYIP yang mengaku mereka menginvestasikan uang investor ke saham, index, option, obligasi dan forex. Ini mungkin saja benar kalau mereka menawarkan profit yang kecil kepada investor (di bawah 1% per-hari). Khusus untuk HYIP yang mengaku mereka menaruh uang investor di forex memang profitnya bisa besar kalau untung tapi kalau rugipun besar kecuali adminnya sudah berpengalaman di bidang forex atau memakai software "winning-solution" yang membantu mereka supaya bisa untung. Jadi kalau ada HYIP yang mengaku mereka menaruh uang investor di saham, index, option, dan obligasi lalu menawarkan keuntungan di atas 1%, berarti mereka itu penipu.
Kebanyakan admin HYIP itu menaruh uang investor itu di program HYIP lain juga yang tentunya menawarkan profit yang lebih tinggi, jadi uang investor putarnya di situ-situ juga. Hal ini juga dilakukan oleh HYIP lokal (Indonesia), jadi ketika program yang mereka investasikan uangnya tutup, maka mereka juga akan ikut tutup juga. Tetapi banyak HYIP yang dibuat dari pertama dengan tujuan menipu, jadi uangnya tidak diinvestasikan kemana-mana, biasanya yang begini mereka pasang target kalau sudah mencapai jumlah tertentu akan tutup (scam) sendiri.
Ada juga yang investasikan uangnya ke sektor riil, pertambangan, membangun gedung, perumahan atau membuka usaha, tapi ini hanya sebagian kecil saja. Yang pasti banyak investor yang tidak akan jelas tahu uangnya mereka diapakan dan yang penting pada umumnya bagi yang sudah berpengalaman di bidang ini hanya berpatokan bahwa mereka dibayar dan mereka akan profit nantinya dan tidak berpikir dan peduli uang mereka akan diapakan.
Kriteria HYIP yang layak sebagai tempat investasi
Ada beberapa kriteria HYIP yang cukup layak untuk anda investasikan uang anda dan kemungkinan anda bisa profit atau setidaknya tidak rugi banyak kalau berinvestasi, HYIP ini setidaknya harus memenuhi 8 dari 11 kriteria di bawah ini:
1. HYIP harus sudah beroperasi setidaknya lebih dari 30 - 60 hari, jangan investasikan uang anda ke HYIP yang kurang dari 30 hari (1 bulan)
2. HYIP harus bayarnya jarang bermasalah, jarang telat atau HYIP yg ratingnya bagus di mata investor selama jangka waktu atau lamanya beroperasi. Ini anda bisa cek di user rating atau di forum-forum.
3. Profit yg ditawarkan harus masuk di akal (1% - 4% atau dibawah 5% perhari), kalau yang di atas itu tidak akan bertahan lama dan tidak mungkin sampai tahunan, nyawanya mungkin mingguan atau bulanan
4. Situs program jarang bermasalah atau jarang down, kalau situs terlalu sering down atau bermasalah akan sulit bagi investor untuk menarik uangnya apabila sistem pembayaran HYIP manual atau instant dan biasanya akan segera tutup (scam)
5. Plan investasi jangan berubah atau ada penambahan plan investasi baru dalam jangka waktu belum 1 tahun HYIP beroperasi. Biasanya HYIP yang menawarkan program baru dengan profit makin tinggi dari yang program lama berarti sudah mau tutup dan kalau yang menawarkan penurunan profit berarti HYIP sedang kesulitan dana
6. Investasi minimalnya di atas $1 atau setidaknya $5. Banyak program yang tidak benar investasinya mulai dari $1. Secara logika $1 tidak pantas untuk dipakai untuk investasi
7. Situs sebaiknya mempunyai sekuriti semacam DDOS protection, SSL 128 bit dan lain sebagainya. HYIP yang mempunyai situs demikian akan bertahan lebih lama dari pada yang tidak ada karena mereka mengeluarkan modal untuk membeli proteksi berarti berani keluar modal dan lebih bonafid
