#1. You do have an anti-virus program running…don’t you?

If you don’t…get one now. If you don’t want to spend the money on one check out these free options

• AVG Anti-Virus
• Microsoft Security Essentials

Both are great free options if you aren’t running a premium purchased anti-virus. I believe the Microsoft one requires a valid, licensed Windows OS to be running on the computer to work. Now you don’t have an excuse for not running an anti-virus program.

#2. Running an anti-virus program is NOT enough.

Ok, so you have an anti-virus program running now. That’s great, but if you think that because you have an up-to-date anti-virus program running on your computer, you’re safe…I’m sorry, but you’re wrong. Keeping an up-to-date anti-virus program running on your computer is one step in protecting yourself, but it’s unfortunately just not enough to keep your computer clean.

• Ad-Aware
• Spybot S&D

Both Ad-Aware and Spybot S&D are programs that scan your computer for malware, malicious cookies, and other files that your anti-virus program may have missed. Both also have active-scans that notify you if something is trying to access your computer in a strange way, or if a file is doing things it shouldn’t be doing. So, if before you had only an anti-virus program running, you now have an anti-virus AND two other programs protecting you.

#3. Have Strong Passwords

Here’s one you really need to do. Use strong passwords. A strong password is at least 7 characters in length (I recommend 14) and uses both alpha and numeric characters AND uses symbols AND has alpha characters in both uppercase and lowercase. If you don’t understand or don’t want to come up with them yourself go here:

• Strong Password Generator

Some HYIPs and other websites don’t allow you to use symbols in the passwords (you’ll just have to test to see if they do as most don’t tell you), so there’s an option to turn them off in the above generator. Oh and since we’re talking about passwords:

#4. NEVER use the same password twice

ALWAYS use unique passwords for every site you register to. I know, I’m going to hear: “But I can’t remember that many passwords.” Here’s my advice: Quit being lazy. I’m giving you these tips because I was lazy and had my money stolen. Do you want to lose all your money? No? Then just do it and don’t complain. If you can’t remember all of your passwords write them down somewhere and keep them with you or put them away somewhere safe.

NEVER save your passwords to your computer. If you keep your passwords on a file on your computer or a USB drive you’re just handing them over to the scammer/hacker asking for them to steal your money. You may as well just send your money to some random account, or withdraw it and throw it out the window of your car as you drive to work.

#5. NEVER use your real information

This is one I bet more than a couple of you do wrong. Never use real information when registering to a HYIP. ALWAYS use made-up information. I put my first name Tony in as everyone knows it anyway, but other than that I keep my anonymity. My address is “123 address,” state is “state,” zip code is “00000,” I live in whatever country I have a fancy for that day. My phone number is always “0000000000” I’ll add dashes if I have to.

Why you ask? Because you never know what a HYIP admin is going to do with your information, plus it’s just putting your personal information out there, making it that much easier for someone to commit identity theft and steal your money.

#6. Use a separate email account for HYIPs

That’s right, create a completely different email account to register to HYIPs with and only use it for registering to HYIPs. Never link this email account to any payment processor or bank account. In fact, don’t put this email account anywhere. Use it 100% only for registering with HYIPs. Oh and don’t have it be one of your internet service provider accounts or one of your website’s domain emails. Keep completely anonymous and set it up through a free email provider that doesn’t require you to verify any information.

Keeping anonymity will save you hassles in the long run. It won’t keep you from being able to be tracked (if some authority had the inclination), but it will eliminate the possibility of some HYIP admin misusing your information or stealing your identity.

#7. Change your passwords frequently

Another step about passwords? Are you getting the picture about how important they are yet? I recommend changing your passwords weekly, but at least do it every month. Take the time once a week while you’re logging into every account to change your passwords. This makes it so even if a hacker/scammer does end up accessing your information, it will hopefully change before damage can be done.

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I’m sure you’ve seen programs claim they have DDoS Protection and I’ve mentioned it in my program reviews, but haven’t really explained what it means. DDoS Protection is a security measure put in place by a program’s host, or at times a third-party company to protect the website against distributed denial-of-service or DDoS attacks.

