Invest Foria Ltd GB scam – A sad end to a promising HYIP?

I know many will still find it hard to believe that Invest Foria Ltd GB has scammed. InvestForia scam was not suppose to happen now, in just a little over 60 days of online operation, many are wont to say. But who can blame the investors, when the company held so much promise?

Invest Foria Ltd is a United Kingdom registered company which joined the HYIP world with a lot of promises. Flaunting their UK company registration number – 08060358, and suggesting to those who dare to confirm their credentials with Dun & Bradstreet, Invest Foria Ltd GB, like a confidence trickster, managed to lure many unsuspecting investors to their nest. In an unusual move, and as if doubting if those credentials will truly sway the investing public, InvestForia Limited also flaunted an identity assurance warranted up to $250,000 by Comodo.

Those driven purely by profit motive were assured a steady 2.8% daily profit for 60 days with principal returned at the end of the tenure. To buttress their point, InvestForia Ltd ensured almost instant payments of earnings through Liberty Reserve while the honeymoon period lasted. Such was the efficiency of their service,  that a gale of acceptance swept across the HYIP world in their favour, resulting of course in more funds sent their way.

To the unsuspecting investors, Invest Foria various compounding range of options was to enable them earn more profit, however, the as the turn of events revealed, Invest Foria Ltd GB was obviously more interested in trapping investors returns to maximise their profit when they scam.

The early sign of InvestForia potential scam was when they capitalised on the Solid Trust Pay service problems to deny investors on that payment processor their earnings. The signs became even more worrisome when the usually instant withdrawal through Liberty Reserve became hap-hazard, to the extent that some withdrawals on that payment platform were sent, while others were simply flagged as pending payment - a ploy  known as selective payment by HYIP veterans . The fact that InvestForia was approaching an end of its first 60 Days cycle when those issues surfaced made it all the more suspicious, that Invest Foria looked set to cut and run.

While members waited for their pending withdrawals to hit their payment processors, Invest Foria Ltd, in perhaps another brazen attempt to further inflate their coffers, sent their teeming investors the following convoluted mail:

Hello, dear members.

InvestForia reached 25000 investors few hours ago, to celebrate it we are adding 2 more plans for limited time only. New plans will be available only for few days or weeks. Deposits you cane make only trough Member area deposit page.

New Plan - 135%-150% after 5 days

Plan 1 $500.00 - unlimited 135.00%
Plan 2 $3500.00 - unlimited 150.00%

Please also check our high position in Alexa.com ranking, we are not the best and most popular investment program online.

Best Regards

Perhaps more intriguing is the HYIP Monitors' conspiracy in the scam. As at the time of writing this blog, some monitors still have InvestForia status as PAYING,  even as many investors roundly complained of not receiving payments from the UK based company as far back as 6-8 days earlier. The jury is still out whether those HYIPs monitors are in InvestForia payroll or not!

However, the pressing questions are: Is InvestForia Ltd GB indeed a UK registered company? Does the UK Law permits registered companies to source funds from investors, and cut and run? Of what value is the identity assurance issue to InvestForia by Comodo? Is Comodo in away complicit in bequeathing them this identity assurance? What options are left for those who lost money to InvestForia Ltd GB hype? Or should they simply move on and accept it as another HYIP scam? Or will InvestForia Ltd perform a volte face?

Thankfully (or hopefully), many HYIP investors keep the golden rule: Never Invest what you cannot afford to lose. It's high time though, NEVER trust any HYIP is added to this golden rule.

Related Topics:

Why do HYIPs Scam?
Can you recover lost HYIP fund?
Can HYIP investment be insured?
Learn winning strategies of HYIP
How do I cash out my HYIPs earning?
Should I compound my HYIP earnings?

Why do HYIPs Scam?

Observations has shown that the number of HYIPs scams is as high as the number of new HYIPs programs started daily. A conspiracy theorist point of view is that new HYIPs are created by the same administrators who have recently made away with investors money in a HYIP scam.

High Yield Investment Programs (HYIPs) therefore continues to be an euphemism for High Risk Investment Programs (HRIPs). The risk involved in HYIPs is so huge that very few ventures to invest in HYIPs. In some (if not most) cases, the HYIPs administrators set out deliberately to scam people by offering very mouth watering returns to attract substantial volume of deposits - huge and small. The intention being to accumulate, in very short time, enough funds from investors, and the bolt with it. The frequency and the increasingly shortening life span of most HYIPs is an indicator that they (administrators) are becoming more successful in their scams. It is hard these days to identify serious minded business inclined administrators, who will live up to the hype of their HYIP. It's gets harder by the day.