8. Situsnya tidak dibuat memakai script yg bisa dibeli atau dibuat asal-asalan (asal jadi). Anda pasti bisa membedakan kalau anda coba terlebih dahulu untuk registrasi atau sudah sering melihat situs yang sejenis. Intinya situsnya harus interaktif dan mudah diakses
9. HYIP yang ditawarkan juga unik atau berbeda dengan program yang ada.Unik dalam arti jangka waktu, pembagian profit dan ketentuan yang ada berbeda atau jarang sama dengan HYIP yang pada umumnya sama. Kalau yang niru-niru berarti tidak ada plan dan kebanyakan adalah penipu
10. Situs sebaiknya memiliki akses database dalam arti anda bisa register, login dan mengecek hasil investasi anda. Kalau situs tidak demikian, sebaiknya jangan investasi. Banyak HYIP Indonesia yang menawarkan investasi lewat SMS yang ternyata 100% menipu. Kalau di luar negeri banyak juga HYIP yang situsnya hanya untuk akses menyetor uang ke e-gold dan tanpa mempunyai fitur database untuk mengecek status investasi anda. Pilih HYIP ada pasang iklan (banner) di situs lain kalau bisa, karena yang pasang iklan berarti mereka punya modal dan berani keluar uang dan tidak akan ada rencana untuk scam dalam waktu cepat
Aturan main yang harus diikuti berinvestasi di HYIP
Supaya anda bisa profit atau meminimalisasi resiko kerugian berinvestasi di HYIP, ada aturan yang harus diikuti oleh anda, antara lain:
1. Jangan re-invest atau menambah investasi anda terus menerus sebelum anda BEP (break even point) atau balik modal. Anda harus pasang target berapa yang harus anda investasikan, setelah itu anda stop dan nikmati profit. Dari profit yang ada setelah anda balik modal terserah anda ingin investasikan kembali atau investasikan ke HYIP lainnya
2. Jangan pernah "compounding" akan memakai fasilitas bunga berbunga (bunga majemuk) yang ada pada program HYIP. Jadi intinya jangan investasikan kembali profit yang anda dapatkan, tetapi tariklah setiap saat kalau anda sempat
3. Investasikan uang lebih anda atau uang yang tidak terpakai atau uang yang anda rela untuk hilang karena setiap investasi ada resikonya dan HYIP juga demikian. Bedanya HYIP tergolong investasi yang HIGH PROFIT dan HIGH RISK di mana resiko anda mendapatkan profit yang tinggi anda harus perhitungkan apakah sepadan atau tidak dengan resiko yang anda tanggung bila mendadak HYIP tersebut tidak membayar anda
4. Pasang target perolehan anda dan jangan serakah. Memang banyak HYIP yang menawarkan profit yang mengiurkan dan ketika anda invest dan kebetulan anda untung jadi anda tergiur untuk mendapatkan "lebih". Saran saya jangan sekali-kali anda tergoda dengan meminjam uang, menjual barang atau memakai uang anda lebih dari 10% dari total yang ada untuk investasi di sini kecuali anda sudah berpengalaman. Sekali lagi saya ingatkan investasi ini beresiko tinggi. Pasang target investasi anda misalnya anda cuma invest maksimal 10 juta di sejumlah HYIP dan kalau balik modal, dari profitnya baru diinvestasikan lagi kalau rugi anda wajib berhenti
5. Diversifikasi atau pengalihan investasi ke beberapa program investasi atau yang dikenal dengan pepatah "jangan menaruh telor dalam satu keranjang". Semua di dunia ini tidak ada yang abadi apalagi program investasi seperti HYIP yang bisnisnya dilandaskan azas kepercayaan. Anda percaya anda invest, kalau ragu-ragu mending jangan
6. Jangan memasukan uang ke dalam HYIP apapun lebih dari $10,000 sebelum anda yakin bahwa HYIP tersebut punya rekord membayar investor yang investasinya besar, karena ada HYIP yang tidak membayar investornya kalau sudah investasinya di atas ribuan dollar tapi membayar yang investasi kecil (puluhan sampai ratusan) supaya rating mereka bagus.