A DDoS attack is an intentional attempt to make a targeted website unavailable to visitors. The purpose is to halt the targeted website’s operation and services, and shutdown the system entirely. This is accomplished by sending dramatically increased traffic to the targeted website, slowing the server to a point where it refuses new connections until the server crashes causing the website to go down.

DDoS attacks are accomplished by infecting unprotected computers on the internet with malware or trojan viruses. After these “zombie” computers are infected the malicious programs usually sit idle on the host computer until triggered by the master computer run by the person performing the DDoS attack. At the time of the attack the “zombie” computers with malicious programs all send communication requests to the target of the DDoS attack until the target’s host server crashes. Often there are thousands of infected “zombie” computers across the world that simultaneously attack targeted computers, resulting in slowed response time, overload and eventual crashing of the target’s server. Below is a simple graphic showing a visual representation of an attack.

You may be asking how you can prevent DDoS attacks from happening. The first thing you can do is make sure that your computer is not a “zombie.” While protecting your personal computer ultimately does little to prevent DDoS attacks, if everyone would protect their computer this sort of attack would be impossible. Small steps can make a huge difference over time. Plus, who knows what other nasty features the malicious software on your computer could have that could put your personal information at risk. Always have an active, updated antivirus program running on your computer and do frequent scans for spyware, malware and viruses.

• AVG Anti-Virus
• Microsoft Security Essentials
• Ad-Aware
• Spybot S&D

I recommend running either AVG Anti-Virus or Microsoft Security Essentials along with Ad-Aware and Spybot S&D on your computer. Utilizing multiple antivirus and spyware removal programs will reduce the chance of having your computer compromised and some of the programs pick-up items left behind by the others. However, if you have a website, or are a HYIP admin looking for hosting for your program, it is essential to take further steps. One of the red flags in my reviews for HYIP programs is whether or not the admin has taken the time to acquire and set-up adequate security for their program.

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As the world watched the TV in the early hours of Friday morning, we saw the catastrophic damage in Sendai Japan. This instantly reminded me of the Great Hanshin Quake that shocked Kobe in January of 1995. I clearly recall the movement in currency that took place over the next few months.

When natural disasters strike, there is a definable impact on financial markets because they force reactions from investors and governments.

Most will immediately focus their analysis on the Japanese Markets in light of this current and expanding crisis, but the repercussions are global as Japanese supply chains strangle production processes all over the U.S. and Europe and as Japanese consumers stop spending on non-essentials like European fashion. More importantly, how does this 9.0 quake in Japan and the resulting tsunami shake up and wash over Americas Treasury market?

Lets consider …

Japan is getting ready to embark on one of the largest rebuilding efforts it has seen since the end of World War II. The country is going to have to replaceeverything from bridges and roads to seaports, airports and runways, highways, train tracks, shopping centers, housing, power stations, schools, utility and cell phone towers, hospitals, production plants, parking garages, post offices, whole communities the list would take pages to print out.

This undertaking is going to cost tens, actually, more like hundreds of billions of U.S. dollars to complete.

Because Japan is one of the worlds wealthiest nations, it is very fortunate. Plus, the citizenry is extremely patriotic. This means Japan has the necessary wealth to accomplish the task Mother Nature has forced upon this island nation, and it has a citizenship willing to sacrifice its own savings to rebuild Sendai, Minami-sanriku, Fukushima and the others.

Japan now has a singular focus. Japan now has little interest in playing in U.S. Treasury and equity markets because of this domestic emergency.

As Japans government, companies and citizens raise cash to fund the rebuilding, it seems extremely likely that Japan will sell off U.S. debt and U.S. equities.

That will cause profound effects in America.

If Japan moves away from the Treasury Market
…Then What?

Japan is the 2nd largest holder of U.S. debt in the world. It is estimated that Japan owns $3 trillion of U.S. securities, both stocks and bonds and $886 billion of U.S. Treasuries. Over the last year Japan has bought an average of $10 billion worth of Treasuries each month.

It is not easy to replace the second-largest consumer of bonds, notes and Treasury bills. Not many countries have deep enough pockets to step in with that kind of financial capability.