It is also important to note that some good HYIPs might develop technical or administrative challenges which might affect payments processing. Unfortunately, in a world (HYIP world) where delays are viewed with extreme suspicion, such delays are quickly taken as signs of trouble by anxious investors and monitors. The monitors react by downgrading the status of the HYIP, and this generally rings the death knell of the program. Administrators, of such problem program, especially those whose HYIP business is built on Ponzi system, are often quick to pull a plug on their program, taking with them whatever money investors have deposited at the material time. This is often the case when the problems have affected the volume and quality of new deposits they receive.

However, despite the frequency of rise and fall of HYIPs, JustBeenPaid, insist their program is sustainable, and have posed a million dollar challenge to whoever could find a mathematical flaw as to the unsustainability of their program. Can you?

While mathematicians and statisticians continue to worry their heads over this challenge, a few dollars invested in JustBeenPaid by me as part of this journey is apt. The search for the holy grail of HYIPs and other ways of making online money yet continues...

Related Topics:

High Interest HYIPs: Risks and Returns
HYIP Monitors Review?
Can you recover lost HYIP fund?
Can HYIP investment be insured?
Learn winning strategies of HYIP

HYIP Monitors Review

Every prospective HYIP investor and veteran HYIP players know very well the important of the HYIPs Monitors. HYIP Monitors are sites which offer to monitor the HYIP sites, and afford visitors and members the opportunity to report on the health status of the HYIPs they monitor.

HYIP monitors help investors, and would-be-HYIP investors to determine the status of a HYIP. It is usually, one of the first place a HYIP investor will visit before committing funds to a HYIP.To give an opinion on the status of a HYIP, most monitors use the following indicators:

1. PAYING
This is the status everyone HYIP investor loves to see. It means that the HYIP in question has recently paid investors. PAYING status also means that earnings from such HYIPs have been successfully withdrawn to the payment processors. Prospective investors (especially newbies) are well advised to stay away from HYIPs whose status is anything but PAYING. However, a strange and sad development in the HYIP industry is the speculation that some HYIPs manage to pay the monitors to indicate a PAYING status, while normal investors are not paid.


2. WAITING
A waiting status is often common with very new HYIPS. It shows that the monitors are waiting for confirmation of payment. The WAITING status  is often upgraded to PAYING if payment is confirmed, or problem if the WAITING persists beyond a certain threshold. 

3. PROBLEM
A HYIP Monitor use PROBLEM status to denote HYIP programs whose WAITING status has surpassed a certain threshold. Numerous complain of non receipt of payment can also lead to the downgrading of PAYING status to PROBLEM. PROBLEM status in most HYIP monitor is a harbinger of scam. A PROBLEM status should worry current investors, and warn off prospective ones. PROBLEM could also mean that a HYIP is having technical challenges with payment processors, it servers, or other challenges that affects prompt payment.

4. NOT PAYING
The dreaded NOT PAYING status is used to show that a HYIP has scammed it investors, and its administrators are probably somewhere in the Caribbean, popping champagne or sipping soda,  with investors fund, and possibly plotting another HYIP scam. Such is the unfortunate world of HYIP, where you could be scammed despite all effort to make the right choice. And in over 90% of the case, investors do lose money in HYIP.



5. SCAM
The NOT PAYING status and SCAM status are one and the same. It means the HYIP is gone, with investors funds!

Some of the HYIP monitors also indicate how long they have been monitoring a HYIP program. However, investors should know that "previous performance is not an assurance or future success." A malicious tendency among some HYIP is that even after scamming, some will still be running and taking deposit from unsuspecting investors.  This is very true in the HYIP world.

Hence a smart HYIP investor should always check the status of any HYIP before putting his hard earned money in any HYIP.  Above all, NEVER invest in any HYIP what you cannot afford to lose. Some of the HYIP monitors and their status for various HYIPS can be found here. NEVER invest in a HYIP without checking it's status on several monitors!


Related Topics:

Can HYIP investment be insured?
Learn winning strategies of HYIP
Learn how to invest in HYIPS
Learn how to spot a good HYIP
How do I cash out my HYIPs earning?

HYIP Fund Recovery Review

"How can you recover lost HYIP fund?" is one of the most pertinent question in the HYIP industry.

Let's face it, investing in HYIPs is not for the faint hearted. If there is ever one thing consistent about HYIPs, it is that all HYIPs obey Murphy's Law: If it can go wrong, it will! So eventually, the HYIPs you signed up for will go wrong, and scam. Everyone one loses money in HYIP, some a little, some all. The aim is to make more profit, than loss. Excellent HYIPs, fantastic HYIP, good HYIP, poor HYIPs, etc, will eventually come to naught, by hook or crook, by the fault of the administrators, or flaws of the program. It's only a matter of when!

When you get over the initial shock of losing your money to a HYIP, the rationale you will look for possibilities to recover your lost HYIP funds, especially if it's substantial in value. Your frantic search might bring you HYIP Fund Recoverer sites. Who are the recoverers of HYIP funds you may wish to ask, and how can they help?