Semua orang yang profit di HYIP dan hidup dari investasi HYIP pasti mengikuti langkah-langkah di atas karena ini sudah merupakan aturan baku yang harus diikuti.
HYIP di Indonesia
Di Indonesia saat ini banyak sekali berkeliaran HYIP baik yang online maupun offline. Banyak juga yang tadinya offline dibuat online oleh para membernya. Ada beberapa HYIP Indo yang investasinya di bidang forex dan ada juga yang uangnya di investasikan ke HYIP lain di luar negeri. Profit yang ditawarkan umumnya lebih kecil dari pada HYIP du luar negeri. Banyak HYIP di Indonesia yang memakai metode pembayaran lewat transfer BCA per-minggu, per-2 minggu bahkan per-bulan.
Sejak tahun 2006 - 2007 banyak sekali HYIP lokal yang online maupun offline berguguran satu persatu bahkan ada yang umurnya sudah hampir 10 tahun ikut tutup pula. Ini menjadikan HYIP Indo mempunyai potensi resiko kerugian sangat besar dilihat dari analisa resiko karena selain profit yang ditawarkan kecil sehingga untuk BEP jangka waktunya lebih lama (rata-rata di atas 6 bulan bahkan ada yang sampai tahunan). Selain itu karena pembayarannya rata-rata mingguan atau bulanan memperparah lamanya proses BEP itu sendiri, belum lagi banyak yang umurnya tidak lebih dari 1 tahun.
Belum lagi tampaknya ada regulasi dari pemerintah dan perbankan dan juga pihak bapepti yang ingin lebih memperketat pengontrolan arus uang di masayarakat dan perusahaan investasi yang tampaknya bisa berdampak buruk bagi HYIP yang kategori benar.
Kesalahan yang dilakukan investor ketika berinvestasi di HYIP
Banyak orang yang rugi di HYIP karena mereka tidak menyadari kesalahan yang mereka perbuat dan beberapa orang malah menyalahkan orang yang mengajak mereka, situs yang menampilkan iklan atau rating HYIP dan bahkan menyalahkan perusahaan / admin HYIP serta semua perusahaan yang turut "mendukung" menjamurnya HYIP seperti perusahaan e-payment (e-gold, e-bullion), situs rating HYIP dan perusahaan iklan seperti Google juga sering menawarkan iklan HYIP pada situs pencarinya.
Kesalahan yang sering dilakukan investor HYIP antara lain:
1. Memakai uang hasil pinjaman atau utang baik dari teman, kerabat, saudara, perusahaan, bank ataupun dari hasil jual tanah, rumah, mobil, uang simpanan bertahun-tahun untuk cadangan dan keperluan hidup untuk investasi di HYIP dalam jumlah besar. Semua investasi ada resikonya dan banyak investor yang tidak menyadarinya. Resiko bisa menjadi lebih kecil jika kita investasi di HYIP yang tepat dengan waktu (timing) yang tepat pula dan proses pembayaran HYIP perhari serta jangka waktu BEP HYIP yang cepat.
2. Melakukan re-invest atau menambah investasi padahal investasi yang dilakukan belum BEP tanpa memasang target maksimal investasi. Memang proses bunga berbunga atau uang membuat uang sering membuat orang terlena apalagi yang sudah pernah profit dalam jumlah yang besar sehingga menjadi lupa diri dan terus menambah investasi dan mengabaikan resiko investasi sehingga pada waktu perusahaan HYIP mendadak tutup maka si investor akan rugi dan tidak mungkin akan profit
3. Invest ke HYIP tanpa mengecek HYIP tersebut secara mendetil apakah masih membayar atau tidak, pembayaran selama ini bagaimana dan rating serta kredibilitas HYIP. Investor yang melakukan ini ibarat investor buta yang berjalan tanpa tongkat di mana kemungkinan besar akan rugi dalam berinvestasi di HYIP.