China already owns more U.S. debt than it needs or wants. In fact, China has been reducing the amount of U.S. debt it consumes and has focused on putting its cash into other currencies and gold out of a sense of financial caution. There are some Middle East nations that could pick up some excess. The problem is they have their own uprisings to quiet. They are throwing mountains of cash at protestors to overturn the dissent and at security personnel to quiet the protestors.

The U.S. Will Have Little Choice But to
Raise Interest Rates

Most likely, Japan will all but disappear from the Treasury market. China and a few others will take up some of the slack. The Fed, which is supposed to end its QE II campaign in June, will most likely extend the balance of its $600 billion buying program over several more months.

The willpower doesnt seem to exist in Washington for the Fed to increase the size of QE II, and that means there will be some serious shortfall. And shortfalls are not a good thing for the U.S. government. The U.S. government has a certain amount of debt it must sell every month to fund all of its bloated spending commitments.

With a world that is already overstuffed with American Dollars, there is only one way to bring buyers to the table and that is with Higher yields.

With this in mind, we can see that the Great Sendai Quake will cause after-shocks that ripple some 6,600 miles away in Washington, DC, where the Treasury Department will have to pay more to access the money it needs to fund Americas overgrown spending demands.

That is going to make it much more expensive for America to fund its obligations.

We have no idea what the consequence of that will ultimately be. Congress could agree to QE III! The Fed cant cut rates any lower, so rising interest rates here could only be mildly inflationary. Congress could be more open to to raising tax rates.

But what about stocks? Japan owns more than $1 trillion in U.S. stocks. This is equal to about 6% of the total value of the New York Stock Exchange. If Japan sells off any sizable amount of their holdings, that will clearly put downward pressure on American equities.

Let History be Our Guide…

These arent just random considerations. What Im laying out here has precedent in the 1995 Kobe quake. Times are slightly different, yes. Japan and America are in far worse shape financially. Interest rate cycles are at a different point. But one fact – the only fact that matters – remains identical: Japan has a national crisis that it must address.

In 95, the Japanese repatriated mountains of cash to pay for the rebuilding effort. As a result, the Japanese yen surged in value, rising about 25% against the dollar between January and April 1995. Meanwhile, Japans stock market sank about 20% during the same period as retail and institutional investors pulled out of stocks to repair damage to their own lives or to buy Japanese bonds to help the government repair Kobe.

And now, its happening again in the wake of the Sendai quake. Japanese stocks are tanking and the yen is rising against global currencies. Partly this is a reflection of fear and panic related to a potential nuclear mishap and the governments warning that nuclear fallout remains a real risk.

But part of it also reflects a country, citizens and government alike, raising cash for the spending needs they clearly see as critical. Insurers are bringing yen home and selling securities globally because they know a flood of claims is coming.

For investors, these moments offer risks and rewards.

The risks: Being short the Japanese yen and long most of the Japanese stock market, at least in the short run. Over the next few months, the yen will continue to strengthen as the repatriation effort goes on, and stocks will suffer as the sell off continues. Worse, the risk of nuclear tragedy is so pronounced in the investor mindset right now that any substantive release of radiation will cause another down leg in Japanese stocks and another upsurge in the yen, which has become a safe-haven currency of sorts.

So, avoid being short the yen at the moment. And avoid the temptation to buy Japanese shares on the cheap.

Also, dont play in U.S. Treasuries. They are strengthening at the moment on the fear trade, but, if Japan does leave the market, Treasury yields will nudge higher – and Treasury prices will fall. A safer bet is simply to park your idle cash in a money-market account since they are the first to react to any rise in interest rates or better still to purchase currencies on the short term that will outperform your current holdings.

The opportunities: are the exact opposite of the risks. The Japanese economy is fundamentally flawed and the yen is ultimately a reflection of that. Plus, the government is throwing the equivalent of billions of U.S. dollars into a stabilization effort, and that will work over time to push the yen substantially lower.

The weakening yen, in turn, will benefit Japans exporters, who historically fare well when the yen is falling.

So, if you see the yen break below 80 to the dollar and move well into the 70s, it will be time to reverse course and short the yen again. And it will be time to buy the exporters – companies like Honda, Takeda Pharmaceuticals, Komatsu, and Canon.