HYIP Fund recoverers are sites which claims they can help recover money you lose in HYIPs. To do this, some of them will ask you to part with some funds, as engagement fees for the service. One popular HYIP Funds recovery site request for a service fee of $45 for this service with the promise to refund the money if they are unable to recover your lost funds. Some other HYIPs fund recovery sites ask you to purchase and install software which will aid you with the recovery. However, most of these offers and claims are false. Money lost in HYIPs is as good as gone. I doubt if those who know the HYIP administrator personally are even able to easily recover their lost fund.

As I write this blog, a HYIP mate of mine has engaged one of the recoveries to help him recover money lost to SafeForex. While I have seen the mails going to and fro my friend and the HYIP Fund recoverer for the past 3 weeks, I am yet hear him receive any recovered funds.

In my opinion the HYIP Fund are only out to gain from your loss. Paying money to HYIP revoverer, or sharing your Liberty Reserve security details with them, or installing software from some of the HYIP Fund Recoverer sites might spell double jeopardy. They are mostly scams if not all of them; never trust a HYIP Fund recoverer. That said if my friend confirms receipt of lost fund through the aid of the HYIP Recoverer, I will update my opinion of them. You will be among the first to know. But for now, rather than give $45 to this untrusted Fund recoverer, I rather stake it in another HYIP.


Related Topics:

Can HYIP investment be insured?
Learn winning strategies of HYIP
Learn how to invest in HYIPS
Learn how to spot a good HYIP
How do I cash out my HYIPs earning?
What is HYIP?

HYIP and Pareto's Principle: The 80/20 rule and Portfolio Diversification

So far in this journey, I have treated my HYIP adventure as a business. For a business to be successful, some ground rules are very important. We have looked at rules that enable you pick the right HYIP, and the ones that help you protect yourself from inevitable losses by taking your daily earnings. I also shared some lessons and proposed a few strategies.

In advancement of the strategy of spreading your risk by portfolio diversification, permit me to introduce a 20th century mathematician, Vilfredo Pareto. In 1906, Vilfredo Pareto suggested that 80% of Italy's wealth is held by 20% of the people. This postulation formed the focal point of the Pareto Principle - the 80/20 rule.

How does this apply to HYIP you may wonder? In the first case, I mentioned rules and strategy in business. And since HYIP is a form of business, an investment strategy for diversification is crucial in setting the foundation for your overall financial objective as you diversify your portfolio.

There are a number of ways 80/20 can apply to your HYIP investments strategy. For starters, it is a common practice among veteran HYIP investors to divide their total exposure into 80/20 percent. Since experience also reveals that the bulk of income from HYIP comes from the long term HYIPs, it then infers that 80% of your overall exposure should be invested in the long term HYIPs, while 20% should go to the short term ones.

When the long term HYIPs are identified, a variant of the Pareto principle suggests that not more than 20% of the 80% should be invested in a single long term HYIP. While not more than 20% of the remaining 20% should be invested in various short terms HYIPs.



For instance, let's say your total budget for your HYIP investment is pegged at $200. 80% of $200 equal $160. This $160 should be reserved for the long term investments, while the remaining $40 should be invested in the short term HYIPs.

Since not more than 20% of the $160 should be invested in a single HYIP, invariably then, each long term HYIP should not have more than $32 investment. This implies that the $160 should be split among 5 good long term HYIP (at $32 per HYIP). The same method should apply to short terms HYIPs you have identified out for investment. This means that the remaining $40 should be shared among 5 of such HYIPs.

This suggested framework is by no means rigid, as I understand that individual risk appetite and investment objectives are different. Essentially, the benefit of this 80/20 rule as suggested in this blog is that it helps you to maximize your income, while at the same time spreading your risks among diverse portfolios. It also help you stay long enough in the business to make enough profit, or a living.

IThe individual HYIP investor is again reminded that HYIP is a very risky business, as pitfalls dot every stretch of the path. NEVER EVER invest in HYIPS what you cannot afford to lose, remains the first principles of HYIP.

Do you find this blog useful? Do you have a comment? Kindly use the comment box.



Related Topics:

Learn winning strategies of HYIP
Learn how to invest in HYIPS
Learn how to spot a good HYIP
How do I cash out my HYIPs earning?
What is HYIP?

Enter HYIP Insurance

HYIP Insurance is an infant sector in the larger HYIP industry. They (claim to) offer the traditional insurance cover, albeit online.

Using www.sunpoll.com as case study, here is a review of how HYIP Insurance Works.