4. Invest di HYIP yang menawarkan profit yang tinggi sekali dan tidak masuk akal (di atas 5% perhari) juga kesalahan yang besar dan HYIP ini tidak akan bertahan lama. Anda bisa kelihangan modal kapan saja kalau invest di sini
5. Invest di HYIP yang baru berumur beberapa hari juga mempunyai resiko yang besar karena banyak HYIP yang cuma membayar investornya beberapa hari saja dan ada pula yang tidak membayar sama sekali dari pertamanya. Invest di HYIP yang umurnya lebih dari 1 tahun juga bisa berbahaya karena ada HYIP yang memanipulasi umur HYIP itu sendiri dengan mengatakan bahwa mereka sudah ada sejak 2 atau 3 tahun lalu. Jadi intinya anda yang harus rajin mengecek HYIP yang akan anda invest
Cara AMAN investasi di HYIP
Saran saya untuk investasi di HYIP adalah anda pasang target dan siap untuk rugi pertamanya walaupun belum tentu anda akan rugi, ibarat pepatah mengatakan "sedia payung sebelum hujan". Misalnya target anda keluarin modal 5 juta rupiah, anda beli E-Gold senilai itu terus invest di beberapa HYIP yg ratingnya bagus, jangan reinvest dahulu, tarik setiap anda terima profit, pelajari pola dan cara kerja HYIP tersebut, dan pantau setidaknya 6 bulan hingga 1 tahun kalau anda profit, terserah anda profitnya mau di re-invest lagi atau anda tanam di HYIP lain, kalau ternyata rugi anda sebaiknya berhenti.
Cara lainnya butuh modal lebih besar, tapi jauh lebih aman dan 90% bakal profit tapi jangka panjang. Caranya anda beli E-Gold dalam jumlah yg besar (di atas 10 juta rupiah atau US$ 1000 E-Gold), makin besar makin baik. Tunggu sampai harga emas naik atau E-Gold fluktuasi naik. Pakai profit yg di dapat utk investasi di HYIP yg rating bagus. Jadi anda sekali tepuk dua lalat dan anda tidak akan bakalan rugi utk jangka panjang, kalau rugipun tidak akan banyak dan setidaknya modal atau pokok anda tidak hilang. Yang bisa bikin rugi kalau harga emas dunia anjlok dan ini belum pernah terjadi dan semoga tidak, kalaupun harga emas dunia turun biasanya setelah ada kenaikan yang cukup tinggi, karena emas adalah logam yg langka di mana makin hari makin sedikit jumlahnya karena banyak disimpan oleh orang...
Saya pantau E-Gold sudah naik sejak tahun 2004 hingga 2007 di atas 50% lebih dan menyimpan uang di E-Gold cukup aman seperti layaknya Bank dan tidak mungkin akan Scam. Saya juga menggunakan metode yg di atas utk mendapatkan profit yg sejauh ini cukup efektif dan bisa tidur pulas tiap malamnya tanpa ada perasaan was-was.
Langkah-langkah investasi yang benar, yaitu:
1. Testing dahulu HYIP dengan menyetor investasi minimal (min. deposit) ke HYIP yang sudah anda cek status dan ratingnya sebelumnya. Setelah HYIP membayar anda, cobalah untuk mencairkan profit anda, kalau semuanya lancar baru lanjut ke nomor 2
2. Masukkan investasi anda yang benar (target investasi anda) ke HYIP
3. Ambillah atau cairkan profit anda sesering mungkin kalau HYIP anda memakai sistem withdraw manual atau instant
4. Tunggu sampai modal anda kembali, setelah itu terserah anda ingin re-invest profit anda atau memakai profit anda untuk invest di tempat lain. Saran saya anda sebaiknya re-invest setengahnya, sisanya invest di tempat lainCara di atas bisa dibilang paling benar dan aman untuk investasi, kalaupun anda rugi tidak akan rugi semua, kecuali anda lagi sial benar baru invest, HYIP mendadak tutup (scam).