Just look back at Kobe. After the brief period of yen strength/stock weakness, the trend reversed. The yen plunged and Japanese stocks gained 50% the following 12 months.

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Nations around the world are now dealing with food riots and anarchy.

Both the U.S. created inflation as well as the weather are leading to an explosion in prices and civil discord. Corn prices have grown by more than 90%. Soybeans have increased more than 55% and Wheat prices have doubled in less than seven months. The fear of inflation is not to be dismissed. It most certainly will cause oil prices to soar even higher than what will be caused by the turmoil in the Middle East.

This reminds me have you created for yourselves a food storage program? This is by all means a critical warning at this stage. Now that the U.S. and other currencies are in a severe depreciation (inflation), you/we can even store food profitably by buying it ahead of inflation.

We have deliberated the disintegration of money in Weimar Germany. There was an overwhelming scarcity of food. With the extreme cost to produce and deliver goods the stores were simply empty. This same potential exists in America, followed by the danger of all-out food riots.

We are about to see the end times of fiat paper money which accelerates the bias toward inflation, i.e., printing large amounts of paper money. When you consider these facts and add the manipulation in the governments measure of inflation by numerous discredits and the failure to include considerations for food, energy and housing, it is absolutely blatant deception!

The unavoidable end result will be an unprecedented global crisis never before seen. Massive sovereign bankruptcies, food riots and general chaos are the end result of trying to foment growth by inflation (printing money) and it will all end in decades of tears.

Also, it is time and past time to diversify out of the U.S. dollar. You must begin now!

Profitability is no longer the primary consideration. The primary consideration is now SURVIVAL!

We are past reality! The average individual is led to believe that the powers-that-be have a plan and can overcome the monolithic crisis. They believe the U.S. monetary invincibility and a sense of intellectual superiority against all the warning signals to the contrary.

We can clearly see that in THIS year of 2011 politicians and governments will continue to try to deter the inevitable and rescue the unsalvageable with high-speed, high-octane, worthless, inflation increasing, created-from-nothing money. And you better be prepared!

This will be the crunch year for survival of the system. Diversifying outside the U.S. dollar and obtaining precious metals and commodities will be the only saving grace.

Meanwhile, as we head into the final hours, alternative currencies, precious metals and commodity producers (food, oil, iron ore, and other base metals) will all benefit from money printing.

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I’m willing to bet that you’ve been told before, but I’m going to say it again– Research before you invest in anything. Doing a small amount of research before any investment will save you money in the long run and can save you a lot of heartache. This is especially true with high-yield investment programs.

I am going to accumulate some good techniques and information that should really help new investors, and I hope will provide at least a bit of new information for the veterans out there.

So, lets say you have found a program that you want to invest in. Before you jump in and send your hard-earned money I suggest you dig in and try to figure out everything you can about the investment. Unfortunately, there are a lot of scam investments out there that you need to avoid. The question is how do you determine which investments have potential to make money and which ones are just out to steal your money? Where do you start?

The best place to start is by doing a thorough search of the investment web site. First check out the main page for any information the site gives about the company. After reading everything the on the main page you should check out the FAQ and/or the About Us sections.

Many scam HYIP sites have a generic “copy & paste” FAQ section. Most have typos and may even reference an investment plan name that is NOT the name of the HYIP. This is a clear indication that the HYIP is not a safe site to invest money into and is 99.9% likely to be a scam.

After checking the FAQ/About Us section you should check out each of the other pages to determine if there are any inconsistencies you can find. My rule of thumb is if there are blatant errors in the English language or inaccurate information, don’t invest.

After checking out the program’s website the first tool you should utilize in your research is the Whois search.

#1.) Do a Whois search on the investment program’s domain.

I recommend using DomainTools to perform your search. This site has all sorts of searches and tools, however for our purposes we’ll be using it to perform a Whois search and to ping for an IP address. More about pinging in my next research article.

Type in the domain name, and click search. As an example I’ll go step-by-step and check out www.cnn.com.