SunPoll HYIP Insurance agrees to, under certain conditions, insure a part or a whole of your HYIP Investments. The problem however lies in the stringent nature of the conditions! SunPoll HYIP Insurance offers to insure your HYIP investment if:

1. It is invested in HYIPs they nominate

2. You use them as referral

3. You invest as much as you are told, usually not more than 100 dollars

4. You pay a monthly fee of $10 to insure 10%, or $100 to insure 100% (of your $100 HYIP investment)

5. You accept that earning and compounding are not covered by the policy

6. You accept that without renewal (new payment) your insurance coverage expire after 30 days

Despite these unpalatable conditions, a worrying testament of a possible delay in payment is captured by this statement from their site in reference to a HYIP program that has gone bad:

This program has been closed. If you are one of our verified members and you have turned a loss in this plan, do not worry at all. Please keep in touch with us to give back your money.

In my opinion, SUNPOLL apparently is set up to further fleece HYIP investors of their well deserved rewards for their risks. Buyers beware!

Related Topics:

Learn winning strategies of HYIP
Fundamental behind the HYIPs
Learn how to invest in HYIPS
Learn how to spot a good HYIP
How do I cash out my HYIPs earning?

Fundamentals behind the HYIPs

According to WiseGeek.com,

HYIP stands for High Yield Investment Program and is a way for people to invest money into high yield, high risk markets who couldn't normally do so on their own, usually because they lack the initial investment funds. A HYIP pools money from investors together and uses the funds to invest in these markets; investors receive a portion of the return on their investments over a pre-designated amount of time. Most HYIPs pay interest daily, weekly, or monthly over the Internet.

Now the question most HYIPs skeptics often ask is – what do they do with the money so pooled? Some bluntly termed all HYIPs - ponzi schemes and scams. Veteran HYIPs investors adopt this skeptical if not critical world view of HYIPs. Perhaps, this had kept many of them going, especially when they take a hit from the scams.

Beyond the attendant ‘professional’ skepticism of HYIPs investors, what exactly do HYIPs administrators claim they invest the money they pooled from investors in?

For starters, most HYIPs I have come across maintain they invest their funds in Forex Trading. Some claim that the experience of their staff in Forex Trading spans over a decade.  Some HYIPs site claim they deal with precious metals, while some yet claim they deal in diverse areas of investments.

Some of the claims are factual, while a lot of them are fictitious.  In reality, except in rare cases  most HYIPs investors really do not perform these ‘Fundamental Analysis’ as time and resources may not be adequate in verifying them. HYIP investors especially those with some background in FX Trading, simply conduct a form of Technical Analysis of the program, and take decision on this basis.

The fact that most HYIPS are not regulated also makes it difficult for such in-depth analysis of their claims. The inability to ascertain with degree of certainty the claims of the HYIPs led to the often touted golden rule: Never invest in HYIPs what you cannot afford to lose.


Related Topics:
Learn winning strategies of HYIP
Learn how to invest in HYIPS
Learn how to spot a good HYIP
How do I cash out my HYIPs earning?
What is HYIP?

Compounding versus not compounding your HYIPs earnings

Most HYIPs offer the opportunity to automatically reinvest your earnings. This system is known as Compounding. Compounding factors for most HYIPS are often between 10% - 100%; while 0% is used to turn off compounding. Some HYIP investors chose different compounding factors to increase their earnings or principals. Some may also be tempted to invest more money in same HYIP while the current tenor is yet to elapse. This is an indirect way of compounding.&

Questions often arise whether to compound daily HYIP earnings or cash out. Usually the temptation to compound is huge since the HYIP investment is of money one could afford to lose. Hence, with the end in sight, some investors go for the big 'payday cheque' with 100% compounding starting from day one till the last day.

But while compounding may potentially increase one's HYIP earnings, the high risk nature of HYIPs demand that the risk be gradually reduced by daily taking ones earning until the initial investment is recouped. When this is done, it is still a wise move to choose a compounding factor that will guarantee you some profit. A 50/50 compounding factor will at least enable you take some of the income as profit, after you might have taken out your initial investment.

All HYIPS will eventually bust! Balancing the risks and rewards is very critical in determining how successful you are in your HYIP business. So rather than increasing the risks and uncertainty by compounding, aim toward recouping your initial investment by taking you daily earnings.

Related Topics:
Learn winning strategies of HYIP
Learn how to invest in HYIPS
Learn how to spot a good HYIP
How do I cash out my HYIPs earning?

How do I cash out my HYIP earnings?

Let’s say you have invested in a HYIP and your payment processor is swelling with your earnings. How do you convert the e-currency/digital currency to physical cash? That is the question those new to HYIPs often ask. In fact, I was not persuaded to invest in HYIPs until I was certain to a great degree that I can actually touch and spend my earnings. Dispelling such doubt was a great motivator for me. Such assurance went a long way into persuading me to open Liberty Reserve and Solid Trust Pay accounts which I subsequently used to launch my HYIPs business (or adventure if you would).