Cara di atas memungkinkan anda untuk profit kalau dilakukan sesuai ketentuan terutama kalau anda invest di HYIP luar yang jangka pengembalian modalnya singkat antara 50 - 100 hari atau 2 - 4 bulan (profit perhari 1% - 3%).
KESIMPULANNYA........
Banyak orang yang mengatakan bahwa HYIP itu merupakan investasi yang untung-untungan atau menyerupai judi, kalau menurut saya itu mungkin ada benarnya walau tidak 100% benar. Dilihat dari resiko judi jauh lebih besar karena kalau anda kalah 100% uang anda akan hilang. Tidak demikian dengan HYIP kalau anda mengikuti aturan main anda akan bisa profit dan setidaknya tidak rugi 100% kecuali anda lagi sial bergabung dengan program yang kategori "bagus" hari ini besoknya program tersebut tutup.
Investasi di HYIP menurut saya resikonya hampir sama dengan bermain forex, semakin anda tidak berpengalaman maka anda akan rugi semakin banyak. Apalagi kalau anda nafsu atau serakah ingin memperoleh profit yang tinggi. Intinya kalau anda ingin bisa profit pada akhirnya harus sering baca dan banyak belajar dari para senior yang sudah banyak malang melintang di dunia HYIP ini.
Intinya dari artikel ini ialah jika anda ingin investasi di HYIP, cari HYIP yang rating bagus yang bisa mengembalikan modal anda antara 50 -100 hari (maksimal 150 hari), di bawah atau di atas itu sebaiknya jangan. Pasang target modal berapa yang ingin anda investasikan (sebaiknya maksimal 5% - 10% saja dari total uang anda), jangan re-invest lebih dari 2 kali (menambah investasi atau compounding - memasukan profit ke investasi) sebelum modal anda kembali. Setelah kembali, anda pakai profitnya untuk dipakai invest kembali atau invest di tempat lain. Ini merupakan cara yang paling benar dalam berinvestasi di HYIP.
Anda sebaiknya juga membuat patokan sendiri di dunia HYIP karena setiap orang pasti ada patokannya sendiri-sendiri dan terus me-review perkembangan investasi anda di HYIP dari bulan ke bulan serta pasang target uang yang dikeluarkan (modal) untuk investasi di HYIP, kalau anda untung anda lanjut dan kalau anda rugi dan uang modal anda habis, sebaiknya anda berhenti dan anggap ini sebagai suatu pengalaman hidup.
Kalau anda sudah melakukan semua ketentuan yang benar dan tidak melakukan kesalahan investasi, tetapi anda masih rugi di HYIP, berarti nasib anda memang sial seperti contoh anda bergabung di satu HYIP yang bonafid yang sudah anda telusuri, tapi baru bergabung besoknya perusahaan langsung tutup dan ini terjadi juga pada perusahaan HYIP yang lain. Kalau terjadi demikian saya sarankan anda berhenti karena usaha / investasi ini tidak cocok dengan anda karena memang tidak semua orang bisa sukses di semua bisnis.
Seorang konglomerat yang mempunyai puluhan atau ratusan cabang perusahaan pasti juga ada salah satu perusahaannya yang rugi juga. Contoh Bill Gates, orang terkaya di dunia saja perusahaan game consolenya X-Box sampai saat ini masih bisa dibilang merugi karena biaya yang dikeluarkan untuk riset besar, selain itu X-Box dijual dengan harga subsidi untuk bisa bersaing dengan Sony dan Nintendo.