Registrant:
Turner Broadcasting System, Inc.
Domain Name Manager
One CNN Center 13N
Atlanta, GA 30303
US
Email: 

Registrar Name….: CORPORATE DOMAINS, INC.
Registrar Whois…: whois.corporatedomains.com
Registrar Homepage: www.cscprotectsbrands.com

Domain Name: cnn.com

Created on…………..: Wed, Sep 22, 1993
Expires on…………..: Fri, Sep 21, 2018
Record last updated on..: Thu, Nov 18, 2010

Administrative Contact:
Turner Broadcasting System, Inc.
Domain Name Manager
One CNN Center 13N
Atlanta, GA 30303
US
Phone: +1.4048275000
Email: 

Technical Contact:
Turner Broadcasting System, Inc.
TBS Server Operations
One CNN Center 13N
Atlanta, GA 30303
US
Phone: +1.4048275000
Email: 

DNS Servers:

ns5.timewarner.net
ns3.timewarner.net
ns1.timewarner.ne

Now, you’ll notice the Whois search doesn’t tell you a whole lot.

For an example of a site without privacy protection here’s a look at DomainTools.com’s Whois results:

As you can see, not everyone’s Whois results info will look the same, but if they’re unprotected they’ll tell you the:

• Registrant’s name
• Email address
• Physical mailing address
• Phone Number

Unless you are lucky and the investment program doesn’t have privacy protection, this search really only provides you with a couple useful tid-bits of information:

1. it lets you know who the domain is registered with. As you can see in the above Whois, cnn.com is registered with Turner Broadcasting
2. it gives you the name of the privacy protection company.
3. sometimes it gives you the domain’s creation and expiration dates.
4. it lists the URL of the name servers the site is hosted under.

In the example of www.cnn.com the company providing privacy protection is WhoisGuard. You may wonder why this is useful information, and in most cases it isn’t. However, if I lost a large sum of money investing in a program and was trying to get it back I might try contacting the privacy company. Who knows, the person behind the phone may mess up and give you information if you’re persuasive enough.

Anyway, the expiration date is a useful bit of information to have if it’s provided.

If the domain’s registered for more than one year it is an indication that the program may be around for some time. If it’s only for one year or the Whois search doesn’t display an expiration date, you may want to be wary about reinvesting multiple times in the program or even investing at all.

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PAMM – account (engl. A percent allocation management module, or PAMM, which may also be referred to as percent allocation money management, describes a software application used predominantly by foreign exchange market brokers to allow their clients to attach money to a specific trader managing one or more accounts appointed on the basis of a limited power of attorney)

The general scheme of interaction: control (trader) – PAMM – account (for which there is a definite PAMM-ground) – the investor. The essence of the whole scheme add up to one thing: you (investor), register on one of the PAMM-platform (a specialized service, the intermediary between the trader and investor), choose PAMM-account you like (using the performance rating and manager’s trading statistics) and throw there the desired amount of investment. This completes your job and from now the process leads by manager. The task is to trade in financial and currency markets with the assistance of your capital and capital of other investors. All profit extracted from the transaction shall be distributed between two sides. In general, the distribution is made in accordance with 50-50, anyway there are deviations from the rules that are specified in the offer – an agreement on terms of cooperation signed between the trader and investor. Also, there is indicated and the trading interval (usually 1 month), upon the expiration of which “sharing” take place. You can immediately withdraw the earned interest, or reinvest, for example, into other more profitable in your opinion accounts. By the way, if there is a drawdown (trader goes to minuses), the losses are borne by both parties, in proportion to their investments. In this case, the trader have no a profit (the position of monetary reward), until he restore the original balance.

Not be amiss to say that the investor may always withdraw his deposits. That is to say, disappointed in one or another trader, you can quickly break the unprofitable cooperation and if it is not too late – to transfer the remaining amount to more lucrative account. Anyway, no one will let you to “cheat” the trader simply because nobody else will, for this service owed the commission, the amount of the penalty for withdrawal specified in advance in the offer. To clarify the situation, here are the main advantages and disadvantages of working with the PAMM-accounts:

Advantages:

• The possibility to get an income even without any experience and special knowledge. The management of capital goes into safe hands of experienced traders.

• The manager also participates in forming a collective capital of PAMM account and that means he is personally interested in an effective commercial activity. As a rule, the higher deposit of the trader, the higher is trust towards his level of competence.