 Send and receive money online with Payza
To cut the chase, e-currencies are in huge demand and you can always get your cash through the ecurrency exchangers. Basically e-currency exchangers are businesses that exchange your e-currencies for cash or other e-currencies as you may wish. There are many of them available and some exchangers offer good rates for your digital currency.


The first place to look for a digital currency exchanger is within the Payment Processors' websites. The payment processors will informed you of the withdrawal options available to you should you wish to cash out. Liberty Reserve has a list of their recommended exchanger on their site. Meanwhile among the numerous exchange option offered by Solid Trust Pay is Bank Wire (Swift Transfer). There is also the option of withdrawing your earnings to Master or Visa Card. Alertpay (Payza) offers the option of Bankwire too.

Business like e-naira.com is recommended by Liberty Reserve to the Nigeria Market, while some offices in Ghana and other African countries offer you the opportunity to sell your e-currency to them for cash. You can also sell and buy e-currency from friends and colleagues who need such. The point is that e-currencies will not be stuck with you if you wish to convert them to cash.

Basically, there are many ways and options to get your cash in your hands. If you wish to know which Liberty Reserve exchanger is closest to your location, perhaps one of the most technologically advance way of finding out is by consulting Google.

Related Topic
Learn winning strategies of HYIP
Learn how to invest in HYIPS
Learn how to spot a good HYIP
What is HYIP

The Long and Short of HYIPs

Most High Yield Investment Programs (HYIPs) offer various rates and terms of investment. Generally speaking, and due to the life span of most HYIPs, Long Term HYIPs usually refer to HYIPs whose cycle lasts  60 days and beyond. Some HYIPs propose 'lifetime' as their cycle, certainly it doesn't get longer a term than that.

Long Term HYIPs generally payout earnings daily, weekly, or monthly. The tendency to have solid set-up is common with most long term HYIPs. Nevertherless, a long term HYIP may still look good, and pass all the necessary test, yet go bust sooner than early investors can recover their initial investments.


In contrast, Short Term HYIPs refer to HYIPs with a tenor of 1 day to 20 days. HYIPS with 30 to 45 days tenor are considered medium term. Some Short Term HYIP pays hourly, while many pay daily, or after a few days. Some of the Short Term HYIPs are poorly set-up, and are often prone to scamming sooner than later. It is generally advised to keep away from such HYIPs, especially if they offers very huge returns.


Basically, the Long Term HYIPs are more stable than the short term ones as they are not under pressure to payout investors capital sooner than the short term HYIPs. Long term HYIPs mostly offer daily rate of 1-3%, and some offer return of principal. The Short Term HYIPs often pay higher rates 4-8% which usually includes part of the principal.


A good HYIP investment strategy is to subject the HYIPs - both long and short term - to basic tests and diversify your portfolio with prejudice to the Long Term HYIPs.

Related Topics:
High Interest HYIPs: Risks and Returns
Learn winning strategies of HYIP
Learn how to invest in HYIPS
Learn how to spot a good HYIP

My choice HYIPs and Rationale

As you may have observed I am currently running ads and referral links of some High Yield Investment Programs (HYIPs). Those are the HYIPs I have significant interest in. Below are some of the referral links/banners:

Silver Structure

Aside meeting and passing most of the basic test, Silver Structure offers a rate of 2% Daily profit for 150 days with principal returned at the end of the cycle. 150 days is long term in a HYIP's life. However, without compounding, the Principal can be recovered within 50 days, while the remaining 100 days will be for profit taking. HYIP with daily  profit of less than 3% tends to last longer than those with higher daily profit. Daily profit taking will also help cut down your potential loss.

Please DO NOT INVEST in Silver Structure. They are currently down graded as PROBLEM!

Safe Risk

Safe Risk meets some of my basic requirement for a good HYIP without surpassing it. If offers a daily profit of 2.5% daily profit for 60 days with principal returned after the term. Save Risk does not support automatic compounding, hence the investor may need to make new deposit to increase their investments. At 2.5% Daily, the maturity period for the initial investment is 40 days. Which infers an extra 20 days of profit taking with principal returned. Well, provided it lasts that long.

Please DO NOT INVEST in SAFE RISK. They are currently downgraded as PROBLEM!

Invest Foria Limited.

Please DO NOT INVEST in InvestForia. They are currently down graded as SCAM!

Perhaps, of all the HYIPs I invested in, this looks more reputable. The online support system is good, and an indepedent source  confirmed the existence of the company. What more, InvestForia Limited offers a mouth watering rate of 2.8% Daily for 60 days, with principal returned. Should it last the long, the initial investment can be recovered in 36 day, while the rest of the period will for profit taking.