Akhir kata usaha apapun tentu ada resiko bisa rugi dan bangkrut baik karena salah manajemen, ditipu, SDM yang tidak kompeten, persaingan, terkena dampak bencana alam, kebakaran, dirampok atau dijarah dll. Kalau investasi di HYIP resiko cuma satu saja yaitu perusahaannya tutup atau tidak membayar lagi. Tapi bagaimanapun resiko tetap resiko baik sekecil apapun bila anda menghadapinya dan tidak siap untuk itu akan membuat anda rugi dan besar tidaknya kerugian tergantung terhadap anda apakah anda siap dan ada rencana untuk menghadapinya atau ada rencana cadangan (backup plan) bila ini terjadi.
Akhir kata,....
Selamat Berpetualang di Dunia Investasi Online. Tuhan Memberkati.... ^_^
Penulis
(sumber dari website saudara Fendy Eka Purwanto, ST., terima kasih yah)
Rules of HYIP
http://www.hyip-expert.com/index/link/newbie_hyip/#Rules
HYIP stands for High Yield Investment Program.
They are basically High Risk Investment that promise high returns .
As with other investments, high gain means high risk. Many HYIP programs were proven to be scams. Most of the scam HYIPs use the ponzi scheme, and they do not invest your money elsewhere. People call them SCAMS or Ponzi.
Therefore when most people heard of the term HYIP, they usually refer it as scams. They fear HYIPs. They are afraid to lose money. They are afraid of risk. They are losers in life.
So many HYIPs are ponzi! Why must I invest?!
Ponzi? So what. As long as ponzi and scammers are around, we can make money. If you are afraid to lose money, leave our monitoring site now. Losing money is the key and the gear to build a better investment diversification plan.
HYIP gained popularity when e-currencies such as e-gold, StormPay , Evocash, E-Bullion, Paypal, Netpay, Pecunix and others were introduced. HYIPs allow investors to invest even in a very small quantity, making the program very popular and easy to follow.
HYIP Rating Site - A site in which either the site owner, or site members rate/vote for current programs. Rating sites can be a good sourse of information, but also you must realize they can be manipulated by members and site owners. Use rating sites in order to find when programs started, how much they pay out and what others have to say about them.
Compounding Interest - To reinvest a certain amount of your funds. Instead of "cashing out" returns from a program or investment one reinvests the returns, which give a compunding affect. Many HYIPs offer compounding in order give members incentives to keep their funds in the program. Compounding can be extraordinarily benefitial, however it is not always suggested in the HYIP arena. A good formula for compund interest is: FV = P(1 + r)^n; where FV= future value, P = initial investment, r = rate of return; and n = number of terms.
Cycler - Usually a program that sells banner advertising with the incentive of recieving a % of the money paid for that advertising back. This percentage is usually more then what you paid for the ad. As people purchase ads after you do, your banner cycles off the program and you get the given return. Basically Cyclers are transparent ponzi's, although being that they offer a product, advertising, the term ponzi may not always apply.
Referrals - Any member who has signed up for a program using a link provided by oneself. Referral programs are available for many HYIPs as well as other business ventures. They can be quite rewarding at times. There is however a quesion of whether or not referring people to programs that you know are a scam is ethical or not.
Rule1: Prepare to Lose
Be prepared to lose and only invest money you can afford to lose. Dont think of earning a living on HYIP. Always invest in HYIP to earn extra income for other purposes such as setting up a business. HYIPs dont last forever!
Rule2: Diversify
Diversify your money into 10 to 20 programs. What to diversify into? It will depends on what type of investor you are.
Usually only 70% or more of your investments will fail before you even get back your 100% of your money. However, your remaining investments will pull through long enough to coverup for the loss.
Rule3: Get Capital ASAP
Always take out your capital as soon as possible before you do any compounding or reinvesting. If you are Mr Hell, then you might ignore this rule.
