hile choosing a program you should stick to following rules.

Rule Number 1
Never put all your money into one small program, regardless of how good it looks, or how great you have been told the program is, especially if the only means of communication with them is via anonymous email. These programs will usually have a free website from Homestead, Tri-pod, Geo-Cities, etc., if thy do have the site. This goes for almost all of the frauds, but can also apply to very professional looking websites ,giving you virtually no contact point information. If you intend to invest a large sum, then you should always make sure that the program in question offers some sort of capital security. In this case, you should also try to arrange a te^te-a`-te^te meeting with the principals. If you have an up line sponsor, ask them if they have this information.

Rule Number 2
Carry out as much due diligence as possible on that particular program. If you are coming in with $1 million, you will be able to satisfy yourself about legitimacy with irrefutable proof, because you will be dealing directly with the principals. Usually an investor with $100,000 can secure a program utilizing a sole signatory account, through an offshore trading structure, and be privy to more info, but this situation is not always the norm. What about the rest of you? Forget it.
There are no public registries, no BBB listings, no bankers or brokers who will confirm anything. For the small investor, this business is based on trust and personal relationships: you know me, I know ‘A’, ‘A’ knows ‘B’, who works with manager ‘C’, who knows the trade facilitator ‘D, etc. You can only do the best with the information that is available on that program.

Do not contact any regulatory authorities to see if any complaints have been made, as this may simply result in an otherwise sound program being shut down. Use the forums that are listed in the appendices to gather as much info as you can and make an educated decision. What you are looking for is impartial advice, which is unfortunately hard to find on the HYIP forums, although the Invest Navigator website is completely impartial, so make good use of it.

Rule Number 3
Once again do not put all your eggs in one basket when it comes to the smaller Internet based HYIP’s. You should diversify by placing a portion of your investment capital into many different programs so if one venture goes sour you still have the others intact to produce income. Many small programs will close down. Funding two to three small programs with large amounts is suicide.

Focus on the overall plan, not on a program or two, unless you have found a single large program that offers a good return coupled with capital security. Build your smaller program list up to no less then ten, it may take time, but this is the correct way to go about investing in small Internet HYIP’s. If you want to achieve a lot of success, get your mind off the investments you are in, and get focused on your plan. Your ultimate goal is to eventually fund 15-20 paying programs, as soon as some pay out you can widen your program list. Concentrate on the plan not the programs.

Rule Number 4
With the smaller programs, you should aim to recoup your seed money from any one venture as soon as possible. Take your seed money back when you reach 2-1 or 3-1. Remain invested with their money and not yours from that point on. Too many small programs start out fine, we get comfortable with them and start putting extra money in before the returns from the last cycle come back, and then they fail. Do not reinvest more money before you have been paid back, no matter how long it takes. A good rule to follow is to take your original capital back as soon as possible and only keep reinvesting half of the payout proceeds on each cycle.

Rule Number 5
Do not let large amounts accumulate in small programs; take smaller profits often. Even from the most stable smaller programs, take funds back often. Taking small amounts of profit along the way versus letting a larger amount accumulate before a program goes sour will allow you to see a profit instead of missing out on what you thought you had.

Rule Number 6
Do not jump into new programs right away. Truth is many programs never make it through launch. Why would you waste your time promoting a program that had a month or two to go before you could ever sign someone up for it, assuming of course that the program even remains on schedule.

If it is good this week, it will be good next week or three months from now. Let the program establish a payout history with good customer service before investing money with them. With some exceptions, we do not join new programs right off the bat. If they are still around in another month and everyone who is participating is happy with the program, then it’s time to take another look at it.

Rule Number 7
Do not jump the gun and start screaming swindle if a program experiences some problems early on. Allow some time for the administrative end to catch up with the trading and sign-ups, as enrolments escalate. Most programs with small administrative teams have no concept of how many people can enter a program in the early stages. It does not take long to get in a real pickle admin wise.