Just Been Paid (JSS Trippler)

Just Been Paid is now ProfitClicking.com

Just Been Paid has defied all odds to remain top of the HYIP pyramid, having ran for over two years, before the introduction of the JSS Trippler. The administrators of the program are so confident of it perpetuity that they threw a challenge of 1M dollar reward, to anyone who could find a flaw in their system. Perhaps, the system of restarting the program to prevent a demand overload crash, and a ceiling daily withdrawal has also helped in no small way to support this continuity of the program. Just Been Paid, pays 2% daily for 81 days (1.5 % on weekends) with no return of principal. Entry purchase in this program is $10. Just Been Paid is yet the most complex of the HYIP I have signed up for. Perhaps, Just Been Paid will last a little longer than the rest of them. Perhaps not. But this enigmatic HYIP still pose the million dollar challenge. Will you pick the gauntlet?



NetsBanking

NetsBanking is another interesting HYIP. An offer 1.18% looks low. However considering that principal and interest can be withdrawn after a mandaotory 10 day memoratum, and the fact that your principal does not have an end cycle, the potential of this unassuming HYIP is quite clear.


All the above are classified as long term HYIP.

In the category of short term HYIP, Permanent Fund is what I settled for. At 8% Daily for 22 days with no return of principal, it takes about 13 days to recover the initial investment. The remaining days are profit taking. However, initial principal is not returned, as it is paid with the profit.

Please DO NOT INVEST in Permanent Fund. They are currently down graded as SCAM!


I chose those HYIPs after subjecting them to basic analysis.  These HYIPs passed most of the criteria for a good HYIP. While past performance is not an assurance of future success, it is incumbent upon a HYIP investor to access his risk and take his chances. No HYIP will last forever, the day you sign up for a HYIP may be the day it scams, but what if it doesn't, and it goes on to pay for another 100 days or more. Basically, when deciding on a HYIP, ensure your choice HYIP meets certain basic criteria, before taking your decision. Diversifying and mixing your HYIP portfolio with long and short term HYIPs is the best way to go.

Meanwhile never forget to invest only what you can afford to lose. This cannot be over-emphasized. And always check the several HYIP monitors for the current status of any HYIP before you invest! See you on the next blog.

Related topics
High Interest HYIPs: Risks and Returns
Learn how to invest in HYIPS
Learn how to spot a good HYIP
Learn winning strategies of HYIP

Learn how to start investing in HYIPs

To create an account and starting invest in a High Yield Investment Program (HYIPs) is as easy as opening an email account, well, for the most part. However, before you start investing in HYIPS, you need to ensure you open an e-currency account with popular online payments processors.

TherOther payment processors like Perfect Money, Alertpay (Payza) are equally popular choice among most HYIPs investors. E-currency accounts are usually the payment facilitator of choice between the HYIPs and the investors. Some HYIP will accept Bank Wires, Paypal, and host of other payment processor. Remembers to keep all your passwords and other account detail very secure.

After setting up your online payment processor, it is necessary to fund the account before you can start using it for payment. To fund your Liberty Reserve account, you may need to consult your locality. For instance in Nigeria, e-naira.com renders such service, and are recommended by Liberty Reserve. Liberty Reserve also have a presence in many countries of the world. Most HYIP will allow you to start investing with as low as $10 (Ten dollars). Again the golden rule: NEVER INVEST ANY FUND YOU CANNOT AFFORD TO LOSE. All HYIPS will certainly fail, it's only a matter of time.


To use the e-currency account to fund your HYIP investment, you will need to first choose the HYIP, and register. Most serious HYIPS have members area where investors can Deposit or Withdraw from their portfolio. Deposit attempts will call up your e-currency authentication window for authorisation.

The interfaces of the various HYIPs are similar, and most have options for users support. Read the FAQ page of any HYIP carefully and understand the conditions before signing up with them. HYIPs are not for the faint of heart, and demands a lot caution, and planning.

Do you have anty question of comment? Please drop me a note.

The electronic money trail continues...

Related Topics

Learn how to spot a good HYIP
HYIPs, Pareto's 80/20 Rule, and Portfolio Diversivication
HYIPs and Greed
The Best HYIP

Lessons and Strategies in HYIPs: The Royalty7 HYIP misadventure

Turning a HYIP from gamble to investment is the trick of the game. It's a matter of getting your HYIP tactics right. Don’t get me wrong, every HYIP no matter how long it runs, will surely turn a scam. It just a matter of time. The trick then is determining when to join, how much to part with, and when to exit.

My first HYIP was a disaster. I joined a popular HYIP - Royalty7, which had consistently paid for over 200 days. Unfortunately, Royalty7 scammed a week after I joined, I received a single payment that was just 7% of my initial investment, the rest is still trapped in the program, with mounting pending withdrawals. I have written them off and moved on. But I learned a few lessons from the experience. The lessons gained from this ‘loss’ helped shaped some of the tactics I subsequently adopted.


What did I learn from Royalty7 and what tactics have I adopted?

