Two weeks have passed since the latest observer was published , which means that it’s time to summarize again. RolClub Blog continues actively working at self-improvement and development of the HYIP industry.

RolClub is an absolutely independent monitoring and a blog with awesome reputation in the field of high-yield investments. Because of this we can do information-analytical work and do not focus on promoting HYIPs. We really appreciate this status and now spend all our time at that. New opportunities, new trends and options always appear in high-yield industry. And our work is aimed at expanding the field of your interests and we do not try just to draw your attention to the best HYIPs.

I remind you that we publish short reviews/extended reviews/news and advices. Do not forget that a review is a way to get acquainted with the program, but not a reason for investing in it. We provide our clients with every opportunity to inform investors about their development and we believe that only those admins who pay attention to the information are credible. We also recommend that you trust only independent sources of information and programs that have proven themselves as reliable online investment opportunities.

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If you’re new to investing, and looking for ways to make your entry into the stock market a positive and successful adventure, one of the first things you need to do is learn some money management basics.  Here are just a few ideas to consider:

Check your history.  Before you begin thinking about investments, be sure your day to day handling of finances is under control.  Get a copy of your credit report and be certain everything in it is accurate.  Get any errors that may exist corrected and removed form the report.  If you have unresolved credit issues, take care of them before investing money somewhere else.  Extra money that you may have right now should be allocated to fixing existing credit problems before it can be used for investing.

Don’t Go It Alone:  Once you are able to commit some funds to investing, your next step should be to seek out the help and guidance of a professional.  Working with a financial planner can help you to clarify your goals and objectives so you have an overall plan for your investments.  If you don’t have a personal financial planner, be certain that you can communicate openly with the company you intend to invest with.  It’s the only way to get the answers you need and the guidance you require.

Be Watchful: Investing isn’t something you set and forget.  As the economy changes and the markets fluctuate, it will be essential that your portfolio be adjusted accordingly.  This is not a place to get so set in your ways that you miss income generating opportunities.  This is one area where you can really use the help of a company or individual with investment experienc

Venture out of your comfort zone.  While it may seem intimidating and confusing to invest outside of your own economy, it is important to keep an open mind when it comes to foreign investments.  They could very well represent some of your best investment options.

Spend less to invest more.  Once you realize that you can start investing even small sums of money, it’s important to be vigilant about finding those funds.  Every extra cent you spend on credit card interest, or unnecessary purchases could be money available to add to your investment income.  Try to set up a savings plan where you can set aside even small sums of money on a regular basis that you can add to your investment fund.

Get organized.  You can’t expect to have successful investments if you have an unorganized and haphazard approach to your finances.  You need to organize every aspect of your financial life in one place.  Gather together all documents and paperwork related to banking, insurance, retirement funds, mortgages and anything else pertaining to your money, and keep them together in one secure location.

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Do you think that HYIPs make millions and generously share them with HYIP monitors? Do you think administrators do not want to cheat us too? They surely do!

Personally, I am absolutely not surprised that the typical administrators are in charge of every other HYIP. Personally, I understand that it is difficult to treat monitors with respect and patience considering the fact that 90% of them work on a very low level. But I can not make up my mind to it and concern with understanding the fact that the man who promises to make millions for his clients can’t afford to pay twenty dollars!

The administrator runs the project which makes a profit of 2% -5% per day and he doesn’t have $20 for services! Specifically he has them but he is not sure whether it is effectively to spend them in this case. TWENTY dollars! This is not about advertising contract for $10k or even for a $1,000. It is not about a one-time service, in which it is impossible to change anything if you are wrong about your choice. It is about monitoring which will last for at least a year and includes a lot of related activities. If we divide $49 (this is the sum of our administrative fee) for 5 months of work, we get $10 a month.

And the administrator says: “I’m not sure that you are sufficiently effective”. In other words, I have so little money for promotion and almost no understanding how to succeed, that I can afford to pay only for specific investors from specific sources. Because without those investors, my pyramid will not grow. In other words, any investments with delayed returns are unreasonable and such a sum as $20 plays a role.

I am extremely against the position of some admins of HYIP monitors, which state that if HYIP can not afford their services, it is not worthy to exist. It’s blackmailing and extortion. But this fraud is used against fraudsters and it seems like it is the only way to deal with them.

Free script, template design, a little imagination and some efforts – these are the ingredients of success for the majority of cheaters who escape with the first $100 invested in their projects. Sites have become better recently, admins use more fantasy and they have to spend a lot of time in live support but the principle has not changed. They just run away with the first thousand bucks and not a hundred.

Monitors can be added one by one and admins pay for them using the deposits of first investors. Advertising? When more money is invested. Marketing? If they are extremely lucky. Such projects are shut down because of being offline for one night, a negative review or complaint to the payment system. How can such projects be recommended?

In the name of the industry of high yield investing, in the name of security of investors and their money, we should not give way to poor HYIPs for anything and never. We, as a monitor or reviewers, of course can not serve as a criterion for assessing the solvency of a HYIP. Meaning we can not pursue a policy of sifting projects based on the purchases made on our services. And we will never blackmail anyone. But I promise that our readers from now on will be always and without limitation informed about all poor projects which are not capable to work qualitatively, can’t think strategically and do not have adequate means to guarantee success.