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We have paid much attention to coverage of different topical questions recently, at the same time we put off bridging gaps, which have been planned before to cover the basics that quite often remain to be mysteries for many people, despite their everyday use. Today we are going to tell you about PayPal payment system, which is definitely an important player of Internet-Marketing and is known to everyone. However, newbies definitely know nothing about it, and of course, professionals DON’T KNOW EVERYTHING about it as well. So, welcome to PayPal.

The PayPal payment system was founded in 1998 by Peter Thiel è Max Levchin. It’s an honest company, located in Palo Alto in California. PayPal gives its customers an opportunity to receive and send payments with the help of 3-mail or mobile phone, accessing Internet. Entering their site now, finding the question “What is PayPal?” you may receive the following reply: “PayPal, owned by eBay, is a global online payment system.

PayPal is a convenient, easy-to-use, and secure way for individuals and businesses to send and receive money online for goods, services, charitable donations, and so forth. It’s also a full-service operation that provides front-end and back-end solutions to increase growth and revenue for merchants.”

You don’t have to download some extra software to use this payment system. You manage it via web-interface and you need no any specific knowledge. The messages stored and transferred are protected with the help of SSL protocol; so, there’s nothing to be afraid of here. Besides, customers’ accounts are insured at $100 000 against unauthorized access and illegal money withdrawal.

But if you give your password to a third person by chance or specially, the admins won’t be able to help you in such a way. To register into this system you need to give the real data about yourself, since registration, using the fictitious data is fraught with losing all funds, accumulated on the account.

There’s nothing difficult in the registration procedure itself, and it’s customary for a user of Internet investments. We are not going into details of it.
The rates of the system are simple and laconic enough: activation – free of charge, transaction fees – 0.7% – 2.9%, plus 30 cents per each transaction. Currently more than 42 000 sites accept PayPal.

The spectrum of services is very wide, and it should be mentioned, it’s more convenient for the admins of programs or those, dealing with auction trades. There are built-in tools for making different transactions to pay the bills (account request, Auction Tools) in the system itself, the buttons “PAY” and other s are also placed on the site required (Web Tools). All this makes trading easier.

Besides, PayPal provides wide spectrum of extra opportunities. Mobile Payments. No matter how fantastic it may sound, today it’s possible to complete money transactions via the mobile phones. Of course to do that one need the phone, supporting the function of Internet. Batch Pay. This service makes it possible to pay to a group of people simultaneously.

The checks were used for these purposes before. Compared to checks, PayPal payments are cheaper and the payment mechanism is faster. The service given is very comfortable while paying:
* Commissions on a partnership program, discounts for the clients, sponsors for surfing, employees’ rewards, lottery prizes.
* You can read the detailed information about benefits fro senders and recipients on the site of the company, there you also will find detailed description of the scheme to work with this service and answers to many other questions.

Daily money transfer to your banking account. (Auto-Sweep). If you choose the service given, your balance on PayPal account will be transferred to your banking account every day via the electronic payment system. It means that amounts will be placed on your account within 3-5 working days. The commission for this transaction is 0.6% of all the payments.

It’s worth saying about security of PayPal system. It enjoys wide popularity thanks to the security level, which really covers many techs, starting from direct transactions’ protection, finishing with different “statuses” of sellers and buyers, which allows them not only securing the legality and safety of the transactions, it also makes possible to insure against any illegal clients’ moves.

PayPal admins promise that in the nearest future system clients will have opportunity to use the Shopping Cart, carry out international payments, they will be granted an opportunity to receive percents for keeping money on the account, they will receive debit cards, and will be assigned with the settlement account of their own.

In case they will fulfill al these promises, PayPal can become the most powerful payment system. As far as I know, none of payment systems is able to offer such a wide spectrum of services in the nearest future.

PayPal nowadays is the most popular specialized internet-system in the USA. According to the official information, PayPal is used by more than 50 mln. people. This number is certainly going to increase in future, so the knowledge acquired will definitely be in use.