• The investor’s funds are kept on his trading account, the manager manages only a borrowed capital and can not take funds from the PAMM account. All operations with the trading account are available only to its owner.

• The investor has the right at any time to withdraw funds from the PAMM-account or vise versa to enlarge volume of investments.

• Distribution of profits is made in the automatic way, eliminating the risks associated with the human factor.

• Manager’s activity is transparent for all investors. You can spectate deals in real time by browsing the history of operations etc.

• Investor is also managed to invest money in various PAMM accounts, thereby reducing risks and enlarging his own abilities.

Disadvantages:

• Full dependence upon the manager (the absents of rights and possibilities to enter the trading process in order to correct or influence on financial results)

• Hard to find a trader. Rankings and public “stat” that is only the tip of the iceberg, you need to learn how to define experienced and effective traders.

• The absents of trader’s responsibility for the losses of investor’s money.

• Sharing the profit is not always beneficial for the investor. If dueto the old form of Control (asset management) standard aspect ratios have been considered: 30/70% (trader / investor), then, as for today they are familiar to 50×50.

• The growth of risk “drain” (complete loss) of the deposit. This kind of threat appears in the process of rapid increase of an investment capital on the account. In other words the next thing happens: profitable account / trader attracts a large number of investors and accordingly of investments and so the initial capital and the trader gradually begins to lose its value for him. Even if the manager loses, he loses 50% from his miserable sum, but if he profits, then the 50% from the general “dump” of deposits in ten times cover potential losses. Back to the roots of Control – trader actually trades only other people’s money, but already with 50% of reward, more frequent losses or total loss of deposit cease to be a serious danger for him.

Well, in the end, sure thing I can’t miss the most exciting issue, which is income. How much will I actually be earning on PAMM? I must disappoint you, no one will say you the exact amount, even the trader is unable to establish at least the minimum percentage limit. But after visiting numerous forums and thematic blogs I more or less came to an unambiguous interval of 6-10% per month. That is what about the traders, who pursue a conservative policy. Such managers will provide a slow, but the most stable growth of capital. Followers of aggressive trade may make up to 20% per month and more. But the risk of capital loss, unfortunately grows proportionally to opportunities to receive such revenue. Here, like in HYIPs pops up the question of diversification that can balance the opportunities and risks, but more on that later. Don’t forget about the possible drawdowns, even the most profitable co-operation we can not imagine without them. Under favorable conditions and the correct specific trader your annual income could easily reach $ 80-100%. Of course, this is not HYIPs, where such amounts can be acquired for a few days. PAMM – it is much more stable, calculated on a fhonest large investment, direction. There is an opportunity to invest also a small amounts (in some cases – up to $ 1), but under such percentage it is simply makes no sense. PAMM – this is an absolute alternative to the bank, where the annual percentage of time just cover the inflation. The Pamm needs a personal approach and then the results will not keep you waiting.

As an example, I will show you a rating accounts / traders with one of the PAMM-sites. In the list, of course, only the top managers with the most impressive performance. Do not forget that in the column “yield” indicates the total profit of the investor and manager! Terms of distribution specified in the individual offer for each trader.

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Getting started in investing in HYIP’s is quite easy and much easier than most other investment vehicles. Not to mentions that the rewards can be extremely beneficial, but remember along with the increased rewards become more risk, and you should only invest money that you can afford to lose under the worse conditions.

Always remember that High reward – High risk investments should only be funded with extra funds. Ask yourself the following question: if I were to lose this money, would it dramatically affect my living style. If the answer is yes, then you should not invest in a high reward – high risk investment vehicle.

Please do not get me wrong. HYIP’s can provide you with a much greater Return on Investment than any other vehicle that I am aware of, and the risk is not that great if you do a little due diligence and stay involved in the community of HYIP’s by visiting the forums and monitoring sites on a regular basis looking for warnings of failure, so you can withdrawal your funds before it is too late.

Once you have done your due diligence, and have decided which HYIP’s you want to invest in,

First; you need to find out what e-currency funds the HYIP will accept.