Rule4: Grow Wisely
After you have got back your capital, begin to compound. 100%,75%,50% or 25%....its your choice. Higher compounding rate if your program is doing well. 0% compounding if your program is dying.
Rule5: Research
You must always do you own research before you enter into any program. Read the forums, read the monitoring sites such as ours :) and do a !whois search.
You can do a !whois search here : http://www.whois.sc or http://www.whois.ws
Ask yourself these questions:
- who are the admins?
- are they responsive?
- where are they from?
- which monitoring site are monitoring them?
- what are the comments given by the public?
- how did they get their income?
- how long have they being operating?
- what documents do they have?
Rule6: Skeptical
Always be a skeptical loser before you enter any program. When you are a skeptical person, you will do 10 times more research than an idiot who joins a program blindly.
Rule7: Watch for Warning Signs
When you are in a program, watch out for the warning signs!
If your program is failing, dont bother crying over it. Look elsewhere for a better investment.
Rule8: Zero Emotion
Dont let your emotion do your investing. Dont be Greedy!! Dont be afraid!! PLAN PLAN PLAN!! Stick to your PLAN!!
Due Diligence And Its Aspects
(in co-operation with HYIP-Navigator.com E-magazine)
J ust to start out, each of you has probably heard that "high yield" means "high risk". Programs generating high returns are normally involved in risky and volatile fields of capital management, such as currency operations, stock exchange, sports betting, metals trading etc. It is clearly understood that safe investing is not the issue in this case (except for very few programs with unique business concepts, proven by years of experience). The first thing you need to be aware of is that there is always a chance to lose part of your money, to receive lower profits than you expected or to face a delay in payout for whatever reason. Nevertheless, it doesn't happen at the same time with all programs, - so if you have diversified well, it will not really matter if one of, let's say, ten programs from your portfolio is undergoing shortcomings of some sort.
The problem is to make sure that all of the programs you are invested with are real businesses instead of being mere pyramid schemes, where returns are paid from the investments of new members, and when the pyramid reaches its peak (in other words, when its admin decides that he's got enough money to retire), it collapses and you are left with nothing in the majority of cases. The sole of this trick is based on the fact that most e-currencies offer anonymous and irreversible transactions. It means that even if you complain to their administration/support with a claim stating that "an account holder # XXXXXX has scammed me off $YYY USD", you will receive a ridiculous response advising you to consult legal services in your country of residence or to obtain a court subpoena for further investigation to be executed. Certainly, you will most likely choose not to do so for one simple reason - the services of a lawyer will cost you way more than the amount of money (normally, a few hundred bucks) you have invested with that program. Even if you turn out to be persistent enough and contact the appropriate law enforcement agencies, it will not help you in any way, since the scammers use fake names (or stolen identities, just the way it was in case with "Intellekt-Kapital" - a huge scam, run from Germany. Hanover city police proved to be unable to catch the crook behind it, since he was using the name of another person who has never even heard of that program). Hence, it is better to avoid scammers than to go after them once you lose your hard-earned money.
What are the ways of verifying the validity of a particular program's business? Ideally, it is a personal meeting with its administration where you can ask any questions, check out the original registration and identification documents and even take some pictures. But what if you live on different continents and a plane ticked would cost more than the total amount of your investment with this program? In this case we would suggest you use some recommendations we are about to give you in this article.
When it comes to online investing, the first thing you should do is check out a program's website. Pay special attention to its design. Is the program using a primitive template with a standard collection of FAQs (Frequently Asked Questions) and senseless modalities (such as "backed by Forex", "experienced traders", "corporate backing", "inner workings", "work behind the scenes" etc.) in the explanation of its business concept, with no actual names and contact details being specified? If so, just pass it.
Another important step is checking the domain registration data of a company's website (also known as "WHOIS data"). Actually, it can tell you much more than you would ever expect. The best way of obtaining this data is going to http://www.dnsstuff.com or http://www.whois.ws and typing the address of the program's site. Once you hit "Enter", a complete list of contact details will be displayed on your screen.