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Investment activity is quite accurately scheduled, thought out and balanced system, in which each of the programs represents a set of terms for you to agree or not. That’s why we suppose that on case you are aware of the elements of this system; you will grasp investment wisdom and reach a level enough to receive the profit. Today we will address to such HYIP system element as money return. All newbie amateurs should pay attention to it, professionals may just review it.

You invest your money and receive the interests back. But your principal funds are your money. Brokers use this money to repay your losses, so if you lose, your money disappear. But there you may stop the process with the help of auto stops. And the matter is quite different in case with the programs we deal with.

You have three alternatives. The first and the most widespread alternative is returning your money with the interests. The second alternative is when you may get your money back when the payment period is over. The third alternative offers you to purchase some values, and it is worth to be observed in details. Your money may not get back to you.

Let’s start with the most widespread variant, where you receive your money with the interests. A program pays interests using your money in its operations (Forex, Stocks, energy etc). The process is as follows. You create a deposit with a minimal sum, allowed by this program, and it is less than a maximal sum allowed, and you receive interests that should comprise more than 100%.

For instance, you get 10% within 11 days, or 2% within 100 days. Thus, a part of this money will belong to you, and it will be returned to you with the payouts (included – as it is stated in program terms).

This is a very convenient way of paying interests for the administrator, because investor becomes dependant of payouts and time terms, and he cannot somehow influence it. That’s why it is the most popular way. When you don’t know if you pay tomorrow or not, it would be hastily to provide investors with the opportunity to withdraw. So, admins don’t give such opportunity, paying a fixed interest, including our principles.

The major problem is as follows: of the program is paying within 100 days, you campy be sure that you will receive your profit (which happens when you receive 100% of your funds and at least 0.1%). The program may disappear on the 49th day, and you will anyway leave a part of your funds to these guys, receiving 2% daily, no matter you will receive your $98 back 9which is not so painful as loss of all your money). You should recognize it and understand that you run risks, and deal with the most dangerous folks, who aim at making themselves totally safe and secure, inventing various idiot terms

Alternative variant to the one described above is when you may get you’re your principals. However, if they allow withdrawing at any time, it will be a mess. The program which uses your money on some purpose, also has agreements with, say, broker or handbook firms, and they cannot afford you do what you want.

So there are two types of restrictions here. The first one is impossibility to withdraw principals before a definite terms expires, for instance, this may be a term existing for paying all interests. For instance, if the term is 6 months, you cannot withdraw your money until this period is over.

The second variant is a fee, which is removed when you try to withdraw your money too early. It may reach 50% and it is really cruel. But this is done to prevent you from withdrawing. However, such option is a real program’s advantage, because very few programs may risk and offer such option to its investors.

FastMarket is a good example, they’ve had both variants of principal (or initial) withdraw, and both these variants didn’t work However, all of you remember that this program lived for long, that they started new projects, and many investors received their profit. Well, when we started to request our principals in 6 months, administration just kept silence.

The same refers to a simple withdrawal of our funds, even with 50% administrative fee – we haven’t received anything as well. Then investors faced the same problem. In short, FastMarket had a quality and advanced structure, but it didn’t work so. I don’t know if someone could withdraw the money from this program during all period of its work, but this option remains unchecked.

But it’s the most honest. If you hesitate in the program, you have a possibility to get your money back on a definite stage. Just because such programs work for long, and they usually manage to pay a bigger part of principles before going to run. If this option is present in the agreement, you should try to test it – it is important to unmask the folks if it is possible.

Well, I’ve already told that very few programs risk offering such variant. There are two reasons for it. The first one is that such option demands definite technical options. This program must develop an original script. And, of course, economical aspect is also important, it is necessary to count the possibility to withdraw investors’ money. This is not easy for every program. So, the programs that want to act seriously and that want to work in “quality market”, have the third alternative – in my opinion, it’s the most universal and profitable.

This is the variant of purchasing the values. We may remember Forex Union, InvestFreak among the most relevant programs. PrivateOpps , which disappeared recently, had the same scheme. The issue is clear. You don’t just invest money, you purchase some “shares”, points, units. You receive some interests for each issue you purchased.

It’s simple. These shares obtain a RELATIVE costs after your purchase. It depends upon some home market. In principle, it is possible that you cannot sell these shares somewhere, but most often you can, because you are not supposed to get much benefit, receiving 1% a day. But it happens that the term of use of your shares is over as soon as you receive your interests, and they are just zeroed.

A variant of creating a home market, where investors may sell these values to each other, looks more attractive and interesting. The price is relative as well. In this case you may make profit not only on interests, but also on increase of the price of definite shares. it looks very attractive, but it’s deceptive. So you need to be careful and double check the terms.

We cannot cover all perspectives , so we won’t even try, and we haven’t got enough space for it. But usually the list of terms is quite long, and lack of attention may cost you much. At first, pay attention to what you can do with these shares. Once their cost is determined by the program, don’t think that you’re far from control and scam. They are the same, and they are more complicated, if the terms of the program are clear and detailed.

This is all what we wanted to tell you about return of your money. If you have something to add, we will appreciate your updates. But we suppose that these three key elements include the widest circle of programs and you will are informed now. 😉

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