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In this article I discuss two possible opportunities of high yield investment programs in the Internet and their advantages as well as disadvantages. I hope that the article helps readers to decide what program is more suitable for them. What high yield program is the best and prosperous is the most important issue of this article.

As mentioned already, there are two forms of high interest projects in the Internet: compounding and non-compounding. Investors use compounding for generating new interests from previous investments. In other words, it is the ability of current investment value to generate new earnings which can be reinvested.

Moreover, investors have an opportunity to make a new investment using the paid out interests without their own money must be used for this project. For example, the process of only 10$ initial capital lasts a very long time until these $10 are again back (1% per day within 100 days) to open a further high yield investment program. However, if the investor invested his money in five such programs, he can get return on investment only within 20 days. Non-compounding programs are ideal for the people who are ready to invest serious money.

Investors have an opportunity to invest their money and the interests become the first investment (principal capital) automatically which is added daily, weekly or monthly. Thus a compound interest effect develops. A compound investment costs little work because investors check their accounts only in fixed time intervals and note the increased account balance. It is advisable to save money also with little initial investments. It is a great high yield investment opportunity for investors who do not have large initial capital for investment.

Certainly, it is not easy to understand without a good example. For example, you invested $1,000 into a particular HYIP that pays 30% monthly interest (in other words, 1% per day). The shares rise 30% during the first month. Your investment is now worth $1,300. In the second month, the shares appreciate another 30%. Therefore, your $1,300 grows to $1,690. In the third month, the shares rises 30%, your capital will be $2,197.

If you check the rate of growth monthly, the growth rate increases regularly, namely in the first month growth is $300, in the second month is $390, and in the third month is $507 etc. You understand now that the numbers can start to get very big as your previous earnings start to provide returns. In fact, $1,000 invested at 30% monthly for one year would grow to nearly $23,300.00 (and that is without adding any money to the investment).

Non-compounding is another prosperous investment opportunity in HYIP. It is programs which pay out daily, weekly or monthly. They are suitable for the persons who would like to have money for life regularly because it is possible to get return on investment on the indicated E-currency account daily and weekly as well as monthly.

We see that both programs can be very “fruitful” for a business involved in a real investment opportunity. Moreover, compounding and non-compounding are able to produce extremely good result. However, investors should be careful on how to use compounding and non-compounding in HYIPs because both investment opportunities have high risk and can fail any time.

There is no doubt that one of the greatest problems in HYIP is that it is impossible to predict the life span of a particular HYIP. Thus, it is important to take a mechanism to make your investment safe. One way of doing this and reduce enormous risk in high yield investment projects is to properly use different compounding options.

For this there are also investment programs which have the factors of compounding and non-compounding. It is possible to get return on investment in the Member Area and save some money on the account. These programs are very practical for those who would like to decide daily what to do.

Also the own investment strategy is simpler and more sure if investors can obtain the initial deposited capital faster so that they can invest in further HYIPs without high risk (in other words, without their own capital funds).

I can prove the advantages on the example. So you invested $1,000 into a particular HYIP that pays 30% monthly interest. As said above, with 100% compounding there is a great possibility that $1,000 invested at 30% monthly for one year would grow to nearly $23,300.00. But what would happen if the HYIP fails in 6 months? You lose all your hard earned money very quickly. For that reason, it is important to use compounding and non-compounding together in HYIPs.

It is always recommended to get your original spend back as fast as possible, in other words set the compounding option to 0% until you return back your initial investment, then after, you can compound your shares while withdrawing 50% of your profit by setting the compounding option to 50% . Why 50%, can you ask me? Certainly, this is not a strict rule; it is the recommendations based on some experienced HYIP investors. But you have to be careful with this.

The best advantage of such programs is that investors save their money on the account during the first month (compounding) and next month they get interests (non-compounding method). In this way investors get their invested capital back, besides investment yields grow more slowly further. If such a program fails once, investors will lose nothing and yields will paid out too.

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