First of all, it's the name and the contact details of the registrar. For instance, if an allegedly large and credible international stock trading company with a fancy name is using a cheap web-hosting service, located in one of the "third world" countries, this fact is definitely worth giving it a thought.
Secondly, you should pay attention to the dates of domain registration and expiration. If a company says it has a few years of experience in working with online investors, but their website domain was registered only a couple of months (or even weeks) ago, it is obvious that they are lying. Alternatively, if you have just read an article of theirs about the program's long-term plans for the future, and then you see that their domain registration expires in less than half a year, the chances are that it is nothing but another scam.
Thirdly, it is the actual contact details which are part of the WHOIS data. They normally include an e-mail address, a physical address, and a telephone number. You might be willing to give a call to the number specified to make sure it's not made-up and really belongs to the person listed there.
Once the WHOIS check-up is complete, you can move on to the verification of the company's documents. There are three basic types of documents to be verified: registration certificates, trading history or copies of contracts, and bank reference letters. Once supplied with these documents, you are ought to contact their issuer in order to confirm the validity of these documents. The name of an organization/agency which has issued a particular document must be specified on the document itself. Then you just enter it into a search engine (e.g. Google.com) and look for a phone number or e-mail address of the issuing institution. It would be best to provide them with a faxed or scanned and e-mailed copy of the document to ensure the most precise verification (quite often companies have similar names or even worse - use other businesses' brands without their permission). In case an investment program has provided you with a weird registration document compiled in a foreign language, do not hesitate to ask them for a copy of their bank reference letter. Even minor financial institutions involved in international banking are listed on the Internet, altogether with their contact information.
The third stage of Due Diligence is a personal meeting with a program's staff (if they agree, of course). In this case it would be good to invite a friend who is a lawyer or a businessman to go with you. That way they will not be able to lie about their business activities or past performance. Also, don't forget to bring your camera with you in order to take some pictures of the admins.
In conclusion, we would like to advise you not to invest what you cannot afford to lose and to diversify between five to ten different programs. Also, remember to take your initial deposit out as soon as possible, and re-invest part of your profits. If you follow this strategy, you will never lose any money, no matter what the outcome is going to be.
Before investing in High Yield Investment Programs there are several aspects to take into consideration. Here's a list of the most important ones:
› Always get some knowledge about the High Yield Investment industry before making a decision to invest your money in High Yield Investment Programs. A good advice is to read every page of this website before doing anything else. As mentioned before, when done right, High Yield Investments are extremely profitable, but without knowing the industry and which programs to invest in you'll most likely lose your money. Knowledge is one of the major keys to success in the HYIP arena.
› Think about what your reasons for investing are. Are you looking at it as a solution to your financial problems you shouldn't even think about it. As mentioned several times on this website, High Yield Investments are risky, and if you're unlucky enough you could eventually end up without any money at all.
› Always think over your financial situation before taking the step to invest in HYIPs. Never invest more than you could afford to lose.· Are you a gambler or more careful? Even if High Yield Investing is much like gambling there are options that seem to be safer than other. Decide how big risks you are willing to take.
› If you've made the decision to start investing, find a few programs that you believe in, and invest in all of them. Diversifying your investment on several programs will reduce the risks and you won't lose everything if one program goes out of business.
› Before investing in a specific program, do some research on it. Does the website look professional? Do they provide any contact information? Where are they based? Check this out before making a final decision.
› Always check what the rules are regarding withdrawals before investing in program. Some programs let you withdraw your money whenever you want. Others keep your money locked for months.
› Do some calculation using our high yield investment calculator to find out how long it will take before you'll get your investment back.
Sometimes High Yield Investment can tend to be very much like gambling. And yes, it is very much about luck and about finding the right programs. However, if you follow the advice given above you'll dramatically increase the chances of winning the game.
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