1. NEVER invest in HYIPs what you cannot afford to lose.
I invested what I felt I could easily write off when I joined Royalty7. Now looking back, I feel vindicated by my decision. While some made huge profit from Royalty7, I lost what I could afford to lose.
My tactics: I NEVER EVER invest what I cannot afford to lose. This remains the golden rule of HYIP


2.All HYIP will crash/scam no matter how long and reliable they pay
It took ‘investors’ of Royal7 about 15 days or thereabout to recover their initial investment, in the 7% Daily for 30% plan. Older investors made a lot of ‘profit’ from Royalty7 while it lasted.
My tactics: Join Early


3.Some HYIPs are profitable
As stated earlier, some investors made a lot of profit from Royalty7 before while it lasted (as at the time of writing this blog, some are still hoping they will be paid). For instance, an investor who invested $25 in ROYAL7 and renews it each time it expires for 150 days, would have made 10 times his initial investment, even without compounding.  Some of these investors may also lose if they stayed too long in one HYIP.
My tactics : Exit early, long term I take daily profit


4.      NEVER put all your money in one HYIP
Royalty7 was my first HYIP, even though I invested what I could afford to lose, it was all in ROYAL7. With the benefit of hindsight, I have realized the naivety of such.
My tactics:I spread the Risk and have diversify my HYIP Portfolio


5. TAKE your profit
Many people tend to focus on the ‘big payday’ check, and forget the basic – capital. When investing in HYIP, be very skeptical. Each day a HYIP lasts is a bonus! Hence, it is wise to always take your income/profit no matter how small. Compounding, as offered by most HYIP might earn you more money, but securing your initial investment (or part of it) is essential if you must succeed in HYIPs
My tactics: I take my profit daily

6. Look before you leap
There are several HYIP monitors out there which shows the status of HYIP; if the HYIP is paying, waiting, having problem, or not paying. Checking out the status monitor should be one of the first step to take when considering the decision invest in HYIP.
My tactics: Look, listen, before you invest.


Those are my current strategy for turning HYIPs from gambling to investment. Do you invest in HYIP? Do you have an experience to share? Please do drop a comment. Those who may want to invest in HYIPs but dont't know where to start may also drop a comment. I will in the next blog show you how and where to begin.

Related Topics:
InvestForia LTD Scam: A post Mortem
Why do HYIPs Scam?
HYIP Monitors Review?
Can you recover lost HYIP fund?
Can HYIP investment be insured?

HYIP - An Investment or a Gamble?

"HYIPs are scams, and Ponzi schemes" is usually the first reaction of most neutrals and skeptics when posed this question. In over 90% of the times they are right. Most long lasting and seemingly stable HYIPs eventually go bust. The cyberspace is indeed replete with many 'good' HYIPs that have eventually turned sour. However, some of these HYIPs ran long enough for some of the investors to recoup their initial investment. Unfortunately many will also lose the money they invested in HYIP when the inevitable happen.

Now the answer to the question: "Is HYIP is an investment or a gamble?" depends largely on the psychology, motive, and strategy of the individual HYIP investors. Bearing in mind that all HYIP will eventually scam (or so I believe), the onus lies on the HYIP investors to align his/her entry and exit strategy with this inevitability. So in essence, while most HYIPs will eventually go bad, your approach, manner and investments strategy will determine if you will profit or lose, and by how much.

Armed with this and other information, and of course some funds I can afford to lose, I have formulated a plan to make my HYIP adventure a profitable one. In the next blog, I will be sharing some of these strategies with you.

Related Topic
Learn winning strategies of HYIP
Learn how to invest in HYIPS
Learn how to spot a good HYIP
How to secure your HYIP earnings
Why do HYIPs Scam?
HYIP Monitors Review?

Which HYIP is the best or good for you?

This, perhaps, is a million dollar question. I doubt if anyone who can answer this question confidently, as there are many shapes, shades and sizes of HYIPs out there. Many more springing up every day. However, there are key indicators to look out for when selecting a High Yield Investment Program (HYIP) to invest in. Some of these key indicators include:

Registered Company
Most HYIPs are run by group of private individuals who are not subject to any form of regulation. However, there are HYIPs sites which are hosted by registered companies. A quick search in online company search sites like  Dun & Bradstreet can give you an idea or two about the validity of claims of company registration.  Look out for phone numbers, and existence of country or regional representatives.

Program Website Design
Does the website hosting the HYIP look professional enough? Or is it hurriedly put in place? The odds are, if the site is not professional, ditto for the administrators, and indeed the service. Sites hurriedly put in place, with less than professional feel, most often than not scams quicker than professional looking ones. Read through the company profile, mission, and FAQ page for professionalism, paying attention also language and construct.

Look out for  identity assurance 'stamp' from reputable companies, the Secure Socket Layer (SSL) for date security and encryption, DDOS (Distributed Denial of Service) protection, etc.The more expensive the set-up the less likely of it scamming too soon.