Second: Setup your e-currency accounts by registering at each site for free. Receiving and sending payments online are done through e-currencies. E-Currencies are the same as real money, and it can be traded online only. In order to use e-currency accounts, you need to create a FREE online account. Then you can add funds to your e-currency account via bank transfer or credit card. Then you can conduct all sorts of money transactions online utilizing your e-currency accounts. Some examples of e-currency accounts are Liberty Reserve, paypal, and stormpay etc.

Third: Determine your diversification percentages of your investment amount. I advise to diversify your funds between 2-5 HYIPs as a money management strategy. The more you have to invest, the more diversification is recommended.

Fourth: Fund your e-currency accounts by bank wire or credit card according to the HYIP’s you intend to invest in. Don’t worry, most of the funding processes are pretty intuitive and all you have to do is read the instructions in most cases.

Fourth: Join your chosen HYIP’s. Follow the instructions and make deposit from your e-currency accounts.

Fifth: Sit back and Receive payments (automatic/manual) to the same e-currency account.

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In one of our former issues we wrote of different types of pyramids, MLM and Ponzi in particular, besides we analyzed the correlation of short-term and long-term programs. However, now we`d like to supplement the conclusions with the final chord, devoting all the article to “long-term” programs, explaining the principles of their work, and the main thing is how to define them.

“Defining” is certainly rather doubtful statement, the more so as not all the programs can be exclusively referred to this or that type. Everything is very doubtful and unreliable, to rely upon with 100% confidence, though investor working experience and feeling can show who is who and You really can rely upon it.

First of all let`s decide what programs can claim to be called long-term ones, on the simple reason – the payback time won`t be earlier. Pyramids – is the first thing that comes to mind, and it`s absolutely right. Pyramids, by definition, are high yield programs with the long age.

Of course we are talking about right, competent pyramids, not about using this principle with the purpose of fast enrichment. Nothing prevents You from immediate losing, though these are exceptional cases; so – here are the basic distinctions.

The first one – the terms declared by programs. The programs, counting upon short-term are originally striving for investing maximum money from the part of investors for the maximum term. That`s the main term. They just can`t stay longer and intensify their work, just like a snowball.

200% per 2 weeks, some sort of plans, saying the terms “week”, “day” etc. (that is the boundary term You can withdraw the money) are the character features of short-term programs. And the site, of course. Their site can`t be good. Either the engine is free, or it`s the clone of any other site.

Of course, one can earn here as well… but we`ll speak about this in our article about short-term programs. Though You should remember, the interest offered is insane. Is it worth investing?

The terms offered in pyramids are more prolonged. Here we are not talking about pure scam. Different investors work different, and these programs are really aimed at more qualitative work (to be exact – more qualitative build-up of a pyramid). That`s why look – a month or two mean something.

You can find this information not only in plans. If they have been working for a month already, though they are having good potential, being a definite pyramid, You can try it. If the term allows taking a risk – try it. If everything is good, in a month already You will be able to recompense Your deposit, getting solid per cent. Besides, You can get additional bonuses from referrals.

Of course one more important thing is… the site. Yes. The site in the Internet is like an office, the face of a program. Pay attention to its quality, design, the way their content is organized, what technologies are in use. One more thing of no small importance, we were not mentioning yet, is… banal SECURITY.

Serious program takes care of this, cause modern technologies allow not just blocking the work of the site, but also… stealing money, and destroying anything violator wants. The site, designed manually, bought, is a claim for SECURITY.

That`s why, taking into account the fact whether the site is designed manually or You received it for free, You can not just rate the “paying capacity” of a program, You also rate the way, authorities can keep Your money. And…; can they do it at all.

Pay attention to entering passwords, to the connection with the site. Of course, the best variant is a private program, or the one, working through the system of offers, though it can just be nominal means to control popularity.

And low percent of course. Programs that are going to work for a long time (pyramids in particular) don`t declare any kind of high interest rate in their offers because they have nowhere to “run”, and if the business is real – then double income means double danger.

If everything is OK, but You understand – these guys are not working on the market, You deal with a long-term pyramid. It`s possible to earn with them – go ahead! The main thing – as You already know – is to be as much watchful as it`s possible.
Good luck!

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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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