programs for real? Are HYIPs just alot of hype? Or are they something worse than hype, like a money scam? The answer is, the jury is still out on HYIP. Countless people claim that they have received everything that the HYIP they used promised. Others have claimed early success with HYIP, but then have later been scammed out of future investment as they invested greater funds due to early success. Presented on this webpage, are two HYIP articles, one presenting success with HYIP, and one presenting the potential negative side of high yield interest programs. The pro HYIP article is just below, and the con HYIP article is just further down the page, immediately following. Whether you decide HYIP can be a legitimate investment or not, always remember that, as with any other types of investment programs, some may be good, some may be bad, and some may even be downright dangerous.
HYIP or High Yield Investment Programs
from www.newbiehangout.com
author unknown
This is something I never imagined that I would get involved in. I've come to live by the rule "If it sounds too good to be true, it probably is." Yeah, I'm a skeptic ;o) But, I'm glad I went with these, especially after my first HYIP experience with ForeignFund, which after exciting me beyond belief with the profit I was making .... simply disappeared from the members .... but continued to take in new money and clients. You can read about my ForeignFund Experience (and see what this page USED to look like) by visiting here. I also try to keep the page updated with the litigation process .... and if you were scammed by them you can get the contact information necessary to add yourself to the claim against them.
HYIP, or High Yield Investment Programs are exactly as the title implies. There is also a level of risk involved with them, so I've always been hesitant and chose not to get involved.
If you've ever been interested in the financial world ... in stocks and bonds or investments ... but you didn't have the time, knowledge or resources to pursue it .. then this may be just the thing for you.
The safe way to play it is to get your initial investment out as quickly as possible and then just keep investing (and compounding) your profits. For example .. my initial investment with EZInvestor was $50.00 and it matured at 4x in 30 days .. netting me $200.00. I took out my 50 and reinvested the $150.00 profit, which matures at $600.00 (4x) in 30 days. From this point forward, I use only the gained interest to invest .. every term it just keeps growing, without risking anything except what I gained. And I always take out a few "me dollars" when reinvesting the interest ... so no matter what happens, I've already gained more than I put in. Rule number one: Never invest more than you can afford to lose.
Also ... for most investments, you'll need an e-gold account. E-gold accounts are free and based on GOLD. You can get a free e-gold account here: Sign up for a Free E-Gold Account
The programs below ... I'm going to make an effort to list them in the level of risk (I'm not an expert ... I'm basing it soley on my experience with them). The higher the payout the higher the risk. I will state that as of this moment ... every single program listed here has paid me on time, every time. Will they continue to pay? That remains to be seen.
I'm blown away by Fast Market and am highly recommending them as the start of your HYIP portfolio and investment. They take away ALL risk by giving you $50 to start earning immediately. You don't ever have to use any of your own money. Of course, you'll make more money if you do .... but you can actually just keep reinvesting the interest earned from the first $50 signup bonus.
Fast Market
Get a FREE $50 Join Bonus!! Use your free $50 to start your investment portfolio and earn immediately. This is a HOT program and the non-compounding accounts pay out daily. Compounding gives you a choice of withdrawing after 30 days or "rolling it over" aka, reinvesting. Payment is like clockwork with them. No surprises ... always on time. Pays 1 - 3 percent daily. Simply choose compounding, non-compounding or both and watch it grow!
The website uses cookies, so make sure you have cookies enabled in your browser when visiting. You should see "invited by B2Phat" in the upper right corner after entering the site. If you DON'T see that and choose to sign up anyway, you will have to wait anywhere from 2 - 3 weeks for your invitation. Visitors who have invitations (have cookies enabled and use a referral code_ are signed up and activated immediately. So if you don't want to wait, make sure that you see a "referred by" message before hitting "sign up".
Ready? Sign up for Fast Market now!