User support and Interface
What  kind of user support is available on the site? Does the HYIP have an online 24/7 chat/enquiry support? Is a personnel assigned the responsibility of responding to enquiry on the system? In case of offline support system, are email messages responded to in timely manner? How helpful and professional do you rate the responses you received?

How much is spent advertising the HYIP?
A HYIP that engages in expensive and extensive advertisements most often tend to be relatively stable. Perhaps, because it will take a longer time to recoup the money spent in advertising, or maybe because the owners are serious about their business.

There are many things to look out for in a HYIP, the above been just a few of them. However, a HYIP may have all the above features, yet scams sooner than you could recoup your initial investment, hence while investing in HYIP can be very rewarding, NEVER invest any money you cannot afford to lose - that is the GOLDEN RULE in HYIPs. In the next blog, I will take you through some of the plans and strategies I have mapped out to help me reap rewards from HYIPs. See you there...

Related Topics:
The Best HYIP
InvestForia LTD Scam: A sad end to a promising HYIP
Learn winning strategies of HYIP
Learn how to invest in HYIPS
How do I cash out my HYIPs earning?
What is HYIP?

What is HYIP?

Defining or explaining what HYIP is, depends on where you stand on the global HYIP debate. Let's look at these two attempts at defining of HYIP:

Wikipedia defines HYIP as:

A high-yield investment program (or programme), HYIP, is a type of Ponzi scheme, which is an investment scam that promises unsustainably high return on investment by paying previous investors with the money invested by new investors.
According to WiseGeek.com,

HYIP stands for High Yield Investment Program and is a way for people to invest money into high yield, high risk markets who couldn't normally do so on their own, usually because they lack the initial investment funds. A HYIP pools money from investors together and uses the funds to invest in these markets; investors receive a portion of the return on their investments over a pre-designated amount of time. Most HYIPs pay interest daily, weekly, or monthly over the Internet. While some HYIPs are valid investment tools, a majority are actually one form of a ponzi scheme.

These definations are enough to discourage the faint of heart from parting with their hard earned money. But HYIPs have come to stay, and might stay for a long time. And, perhaps, drawing encouragement from the last sentence of WiseGeek definition - while some HYIPs are valid investment tools, a majority are actually one form of a ponzi scheme, the not-so-faint-of-heart might want to take another look at HYIPs with the view of taking informed position. That is my intention - to attempt to separate the wheat from the chaff, and enjoin the wheat before it get bad.

Investing in HYIPS is not for the faint of heart, and should NEVER be attempted with money you cannot afford to lose. So how do you separate the wheat from the chaff? How do you determine a good HYIP? My next blog will attempt to answer these questions.


Related Topics
Learn how to spot a good HYIP
Learn winning strategies of HYIP
Learn how to invest in HYIPS
Why do HYIPs Scam?
HYIP Monitors Review?
Can you recover lost HYIP fund?
Can HYIP investment be insured?

On e-Money Trail is back, and better… | ON e-MONEY TRAIL

On e-Money Trail is back, and better… | ON e-MONEY TRAIL

On e-Money Trail is back, and better…

It is refreshing to be back online to continue sharing my experience of my adventure in the elusive or exclusive world of online money making. Those I have disappointed with my unceremonious break, I tender my unreserved apologies. Indeed maintaining a blog is a no mean task I must confess.

Nevertheless, while I was away, I did not relent one bit in my quest for online money. During that time I lost a few money online myself in my (un)holy grail quest, when I ventured into the flip-flop world of FX Trading. The tales of that escapade is a story for another day.

However Aluta Continua… Victoria Ascerta, as they say. This saga continues…

My quest for online money has now led me to a minefield, yes you heard it right - minefield, not a goldmine. Anyway, I believe if I can navigate this minefield successfully, I might just hit a goldmine. The operative word here is ‘might’, as I could very well get blown into bits and pieces – not literarily though.

My quest has taken me to the dangerous ground of HYIPs – High Yield Investment Programs. Before you warn me off “SCAM”, and “PONZI schemes”,  be very much aware that I know the risk, the challenges and potential, and I am already knee dip into it.  I have already signed up in a couple of  HYIP viz:  InvestForia, Silver Structure, and Safe Risk. Wish me luck as I try to gulp from the flowing water of HYIPs – High Yield Investment Program.

As this blog is a social experiment, and personal experience blog, I shall continue to throw myself in the line (of fire) to unravel the secrets of online money making.

Fasten your seat belt, and enjoy the ride, as the next few blogs will dwell on my adventure into the elusive world of electronic and online money. Let's go there...

Related Topic
Learn winning strategies of HYIP
Learn how to invest in HYIPS
Learn how to spot a good HYIP
What is HYIP