SolidInvestment
SolidInvestment is a legal, Belize company that has established itself, by far, as one of the most reputable and longest living HYIP's. SolidInvestment is a refreshing change compared to the majority of programs out there. SolidInvestment has a stable track record of profitable investments since 1998. Over 20,000 registered users can't all be wrong. If you're looking for a stable, long term investment program, I highly recommend SolidInvetment as part of a balanced portfolio. Investment minimum is only $10.00, advertised maximum is $20,000, however amounts over $20k can be negotiated for higher returns. Return rate is 1.3 - 3% daily ... COMPOUNDING available!! Withdraws can be made daily to your e-gold account.
Marketiva Forex Trading
Start trading Forex for as little as $1.00! National firm ... new so I can't tell you much ... except that I made $189.00 my very first paycheck with minimal effort. However, since it is new there is even more reason for you to be cautious and do your due dilligence.
Update: 8/18/05 -- This site is HOT! Forex Trading is much more popular than I had imagined and the tools that Marketiva makes available to traders are outstanding. You even have "virtual trading" accounts available for you to practice different strategies of trading before putting them to work for you on the live desks. This system is fast. Trades are done in real time. It's exciting and ... very profitable! If you contact me prior to joining I'll send you a special "coupon" to use when joining to extend your benefits. As always ... don't invest more than you can afford to lose.
Free Exchanges that Pay Interest while Advertising Your Site
Another way of getting in the "earn interest" game is with the wildly popular autosurf exchanges. These sites let you join for free, many give you a cash bonus for joining. Then you simply advertise your site by earning credits while viewing other member sites. The cash bonus you were given earns you a percentage, usually on a daily basis.
The paid autosurf programs have gained popularity beyond anyones expectations since coming on the scene about 18 months ago. So much so that there are now several "copycats" and "come and go" sites .... so like anything else ... know what you're getting into before joining. The reputable companies can gain you a significant amount of free advertising AND earn you a great supplemental income. Many people have gone into this full-force and earn a full-time income from this one stream alone. It's definitely possible .. just choose your companies wisely. For our list of the most popular programs Visit Here. Without going there, I'll tell you the the most stable and financially secure sites that have consistently paid me:
12DailyPro My own skepticism about this program cost me! I really wanted to find something "wrong" with the plan. I just "KNEW" that no company could offer 12% of anything for long. I was sure it was a scam. But .... I stuck it out and the company is extremely honest AND generous. Even during their "down time" they continued to pay members ... even though we weren't doing anything in return. The quality of traffic is very good as well, because only upgraded members can advertise their sites. They have an excellent plan that guarantees the influx of new money regularly. And their reputaton and payment history is EXCELLENT. Great opportunity. The "bonuses" aren't as great as with many companies, but the reality is that they are paying, and paying very well. I will gladly give up bonuses for a guaranteed 12% daily! And it looks like several people are making a full-time earning from this program. Read the testimonials ... or visit the forum. They do deliver what they say they will. Highly recomend you invest here.
Studio Traffic is one of the originals and by far the most popular. They'll even give you a free $10 signup bonus. Depending on whether you just stay at the free $10 member level or invest your own money, you can earn from $0.10 to $150.00 per day. They have a proven track record and continue to pay on time. Support and communication is awesome and they have a very active community forum with over 500 posts each and every day. The percentage (1 percent daily) is lower than many of the new programs, but you can't argue that it's probably the reason they're still paying while many others have already come and gone.
4Daily is having a HUGE celebration this month since they've now got over 100,000 members and are worth over 7 million dollars! Free $4 signup bonus. Depending on if you stay with just the free $4 level or invest your own money ... you will earn 4percent of it daily ... up to $400.00 a day. And they've proven it over and over again with many members and testimonials. They have a great track-record and continue to pay, on time, every month.
AussieEarners this is one of the longest living and most respected AutoSurf's out there. They've been consistently paying members 5% daily for quite some time now. All signs show that the site is only continuing to expand rather than losing. It's obvious with them that they truely have other business projects going that feed AussieEarners. So payments aren't dependent on new member signups to pay other members like so many of the schemes/scames these days. Definitely worth looking at. They give you a free $10 "surf pack" when you join for free.
Do your due dilligence before joining anything .... and then follow your own instincts. Mine told me to join ;o)
Each of the programs on here (with the exception of EZInvestor) was submitted by a reader and we joined under them. We'll join under you too .... If you know of any LEGITIMATE HYIP's ... one's where you've actually been able to withdraw your money .... please contact us with the info. We're looking for MINIMAL investment, hopefully with a FREE to join option. We do not want to pay in $$ until we see what they are about. If someone wants to buy us in .... our downline will be yours ;o) PLEASE ... do NOT send us brand new programs or Investment programs that have not paid you yet. And don't send investment programs that require a large, initial deposit. And ... ONLY honest, reputable programs, PLEASE!!
High-Yield Interest Programs, Bank Debentures
& Bank Debenture Trading Programs,
and Prime Banks Programs
from www.quatloos.com
author unknown
OPEN FORUM: Securities Fraud -- Due Diligence in Finance Stock and Bond Fraud, including Boiler Rooms / Pump and Dump Schemes, Mutual Fund & Hedge Fund Fraud, FOREX scams, plus Churning, Private Placements, Venture and Bridge Funding, IPOs, Viaticals Fraud, HYIP and Prime Bank scams, MTNs, Historical Notes, Recovery Schemes, etc.
This is one of the most common financial scams. The scam artists will a wild tale of fortune including some or all of the following.
The scam artists will spin a long line of hokey nonsense relating to the post-World War II Bretton Woods accords, “off-sheet” financing by the “Top 50” worldwide banks, and “guaranteed” or “risk-free” trading. They will tell you that they (or somebody they are working for) is “one of only five (or six, or seven, or eight – or whatever number they pull out of the air at that particular moment) traders in the world who are familiar with these types of trades and are capable of pulling them off.” They will tell you that these trades are done at the “$100M” level only, but that miraculously you can start off with a very small amount of money and margin yourself into a $100 million position. Alternatively, they tell you that you can get a bunch of friends together and “pool” the necessary funds.
They will also tell you that they or whoever they are working for has done these trades for fifteen or twenty years, and have secretly made hundreds of millions of dollars. They are allowing you to do these trades instead of doing them themselves because they have made enough money and want to help you benefit some church, charitable, or humanitarian purpose. They will tell you that there is “NO WAY” that you money can disappear, and that it will sit in your own bank account unmolested until your hundreds of millions arrive. They will tell you that you can make astronomical interest rates, such as 20% to 80% per week, and that exponentially your profits will skyrocket.
How the Scam Artists
Get Your Money
The scam artists prey on your lack of financial sophistication. If you money was truly “not at risk” there would be absolutely no reason to have to put it up. Yet, the scam artists come up with a bunch of bogus tales about “off-balance sheet financing” and other hooey that convinces you to do one of the following:
+ You deposit your money in an account with a “Prime Bank” such as Citibank (which doesn’t know the scam is being perpetrated). The scam artists forge a letter of credit which they then exercise and transfer your money offshore, never to be found.
+ You deposit your money in an account with a “Prime Bank” such as CreditSuisse (which doesn’t know the scam is being perpetrated). The scam artists didn’t tell you that the account is a “correspondent account” held in that bank for their own bogus bank that they formed, and they simply transfer your money offshore, never to be found.
+ The scam artists convince you to put your money in a safe deposit box. Later, they tell you that it is stupid to keep money in cash where it is not earning interest. Instead, they say they will get “the traders” to accept a “bond”, such as a Houston Railroad Bond or an Emperial Chinese Bond that earns astronomic rates of interest. Only much later do you discover that the bonds are completely worthless.
And so forth and so on. Once your money has been deposited in the bank, there are about a hundred different ways for the scam artists to get at it.
THE LIES MADE TO PERPETRATE THE SCAM
"A big lie is more plausible than the truth."
-- Ernest Hemingway
Complete Lie: "There is a secret banking system where the big banks make astronomical returns, and you can't participate unless you pool with others or place your money with someone who has an place in the system."
This is a COMPLETE LIE, and anyone who says this is a scam artist. We regularly work with the major offshore banks, and have any friends and acquaintances at these banks, and can tell you that they laugh at the allegation that there is a "secret" banking system which produces crazily high returns as the promoters of the bank debenture scam suggest.
COMPLETE LIE: "The U.S. government is covering up this secret banking system."
This is a COMPLETE LIE that the U.S. government is somehow covering up this phantom banking system. This is NOT TRUE and anyone who says this is a scam artist. First, as shown above, it doesn't exist. Second, trading in currency is tightly monitored by literally hundreds of private groups worldwide, and even a small trade would instantly be recognized by these private groups.
COMPLETE LIE: "The program uses International Chamber of Commerce Approved Forms."
The International Chamber of Commerce does NOT approve forms for these programs, and anyone who claims this is a scam artist. To the contrary, the International Chamber of Commerce has put out warnings that it has not approved any such forms, and that forgers are illegally making up such documents without either the knowledge or approval of the ICC. Other forgeries which have been found include forgeries of documents purporting to be from the U.S. Federal Reserve Bank (FRB), the U.S. Department of Treasury, the Bank of England, and even the Queen of England!
If you see anywhere in the scam artists' materials that they or their forms are "approved" by the ICC run! This is the baldest of lies.
COMPLETE LIE: "These securities do not need to be registered with the U.S. Securities & Exchange Commission or the State Securities Commission of the state wherein they are marketed or sold."
This is NOT TRUE and anyone who says this is a LIAR. To the contrary, when legitimate bank debentures are sold to the public, they are ALWAYS registered with the Securities Commission of the state wherein they are sold, and in most cases are also registered with the U.S. Securities & Exchange Commission. IF YOU CANNOT CALL YOUR STATE SECURITIES COMMISSIONER AND CONFIRM THAT THE DEBENTURES HAVE BEEN REGISTERED, IT IS ALMOST CERTAIN THAT THEY ARE BEING MARKETED AND SOLD ILLEGALLY.
Private Placement Lies: Many scam artists will pitch that their schemes are somehow exempt from regulation because they are a "private placement". The truth is that many states require private placements to be registered, and at any rate if the scheme raises over $2 million aggregate amongst the states (i.e., $2 million anywhere) it MUST registered with the Securities & Exchange Commission!!!!! So, if someone says that they have raised $20 million dollars but they are not registered, it ain't a legitimate deal.
COMPLETE LIE: "There is a major U.S. bank which guarantees these instruments."
This is NOT TRUE and anyone who says this is a LIAR. The scam artists will tell you that they cannot disclose the identity of the U.S. bank which guarantees the investment, or else will tell you the name of whichever bank they pull off the top of their head, but either tell you that you should not contact the bank directly, or they get one of their scam artist buddies to call you up and represent that they are a bank officer. No U.S. bank participates in these schemes, period, and many of them issue warnings to the public not to get involved in this scams.
A recent variation of this scam is for the scam artists to set up an offshore bank with a name which is very similar to an international bank, such as "Barclays International Bank" (which doesn't exist and plays off the Barclays name). These offshore banks never have any real assets or backing, and their guarantees are worthless.
COMPLETE LIE: "Others have made money with these programs."
Nobody except the scam artists have ever made money with these programs. A few people have gotten a small portion of their money back, usually for helping the scam artist scam somebody else, and that is it. We've seen hundreds of these scams the past year, but not a single person who could actually document that they made even a single penny over what they invested into it.
People who claim that they have made money on these programs always fall into one of two categories:
Ringers, being persons set up and in cahoots with the scam artists to claim that they have made money; and
Suckers, folks who have been scammed and are now going along with the scam artist on the condition that the scam artist will repay them a portion of their money lost for getting new suckers into these programs.
COMPLETE LIE: "These programs are back by or involved with the International Monetary Fund."
This is a total load of bull hockey (see Notice at right). The IMF has repeatedly warned about this scam.
So, if somebody claims that their investment has IMF involvement, you know it is a total lie.
